Financial bad habits don’t usually announce themselves – but they can quietly derail your retirement. In this episode of The Retirement Bullpen, Richard Warner breaks down the most common money mistakes that chip away at long‑term security, from spending without a clear picture of monthly costs to skipping portfolio rebalancing and misunderstanding sequence‑of‑returns risk. The conversation explores how lifestyle creep, waiting too long to save, relying on a single income stream, and overlooking tools like HSAs can impact retirement income over time. Richard also explains why diversification and proactive planning matter long before retirement begins. An educational, candid discussion designed to help listeners recognize habits that may be holding them back – and rethink how today’s choices affect tomorrow.

Book your complimentary appointment with Richard and the team on warnerfinancialsolutions.com or call 402-274-9185. And be sure to subscribe to the newsletter, too!

Follow Warner Financial on Facebook

See omnystudio.com/listener for privacy information.

That “safe” cash sitting in your account might be quietly costing you more than you realize. In this episode of The Retirement Bullpen, Richard Warner breaks down the concept of dead money—funds parked in low‑yield accounts that fail to keep up with inflation. The conversation explores why idle cash can erode purchasing power over time, how retirees can balance liquidity with growth, and where tools like tiered reserves, annuities, and tax‑efficient strategies may fit. Richard also addresses common misconceptions around risk, taxes, and access to funds, emphasizing the importance of aligning money with purpose. An insightful discussion for anyone ahead of or in retirement rethinking where their money is—or isn’t—working.

Book your complimentary appointment with Richard and the team on warnerfinancialsolutions.com or call 402-274-9185. And be sure to subscribe to the newsletter, too!

Follow Warner Financial on Facebook

See omnystudio.com/listener for privacy information.

Most financial resolutions fade by February, but a new year brings a fresh chance to get your retirement plan on track. In this episode, Richard Warner shares his essential New Year’s portfolio checklist—covering tax strategies, the impact of new standard deductions, Roth conversion opportunities, and how to rebalance for market uncertainty and inflation. Discover why sequence of return risk matters for retirees and how a bucket strategy can help your money last. Whether you’re just starting out or fine-tuning your plan, this conversation offers practical steps for a more confident 2026. Learn more or schedule a consultation at warnerfinancialsolutions.com.

Book your complimentary appointment with Richard and the team on warnerfinancialsolutions.com or call 402-274-9185. And be sure to subscribe to the newsletter, too!

Follow Warner Financial on Facebook

See omnystudio.com/listener for privacy information.

Ready for a financial wake-up call? Americans spend over $950 billion during the holidays, but December is also the perfect time to give your retirement plan a year-end checkup. In this episode, investment advisor Richard Warner shares a practical checklist to help you maximize contributions, make smart tax moves, and avoid costly mistakes before 2026 arrives. Learn why reviewing your 401(k), considering Roth conversions, and handling RMDs the right way can make a big difference. Plus, discover a powerful charitable giving strategy that could save you on taxes. Start your new year with confidence—tune in for actionable tips and expert insights!

Book your complimentary appointment with Richard and the team on warnerfinancialsolutions.com or call 402-274-9185. And be sure to subscribe to the newsletter, too!

Follow Warner Financial on Facebook

See omnystudio.com/listener for privacy information.

Are the classic retirement rules still relevant, or is it time to toss them out like an old kitchen sponge? In this episode, Richard Warner breaks down five of the most common retirement strategies—from the 4% rule to the “magic number” myth—and reveals why one-size-fits-all advice often falls short. They explore how personal circumstances, risk tolerance, and evolving financial realities shape retirement planning today. Tune in for a candid look at outdated wisdom and discover why your retirement plan should be as unique as you are.

Book your complimentary appointment with Richard and the team on warnerfinancialsolutions.com or call 402-274-9185. And be sure to subscribe to the newsletter, too!

Follow Warner Financial on Facebook

See omnystudio.com/listener for privacy information.

What if the biggest fear in retirement isn’t running out of money, but spending it? In this episode, Richard Warner uncovers “plutophobia”—the fear of money—and explores how it shapes the choices and anxieties of retirees. From the mental shift of leaving a steady paycheck to the challenge of planning for decades of healthcare costs, he discusses why even those with plenty saved can feel uncertain. Discover how phased retirement, purposeful work, and practical planning can help overcome financial fears and bring clarity to your next chapter.

Book your complimentary appointment with Richard and the team on warnerfinancialsolutions.com or call 402-274-9185. And be sure to subscribe to the newsletter, too!

Follow Warner Financial on Facebook

See omnystudio.com/listener for privacy information.

Are hidden fees quietly draining your retirement savings? In this episode, Richard Warner exposes the investment products that often underperform—like variable annuities, whole life insurance, and target date funds—and explains why some popular choices may be costing more than you realize. Learn how fees, lack of diversification, and misunderstood options can erode your nest egg, and discover smarter strategies for protecting your portfolio. If you’re unsure whether your investments are working for you or against you, this conversation shines a light on the traps and truths every retiree should know.

Book your complimentary appointment with Richard and the team on warnerfinancialsolutions.com or call 402-274-9185. And be sure to subscribe to the newsletter, too!

Follow Warner Financial on Facebook

See omnystudio.com/listener for privacy information.

Medicare Open Enrollment is here—and this year, there’s a twist that could hit your wallet hard. Some Medicare Part D premiums are set to spike by as much as $50 a month. What’s behind these sharp increases? In this episode of The Retirement Bullpen, Richard Warner breaks down the key drivers, from rising drug costs to policy changes like the Inflation Reduction Act. We’ll explore why sticking with your current plan could be risky and what to consider when comparing Part D and Medicare Advantage options. Tune in for practical insights to help you navigate this critical enrollment period with confidence.

Book your complimentary appointment with Richard and the team on warnerfinancialsolutions.com or call 402-274-9185. And be sure to subscribe to the newsletter, too!

Follow Warner Financial on Facebook

See omnystudio.com/listener for privacy information.