Retirement used to be simpler when everyone had a pension.

Today, we are living in a world of IRAs and 401k plans, which means you are now in a partnership with Uncle Sam that you might not have signed up for.

This week on Retire Well, Josh Bretl explains why taxes are the single biggest variable in your retirement success.

We discuss the hidden taxes that surprise many families, like the 10 year rule for inherited IRAs and the single filer tax hike that hits after losing a spouse.

Whether you are two years out from your target date or already enjoying your free time, it is time to stop looking in the rearview mirror with tax prep and start looking ahead with tax planning.

We also answer your questions about co-signing student loans and why a second opinion on your finances might be the key to marital harmony.

Ready to talk? Call (630) 478-9599 to schedule your complimentary 15-minute call with a Wellment advisor.

What is the biggest risk to your retirement?

According to Josh Bretl, it is usually the thing you haven't even thought of yet.

This week on Retire Well, Josh shares a sobering story about a neighbor's home ruined by a burst pipe while they were away for the winter.

It's a powerful reminder that a solid retirement plan must account for more than just the good times.

We also dive into the shifting world of retirement savings, exploring why your 401(k) was never actually designed to be a pension and how you can turn that nest egg into a reliable stream of lifetime income.

From navigating market volatility caused by global conflicts to understanding the complex new rules for inherited IRAs, Josh and Mark Elliott break down how to find clarity in the complexity.

Plus, we answer your mailbag questions about legacy, career changes, and more.

Ready to talk? Call (630) 478-9599 to schedule your complimentary 15-minute call with a Wellment advisor.

Walking into retirement can feel a lot like watching your child’s first dance.

It's a mix of pride, nerves, and a lot of questions about what comes next.

This week on Retire Well, Josh Bretl and Mark Elliott dive into the emotional and financial shifts that happen when you stop punching the clock.

We talk about why your retirement strategy needs to change once you move from the "growth" phase to the "income" phase.

Josh breaks down the common leaks in retirement buckets, from hidden tax traps to the reality of Social Security cost of living adjustments.

Whether you are worried about outliving your money or just want to make sure your family is protected, we explore how a holistic plan provides the freedom to actually enjoy your hard earned savings.

It is about moving past the math and getting back to what matters most.

📞 Ready to talk? Call (630) 478-9599 to schedule your complimentary 15-minute call with a Wellment advisor.