The Financial Harmonyâ„¢ Podcast
The Financial Harmony™ Podcast with Dr. Preston Cherry blends real financial strategy, retirement planning, and money psychology for people who want clarity without chaos. Hosted by Dr. Cherry, CFP®, Ph.D., and financial therapist, the show delivers grounded insights on investing, taxes, and aligning money with life.
Each week, Dr. Cherry shares clear, grounded insights on retirement planning, investing, tax strategy, and decision-making, alongside honest conversations about money behavior, identity, and well-being.
This show helps you reduce financial stress, make confident decisions, and align your money with the life you want to live. You’ll learn how to invest smarter, spend without guilt, and build wealth that reflects your values, not just your numbers.
No finance-bro energy.
No rage-based hot takes.
No performative advice.
Just calm authority, psychological insight, and real financial guidance for navigating markets, transitions, and life with intention.
Get 1:1 all-inclusive flat-fee financial planning, or go deeper through the Financial Harmonyâ„¢ Membership for group-based fiduciary guidance, education, workshops, and community.
Live your wealth, your way.
The Financial Harmonyâ„¢ Podcast
Most Retirees Are SHOCKED When They Learn This Social Security Tax Trap
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🚨$250k+ household income and $500k+ assets...? You’re ready for a personalized plan! Book your FREE retirement readiness call 👉 https://www.concurrentfp.com/
Want confidence that your retirement plan ACTUALLY works? Get it inside my Financial Harmony™ membership ($115/month) 👉 https://www.concurrentfp.com/financial-harmony-membership/
Take the Gen X Retirement Readiness Quiz...📊 https://concurrentfp.typeform.com/genx-scorecard
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Most Retirees Are SHOCKED When They Learn This Social Security Tax Trap
Up to 85% of your Social Security can be taxed - and it starts at just $32,000 of income for Gen X retirees.
In this video, Dr. Preston Cherry (CFP®, Ph.D., Top 10 Investopedia Advisor) explains how IRMAA, RMDs, and Social Security tax rules can blow up your retirement income plan - unless you coordinate ahead of time.
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This isn’t just about saving more - it’s about coordinating smarter.
What You’ll Learn in This Video 👇
✅ Why Social Security isn’t tax-free (for high-income Gen Xers)
✅ What IRMAA is — and how it quietly spikes your Medicare premiums
✅ How Required Minimum Distributions (RMDs) trigger a triple tax hit
✅ How to avoid the most common tax traps in early retirement
✅ The 3-step strategy to lower your lifetime tax bill (and stress)
✅ Smart withdrawal sequencing using Roths, brokerage, and QCDs
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Who Is This Video For?
📌 Gen X professionals (50s - early 60s) preparing for retirement
📌 Households earning $200k+ or holding $500k+ in retirement assets
📌 Couples unaware of IRMAA, RMD, and Social Security tax overlaps
📌 Anyone confused about how retirement income is actually taxed
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🚨 Gen X, older millennials & pre/early retirees, with $250k+ household income and $500k+ assets... Ready for a personalized plan? Book your FREE retirement readiness call 👉 https://www.concurrentfp.com/
Want clarity & control without $6K+ annual advisor fees? Join my Financial Harmony™ membership for $115/month 👉 https://www.concurrentfp.com/financial-harmony-membership/
Take the Gen X Retirement Readiness Quiz...📊 https://concurrentfp.typeform.com/genx-scorecard
👉 Subscribe for weekly, values-aligned wealth insights: @DrPrestonCherry
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