On this episode of Retirement Your Way with AmeriLife of Central Florida, Bradley Hardin and co-host Matt McClure break down what it really means to build a results-in-advance retirement plan—a plan built on clarity, guarantees, and confidence.

Instead of relying on “hoping the market cooperates,” this episode focuses on strategies that can help retirees:

• Reduce unnecessary taxes
• Eliminate hidden portfolio fees
• Create predictable, guaranteed income they can’t outlive

Bradley explains the three key steps behind results-in-advance planning, including tax-efficient strategies like Roth conversions, identifying fee drag inside investment portfolios, and using tools such as fixed indexed annuities to create personal pensions.

The show also covers an important new rule affecting 401(k) catch-up contributions for higher earners, plus common retirement red flags to avoid as you approach the finish line.

If you’re nearing retirement and want more certainty—not more speculation—this episode delivers practical insights designed to help you retire your way.

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Schedule your complimentary consultation today:
386-320-6406
PlanRetirementYourWay.com

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About the Hosts:
Bradley serves as an Investment Advisor Representative and Registered Social Security Analyst. Madison is a licensed life and health insurance agent and also a Registered Social Security Analyst.

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and AmeriLife are separate companies but are affiliated through common ownership. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents. Not affiliated with the United States government. Bradley and Madison Hardin do not offer tax or legal advice. Consult with your tax advisor or attorney regarding specific situations. Opinions expressed are subject to change without notice. These opinions are not intended to predict future performance of any product. All information provided is believed to be from reliable sources. However, we make no representation or warranty as to the accuracy of any statement. This information is intended to be educational in nature and does not provide a guarantee or a specific result. All copyrights and trademarks are the property of their respective owners. AmeriLife assumes no responsibility or liability for the content of this message. The information contained herein is provided on an as-is basis with no guarantees of completeness, accuracy, usefulness, timeliness, or the results obtained from the use of this information.

Market volatility, election-year uncertainty, and constant headlines can make retirement planning feel overwhelming — especially when you’re close to making the transition from saving to spending.

On this episode of Retirement Your Way, Bradley Hardin of AmeriLife of Central Florida is joined by co-host Matt McClure for an in-depth conversation about how pre-retirees and retirees can build predictable, reliable income even when the markets are anything but predictable.

Bradley breaks down why volatility affects retirees differently than younger investors, how emotional investing can quietly erode long-term results, and why having a solid income foundation matters more than chasing returns.

If you’re approaching retirement or already there and wondering whether your plan is built to last, this episode will help you think differently about income, risk, and peace of mind.

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Schedule your complimentary consultation today:
386-320-6406
PlanRetirementYourWay.com

--

About the Hosts:
Bradley serves as an Investment Advisor Representative and Registered Social Security Analyst. Madison is a licensed life and health insurance agent and also a Registered Social Security Analyst.

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and AmeriLife are separate companies but are affiliated through common ownership. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents. Not affiliated with the United States government. Bradley and Madison Hardin do not offer tax or legal advice. Consult with your tax advisor or attorney regarding specific situations. Opinions expressed are subject to change without notice. These opinions are not intended to predict future performance of any product. All information provided is believed to be from reliable sources. However, we make no representation or warranty as to the accuracy of any statement. This information is intended to be educational in nature and does not provide a guarantee or a specific result. All copyrights and trademarks are the property of their respective owners. AmeriLife assumes no responsibility or liability for the content of this message. The information contained herein is provided on an as-is basis with no guarantees of completeness, accuracy, usefulness, timeliness, or the results obtained from the use of this information.

In this episode of Retirement Your Way, Bradley Hardin and Matt McClure dive into the upcoming Social Security changes for 2026, including cost-of-living adjustments, higher taxable wage limits, Medicare premium increases, and a brand-new tax deduction for seniors. They break down how these changes impact retirees, pre-retirees, and workers still paying into the system—and why many of these updates may mean less income in your pocket than expected.

Bradley and Matt also explore one of the biggest questions listeners have: “Can I trust that Social Security will still be there for me?” Their answer: yes, but not necessarily at today’s benefit levels. And that means every retiree must build a plan that can stand on its own two feet—Social Security should be the cherry on top, not the whole sundae.

The episode continues with strategies for budgeting during the holidays, preparing for market volatility, managing sequence-of-returns risk, and creating guaranteed lifetime income through personal pensions like fixed indexed annuities. Matt and Bradley also issue an urgent reminder for anyone age 73 or older: RMDs must be taken before December 31, with no exceptions.

Packed with practical action steps, retirement income insight, and truly listener-friendly explanations, this episode helps you begin 2026 with clarity and confidence.

Schedule your complimentary consultation today:
(386) 977-9684
PlanRetirementYourWay.com

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About the Hosts:
Bradley serves as an Investment Advisor Representative and Registered Social Security Analyst. Madison is a licensed life and health insurance agent and also a Registered Social Security Analyst.

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and AmeriLife are separate companies but are affiliated through common ownership. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents. Not affiliated with the United States government. Bradley and Madison Hardin do not offer tax or legal advice. Consult with your tax advisor or attorney regarding specific situations. Opinions expressed are subject to change without notice. These opinions are not intended to predict future performance of any product. All information provided is believed to be from reliable sources. However, we make no representation or warranty as to the accuracy of any statement. This information is intended to be educational in nature and does not provide a guarantee or a specific result. All copyrights and trademarks are the property of their respective owners. AmeriLife assumes no responsibility or liability for the content of this message. The information contained herein is provided on an as-is basis with no guarantees of completeness, accuracy, usefulness, timeliness, or the results obtained from the use of this information.

Your first year of retirement is exciting—but it can also feel overwhelming. In this episode, Matt McClure and advisor Bradley Hardin break down the five biggest adjustments retirees face, including emotional challenges, healthcare surprises, lifestyle shifts, tax complexity, and why spending often increases after you leave the workforce.

Bradley also explains why having a SMART vision for retirement matters, what goes into a SMART inspection of your financial accounts, and how market volatility and sequence-of-returns risk can impact retirees more than they realize.

Whether you’re months away from retirement or already navigating those first twelve months, this episode will help you build confidence, stay flexible, and create a plan that supports the lifestyle you’ve earned.

Schedule your complimentary consultation today:
(386) 977-9684
PlanRetirementYourWay.com

--

About the Hosts:
Bradley serves as an Investment Advisor Representative and Registered Social Security Analyst. Madison is a licensed life and health insurance agent and also a Registered Social Security Analyst.

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and AmeriLife are separate companies but are affiliated through common ownership. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents. Not affiliated with the United States government. Bradley and Madison Hardin do not offer tax or legal advice. Consult with your tax advisor or attorney regarding specific situations. Opinions expressed are subject to change without notice. These opinions are not intended to predict future performance of any product. All information provided is believed to be from reliable sources. However, we make no representation or warranty as to the accuracy of any statement. This information is intended to be educational in nature and does not provide a guarantee or a specific result. All copyrights and trademarks are the property of their respective owners. AmeriLife assumes no responsibility or liability for the content of this message. The information contained herein is provided on an as-is basis with no guarantees of completeness, accuracy, usefulness, timeliness, or the results obtained from the use of this information.

In this interview, Retirement.Radio’s Matt McClure speaks with Mary Hines Droesch, head of consumer and small business products at Bank of America, about holiday shopping trends. A major focus is how inflation and tariffs influence consumer behavior. The discussion also explores how dupe culture is emerging as a popular trend among younger generations who seek affordable alternatives to high-end branded items, while highlighting generational differences in gift-giving preferences and shopping habits. Mary emphasizes practical strategies for managing holiday expenses, including budgeting, using rewards cards, and taking advantage of bulk purchasing opportunities to maximize value during the holiday season.

Schedule your complimentary consultation today:
(386) 977-9684
PlanRetirementYourWay.com

--

About the Hosts:
Bradley serves as an Investment Advisor Representative and Registered Social Security Analyst. Madison is a licensed life and health insurance agent and also a Registered Social Security Analyst.

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and AmeriLife are separate companies but are affiliated through common ownership. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents. Not affiliated with the United States government. Bradley and Madison Hardin do not offer tax or legal advice. Consult with your tax advisor or attorney regarding specific situations. Opinions expressed are subject to change without notice. These opinions are not intended to predict future performance of any product. All information provided is believed to be from reliable sources. However, we make no representation or warranty as to the accuracy of any statement. This information is intended to be educational in nature and does not provide a guarantee or a specific result. All copyrights and trademarks are the property of their respective owners. AmeriLife assumes no responsibility or liability for the content of this message. The information contained herein is provided on an as-is basis with no guarantees of completeness, accuracy, usefulness, timeliness, or the results obtained from the use of this information.

• (00:00:00) - Holiday Spending Up a Mile
• (00:00:47) - Holiday Shopping Forecast
• (00:01:52) - What Is The Dupe Culture?
• (00:03:40) - Are Generations More Likely to Hold On to Holiday Spending Trends?
• (00:05:13) - How to Manage Your Spending This Holiday Season
• (00:06:09) - Holiday Spending With a Reward Card
• (00:06:47) - Mary Hines Drosch on Small Business

As the calendar gets ready to flip, Bradley Hardin and co-host Matt McClure walk listeners through a timely year-end checklist to ensure their retirement plan stays on track heading into 2026.

This episode of Retirement Your Way focuses on fall financial cleaning—the essential review, reassessment, and rebalancing steps retirees and pre-retirees should take before the new year. Bradley breaks down how to determine whether you should rebalance your investment accounts or stay the course, why year-end performance data is so important, and what questions you should be asking your financial advisor right now.

Bradley and Matt also discuss the importance of checking and updating beneficiary designations, avoiding costly mistakes that could send assets to the wrong person, and simplifying your finances by consolidating accounts for clarity and confidence.

Whether you're in the retirement red zone or deep into your golden years, this episode gives you the tools, questions, and strategies to enter 2026 with a clean, organized, and intentional financial plan.

Schedule your complimentary consultation today:
(386) 977-9684
PlanRetirementYourWay.com

--

About the Hosts:
Bradley serves as an Investment Advisor Representative and Registered Social Security Analyst. Madison is a licensed life and health insurance agent and also a Registered Social Security Analyst.

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and AmeriLife are separate companies but are affiliated through common ownership. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents. Not affiliated with the United States government. Bradley and Madison Hardin do not offer tax or legal advice. Consult with your tax advisor or attorney regarding specific situations. Opinions expressed are subject to change without notice. These opinions are not intended to predict future performance of any product. All information provided is believed to be from reliable sources. However, we make no representation or warranty as to the accuracy of any statement. This information is intended to be educational in nature and does not provide a guarantee or a specific result. All copyrights and trademarks are the property of their respective owners. AmeriLife assumes no responsibility or liability for the content of this message. The information contained herein is provided on an as-is basis with no guarantees of completeness, accuracy, usefulness, timeliness, or the results obtained from the use of this information.

• (00:00:00) - Retirement Your Way
• (00:01:11) - Plan Retirement Your Way
• (00:03:47) - The Year End Review for Retired Clients
• (00:05:20) - Retirement: A Chance to Reinvent Yourself
• (00:06:44) - Should I Rebalance or Stay the Course?
• (00:11:12) - 3 Questions To Ask Your Advisor Before Rebalancing
• (00:12:59) - Rebalancing Your Portfolio at End of the Year
• (00:17:27) - 3 Rules for Retirement Plans, Life Insurance and Estate Planning
• (00:23:33) - How to Clean Up Your Retirement Plans

In this episode, Bradley Hardin breaks down the real reason so many retirement plans fall apart: poor communication. Whether it’s with your spouse, your advisor, or your loved ones who will one day help carry out your wishes, silence can be expensive. Bradley and co-host Matt McClure explore how miscommunication leads to missed deadlines, incorrect beneficiaries, avoidable tax surprises, and emotional stress—and what every family can do to fix it. Learn practical tools like monthly money dates, annual reviews, and how to talk about caregiving, risk, and long-term goals without conflict.

Build a retirement plan that everyone understands—and one you can confidently call Retirement Your Way.

Schedule your complimentary consultation today:
(386) 977-9684
PlanRetirementYourWay.com

--

About the Hosts:
Bradley serves as an Investment Advisor Representative and Registered Social Security Analyst. Madison is a licensed life and health insurance agent and also a Registered Social Security Analyst.

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and AmeriLife are separate companies but are affiliated through common ownership. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents. Not affiliated with the United States government. Bradley and Madison Hardin do not offer tax or legal advice. Consult with your tax advisor or attorney regarding specific situations. Opinions expressed are subject to change without notice. These opinions are not intended to predict future performance of any product. All information provided is believed to be from reliable sources. However, we make no representation or warranty as to the accuracy of any statement. This information is intended to be educational in nature and does not provide a guarantee or a specific result. All copyrights and trademarks are the property of their respective owners. AmeriLife assumes no responsibility or liability for the content of this message. The information contained herein is provided on an as-is basis with no guarantees of completeness, accuracy, usefulness, timeliness, or the results obtained from the use of this information.

• (00:00:00) - Retirement Your Way
• (00:01:12) - Retirement Your Way
• (00:02:40) - Plan Retirement Your Way
• (00:04:07) - Why Communication Matters in Your
• (00:05:07) - Financial Wisdom
• (00:06:08) - Why Communication Matters in Retirement Plans
• (00:11:53) - Why Do Married Couples Struggle to Talk About Money?
• (00:17:06) - Better Family Communication on Money
• (00:22:39) - Communication with Your Financial Advisor
• (00:26:52) - Plan Your Retirement Your Way

The clock is ticking — and the end of the year is one of the most critical times for retirees and pre-retirees to make smart financial moves. In this episode of Retirement Your Way with AmeriLife of Central Florida, Bradley Hardin joins Matt McClure to break down the essential year-end planning checklist that could save you money, reduce your taxes, and start 2026 on the right financial foot.

From Roth conversions and required minimum distributions (RMDs) to charitable giving strategies that warm your heart and lower your tax bill, Bradley explains how all these pieces fit together — and why syncing your plan matters more than ever.

The team also discusses avoiding Medicare premium surprises, how market dips can create Roth conversion opportunities, and why December deadlines are non-negotiable if you want to avoid costly penalties.

Whether you’re nearing retirement or already there, this episode will help you make confident, coordinated financial moves before the ball drops on 2025.

Schedule your complimentary consultation today:
(386) 977-9684
PlanRetirementYourWay.com

--

About the Hosts:
Bradley serves as an Investment Advisor Representative and Registered Social Security Analyst. Madison is a licensed life and health insurance agent and also a Registered Social Security Analyst.

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and AmeriLife are separate companies but are affiliated through common ownership. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents. Not affiliated with the United States government. Bradley and Madison Hardin do not offer tax or legal advice. Consult with your tax advisor or attorney regarding specific situations. Opinions expressed are subject to change without notice. These opinions are not intended to predict future performance of any product. All information provided is believed to be from reliable sources. However, we make no representation or warranty as to the accuracy of any statement. This information is intended to be educational in nature and does not provide a guarantee or a specific result. All copyrights and trademarks are the property of their respective owners. AmeriLife assumes no responsibility or liability for the content of this message. The information contained herein is provided on an as-is basis with no guarantees of completeness, accuracy, usefulness, timeliness, or the results obtained from the use of this information.