In this episode of Retirement Done Right, David Rath and Pat Kalish sit down with Cole Craven, co-founder of Move Health, to break down the complexities of healthcare planning for retirees—from Medicare vs. marketplace options to tax-saving strategies for early retirees.

🔹 Key Topics Covered:
✅ Pre-65 Healthcare Options – Cobra, marketplace plans, short-term insurance & more
✅ Medicare Explained – Parts A, B, C (Advantage), D, and Medigap supplements
✅ Tax Strategies – How income impacts subsidies & premium tax credits
✅ Estate & Retirement Planning – Avoiding costly Medicare penalties & optimizing coverage
✅ Real Client Success Stories – How proactive planning unlocked early retirement

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Disclosure

The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status, or investment horizon. You should consult your attorney or tax advisor.

Continuum Wealth Advisors, LLC (“Continuum”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where Continuum and its representatives are properly licensed or exempt from licensure.

In this video, Continuum Group’s CPA Sarah Dorsey breaks down the proposed One Big Beautiful Bill Act and how it could impact your tax strategy, retirement savings, and financial future.

📌 Key Topics Covered:
✅ Potential tax bracket changes – Will rates stay low or increase after 2025?
✅ Estate & gift tax exemptions – How the new bill could affect wealth transfer strategies.
✅ Child tax credit & standard deduction updates – What families need to know.
✅ Business tax implications – Pass-through entity changes and new deductions.
✅ Roth conversion opportunities – Why now may be the best time to act.

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Disclosure

The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status, or investment horizon. You should consult your attorney or tax advisor.

Continuum Wealth Advisors, LLC (“Continuum”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where Continuum and its representatives are properly licensed or exempt from licensure.

Making the leap from accumulating wealth to spending it in retirement isn’t just a financial shift—it’s a psychological one. In this episode of Retirement Done Right, David and Pat explore what it takes to confidently transition from earning a paycheck to drawing income from your savings.

You’ll learn:

• The Mindset Shift: Why so many retirees struggle to spend—and how to break free from that scarcity mentality.
• Stable vs. Variable Income: How to cover your essential expenses with predictable sources like Social Security and pensions, so market volatility doesn’t derail your lifestyle.
• Tax-Smart Withdrawal Strategies: Discover how to sequence withdrawals from taxable, tax-deferred, and Roth accounts to minimize taxes, IRMAA surcharges, and Social Security taxation.
• The Bucket Strategy: David explains how dividing your assets into short-term, medium-term, and long-term buckets can provide stability, growth, and peace of mind.
• Dynamic Spending Models: Learn how spending naturally evolves through the "Go-Go," "Slow-Go," and "No-Go" years of retirement—and why flexibility is key to a sustainable plan.

Whether you’re on the cusp of retirement or already in it, this episode will help you make the most of what you’ve saved, without the fear of running out.

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Disclosure

The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status, or investment horizon. You should consult your attorney or tax advisor.

Continuum Wealth Advisors, LLC (“Continuum”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where Continuum and its representatives are properly licensed or exempt from licensure.

 In this episode, David and Pat break down the market chaos triggered by recent tariff announcements and explore how fear-driven headlines can wreak havoc on investor behavior. They dive into the emotional traps investors fall into, like recency bias and loss aversion, and share clear, actionable strategies to stay grounded. From tactical portfolio moves to behavioral finance insights, this episode is a playbook for turning market noise into opportunity. 

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Disclosure

The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status, or investment horizon. You should consult your attorney or tax advisor.

Continuum Wealth Advisors, LLC (“Continuum”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where Continuum and its representatives are properly licensed or exempt from licensure.

Most people approaching retirement have heard the usual advice: the 4% rule, the 25x rule, or the idea that you’ll only need 70–80% of your working income. 

But are these rules actually helpful or dangerously oversimplified?

In this episode of Retirement Done Right, David Rath and Pat Kalish take a deep dive into the myths and realities of projecting retirement income. They explore where common rules of thumb can lead people astray and offer a more personalized, flexible approach to planning. From “go-go” years to “no-go” years, healthcare costs, and tax strategies, they break down the key factors that influence how much income you’ll truly need.

You’ll also hear how mindset plays a bigger role than many expect and why giving yourself permission to spend confidently in retirement might be the most important move you make. 

Whether you’re five years from retirement or already in it, this episode will help you replace vague rules with actionable strategies tailored to your life.

Plus, Pat brings a chess analogy to the table...and David brings the receipts.

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Disclosure

The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status, or investment horizon. You should consult your attorney or tax advisor.

Continuum Wealth Advisors, LLC (“Continuum”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where Continuum and its representatives are properly licensed or exempt from licensure.

Estate planning is essential to ensuring your assets are distributed according to your wishes and your loved ones are protected. However, even the best intentions can go off track due to common mistakes. Here are four common estate planning mistakes to keep in mind when reviewing or preparing your estate plan.

1. Neglecting to Regularly Review Your Estate Plan

• Many people set up their estate plans with the right intentions but forget to regularly review their documents for accuracy. 
• Life changes and so should your estate plan. 
• Keep in mind that events such as marriage, divorce, births, and deaths all impact your estate plan. 
• Outdated plans can lead to unintended distributions and family tension. 
• Remember to review your estate plan every other year or after any major life event. 

2. Incorrect Asset Titling 

• Titling your financial assets is crucially important to set the foundation of a strong estate plan. 
• Keep in mind that beneficiary designations override your will, which could unintentionally bypass your intended plan. 
• Make sure to review your beneficiary designations alongside your estate documents to ensure that everything is aligned.

3. Naming a Trust as a Beneficiary Without Proper Planning

• Trusts can be a powerful tool in estate planning, but they require careful planning. 
• A common mistake is naming trust as the beneficiary of an IRA without understanding the potential implications to your heirs such as:
  • Higher tax rates
  • Loss of tax-deferred growth
• It is important to work with professionals who understand these nuances.

4. Conflicting Legal Documents

• Your will, trust, and beneficiary designations should work together in harmony, not against each other. 
• Confusion can lead to legal disputes and delays.
• A well-coordinated estate plan ensures all documents align to reflect your true intentions.

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The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status, or investment horizon. You should consult your attorney or tax advisor.

Continuum Wealth Advisors, LLC (“Continuum”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where Continuum and its representatives are properly licensed or exempt from licensure.