Category: Education
Hidden Gems, Comfort, and Confidence in Retirement Travel with Laura Murdoch

Hidden Gems, Comfort, and Confidence in Retirement Travel with Laura Murdoch

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When it comes to retirement, some of the most meaningful memories are made through travel.

In this episode, Tyson and Ryan Thacker sit down once again with Laura Murdoch of Morris Columbus Travel to uncover how retirees can explore the world with confidence, comfort, and joy. From secret beaches in Thailand to polar bear sightings in Canada, Laura shares real stories and insider tips that turn ordinary trips into extraordinary experiences.

What to expect:

  • Unexpected destination ideas, including overlooked spots in the U.S.
  • The top reasons a travel advisor is worth every penny
  • Tips for staying safe and comfortable while traveling
  • How to build travel into your retirement plan with flexibility

This conversation is more than a travel guide. It’s a reminder that with the right plan, your retirement adventures can be just as exciting as your dreams. Start dreaming and planning at bossretirement.com.

Resources:

Get your FREE B.O.S.S. Retirement Blueprint:

3 Ways to Respond:

  • Text BLUEPRINT to (435) 500-0665
  • Call: (800) 769-7550
  • or Click Here

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Connect with Laura Murdoch: 

About Laura Murdoch

Laura Murdoch loves to travel and talk about travel! Since 1993, she has helped clients plan big vacations and small getaways on every continent. Having been to more than 30 countries, traveled to all 50 states, and sailed on a wide array of cruises, Laura is often asked which place is her favorite to visit. Her answer is always the same, “I’ve had amazing experiences everywhere I’ve been, but I’ll never turn down traveling to the beaches of Hawaii.” The most memorable trips she plans are for people who are trying to check things off their travel bucket list. Laura loves to help identify what they’re looking to do and then architect their perfect experience. Whether you’ve always dreamed of a foodie tour in NYC, a long weekend in Charleston, a hideaway in Thailand, or an exploration of the Amazon River, she’s not just a travel agent, she’s a maker of lifetime memories!

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Dream Destinations and Smart Planning for Retirees with Laura Murdoch

Dream Destinations and Smart Planning for Retirees with Laura Murdoch

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When most people picture retirement, one dream tops the list: travel. But turning that dream into a reality takes more than wanderlust. It requires planning, budgeting, and knowing what to expect.

In this episode, Ryan and Tyson Thacker welcome travel advisor Laura Murdoch from Morris Columbus Travel to unpack the real-world logistics of retirement travel. From bucket-list safaris and river cruises to multi-generational vacations with kids and grandkids, Laura shares the insider knowledge that helps retirees travel smart and in style.

Whether you’re dreaming of European river cruises, New England fall foliage, or a $5K road trip close to home, you’ll discover how to align your vision with your financial blueprint.

Laura discusses:

  • How far in advance to plan your dream trip (hint: a year isn’t too early)
  • Tips for traveling with kids, grandkids, and even great-grandkids
  • The truth about Medicare abroad and why travel insurance matters
  • Budgeting ranges from $5K to $50K, and how to make each work
  • And more

Start designing your dream retirement, one destination at a time.

Resources:

Get your FREE B.O.S.S. Retirement Blueprint:

3 Ways to Respond:

  • Text BLUEPRINT to (435) 500-0665
  • Call: (800) 769-7550
  • or Click Here

Connect with Tyson Thacker: 

Connect with Ryan Thacker: 

Connect with Laura Murdoch: 

About Laura Murdoch

Laura Murdoch loves to travel and talk about travel! Since 1993, she has helped clients plan big vacations and small getaways on every continent. Having been to more than 30 countries, traveled to all 50 states, and sailed on a wide array of cruises, Laura is often asked which place is her favorite to visit. Her answer is always the same, “I’ve had amazing experiences everywhere I’ve been, but I’ll never turn down traveling to the beaches of Hawaii.” The most memorable trips she plans are for people who are trying to check things off their travel bucket list. Laura loves to help identify what they’re looking to do and then architect their perfect experience. Whether you’ve always dreamed of a foodie tour in NYC, a long weekend in Charleston, a hideaway in Thailand, or an exploration of the Amazon River, she’s not just a travel agent, she’s a maker of lifetime memories!

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How to Retire with Confidence: Lessons from the Experts (Ep. 20)

How to Retire with Confidence: Lessons from the Experts (Ep. 20)

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Is your Social Security strategy costing you tens of thousands of dollars?

In this must-listen episode of Retirement Solutions The Podcast, Ryan Thacker welcomes Brian Ward, a top advisor at B.O.S.S. Retirement Solutions, to uncover the hidden costs and missed opportunities tied to poor Social Security strategies. With a background rooted in family and purpose, starting with helping his own father’s retirement planning firm, Brian brings a deeply personal approach to retirement planning.

Together, they explore why personalized financial advice matters more than ever in today’s shifting landscape. From overlooked spousal benefits to unexpected tax traps, they break down the real-life consequences of generic plans and the transformative power of a tailored retirement plan. Brian also shares powerful stories, including clients raising grandkids using Social Security benefits and the unique challenges facing railroad retirees after recent legislative changes.

Brian and Ryan discuss:

  • (00:12:12) The complexities of Social Security strategies and their direct impact on long-term financial security
  • (00:15:44) Real-life examples of families facing unique retirement challenges, like grandparents raising grandchildren and leveraging Social Security benefits
  • (00:20:59) How recent legislative changes are affecting railroad retirees and their retirement plans
  • (00:27:12) The importance of personalized retirement advice in adapting to regulatory changes and ensuring confidence in retirement
  • And more!

Resources:

Get your FREE B.O.S.S. Retirement Blueprint:

3 Ways to Respond:

  • Text BLUEPRINT to (435) 500-0665
  • Call: (800) 769-7550
  • or Click Here

Connect with Ryan Thacker: 

Connect with Brian Ward: 

About Brian Ward:

With more than 16 years of experience in the financial services industry, Brian thoroughly enjoys helping his clients understand the advantages and disadvantages of every financial decision they make, as well as helping them create and execute financial plans. Before joining the family business, Brian owned a successful mortgage brokerage for 13 years.

Brian graduated from Utah Valley University with a bachelor’s degree in business administration. He is an Investment Advisor Representative and a licensed insurance agent.

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The Secret to Saving Big on Taxes in Retirement (Ep. 19)

The Secret to Saving Big on Taxes in Retirement (Ep. 19)

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What if you could turn your biggest retirement expense into your greatest savings opportunity? 

In this episode, Tyson and Ryan Thacker from B.O.S.S. Retirement Solutions sit down with Brandon Olson, CPA, an investment advisor representative at B.O.S.S., to explore smart tax strategies that can keep more of your hard-earned savings in your pocket. As taxes continue to loom as one of the most significant retirement expenses, the opportunity lies in proactive planning and using tools like Roth conversions.

You will learn:

  • How current historical low tax rates offer a golden window of opportunity for Roth conversions (05:31)
  • The significant tax savings potential in converting a traditional IRA to a Roth IRA (07:59)
  • Real-life examples, including a hypothetical case study highlighting long-term tax savings (09:53)
  • The critical decision between pension cash flow versus lump sum and its tax implications (20:08)
  • Common pitfalls in managing retirement income, Social Security, and medical costs (24:49)
  • And more!

Resources:

Get your FREE B.O.S.S. Retirement Blueprint:

3 Ways to Respond:

  • Text BLUEPRINT to (435) 500-0665
  • Call: (800) 769-7550
  • or Click Here

Connect with Tyson Thacker: 

Connect with Ryan Thacker: 

Connect with Brandon Olson: 

About Brandon Olson

Brandon P. Olson, CPA, is an Investment Advisor Representative at B.O.S.S. Retirement Solutions. Brandon uses his wealth preservation and tax planning experience to help his clients find desirable retirement solutions as part of investing their lives in their work and family.

He has been involved with investment management for most of his career. He graduated from Brigham Young University with bachelor’s and master’s of accounting degrees with an emphasis in tax. He has worked with PricewaterhouseCoopers as a CPA, focusing on all areas of taxation, and as a chief financial officer for several prominent Utah companies. He is licensed as a CPA and real estate agent. He is an Investment Advisor Representative and a licensed insurance agent.

As former president of Norbest, Brandon successfully led business relationships to produce more than $150 million in sales and marketing, while managing $35 million in lending.

Brandon loves spending time with his family and is proud to be called a grandpa! He serves in his faith, loves the outdoors, traveling, and getting his hands dirty gardening, yard work or construction projects, but most of all, being with and helping people.

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Legacy Planning: More Than Just Money (Ep. 18)

Legacy Planning: More Than Just Money (Ep. 18)

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What does it truly mean to leave a legacy? How do you tie together money, values, and memories into something lasting?

Join Ryan and Tyson Thacker, the Retirement Brothers from B.O.S.S. Retirement Solutions, as they dive deep into the concept of legacy. In this heartwarming episode, they share personal stories about their upbringing and the legacy their own parents created. They discuss the importance of not only passing on financial wealth but also the principles and values that define a family. Whether you’re looking to ensure that your children avoid the pitfalls of financial disputes or simply want to be remembered for the relationships you built and the values you upheld, this episode is quite revealing. They also explore the idea that your legacy doesn’t have to be about grand gestures—it’s the daily actions and consistent values that count.

Ryan and Tyson discuss:

  • [00:01:59] Personal anecdotes from their family’s legacy
  • [00:09:27] The story of their cabin and lessons learned
  • [00:21:18] Insight into the B.O.S.S. Retirement Blueprint
  • [00:27:08] The critical role of intentional planning

Resources:

Get your FREE B.O.S.S. Retirement Blueprint:

3 Ways to Respond:

  • Text BLUEPRINT to (435) 500-0665
  • Call: (800) 769-7550
  • or Click Here

Connect with Tyson Thacker: 

Connect with Ryan Thacker: 

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Secrets to Minimizing Taxes on Your Retirement Income (Ep. 17)

Secrets to Minimizing Taxes on Your Retirement Income (Ep. 17)

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Why are taxes one of the biggest retirement expenses, and how can you minimize them?

Join Ryan and Tyson Thacker for an episode of Retirement Solutions The Podcast as they discuss how taxes can take a huge bite out of your retirement savings and share strategies to help avoid it. Discover how you often have more control over taxes in retirement than any other time in life.

Ryan and Tyson delve into:

  • (02:54) Common misconceptions about retirement tax 
  • (06:10) The true cost of tax-deferred savings vehicles, like 401(k)s 
  • (15:22) Strategies for minimizing taxes through Roth conversions and life insurance 
  • (18:34) Changes in tax brackets and how they affect your retirement taxes 
  • (27:11) The benefits of advanced tax planning strategies for retirees 
  • And more!

Tune in and explore how smart tax strategies can save you a substantial amount and keep more of your hard-earned savings in your pocket.

Resources:

Get your FREE B.O.S.S. Retirement Blueprint:

3 Ways to Respond:

  • Text BLUEPRINT to (435) 500-0665
  • Call: (800) 769-7550
  • or Click Here

Connect with Tyson Thacker: 

Connect with Ryan Thacker: 

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How to Take the Risk Out of Retirement (Ep. 16)

How to Take the Risk Out of Retirement (Ep. 16)

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What’s the main risk that’s hiding in your retirement plan? Chances are, it’s lurking in plain sight and could jeopardize your financial future. How can you avoid it?

In this episode, Ryan Thacker and Tyson Thacker, the “retirement brothers” from B.O.S.S. Retirement Solutions and Advisors, talk about managing risk in your retirement portfolio. Through storytelling and real-life examples, they illustrate the all-too-common mistakes that can compromise your financial security. This episode shines a spotlight on how to ensure your money lasts as long as you do, helping you avoid the pitfall of taking unnecessary risks.

They discuss: 

  • (01:18) Recognizing the emotional impact of financial risk
  • (03:53) Personal anecdotes about business risks and financial losses
  • (14:20) The significance of ‘stress testing’ your portfolio to gauge risk accurately
  • (21:57) The insidious effect of fees on your retirement savings
  • And more

Tune in for an enlightening discussion that leverages real stories to help you create a foolproof plan. By understanding the risks and taking the necessary steps, you can protect your nest egg and secure a worry-free retirement.

Resources:

Get your FREE B.O.S.S. Retirement Blueprint:

3 Ways to Respond:

  • Text BLUEPRINT to (435) 500-0665
  • Call: (800) 769-7550
  • or Click Here

Connect with Tyson Thacker: 

Connect with Ryan Thacker: 

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Social Security Alone Isn’t Enough for Retirement (Ep. 15)

Social Security Alone Isn’t Enough for Retirement (Ep. 15)

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Are you confident that your retirement income plan will last?

In this episode, Ryan Thacker and Tyson Thacker explore this critical question, helping listeners uncover often-overlooked strategies for creating reliable income streams beyond just Social Security. With the federal government’s actions and potential Social Security shortfalls looming, it’s crucial to start planning for “permanent unemployment.”

Ryan and Tyson discuss:

  • (00:01:20) The need to shift focus from just savings to income planning
  • (00:04:52) Why Social Security isn’t a standalone solution for most
  • (00:17:58) Creative solutions for building multiple income streams
  • (00:29:00) Annuities, dividends, and real estate as income sources

Tune in to discover actionable insights that can empower you to retire with confidence and ensure financial security. Remember, true comfort in retirement starts with a solid plan.

Resources:
Get your FREE B.O.S.S. Retirement Blueprint

3 Ways to Respond:

  • Text BLUEPRINT to (435) 500-0665
  • Call: (800) 769-7550
  • or Click Here

Connect with Tyson Thacker: 

Connect with Ryan Thacker: 

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Avoiding the Tax Avalanche in Retirement (Ep. 14)

Avoiding the Tax Avalanche in Retirement (Ep. 14)

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Have you ever wondered just how much of your retirement savings actually belongs to you and how much goes to Uncle Sam?

In this episode, Ryan Thacker and Tyson Thacker delve into the all-important topic of taxes in retirement. They break down the “tax avalanche” that could threaten your hard-earned savings and explain how a strategic plan can help you navigate safely through your golden years. Don’t let the tax avalanche catch you off-guard. Tune in to get ahead with your retirement planning!

Ryan and Tyson discuss: 

  • (00:18) The significance of understanding the “tax dilemma”
  • (05:13) The “Tax Avalanche” – What it is and how to avoid it
  • (12:52) What the different tax buckets are and what they look like
  • (15:33) A case study of Bob and Carol’s retirement savings, and how comprehensive planning saved them $641,282 in taxes
  • And more

Resources:

Get your FREE B.O.S.S. Retirement Blueprint:

3 Ways to Respond:

  • Text BLUEPRINT to (435) 500-0665
  • Call: (800) 769-7550
  • or Click Here

Connect with Tyson Thacker: 

Connect with Ryan Thacker: 

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Are You Taking Too Much Risk with Your Retirement? (Ep. 13)

Are You Taking Too Much Risk with Your Retirement? (Ep. 13)

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Are you aiming to be rich in retirement or simply ensuring you won’t be poor?

In this episode, Ryan Thacker and Tyson Thacker tackle the pivotal question: Should your retirement plan chase risk for potential riches or focus on security to avoid poverty? They explore common financial myths that could jeopardize your retirement, especially if you don’t fully understand your risk tolerance. Listen in as they unravel the misconceptions surrounding financial planning and highlight the critical importance of reliable income over magic numbers. 

Ryan & Tyson discuss: 

  • (05:31) The myth of the “magic number” for retirement savings and its pitfalls
  • (07:04) Why “set it and forget it” isn’t a real plan
  • (09:07) The misleading nature of average rates of return
  • (13:09) How high risk doesn’t always translate to high reward
  • (18:12) Real-life examples from the B.O.S.S. Retirement Blueprint, including the risk analysis of Bob and Carol
  • And more

Resources:

Get your FREE B.O.S.S. Retirement Blueprint:

3 Ways to Respond:

  • Text BLUEPRINT to (435) 500-0665
  • Call: (800) 769-7550
  • or Click Here

Connect with Tyson Thacker: 

Connect with Ryan Thacker: 

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