How often does this podcast release new episodes?

This podcast updates bi-weekly.

Where can I listen to this podcast?

This podcast is available on 9 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.

Does this podcast accept guests?

Yes, this podcast regularly features guests.

Baby Steps to Retirement

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by Bereket Kelile

5.0(4 reviews)

20 episodes

Updated Bi-weekly

Accepts GuestsHas SponsorsLocation 🇺🇸

Podcast Overview

Plan Your Kaiser Retirement is the podcast for Kaiser Permanente employees in California who want clarity and confidence about retiring. Each episode breaks down your Kaiser pension options, 401(k) strategies, Social Security timing, Medicare, and California taxes—in plain English—so you can answer “When can I retire?” and turn your savings into a reliable monthly paycheck. Whether you’re in your 40s planning ahead or in your 50s preparing to exit, you’ll learn how to coordinate pension + Social Security, use the Roth window (59½–70), avoid IRMAA surprises, and choose benefits with confidence. Hosted by Sacramento-based financial advisor Bereket Kelile, with deep family ties to Kaiser, this show is built for healthcare professionals who want a clear plan—not generic advice. Retire with clarity. Retire on purpose.

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Publishing Since

11/21/2023

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Recent Episodes

March 9, 2026

Your Kaiser Retirement at 55–62: The 2026 Playbook

If you’re a Kaiser healthcare worker in your 50s and asking “When can I retire?”, this episode gives you a clear 2026 roadmap. Bereket walks you through tightening the playbook in your “third quarter”: locking down your foundations, then coordinating Social Security, pension, and 401(k) to create a monthly paycheck you can actually spend—while avoiding tax and healthcare pitfalls. What you’ll learn:<ul><li>Foundation first: wipe consumer debt, fully fund 3–6 months (then 6–12) of cash, and set a target date to kill the mortgage before retirement.</li><li>Social Security in 6 steps: pull your statement, model 62/FRA/70 benefits, coordinate with pension, and view decisions through a tax lens.</li><li>The Kaiser Roth window: why age 59½–70 is prime time for systematic Roth conversions to lower lifetime taxes and improve survivor/legacy outcomes.</li><li>Pension optimization + 401(k) catch-up: how to blend pension timing with pre-tax/Roth buckets to hit your expense target.</li><li>Building your “paycheck”: stack SS + pension + 401(k) in the right order to smooth taxes and cash flow.</li></ul> Grab the Kaiser 50s Retirement Playbook + 15-minute clarity call: https://deft-producer-2206.kit.com/dd0e025e7d

March 2, 2026

Stuck Is a Symptom of Unmade Decisions (and How to Fix It)

Feeling busy but not moving forward? In this episode, Bereket Kelile breaks down why so many healthcare workers feel “stuck”—and how unmade decisions quietly drain mental bandwidth, stall career progress, and slow financial planning. You’ll learn a simple reflective planning tool (past–present–future) to close open loops, regain focus, and set high‑quality goals that fit real life in healthcare.We cover:<ul><li>The real reason you feel stuck: unmade decisions and input overload</li><li>Why most decisions are reversible (and how tiny experiments create momentum)</li><li>How to clear mental tabs so you can prioritize career, money, and life</li><li>A step-by-step reflective process to set relevant, achievable goals</li><li>Using community/accountability to follow through</li></ul>If you work at Kaiser, Dignity, or Sutter and want 2026 to look different—this is your starting point.Want help applying this to your Kaiser benefits and retirement plan? Grab the Kaiser 40s Retirement Playbook and a 10–15 minute clarity call here: https://retirefromkaiser.com/

December 26, 2024

Episode 18 - 2025 Investment Plan

You know it's time to start saving and investing for retirement. But, where do you start? And what do you need to do so that you can retire comfortably as early as possible? Unless you do something different, you’re going to end up in 2025 exactly where you’re headed—again.

20 total episodes available

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Frequently asked questions

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What is Baby Steps to Retirement?: Plan Your Kaiser Retirement is the podcast for Kaiser Permanente employees in California who want clarity and confidence about retiring. Each episode breaks down your Kaiser pension options, 401(k) strategies, Social Security timing, Medicare, and California taxes—in plain English—so you can answer “When can I retire?” and turn your savings into a reliable monthly paycheck.

Whether you’re in your 40s planning ahead or in your 50s preparing to exit, you’ll learn how to coordinate pension + Social Security, use the Roth window (59½–70), avoid IRMAA surprises, and choose benefits with confidence. Hosted by Sacramento-based financial advisor Bereket Kelile, with deep family ties to Kaiser, this show is built for healthcare professionals who want a clear plan—not generic advice.

Retire with clarity. Retire on purpose.
How often does this podcast release new episodes?: This podcast updates bi-weekly.
Where can I listen to this podcast?: This podcast is available on 9 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.
Does this podcast accept guests?: Yes, this podcast regularly features guests.

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