Tag: Retirement Planning
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

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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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Staying Connected: Building Family Bonds and Legacy in Retirement with Dr. Sean Brotherson (Ep. 25)

Staying Connected: Building Family Bonds and Legacy in Retirement with Dr. Sean Brotherson (Ep. 25)

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Retirement isn’t just about finances. It’s about having the freedom to focus on what matters most: your family.

In this heartfelt episode, Ryan Thacker and Tyson Thacker are joined by Dr. Sean Brotherson, Professor and Extension Family Science Specialist at North Dakota State University, to explore how retirees can deepen family connections, pass down values, and create meaningful traditions across generations.

From Saturday morning donut runs to turning family stories into lessons for resilience, this episode is filled with real ideas for building stronger relationships. Whether you’re a seasoned grandparent or just beginning to think about the legacy you want to leave, you’ll walk away with practical inspiration.

In this episode, you’ll discover:

  • How to create new family traditions without forcing them
  • The role of technology in staying connected with grandkids
  • How family stories can shape values and identity
  • Legacy-building activities that make memories last
  • 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

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Connect with Sean Brotherson:

About Sean Brotherson:

Sean Brotherson, Ph.D., is a professor and Family Life Specialist at North Dakota State University. With a Ph.D. in Human Development and Family Studies, he has been educating families nationwide since 1998. He and his wife of 34 years have eight children and three grandchildren, and they love spending time together, traveling, and building lasting family connections.

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What Really Happens in Your First Retirement Planning Meeting with Robert Brantley

What Really Happens in Your First Retirement Planning Meeting with Robert Brantley

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What if the fear of talking to a financial advisor is the very thing keeping you from retiring sooner and living the life you’ve always dreamed of?

In this episode, Ryan Thacker sits down with Robert Brantley, a trusted Investment Advisor Representative at B.O.S.S. Retirement Solutions, to talk about what really happens during a first retirement planning meeting. Known for his deep tax expertise, sincere client relationships, and powerful personal story, Robert shares why that first conversation could be one of the most life-changing moments of your retirement journey.

You’ll hear:

  • (00:03:00) Robert’s surprising background from Japan to the Tabernacle Choir
  • (00:06:00) How raising a daughter with special needs changed Robert’s financial journey
  • (00:09:00) What to expect during a first retirement appointment and why it’s more personal than numbers
  • (00:15:00) How a custom plan gave a grieving spouse peace of mind
  • (00:30:00) A life-changing case study: from burnout to bucket-list travel in Tanzania
  • And more

If you’ve been putting off your first planning meeting, this conversation might just change your mind and your future.

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 Robert Brantley:

About Robert Brantley

Robert Brantley is an Investment Advisor Representative at B.O.S.S. Retirement Solutions. With more than a decade of experience in financial services, Robert takes time to understand each client’s situation, including their wants, needs and goals. With that crucial information in mind, Robert helps clients build an optimal system of financial security to help them to and through retirement.

Before working in financial services, Robert was a professor at a university overseas. He holds two advanced degrees: one in teaching from Brigham Young University and one in accounting from The University of North Carolina at Chapel Hill.

He is a trained singer and has been in many choral groups over the years. He is proud to have been one of the earliest members of BYU’s now-famous a cappella group, Vocal Point.

Robert loves traveling, cooking and basketball, but his favorite pastime is spending time with his family. He and his wife, Marta, are the proud parents of nine children — six girls and three boys — and have a dog, Remi. The family loves music, walking at sunset, playing noisy and fun games, and trying new things.

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Creating Unforgettable Moments with Grandchildren with Susan Yates

Creating Unforgettable Moments with Grandchildren with Susan Yates

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What does it really take to build lasting family memories with your kids and grandkids, especially when everyone’s busy and scattered across the country?

In this heartwarming and practical episode, Ryan Thacker sits down with Susan Alexander Yates, author of Cousins Camp: A Grandparent’s Guide to Creating Fun, Faith, and Memories That Last, to explore how small, intentional efforts can lead to meaningful family traditions that stand the test of time. Susan shares how she and her husband turned a simple idea into an annual “Cousins Camp” that now includes all 21 of their grandchildren, even a set of quadruplets. From budget-friendly activities to age-appropriate planning and spiritual connection, this conversation is packed with inspiration for grandparents and parents who want to leave a legacy of love.

You’ll learn how grandparents can become anchors of wisdom and joy, even if they don’t live nearby, and how your financial plan can support your desire to gather family without the stress of overspending. Whether you’re dreaming of starting your own version of Cousins Camp or simply looking to strengthen your family bonds, this episode is a must-listen.

In this episode, Susan discusses:

  • (00:01) How she created “Cousins Camp” for her 21 grandchildren (including quadruplets!)
  • (00:06) Creative, budget-friendly ideas to build family connection and start meaningful traditions
  • (00:13) Ways grandparents can become trusted listeners and mentors during life’s messy moments
  • (00:24) How to prioritize family gatherings in your retirement plan without breaking the bank
  • 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 Susan Yates:

About Susan Yates:
Susan Alexander Yates is a wife of nearly 55 years, mother to five children (including a set of twins), and grandmother to 21—including a set of quadruplets. She and her husband John have hosted an annual “Cousin Camp” for their grandchildren for over a decade  in the Shenandoah Mountains of Virginia. Susan is the author of 16 books, including the acclaimed Cousin Camp: A Grandparent’s Guide to Creating Fun, Faith, and Memories That Last. She shares practical wisdom and encouragement for families on her blog at susanalexanderyates.com.

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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

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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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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