Couverture de The On-Track Retirement Show

The On-Track Retirement Show

The On-Track Retirement Show

De : Pat Schmidt & Jay Curatti
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 Hosted by Pat Schmidt and Jay Curatti of Lasting Mark Retirement Group, The On-Track Retirement Show delivers weekly insights on tax planning, retirement income, long-term care, and smart investing. Whether you're nearing retirement or refining your current plan, we give you the tools and confidence to pursue the retirement of your dreams. New episodes every Tuesday at 8:00 AM.© 2025 Lasting Mark Retirement Group. All rights reserved. Economie Finances privées
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  • Get Ahead With This 6-Part Retirement Framework

    Get Ahead With This 6-Part Retirement Framework
    May 12 2026
    Most people think retirement planning starts at 65…
    But what if the most important financial decisions actually happen before you ever get there?

    In this episode of the On-Track Retirement Show, we break down why age 60 might be the most financially dangerous window of your life—and how the 5 years leading up to retirement can determine whether you experience confidence… or uncertainty for decades to come.

    If you’ve been saving, investing, and doing “all the right things”… but still aren’t sure if you’re truly ready—this episode is for you.

    💡 WHAT YOU’LL LEARN:
    • Why the “Retirement Red Zone” (ages 60–65) is critical
    • The biggest mistakes people make before retirement
    • How to shift from saving → creating reliable income
    • Why taxes, healthcare, and fees can quietly derail your plan
    • The 6-part IMPACT framework every great retirement plan needs:
      • Income Plan
      • Market-Safe Strategy
      • Proactive Tax Plan
      • Asset Protection
      • Care Plan
      • Transparency
    ⚠️ THE REAL PROBLEM:

    You can do everything right for 30–40 years…
    …and still get the last 5 years wrong.

    That’s where most retirement plans fall apart.

    🧭 THE GOOD NEWS:

    With the right strategy, those final years can become a clear, confident transition—not a guessing game.

    👉 READY TO SEE WHERE YOU STAND?

    👉     Schedule your Complimentary On-Track Retirement Review:
    👉 https://www.myontrackretirement.com

    Get clarity, confidence, and a real plan—with no pressure.

    👍 DON’T FORGET:

    ✔️ Like this video
    ✔️ Subscribe for more retirement strategies
    ✔️ Share this with someone within 5 years of retirement

    Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com
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    33 min
  • Why Retirement Taxes SKYROCKET After Losing a Spouse

    Why Retirement Taxes SKYROCKET After Losing a Spouse
    May 5 2026
    What if nothing went wrong…
    …but your taxes still doubled?

    In this episode of the On-Track Retirement Show, we unpack one of the most overlooked—and uncomfortable—risks in retirement planning: the widow’s tax penalty.

    It’s not caused by bad investments.
    It’s not caused by poor planning.

    It happens when life changes—and your tax situation changes with it.

    “Her lifestyle didn’t change… but her taxes nearly doubled.”

    ⚠️ The Problem: A Hidden Tax Shock Waiting to Happen

    When one spouse passes away, your filing status shifts from married filing jointly → single filer.That one change can:
    • Compress your tax brackets
    • Increase your effective tax rate
    • Trigger higher Medicare premiums (IRMAA)
    • Force larger taxable withdrawals from retirement accounts
    And the worst part?
    👉 Most people don’t realize it until it’s already happening.

    🧭 What You’ll Learn in This Episode
    • The truth about the “widow’s penalty” (and why it’s so costly)
    • The difference between tax brackets vs. effective tax rate
    • How required minimum distributions (RMDs) can increase your tax burden
    • Why traditional IRAs and 401(k)s can become a tax trap
    • How the SECURE Act impacts your kids and beneficiaries
    • Strategies like Roth conversions to reduce long-term taxes
    • Why proactive tax planning can create generational impact
    💡 The Solution: Be Proactive, Not ReactiveYou can’t control what happens in life…
    but you can control how prepared you are.Smart retirement planning means:
    • Coordinating income, taxes, and investments
    • Understanding future tax exposure
    • Creating a strategy that protects both you and your family
    Because at the end of the day:
    👉 It’s not just about how much you make…
    👉 It’s about how much you keep.

    🚀 Take the Next Step

    Want to know how this could impact your retirement plan?
    👉 Schedule your Complimentary On-Track Retirement Review at https://www.myontrackretirement.com

    We’ll help you:
    • Identify hidden tax risks
    • Understand your future tax exposure
    • Build a plan designed for confidence and clarity
    👍 Don’t Miss What’s NextIf this episode helped you:
    • Like 👍
    • Subscribe 🔔
    • Share this with someone you care about
    Because the truth is—if this affects you…
    it likely affects them too.

    Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com
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    31 min
  • The Truth About Retirement Fees No One Explains

    The Truth About Retirement Fees No One Explains
    Apr 28 2026
    What if the biggest threat to your retirement… isn’t the market—but something you don’t even see?

    In this episode of the On-Track Retirement Show, Pat and Jay uncover what they call the “silent killer” of retirement: hidden fees. What most people think is a simple 1% fee can quietly turn into 2%–2.5% or more—costing tens of thousands of dollars every single year.

    And here’s the problem…
    Most retirees don’t even know it’s happening.

    Inside this episode, you’ll discover:
    • Why “1% fees” are often misleading—and what you’re really paying
    • The hidden layers of fees (advisor, fund, platform, commissions)
    • How fees can reduce gains AND amplify losses
    • Why fees matter even more once you enter retirement
    • The smarter questions you should be asking your advisor right now
    Because retirement isn’t just about what you earn…
    It’s about what you keep.

    If you want clarity, confidence, and control over your financial future—this episode is for you.
    🚀 Take the Next Step

    Want to know exactly what you’re paying—and how it’s impacting your retirement?👉 Schedule your complimentary On-Track Retirement Review here:
    https://www.myontrackretirement.com In this no-cost review, you’ll get:
    • A full fee analysis (including hidden costs)
    • A personalized retirement strategy
    • Clear next steps to help you stay on track

    🔔 Don’t Miss What’s Next

    Subscribe for more episodes designed to help you get on track, stay on track, and enjoy a confident retirement.

    Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com
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    29 min
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