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Big news from Washington as the One Big Beautiful Bill (OBBB) was signed into law on July 4, and it's already reshaping the retirement landscape. In this video, Ryan and Nick break down the biggest tax, retirement, and planning updates from the new law, and explain what it could mean for your financial strategy.

With more than 800 pages in the bill, there’s so much to sort through and many items that won’t impact you. Today we’ll break down the biggest changes and highlight some planning opportunities you may want to consider now, like using Clean Energy Credits before they expire or reviewing how charitable deductions might apply to your situation.

Don't panic, many of these changes won’t require immediate action. But understanding what’s changed is the first step in making confident decisions.

Here’s what we cover in this episode:

📉 Tax brackets and standard deduction amounts have been made permanent and are getting an inflation bump.

🧾 SALT deduction cap temporarily increased, which is great news for high-tax states.

🚗 New auto loan interest deduction applies but not everything qualifies.

👶 A new “Trump Account” lets parents invest for kids’ retirement before they even have earned income.

💡 Clean Energy Credits are expiring soon

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H

Ready to get your free Retire Wyze assessment? Start here: https://wyzewealthadvisors.com/free-retirement-assessment/

A financial plan is only as good as the assumptions it’s built on. In this episode, Ryan, Ron, and Nick explore how unrealistic assumptions can give you a false sense of security and take you inside our data-driven retirement process that you can count on.

They cover everything from return expectations and inflation modeling to overlooked expenses and long-term care planning. You’ll learn about the “retirement smile” (go-go, slow-go, and no-go years), why healthcare inflation deserves its own category, and how minor blind spots—like travel, home maintenance, and car purchases—can throw a wrench into your future.

Learn more about how we use stress testing tools to make sure your plan holds up even in bad market conditions, and why regular reviews are critical to staying on course.

Here’s what we cover in this episode:

🧾 Healthcare and Social Security inflation are often miscalculated
🏠 Expenses like home maintenance and cars are easily overlooked
📊 Stress tests help ensure you won’t run out of money—even in a downturn
🔁 Regular updates and realistic inputs = better long-term outcomes

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H

Ready to get your free Retire Wyze assessment? Start here: https://wyzewealthadvisors.com/free-retirement-assessment/

Dividend investing sounds safe, but is it really the smartest way to generate income in retirement? In this episode, Ryan, Ron, and Nick unpack both the appeal and the pitfalls of building your retirement strategy around dividend-paying stocks. While the steady income may feel comforting, it can mask bigger risks like overconcentration, tax inefficiency, and the danger of chasing high yields.

Nick breaks down why dividend income feels psychologically secure, even if it’s not always the most effective path. Ron shares real-life cautionary tales of clients who relied too heavily on dividends and paid the price. The team then outlines their own more holistic approach, blending dividend stocks with high-quality bonds and a disciplined rebalancing process. Relying on dividends alone might feel safe, but it can leave you overexposed, under-diversified, and vulnerable to market shifts.

Here’s what we cover in this episode:

📈 Dividend stocks vs. bonds: what really protects against inflation?

⚠️ The danger of chasing yield (and what Westinghouse taught us)

🏦 How dividends impact taxes in taxable vs. retirement accounts

🧰 Our holistic approach to income planning

🔄 Rebalancing 101: how selling high and buying low protects your future

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H

Ready to get your free Retire Wyze assessment? Start here: https://wyzewealthadvisors.com/free-retirement-assessment/

Is all debt bad? Should you be completely debt-free before retirement? In this episode of Retire Right, Ryan, Ron and Nick discuss the critical topic of debt management and how it fits into a retirement plan. They dig into real-life examples—credit cards, mortgages, second homes, even RVs, and explain why some debt can actually work for you while other types can quietly wreck your financial future.

Here’s what we cover in this episode:

💳 The difference between “good debt” and “bad debt”
📊 When expected returns make keeping debt the smarter move
🏠 Why most retirees should aim to be debt-free—but not always
🧾 How paying off debt can trigger major tax consequences
📉 The risks of reverse compounding in down markets

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H

If you're confused about Social Security—when to claim it, how much you'll get, or whether it’ll even be around—this episode is your roadmap. In this episode, Ryan, Ron, and Nick break down the basics on real-life claiming strategies for individuals, couples, and those navigating spousal benefits. Factors like health, longevity and even stock market valuations need to be considered when making the decision about when to take benefits.

Here’s what we cover in this episode:

👉 What “full retirement age” really means for your benefit

💑 Why spousal benefits could significantly boost household income

⏳ When delaying makes the most sense, and when it doesn’t

📈 How market conditions affect your Social Security strategy

🔒 Will Social Security still exist in 2035?

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H

Most investors dread market downturns, but what if you could turn losses into long-term gains? There’s a smart, often underutilized strategy that allows you to do just that. It’s called tax-loss harvesting, and when used correctly, it can be a powerful way to reduce taxes and stay invested, even in bear markets. In this episode, Ryan, Ron and Nick break down how tax-loss harvesting works, when to use it, what pitfalls to avoid, and why this strategy is especially crucial in non-retirement accounts.

Here’s what we cover in this episode:

🧾 Turn downturns into tax breaks

🛑 Avoid the “wash sale” trap

🧠 Stay invested, skip the panic

🏗 Build your tax-loss piggy bank

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H

When markets shake and headlines scream uncertainty, many investors begin eyeing “safe haven” assets, and gold is often top of the list. But is it actually a smart place to put your money, or is it just a shiny distraction? In this episode, Ryan, Ron and Nick unpack the real story behind gold’s rising popularity and long-standing myths. Before jumping on the bandwagon, this episode helps you ask the right questions: What does gold really do for your portfolio, and is now the right time?

Here’s what we cover in this episode:

💰 Why gold is surging and what’s behind the hype

🌍 How global politics (and China) are reshaping gold demand

🤯 Why gold may feel safe but isn’t always smart

📉 What behavioral traps investors fall into with gold

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H

Indexed annuities are often sold as a win-win: stock market gains without the downside. But is that really true? In this episode, Ryan, Ron, and Nick will dig into this retirement income tool to explain how indexed annuities actually work, how they’re marketed, and why the numbers tell a very different story.

You’ll learn about caps, buffers, fees, and the hidden costs that limit growth -- and why many indexed annuities end up performing more like bonds, without the same liquidity.

Here’s some of what we discuss in this episode:

📊 Index annuities vs. stocks and bonds — the real return numbers

🧩 Why “no downside risk” doesn’t mean no risk

⚠️ Hidden costs that eat into your annuity growth

📉 How caps and buffers limit your potential upside

💡 When annuities can make sense — and when they likely don’t

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H