Fee compression is reshaping how advisors think about their value. This episode draws on high-impact conversations from The Bucket Plan On-Demand and Rainmaker Multiplier On-Demand, all centered on one shift: moving from tax preparation to lifetime-focused tax management. If fee pressure is a challenge you’re navigating, this episode offers a practical framework for reframing those conversations with clients.

Resources & Statistics

Resources Mentioned

• Ed Slott’s two-day IRA workshop
• The Tax Management Journey®

In this best-of compilation, Tom Lambotte, Dave Alison, Geoff Woods, and Prosperity Capital Advisors’ own compliance team share practical AI integration strategies from four recent episodes, covering prompt engineering, compliance guardrails, and firm-wide implementation. If you’ve been consuming AI content without applying it, this is where to start.

Resources Mentioned

• The AI Driven Leader book by Geoff Woods:
• AI Leadership website: aileadership.com

Many of your clients have enough money to live the retirement they planned, but they're not spending it. Join host Dave Alison, CFP®, EA, BPC, President and Founding Partner at Prosperity Capital Advisors, as he sits down with economist and retirement income specialist, Tom Hegna. Together they walk through what the research shows about guaranteed lifetime income, the "just in case" mindset and what it costs clients in their retirement years, and how to frame that conversation in a way that lands.

Resources:

• Website referenced: Tom Hegna On Demand
• Books referenced: Don't Worry, Retire Happy and Paychecks and Playchecks by Tom Hegna

Statistics:

• Retirees with annuitized income spend twice as much as those with non-annuitized savings
• Fixed indexed annuities have outperformed bonds on an annualized basis for the past 90 years
• The efficient retirement portfolio frontier shifts from stocks and bonds to stocks and annuities
• Annuities can increase happiness in retirement
• The secret to a happier retirement is friends, neighbors, and a fixed annuity."
• Ernst & Young: The optimal retirement portfolio is approximately 30% income annuities, 30% permanent life insurance, and 40% investments.
• BlackRock: Retirees should hold 20–40% of their retirement portfolio in annuities.
• Goldman Sachs: Annuities can produce better returns than a stock or bond portfolio for lifetime income purposes.