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The Atomic Retirement is a retirement podcast brought to you by financial planner Ryan Kilkenny, a U.S. Marine Corps veteran 🇺🇸 and the founder of Atomic Planning. Ryan is on a mission to educate and empower families to confidently navigate all things money, tax, and retirement. Join him each week as he covers topics on the minds of people in and near retirement. Ryan talks about: retirement planning, retirement income, Roth conversions, tax planning, investing, stocks and bonds, 401(k)s, Roth IRAs, health savings accounts, social security, medicare, long term care, insurance, charitable giving, estate planning, and more. You can learn more at https://www.atomicplanning.com/
- 28 - 28. How Investors Can Earn Better Investment Returns with Ashby Daniels
Better investment returns (we all want them). Today we're discussing how to be a more successful long-term investor and I'm joined by Ashby Daniels, a financial planner and the mastermind behind Money Visuals. Money Visuals is Ashby's creative outlet where he shares wisdom and timeless ideas for long-term investors. We can learn many important lessons from the world's greatest investors and I can't think of someone better to share them with you than Ashby. Whether you're new on your investing...
Tue, 23 Jul 2024 - 27 - 27. Making Memories and Creating Your Dream Vacation with Mark Comfort
When it comes to bringing people together, few things can match the magic of food, music, and, of course, the thrill of vacationing. Today we're talking about vacationing and I'm joined by Mark Comfort, an industry expert with more than 30 years of experience helping people create memories that last a lifetime. Mark has traveled to 108 countries and he and his wife Mimi are the owners of Cruise Holidays and Comfort Tours and Travel in Kansas City. They specialize in ocean cruises, river cruis...
Wed, 10 May 2023 - 26 - 26. The High Price Retirees Pay for Collecting Social Security Too Early
One of the most important decisions you will make in retirement is deciding when to collect your Social Security benefits. Social Security is a guaranteed lifetime annuity designed to pay you an inflation-protected income for as long as you live. But figuring out when to collect payments, especially if you are eligible for multiple benefits or coordinating with a spouse, can be nearly impossible. And here is the hard truth. Most retirees are giving up tens of thousands or even hundreds of tho...
Thu, 23 Mar 2023 - 25 - 25. Buying and Selling a Home with Kiley Willis
Today we're talking all things real estate with Kiley Willis. Kiley is a realtor at ReeceNichols Plaza in Kansas City (licensed in both Kansas and Missouri), and she is one of Kansas City's top real estate producers. Last year she was the top-ranked solo agent by sales volume at her old brokerage. And since 2016, she has sold more than 220 homes valued at nearly $60M in sales volume. If you have questions about buying or selling a home in this higher interest rate environment and you're not s...
Tue, 14 Mar 2023 - 24 - 24. What You Can Learn from Your 1099 Forms
Tax season is upon us, and you have probably received your fair share of important tax documents in the mail (or email inbox). Chances are your W-2 is not the only tax form you'll need to complete your income tax return because you likely received at least one or more 1099 forms too. Your 1099 forms report various types of income from the previous year. And that's why we must pay attention to them as we prepare and get organized for this tax season. Today we're talking about what you can lear...
Tue, 07 Mar 2023 - 23 - 23. Warren Buffett and 80 Years of Investing Wisdom
Warren Buffett's annual shareholder letter to owners of Berkshire Hathaway stock is out. Today we'll walk through it together, and I'll point out my top takeaways. After all, the letter contains wisdom from someone with 80 years of investing experience, which Buffett points out is roughly one-third of America's lifetime! I hope you enjoy this episode of The Atomic Retirement podcast! Resources MentionedBerkshire Hathaway Shareholder LettersThe Cost of Rising Short-TermismStart Your Atom...
Tue, 28 Feb 2023 - 22 - 22. Average 401(k) Balances Dropped 20% in 2022
2022 was a terrible, horrible, no good, very bad year for stock and bond markets. It seemed like everything went down in value, everything except inflation and mortgage rates which reached 40-year highs and 20-year highs, respectively. In short, 2022 was an emotionally draining year for many retirement investors and that means most panicked and yanked money out of their 401(k)s, right? No so fast. Today we're discussing what folks have been up to with their employer retirement accounts. I hop...
Tue, 21 Feb 2023 - 21 - 21. Fixing Social Security: 7 Changes Americans Are Willing to Make
Social Security may only be able to pay 80% of its promised benefits starting in 2035 if Congress does not address a projected shortfall. Today we're talking about 7 changes Americans say they are willing to make to fix Social Security. I hope you enjoy this episode of The Atomic Retirement podcast! Resources Mentioned7 Changes Americans Are Willing to Make to Fix Social SecurityThe 2022 Annual Report of the Board of Trustees of the Federal Old-Age and Survivors Insurance and Fede...
Wed, 16 Nov 2022 - 20 - 20. Tax Secrets of Health Savings Accounts
Healthcare is not cheap and, aside from taxes, might be your most costly retirement expense. Did you know there's a tax-advantaged savings account to help with your healthcare costs? Health Savings Accounts came about in 2003, and many people are unfamiliar with their benefits and tax secrets. That's our topic on this episode of The Atomic Retirement podcast! Resources MentionedTax Secrets of Health Savings Accounts The Best HSA Providers of 2022 IRS Publication 969 - He...
Wed, 12 Oct 2022 - 19 - 19. Navigating the Medicare Maze with Danielle Roberts
Today we're talking all things Medicare with Danielle Roberts. Danielle is a Medicare expert and the co-founder of Boomer Benefits, an insurance agency helping people across the country understand Medicare and their insurance options. She's also the author of 10 Costly Medicare Mistakes You Can't Afford To Make. If you have Medicare questions and you're not sure where to start, I think you'll get a lot of value from our conversation on this episode of The Atomic Retirement podcast!Medicare Op...
Tue, 04 Oct 2022 - 18 - 18. Is It a Bad Time to Retire?
With stock and bond markets down double-digits year-to-date, and inflation at 40-year highs, is it a bad time to retire? Should I delay retirement? That's our topic on this episode of The Atomic Retirement podcast! Resources MentionedIs Now a Bad Time to Retire? What Past Stock Market Declines Can Teach UsRetirees Have a SuperpowerSequence of Return RiskStart Your Atomic Retirement Journey📱 Follow Ryan on Twitter 🗞 Get Atomic Planning's Weekly Newsletter 🚀 Ask Ryan a Money Question...
Tue, 27 Sep 2022 - 17 - 17. How Much is Enough Money for Retirement?
How much money do I need to stop working, be financially independent, and retire? Do I need a half-a-million dollars, a million, two million, or something else? That's our topic on this episode of The Atomic Retirement podcast! Resources MentionedMy Social Security Account WebsiteFuture Value Calculator Start Your Atomic Retirement Journey📱 Follow Ryan on Twitter🗞 Get Atomic Planning's Weekly Newsletter🚀 Ask Ryan a Money Question
Wed, 31 Aug 2022 - 16 - 16. Is the U.S. in a Recession?
Is the US in a recession? That's our topic on this episode of The Atomic Retirement podcast! Resources MentionedIf This is a Recession, We Might Not Know for MonthsBureau of Economic Analysis Gross Domestic Product (GDP) Data Start Your Atomic Retirement Journey📱 Follow Ryan on Twitter🗞 Get Atomic Planning's Weekly Newsletter🚀 Ask Ryan a Money Question
Tue, 02 Aug 2022 - 15 - 15. The 15 Lies (and Omissions) Insurance Salespeople Tell About Indexed Universal Life (IUL) Insurance Policies
Today we are talking about the 15 lies and omissions that insurance salespeople tell about Indexed Universal Life (IUL) Insurance Policies. I hope you enjoy this episode of The Atomic Retirement podcast! Resources MentionedIs IUL a Scam? Yes. by Jeremy SchneiderPersonal Finance Club Instagram PageStart Your Atomic Retirement Journey📱 Follow Ryan on Twitter🗞 Get Atomic Planning's Weekly Newsletter🚀 Ask Ryan a Money Question
Tue, 26 Jul 2022 - 14 - 14. Ten Social Security Myths That Refuse to Die
Today we are talking about 10 Social Security myths and misconceptions that refuse to die. I hope you enjoy this episode of The Atomic Retirement podcast! Resources Mentioned10 Social Security Myths That Refuse to DieSocial Security Administration WebsiteStart Your Atomic Retirement Journey📱 Follow Ryan on Twitter🗞 Get Atomic Planning's Weekly Newsletter🚀 Ask Ryan a Money Question
Tue, 14 Jun 2022 - 13 - 13. Estate Planning and Probate Court with Samara Nazir, J.D.
Today I'm joined by Samara Nazir, J.D. Samara is an estate planning attorney at Parman & Easterday in Overland Park, Kansas. Samara is licensed to practice law in both Kansas and Missouri, and her practice areas include estate planning and probate administration. If you have questions about your own estate plan, what it looks like to work with an estate planning attorney, what documents you need, when your documents should be updated, how probate works, and costly mistakes to avoid,...
Mon, 06 Jun 2022 - 12 - 12. Don't Fear Stock Market Volatility When It Inevitably Comes with Nick Maggiulli
Today I'm joined by Nick Maggiulli. Nick is the Chief Operating Officer and Data Scientist at Ritholtz Wealth Management in New York City. He has an economics degree from Stanford University and he writes a weekly blog called Of Dollars And Data, where he focuses on the intersection of data and personal finance. Nick is also the author of a new book called Just Keep Buying - Proven Ways to Save Money and Build Your Wealth. I hope you enjoy this episode of The Atomic Retirement Podcast. ...
Mon, 23 May 2022 - 11 - 11. Insurance Made Simple with Broc Buckles
Today we are talking about all things insurance and I'm joined by Broc Buckles. Broc is the co-founder of BC Brokerage, an independent insurance brokerage that focuses on serving the families of fee-only financial planners, like Atomic Planning. Broc and his co-founder, Peter, help families across the country accomplish their insurance needs, and get the correct life, disability, long-term care, and annuity coverage required to safeguard their financial goals. They also review insurance...
Mon, 16 May 2022 - 10 - 10. How Proactive Tax Planning Can Rescue Your Retirement
Today we are talking about proactive tax planning and how it may be able to rescue your retirement and defuse a retirement tax bomb. I hope you enjoy this episode of The Atomic Retirement Podcast! Resources MentionedHow Proactive Tax Planning Can Rescue Your Retirement2022 Tax Rates, Schedules, and Contributions LimitsIRS Publication 590-B Distributions from Individual Retirement Accounts Estimate Your Social Security Retirement BenefitsIncome Taxes and Your Social Security BenefitM...
Tue, 10 May 2022 - 9 - 9. Sixty-Seven Percent of Americans Do Not Have an Estate Plan with Andres Mazabel
According to a recent survey from caring.com, 67% of Americans do not have estate planning documents. That's why I'm joined by Andres Mazabel of Trust & Will on this episode of The Atomic Retirement Podcast. Resources MentionedTrust & Will Website Trust & Will Estate Planning Learning Center2022 Wills and Estate Planning Study from Caring.comStart Your Atomic Retirement Journey📱 Follow Ryan on Twitter🗞 Get Atomic Planning's Weekly Newsletter🚀 Ask Ryan a Money Question
Mon, 25 Apr 2022 - 8 - 8. Is Social Security the Best Annuity for Your Money?
Is Social Security the Best Annuity for Your Money? That's what I'm talking about on this episode of The Atomic Retirement Podcast. Resources MentionedSocial Security Administration Website Social Security Cost of Living Adjustment Information What are FICA Taxes Start Your Atomic Retirement Journey📱 Follow Ryan on Twitter🗞 Get Atomic Planning's Weekly Newsletter🚀 Ask Ryan a Money Question
Mon, 18 Apr 2022 - 7 - 7. Should I Buy an Annuity for Retirement Income?
Should I buy an annuity for retirement income? That's what I'm talking about on this episode of The Atomic Retirement Podcast. Questions you can ask to learn more about an annuityHow are you compensated?What is the commission paid to you if I purchase this annuity versus another annuity?What is the insurance company’s financial strength? What happens to my annuity if the insurance company goes bankrupt? What fees should I expect to pay on an annual basis?Is this annuity fixed, ...
Mon, 04 Apr 2022 - 6 - 6. What are Required Minimum Distributions (RMDs)?
What are Required Minimum Distributions (RMDs)? That's what I'm talking about on this episode of The Atomic Retirement Podcast. Resources MentionedIRS Website Required Minimum Distributions Transferring IRA Money to an HSA from InvestopediaStart Your Atomic Retirement Journey📱 Follow Ryan on Twitter🗞 Get Atomic Planning's Weekly Newsletter🚀 Ask Ryan a Money Question
Mon, 28 Mar 2022 - 5 - 5. Why the 60/40 Portfolio is (Probably) Wrong For You
Why is the 60/40 portfolio (probably) wrong for you? How do I think about asset allocation? That's what I'm talking about on this episode of The Atomic Retirement Podcast. Resources MentionedHistorical Returns on Stocks, Bonds and Bills 1928-2021 Start Your Atomic Retirement Journey📱 Follow Ryan on Twitter🗞 Get Atomic Planning's Weekly Newsletter🚀 Ask Ryan a Money Question
Fri, 25 Mar 2022 - 4 - 4. The Report Mutual Funds Don't Want You to Read
What's the report mutual funds don't want you to read? That's what I'm talking about on this episode of The Atomic Retirement Podcast. Resources MentionedS&P Dow Jones Indices End of Year 2021 SPIVA U.S. Scorecard Average Cost of Active & Passive Funds from InvestopediaHow Mutual Funds Mislead Investors Start Your Atomic Retirement Journey📱 Follow Ryan on Twitter🗞 Get Atomic Planning's Weekly Newsletter🚀 Ask Ryan a Money Question
Mon, 21 Mar 2022 - 3 - 3. The Value of Good Financial Advice (According to Vanguard)
What's the value of good financial advice (after fees)? That's what I'm talking about in this episode of The Atomic Retirement Podcast. Resources MentionedPutting a Value on Your Value: Quantifying Vanguard Advisor's Alpha Start Your Atomic Retirement Journey📱 Follow Ryan on Twitter🗞 Get Atomic Planning's Weekly Newsletter🚀 Ask Ryan a Money Question
Sat, 19 Mar 2022 - 2 - 2. What Does Atomic Planning Mean?
What does Atomic Planning mean? That's what I'm talking about during this second episode of The Atomic Retirement Podcast. Resources MentionedAtomic Habits by James ClearStart Your Atomic Retirement Journey📱 Follow Ryan on Twitter🗞 Get Atomic Planning's Weekly Newsletter🚀 Ask Ryan a Money Question
Sat, 19 Mar 2022 - 1 - 1. My Story & Why I Launched Atomic Planning
Who am I and why did I launch Atomic Planning, an independent, veteran-owned 🇺🇸 fee-only, financial planning practice? That's what I'm talking about on this very first episode of The Atomic Retirement Podcast. Start Your Atomic Retirement Journey📱 Follow Ryan on Twitter🗞 Get Atomic Planning's Weekly Newsletter🚀 Ask Ryan a Money Question
Fri, 18 Mar 2022
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