About Retire Right: Ohio's Guide to Financial Independence
Grab your nearest headphones and press play to gain greater independence in your retirement plan with Retire Right – Ohio's Guide to Financial Independence! This new podcast brings you relevant and insightful retirement information and financial commentary straight to your device, allowing you to head into your own retirement with greater confidence. Hosted by Independence Wealth Advisor’s President and Wealth Advisor, Chris Kichurchak, you’ll hear his personal tips and recommendations on hot financial topics like retirement planning, asset management, long-term care, and much more.
Whether you’re just starting out on your retirement journey, well into enjoying your permanent vacation, or anywhere between, we hope you’ll learn valuable insights and actionable strategies that will guide you toward the retirement that is right for you. Start streaming anytime, anywhere, and begin your journey toward greater financial independence!
Could Your Family Home Become an Inheritance Problem?
Your family home may be your most valuable asset, but could it become your children's biggest inheritance headache? In this episode of Retire Right, Chris Kichurchak explores the hidden challenges of passing a home to the next generation. From aging properties and rising maintenance costs to family disagreements, probate concerns, taxes, and emotional attachments, Chris explains why inheriting a home is often more complicated than people expect. He discusses common mistakes, including adding children to a deed, and why proactive estate planning can help families avoid conflict and confusion. Whether your goal is to keep the home in the family or maximize its value as part of your legacy, this conversation highlights the importance of planning ahead.
If you’re ready to put your wealth in the right hands, schedule a complimentary consultation with Chris and his team today! Email info@iwadirect.com (info@iwadirect.com) visit IWAdirect.com (https://iwadirect.com/) or call (216) 268-3888 to learn more.
See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.
29 Sept 2026
Do You Need a Dictionary for Retirement Planning?
Ever feel like retirement planning comes with its own language, and everyone else got the dictionary except you? In this episode of Retire Right, Chris Kichurchak breaks down some of the most common retirement planning terms that can leave pre-retirees feeling overwhelmed. From Required Minimum Distributions (RMDs) and sequence of returns risk to Roth conversions and IRMAA surcharges, Chris explains what these concepts mean in plain English and why they matter. He also shares how market timing, taxes, Social Security, and investment decisions can create ripple effects throughout retirement. Understanding the terminology is more than just learning financial jargon. It's about making informed decisions that can impact your financial future for decades.
If you’re ready to put your wealth in the right hands, schedule a complimentary consultation with Chris and his team today! Email info@iwadirect.com (info@iwadirect.com) visit IWAdirect.com (https://iwadirect.com/) or call (216) 268-3888 to learn more.
See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.
8 Sept 2026
Are Roth Conversions Really Worth the Medicare Premium Increase?
Everyone seems to be talking about Roth conversions, but what if the right move for your neighbor is the wrong move for you? In this episode of Retire Right: Ohio's Guide to Financial Independence, Chris Kichurchak breaks down one of retirement planning's most talked-about strategies. He explains how Roth conversions can help reduce future required minimum distributions (RMDs), manage taxes, and potentially improve legacy planning, while also discussing the impact on Medicare premiums through IRMAA. Chris explores when a Roth conversion may make sense, when it may not, and why timing, income levels, longevity, and tax planning all play a role. When it comes to Roth strategies, the answer is rarely one-size-fits-all.
If you’re ready to put your wealth in the right hands, schedule a complimentary consultation with Chris and his team today! Email info@iwadirect.com (info@iwadirect.com) visit IWAdirect.com (https://iwadirect.com/) or call (216) 268-3888 to learn more.
See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.
25 Aug 2026
Are You Making Retirement Mistakes Before Retirement Even Begins?
Most retirement mistakes don't happen after you retire. They happen in the years leading up to it. In this episode of Retire Right: Ohio's Guide to Financial Independence, Chris Kichurchak discusses some of the most common retirement planning mistakes he sees and how to address them before they become costly. From failing to plan early and overlooking tax strategies to underestimating healthcare and long-term care costs, Chris explains why retirement is about much more than hitting a savings goal. He also explores budgeting, Roth conversions, sequence-of-returns risk, and why relying solely on a withdrawal rule may not be enough. The best retirement plans are built before retirement begins.
If you’re ready to put your wealth in the right hands, schedule a complimentary consultation with Chris and his team today! Email info@iwadirect.com (info@iwadirect.com) visit IWAdirect.com (https://iwadirect.com/) or call (216) 268-3888 to learn more.
See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.
7 Jul 2026
Can Your Retirement Survive a Social Security Cut?
What if Social Security doesn’t look the way you planned it to? In this episode, Chris Kichurchak breaks down the growing concerns around the future of Social Security and what potential changes could mean for retirees. The conversation explores how benefit cuts, market volatility, and tax changes could impact retirement income, and why relying on a single source may create risk. Chris also shares how to think about income planning, timing your benefits, and creating multiple streams of income to stay flexible. It’s a discussion centered on preparing for uncertainty and aligning your retirement strategy with your real income needs.
If you’re ready to put your wealth in the right hands, schedule a complimentary consultation with Chris and his team today! Email info@iwadirect.com (info@iwadirect.com) visit IWAdirect.com (https://iwadirect.com/) or call (216) 268-3888 to learn more.
See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.
23 Jun 2026
Is Your Long-Term Care Plan Actually a Plan?
What happens if your long-term care plan… isn’t really a plan at all? In this episode, Chris Kichurchak breaks down the realities of long-term care and why so many families are caught off guard when the need arises. The conversation explores common misconceptions; from relying on family to assuming traditional insurance will cover the gap, and highlights the financial and emotional impact of being unprepared. Chris also discusses modern strategies for protecting assets and creating flexibility, from legal planning to hybrid insurance options. It’s a practical look at how planning ahead can help preserve independence, reduce stress on loved ones, and keep more control over future care decisions.
If you’re ready to put your wealth in the right hands, schedule a complimentary consultation with Chris and his team today! Email info@iwadirect.com (info@iwadirect.com) visit IWAdirect.com (https://iwadirect.com/) or call (216) 268-3888 to learn more.
See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.
2 Jun 2026
When the IRS Forces You to Spend Your Retirement Money
What if the IRS decides it’s time for you to start spending your retirement savings—whether you’re ready or not? In this episode of Retire Right, Chris Kichurchak breaks down Required Minimum Distributions (RMDs) and why they can have ripple effects on taxes, income, and long-term planning. He explores when RMDs begin, how they increase over time, and why waiting too long to plan can lead to larger tax bills. The conversation also highlights strategies like Roth conversions, tax diversification, and alternative income approaches that may help manage future withdrawals more efficiently.
If you’re ready to put your wealth in the right hands, schedule a complimentary consultation with Chris and his team today! Email info@iwadirect.com (info@iwadirect.com) visit IWAdirect.com (https://iwadirect.com/) or call (216) 268-3888 to learn more.
See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.
19 May 2026
Does the American Dream Really Cost $5 Million?
Does achieving the “American Dream” now come with a multi‑million‑dollar price tag? In this episode, Chris Kichurchak breaks down what retirement really costs—and why it may be the single largest financial expense most families will face. He challenges the idea that success is tied to a specific number, focusing instead on how lifestyle, spending, and income strategy determine financial independence. The conversation also explores rising healthcare costs, market uncertainty, and the growing responsibility individuals have to fund their own retirement. It’s a practical look at redefining the American Dream through thoughtful planning and realistic expectations
If you’re ready to put your wealth in the right hands, schedule a complimentary consultation with Chris and his team today! Email info@iwadirect.com (info@iwadirect.com) visit IWAdirect.com (https://iwadirect.com/) or call (216) 268-3888 to learn more.
See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.
28 Apr 2026
Are These Retirement Rules Past Their Expiration Date?
Are some of the most commonly repeated retirement “rules” quietly working against you? In this episode of Retire Right, Chris Kichurchak takes a hard look at long‑standing retirement guidelines—from the 4% rule to age‑based asset allocation—and why they may feel outdated in today’s longer, more volatile retirement landscape. The conversation explores market volatility, longevity, assumptions baked into financial plans, and why fixed rules often fall short of real life. Chris also breaks down how volatility impacts returns, why cash‑flow planning matters more than averages, and when it’s time to question the advice you’ve always heard.
If you’re ready to put your wealth in the right hands, schedule a complimentary consultation with Chris and his team today! Email info@iwadirect.com (info@iwadirect.com) visit IWAdirect.com (https://iwadirect.com/) or call (216) 268-3888 to learn more.
See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.
15 Apr 2026
Dead Money: When Playing It Safe Backfires
What if the money sitting safely in your bank account is quietly working against you? In this episode of Retire Right, Chris Kichurchak unpacks the concept of “dead money”—cash that feels secure but may be losing purchasing power over time. He explores how inflation and taxes can erode savings, why emotional comfort often drives cash hoarding, and how understanding time horizons can reshape retirement planning. Chris also explains his three‑bucket approach, discusses the role of dividends and interest rates, and emphasizes why financial education is a critical first step before making any major decisions.
If you’re ready to put your wealth in the right hands, schedule a complimentary consultation with Chris and his team today! Email info@iwadirect.com (info@iwadirect.com) visit IWAdirect.com (https://iwadirect.com/) or call (216) 268-3888 to learn more.
See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.
31 Mar 2026
The Conversation Most Families Have Too Late
Long-term care isn’t a medical problem—it’s an asset problem most retirees don’t see coming. In this episode, Chris Kichurchak breaks down what long-term care really is, when it’s triggered, and why Medicare and Medicaid often fall short. He explores how care actually shows up in real life, from in‑home help to cognitive decline, and why waiting too long can force families into difficult financial and emotional decisions. The conversation also highlights why women are disproportionately affected, how Medicaid spend‑down works, and the planning options available to address long‑term care before a crisis hits. A clear, realistic look at one of retirement’s most avoided topics.
If you’re ready to put your wealth in the right hands, schedule a complimentary consultation with Chris and his team today! Email info@iwadirect.com (info@iwadirect.com) visit IWAdirect.com (https://iwadirect.com/) or call (216) 268-3888 to learn more.
See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.
17 Mar 2026
Why Retirement Taxes Deserve More Than an April Deadline
Tax season has a way of exposing the details retirees didn’t realize they missed. In this episode, host Chris Kichurchak breaks down a practical, retiree-focused tax season checklist and the common oversights that can quietly cost you money. He discusses why organization matters, how CPAs and financial advisors play different but connected roles, and which documents retirees need to gather before meeting with their tax professional. The conversation also explores Medicare lookback rules, Roth conversion math, quarterly tax planning, and why April shouldn’t be the first time taxes cross your mind. A clear-eyed look at taxes as an ongoing part of retirement planning.
If you’re ready to put your wealth in the right hands, schedule a complimentary consultation with Chris and his team today! Email info@iwadirect.com (info@iwadirect.com) visit IWAdirect.com (https://iwadirect.com/) or call (216) 268-3888 to learn more.
See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.
2 Mar 2026
Why Having Money Isn’t the Same as Being Ready to Retire
Why do people with plenty of money still run into trouble in retirement? In this episode of Retire Right, Chris Kichurchak breaks down the real-world roadblocks that derail retirement—from inflation and taxes to lifestyle creep and outdated planning habits. Using relatable examples, including why high earners can still run out of money, Chris explains the shift from paychecks to “playchecks” and why retirement planning goes far beyond a legal pad and a rough budget. The conversation explores how income sources, spending habits, and tax decisions intersect, and why understanding your lifestyle costs is central to navigating retirement with clarity and intention.
If you’re ready to put your wealth in the right hands, schedule a complimentary consultation with Chris and his team today! Email info@iwadirect.com (info@iwadirect.com) visit IWAdirect.com (https://iwadirect.com/) or call (216) 268-3888 to learn more.
See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.
2 Mar 2026
The Roadmap Mindset Behind Confident Retirement Planning
Retirement planning isn’t a straight line—and that’s exactly why most people get caught off guard. In the debut episode of Retire Right, host Chris Kichurchak shares the personal experiences that shaped his approach to financial planning and why education sits at the center of every client relationship. He breaks down retirement as a living, evolving roadmap—one that accounts for market volatility, life changes, and unexpected detours. Through relatable stories and practical analogies, Chris explains how thoughtful planning focuses on identifying risks early, adapting along the way, and helping individuals take ownership of their financial future with clarity and confidence.
If you’re ready to put your wealth in the right hands, schedule a complimentary consultation with Chris and his team today! Email info@iwadirect.com (info@iwadirect.com) visit IWAdirect.com (https://iwadirect.com/) or call (216) 268-3888 to learn more.
See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.
2 Mar 2026
Retire Right - Ohio's Guide to Financial Independence Trailer
Grab your nearest headphones and press play to gain greater independence in your retirement plan with Retire Right – Ohio's Guide to Financial Independence! This new podcast brings you relevant and insightful retirement information and financial commentary straight to your device, allowing you to head into your own retirement with greater confidence. Hosted by Independence Wealth Advisor’s President and Wealth Advisor, Chris Kichurchak, you’ll hear his personal tips and recommendations on hot financial topics like retirement planning, asset management, long-term care, and much more.
Whether you’re just starting out on your retirement journey, well into enjoying your permanent vacation, or anywhere between, we hope you’ll learn valuable insights and actionable strategies that will guide you toward the retirement that is right for you. Start streaming anytime, anywhere, and begin your journey toward greater financial independence!
See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.
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