Episodios

  • The Next Chapter - A Christmas Guide to Retirement

    The Next Chapter - A Christmas Guide to Retirement
    Dec 20 2025
    This week’s "On the Money" show hosted by Jerry and Nick Royer offered listeners a Christmas-themed guide to navigating retirement, emphasizing that retirement isn’t the finish line—it's the start of a new chapter that could last decades. The discussion highlighted the importance of having a well-organized financial plan, touching on critical topics such as making your money last, creating stable and reliable income streams, and minimizing risks and taxes. Jerry and Nick stressed that simply saving a certain dollar amount isn’t enough; retirees need a clear strategy for generating income, managing health care costs, and ensuring tax efficiency. They used holiday analogies, like Santa’s list, to encourage listeners to review their own retirement plans systematically and avoid damaging financial leaks.

    The Royers also tackled listener questions and concerns, covering issues from tax strategies (such as Qualified Charitable Distributions) to selecting the right retirement specialist. They cautioned against common mistakes, like underestimating expenses or withdrawing funds in a tax-inefficient manner, and explained the value of balancing growth, income, and safety across accounts—the "three buckets" method. Echoing the holiday spirit, Jerry and Nick wished everyone a Merry Christmas, encouraging listeners to take proactive steps now so the next chapter of their lives—their retirement—can be both joyful and secure.


    For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
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    58 m
  • The Great Financial Cleanup & 7 Forgotten Financial Checkpoints

    The Great Financial Cleanup & 7 Forgotten Financial Checkpoints
    Dec 13 2025
    This week’s episode of “On the Money” with Jerry and Nick Royer focused on the importance of a comprehensive financial cleanup to ensure a stable retirement. Jerry and Nick, America’s renowned father-and-son financial coaches, discussed how many individuals collect financial documents over the years—often stashed away like clutter in a garage—and ignore critical details that directly affect their retirement lifestyle. They highlighted seven often-overlooked financial checkpoints, such as outdated beneficiary forms, dormant accounts, misaligned risk levels, scattered investment strategies, and the impact of taxes on retirement savings. They emphasized that procrastination in addressing these areas can lead to missed opportunities and costly mistakes, so taking that first step to review and update your financial “junk drawer” is crucial.

    Beyond investment and tax considerations, Jerry and Nick stressed the importance of healthcare planning, income durability, and legacy documentation. With people living longer and expenses potentially increasing later in life, they urged listeners to ensure their income plan lasts as long as they do and that their estate plans clearly outline their wishes. The show wrapped up with practical advice on how to avoid scams targeting retirees.


    For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
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    58 m
  • The Red Zone Mindset & The Illusion of Lower Taxes

    The Red Zone Mindset & The Illusion of Lower Taxes
    Nov 22 2025
    This week, Jerry and Nick Royer tackled the critical topic of retirement tax planning, focusing on what they call the “Retirement Red Zone”—the five years before and after retirement where every financial decision matters most. They discussed recent changes in tax laws, emphasizing that today’s lower tax rates and deductions, including the new senior deduction, are potentially temporary. With rising government spending and debt, the Royers cautioned listeners that tax rates could potentially increase in the future, urging retirees and near-retirees not to be lulled into a false sense of security by the current “calm before the storm.”

    The show also addressed common misconceptions about Social Security taxation, illustrating how “tax bracket creep” has led to more retirees owing taxes on their benefits due to frozen income thresholds set decades ago. Throughout the episode, Jerry and Nick stressed the importance of proactive annual reviews, balancing tax buckets, and creating flexible plans that adapt to changing rules, market volatility, and surprise healthcare expenses.


    For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
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    58 m
  • The Seven Mistakes Millionaires Make With Their Money

    The Seven Mistakes Millionaires Make With Their Money
    Nov 15 2025
    This week, Jerry and Nick Royer explored the seven most common mistakes retirees and pre-retirees make with their money, including misconceptions about diversification, ignoring tax implications, and lacking a clear, tested income plan for retirement. The show highlighted the importance of true diversification across asset types and proactive tax planning, noting that IRAs and 401(k)s are often misunderstood in terms of when taxes are actually owed. The Royers stressed that thoughtful income strategies are essential, as “guessing” how long money will last is not a viable retirement plan. Additional pitfalls discussed included assuming an advisor is covering all financial bases, developing overconfidence during bull markets, making decisions based on emotions, and thinking retirement is only about money rather than lifestyle fulfillment.

    The Royers introduced their “bucket strategy," encouraging listeners to assign specific purposes to their assets—for emergency needs, near-term income, and long-term growth—to provide structure and safeguard against risks like inflation, market volatility, and rising healthcare costs. They advised that a solid plan should be adaptive, tax-efficient, and geared toward creating predictable income and long-term security.


    For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
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    58 m
  • Autopilot Systems – Building Income You Can Count On Through Turbulence

    Autopilot Systems – Building Income You Can Count On Through Turbulence
    Nov 8 2025
    This week’s episode centers on how retirees can stay financially secure amid a turbulent economy, emphasizing the pitfalls of one-size-fits-all financial plans and the dangers of panicking during market volatility. Jerry and Nick Royer—America’s father-and-son retirement coaches—stress that true financial confidence requires more than simply accumulating assets; it’s about having a customized plan tailored to individual goals, tax situations, and lifestyle needs. They highlight warning signs such as imbalanced cash flow, rising taxes, and outdated plans, and draw analogies to aviation: just as every flight needs a pre-check and a personalized route, so too does a retirement plan need ongoing review and adjustment to avoid “stalling out” financially.

    Throughout the show, the Royers advocate for strategic income planning, tax efficiency, and regular check-ups to guard against common retirement mistakes. They caution against relying on generic “autopilot portfolios,” advising listeners instead to schedule a retirement strategy session and utilize their 35-point Retirement Checklist. Practical listener questions addressed topics like annuities, inflation, and quarterly reviews, all underscoring the importance of having a dynamic, customized plan.


    For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
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    58 m
  • Why You Shouldn’t Ask AI Your Money Questions & The Money Myth Showdown

    Why You Shouldn’t Ask AI Your Money Questions & The Money Myth Showdown
    Nov 1 2025
    This week, Jerry and Nick Royer explored the growing trend of using artificial intelligence for financial advice, warning that while AI tools like ChatGPT can be helpful for gathering general information or overcoming writer's block, they often miss the crucial personal context needed for sound financial planning. The duo cited a study showing that AI responded incorrectly to 35% of finance questions, underscoring the risks of relying on algorithms that lack regulation, experience, and accountability. They emphasized that financial decisions—including retirement planning, tax strategies, and Social Security timing—require individualized guidance that AI cannot always provide, equating it to trusting an intern with life-altering choices.

    In addition to the limitations of AI, Jerry and Nick tackled common concerns facing retirees, such as longevity, rising healthcare costs, inflation, and the impact of hidden investment fees. They highlighted underutilized tools like Roth IRAs and life insurance for building tax-efficient, lasting wealth, while cautioning against overreliance on high-fee products like variable annuities. The overarching message was clear: experienced human advisors remain vital for crafting successful, customized retirement strategies.


    For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
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    58 m
  • The Social Security Landmine

    The Social Security Landmine
    Oct 19 2025
    This week, Jerry and Nick Royer tackled the critical question of when to claim Social Security, emphasizing the pitfalls of "panic claiming". The father-son financial coaches debunked common fears—like Social Security running out—and urged listeners to base their decisions on careful math, considering factors like continued employment, longevity, and spousal needs. They stressed the importance of having a personalized plan rather than relying on rumors or following the crowd, offering actionable steps and resources such as their retirement checklist.

    The show also addressed broader retirement strategies, highlighting the dangers of relying solely on a 401(k) without a comprehensive plan. Jerry and Nick discussed the risks of market concentration, inflation, and rising taxes, and recommended diversification and proactive moves like putting idle cash to work, utilizing tax-loss harvesting, and considering Roth conversions during market downturns. They reminded listeners that retirement success depends on having three "engines": dependable income, growth, and tax-free strategies, not just a single investment vehicle.


    For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
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    58 m
  • Crash Test Your 401K & The Retirement Redzone

    Crash Test Your 401K & The Retirement Redzone
    Oct 11 2025
    This week on "On the Money," financial coaches Jerry and Nick Royer tackled the challenges of making your money last through retirement, managing market risk, and minimizing taxes. The show kicked off with troubling stats about recent market drops and emphasized the importance of "crash testing" your retirement plan — simulating stressors like market downturns, tax hikes, and inflation spikes to ensure your financial future is protected. Using analogies like cars needing safety features and scan tools, the Royers highlighted the necessity of income streams that won't dry up in turbulent times and the risks of overconfidence, timing, and emotional decision-making. They reminded listeners that simply believing their plan is "fine" isn't enough.

    The Royers also focused on the "retirement red zone" — the crucial five years before and after retiring — where even small missteps can lead to significant losses. They stressed the importance of having diversified investment buckets, knowing withdrawal rates, and coordinating accounts, rather than relying on luck or outdated advice. The episode concluded with myth-busting around common retirement misconceptions, reinforcing that everyone—regardless of wealth or age—can benefit from professional financial guidance to build a secure, dependable, and flexible retirement plan.


    For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
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    58 m
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