The On-Track Retirement Show

The On-Track Retirement Showhttp://myontrackretirement.comenInvesting© 2025 Lasting Mark Retirement Group. All rights reserved.https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/66e4f77f30ae13339e23024fc4e5a9eb.jpgThe On-Track Retirement Showhttp://myontrackretirement.comTue, 06 Oct 2026 09:14:18 +0000Pat Schmidt & Jay CurattiThe On-Track Retirement Showfeeds@spreaker.comHosted by Pat Schmidt and Jay Curatti of Lasting Mark Retirement Group, The On-Track Retirement Show delivers weekly insights on tax planning, retirement income, long-term care, and smart investing. Whether you're nearing retirement or refining your...false91eb0db4-6912-55fe-b5cf-e456f54085b2episodicHow to Plan for Required Minimum Distributions Before They Become a Tax Problemhttps://www.spreaker.com/episode/how-to-plan-for-required-minimum-distributions-before-they-become-a-tax-problem--75585363
But the timing of those withdrawals can create consequences you may not expect.

In this episode of the On-Track Retirement Show, Pat Schmidt and Jay Curatti break down how Required Minimum Distributions — or RMDs — work, when they begin, how they’re calculated, and why waiting until the last minute can potentially create additional tax and Medicare consequences.

They also discuss strategies that may help you plan ahead, including Qualified Charitable Distributions, Roth conversions, coordinating withdrawals with Social Security, and thinking about your overall retirement tax strategy before RMDs begin.

In this episode, you’ll learn:

• Which retirement accounts are generally subject to RMDs
• When Required Minimum Distributions begin
• How your first RMD deadline can create a potential tax trap
• What happens if you miss an RMD
• How RMD income can affect your taxes and Medicare premiums
• How multiple IRA and retirement accounts are handled
• How Qualified Charitable Distributions may help charitably inclined retirees
• Why Roth conversions before RMD age may be worth considering
• Why retirement income, Social Security, Medicare, taxes, and estate planning should be coordinated together

The biggest takeaway: RMD planning shouldn’t begin when the IRS tells you it’s time to start taking money out. The earlier you understand how these distributions fit into your retirement plan, the more options you may have available.

🎯 Complimentary On-Track Retirement Review

Want to see how taxes, Social Security, retirement income, Medicare, and Required Minimum Distributions fit together in your retirement plan?

Schedule a complimentary On-Track Retirement Review at:
MyOnTrackRetirement.com

Our goal is to help you get on track, stay on track, and have a confident retirement.

If you found this episode helpful, be sure to like the video, subscribe to the On-Track Retirement Show, and share it with someone who is approaching retirement or already taking Required Minimum Distributions.

This content is for educational purposes only and should not be considered individualized tax, legal, or investment advice.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>https://api.spreaker.com/episode/75585363Tue, 06 Oct 2026 09:01:05 +0000Pat Schmidt & Jay CurattiRequired Minimum Distributions can seem simple: reach a certain age, take money out of your retirement accounts, and pay the taxes. But the timing of those withdrawals can create consequences you may not expect. In this episode of the On-Track...
But the timing of those withdrawals can create consequences you may not expect.

In this episode of the On-Track Retirement Show, Pat Schmidt and Jay Curatti break down how Required Minimum Distributions — or RMDs — work, when they begin, how they’re calculated, and why waiting until the last minute can potentially create additional tax and Medicare consequences.

They also discuss strategies that may help you plan ahead, including Qualified Charitable Distributions, Roth conversions, coordinating withdrawals with Social Security, and thinking about your overall retirement tax strategy before RMDs begin.

In this episode, you’ll learn:

• Which retirement accounts are generally subject to RMDs
• When Required Minimum Distributions begin
• How your first RMD deadline can create a potential tax trap
• What happens if you miss an RMD
• How RMD income can affect your taxes and Medicare premiums
• How multiple IRA and retirement accounts are handled
• How Qualified Charitable Distributions may help charitably inclined retirees
• Why Roth conversions before RMD age may be worth considering
• Why retirement income, Social Security, Medicare, taxes, and estate planning should be coordinated together

The biggest takeaway: RMD planning shouldn’t begin when the IRS tells you it’s time to start taking money out. The earlier you understand how these distributions fit into your retirement plan, the more options you may have available.

🎯 Complimentary On-Track Retirement Review

Want to see how taxes, Social Security, retirement income, Medicare, and Required Minimum Distributions fit together in your retirement plan?

Schedule a complimentary On-Track Retirement Review at:
MyOnTrackRetirement.com

Our goal is to help you get on track, stay on track, and have a confident retirement.

If you found this episode helpful, be sure to like the video, subscribe to the On-Track Retirement Show, and share it with someone who is approaching retirement or already taking Required Minimum Distributions.

This content is for educational purposes only and should not be considered individualized tax, legal, or investment advice.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>1766false131fullRoth Conversions Explained: Pay Taxes Now or Later?https://www.spreaker.com/episode/roth-conversions-explained-pay-taxes-now-or-later--75414783
The answer may be more complicated than you think.

In this episode of the On-Track Retirement Show, Jay and Pat break down Roth conversions: what they are, how they work, and why the timing of a conversion can make a major difference in your retirement tax strategy.

They discuss how traditional retirement accounts can create future tax obligations, why waiting until required minimum distributions begin could limit your options, and how a thoughtful Roth conversion strategy may help you create more flexibility for yourself, your spouse, and your beneficiaries.

In this episode, you'll learn:

• How a Roth conversion works
• The difference between Roth contributions and Roth conversions
• Why required minimum distributions matter to your tax plan
• How partial Roth conversions can be used over multiple years
• Why your lower-income retirement years may create planning opportunities
• How Roth conversions can impact a surviving spouse and future generations
• Why Social Security, Medicare, investments, and taxes should be considered together
• Why running a tax projection before making a conversion is so important

Roth conversions aren't a magic trick—and they aren't right for everyone. They're about careful, year-by-year planning based on your individual financial situation.

🎯 Want to see what this could look like for your retirement?

Schedule a complimentary On-Track Retirement Review and get a clearer picture of your retirement income, investments, taxes, and long-term strategy.
👉 MyOnTrackRetirement.com

If you found this episode helpful, subscribe to the On-Track Retirement Show, leave a comment, and share it with someone preparing for retirement.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>https://api.spreaker.com/episode/75414783Tue, 29 Sep 2026 09:01:21 +0000Pat Schmidt & Jay CurattiWould you rather pay taxes now—or pay taxes later? The answer may be more complicated than you think. In this episode of the On-Track Retirement Show, Jay and Pat break down Roth conversions: what they are, how they work, and why the timing of a...
The answer may be more complicated than you think.

In this episode of the On-Track Retirement Show, Jay and Pat break down Roth conversions: what they are, how they work, and why the timing of a conversion can make a major difference in your retirement tax strategy.

They discuss how traditional retirement accounts can create future tax obligations, why waiting until required minimum distributions begin could limit your options, and how a thoughtful Roth conversion strategy may help you create more flexibility for yourself, your spouse, and your beneficiaries.

In this episode, you'll learn:

• How a Roth conversion works
• The difference between Roth contributions and Roth conversions
• Why required minimum distributions matter to your tax plan
• How partial Roth conversions can be used over multiple years
• Why your lower-income retirement years may create planning opportunities
• How Roth conversions can impact a surviving spouse and future generations
• Why Social Security, Medicare, investments, and taxes should be considered together
• Why running a tax projection before making a conversion is so important

Roth conversions aren't a magic trick—and they aren't right for everyone. They're about careful, year-by-year planning based on your individual financial situation.

🎯 Want to see what this could look like for your retirement?

Schedule a complimentary On-Track Retirement Review and get a clearer picture of your retirement income, investments, taxes, and long-term strategy.
👉 MyOnTrackRetirement.com

If you found this episode helpful, subscribe to the On-Track Retirement Show, leave a comment, and share it with someone preparing for retirement.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>1602false130fullThe Retirement Confidence Score: How to Know if You're Truly On Trackhttps://www.spreaker.com/episode/the-retirement-confidence-score-how-to-know-if-you-re-truly-on-track--75285089
In this episode of the On-Track Retirement Show, Pat Schmidt and Jay Curatti break down the Retirement Confidence Score—a framework designed to move retirement planning beyond “I think I’ll be okay” and toward a plan built around real numbers and real strategies.

They walk through five important areas that can strengthen your retirement plan:

• Establishing your retirement income floor
• Stress-testing your investment portfolio
• Preparing for healthcare and long-term care costs
• Building flexibility for life’s unexpected expenses
• Creating greater clarity around your legacy and overall peace of mind

Then, Pat and Jay take a closer look at one decision that can dramatically influence your retirement income plan: when to claim Social Security.

From claiming strategies and spousal benefits to survivor benefits and coordinating Social Security with your other retirement assets, this conversation shows why there isn’t one retirement strategy that works for everyone.

Retirement confidence shouldn’t just be a feeling. It should come from understanding how the different pieces of your plan work together.

🎯 Want to know how your retirement plan measures up?

Schedule a complimentary On-Track Retirement Review and take a closer look at your income strategy, investments, Social Security, healthcare planning, and overall retirement readiness.

👉 Visit MyOnTrackRetirement.com to get started.

If you found this episode helpful, be sure to like, subscribe, and leave your retirement questions in the comments below.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>https://api.spreaker.com/episode/75285089Tue, 22 Sep 2026 09:01:09 +0000Pat Schmidt & Jay CurattiHow confident are you that your retirement plan will actually work? In this episode of the On-Track Retirement Show, Pat Schmidt and Jay Curatti break down the Retirement Confidence Score—a framework designed to move retirement planning beyond “I...
In this episode of the On-Track Retirement Show, Pat Schmidt and Jay Curatti break down the Retirement Confidence Score—a framework designed to move retirement planning beyond “I think I’ll be okay” and toward a plan built around real numbers and real strategies.

They walk through five important areas that can strengthen your retirement plan:

• Establishing your retirement income floor
• Stress-testing your investment portfolio
• Preparing for healthcare and long-term care costs
• Building flexibility for life’s unexpected expenses
• Creating greater clarity around your legacy and overall peace of mind

Then, Pat and Jay take a closer look at one decision that can dramatically influence your retirement income plan: when to claim Social Security.

From claiming strategies and spousal benefits to survivor benefits and coordinating Social Security with your other retirement assets, this conversation shows why there isn’t one retirement strategy that works for everyone.

Retirement confidence shouldn’t just be a feeling. It should come from understanding how the different pieces of your plan work together.

🎯 Want to know how your retirement plan measures up?

Schedule a complimentary On-Track Retirement Review and take a closer look at your income strategy, investments, Social Security, healthcare planning, and overall retirement readiness.

👉 Visit MyOnTrackRetirement.com to get started.

If you found this episode helpful, be sure to like, subscribe, and leave your retirement questions in the comments below.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>1904false129fullWhen to Take Social Security: The Biggest Decision Most Retirees Get Wronghttps://www.spreaker.com/episode/when-to-take-social-security-the-biggest-decision-most-retirees-get-wrong--75121748
For some retirees, claiming early may make sense. For others, delaying could create a significantly larger lifetime benefit. The challenge is that there isn't one age that's right for everyone.

In this episode of the On-Track Retirement Show, Jay and Pat break down some of the most important factors to consider before turning on your Social Security benefits.

They discuss how longevity can affect your decision, the difference between spousal and survivor benefits, what happens if you're still working when you claim, how taxes can impact your retirement income, and why Social Security shouldn't be considered in isolation from the rest of your retirement plan.

You'll also learn why simply running a break-even calculation may not tell the whole story — especially when a spouse, retirement accounts, taxes, and Medicare costs are part of the equation.

Social Security could represent one of the largest income-producing assets you'll have in retirement. The goal isn't simply to claim it as soon as possible or delay it as long as possible. It's to determine how it fits into your complete retirement strategy.

🎯 READY TO SEE WHAT YOUR RETIREMENT INCOME PLAN COULD LOOK LIKE?
For a complimentary review, visit MyOnTrackRetirement.com to get started.

If you found this episode helpful, subscribe to the On-Track Retirement Show and share it with someone who's approaching retirement.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>https://api.spreaker.com/episode/75121748Tue, 15 Sep 2026 09:01:11 +0000Pat Schmidt & Jay CurattiWhen should you start taking Social Security? For some retirees, claiming early may make sense. For others, delaying could create a significantly larger lifetime benefit. The challenge is that there isn't one age that's right for everyone. In this...
For some retirees, claiming early may make sense. For others, delaying could create a significantly larger lifetime benefit. The challenge is that there isn't one age that's right for everyone.

In this episode of the On-Track Retirement Show, Jay and Pat break down some of the most important factors to consider before turning on your Social Security benefits.

They discuss how longevity can affect your decision, the difference between spousal and survivor benefits, what happens if you're still working when you claim, how taxes can impact your retirement income, and why Social Security shouldn't be considered in isolation from the rest of your retirement plan.

You'll also learn why simply running a break-even calculation may not tell the whole story — especially when a spouse, retirement accounts, taxes, and Medicare costs are part of the equation.

Social Security could represent one of the largest income-producing assets you'll have in retirement. The goal isn't simply to claim it as soon as possible or delay it as long as possible. It's to determine how it fits into your complete retirement strategy.

🎯 READY TO SEE WHAT YOUR RETIREMENT INCOME PLAN COULD LOOK LIKE?
For a complimentary review, visit MyOnTrackRetirement.com to get started.

If you found this episode helpful, subscribe to the On-Track Retirement Show and share it with someone who's approaching retirement.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>1648false128fullThe Three Buckets Every Retirement Plan Needshttps://www.spreaker.com/episode/the-three-buckets-every-retirement-plan-needs--74980775
In this episode of the On-Track Retirement Show, Pat and Jay break down the three essential “buckets” every retirement plan should consider. Each bucket has a different job, from providing stability today to protecting purchasing power and creating long-term growth for the future.

You’ll learn how to think about:
✅ The Cash & Stability Bucket — money designed for safety, liquidity, and the first several years of retirement
✅ The Moderate Growth Bucket — assets positioned to help fight inflation and provide growth without taking unnecessary risk
✅ The Long-Term Growth Bucket — money focused on the later years of retirement, legacy goals, and long-term opportunities

Pat and Jay also explain why having too much money sitting in cash can create its own risks, how taxes can impact seemingly large retirement accounts, and why your retirement strategy shouldn’t be something you simply “set and forget.”A confident retirement isn’t necessarily about having the biggest portfolio. It’s about having a plan where every dollar has a purpose.

🎯 WANT TO KNOW IF YOUR RETIREMENT IS ON TRACK?

Schedule your complimentary On-Track Retirement Review:
👉 MyOnTrackRetirement.com

During your review, you’ll have an opportunity to evaluate the key areas of your retirement strategy and identify where you may be able to gain greater clarity and confidence.

Subscribe to the On-Track Retirement Show for more conversations designed to help you get on track, stay on track, and enjoy a confident retirement.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>https://api.spreaker.com/episode/74980775Tue, 08 Sep 2026 09:01:49 +0000Pat Schmidt & Jay CurattiHaving enough money for retirement is important—but where you keep that money and how it’s organized can make just as big a difference. In this episode of the On-Track Retirement Show, Pat and Jay break down the three essential “buckets” every...
In this episode of the On-Track Retirement Show, Pat and Jay break down the three essential “buckets” every retirement plan should consider. Each bucket has a different job, from providing stability today to protecting purchasing power and creating long-term growth for the future.

You’ll learn how to think about:
✅ The Cash & Stability Bucket — money designed for safety, liquidity, and the first several years of retirement
✅ The Moderate Growth Bucket — assets positioned to help fight inflation and provide growth without taking unnecessary risk
✅ The Long-Term Growth Bucket — money focused on the later years of retirement, legacy goals, and long-term opportunities

Pat and Jay also explain why having too much money sitting in cash can create its own risks, how taxes can impact seemingly large retirement accounts, and why your retirement strategy shouldn’t be something you simply “set and forget.”A confident retirement isn’t necessarily about having the biggest portfolio. It’s about having a plan where every dollar has a purpose.

🎯 WANT TO KNOW IF YOUR RETIREMENT IS ON TRACK?

Schedule your complimentary On-Track Retirement Review:
👉 MyOnTrackRetirement.com

During your review, you’ll have an opportunity to evaluate the key areas of your retirement strategy and identify where you may be able to gain greater clarity and confidence.

Subscribe to the On-Track Retirement Show for more conversations designed to help you get on track, stay on track, and enjoy a confident retirement.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>1142false127fullHow Much Cash Should You Really Have in Retirement?https://www.spreaker.com/episode/how-much-cash-should-you-really-have-in-retirement--74772660
Having too little available could force you to sell investments at the worst possible time. But keeping too much sitting in checking or savings could mean missing opportunities for growth and allowing inflation to slowly eat away at your purchasing power.

In this episode of the On-Track Retirement Show, Pat Schmidt and Jay Curatti break down how to think about finding the right balance.

They discuss:

• How much emergency cash retirees may want to keep readily available
• Why your monthly expenses should help determine your cash reserve
• The potential downside of keeping too much money in low-interest accounts
• What can happen when you don't have enough liquidity during a market downturn
• How CDs, money markets and other market-safe strategies can fit into a retirement plan
• How laddering strategies can help keep money accessible while still putting it to work
• The four key retirement "buckets" of income, market risk, market-safe money and emergency reserves
• Why coordinating all of these pieces can create greater flexibility and peace of mind

The goal isn't simply to have more cash or less cash. It's to have the right amount for your lifestyle, expenses, goals and overall retirement strategy.

➡️ Want a second opinion on your retirement plan?

Schedule a complimentary On-Track Retirement Review at MyOnTrackRetirement.com.

During your review, the team can help you evaluate how your current strategy is positioned for your short-term, mid-term and long-term retirement goals.

Watch the full episode to learn how a well-organized cash and liquidity strategy can help you stay prepared for life's unexpected expenses without leaving too much of your retirement savings sitting on the sidelines.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>https://api.spreaker.com/episode/74772660Tue, 01 Sep 2026 09:01:25 +0000Pat Schmidt & Jay CurattiHow much cash should you really keep in retirement? Having too little available could force you to sell investments at the worst possible time. But keeping too much sitting in checking or savings could mean missing opportunities for growth and...
Having too little available could force you to sell investments at the worst possible time. But keeping too much sitting in checking or savings could mean missing opportunities for growth and allowing inflation to slowly eat away at your purchasing power.

In this episode of the On-Track Retirement Show, Pat Schmidt and Jay Curatti break down how to think about finding the right balance.

They discuss:

• How much emergency cash retirees may want to keep readily available
• Why your monthly expenses should help determine your cash reserve
• The potential downside of keeping too much money in low-interest accounts
• What can happen when you don't have enough liquidity during a market downturn
• How CDs, money markets and other market-safe strategies can fit into a retirement plan
• How laddering strategies can help keep money accessible while still putting it to work
• The four key retirement "buckets" of income, market risk, market-safe money and emergency reserves
• Why coordinating all of these pieces can create greater flexibility and peace of mind

The goal isn't simply to have more cash or less cash. It's to have the right amount for your lifestyle, expenses, goals and overall retirement strategy.

➡️ Want a second opinion on your retirement plan?

Schedule a complimentary On-Track Retirement Review at MyOnTrackRetirement.com.

During your review, the team can help you evaluate how your current strategy is positioned for your short-term, mid-term and long-term retirement goals.

Watch the full episode to learn how a well-organized cash and liquidity strategy can help you stay prepared for life's unexpected expenses without leaving too much of your retirement savings sitting on the sidelines.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>1521false126fullWhy Paying Off Your Mortgage Before Retirement Could Be a Mistakehttps://www.spreaker.com/episode/why-paying-off-your-mortgage-before-retirement-could-be-a-mistake--74661304
But what if paying off your mortgage could actually make your retirement less secure?

In this episode of the On-Track Retirement Show, Jay and Pat break down the emotional appeal of paying off your home versus the financial reality of doing so. Before writing that final check, there are several important questions to consider.

They discuss:

The tax consequences of pulling a large lump sum from a pre-tax retirement account
Why a low-interest mortgage may be worth keeping
How paying off your house can affect your retirement liquidity
The potential Medicare implications of creating a large taxable-income event
Whether your money could be working harder somewhere else
How future home repairs, travel, family needs, and emergencies factor into the decision
Why your long-term plans for the home matter
How a balanced or hybrid approach could provide both flexibility and peace of mind

Paying off your mortgage before retirement isn't automatically right or wrong. The key is understanding how that decision fits into your entire retirement picture.

Before making a major financial move based purely on emotion, check the math and make sure the decision supports the retirement you actually want.

👉 Ready to see if your retirement plan is truly on track?

Visit MyOnTrackRetirement.com

Subscribe to the On-Track Retirement Show for more practical conversations designed to help you get on track, stay on track, and enjoy a more confident retirement.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>https://api.spreaker.com/episode/74661304Tue, 25 Aug 2026 09:03:28 +0000Pat Schmidt & Jay CurattiFor many Americans, entering retirement with a paid-off house feels like the ultimate financial milestone. No mortgage payment. No debt. More peace of mind. But what if paying off your mortgage could actually make your retirement less secure? In...
But what if paying off your mortgage could actually make your retirement less secure?

In this episode of the On-Track Retirement Show, Jay and Pat break down the emotional appeal of paying off your home versus the financial reality of doing so. Before writing that final check, there are several important questions to consider.

They discuss:

The tax consequences of pulling a large lump sum from a pre-tax retirement account
Why a low-interest mortgage may be worth keeping
How paying off your house can affect your retirement liquidity
The potential Medicare implications of creating a large taxable-income event
Whether your money could be working harder somewhere else
How future home repairs, travel, family needs, and emergencies factor into the decision
Why your long-term plans for the home matter
How a balanced or hybrid approach could provide both flexibility and peace of mind

Paying off your mortgage before retirement isn't automatically right or wrong. The key is understanding how that decision fits into your entire retirement picture.

Before making a major financial move based purely on emotion, check the math and make sure the decision supports the retirement you actually want.

👉 Ready to see if your retirement plan is truly on track?

Visit MyOnTrackRetirement.com

Subscribe to the On-Track Retirement Show for more practical conversations designed to help you get on track, stay on track, and enjoy a more confident retirement.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>1365false125fullThe Sequence of Returns Trap: The Risk Nobody Talks Abouthttps://www.spreaker.com/episode/the-sequence-of-returns-trap-the-risk-nobody-talks-about--74226659Two retirees. Same savings. Same average returns. Completely different retirement outcomes.

Why? Timing.

In this episode of the On-Track Retirement Show, Pat Schmidt and Jay Curatti break down the sequence of returns trap—one of the biggest risks retirees can face when they begin taking income from their investments.

Using a simple example of two retirees who each begin with $1 million and withdraw $60,000 per year, they demonstrate how experiencing market losses early in retirement can create a dramatically different outcome—even when the average returns are identical.

In this episode, you'll discover:

Why the first few years of retirement can have an outsized impact on your financial future
How identical average returns can produce very different retirement outcomes
Why “average rate of return” doesn't always tell the whole story
How withdrawals can amplify market losses
Why your income strategy may be just as important as your investment strategy
How retirement guardrails and stress testing can help prepare your plan for market downturns
Why a customized retirement income plan can help you prepare for the unexpected

Why the first few years of retirement can have an outsized impact on your financial future
How identical average returns can produce very different retirement outcomes
Why “average rate of return” doesn't always tell the whole story
How withdrawals can amplify market losses
Why your income strategy may be just as important as your investment strategy
How retirement guardrails and stress testing can help prepare your plan for market downturns
Why a customized retirement income plan can help you prepare for the unexpected

Retirement shouldn't depend on hoping the market cooperates at exactly the right time. The goal is to build a plan designed to help you get on track, stay on track, and have a confident retirement.

Want a second opinion on your retirement plan?
👉 FOR A COMPLIMENTARY ON-TRACK RETIREMENT REVIEW

Visit MyOnTrackRetirement.com to schedule your complimentary On-Track Retirement Review.

Subscribe for more conversations designed to help you make informed decisions as you approach and move through retirement.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>1282false124fullThe Retirement Stress Test: 7 Questions Every Family Should Answerhttps://www.spreaker.com/episode/the-retirement-stress-test-7-questions-every-family-should-answer--73775177
A confident retirement isn’t necessarily about reaching a magic savings number. It’s about having a plan that can handle the unexpected.

In this episode of the On-Track Retirement Show, Pat Schmidt and Jay Curatti walk through seven important questions every retiree and pre-retiree should be able to answer before stepping into retirement.

They discuss:
• What happens to your retirement income if the market takes a major downturn
• How losing a spouse could affect income, Social Security, pensions, and household finances
• Whether your retirement income plan is prepared for years of inflation
• How a long-term care need could affect your family and your savings
• Why taxes on 401(k)s, IRAs, and other retirement accounts deserve attention before retirement
• The importance of getting spouses and family members aligned on retirement goals
• The ultimate question: If retirement started tomorrow, would you feel confident?

Retirement isn’t simply a financial finish line—it’s a major life transition. The goal isn’t to eliminate every unknown. It’s to build a plan that reduces unnecessary surprises and gives you greater clarity about what comes next.

Want a second opinion on your retirement plan?

👉 Schedule a complimentary On-Track Retirement Review at MyOnTrackRetirement.com

During your review, the On-Track Retirement team can help you evaluate your current strategy, identify potential retirement roadblocks, and determine whether you’re truly on track for the retirement you want.

If this episode helped you, be sure to like, subscribe, and share the On-Track Retirement Show with someone who is preparing for retirement.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>https://api.spreaker.com/episode/73775177Tue, 11 Aug 2026 09:05:18 +0000Pat Schmidt & Jay CurattiWhat would happen to your retirement plan if the market dropped 30%? What if taxes rise, inflation stays elevated, or you or your spouse suddenly need long-term care? A confident retirement isn’t necessarily about reaching a magic savings number....
A confident retirement isn’t necessarily about reaching a magic savings number. It’s about having a plan that can handle the unexpected.

In this episode of the On-Track Retirement Show, Pat Schmidt and Jay Curatti walk through seven important questions every retiree and pre-retiree should be able to answer before stepping into retirement.

They discuss:
• What happens to your retirement income if the market takes a major downturn
• How losing a spouse could affect income, Social Security, pensions, and household finances
• Whether your retirement income plan is prepared for years of inflation
• How a long-term care need could affect your family and your savings
• Why taxes on 401(k)s, IRAs, and other retirement accounts deserve attention before retirement
• The importance of getting spouses and family members aligned on retirement goals
• The ultimate question: If retirement started tomorrow, would you feel confident?

Retirement isn’t simply a financial finish line—it’s a major life transition. The goal isn’t to eliminate every unknown. It’s to build a plan that reduces unnecessary surprises and gives you greater clarity about what comes next.

Want a second opinion on your retirement plan?

👉 Schedule a complimentary On-Track Retirement Review at MyOnTrackRetirement.com

During your review, the On-Track Retirement team can help you evaluate your current strategy, identify potential retirement roadblocks, and determine whether you’re truly on track for the retirement you want.

If this episode helped you, be sure to like, subscribe, and share the On-Track Retirement Show with someone who is preparing for retirement.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>2089false123fullRetirement Isn’t the Finish Line—It’s The Restarthttps://www.spreaker.com/episode/retirement-isn-t-the-finish-line-it-s-the-restart--73287444
In this episode of the On-Track Retirement Show, Pat Schmidt and Jay Curatti explore the four stages many people experience after leaving the workforce:

• The celebration stage
• The adjustment stage
• The discovery stage
• The contribution stage

They discuss why preparing financially is only one part of retirement planning. A truly fulfilling retirement also requires you to think about your purpose, relationships, passions, goals, and the legacy you want to leave behind.

You’ll also learn why it is important to ask not only, “What am I retiring from?” but also, “What am I retiring to?”Whether your next chapter includes traveling, spending time with family, serving your community, mentoring others, pursuing a new passion, or creating a meaningful legacy, a thoughtful retirement plan can give you the freedom and confidence to make it possible.Ready for a second opinion on your retirement strategy?

Visit MyOnTrackRetirement.com to schedule your complimentary On-Track Retirement Review and speak with a member of our retirement advising team.

Get on track. Stay on track. Have a confident retirement.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>https://api.spreaker.com/episode/73287444Tue, 04 Aug 2026 09:00:17 +0000Pat Schmidt & Jay CurattiFor most of our lives, retirement feels like the finish line. We work, save, sacrifice, and look forward to the day when we finally have more freedom. But retirement is not the end of your story—it can be the beginning of an entirely new chapter. In...
In this episode of the On-Track Retirement Show, Pat Schmidt and Jay Curatti explore the four stages many people experience after leaving the workforce:

• The celebration stage
• The adjustment stage
• The discovery stage
• The contribution stage

They discuss why preparing financially is only one part of retirement planning. A truly fulfilling retirement also requires you to think about your purpose, relationships, passions, goals, and the legacy you want to leave behind.

You’ll also learn why it is important to ask not only, “What am I retiring from?” but also, “What am I retiring to?”Whether your next chapter includes traveling, spending time with family, serving your community, mentoring others, pursuing a new passion, or creating a meaningful legacy, a thoughtful retirement plan can give you the freedom and confidence to make it possible.Ready for a second opinion on your retirement strategy?

Visit MyOnTrackRetirement.com to schedule your complimentary On-Track Retirement Review and speak with a member of our retirement advising team.

Get on track. Stay on track. Have a confident retirement.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>1182false122fullWhat Retirees Regret Most And How to Avoid Ithttps://www.spreaker.com/episode/what-retirees-regret-most-and-how-to-avoid-it--73198876
Surprisingly, many of the most common retirement regrets have little to do with investment returns. Instead, they center on time, family, health, purpose, preparation, and having the confidence to truly enjoy retirement.

In this episode of the On-Track Retirement Show, Jay and Pat discuss five of the biggest regrets they hear from retirees:• Waiting too long to retire
• Not spending enough time with family and friends
• Neglecting physical and emotional health
• Entering retirement without a detailed plan
• Living too cautiously and missing meaningful experiences

Retirement planning is not simply about accumulating the largest account balance possible. It is about creating a strategy that allows you to spend time with the people you love, pursue meaningful experiences, care for your health, live generously, and enjoy your retirement with greater confidence.

A comprehensive retirement plan should help answer important questions such as:

Where will your retirement income come from?
How could taxes affect your savings?
What happens if the market declines?
How will you prepare for healthcare and long-term care costs?
What happens financially if one spouse passes away?

The goal is not merely to have a long retirement. The goal is to have a healthy, purposeful, confident retirement without looking back and wishing you had done more.

Visit MyOnTrackRetirement.com to get started.

Schedule your complimentary On-Track Retirement Review at MyOnTrackRetirement.com.

During your review, our retirement advising team can help you evaluate your current strategy, address your unanswered questions, and determine whether your plan is aligned with the retirement you want to experience.

Get on track. Stay on track. Live a confident retirement.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>https://api.spreaker.com/episode/73198876Tue, 28 Jul 2026 09:00:31 +0000Pat Schmidt & Jay CurattiWhat do retirees wish they had done differently? Surprisingly, many of the most common retirement regrets have little to do with investment returns. Instead, they center on time, family, health, purpose, preparation, and having the confidence to...
Surprisingly, many of the most common retirement regrets have little to do with investment returns. Instead, they center on time, family, health, purpose, preparation, and having the confidence to truly enjoy retirement.

In this episode of the On-Track Retirement Show, Jay and Pat discuss five of the biggest regrets they hear from retirees:• Waiting too long to retire
• Not spending enough time with family and friends
• Neglecting physical and emotional health
• Entering retirement without a detailed plan
• Living too cautiously and missing meaningful experiences

Retirement planning is not simply about accumulating the largest account balance possible. It is about creating a strategy that allows you to spend time with the people you love, pursue meaningful experiences, care for your health, live generously, and enjoy your retirement with greater confidence.

A comprehensive retirement plan should help answer important questions such as:

Where will your retirement income come from?
How could taxes affect your savings?
What happens if the market declines?
How will you prepare for healthcare and long-term care costs?
What happens financially if one spouse passes away?

The goal is not merely to have a long retirement. The goal is to have a healthy, purposeful, confident retirement without looking back and wishing you had done more.

Visit MyOnTrackRetirement.com to get started.

Schedule your complimentary On-Track Retirement Review at MyOnTrackRetirement.com.

During your review, our retirement advising team can help you evaluate your current strategy, address your unanswered questions, and determine whether your plan is aligned with the retirement you want to experience.

Get on track. Stay on track. Live a confident retirement.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>1493false121fullThe Retirement Red Zone: The 5 Years That Change Everythinghttps://www.spreaker.com/episode/the-retirement-red-zone-the-5-years-that-change-everything--73078570
Retirement has a red zone, too: the five years leading up to retirement and the first five years after you retire. During this critical window, financial mistakes can become magnified—and you may not have decades to recover from them.

In this episode of the On-Track Retirement Show, Pat and Jay explain why the strategies that helped you accumulate wealth may not be the same strategies you need as you begin living from it. They also break down five major decisions that should be coordinated as part of your retirement game plan:

• Creating a written retirement income plan
• Managing market risk and protecting your savings
• Developing a proactive tax strategy
• Preparing for healthcare and long-term care expenses
• Choosing the right time to claim Social Security

Retirement planning should not be a collection of disconnected decisions. Your income, investments, taxes, healthcare strategy, and Social Security benefits all need to work together.

Before you continue running the same financial plays, it may be time to call a timeout, huddle up, and make sure you have the right playbook for this stage of life.

🏈 READY TO REVIEW YOUR RETIREMENT GAME PLAN?

Receive a complimentary On-Track Retirement Review and discover whether your current strategy is designed to help you successfully navigate the retirement red zone.

Visit MyOnTrackRetirement.com to get started.

Subscribe to the On-Track Retirement Show for more conversations designed to help you get on track, stay on track, and enjoy a confident retirement.#RetirementPlanning

#RetirementIncome #FinancialPlanning #SocialSecurity #RetirementTaxes

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>https://api.spreaker.com/episode/73078570Tue, 21 Jul 2026 12:00:02 +0000Pat Schmidt & Jay CurattiIn football, games are often won or lost in the red zone. The field gets tighter, the pressure increases, and every decision matters. Retirement has a red zone, too: the five years leading up to retirement and the first five years after you retire....
Retirement has a red zone, too: the five years leading up to retirement and the first five years after you retire. During this critical window, financial mistakes can become magnified—and you may not have decades to recover from them.

In this episode of the On-Track Retirement Show, Pat and Jay explain why the strategies that helped you accumulate wealth may not be the same strategies you need as you begin living from it. They also break down five major decisions that should be coordinated as part of your retirement game plan:

• Creating a written retirement income plan
• Managing market risk and protecting your savings
• Developing a proactive tax strategy
• Preparing for healthcare and long-term care expenses
• Choosing the right time to claim Social Security

Retirement planning should not be a collection of disconnected decisions. Your income, investments, taxes, healthcare strategy, and Social Security benefits all need to work together.

Before you continue running the same financial plays, it may be time to call a timeout, huddle up, and make sure you have the right playbook for this stage of life.

🏈 READY TO REVIEW YOUR RETIREMENT GAME PLAN?

Receive a complimentary On-Track Retirement Review and discover whether your current strategy is designed to help you successfully navigate the retirement red zone.

Visit MyOnTrackRetirement.com to get started.

Subscribe to the On-Track Retirement Show for more conversations designed to help you get on track, stay on track, and enjoy a confident retirement.#RetirementPlanning

#RetirementIncome #FinancialPlanning #SocialSecurity #RetirementTaxes

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>1892false120fullCan You Really Retire In A Market Like This?https://www.spreaker.com/episode/can-you-really-retire-in-a-market-like-this--72954435Can I really afford to retire right now?" you're not alone.

In this episode of the On-Track Retirement Show, Pat Schmidt and Jay Curatti explain why successful retirement isn't about predicting what the markets will do next—it's about building a plan that can weather uncertainty.

You'll learn:

Why market volatility affects retirees differently than those still saving
The biggest mistake many pre-retirees make with their investment portfolios
How sequence of returns risk can impact your retirement income
Why having an investment portfolio isn't the same as having a retirement strategy
The importance of income planning, tax planning, healthcare planning, and protecting your retirement savings
How a coordinated retirement plan can provide confidence regardless of market conditions

Instead of reacting to every headline, discover how thoughtful planning can help you retire with greater peace of mind and confidence.

📍 Schedule Your Complimentary On-Track Retirement Review:
👉 MyOnTrackRetirement.com

If you found this episode helpful, be sure to:
👍 Like this video
💬 Leave us a comment with your retirement questions
📺 Subscribe for more retirement planning insights each week

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>https://api.spreaker.com/episode/72954435Tue, 14 Jul 2026 09:00:23 +0000Pat Schmidt & Jay CurattiRetirement can feel overwhelming when every headline is talking about market volatility, inflation, interest rates, and economic uncertainty. If you're asking yourself, "Can I really afford to retire right now?" you're not alone. In this episode of...Can I really afford to retire right now?" you're not alone.

In this episode of the On-Track Retirement Show, Pat Schmidt and Jay Curatti explain why successful retirement isn't about predicting what the markets will do next—it's about building a plan that can weather uncertainty.

You'll learn:

Why market volatility affects retirees differently than those still saving
The biggest mistake many pre-retirees make with their investment portfolios
How sequence of returns risk can impact your retirement income
Why having an investment portfolio isn't the same as having a retirement strategy
The importance of income planning, tax planning, healthcare planning, and protecting your retirement savings
How a coordinated retirement plan can provide confidence regardless of market conditions

Instead of reacting to every headline, discover how thoughtful planning can help you retire with greater peace of mind and confidence.

📍 Schedule Your Complimentary On-Track Retirement Review:
👉 MyOnTrackRetirement.com

If you found this episode helpful, be sure to:
👍 Like this video
💬 Leave us a comment with your retirement questions
📺 Subscribe for more retirement planning insights each week

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>1368false119fullWhy Your Retirement Plan May Not Survive Inflationhttps://www.spreaker.com/episode/why-your-retirement-plan-may-not-survive-inflation--72843976
While inflation rarely makes headlines every day, it quietly chips away at your purchasing power year after year. In this episode of the On-Track Retirement Show, Pat and Jay explain why inflation is one of the most underestimated risks retirees face and how it can impact your income, healthcare costs, taxes, and overall retirement lifestyle.

In this episode, you'll learn:

Why inflation can be more dangerous than market volatility over time
How a 3% inflation rate can nearly double your living expenses over 20 years
Why healthcare inflation deserves special attention in retirement
The hidden risks of holding too much cash or relying solely on CDs
Why true retirement planning requires both protection and long-term growth
How to create a retirement strategy designed to keep pace with inflation

A successful retirement isn't just about how much you've saved—it's about creating a plan that helps your money work for you throughout retirement

.👉 Schedule your complimentary On-Track Retirement Review today:
MyOnTrackRetirement.com

📺 Watch more episodes of the On-Track Retirement Show for practical retirement planning strategies designed to help you retire with confidence.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>https://api.spreaker.com/episode/72843976Tue, 07 Jul 2026 12:00:03 +0000Pat Schmidt & Jay CurattiWhat if the biggest threat to your retirement isn't a market crash—but inflation? While inflation rarely makes headlines every day, it quietly chips away at your purchasing power year after year. In this episode of the On-Track Retirement Show, Pat...
While inflation rarely makes headlines every day, it quietly chips away at your purchasing power year after year. In this episode of the On-Track Retirement Show, Pat and Jay explain why inflation is one of the most underestimated risks retirees face and how it can impact your income, healthcare costs, taxes, and overall retirement lifestyle.

In this episode, you'll learn:

Why inflation can be more dangerous than market volatility over time
How a 3% inflation rate can nearly double your living expenses over 20 years
Why healthcare inflation deserves special attention in retirement
The hidden risks of holding too much cash or relying solely on CDs
Why true retirement planning requires both protection and long-term growth
How to create a retirement strategy designed to keep pace with inflation

A successful retirement isn't just about how much you've saved—it's about creating a plan that helps your money work for you throughout retirement

.👉 Schedule your complimentary On-Track Retirement Review today:
MyOnTrackRetirement.com

📺 Watch more episodes of the On-Track Retirement Show for practical retirement planning strategies designed to help you retire with confidence.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>1379false118fullThe Retirement Identity Crisis: Who Are You Without Work?https://www.spreaker.com/episode/the-retirement-identity-crisis-who-are-you-without-work--72741422You've spent decades building your career, raising a family, and preparing financially for retirement—but have you prepared emotionally?

In this episode of the On-Track Retirement Show, Pat Schmidt and Jay Curatti explore one of the biggest challenges retirees face: the Retirement Identity Crisis. While many people carefully plan their finances, few take time to consider what life will actually look and feel like after the career they've built comes to an end.

Join us as we discuss:

Why retirement can feel unexpectedly disorienting
The difference between retiring from work and retiring to something meaningful
The four things retirees miss most after leaving the workforce
How purpose, relationships, community, and contribution create a fulfilling retirement
Questions everyone should ask before making the transition into retirement

Why retirement can feel unexpectedly disorienting
The difference between retiring from work and retiring to something meaningful
The four things retirees miss most after leaving the workforce
How purpose, relationships, community, and contribution create a fulfilling retirement
Questions everyone should ask before making the transition into retirement

Retirement isn't about stopping life—it's about redesigning it. The most successful retirees don't simply leave work behind; they intentionally build a life filled with purpose, connection, and meaning.

👉 Schedule your complimentary On-Track Retirement Review:
MyOnTrackRetirement.com

📺 Subscribe for more retirement planning strategies that go beyond investments and taxes to help you retire with confidence.

#RetirementPlanning #RetirementLifestyle #PurposeInRetirement #FinancialPlanning #OnTrackRetirement

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>1095false117fullThe Healthcare Blind Spot That Derails Retirement Planshttps://www.spreaker.com/episode/the-healthcare-blind-spot-that-derails-retirement-plans--72650117
You’ll learn:
• Why healthcare may be the biggest expense in retirement
• The difference between Medicare, Medicaid, and long-term care coverage
• The real statistics behind long-term care needs
• Common mistakes retirees make when planning for healthcare costs
• Strategies that may help protect your retirement savings and family
• How hybrid life insurance and long-term care solutions work

The reality is simple: ignoring healthcare planning doesn’t make the risk disappear. The sooner you understand your options, the more confidence and peace of mind you can have about the future.

👉 Schedule a complimentary On-Track Retirement Review at MyOnTrackRetirement.com

If you found this episode helpful, be sure to like, subscribe, and share it with someone preparing for retirement.#RetirementPlanning

#LongTermCare #HealthcareCosts #Retirement #FinancialPlanning #Medicare #RetirementIncome #OnTrackRetirement

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>https://api.spreaker.com/episode/72650117Tue, 23 Jun 2026 13:08:43 +0000Pat Schmidt & Jay CurattiIn this episode of the On-Track Retirement Show, Pat Schmidt and Jay Curatti tackle one of the biggest retirement blind spots most people ignore: long-term care and rising healthcare costs. From Medicare misconceptions to the true cost of assisted...
You’ll learn:
• Why healthcare may be the biggest expense in retirement
• The difference between Medicare, Medicaid, and long-term care coverage
• The real statistics behind long-term care needs
• Common mistakes retirees make when planning for healthcare costs
• Strategies that may help protect your retirement savings and family
• How hybrid life insurance and long-term care solutions work

The reality is simple: ignoring healthcare planning doesn’t make the risk disappear. The sooner you understand your options, the more confidence and peace of mind you can have about the future.

👉 Schedule a complimentary On-Track Retirement Review at MyOnTrackRetirement.com

If you found this episode helpful, be sure to like, subscribe, and share it with someone preparing for retirement.#RetirementPlanning

#LongTermCare #HealthcareCosts #Retirement #FinancialPlanning #Medicare #RetirementIncome #OnTrackRetirement

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>1708false116fullWhy Your IRA Could Be Your Biggest Retirement Riskhttps://www.spreaker.com/episode/why-your-ira-could-be-your-biggest-retirement-risk--72542774
In this episode of the On-Track Retirement Show, Pat Schmidt and Jay Curatti break down the hidden tax dangers many retirees never see coming — including required minimum distributions (RMDs), the “widow’s penalty,” and how inherited IRAs can create massive tax burdens for your children.

You’ll learn:
• Why traditional IRAs, 401(k)s, 403(b)s, and TSPs may carry hidden tax exposure
• How the SECURE Act changed inherited retirement accounts forever
• What the “kiddos penalty” could mean for your family legacy
• Why waiting until RMD age could cost retirees hundreds of thousands in taxes
• How proactive Roth conversion strategies may help reduce taxes in retirement
• The real-life story of “Jim & Kathy” and how they transformed their retirement strategy

If you’re approaching retirement or already retired, this episode will help you better understand how taxes can impact your income, Medicare premiums, and the legacy you leave behind.

👉 Schedule your complimentary On-Track Retirement Review at
MyOnTrackRetirement.com

If you enjoyed this episode, make sure to:
✔ Subscribe to the channel
✔ Like this video
✔ Share it with someone planning for retirement

✔ Leave your questions or comments below#RetirementPlanning #IRA #RothConversion #RetirementTaxes #FinancialPlanning #OnTrackRetirement #401k #RetirementIncome #TaxPlanning #RetirementStrategies

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>https://api.spreaker.com/episode/72542774Tue, 16 Jun 2026 12:00:02 +0000Pat Schmidt & Jay CurattiHave you spent decades building your retirement savings… only to discover your IRA could become one of your biggest tax liabilities? In this episode of the On-Track Retirement Show, Pat Schmidt and Jay Curatti break down the hidden tax dangers many...
In this episode of the On-Track Retirement Show, Pat Schmidt and Jay Curatti break down the hidden tax dangers many retirees never see coming — including required minimum distributions (RMDs), the “widow’s penalty,” and how inherited IRAs can create massive tax burdens for your children.

You’ll learn:
• Why traditional IRAs, 401(k)s, 403(b)s, and TSPs may carry hidden tax exposure
• How the SECURE Act changed inherited retirement accounts forever
• What the “kiddos penalty” could mean for your family legacy
• Why waiting until RMD age could cost retirees hundreds of thousands in taxes
• How proactive Roth conversion strategies may help reduce taxes in retirement
• The real-life story of “Jim & Kathy” and how they transformed their retirement strategy

If you’re approaching retirement or already retired, this episode will help you better understand how taxes can impact your income, Medicare premiums, and the legacy you leave behind.

👉 Schedule your complimentary On-Track Retirement Review at
MyOnTrackRetirement.com

If you enjoyed this episode, make sure to:
✔ Subscribe to the channel
✔ Like this video
✔ Share it with someone planning for retirement

✔ Leave your questions or comments below#RetirementPlanning #IRA #RothConversion #RetirementTaxes #FinancialPlanning #OnTrackRetirement #401k #RetirementIncome #TaxPlanning #RetirementStrategies

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>1818false116fullHow to Turn Your Savings Into a Retirement Paycheckhttps://www.spreaker.com/episode/how-to-turn-your-savings-into-a-retirement-paycheck--72436176
In this episode of the On-Track Retirement Show, Pat Schmidt and Jay Curatti break down one of the biggest fears retirees face: running out of money in retirement. From understanding your monthly income needs to maximizing Social Security, pensions, and retirement income strategies, this conversation is packed with practical insights designed to help you retire with confidence.

In this episode, you’ll learn:
• Why retirement income planning is different from saving for retirement
• The biggest mistakes retirees make with withdrawals and budgeting
• How Social Security spousal and survivor benefits work
• Why pension election decisions matter more than most people realize
• The importance of creating predictable, reliable retirement income
• How to prepare for unexpected expenses in retirement
• Why having a written income strategy can help reduce financial stress

Whether you’re approaching retirement or already retired, this episode will help you think differently about creating a paycheck for life.👉 Schedule Your Complimentary On-Track Retirement Review at MyOnTrackRetirement.com

If you found this episode helpful, make sure to:
✔ Like this video
✔ Subscribe to the channel
✔ Share this episode with someone preparing for retirement

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>https://api.spreaker.com/episode/72436176Tue, 09 Jun 2026 12:55:50 +0000Pat Schmidt & Jay CurattiAre you worried about turning your retirement savings into reliable income that lasts? You’re not alone. In this episode of the On-Track Retirement Show, Pat Schmidt and Jay Curatti break down one of the biggest fears retirees face: running out of...
In this episode of the On-Track Retirement Show, Pat Schmidt and Jay Curatti break down one of the biggest fears retirees face: running out of money in retirement. From understanding your monthly income needs to maximizing Social Security, pensions, and retirement income strategies, this conversation is packed with practical insights designed to help you retire with confidence.

In this episode, you’ll learn:
• Why retirement income planning is different from saving for retirement
• The biggest mistakes retirees make with withdrawals and budgeting
• How Social Security spousal and survivor benefits work
• Why pension election decisions matter more than most people realize
• The importance of creating predictable, reliable retirement income
• How to prepare for unexpected expenses in retirement
• Why having a written income strategy can help reduce financial stress

Whether you’re approaching retirement or already retired, this episode will help you think differently about creating a paycheck for life.👉 Schedule Your Complimentary On-Track Retirement Review at MyOnTrackRetirement.com

If you found this episode helpful, make sure to:
✔ Like this video
✔ Subscribe to the channel
✔ Share this episode with someone preparing for retirement

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>1780false114fullAnnuities: Smart Retirement Tool or Costly Mistake?https://www.spreaker.com/episode/annuities-smart-retirement-tool-or-costly-mistake--72295576
In this episode of the On-Track Retirement Show, Pat Schmidt and Jay Caratti break down one of the most misunderstood and debated topics in retirement planning: annuities.

From the “good, bad, and ugly” of annuities to the differences between fixed, variable, immediate, and fixed index annuities, this conversation is designed to help you better understand how these tools actually work — and whether they may fit into your retirement plan.

You’ll learn:
• The 4 main types of annuities explained in simple terms
• Why some retirees love annuities — and why others regret them
• The hidden dangers of high-fee variable annuities
• How fixed index annuities protect against market losses
• The “100 minus your age” retirement risk rule
• Why protecting your retirement may matter more than chasing returns
• How peace of mind and predictable income can change retirement

Whether you’re approaching retirement or already retired, this episode will help you think differently about risk, income, taxes, and long-term financial confidence

.👉 Schedule your complimentary On-Track Retirement Review at MyOnTrackRetirement.com

If you enjoyed this episode, make sure to LIKE, SUBSCRIBE, and SHARE with someone preparing for retirement.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>https://api.spreaker.com/episode/72295576Tue, 02 Jun 2026 12:36:19 +0000Pat Schmidt & Jay CurattiAre annuities a smart retirement strategy… or one of the biggest mistakes you can make with your money? In this episode of the On-Track Retirement Show, Pat Schmidt and Jay Caratti break down one of the most misunderstood and debated topics in...
In this episode of the On-Track Retirement Show, Pat Schmidt and Jay Caratti break down one of the most misunderstood and debated topics in retirement planning: annuities.

From the “good, bad, and ugly” of annuities to the differences between fixed, variable, immediate, and fixed index annuities, this conversation is designed to help you better understand how these tools actually work — and whether they may fit into your retirement plan.

You’ll learn:
• The 4 main types of annuities explained in simple terms
• Why some retirees love annuities — and why others regret them
• The hidden dangers of high-fee variable annuities
• How fixed index annuities protect against market losses
• The “100 minus your age” retirement risk rule
• Why protecting your retirement may matter more than chasing returns
• How peace of mind and predictable income can change retirement

Whether you’re approaching retirement or already retired, this episode will help you think differently about risk, income, taxes, and long-term financial confidence

.👉 Schedule your complimentary On-Track Retirement Review at MyOnTrackRetirement.com

If you enjoyed this episode, make sure to LIKE, SUBSCRIBE, and SHARE with someone preparing for retirement.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>2380falsefullWhat if retirement lasts 30 years… or more?https://www.spreaker.com/episode/what-if-retirement-lasts-30-years-or-more--72118435
In this episode of the On-Track Retirement Show, Jay and Pat tackle one of the biggest risks retirees face — living longer than expected. While many people plan for retirement, far too few truly plan for longevity, rising healthcare costs, inflation, long-term care, and the hidden impact of investment fees over time.

If you retire at 65 and live to 95, that’s potentially three decades of income needs, healthcare expenses, market volatility, and financial decisions. The question becomes: Will your retirement plan hold up?

In this episode, you’ll learn:

Why longevity risk may be the most overlooked retirement threat
How inflation quietly doubles income needs over time
The growing cost of healthcare and long-term care
Why hidden investment fees can significantly impact retirement income
The importance of building a reliable income plan you can’t outlive
How retirement confidence comes from proactive planning, not guesswork

Why longevity risk may be the most overlooked retirement threat
How inflation quietly doubles income needs over time
The growing cost of healthcare and long-term care
Why hidden investment fees can significantly impact retirement income
The importance of building a reliable income plan you can’t outlive
How retirement confidence comes from proactive planning, not guesswork

The goal of retirement planning isn’t just to survive retirement — it’s to enjoy it with confidence, clarity, and peace of mind.

👉 Schedule your complimentary On-Track Retirement Review at MyOnTrackRetirement.com

If you found this episode helpful, make sure to LIKE, SUBSCRIBE, and SHARE this video with someone preparing for retirement.

#RetirementPlanning #RetirementIncome #FinancialPlanning #RetirementShow #LongTermCare #RetirementConfidence #Inflation #RetirementStrategy #OnTrackRetirement

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>1579false112fullThe $1M Mistake Retirees Don't See Cominghttps://www.spreaker.com/episode/the-1m-mistake-retirees-don-t-see-coming--72060315
In this episode of the On-Track Retirement Show, Jay Curatti and Pat Schmidt break down one of the biggest retirement mistakes people never see coming — believing that having a large nest egg automatically guarantees financial security.

The truth? Retirement isn’t just about how much money you have. It’s about having a plan for how that money works for you.

In this conversation, you’ll discover:
• Why retirees with the exact same savings can experience completely different outcomes
• The hidden danger of sequence of returns risk
• Why market downturns can permanently damage a retirement portfolio
• The critical difference between accumulation and distribution planning
• How income planning creates confidence in retirement
• Why “the 4% rule” and “6% rule” may not be enough
• The importance of stress-testing your retirement plan before retirement begins

Jay and Pat also walk through a powerful real-world example comparing two retirees — “Bill” and “Steve” — who both retired with $500,000 and withdrew the same amount every year… but ended up with dramatically different results simply because of when they retired.

If you’re within 10 years of retirement or already retired, this episode is packed with practical insights to help you protect your future and retire with confidence.

👇 Schedule Your Complimentary On-Track Retirement Review:
http://www.MyOnTrackRetirement.com

Our mission is simple:
Help you get on track, stay on track, and have a confident retirement.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>https://api.spreaker.com/episode/72060315Tue, 19 May 2026 09:00:23 +0000Pat Schmidt & Jay CurattiWhat if you could retire with $1 million… and still run out of money? In this episode of the On-Track Retirement Show, Jay Curatti and Pat Schmidt break down one of the biggest retirement mistakes people never see coming — believing that having a...
In this episode of the On-Track Retirement Show, Jay Curatti and Pat Schmidt break down one of the biggest retirement mistakes people never see coming — believing that having a large nest egg automatically guarantees financial security.

The truth? Retirement isn’t just about how much money you have. It’s about having a plan for how that money works for you.

In this conversation, you’ll discover:
• Why retirees with the exact same savings can experience completely different outcomes
• The hidden danger of sequence of returns risk
• Why market downturns can permanently damage a retirement portfolio
• The critical difference between accumulation and distribution planning
• How income planning creates confidence in retirement
• Why “the 4% rule” and “6% rule” may not be enough
• The importance of stress-testing your retirement plan before retirement begins

Jay and Pat also walk through a powerful real-world example comparing two retirees — “Bill” and “Steve” — who both retired with $500,000 and withdrew the same amount every year… but ended up with dramatically different results simply because of when they retired.

If you’re within 10 years of retirement or already retired, this episode is packed with practical insights to help you protect your future and retire with confidence.

👇 Schedule Your Complimentary On-Track Retirement Review:
http://www.MyOnTrackRetirement.com

Our mission is simple:
Help you get on track, stay on track, and have a confident retirement.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>1530false111fullGet Ahead With This 6-Part Retirement Frameworkhttps://www.spreaker.com/episode/get-ahead-with-this-6-part-retirement-framework--71961475But what if the most important financial decisions actually happen before you ever get there?

In this episode of the On-Track Retirement Show, we break down why age 60 might be the most financially dangerous window of your life—and how the 5 years leading up to retirement can determine whether you experience confidence… or uncertainty for decades to come.

If you’ve been saving, investing, and doing “all the right things”… but still aren’t sure if you’re truly ready—this episode is for you.

💡 WHAT YOU’LL LEARN:

Why the “Retirement Red Zone” (ages 60–65) is critical
The biggest mistakes people make before retirement
How to shift from saving → creating reliable income
Why taxes, healthcare, and fees can quietly derail your plan
The 6-part IMPACT framework every great retirement plan needs:
- Income Plan
- Market-Safe Strategy
- Proactive Tax Plan
- Asset Protection
- Care Plan
- Transparency

⚠️ THE REAL PROBLEM:

You can do everything right for 30–40 years…
…and still get the last 5 years wrong.

That’s where most retirement plans fall apart.

🧭 THE GOOD NEWS:

With the right strategy, those final years can become a clear, confident transition—not a guessing game.

👉 READY TO SEE WHERE YOU STAND?

👉 Schedule your Complimentary On-Track Retirement Review:
👉 https://www.myontrackretirement.com

Get clarity, confidence, and a real plan—with no pressure.

👍 DON’T FORGET:

✔️ Like this video
✔️ Subscribe for more retirement strategies
✔️ Share this with someone within 5 years of retirement

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>https://api.spreaker.com/episode/71961475Tue, 12 May 2026 09:00:19 +0000Pat Schmidt & Jay CurattiMost people think retirement planning starts at 65… But what if the most important financial decisions actually happen before you ever get there? In this episode of the On-Track Retirement Show, we break down why age 60 might be the most financially...But what if the most important financial decisions actually happen before you ever get there?

In this episode of the On-Track Retirement Show, we break down why age 60 might be the most financially dangerous window of your life—and how the 5 years leading up to retirement can determine whether you experience confidence… or uncertainty for decades to come.

If you’ve been saving, investing, and doing “all the right things”… but still aren’t sure if you’re truly ready—this episode is for you.

💡 WHAT YOU’LL LEARN:

Why the “Retirement Red Zone” (ages 60–65) is critical
The biggest mistakes people make before retirement
How to shift from saving → creating reliable income
Why taxes, healthcare, and fees can quietly derail your plan
The 6-part IMPACT framework every great retirement plan needs:
- Income Plan
- Market-Safe Strategy
- Proactive Tax Plan
- Asset Protection
- Care Plan
- Transparency

⚠️ THE REAL PROBLEM:

You can do everything right for 30–40 years…
…and still get the last 5 years wrong.

That’s where most retirement plans fall apart.

🧭 THE GOOD NEWS:

With the right strategy, those final years can become a clear, confident transition—not a guessing game.

👉 READY TO SEE WHERE YOU STAND?

👉 Schedule your Complimentary On-Track Retirement Review:
👉 https://www.myontrackretirement.com

Get clarity, confidence, and a real plan—with no pressure.

👍 DON’T FORGET:

✔️ Like this video
✔️ Subscribe for more retirement strategies
✔️ Share this with someone within 5 years of retirement

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>1963false110fullWhy Retirement Taxes SKYROCKET After Losing a Spousehttps://www.spreaker.com/episode/why-retirement-taxes-skyrocket-after-losing-a-spouse--71863805What if nothing went wrong…
…but your taxes still doubled?

In this episode of the On-Track Retirement Show, we unpack one of the most overlooked—and uncomfortable—risks in retirement planning: the widow’s tax penalty.

It’s not caused by bad investments.
It’s not caused by poor planning.

It happens when life changes—and your tax situation changes with it.

“Her lifestyle didn’t change… but her taxes nearly doubled.”

⚠️ The Problem: A Hidden Tax Shock Waiting to Happen

When one spouse passes away, your filing status shifts from married filing jointly → single filer.That one change can:

Compress your tax brackets
Increase your effective tax rate
Trigger higher Medicare premiums (IRMAA)
Force larger taxable withdrawals from retirement accounts

And the worst part?
👉 Most people don’t realize it until it’s already happening.

🧭 What You’ll Learn in This Episode

The truth about the “widow’s penalty” (and why it’s so costly)
The difference between tax brackets vs. effective tax rate
How required minimum distributions (RMDs) can increase your tax burden
Why traditional IRAs and 401(k)s can become a tax trap
How the SECURE Act impacts your kids and beneficiaries
Strategies like Roth conversions to reduce long-term taxes
Why proactive tax planning can create generational impact

💡 The Solution: Be Proactive, Not ReactiveYou can’t control what happens in life…
but you can control how prepared you are.Smart retirement planning means:

Coordinating income, taxes, and investments
Understanding future tax exposure
Creating a strategy that protects both you and your family

Because at the end of the day:
👉 It’s not just about how much you make…
👉 It’s about how much you keep.

🚀 Take the Next Step

Want to know how this could impact your retirement plan?
👉 Schedule your Complimentary On-Track Retirement Review at https://www.myontrackretirement.com

We’ll help you:

Identify hidden tax risks
Understand your future tax exposure
Build a plan designed for confidence and clarity

👍 Don’t Miss What’s NextIf this episode helped you:

Like 👍
Subscribe 🔔
Share this with someone you care about

Because the truth is—if this affects you…
it likely affects them too.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>https://api.spreaker.com/episode/71863805Tue, 05 May 2026 09:00:30 +0000Pat Schmidt & Jay CurattiWhat if nothing went wrong… …but your taxes still doubled? In this episode of the On-Track Retirement Show, we unpack one of the most overlooked—and uncomfortable—risks in retirement planning: the widow’s tax penalty. It’s not caused by bad...What if nothing went wrong…
…but your taxes still doubled?

In this episode of the On-Track Retirement Show, we unpack one of the most overlooked—and uncomfortable—risks in retirement planning: the widow’s tax penalty.

It’s not caused by bad investments.
It’s not caused by poor planning.

It happens when life changes—and your tax situation changes with it.

“Her lifestyle didn’t change… but her taxes nearly doubled.”

⚠️ The Problem: A Hidden Tax Shock Waiting to Happen

When one spouse passes away, your filing status shifts from married filing jointly → single filer.That one change can:

Compress your tax brackets
Increase your effective tax rate
Trigger higher Medicare premiums (IRMAA)
Force larger taxable withdrawals from retirement accounts

And the worst part?
👉 Most people don’t realize it until it’s already happening.

🧭 What You’ll Learn in This Episode

The truth about the “widow’s penalty” (and why it’s so costly)
The difference between tax brackets vs. effective tax rate
How required minimum distributions (RMDs) can increase your tax burden
Why traditional IRAs and 401(k)s can become a tax trap
How the SECURE Act impacts your kids and beneficiaries
Strategies like Roth conversions to reduce long-term taxes
Why proactive tax planning can create generational impact

💡 The Solution: Be Proactive, Not ReactiveYou can’t control what happens in life…
but you can control how prepared you are.Smart retirement planning means:

Coordinating income, taxes, and investments
Understanding future tax exposure
Creating a strategy that protects both you and your family

Identify hidden tax risks
Understand your future tax exposure
Build a plan designed for confidence and clarity

👍 Don’t Miss What’s NextIf this episode helped you:

Like 👍
Subscribe 🔔
Share this with someone you care about

Because the truth is—if this affects you…
it likely affects them too.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>1871falsefullThe Truth About Retirement Fees No One Explainshttps://www.spreaker.com/episode/the-truth-about-retirement-fees-no-one-explains--71679798What if the biggest threat to your retirement… isn’t the market—but something you don’t even see?

In this episode of the On-Track Retirement Show, Pat and Jay uncover what they call the “silent killer” of retirement: hidden fees. What most people think is a simple 1% fee can quietly turn into 2%–2.5% or more—costing tens of thousands of dollars every single year.

And here’s the problem…
Most retirees don’t even know it’s happening.

Inside this episode, you’ll discover:

Why “1% fees” are often misleading—and what you’re really paying
The hidden layers of fees (advisor, fund, platform, commissions)
How fees can reduce gains AND amplify losses
Why fees matter even more once you enter retirement
The smarter questions you should be asking your advisor right now

Because retirement isn’t just about what you earn…
It’s about what you keep.

If you want clarity, confidence, and control over your financial future—this episode is for you.
🚀 Take the Next Step

Want to know exactly what you’re paying—and how it’s impacting your retirement?👉 Schedule your complimentary On-Track Retirement Review here:
https://www.myontrackretirement.com In this no-cost review, you’ll get:

A full fee analysis (including hidden costs)
A personalized retirement strategy
Clear next steps to help you stay on track

🔔 Don’t Miss What’s Next

Subscribe for more episodes designed to help you get on track, stay on track, and enjoy a confident retirement.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>https://api.spreaker.com/episode/71679798Tue, 28 Apr 2026 09:00:26 +0000Pat Schmidt & Jay CurattiWhat if the biggest threat to your retirement… isn’t the market—but something you don’t even see? In this episode of the On-Track Retirement Show, Pat and Jay uncover what they call the “silent killer” of retirement: hidden fees. What most people...What if the biggest threat to your retirement… isn’t the market—but something you don’t even see?

In this episode of the On-Track Retirement Show, Pat and Jay uncover what they call the “silent killer” of retirement: hidden fees. What most people think is a simple 1% fee can quietly turn into 2%–2.5% or more—costing tens of thousands of dollars every single year.

And here’s the problem…
Most retirees don’t even know it’s happening.

Inside this episode, you’ll discover:

Why “1% fees” are often misleading—and what you’re really paying
The hidden layers of fees (advisor, fund, platform, commissions)
How fees can reduce gains AND amplify losses
Why fees matter even more once you enter retirement
The smarter questions you should be asking your advisor right now

A full fee analysis (including hidden costs)
A personalized retirement strategy
Clear next steps to help you stay on track

🔔 Don’t Miss What’s Next

Subscribe for more episodes designed to help you get on track, stay on track, and enjoy a confident retirement.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>1724false18fullWhy “Diversified” Portfolios Still Lose Moneyhttps://www.spreaker.com/episode/why-diversified-portfolios-still-lose-money--71499959really diversified… or does it just feel that way?

In this episode of the On-Track Retirement Show, Pat and Jay unpack one of the biggest misconceptions in retirement planning: the illusion of diversification.

A client came in with 18 different mutual funds—on the surface, it looked impressive. But after a deeper analysis, they discovered something shocking…
👉 Nearly 90% of his portfolio was still moving with the market.

That’s not diversification. That’s exposure.

If you’re nearing retirement—or already there—this episode will help you understand:

Why owning multiple investments doesn’t mean you’re protected
How hidden overlap inside mutual funds can increase risk
What a true retirement plan should actually include
And how to build confidence, not just complexity, into your strategy

Because real diversification isn’t just about investments…It’s about having a plan for:
✔ Income
✔ Market Risk
✔ Taxes
✔ Healthcare
✔ Fees

When those areas are aligned, something powerful happens—
👉 You stop guessing… and start feeling confident about your future.

🧠 KEY TAKEAWAY

Just because you have multiple accounts, funds, or strategies…
does NOT mean you’re truly diversified.

Clarity creates confidence.
And confidence creates peace of mind.

🔗 TAKE THE NEXT STEP
If this episode made you question your current strategy… that’s a good thing.

👉 Schedule your complimentary On-Track Retirement Review at https://www.myontrackretirement.com

We’ll help you:

Identify hidden risks
Stress test your portfolio
Build a plan designed for income, protection, and long-term confidence

🔔 DON’T FORGET

If you found value in this episode:
👍 Like
💬 Comment
📩 Share with someone planning for retirement
🔔 Subscribe for more strategies to help you get—and stay—on track

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>https://api.spreaker.com/episode/71499959Tue, 21 Apr 2026 09:00:28 +0000Pat Schmidt & Jay CurattiAre you really diversified… or does it just feel that way? In this episode of the On-Track Retirement Show, Pat and Jay unpack one of the biggest misconceptions in retirement planning: the illusion of diversification. A client came in with 18...really diversified… or does it just feel that way?

In this episode of the On-Track Retirement Show, Pat and Jay unpack one of the biggest misconceptions in retirement planning: the illusion of diversification.

A client came in with 18 different mutual funds—on the surface, it looked impressive. But after a deeper analysis, they discovered something shocking…
👉 Nearly 90% of his portfolio was still moving with the market.

That’s not diversification. That’s exposure.

If you’re nearing retirement—or already there—this episode will help you understand:

Why owning multiple investments doesn’t mean you’re protected
How hidden overlap inside mutual funds can increase risk
What a true retirement plan should actually include
And how to build confidence, not just complexity, into your strategy

Identify hidden risks
Stress test your portfolio
Build a plan designed for income, protection, and long-term confidence

🔔 DON’T FORGET

If you found value in this episode:
👍 Like
💬 Comment
📩 Share with someone planning for retirement
🔔 Subscribe for more strategies to help you get—and stay—on track

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>1915false17fullThe Retirement Readiness Test: Are You Really On-Track?https://www.spreaker.com/episode/the-retirement-readiness-test-are-you-really-on-track--71297004
At 9:50 AM, the markets open—and within minutes, your portfolio is down six figures. That moment forces a different question:

👉 Not “How much did I lose?” but… “Am I still okay?”

In this episode of the On-Track Retirement Show, hosts Pat Schmidt and Jay Curatti walk you through a powerful Retirement Readiness Test—designed to answer the question most people avoid:

Are you actually on track… or just hoping you are?

🔍 Inside This Episode:
Most people don’t have a real retirement plan—they have accounts, statements, and assumptions. Today, we break down the 5 critical questions that separate guesswork from true confidence:

✔️ What happens if the market drops 30%?
✔️ Do you know your tax bill 10 years from now?
✔️ Is your retirement income actually mapped out?
✔️ Have you planned for rising healthcare costs?
✔️ Could you stop working tomorrow with confidence?

Through real-life stories, you’ll see how small gaps in planning can turn into major risks—and how the right strategy can create clarity, control, and peace of mind.

💡 The Truth About Retirement

Retirement isn’t about how much money you have.It’s about:

Confidence in your income
Clarity in your plan
Control over your future

Confidence in your income
Clarity in your plan
Control over your future

Because you don’t drift into a confident retirement…
👉 You design one.

🚀 TAKE THE NEXT STEP
If this episode raised questions about your own plan—that’s a good thing.

You can take the next step with a complimentary On-Track Retirement Review—a no-pressure diagnostic designed to show you one thing:
👉 Are you truly on track… or not?
🔗 Learn more here: http://myontrackretirement.com/

📌 Don’t Forget:
👍 Like this video
📲 Subscribe for more retirement strategies
🔔 Turn on notifications so you never miss an episode

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>1537false16full5 Silent Retirement Killers You Need to Knowhttps://www.spreaker.com/episode/5-silent-retirement-killers-you-need-to-know--71137769
In this episode of the On-Track Retirement Show, hosts Pat Schmidt and Jay Curatti break down the 5 most common (and costly) retirement planning mistakes—and how to avoid them before it’s too late.

Because here’s the truth:
Retirement doesn’t usually fall apart overnight… it unravels slowly. One missed detail. One delayed decision. One assumption left unchecked.

If you’ve worked hard, saved consistently, and done “everything right”… this episode is for you.

🚨 In This Episode, We Cover:
✔️ Why a written income plan matters more than your portfolio
✔️ The danger of taking too much OR too little risk
✔️ The hidden tax time bomb in retirement accounts
✔️ Why healthcare costs can derail even solid plans
✔️ The most expensive mistake of all: waiting too long to get help

💡 Key Takeaway
Retirement isn’t just about building wealth…
It’s about protecting it, structuring it, and turning it into reliable income you can count on.

Confidence in retirement doesn’t come from hoping things work out.
It comes from knowing you’ve addressed the risks.

📅 Ready to Take the Next Step?If you want clarity around your retirement plan and avoid these mistakes:
👉 Schedule your complimentary On-Track Retirement Review
🌐 Visit: http://myontrackretirement.com/

No pressure. Just a clear path forward.

👍 Don’t Forget:
✔️ Subscribe for more retirement strategies
✔️ Like this video if you found value
✔️ Share with someone who needs to hear this

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>https://api.spreaker.com/episode/71137769Tue, 07 Apr 2026 09:00:15 +0000Pat Schmidt & Jay CurattiAre you unknowingly making mistakes that could quietly derail your retirement? In this episode of the On-Track Retirement Show, hosts Pat Schmidt and Jay Curatti break down the 5 most common (and costly) retirement planning mistakes—and how to avoid...
In this episode of the On-Track Retirement Show, hosts Pat Schmidt and Jay Curatti break down the 5 most common (and costly) retirement planning mistakes—and how to avoid them before it’s too late.

Because here’s the truth:
Retirement doesn’t usually fall apart overnight… it unravels slowly. One missed detail. One delayed decision. One assumption left unchecked.

If you’ve worked hard, saved consistently, and done “everything right”… this episode is for you.

🚨 In This Episode, We Cover:
✔️ Why a written income plan matters more than your portfolio
✔️ The danger of taking too much OR too little risk
✔️ The hidden tax time bomb in retirement accounts
✔️ Why healthcare costs can derail even solid plans
✔️ The most expensive mistake of all: waiting too long to get help

💡 Key Takeaway
Retirement isn’t just about building wealth…
It’s about protecting it, structuring it, and turning it into reliable income you can count on.

Confidence in retirement doesn’t come from hoping things work out.
It comes from knowing you’ve addressed the risks.

📅 Ready to Take the Next Step?If you want clarity around your retirement plan and avoid these mistakes:
👉 Schedule your complimentary On-Track Retirement Review
🌐 Visit: http://myontrackretirement.com/

No pressure. Just a clear path forward.

👍 Don’t Forget:
✔️ Subscribe for more retirement strategies
✔️ Like this video if you found value
✔️ Share with someone who needs to hear this

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>1508false15full5 Retirement Myths You Should Ignore (And What's Actually True)https://www.spreaker.com/episode/5-retirement-myths-you-should-ignore-and-what-s-actually-true--71005392
In this episode of the On-Track Retirement Show, we break down 5 common retirement myths that quietly derail even the most well-intentioned plans. These aren’t reckless mistakes—they’re assumptions that feel safe, familiar, and widely accepted.

But here’s the truth:

Comfort doesn’t equal clarity. And assumptions don’t equal a strategy.

In this episode, you’ll discover:

Why you may spend MORE—not less—in retirement
The real story behind Social Security’s future
Why owning mutual funds doesn’t automatically mean you’re diversified
What Medicare actually covers… and what it doesn’t
The dangerous assumption of “I’ll just work longer”

Most retirement plans don’t fail overnight.
They slowly erode because of unchecked assumptions.

This conversation is designed to help you replace uncertainty with structure—so you can move forward with confidence, clarity, and control.

👉 If this episode challenges even one assumption you’ve had about retirement… it’s doing its job.

🔎 Key Takeaway:
Don’t build your retirement on assumptions.
Build it on analysis, clarity, and intentional planning.

📅 Want Help Stress Testing Your Plan?

If you want to see how your current plan holds up, consider scheduling a complimentary On-Track Retirement Review—a no-pressure conversation designed to bring clarity to your future.
http://myontrackretirement.com/

👍 Enjoying the Show?

Subscribe for more episodes
Share this with someone planning for retirement
Drop a comment with your biggest takeaway

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>https://api.spreaker.com/episode/71005392Tue, 31 Mar 2026 09:00:20 +0000Pat Schmidt & Jay CurattiWhat if the biggest threat to your retirement… isn’t the market? In this episode of the On-Track Retirement Show, we break down 5 common retirement myths that quietly derail even the most well-intentioned plans. These aren’t reckless mistakes—they’re...
In this episode of the On-Track Retirement Show, we break down 5 common retirement myths that quietly derail even the most well-intentioned plans. These aren’t reckless mistakes—they’re assumptions that feel safe, familiar, and widely accepted.

But here’s the truth:

Comfort doesn’t equal clarity. And assumptions don’t equal a strategy.

In this episode, you’ll discover:

Why you may spend MORE—not less—in retirement
The real story behind Social Security’s future
Why owning mutual funds doesn’t automatically mean you’re diversified
What Medicare actually covers… and what it doesn’t
The dangerous assumption of “I’ll just work longer”

Subscribe for more episodes
Share this with someone planning for retirement
Drop a comment with your biggest takeaway

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>1419false14fullStop Guessing About Retirement — Follow This 4-Step Frameworkhttps://www.spreaker.com/episode/stop-guessing-about-retirement-follow-this-4-step-framework--70837464“Are we actually going to be okay?” — you’re not alone.

The truth is, most people heading into retirement have done everything right—saved, worked hard, sacrificed—and still feel uncertain.

In this episode of the On-Track Retirement Show, we break down the 4-step framework to real financial freedom—not flashy, social-media freedom… but the kind that helps you sleep at night.

Because retirement isn’t about having more money.
It’s about having clarity, confidence, and control.

Here’s what you’ll learn:
✔️ Why knowing your income number matters more than your net worth
✔️ How to build a retirement plan that prioritizes stability over speculation
✔️ The hidden risks most retirees overlook (and how to protect against them)
✔️ Why lack of coordination quietly destroys financial plans
✔️ How to turn anxiety into confidence—with a clear, structured plan

If you’ve ever asked yourself:

“What happens if the market drops again?”
“Are we exposed to more risk than we realize?”
“Do we actually have a plan… or just accounts?”

This episode is for you.

💡 The 4 Steps to Financial Freedom:

Clarity – Know your real income and lifestyle needs
Income First – Build a foundation you can rely on
Control – Manage risks before they manage you
Coordination – Make every part of your plan work together

“What happens if the market drops again?”
“Are we exposed to more risk than we realize?”
“Do we actually have a plan… or just accounts?”

This episode is for you.

💡 The 4 Steps to Financial Freedom:

Clarity – Know your real income and lifestyle needs
Income First – Build a foundation you can rely on
Control – Manage risks before they manage you
Coordination – Make every part of your plan work together

🚀 Ready to Get Clarity on Your Retirement Plan?

If you want to walk through these steps personally, we invite you to a complimentary On-Track Retirement Review—a no-pressure conversation focused on clarity and confidence.

👉 Learn more here: https://myontrackretirement.com

👍 Don’t forget to:
✔️ Like the video
✔️ Subscribe for more retirement insights
✔️ Share with someone who needs peace of mind about their future

Financial freedom isn’t about chasing more.
It’s about protecting what you’ve already built.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>1262false13full5 Smart Money Moves Every Retiree Should Understandhttps://www.spreaker.com/episode/5-smart-money-moves-every-retiree-should-understand--70670612
That single question reveals the difference between hoping your retirement works and having a strategy built to withstand uncertainty.

In this episode of The On-Track Retirement Show, Pat Schmidt and Jay Curatti break down the 5 smart money moves every retiree should understand to build a more confident, worry-free retirement.

Because retirement investing isn’t about chasing the biggest returns anymore — it’s about protecting income, managing risk, and avoiding costly mistakes.

You’ll learn:
• Why using accumulation strategies during retirement can be dangerous
• What sequence of returns risk is — and why most retirees have never heard of it
• Why your income should never depend entirely on the stock market
• The hidden fees quietly draining retirement portfolios
• Why tax planning can dramatically impact your retirement income
• How to manage risk without sacrificing long-term growthMost retirees are still investing the same way they did at 35 years old — but retirement requires a completely different strategy.

Remember:
Smart investing in retirement isn’t about maximizing return — it’s about minimizing regret.If you want to understand how your investments, income, and risk are structured for retirement, this episode will give you a clear place to start.

The 5 Smart Money Moves Covered in This Episode
1️⃣ Build a reliable income floor
2️⃣ Segment assets by purpose (short-term, mid-term, long-term)
3️⃣ Reduce unnecessary investment fees
4️⃣ Position assets strategically for tax efficiency
5️⃣ Manage risk without eliminating long-term growth

Want Clarity Around Your Retirement Plan?

Schedule a complimentary On-Track Retirement Review — a pressure-free conversation designed to show you exactly where you stand.

Learn more here:
👉 https://myontrackretirement.com

👍 If you found this helpful:
• Subscribe for more retirement guidance
• Share this with someone planning for retirement
• Leave a comment with your biggest retirement question

📺 Next Episode:
The 4 Biggest Retirement Mistakes — and How to Avoid ThemSubscribe so you don’t miss it.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>https://api.spreaker.com/episode/70670612Tue, 17 Mar 2026 09:00:18 +0000Pat Schmidt & Jay CurattiIf the market dropped 25% tomorrow, would your retirement plan change… or just your stress level? That single question reveals the difference between hoping your retirement works and having a strategy built to withstand uncertainty. In this episode...
That single question reveals the difference between hoping your retirement works and having a strategy built to withstand uncertainty.

In this episode of The On-Track Retirement Show, Pat Schmidt and Jay Curatti break down the 5 smart money moves every retiree should understand to build a more confident, worry-free retirement.

Because retirement investing isn’t about chasing the biggest returns anymore — it’s about protecting income, managing risk, and avoiding costly mistakes.

You’ll learn:
• Why using accumulation strategies during retirement can be dangerous
• What sequence of returns risk is — and why most retirees have never heard of it
• Why your income should never depend entirely on the stock market
• The hidden fees quietly draining retirement portfolios
• Why tax planning can dramatically impact your retirement income
• How to manage risk without sacrificing long-term growthMost retirees are still investing the same way they did at 35 years old — but retirement requires a completely different strategy.

Remember:
Smart investing in retirement isn’t about maximizing return — it’s about minimizing regret.If you want to understand how your investments, income, and risk are structured for retirement, this episode will give you a clear place to start.

The 5 Smart Money Moves Covered in This Episode
1️⃣ Build a reliable income floor
2️⃣ Segment assets by purpose (short-term, mid-term, long-term)
3️⃣ Reduce unnecessary investment fees
4️⃣ Position assets strategically for tax efficiency
5️⃣ Manage risk without eliminating long-term growth

Want Clarity Around Your Retirement Plan?

Schedule a complimentary On-Track Retirement Review — a pressure-free conversation designed to show you exactly where you stand.

Learn more here:
👉 https://myontrackretirement.com

👍 If you found this helpful:
• Subscribe for more retirement guidance
• Share this with someone planning for retirement
• Leave a comment with your biggest retirement question

📺 Next Episode:
The 4 Biggest Retirement Mistakes — and How to Avoid ThemSubscribe so you don’t miss it.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>1016false12fullRetirement Confidence Starts With This One Thing: The On-Track Retirement Showhttps://www.spreaker.com/episode/retirement-confidence-starts-with-this-one-thing-the-on-track-retirement-show--70555287Have you ever laid awake at night wondering:

“What if we’ve missed something in our retirement plan?”

You’re not alone.

Many people spend decades saving for retirement, but still feel uncertain about whether they’re truly on track. The truth is, most people don’t fail at retirement because they didn’t save enough — they struggle because they lack clarity.

In this inaugural episode of The On-Track Retirement Show, Pat Schmidt and Jay Curatti explain why retirement planning isn’t just about how much money you have — it’s about having a clear roadmap.

Just like a long road trip, retirement can come with unexpected detours, roadblocks, and risks. Without a plan to navigate them, even the most prepared retirees can feel uncertain.

In this episode, you’ll learn:
• Why clarity — not just savings — determines retirement confidence
• The 5 major retirement roadblocks that derail many retirees
• Why having money and having peace of mind are two different things
• The difference between hopeful retirement vs confident retirement
• The IMPACT Framework for building a coordinated retirement plan

Retirement shouldn't feel like guesswork. With the right strategy, it can be one of the most fulfilling chapters of your life.

If you’re within 5–10 years of retirement or already retired, this conversation will help you better understand the risks, opportunities, and planning strategies that can help you move forward with confidence.

Subscribe for more episodes designed to help you stay informed, reduce financial stress, and build a retirement you can truly enjoy.

Schedule your complimentary On-Track Retirement Review:
👉 https://myontrackretirement.com

👍 Like, Subscribe, and Share if you want practical retirement guidance without hype, jargon, or fear tactics.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>https://api.spreaker.com/episode/70555287Tue, 10 Mar 2026 09:00:19 +0000Pat Schmidt & Jay CurattiHave you ever laid awake at night wondering: “What if we’ve missed something in our retirement plan?” You’re not alone. Many people spend decades saving for retirement, but still feel uncertain about whether they’re truly on track. The truth is,...Have you ever laid awake at night wondering:

“What if we’ve missed something in our retirement plan?”

You’re not alone.

Many people spend decades saving for retirement, but still feel uncertain about whether they’re truly on track. The truth is, most people don’t fail at retirement because they didn’t save enough — they struggle because they lack clarity.

In this inaugural episode of The On-Track Retirement Show, Pat Schmidt and Jay Curatti explain why retirement planning isn’t just about how much money you have — it’s about having a clear roadmap.

Just like a long road trip, retirement can come with unexpected detours, roadblocks, and risks. Without a plan to navigate them, even the most prepared retirees can feel uncertain.

In this episode, you’ll learn:
• Why clarity — not just savings — determines retirement confidence
• The 5 major retirement roadblocks that derail many retirees
• Why having money and having peace of mind are two different things
• The difference between hopeful retirement vs confident retirement
• The IMPACT Framework for building a coordinated retirement plan

Retirement shouldn't feel like guesswork. With the right strategy, it can be one of the most fulfilling chapters of your life.

If you’re within 5–10 years of retirement or already retired, this conversation will help you better understand the risks, opportunities, and planning strategies that can help you move forward with confidence.

Subscribe for more episodes designed to help you stay informed, reduce financial stress, and build a retirement you can truly enjoy.

Schedule your complimentary On-Track Retirement Review:
👉 https://myontrackretirement.com

👍 Like, Subscribe, and Share if you want practical retirement guidance without hype, jargon, or fear tactics.

Thanks for listening! If today's episode was helpful, subscribe so you never miss a Tuesday episode. Ready to build your retirement plan? Visit us at myontrackretirement.com]]>1050false11full