📞 Get your customized planning started by booking a 15-minute consultation: https://calendly.com/erg-slc/15minutediscoverycall

📘 Grab Your FREE Copy of "Rounding Third"

http://rounding-third.elevatemyretirement.com/

What’s changing in 2026 that retirees and pre-retirees should actually care about? This episode walks through the key updates quietly reshaping retirement planning- from Social Security’s cost-of-living adjustment and rising Medicare premiums to new senior tax deductions and expanded catch-up contribution rules. You’ll hear how these changes affect monthly cash flow, tax planning decisions, and saving opportunities in the final working years.

Here’s what we discuss in this episode:

📈 Social Security COLA – What a 2.8% increase really means after Medicare

🏥 Medicare Premiums – Why higher costs reduce net raises

🧾 Senior Tax Deduction – New deductions and income phase-outs

📊 Catch-Up Contributions – Higher limits and the “super catch-up” window

🔁Roth Rules – New requirements for high earners

🗓️ Planning Timing – Why early-year decisions matter more than ever

Contact us:

(801) 639-0095

slee@erg-slc.com

📞 Get your customized planning started by booking a 15-minute consultation: https://calendly.com/erg-slc/15minutediscoverycall

📘 Grab Your FREE Copy of "Rounding Third"

http://rounding-third.elevatemyretirement.com/

Finance is full of shiny objects, and not all of them are helpful. In this episode, Sean reveals the five most misleading tactics people encounter, from slick sales brochures to “guaranteed” returns that sound too good to be true. He explains why these ideas can create false confidence or unnecessary pressure, especially when decisions aren’t grounded in real planning. The takeaway is simple: clarity beats hype every time.

Here’s what we discuss in this episode:

📊 Hypotheticals: projections that rarely reflect reality

🏆 Industry Awards: recognition is often tied to sales volume

⏰ Limited Offers: pressure tactics driven by fear

🎯 Risk Balance: reward only makes sense with context

📝 Written Plans: strategy beats marketing every time

Contact us:

(801) 639-0095

slee@erg-slc.com

📞 Get your customized planning started by booking a 15-minute consultation:

https://calendly.com/erg-slc/15minutediscoverycall

📘 Grab Your FREE Copy of "Rounding Third"

http://rounding-third.elevatemyretirement.com/

Most people never realize their 401(k) might include a powerful option called a Self-Directed Brokerage Account (SDBA), and even fewer understand how it works. Sean breaks down what an SDBA actually is, who qualifies, and why it can open the door to more personalized investment choices inside a traditional retirement plan. If you’ve ever felt boxed in by limited 401(k) options, this episode shows you what’s possible and what to watch out for.

Here’s what we discuss in this episode:

📘 SDBA Basics: what a self-directed brokerage account actually does

💼 More Investment Freedom: how SDBAs expand your 401(k) choices

🧠 Emotional Control: why discipline matters more when you have more options

📈 Market Reality Check: understanding history, volatility, and risk tolerance

✔️ Who Can Use It: how to know whether your employer plan allows SDBAs

0:00 – Understanding Self-Directed Brokerage Accounts (SDBA)

3:58 – The BuyLine Strategy & Emotional Investing

6:36 – What Does the BuyLine Matter?

7:19 – Timing, Tariffs, and Historical Market Performance

9:23 – Risk Tolerance & Diversification

10:20 – Qualifications and Availability of SDBA

Contact us:

(801) 639-0095

slee@erg-slc.com