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19 videos on retirement planning, taxes, and investing — straight from Brian.
Investing
7 videos
3:15📊 Sequence risk: Buckets + guardrails = safe early retirement spending #shorts
Two retirees can earn the same average return and end up in completely different places, because the order returns arrive in matters enormously once you are withdrawing. A short-term reserve plus spending guardrails is how we keep a bad early market from doing permanent damage.
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13:57The End of the Traditional 60/40 Portfolio
The 60/40 portfolio worked for decades because bonds tended to rise when stocks fell. In 2022 both fell together, which was not an anomaly so much as a reminder that the negative correlation was a feature of a particular inflation regime rather than a permanent law.
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10:005 Potential Downsides of Using a Target Date Fund
Target date funds are a sound default for someone building a balance and a blunt instrument for someone about to draw income from it. They are personalized on exactly one variable — your birth year — and that becomes a real limitation as the balance grows and the plan gets specific.
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7:37What Should You Do With Your 401k When You Retire?
There are three real options for a 401(k) at retirement: leave it in the plan, take a full cash distribution, or roll it to an IRA. The first two are frequently misjudged — leaving it can be right if the plan is good and cheap, and taking cash is almost always expensive.
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4:54Sequence of Return Risk
Sequence-of-returns risk is the danger that poor market returns arrive in the first years of retirement, while you are withdrawing. Two retirees with identical average returns can end up decades apart in outcome depending purely on the order those returns came in.
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7:15Can You Retire at 62 with $1 Million in Your 401(k)?
Possibly — but the balance is the least informative part of the question. What determines the answer is your other income, what you actually spend, how you will manage taxes, and how you will cover health insurance for the three years before Medicare.
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7:16Elections and Investments | Separating Emotion from Strategy
Election cycles generate strong feelings and very little durable investment signal. Long-run market behaviour has been broadly consistent across administrations of both parties, and portfolios repositioned around an election outcome usually cost their owners money.
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Retirement Planning
10 videos
29:29Retirement Planning Essentials: What You Need to Know Before You Retire
A retirement plan is not a savings number. It is a coordinated set of decisions about income, taxes, healthcare, and how you actually intend to spend your time — and the households that transition most comfortably are the ones that made those decisions before their last day of work rather than after.
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3:50Shifting Your Retirement Spending Mindset
The retirement mistake nobody warns you about is not overspending. It is being financially secure and emotionally unable to spend — carrying a saving reflex built over forty years into a phase of life where it no longer serves you.
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3:55Common Mistakes to Avoid in Retirement
The recurring mistakes are not exotic: spending too freely in the first years without a rule, retiring at the wrong moment, ignoring longevity and inflation risk, over-supporting adult children, and leaving tax strategy entirely to a preparer.
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6:40How to Prepare for Retirement the Right Way
With roughly five years to go, the highest-value work is diversifying deliberately, unwinding concentrated company stock on a schedule, using the last high-contribution years fully, and building the tax plan that will govern the transition.
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3:565 Things Happy Retirees Do to Live Their Best Life
The retirees who seem happiest tend to share five habits: they reflect regularly on what they want from this stage, they stay physically active, they travel, they schedule time with the people who matter, and they keep learning.
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5:34How to Create a Bulletproof Retirement Plan
A tax-efficient retirement income plan is built in a specific order: identify predictable income first, calculate the shortfall against actual spending, then decide which account types fund that shortfall each year — with future required distributions planned for from the start.
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16:537 Things To Do If You Want To Retire Early!
Seven moves matter most for people targeting an early exit: maximize the workplace plan including enhanced catch-up contributions, plan the first five years of income specifically, build tax diversification, fund an HSA, review insurance, plan the non-financial transition, and use the low-bracket window for Roth conversions.
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7:02What Can You Learn From People That Have Already Walked the Retirement Path
Retirees consistently report the same regrets: they wish they had retired sooner, spent more in the early years, and taken better care of their health. Almost nobody reports wishing they had accumulated more.
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3:44How Much Do You REALLY Need to Save for Retirement?
There is no universal retirement number, because the answer is driven by what you spend rather than by a benchmark. A household spending modestly from a smaller portfolio can be in better shape than one spending heavily from a much larger one.
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8:50The 5 Biggest Retirement Regrets
Ask retirees what they would do differently and the same five answers come back: retire earlier, spend more in the early years, take better care of their health, take up a hobby sooner, and travel more while they easily could.
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Tax Planning
2 videos
12:58Retiring Before 65? Don’t Miss This Health Insurance Tax Break
Health insurance is the most common reason people believe they cannot retire before 65. The premium tax credit that offsets marketplace coverage is based on the income you report, not on the assets you hold — which means a household with substantial savings can still qualify if it plans deliberately which dollars to realize each year.
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6:27Avoid These 3 Big Tax Mistakes Every Retiree Makes
Three tax mistakes recur: not harvesting losses and gains when brackets allow it, letting income spike without realizing it will raise Medicare premiums two years later, and leaving Roth conversions until the low-bracket window has closed.
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