When is the right time to start drawing income from savings?

This episode explores the "Retirement Red Zone," the critical period spanning the final years of work and the beginning of retirement when investors must shift from accumulating wealth to creating a sustainable income plan. Trey and Yelisey discuss the technical complexities of optimizing government benefits and navigating enrollment rules to avoid lifelong financial penalties. Discover the psychological and strategic shifts required to confidently spend assets and manage market risks like the sequence of returns.

What you’ll learn in this episode:

00:00 Why the retirement red zone is one of the biggest financial transitions in life.

02:00 How to shift from earning a paycheck to creating your own income stream.

05:00 Why most people don’t understand their investment fees and how that impacts long-term outcomes.

08:00 How Social Security timing decisions can significantly affect total lifetime income.

17:30 What to know about Medicare enrollment windows and how to avoid lifetime penalties.

24:00 Why shifting from saving to spending is psychologically difficult and how to overcome it.

27:00 How sequence of returns risk can impact how long your money lasts.

31:30 Why coordinating income sources and creating guaranteed income leads to greater retirement confidence.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: trey@atfwealth.com

Yelisey Kuts: yelisey@atfwealth.com

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

What habits help ordinary earners accumulate significant wealth over time?

This episode focuses on the fundamental shift from reactive, emotional money management to a disciplined, purpose-driven approach to building wealth. Hosts Trey Peterson and Yelisey Kuts discuss the psychological traps of social media comparison and the importance of maintaining "margins" in your income to ensure long-term financial peace. By prioritizing consistency over fads, listeners learn how to leverage business, real estate, and the stock market to achieve a secure and successful retirement.

What you’ll learn in this episode:

00:00 Why building wealth requires discipline and a clear plan in a chaotic world filled with conflicting financial advice.

01:07 How social media and fast-moving news cycles create emotional reactions that can derail smart financial decisions.

03:10 Why consistency and long-term saving habits often outperform high income alone when building wealth.

07:19 How chasing “shiny object” investments can sabotage long-term financial success.

10:47 What it means to live within financial margins instead of obsessively tracking every expense.

17:07 Why investing in your career or business can be one of the most powerful wealth-building strategies.

23:32 How lifestyle creep can erase income increases and prevent people from gaining financial breathing room.

34:58 Why following a small number of trusted voices and strategies helps investors stay consistent for decades.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: trey@atfwealth.com

Yelisey Kuts: yelisey@atfwealth.com

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

In this episode, Sophia Skoog interviews Yelisey Kuts to uncover the personal experiences and lessons that shaped his approach to investing and advising clients. Through stories, analogies, and real-world examples, Yelisey explains why discipline, time, and emotional control matter more than chasing short-term results. The conversation highlights how wealth is built slowly, preserved intentionally, and often lost through fear-based decisions.

What you’ll learn in this episode:

(01:28) How compound interest works using simple, memorable real-life analogies.

(05:38) How undervaluing your time can become a costly financial mistake.

(11:39) Why emotional reactions during market volatility create long-term damage.

(13:57) How missing just a few strong market days can drastically reduce returns.

(17:24) Why sudden wealth can be dangerous without the character to manage it.

(19:32) How attempting to eliminate all risk can lead people to reintroduce it in unhealthy ways.

(23:36) Why honest financial guidance sometimes requires uncomfortable conversations.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: trey@atfwealth.com

Yelisey Kuts: yelisey@atfwealth.com

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

How does authentic encouragement build trust faster than any other leadership skill?

In this episode, Trey and Yelisey talk with Jordan Montgomery about the transformative power of authentic encouragement. Jordan shares personal stories from his career in wealth management, his faith journey, and the pivotal moments that reshaped how he leads and serves others. Together, they unpack how encouragement, when rooted in truth and presence, creates trust, clarity, and lasting impact in both leadership and life.

Jordan Montgomery is a leadership coach, speaker, and former wealth management professional. He is the author of The Art of Encouragement, where he challenges leaders to build trust and connection through authentic encouragement rooted in faith and self-awareness.

What you’ll learn in this episode:

(02:15) Why gratitude is one of the fastest ways to establish trust in any relationship.

(04:42) Why personal failure can become the foundation for meaningful leadership growth.

(10:46) How prayer and patience can clarify major career and life transitions.

(13:13) The difference between authentic encouragement and empty affirmation.

(16:29) Why asking better questions often matters more than giving advice.

(24:27) How self-awareness and feedback expose leadership blind spots.

(38:25) Why showing up with presence can be more powerful than words.

Thanks to Jordan Montgomery for coming on the show!

Be sure to get Jordan’s The Art of Encouragement: https://www.amazon.com/dp/1394234473

Attend Jordan’s live leadership events and speaking engagements. Learn more:

https://www.instagram.com/jordanmmontgomery/

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: trey@atfwealth.com

Yelisey Kuts: yelisey@atfwealth.com

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

How does leadership change when it’s viewed as a lifelong process instead of a destination?

In this episode, Sophia Skoog interviews Trey C. Peterson on leadership lessons learned through building a business, developing people, and navigating seasons of growth. He shares how leadership is less about titles or rapid success and more about becoming the person capable of stewarding influence well. The conversation centers on character, culture, and building something that lasts beyond recognition or financial gain.

What you’ll learn in this episode:

(01:41) How early misconceptions about readiness can limit long-term leadership growth.

(03:18) Why building a dream requires the right team, not just individual effort.

(05:42) How learning seasons prepare leaders for future earning and influence.

(08:14) Why prioritizing family and values protects leadership over time.

(10:03) How stewardship and generosity shape sustainable leadership influence.

(13:15) Why character-driven decisions matter more than short-term financial wins.

(28:57) How to distinguish between building something impressive and something enduring.

Thanks to Sophia Skoog for coming on the show! Connect with Sophia: https://www.linkedin.com/in/sophia-skoog-402342265/

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: trey@atfwealth.com

Yelisey Kuts: yelisey@atfwealth.com

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

How can identifying the "wrong" questions to ask a financial advisor actually lead to a more secure financial future?

This episode breaks down common questions people ask financial advisors that often signal unrealistic expectations about markets, taxes, and retirement certainty. Trey and Yelisey explain why guarantees, predictions, and comparisons to others can undermine sound financial planning. Instead, they emphasize conservative projections, personalized strategies, and the importance of perspective in building lasting financial confidence.

What you’ll learn in this episode:

(00:43) Why asking a financial advisor to guarantee returns reflects a misunderstanding of risk and long-term planning.

(03:17) How minimizing taxes legally differs from unrealistic expectations of eliminating taxes entirely for people preparing for retirement.

(05:58) Why predicting short-term market performance is impossible.

(08:05) Why questions about hiding money create ethical, legal, and relational risks investors should avoid.

(11:11) How risk tolerance, lifestyle flexibility, and fixed expenses shape vastly different financial recommendations.

(14:09) Why retirement timelines cannot be guaranteed and how small changes in assumptions dramatically affect outcomes for investors.

(17:18) How conservative planning and honest course correction can help you stay on track when spending or assumptions drift.

(23:21) Why mindset, purpose, and planning for life after work are critical to a fulfilling retirement.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: trey@atfwealth.com

Yelisey Kuts: yelisey@atfwealth.com

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/