History Lessons for the Modern Investor Podcast

About History Lessons for the Modern Investor Podcast

The VIP Retirement Income Lab, with Patrick Huey, CFP®, helps turn portfolios into paychecks. If you’re within five years of retirement – or five years into it – you’ve probably realized that saving was the easy part. In The Retirement Income Lab, we “test” real-world retirement decisions so you don’t have to test them on your own portfolio. Patrick Huey is an investment advisor representative of Dynamic Wealth Advisors dba Victory Independent Planning, LLC. All investment advisory services are offered through Dynamic Wealth Advisors. Patrick Huey is the author of two books: "History Lessons for the Modern Investor" and "The Seven Pillars of (Financial) Wisdom"; this is considered an outside business activity for Patrick Huey and is separate and apart from his activities as an investment advisor representative with Dynamic Wealth Advisors. The material contained in these books are the current opinions of the author, Patrick Huey but not necessarily those of Dynamic Wealth Advisors. hl4tmi.substack.com (https://hl4tmi.substack.com?utm_medium=podcast)

Publisher

Patrick Huey

Category

business · education

Language

en

Explicit

No

First episode

21 Jun 2023

Latest episode

24 Aug 2026

Latest episodes

143 episodes in the feed.

1. 

   24 Aug 2026

   💸5 Retirement Tax Strategies Your Advisor May Not Be Talking About

   If you're retired—or within about five years of retirement—tax planning can be just as important as investment planning.In retirement, it isn't just about how much your portfolio earns. It's about how much you actually get to keep.In this episode of The Retirement Income Lab, Patrick Huey, CFP® breaks down 5 overlooked retirement tax strategies that could help you reduce lifetime taxes, manage future tax exposure, and keep more of your retirement income.These aren't gimmicks or loopholes. They're practical strategies for retirement planning that can be incorporated into a comprehensive retirement income plan.In this episode, you'll learn:1. Roth Conversions in the Retirement "Gap Years"The years between retirement and Required Minimum Distributions can create an important opportunity for strategic Roth conversions. We discuss how converting portions of a traditional IRA to a Roth IRA may help manage future RMDs, tax brackets, Social Security taxation, Medicare premiums, and even what your heirs ultimately inherit.2. Why Your Retirement Withdrawal Order MattersShould you spend your taxable accounts first? Your IRA? Your Roth IRA?There's no universal answer. A coordinated withdrawal strategy can use multiple account types to help manage your tax bracket over your retirement—not simply minimize taxes in one particular year.3. Qualified Charitable Distributions (QCDs)If you're charitably inclined and eligible, a Qualified Charitable Distribution from an IRA may provide an important tax-planning opportunity. We discuss how QCDs can interact with RMDs, taxable income, Social Security taxation, and Medicare premium surcharges.4. Asset Location vs. Asset AllocationMost investors understand asset allocation. Fewer pay attention to where their investments are held.Different account types receive different tax treatment. Thoughtful asset location may improve after-tax outcomes without requiring you to take additional investment risk.5. The Hidden Tax Cliffs in RetirementYour marginal tax bracket isn't the only thing to watch.Additional income can affect:Social Security taxationMedicare IRMAA premiumsCapital gainsRequired Minimum DistributionsFuture tax bracketsThe important question isn't just, "What tax bracket am I in?"It's also:"What happens if I recognize one more dollar of income?"The Bigger Retirement Planning LessonA retirement plan that simply says, "Take what you need and we'll deal with the taxes later," may be missing an important opportunity.A more coordinated strategy can potentially incorporate:• Roth conversions• Tax-efficient withdrawal sequencing• Qualified Charitable Distributions• Asset location• Social Security tax planning• Medicare IRMAA planning• RMD planning• Lifetime tax managementThe goal isn't to eliminate taxes.The goal is to avoid paying more taxes than necessary over the course of your retirement.Who Is This Episode For?This episode is especially relevant if you:Are within five years of retirementAre recently retiredHave significant traditional IRA or 401(k) assetsExpect substantial Required Minimum DistributionsAre considering Roth conversionsGive to charityAre concerned about Medicare IRMAAWant to coordinate Social Security and retirement withdrawalsWant to reduce your lifetime tax burdenWant a Second Opinion on Your Retirement Plan?The Retirement Income Lab Assessment can help identify potential Roth conversion windows, evaluate withdrawal sequencing, stress-test future tax exposure, and examine how your account structure affects your retirement paycheck.Schedule a Retirement Income Lab Assessment:👉 VictoryIndependentPlanning.com/contactI'm Patrick Huey, CFP®, fiduciary and owner of Victory Independent Planning. I work with high-saving professionals nationwide who are within about five years of retirement or recently retired.Subscribe to The Retirement Income Lab for practical conversations about retirement income planning, taxes, Social Security, Medicare, investing, and the decisions that can help you retire—and stay retired.Disclaimer: This video is for educational purposes only and is not individualized tax, legal, or investment advice. Tax laws and individual circumstances vary. Consult your qualified tax and legal professionals before implementing any strategy.#RetirementPlanning #RetirementTaxes #RothConversion #RetirementIncome #TaxPlanning #IRA #RMD #QCD #IRMAA #SocialSecurity #RetirementIncomePlanning #FinancialPlanning #RetirementStrategy #CFP #RetirementIncomeLab This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit hl4tmi.substack.com (https://hl4tmi.substack.com?utm_medium=podcast&utm_campaign=CTA_1)

2. 

   13 Jul 2026

   📉 Inflation Is Wrecking Your Retirement Plan | The Planning Mistake That Could Cost You Thousands

   Most retirees worry about stock market crashes.But one of the biggest threats to your retirement isn't a bear market—it's inflation.Inflation quietly reduces your purchasing power every year. Even "normal" inflation can dramatically increase the amount of income you'll need over a 25- or 30-year retirement. And if your retirement plan still assumes inflation quickly returns to 2%, your plan may be built on unrealistic assumptions.In this episode of the Retirement Income Lab, Certified Financial Planner™ Patrick Huey explains:✅ Why inflation is one of retirement's biggest hidden risks✅ Why the idea that inflation is "transitory" has often been wrong throughout history✅ How inflation affects retirement income planning✅ Why your retirement paycheck needs to grow over time✅ Common retirement planning mistakes that leave retirees vulnerable✅ How much stock exposure retirees may still need✅ Why flexibility matters more than chasing returns✅ How to stress test your retirement plan against inflationIf you're within five years of retirement—or already retired—this episode will help you understand how to build a retirement income strategy designed to preserve purchasing power for decades.Schedule Your Retirement Income Lab AssessmentWondering whether your retirement plan is prepared for long-term inflation?Schedule a Retirement Income Lab Assessment:👉 https://victoryindependentplanning.com/contactWe'll help you evaluate:• Inflation assumptions• Withdrawal strategy• Tax-efficient retirement income• Investment allocation• Long-term purchasing powerSubscribe for Weekly Retirement Planning VideosNew episodes every week covering:• Retirement Income Planning• Roth Conversion Strategies• Retirement Taxes• Social Security• Medicare• Required Minimum Distributions (RMDs)• Safe Withdrawal Strategies• Retirement Investing• Inflation• Sequence of Returns Risk• Tax Planning• Estate PlanningChapters00:00 Inflation Is the Quiet Thief of Retirement02:10 Why Inflation Hurts Retirees More Than Workers05:20 The Dangerous "Transitory Inflation" Myth10:35 The Retirement Planning Mistake Most Advisors Miss15:30 Why Inflation Can Last Much Longer Than Expected20:15 Three Inflation Mistakes Retirees Make25:05 How to Build an Inflation-Resistant Retirement Income Plan30:40 Action Steps to Protect Your Retirement#RetirementPlanning #Inflation #RetirementIncome #FinancialPlanning #Retirement #RetirementInvesting #CFP #RothConversion #SocialSecurity #RetirementTaxes #RetirementStrategy #Investing #PersonalFinance #WealthManagement #RetirementIncomeLab This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit hl4tmi.substack.com (https://hl4tmi.substack.com?utm_medium=podcast&utm_campaign=CTA_1)

3. 

   29 Jun 2026

   💰I Have $2 Million in Retirement Savings — What’s the Best Retirement Paycheck Strategy?

   You’ve saved $2 million for retirement.Now what?In this episode of The Retirement Income Lab, Patrick Huey, CFP®, answers one of the biggest questions high-saving professionals face:What is the best retirement paycheck strategy if you have $2 million in retirement savings?Because building the portfolio was only part of the job.In this video, we put a real-world retirement income scenario under the microscope and walk through how to turn $2 million into a retirement paycheck that can flex with markets without blowing up your plan.In this episode, you’ll learn:How much income a $2 million retirement portfolio may be able to support🎯Why a 4% withdrawal rate is a starting point, not a magic formula🎯How Social Security changes the amount your portfolio actually needs to provide🎯Why the best retirement paycheck strategy is usually flexible, not rigid🎯How inflation can quietly destroy purchasing power over a 20- to 30-year retirement🎯Why retirees still need some stock exposure to maintain or grow purchasing power🎯Why too much stock exposure at the wrong time can create sequence-of-returns risk🎯How a practical retirement income structure might use cash, bonds, and stocks together🎯Why discretionary spending flexibility can make a retirement plan more durable🎯How tax-aware withdrawals from IRAs, Roth accounts, and taxable accounts can improve retirement incomeThis episode includes a specific example:A retired couple, both age 65$2 million in retirement savings$60,000 per year in combined Social Security$140,000 per year in desired spending$80,000 needed from the portfolio in year oneThat means a 4% starting withdrawal rate.But the real question is not just “Can I take 4%?”It’s:Can I build a retirement paycheck that survives bad markets, inflation, taxes, and a long retirement?That’s what this episode is about.Why this mattersA lot of retirees make one of two mistakes:🙅🏽They get too conservative and let inflation eat away at their purchasing power🙅🏽Or they stay too aggressive and expose themselves to major damage if markets fall early in retirementThis episode explains why both risks matter — and why the best retirement paycheck strategy usually sits somewhere in the middle:Enough growth to fight inflation. Enough stability to survive bad years. Enough flexibility to adapt when real life does not cooperate.About The Retirement Income LabI’m Patrick Huey, CFP®, owner of Victory Independent Planning and host of The Retirement Income Lab.This channel is for high-saving professionals within about five years of retirement — or just into it — who want practical answers to questions like:Can I retire with what I’ve saved?How much can I safely withdraw in retirement?How much risk do I actually need?How do I build a retirement paycheck?What does inflation really do to retirees?How do I make better decisions with my IRA, Social Security, taxes, and investments?No hype. No stock tips. Just data, discipline, and decisions you can live with.Want a second opinion?If you have the savings but not a clear retirement paycheck strategy, schedule a Retirement Income Lab Assessment:https://victoryindependentplanning.com/contactIn your assessment, we can help you:Map your retirement income sourcesStress-test your withdrawal strategyIdentify where your plan is vulnerable to inflation or bad marketsEvaluate how much flexibility your spending really hasCoordinate retirement income with tax planningBuild a retirement paycheck strategy designed to lastTimestamps: 00:00 – I have $2 million in retirement savings… now what? 01:10 – What the best retirement paycheck strategy really has to solve 02:15 – Case study: retired couple with $2M and $140K spending 04:10 – Why a 4% withdrawal rate is not magic 05:10 – Why rigid retirement paychecks can be dangerous 06:10 – Inflation and why retirees still need stock exposure 08:00 – Sequence risk: why too much stock can hurt early in retirement 09:25 – A practical retirement paycheck structure using cash, bonds, and stocks 12:00 – Why “flex” matters in retirement income planning 13:45 – How tax-aware withdrawals improve retirement income 15:10 – What the best retirement paycheck strategy really looks like 16:20 – How to stress-test your own plan 17:15 – Next episode preview: inflation specialIf this video helped you:Like the videoSubscribe to The Retirement Income LabShare it with someone asking how to retire on $2 millionComment below: If you had $2 million saved, would your bigger concern be inflation, taxes, or market risk?#retirementofpartner #RetirementPlanning #RetirementIncome #RetireWith2Million #WithdrawalStrategy #4PercentRule #FinancialPlanning #RetirementPaycheck #Inflation #SequenceOfReturns #SocialSecurity #IRA #RothIRA #CFP #VictoryIndependentPlanning #RetirementIncomeLab This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit hl4tmi.substack.com (https://hl4tmi.substack.com?utm_medium=podcast&utm_campaign=CTA_1)

Reach and audience

Public platform figures. Ratings count people who left a rating, not total listeners.

Apple Podcasts (US)

4.9 / 5

8 ratings

Spotify

5.0 / 5

1 ratings

Podcast Authority Score: 54 / 100

A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.

Quality

96

Social presence

0

YouTube

0

Engagement

32

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