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

When most people think of investing, they picture the stock market. But the reality is that fewer companies are going public, and many of the best opportunities are staying private. In this episode, Ryan, Ron and Nick explore private investments: what they are, why they matter, and how they may fit into your portfolio.

Here’s what we cover in this episode:

⚖️ Key differences: Private vs. Public investments

⚠️ Illiquidity and higher fees are key risks

💰 Return potential: Why consider private investments

🧭Access and barriers to private investments

🏢 How our firm uses them & why we’re different

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/

In this episode, Ryan, Ron and Nick take a deep dive into the key investment principle of buying low and selling high.

They explore the psychological traps that often lead investors to buy when stocks are overpriced and sell in panic during market downturns. Tune in to discover how a disciplined, strategic approach can help you overcome these emotional pitfalls and set you on the path to smarter, more profitable investing.

Here’s what we cover in this episode:

📉 Don’t panic during downturns, use it to your advantage instead

💰 Strategies to follow when prices are high

🧠 How emotions can derail investment decisions

💸 Dollar-cost averaging: Set it and forget it to reduce emotional risk

🔍 Stay focused on long-term goals, not short-term market noise

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/

Medicare can be one of the most complex aspects of retirement planning. With multiple parts, coverage gaps, enrollment windows, and potential penalties, it’s no wonder many retirees feel overwhelmed when navigating the system. On today’s show, Ryan is joined by Medicare specialists Rob Martier and Albert Intrieri, from Neishloss & Fleming, to bring clarity to the process and help you prepare with confidence.

Here’s what we cover in this episode:

🏥 Medicare Parts A–D explained clearly

🧾 Avoiding penalties for late sign-up

⏳ Enrollment timing & avoiding lifelong penalties

🧑‍⚕️ Medicare Advantage and Medigap basics

🛡️ Why expert guidance can prevent costly mistakes

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/

When markets get shaky, most investments stumble. But one asset doesn’t just survive the chaos, it feeds on it. That’s cryptocurrency. In this episode, Ryan and Nick dive into why crypto has become the runaway winner in the volatility contest and what that really means for your money and retirement. Is it the future of finance, or just a high-stakes gamble? For pre-retirees and retirees, this conversation offers a clear-eyed look at one of the most hyped, and misunderstood, investments in the world today.

Here’s what we cover in this episode:

💥 Wild volatility: why crypto makes markets look calm

🪙 Digital coins vs. traditional investments

🎢 The psychology behind dramatic swings

📉 Lessons from past speculative bubbles

🛡️ Where (if anywhere) crypto fits in retirement planning

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/

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