Simplicity Retirement Blueprint

Plenty of people make it to retirement on their own. They've spent decades saving, investing, and building wealth, sometimes accumulating millions of dollars without professional help.

So why do people who've already done everything right decide to seek financial advice?

This week, Bruce Hooley asks Josh Pick and Logan Harris that very question. From confirming you have enough to retire to creating income, managing taxes, and gaining the confidence to spend what you've saved, we explore what finally brings successful investors through our doors.

Ready to talk about your retirement?

Visit www.SimplicityWealth.com/Columbus-Ohio or call (614) 917-1040 to schedule a complimentary, no-obligation consultation.

The Retirement Blueprint Show airs Fridays at 4 PM and Saturdays at 12 PM on 98.9 FM The Answer.

Investment advisory and financial planning services are offered through Simplicity Wealth, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm nor does it indicate that the adviser has attained a particular level of skill or ability. Investments involve the risk of loss. Simplicity Wealth Advisors does not provide legal or tax advice. The content provided is for informational purposes only and should not be construed as investment, legal or tax advice. Clients and prospective clients are encouraged to consult with their own legal and tax professionals regarding their specific situations.

We've got some exciting things coming up at Simplicity Wealth Columbus!

This week, Josh Peck and Logan Harris join Bruce Hooley to discuss the latest economic headlines, including the Fed's interest rate dilemma, inflation, and the impact of AI on the markets.

Then, we turn our attention to two upcoming educational events designed to help you make more informed financial decisions.

Join us for one of our upcoming events:

• Social Security Workshops: October 13 and 14, 6:30–7:30 PM at the Powell Municipal Building.

• Money, Meaning, and Markets: November 5, 6:30–8:00 PM at 8101 North High Street. Explore smarter charitable giving strategies and get your financial questions answered.

Space is limited. Visit www.SimplicityWealth.com/Columbus-Ohio and select Events to learn more and register.

Ready to take the next step?

If today’s episode sparked questions about your own retirement, we’re here to help.

Schedule a complimentary, no-obligation consultation with our team.

Visit www.SimplicityWealth.com/Columbus-Ohio

Or give us a call at (614) 917-1040

The Retirement Blueprint Show airs every Friday at 4 PM and Saturday at 12 PM on 98.9 FM The Answer. You can also subscribe to the podcast so you never miss an episode.

The information discussed in this podcast is for educational purposes only and should not be considered personalized financial, tax, or legal advice. Investing involves risk, including the possible loss of principal. Please consult a qualified professional regarding your individual circumstances.

Investment advisory and financial planning services are offered through Simplicity Wealth, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm nor does it indicate that the adviser has attained a particular level of skill or ability. Investments involve the risk of loss. Simplicity Wealth Advisors does not provide legal or tax advice. The content provided is for informational purposes only and should not be construed as investment, legal or tax advice. Clients and prospective clients are encouraged to consult with their own legal and tax professionals regarding their specific situations.

Retirement decisions rarely stand alone.

When you claim Social Security can affect taxes, Medicare costs and survivor benefits. Working longer may sound like a simple solution, until health, family or job changes force the issue. Even choices like borrowing from a retirement account can look very different once you compare the full cost instead of relying on a rule of thumb.

In this episode, Josh and Logan discuss why a good retirement plan has to account for how these decisions interact, how changing circumstances can reshape the plan, and why flexibility and backup options matter just as much as the original strategy

If today’s episode sparked questions about your own retirement, we’re here to help.

Schedule a complimentary, no-obligation consultation with our team.

Visit SimplicityWealth.com/Columbus-Ohio
Or call (614) 917-1040

The Retirement Blueprint Show airs every Friday at 4 PM and Saturday at 12 PM on 98.9 FM The Answer. You can also subscribe to the podcast so you never miss an episode.

The information discussed in this podcast is for educational purposes only and should not be considered personalized financial, tax, or legal advice. Investing involves risk, including the possible loss of principal. Please consult a qualified professional regarding your individual circumstances.

The week ended with another jobs report, another round of questions about interest rates, inflation, housing and what the Fed might do next.

But the bigger conversation became something else entirely: How do you make sure the people helping guide your retirement are still improving too?

In this episode, Josh and Logan talk about why the firm chose Simplicity Wealth, what scale and resources can add to an advisory practice, and why access to better technology, deeper specialization and broader experience can matter to clients.

They also discuss the balance between having the backing of a larger organization and still maintaining the independence to recommend what actually fits the person sitting across the table. 

Because the goal is not just a better client experience on the surface. It is better planning, better monitoring, better communication and a stronger process for making retirement decisions over time.

If today’s episode sparked questions about your own retirement, we’re here to help.

Schedule a complimentary, no-obligation consultation with our team.

Visit SimplicityWealth.com/Columbus-Ohio
Or call (614) 917-1040

The Retirement Blueprint Show airs every Friday at 4 PM and Saturday at 12 PM on 98.9 FM The Answer. You can also subscribe to the podcast so you never miss an episode.

The information discussed in this podcast is for educational purposes only and should not be considered personalized financial, tax, or legal advice. Investing involves risk, including the possible loss of principal. Please consult a qualified professional regarding your individual circumstances.

Interest rates can affect everything from borrowing costs to bond values and retirement income. But even investments considered “safe” can create challenges if rates change or income ends sooner than expected.

Social Security also comes with more decisions than many people realize. When should you claim? How could working, taxes or future benefit changes affect what you receive?

And once required minimum distributions begin, could they also increase the taxes on your Social Security or raise your Medicare premiums?

Find out today on the Simplicity Wealth Blueprint Show.

Ready to take the next step?

If today’s episode sparked questions about your own retirement, we’re here to help.

Schedule a complimentary, no-obligation consultation with our team.

Visit www.SimplicityWealth.com/Columbus-Ohio

Or give us a call at (614) 917-1040

The Retirement Blueprint Show airs every Friday at 4 PM and Saturday at 12 PM on 98.9 FM The Answer. You can also subscribe to the podcast so you never miss an episode.

The information discussed in this podcast is for educational purposes only and should not be considered personalized financial, tax, or legal advice. Investing involves risk, including the possible loss of principal. Please consult a qualified professional regarding your individual circumstances.

For years, much of the S&P 500 growth has been attributed to a handful of companies in a couple of sectors. But recent outlooks question how long the tech and AI growth can last. Does betting on their continued dominance still make sense?

We've all heard of these investment vehicles: mutual funds, exchange traded funds (ETFs) and separately managed accounts (SMAs). But what do these acronyms mean?

How can we best use them in different account types to help build a portfolio and retirement plan that makes sense for you?

Find out today on the Simplicity Wealth Blueprint Show.

Ready to take the next step?

If today’s episode sparked questions about your own retirement, we’re here to help.

Schedule a complimentary, no-obligation consultation with our team.

Visit www.SimplicityWealth.com/Columbus-Ohio

Or give us a call at (614) 917-1040

The Retirement Blueprint Show airs every Friday at 4 PM and Saturday at 12 PM on 98.9 FM The Answer. You can also subscribe to the podcast so you never miss an episode.

The information discussed in this podcast is for educational purposes only and should not be considered personalized financial, tax, or legal advice. Investing involves risk, including the possible loss of principal. Please consult a qualified professional regarding your individual circumstances.

For years, the goal was simple: save, invest, and keep building.

As retirement gets closer, how does that change the goals?

The focus starts to shift:

How do you turn savings into reliable income?

How should taxes and withdrawals be managed?

Does your investment strategy still fit?

Josh and Logan also discuss the Fed, Jackson Hole, and why retirement decisions shouldn’t hinge on predicting the next move in interest rates.

Because getting to retirement is one thing. Knowing how to manage your money once you’re there is another.

Ready to take the next step?

If today’s episode sparked questions about your own retirement, we’re here to help.

Schedule a complimentary, no-obligation consultation with our team.

Visit www.SimplicityWealth.com/Columbus-Ohio

Or give us a call at (614) 917-1040

The Retirement Blueprint Show airs every Friday at 4 PM and Saturday at 12 PM on 98.9 FM The Answer. You can also subscribe to the podcast so you never miss an episode.

The information discussed in this podcast is for educational purposes only and should not be considered personalized financial, tax, or legal advice. Investing involves risk, including the possible loss of principal. Please consult a qualified professional regarding your individual circumstances.

A strong jobs report. A Fed governor makes a comment. Markets move. Suddenly everyone has an opinion about what it means for your retirement.

But the closer retirement gets, the bigger questions are often much more personal.

Can you actually retire?
Can you spend the money you spent decades saving?
And can you finally relax without worrying that one bad market, tax surprise, or unexpected expense could derail everything?

In this episode, Josh and Logan talk about why retirement requires more than money. They discuss the behavioral side of making the transition, why even well prepared retirees can struggle to spend, and how stress testing a retirement plan can help turn uncertainty into confidence.

Ready to take the next step?

If today’s episode sparked questions about your own retirement, we’re here to help. Schedule a complimentary, no obligation consultation with our team.

Visit www.SimplicityWealth.com/Columbus-Ohio

Or give us a call at (614) 917-1040

The Retirement Blueprint Show airs every Friday at 4 PM and Saturday at 12 PM on 98.9 FM The Answer. You can also subscribe to the podcast so you never miss an episode.

The information discussed in this podcast is for educational purposes only and should not be considered personalized financial, tax, or legal advice. Investing involves risk, including the possible loss of principal. Please consult a qualified professional regarding your individual circumstances.

Life insurance can serve an important purpose in retirement planning—but that doesn’t mean every policy belongs in every plan.

In this episode, Josh, Logan and Bruce discuss when life insurance may make sense for retirees, including potential uses for legacy planning, long-term care and tax-efficient wealth transfer.

They also cover some of the common mistakes they see: holding onto old policies that no longer fit, buying insurance before clearly defining the problem it needs to solve, and using cash-value life insurance while overlooking more traditional retirement savings opportunities.

The conversation also explores long-term care options, beneficiary planning and why even retirees who plan to spend most of their money still need to think about how any remaining assets will eventually pass on.

Life insurance can be a useful tool. The key is knowing what job you expect it to do.

Ready to take the next step?

If today’s episode sparked questions about your own retirement, we’re here to help.

Schedule a complimentary, no-obligation consultation with our team.

Visit www.SimplicityWealth.com/Columbus-Ohio

Or give us a call at (614) 917-1040.

The Retirement Blueprint Show airs every Friday at 4 PM and Saturday at 12 PM on 98.9 FM The Answer. You can also subscribe to the podcast so you never miss an episode.

There has never been more financial information available. The problem is figuring out what actually matters.

Headlines, market predictions, social media and everything in between can make it feel like every new piece of information demands a decision.

In this episode, Josh and Logan talk about why more information does not always lead to better decisions. They break down recency bias, loss aversion and the illusion of control, and explain why retirement planning often comes down to separating useful information from noise and building a plan that does not depend on reacting to every headline.

Ready to take the next step?

If today’s episode sparked questions about your own retirement, we’re here to help. Schedule a complimentary, no obligation consultation with our team.

Visit www.SimplicityWealth.com/Columbus-Ohio

Or give us a call at (614) 917-1040

The Retirement Blueprint Show airs every Friday at 4 PM and Saturday at 12 PM on 98.9 FM The Answer. You can also subscribe to the podcast so you never miss an episode.

The information discussed in this podcast is for educational purposes only and should not be considered personalized financial, tax, or legal advice. Investing involves risk, including the possible loss of principal. Please consult a qualified professional regarding your individual circumstances.

A strong jobs report. A Fed governor makes a comment. Markets move. Suddenly everyone has an opinion about what it means for your retirement.

But the closer retirement gets, the bigger questions are often much more personal.

Can you actually retire?
Can you spend the money you spent decades saving?
And can you finally relax without worrying that one bad market, tax surprise, or unexpected expense could derail everything?

In this episode, Josh and Logan talk about why retirement requires more than money. They discuss the behavioral side of making the transition, why even well prepared retirees can struggle to spend, and how stress testing a retirement plan can help turn uncertainty into confidence.

Ready to take the next step?

If today’s episode sparked questions about your own retirement, we’re here to help. Schedule a complimentary, no obligation consultation with our team.

Visit www.SimplicityWealth.com/Columbus-Ohio

Or give us a call at (614) 917-1040

The Retirement Blueprint Show airs every Friday at 4 PM and Saturday at 12 PM on 98.9 FM The Answer. You can also subscribe to the podcast so you never miss an episode.

The information discussed in this podcast is for educational purposes only and should not be considered personalized financial, tax, or legal advice. Investing involves risk, including the possible loss of principal. Please consult a qualified professional regarding your individual circumstances.

For years, the goal was simple: save, invest, and keep building.

As retirement gets closer, how does that change the goals?

The focus starts to shift:

How do you turn savings into reliable income?

How should taxes and withdrawals be managed?

Does your investment strategy still fit?

Josh and Logan also discuss the Fed, Jackson Hole, and why retirement decisions shouldn’t hinge on predicting the next move in interest rates.

Because getting to retirement is one thing. Knowing how to manage your money once you’re there is another.

Ready to take the next step?

If today’s episode sparked questions about your own retirement, we’re here to help.

Schedule a complimentary, no-obligation consultation with our team.

Visit www.SimplicityWealth.com/Columbus-Ohio

Or give us a call at (614) 917-1040

The Retirement Blueprint Show airs every Friday at 4 PM and Saturday at 12 PM on 98.9 FM The Answer. You can also subscribe to the podcast so you never miss an episode.

The information discussed in this podcast is for educational purposes only and should not be considered personalized financial, tax, or legal advice. Investing involves risk, including the possible loss of principal. Please consult a qualified professional regarding your individual circumstances.

You can be a good saver and still make costly mistakes when it comes to retirement.

In this episode, Josh and Logan break down five common retirement mistakes even good savers make. 

The challenge is that retirement is no longer just about building wealth. It’s about turning what you’ve built into a plan that can actually work to support your retirement needs, as well as your goals.

Ready to take the next step?

If today’s episode sparked questions about your own retirement, we’re here to help.
Schedule a complimentary, no-obligation consultation with our team.

Visit www.SimplicityWealth.com/Columbus-Ohio

Or give us a call at (614) 917-1040

The Retirement Blueprint Show airs every Friday at 4 PM and Saturday at 12 PM on 98.9 FM The Answer. You can also subscribe to the podcast so you never miss an episode.

The information discussed in this podcast is for educational purposes only and should not be considered personalized financial, tax, or legal advice. Investing involves risk, including the possible loss of principal. Please consult a qualified professional regarding your individual circumstances.

Passing wealth to the next generation involves more than deciding who gets what. The way your home, retirement accounts and other assets are structured can affect taxes, long-term care costs, probate and even family relationships.

In this episode, Josh, Logan and Bruce discuss how to think about wealth transfer before it becomes urgent. They cover whether paying off your home before retirement makes sense, how long-term care can put assets at risk, where trusts may fit, why beneficiary designations matter, and how to avoid using expensive planning tools when a simpler solution may work.

They also explore one of the most overlooked parts of legacy planning: communication. How much should your children know? Should every heir be treated exactly the same? And how can you make your wishes clear now so your family isn’t left trying to figure them out later?

The goal isn’t simply to leave money behind. It’s to create a plan that protects what you’ve built and transfers it in the way you actually intend.

Ready to take the next step?

If today’s episode sparked questions about your own retirement, we’re here to help.

Schedule a complimentary, no-obligation consultation with our team.

Visit www.SimplicityWealth.com/Columbus-Ohio
Or give us a call at (614) 917-1040

The Retirement Blueprint Show airs every Friday at 4 PM and Saturday at 12 PM on 98.9 FM The Answer. You can also subscribe to the podcast so you never miss an episode.

The information discussed in this podcast is for educational purposes only and should not be considered personalized financial, tax, or legal advice. Investing involves risk, including the possible loss of principal. Please consult a qualified professional regarding your individual circumstances.

U.S. debt has climbed past $40 trillion, while concerns around the Japanese yen and Japan’s massive holdings of U.S. Treasuries are raising bigger questions about interest rates, markets and the global economy.

In this episode, Josh, Logan and Bruce break down why Japan matters to U.S. investors, how Treasury demand can affect borrowing costs, and what rising debt could mean for retirees.

Then, they turn to Social Security and retirement planning—why rules of thumb like “take it at 62” or “wait until 70” can miss the bigger picture, and why taxes, income needs, withdrawals and account types all need to work together.

The takeaway? Retirement decisions rarely happen in isolation.

A strong plan connects the moving pieces instead of relying on a single headline, investment strategy or rule of thumb.

Ready to take the next step?

If today’s episode sparked questions about your own retirement, we’re here to help.

Schedule a complimentary, no-obligation consultation with our team.

Visit www.SimplicityWealth.com/Columbus-Ohio

Or give us a call at (614) 917-1040

The Retirement Blueprint Show airs every Friday at 4 PM and Saturday at 12 PM on 98.9 FM The Answer. You can also subscribe to the podcast so you never miss an episode.

The information discussed in this podcast is for educational purposes only and should not be considered personalized financial, tax, or legal advice. Investing involves risk, including the possible loss of principal. Please consult a qualified professional regarding your individual circumstances.

For years, much of the S&P 500 growth has been attributed to a handful of companies in a couple of sectors. But recent outlooks question how long the tech and AI growth can last. Does betting on their continued dominance still make sense?

We've all heard of these investment vehicles: mutual funds, exchange traded funds (ETFs) and separately managed accounts (SMAs). But what do these acronyms mean?

How can we best use them in different account types to help build a portfolio and retirement plan that makes sense for you?

Find out today on the Simplicity Wealth Blueprint Show.

Ready to take the next step?

If today’s episode sparked questions about your own retirement, we’re here to help.

Schedule a complimentary, no-obligation consultation with our team.

Visit www.SimplicityWealth.com/Columbus-Ohio

Or give us a call at (614) 917-1040

The Retirement Blueprint Show airs every Friday at 4 PM and Saturday at 12 PM on 98.9 FM The Answer. You can also subscribe to the podcast so you never miss an episode.

The information discussed in this podcast is for educational purposes only and should not be considered personalized financial, tax, or legal advice. Investing involves risk, including the possible loss of principal. Please consult a qualified professional regarding your individual circumstances.

Interest rates can affect everything from borrowing costs to bond values and retirement income. But even investments considered “safe” can create challenges if rates change or income ends sooner than expected.

Social Security also comes with more decisions than many people realize. When should you claim? How could working, taxes or future benefit changes affect what you receive?

And once required minimum distributions begin, could they also increase the taxes on your Social Security or raise your Medicare premiums?

Find out today on the Simplicity Wealth Blueprint Show.

Ready to take the next step?

If today’s episode sparked questions about your own retirement, we’re here to help.

Schedule a complimentary, no-obligation consultation with our team.

Visit www.SimplicityWealth.com/Columbus-Ohio

Or give us a call at (614) 917-1040

The Retirement Blueprint Show airs every Friday at 4 PM and Saturday at 12 PM on 98.9 FM The Answer. You can also subscribe to the podcast so you never miss an episode.

The information discussed in this podcast is for educational purposes only and should not be considered personalized financial, tax, or legal advice. Investing involves risk, including the possible loss of principal. Please consult a qualified professional regarding your individual circumstances.

Life insurance can serve an important purpose in retirement planning—but that doesn’t mean every policy belongs in every plan.

In this episode, Josh, Logan and Bruce discuss when life insurance may make sense for retirees, including potential uses for legacy planning, long-term care and tax-efficient wealth transfer.

They also cover some of the common mistakes they see: holding onto old policies that no longer fit, buying insurance before clearly defining the problem it needs to solve, and using cash-value life insurance while overlooking more traditional retirement savings opportunities.

The conversation also explores long-term care options, beneficiary planning and why even retirees who plan to spend most of their money still need to think about how any remaining assets will eventually pass on.

Life insurance can be a useful tool. The key is knowing what job you expect it to do.

Ready to take the next step?

If today’s episode sparked questions about your own retirement, we’re here to help.

Schedule a complimentary, no-obligation consultation with our team.

Visit www.SimplicityWealth.com/Columbus-Ohio

Or give us a call at (614) 917-1040.

The Retirement Blueprint Show airs every Friday at 4 PM and Saturday at 12 PM on 98.9 FM The Answer. You can also subscribe to the podcast so you never miss an episode.

Market headlines can change by the hour. Jobs reports, interest rates, earnings, AI and geopolitical news can all move stocks in the short term.

But one of the biggest risks to a retirement plan is much quieter: inflation.

In this episode, Josh, Logan and Bruce discuss why reacting to daily market swings can lead investors off course, why a rising S&P 500 doesn’t always tell the full story, and why retirement planning has to account for more than just investment returns.

They also look at how inflation can slowly reduce the purchasing power of pensions and other fixed income sources, and why retirees may need a mix of predictable income, growth and inflation protection to help their money last.

The goal isn’t to predict every market move. It’s to build a retirement plan that can withstand them.

Ready to take the next step?

If today’s episode sparked questions about your own retirement, we’re here to help.

Schedule a complimentary, no-obligation consultation with our team.

Visit www.SimplicityWealth.com/Columbus-Ohio

Or give us a call at (614) 917-1040.

The Retirement Blueprint Show airs every Friday at 4 PM and Saturday at 12 PM on 98.9 FM The Answer. You can also subscribe to the podcast so you never miss an episode.