The Financial Game Plan Episode 004

In this episode of The Financial Game Plan, Kirk and Trevor discuss whether your retirement is built around a real strategy or simply hoping things work out. The conversation starts with a fun look at collectibles, hobbies, crypto, and other “hot” investment ideas. While those things can be enjoyable, they may not provide the liquidity, consistency, or predictability needed to fund retirement income. Kirk and Trevor also discuss forgotten 401(k)s, scattered investment accounts, diversification, RMDs, inherited IRA rules, sequence of return risk, and Medicare IRMAA. The main takeaway: multiple accounts are not the same thing as a retirement strategy. A strong retirement plan should help you understand what you own, how your money is positioned, where income will come from, and how taxes and healthcare costs may impact your future.