Category: Investment Advisors
Why Saving for Retirement Isn’t Enough Anymore (Ep. 35)

Why Saving for Retirement Isn’t Enough Anymore (Ep. 35)

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You spent decades saving for retirement, but what if the biggest risk is not how much you saved, but how you use it?

In this episode, Ryan Thacker and Tyson Thacker break down what they see most people get wrong about retirement planning, especially in the critical years right before and after retirement. They explain why saving money and planning for retirement are two very different things, and how small, uncoordinated decisions around taxes, Social Security, investments, and healthcare can quietly erode your wealth over time.

Ryan and Tyson discuss:

  • Why the retirement red zone is where small mistakes become costly
  • How taxes act as a ripple effect across Social Security, Medicare, and income
  • Why over 90 percent of Americans file for Social Security the wrong way
  • The danger of taking too many risks late in your career
  • How healthcare costs can derail even well-funded retirements
  • Why coordinated planning matters more than chasing investment returns
  • And more

Share Your Story or Question:
What’s your biggest retirement concern? Email us at info@bossretirement.com or leave a voicemail, and we might feature your question in an upcoming episode.

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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Which Retirement Account Should You Withdraw From First (Ep. 34)

Which Retirement Account Should You Withdraw From First (Ep. 34)

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One of the biggest retirement mistakes has nothing to do with how much you saved, it’s about where your income comes from once you stop working. The order you withdraw your money can quietly trigger higher taxes, bigger Medicare premiums, and unnecessary stress later in life.

In this episode, Ryan Thacker and Tyson Thacker break down why withdrawal strategy is one of the most overlooked yet impactful decisions in retirement planning, and how a single misstep can set off a chain reaction that affects your taxes, Social Security, and long-term income.

Ryan and Tyson discuss:

  • Why the order you pull money from IRAs, 401(k)s, Roth accounts, and brokerage accounts matters more than most people realize
  • How withdrawals can unintentionally increase taxes on Social Security and trigger IRMAA Medicare surcharges
  • Common mistakes retirees make by relying on outdated rules of thumb like the 4% rule
  • How delaying or mismanaging withdrawals can lead to larger required minimum distributions later
  • What a coordinated withdrawal strategy looks like and how it helps protect income, taxes, and peace of mind
  • And more!

Book your complimentary retirement planning consultation and get answers to your most pressing questions.

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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The Retirement Tax Mistake Most People Never See Coming (Ep. 33)

The Retirement Tax Mistake Most People Never See Coming (Ep. 33)

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Most people watch their account balances closely, but very few know the number that matters most in retirement: how much they will actually owe in taxes. That number can change everything about what you can spend, how long your money lasts, and the choices you get to make in the years ahead.

In this episode, Ryan Thacker and Tyson Thacker walk through the real tax challenges facing retirees and why so many families are caught off guard. They explain why taxes often rise in retirement, how different income streams are taxed, and why understanding your tax buckets can help you avoid unnecessary surprises.

Ryan and Tyson discuss:

  • The three tax buckets and how each one affects your retirement income
  • Why most retirees underestimate their future tax bill
  • How RMDs, Social Security, pensions, and investment income interact
  • The power of tax bracket management and Roth strategies
  • The long-term impact of delaying tax planning
  • How forward-looking tax analysis can help families keep more of what they saved
  • 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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Year-End Strategies That Can Help Your Retirement Go Further (Ep. 32)

Year-End Strategies That Can Help Your Retirement Go Further (Ep. 32)

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As the year ends, many retirees review their financial decisions in light of changing tax rules, market movement, and ongoing cost pressures.

In this episode, Ryan Thacker and Tyson Thacker outline five Smart Money Moves that can help retirees prepare for 2026. Their discussion focuses on practical steps that influence taxes, income, Social Security, investment allocation, and healthcare planning.

Ryan and Tyson cover:

  • How tax planning can affect long-term retirement outcomes
  • Ways to create income that is steady and structured
  • Why Social Security decisions should integrate with the rest of a retirement plan
  • How portfolio drift occurs after long market runs, and when rebalancing may be useful
  • Considerations for managing rising healthcare costs
  • And more!

Book your complimentary retirement planning consultation and get answers to your most pressing questions.

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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Reliable Assets: Ensuring Financial Security (Ep. 31)

Reliable Assets: Ensuring Financial Security (Ep. 31)

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Most retirees focus on how much they have saved, but the biggest threat to their future is often the cost they never planned for. Taxes, inflation, healthcare, and longevity can quietly increase year after year until they place real pressure on your retirement income.

In this episode, Ryan Thacker and Tyson Thacker explain how hidden retirement expenses can erode even the strongest nest eggs and what you can do right now to protect yourself.

Ryan and Tyson discuss:

  • Why do many retirees end up in a higher tax bracket than expected
  • How “stealth taxes” like capital gains and lost deductions impact your income
  • Why inflation makes everyday expenses harder to manage over a 20 or 30-year retirement
  • The rising cost of healthcare and long-term care
  • How longer lifespans amplify every other financial risk
  • The difference between tax preparation and true tax planning
  • Practical steps to help keep more of your savings working for you
  • 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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How to Keep More of Your Money With Smart Roth Planning (Ep. 30)

How to Keep More of Your Money With Smart Roth Planning (Ep. 30)

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Most people focus on investment returns, but the real threat to a comfortable retirement often hides in plain sight. Taxes can quietly drain away more of your savings than you ever expected, and the window to take control may be smaller than you think.

In this episode, Ryan Thacker and Tyson Thacker break down how today’s historically low tax rates can create a rare opportunity for pre-retirees and retirees. They explain why strategic Roth conversions may help you keep more of your money, how required minimum distributions can trigger bigger tax bills later in life, and why waiting could mean giving up one of the most valuable planning windows available.

Ryan and Tyson discuss:

  • Why so much retirement savings sits in tax-deferred accounts, and why that can create problems later
  • How expanded tax brackets in the current law may help you convert more at potentially lower rates
  • Why timing matters with Roth conversions and how to avoid pushing yourself into higher tax brackets
  • How proactive planning can help you reduce uncertainty and build more control into your retirement income
  • What Washington proofing your retirement really means and how to get started before year-end
  • 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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How to Maximize Your Social Security and Keep More in Retirement

How to Maximize Your Social Security and Keep More in Retirement

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Most retirees unknowingly leave thousands of dollars on the table just by filing for Social Security the wrong way.

In this episode, Ryan and Tyson Thacker reveal how the right claiming strategy can mean hundreds of thousands more in retirement income. They break down the key mistakes people make, how taxes and Medicare tie into your benefits, and how a simple plan can help you keep more of what’s yours.

They also uncover real examples showing how timing, coordination, and smart planning can turn your Social Security into a powerful foundation for your retirement income.

Key takeaways:

  • How Social Security became the foundation of your retirement plan and why so many misunderstand how it works
  • The real cost of claiming benefits too early and how waiting could increase your lifetime income by 8% per year
  • How ignoring taxes and Medicare premiums can quietly drain thousands from your benefits
  • A real-life case study of a couple who gained over $207,000 by filing strategically
  • Why integrating Social Security with your IRA, 401(k), and overall retirement income plan can double your wealth’s long-term impact
  • 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: 

We Want to Hear From You!

What’s your biggest retirement concern? Email us or leave a voicemail, and we might feature your question in an upcoming episode of Retirement Solutions The Podcast!

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The Hidden Way to Grow Your Retirement Savings: It’s All About Taxes

The Hidden Way to Grow Your Retirement Savings: It’s All About Taxes

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What if the biggest opportunity to grow your retirement savings has nothing to do with chasing the next big investment and everything to do with taxes?

In this episode, Ryan Thacker and Tyson Thacker break down why taxes may be the single biggest expense you will face in retirement and how strategic tax planning could make your money go significantly further.

Ryan and Tyson discuss:

  • How today’s national debt and tax trends could impact your retirement
  • Why most retirees underestimate their lifetime tax burden
  • The “three tax buckets” and how to move from taxed later to tax-free income
  • The power of Roth 401(k)s, Roth conversions, and properly structured life insurance
  • How to “Washington-proof” your retirement and take control of your future
  • 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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Is Downsizing Right for You? Smart Tips for a Smooth Move with Jodi Rosko and Heather Fisher

Is Downsizing Right for You? Smart Tips for a Smooth Move with Jodi Rosko and Heather Fisher

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What if downsizing your home could actually upgrade your lifestyle in retirement?

In this episode, Tyson Thacker sits down with real estate professionals Jodi Rosko and Heather Fisher, co-hosts of The Downsizing Roadmap Podcast, to unpack how your home fits into your B.O.S.S. Retirement Blueprint. Together, they explore what it means to “dream first” when planning your next chapter; so your home aligns with your goals, your health, and your legacy.

We discuss:

  • How to turn the equity in your home into retirement confidence and freedom
  • The emotional side of decluttering: why memories matter more than things
  • Three types of downsizers: debt-free dreamers, cautious planners, and equity investors
  • Why early conversations with your kids can prevent conflict later
  • How to spot red flags when choosing a 55+ or senior living community
  • The mindset shift from accumulation to intentional living
  • 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 Jodi Rosko:

Connect with Heather Fisher:

About Jodi Rosko & Heather Fisher:

Jodi Rosko and Heather Fisher are real estate professionals and co-founders of The Downsizing Roadmap, a specialized program and podcast that helps retirees and families navigate the emotional and practical steps of downsizing with clarity and confidence. Through workshops, resources, and personalized guidance, they empower clients to plan early, declutter with purpose, and design a home that fits their next stage of life.

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Turning High Interest Rates Into a Retirement Advantage with Dave Whitworth

Turning High Interest Rates Into a Retirement Advantage with Dave Whitworth

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Rising interest rates feel like bad news, but what if rising interest rates could actually work in your favor during retirement?

In this episode, Ryan Thacker and Tyson Thacker sit down with long-time advisor and friend, Dave Whitworth, to unpack strategies for thriving in today’s high-interest-rate environment. From increasing guaranteed income to leveraging overlooked financial tools, they reveal how to create confidence and stability in your retirement plan.

Dave discusses:

  • How to turn high interest rates into higher lifetime income
  • Why Social Security is the foundation of every retirement income plan
  • The role annuities can play as a “private pension”
  • When a reverse mortgage could be a smart addition to your income strategy
  • How the B.O.S.S. Retirement Blueprint creates a customized, holistic plan
  • 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 Dave Whitworth:

About Dave Whitworth:

Dave Whitworth is an Investment Advisor Representative with B.O.S.S. Retirement Solutions and Advisors, where he forms relationships with clients as he helps identify areas where his services may be able to enhance retirement income planning. He enjoys the relationships that are created as trust is built, and he strives to provide exceptional customer service and ensure every financial goal is considered.

Dave has degrees in business management and zoology from Brigham Young University. He is an Investment Advisor Representative and a licensed insurance agent.

Dave is an outdoor and recreation enthusiast, originally from Wisconsin. He enjoys playing basketball, golf, volleyball, and cycling. With his wife, he stays busy supporting the activities and needs of their five children, and he enjoys attending their sporting and dance events.

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