Tag: Social Security Planning
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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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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