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Make It Personal Podcast

Make It Personal Podcast

De : Mutual of Omaha Advisors
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Disclosure: This podcast is for educational purposes only. Strategies discussed may not be suitable for everyone. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC (www.finra.org) /SIPC (www.sipc.org). This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Not all Mutual of Omaha Financial Representatives are Financial Advisors. https://makeitpersonalpodcast.com/get-a-quoteMutual of Omaha Advisors Economie Finances privées
Épisodes
  • Why Tax Strategy Is the New Financial Planning | EP 95

    Why Tax Strategy Is the New Financial Planning | EP 95
    Oct 29 2026
    Most people think tax planning happens when they file a return. By then, the biggest opportunities may already be gone. In Episode 95 of Make It Personal, we explain why proactive tax strategy, not once-a-year tax preparation, should be part of every major financial planning decision.We explore how retirement withdrawals, Roth conversions, pre-tax versus Roth contributions, required minimum distributions, Social Security timing, investment sales, charitable giving, and tax withholding can change what you keep over time. You’ll hear how the order of retirement account withdrawals can produce very different tax outcomes, why early retirement may offer a valuable low-income planning window, and how waiting until tax season can leave you with fewer choices.I also share a personal lesson from filing our 2025 federal tax return. Even though our income and overall situation had not changed much, lower withholding left us owing thousands more than expected. That surprise reinforced a simple truth: tax filing reports the past, but tax strategy helps shape the future.This episode is for retirees, pre-retirees, investors, business owners, and families who want to reduce avoidable tax surprises and make smarter financial decisions throughout the year.What You’ll Learn:→ Tax filing versus tax strategy: Why preparing an accurate return is not the same as proactively managing your future tax exposure.→ Retirement withdrawal order: How choosing between taxable, pre-tax, and Roth accounts can affect lifetime taxes, Social Security taxation, and future income.→ The early-retirement tax window: Why the years before Social Security and required distributions may create opportunities for Roth conversions and strategic withdrawals.→ The danger of tax decisions by default: How contribution choices, investment sales, charitable giving, bonuses, and withholding can create unexpected consequences later.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.
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    6 min
  • She Inherited $1 Million. Then Everything Changed | EP 94

    She Inherited $1 Million. Then Everything Changed | EP 94
    Oct 22 2026
    What happens when you inherit $1 million but don't know what to do next? For one woman, a simple life insurance beneficiary change opened the door to a bigger conversation about retirement planning, financial security, inheritance planning, and protecting her family's future.In this episode of Make It Personal, host Mark welcomes Catherine Damron of Mutual of Omaha Advisors to share the story of Laura, a recently widowed mother, grandmother, and business owner who was navigating major financial decisions after losing her husband and mother.Laura had received a $1 million inheritance, but she wasn't sure how to make that money work for her retirement, her children, or future generations. She also had old 401(k) accounts, existing investments, and concerns about long-term care expenses after experiencing her mother's care needs firsthand.Through conversations with her financial advisor and attorneys, Laura explored annuity strategies, life insurance, retirement income planning, long-term care protection, and beneficiary updates. What began as a routine paperwork request developed into a coordinated financial plan designed around her goals.If you're managing an inheritance, preparing for retirement, navigating life after losing a spouse, or wondering how to protect your family's financial future, this real-life story offers valuable perspective on why financial clarity matters.What You'll Learn:→ How to approach a $1 million inheritance: Discover how Laura explored allocating half of her inheritance into a growth annuity, with the intention of later transitioning toward retirement income, while working with her financial and legal professionals.→ Why beneficiary reviews matter after major life changes: Learn how a simple life insurance beneficiary update became an opportunity to review Laura's broader financial picture, including her children, grandchildren, and legacy planning goals.→ How life insurance and long-term care planning can work together: Hear why Laura explored an indexed universal life insurance policy with long-term care benefits after witnessing the financial and emotional impact of her mother's care experience.→ Why financial clarity can be as important as financial assets: See how reviewing inherited money, old 401(k)s, retirement goals, business interests, and family protection helped Laura move from uncertainty toward greater peace of mind.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.
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    10 min
  • Think Like a CFO: Give Every Dollar a Job | EP 93

    Think Like a CFO: Give Every Dollar a Job | EP 93
    Oct 15 2026
    Every dollar in your financial plan should have a job. Some money should pursue long-term growth. Some should remain accessible for emergencies and opportunities. Some should protect your family, and some should provide flexibility when life or financial markets change.In Episode 93 of Make It Personal, Mark Zagurski explains how to approach personal finance like a Chief Financial Officer. A successful CFO does not place every company dollar into the same strategy or judge every financial decision only by its potential return. Instead, they evaluate cash flow, liquidity, risk, growth, protection, and the need to preserve future options.That same CFO mindset can help individuals and families build a more intentional financial plan. Mark also explores where cash value life insurance may fit into that conversation. Life insurance is not designed to replace a stock portfolio, retirement account, or traditional investment. Its primary purpose is protection. Certain policies may also accumulate cash value that can provide an additional source of control, flexibility, or support for future goals.This episode is for anyone wondering whether every financial tool must compete for the highest return, or whether the better question is what specific problem each dollar is meant to solve.What You’ll Learn:→ You’ll learn how a CFO balances growth, cash flow, liquidity, risk, and financial flexibility instead of treating every dollar the same.→ You’ll understand why life insurance should not be evaluated as though it were a stock, retirement account, or traditional investment.→ You’ll discover how certain life insurance policies may build cash value and potentially provide another source of flexibility, access, or legacy planning.→ You’ll learn why costs, commitments, policy rules, and personal goals must be reviewed before deciding whether cash value life insurance has a role in your plan.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.
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    5 min
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