Wealth Creator Radio

About Wealth Creator Radio

Welcome to Wealth Creator Radio with Eric Heckman CFP®, the ultimate podcast for individuals transitioning from working life to retirement. Hosted by veteran financial strategist Eric Heckman, this show is your go-to resource for crafting a secure and prosperous retirement income plan. Through insightful interviews with Eric Heckman CFP® and other leading financial experts and advisors, you'll gain valuable knowledge and actionable tips to navigate your transition into retirement with confidence. Each episode is packed with sound advice and real-world examples to help you achieve financial peace of mind on topics such as retirement planning, financial planning, income structuring, tax optimization, and longevity planning. We share how to create a robust financial plan tailored to your retirement needs, strategies for structuring your money to ensure a steady income stream throughout your retirement, expert advice on how to efficiently take money out of your retirement accounts, how to place your assets in the right tax pockets to maximize your savings, how to make your money last as long as you do and more. Tune in to Wealth Creator Radio on all major podcasting platforms, including Apple Podcasts, Spotify, and beyond. Subscribe now to stay updated with the latest episodes and start your journey towards a well-planned and secure retirement.

Publisher

Eric Heckman

Category

business · education

Language

en

Explicit

No

First episode

4 Nov 2023

Latest episode

20 Oct 2026

Latest episodes

142 episodes in the feed.

1. 

   20 Oct 2026

   The 30-Year Tax Strategy: Optimizing What You Keep in Retirement

   Ask people what their biggest expense in retirement will be, and you’ll often hear healthcare, housing, or travel. But for many retirees, the real answer is taxes, quietly built into the retirement accounts they spent a lifetime filling up. On this episode of Wealth Creator Radio, I share why taxes may be your largest retirement expense, the hidden tax landmines that catch retirees off guard, and how a multi-year tax plan can help you keep more of what you’ve saved. Plus, we break down some of the IRS “Dirty Dozen” tax scams to watch out for. Watch Out for the IRS Dirty Dozen Each year, the IRS flags its “Dirty Dozen” list of tax scams. A few of the most common include: Phishing emails: Messages that look official, sometimes even appearing to come from services like DocuSign, designed to get you to click a link or enter personal information. Bad social media tax advice: “Too good to be true” tax strategies that can land you in serious trouble with the IRS. Fake IRS helpers: Scammers posing as third parties offering to help set up your IRS account. Remember, the IRS generally contacts you by mail, not by phone. Fake charities: Before donating, research the organization, check reviews, and confirm it’s legitimate. One simple tip: if you’re reading a suspicious email on your phone, hit “forward.” That often reveals the sender’s full email address, which can quickly show you it’s not from who it claims to be. Tax Preparation vs. Tax Planning Many people believe they have a tax strategy because they work with a CPA or tax preparer each spring. But tax preparation is really tax reporting. It’s like a reporter at the scene of the crime: this is what happened, and there’s very little you can do about it now. Tax planning is like installing the locks and alarm system before anything happens. It means making proactive decisions throughout the year, such as which accounts to withdraw from, whether Roth conversions make sense, and whether tax-loss harvesting could help. The goal isn’t just to pay less this year, but to pay less over your lifetime. Your 401(k) Has a Mortgage If you have a $1 million home with a $300,000 mortgage, you’d say you have $700,000 of equity. But if you have $1 million in a 401(k), most people say they have $1 million. The truth is, your tax-deferred accounts carry a built-in debt to the IRS and the state. If all your money is in tax-deferred accounts, your only tax plan is to pay whatever the tax bill turns out to be. Retirement Taxes Are a 30-Year Game Retirement can last 30 years or more, and tax rules will almost certainly change along the way. It’s like playing a board game where someone swaps out the board halfway through. Required minimum distributions (RMDs) are a good example. The starting age has moved from 70½ to 72 to 73, and it’s 75 for those born in 1960 or later. Many retirees are surprised to find themselves in a higher tax bracket in their mid-70s than they were during their working years. The Hidden Tax Landmines in Retirement Several tax traps can quietly raise your costs in retirement: RMDs: Required withdrawals start around 4% and grow larger as you age. Social Security taxation: Taking more from your IRA can cause more of your Social Security benefits to be taxed. IRMAA: Higher income can increase your Medicare Part B and Part D premiums. The senior deduction: Higher income can phase out the temporary $6,000 senior deduction, which is currently scheduled through 2028. The widow’s penalty: When a spouse passes away, the survivor often moves to single filing status, where tax...

2. 

   22 Sept 2026

   Family Confidence in Retirement

   You'd think people without children — who don't pay for childcare, tuition, or all the costs that come with raising a family — would feel the most confident about retirement. But according to a new study… the exact opposite is true. The reason why is something every one of us can actually do something about. Blueprint to Worry Less Wealth (https://wealthcreator.com/) The Wealth Creator Toolbox (https://financeinsights.net/0PbOhkbkkuz65b?utm_source=Radio+Show&utm_medium=Web)

3. 

   22 Sept 2026

   Retirement Paycheck Predicament

   Your parents or grandparents retired with a pension—a guaranteed check every single month for the rest of their lives. The company handled the investing, managed the risk, and your folks just cashed the check. That world is gone for most Americans. So here’s the question: if the pension disappeared, what exactly replaced it, and is it enough? Blueprint to Worry Less Wealth (https://wealthcreator.com/) The Wealth Creator Toolbox (https://financeinsights.net/0PbOhkbkkuz65b?utm_source=Radio+Show&utm_medium=Web)

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