We connect a household junk drawer to the way many people unintentionally build their finances through forgotten accounts, outdated paperwork, and autopay clutter. We share a simple “keep, toss, or consolidate” framework so you can sort old retirement plans, insurance policies, HSAs, and inherited accounts with more confidence.
• the financial junk drawer problem and why it becomes your default financial plan
• old 401k and employer plan leftovers and when consolidation makes sense
• company stock in a 401k and why NUA and other rules can change the answer
• forgotten HSAs and how fees, cash levels, and investments affect the strategy
• outdated beneficiaries, old wills, and the real-world risks of not updating
• inherited IRA rules after the SECURE Act and why you should pause before moving anything
• annuities you have owned for years and how to evaluate features like income riders
• automatic payment graveyard and subscription sprawl that quietly drains cash flow
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Disclosure: Information contained in this podcast is for entertainment and informational purposes only, and should not be considered as financial advice. Financial Planning and Advisory Services are offered through Prosperity Capital Advisors (“PCA”), an SEC registered investment adviser. Registration as an investment adviser does not imply a certain level of skill or training. Keystone Financial Group and PCA are separate, non- affiliated entities. PCA does not provide tax or legal advice.