Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/

What’s new in 2026 for retirees and pre-retirees? This year brings several updates that could quietly affect your cash flow, taxes, and savings strategy. Dennis walks through what’s worth paying attention to as 2026 begins- because small changes can have noticeable impacts if ignored, and a quick review now can save you stress down the road.

Here’s some of what we discuss in this episode:

📈 COLA Increase – Social Security benefits receive modest raise

🏥 Medicare Premiums – Higher premiums offset income increases

🧾 Senior Deductions – New tax breaks for eligible retirees

📊 Catch-Up Savings – Higher contribution limits for older workers

🧭 Planning Conversations – Why advisor communication matters now

Our website: https://www.401k.faith

Phone: (513) 898-1897

Contact our team: https://www.faith401kmgmt.com/contact_us/

Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/

Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/

Join one of our upcoming events: https://www.faith401kmgmt.com/events.htm

Check out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/

Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7g

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LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

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Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/

Turning 62 unlocks Social Security, but deciding when to file is one of the biggest income decisions you’ll make in retirement. Find out why some people claim early, why others wait, and how fear, health, and lifestyle goals often shape the decision more than math alone. If you want a decision you won’t second-guess later, Dennis helps you think it through.

Here’s some of what we discuss in this episode:

🗓️ Filing Timing: How to think about starting Social Security

😓 Early Claiming Reasons: Work burnout, health, and fear of “missing out”

🎯 Full Retirement Age: Why waiting can change the outcome

💡 Early Strategy Options: What to do if you claim but don’t need income

📊 Planning Process: How decisions are tested inside a real retirement plan

Our website: https://www.401k.faith

Phone: (513) 898-1897

Contact our team: https://www.faith401kmgmt.com/contact_us/

Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/

Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/

Join one of our upcoming events: https://www.faith401kmgmt.com/events.htm

Check out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/

Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7g

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

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Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/

Nothing will mess with your financial confidence faster than comparing your savings to someone else’s highlight reel. Whether it’s a sibling, a coworker, or a YouTuber who claims they retired at 35, comparison can make even solid savers feel behind. Today, Dennis shares what really matters when evaluating your retirement readiness. Once you stop comparing and start planning, the next steps become much clearer.

Here’s some of what we discuss in this episode:

🔍 Comparison Trap: confidence eroded by measuring others

🧭 Planning First: strategy beats benchmarks every time

🎯 “Enough” Defined: income needs are more important than your total balance

✈️ Lifestyle Fit: spending choices shape retirement reality

💰 Catch-Up Options: saving more, working longer, adjusting risk

Our website: https://www.401k.faith

Phone: (513) 898-1897

Contact our team: https://www.faith401kmgmt.com/contact_us/

Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/

Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/

Join one of our upcoming events: https://www.faith401kmgmt.com/events.htm

Check out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/

Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7g

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/

A lot happened in 2025: big political swings, stubborn inflation, new tax rules, and even a historic government shutdown. But headlines alone don’t determine your retirement outcomes. In this episode, Dennis reveals the biggest financial events of the year and explains what actually matters for your plan moving forward. The noise will change in 2026, but a strong strategy is what turns chaos into confidence.

Here’s some of what we discuss in this episode:

🌍 Tariffs: economic uncertainty driving market volatility

📈 Inflation: rising costs reshaping retirement income needs

💰 Cash Strategies: high-yield savings improving flexibility

🧾 Tax Changes: new rules impacting planning decisions

🏛️ Shutdown Lessons: emergency preparedness matters

🔮 Looking Ahead: adapting plans for 2026 and beyond

Our website: https://www.401k.faith

Phone: (513) 898-1897

Contact our team: https://www.faith401kmgmt.com/contact_us/

Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/

Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/

Join one of our upcoming events: https://www.faith401kmgmt.com/events.htm

Check out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/

Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7g

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/

You’ve heard of Baby’s First Christmas, but what about Retiree’s First Christmas? Your first holiday season after leaving the workforce is a milestone all on its own. The schedule, the spending, the traditions… everything feels a little different. In this episode, Dennis talks about what to expect and how to navigate the differences this year and beyond.

Here’s some of what we discuss in this episode:

🎄 First Christmas: new emotions and holiday adjustments

💵 Budget Changes: spending confidence without a paycheck

✈️ Travel Flexibility: freedom to explore new traditions

🎁 Giving Back: QCDs and meaningful charitable options

🧠 Retiree Mindset: planning helps reduce holiday stress

Our website: https://www.401k.faith

Phone: (513) 898-1897

Contact our team: https://www.faith401kmgmt.com/contact_us/

Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/

Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/

Join one of our upcoming events: https://www.faith401kmgmt.com/events.htm

Check out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/

Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7g

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/

The smartest retirees all have one thing in common… they know how to ask better questions. In this episode, Dennis breaks down how the wording, focus, and intent behind your questions can completely change the quality of your retirement decisions. We reveal the usual questions people ask and better ways to ask that lead to better results.

Here’s some of what we discuss in this episode:

💵 Income Needs First: focusing on what you truly need to support your lifestyle

📈 Returns vs. Risk: understanding why maximizing returns isn’t the real goal

💬 Value Over Cost: finding meaningful advice—not just the lowest fee

⏳Smarter Social Security Choices: matching claiming strategies to your plan

Our website: https://www.401k.faith

Phone: (513) 898-1897

Contact our team: https://www.faith401kmgmt.com/contact_us/

Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/

Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/

Join one of our upcoming events: https://www.faith401kmgmt.com/events.htm

Check out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/

Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7g

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/

How do you know when a financial advisor just isn’t the right fit? In this episode, we break down five of the biggest red flags people overlook when choosing or evaluating an advisor. Dennis explains why advisor stability matters, the dangers of “one-size-fits-all” planning, and how a lack of information gathering can derail your financial progress. We also talk through fee transparency- why you should know exactly what you’re paying- and the risks of working with anyone who overpromises results or claims they can “beat the market.”

Here’s some of what we discuss in this episode:

• Long, unstable job history = potential red flag
• Why “one size fits all” plans don’t work
• Advisors should ask LOTS of questions
• Understanding what you’re paying
• Beware of overpromised returns or “market beating” claims

Our website: https://www.401k.faith

Phone: (513) 898-1897

Contact our team: https://www.faith401kmgmt.com/contact_us/

Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/

Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/

Join one of our upcoming events: https://www.faith401kmgmt.com/events.htm

Check out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/

Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7g

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/

Getting married later in life means you’re combining lives but not necessarily combining finances. How do you build a retirement plan together when you’ve both already built your own? Dennis answers a listener’s question about navigating financial and emotional security in later-life marriages. Financial independence and emotional connection aren’t opposites, you can keep your accounts separate, but your retirement plan should still be built together.

Here’s some of what we discuss in this episode:

💵 Retirement Planning: coordinating goals with independent assets

🎯 Shared Goals: transparency and communication as the foundation

🏛️ Estate Planning: protecting children and each other

📈 Comprehensive Advice: how a neutral financial planner can unify the plan

Our website: https://www.401k.faith

Phone: (513) 898-1897

Contact our team: https://www.faith401kmgmt.com/contact_us/

Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/

Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/

Join one of our upcoming events: https://www.faith401kmgmt.com/events.htm

Check out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/

Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7g

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

X: https://x.com/dennishorr