Retirement Your Way

Podcast Extra: Saving strategies in a High-Cost Environment

AmeriLife Retirement.Radio Network — Tue, 07 Apr 2026 20:03:11 +0000

Happy "America Saves Week!"

Guest: Shikha Narula, Head of Consumer Deposit Products at Bank of America

Key Takeaways from the Interview:

Saving remains a priority—but it’s challenging:
~52% of Americans say saving is a top priority
~72% say inflation and cost of living are impacting finances
Automation is one of the easiest wins:
Tools like debit round-ups (e.g., “Keep the Change”)
Recurring automatic transfers to “pay yourself first”
Balance saving with lifestyle (don’t eliminate joy spending):
Cut back—not cut out—small treats
Identify “joy spending” categories and prioritize intentionally
Use the 50/30/20 framework:
50% needs
30% wants
20% savings
Make big goals more achievable:
Break savings goals into smaller milestones
Set deadlines and celebrate progress
Use separate accounts for specific goals (reduces temptation)
Free up extra cash with small adjustments:
Review subscriptions
Reduce unnecessary spending (rideshare, etc.)
Small changes can compound over time
Helpful resources mentioned:
America Saves Week
BetterMoneyHabits.com
Bank of America Life Plan tools

Schedule your complimentary consultation today:
386-320-6406
PlanRetirementYourWay.com

About the Hosts:
Bradley serves as an Investment Advisor Representative and Registered Social Security Analyst. Madison is a licensed life and health insurance agent and also a Registered Social Security Analyst.

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and AmeriLife are separate companies but are affiliated through common ownership. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents. Not affiliated with the United States government. Bradley and Madison Hardin do not offer tax or legal advice. Consult with your tax advisor or attorney regarding specific situations. Opinions expressed are subject to change without notice. These opinions are not intended to predict future performance of any product. All information provided is believed to be from reliable sources. However, we make no representation or warranty as to the accuracy of any statement. This information is intended to be educational in nature and does not provide a guarantee or a specific result. All copyrights and trademarks are the property of their respective owners. AmeriLife assumes no responsibility or liability for the content of this message. The information contained herein is provided on an as-is basis with no guarantees of completeness, accuracy, usefulness, timeliness, or the results obtained from the use of this information.

Podcast Extra: Financial Literacy Month

AmeriLife Retirement.Radio Network — Wed, 01 Apr 2026 20:19:11 +0000

April is National Financial Literacy Month. It started back in the early 2000s when Congress realized too many Americans were leaving school without the first clue about how to manage a paycheck, a credit card, or a financial future. Fast-forward to 2026, and the problem hasn’t gone away. Nearly half of U.S. adults still give themselves a C-minus or worse on money knowledge…
Key Points Covered:

Review one monthly bill and see if you can cut, renegotiate, or cancel it
Set one small savings goal — even twenty bucks a paycheck counts
Learn just one new money concept — like how compound interest works for you instead of against you
Sit down with your partner or your kids and have one honest conversation about money. No judgment, Just real talk

Schedule your complimentary consultation today:
386-320-6406
PlanRetirementYourWay.com

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Chapters

(00:00:00) - April is National Financial Literacy Month

Podcast Extra: Financial Spring Cleaning

AmeriLife Retirement.Radio Network — Wed, 11 Mar 2026 17:02:48 +0000

Spring has arrived, and while your home gets its annual refresh, your finances might be collecting their own quiet clutter…

First, clean up your accounts - If your money is scattered across multiple banks, and brokerage firms, it can feel chaotic.

Next, declutter your debt - Multiple credit cards, loans with varying interest rates, and different due dates can create unnecessary pressure.

Organize your income and expenses - Take a hard look at where your money actually goes each month

Schedule your complimentary consultation today:
386-320-6406
PlanRetirementYourWay.com

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

The Truth About Annuities: Clearing Up Confusion, Fine Print & Misconceptions

AmeriLife Retirement.Radio Network — Sat, 28 Feb 2026 00:48:28 +0000

Have you ever looked at your annuity statement and felt completely confused? You're not alone—and that's a problem that needs solving.

In this essential episode of Retirement Your Way, Bradley Hardin with AmeriLife of Central Florida tackles one of the most misunderstood retirement planning tools: annuities. Despite being widely used and highly effective for the right purposes, annuities are often surrounded by confusion, misconceptions, and even fear-mongering from people who don't understand them (or who want to sell you something else).

Bradley's goal is simple: create clarity through education. He breaks down exactly what annuities are, how they work, and where they belong in a well-structured retirement plan.

Whether you already own an annuity and don't understand it, or you're considering adding one to your plan, this episode delivers the education you need to move forward with confidence.

Schedule your complimentary consultation today:
386-320-6406
PlanRetirementYourWay.com

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Chapters

(00:00:00) - Retirement Your Way
(00:01:12) - Retirement Your Way
(00:03:18) - Retirement Income: Annuities
(00:06:05) - What is an Annuity? (Fixed and indexed)
(00:11:39) - Be Warned of Annuities
(00:13:05) - An Annuity: The Ins, The Outs, The Fine Print
(00:20:38) - Where Annuities Fit in a Retirement Plan
(00:25:10) - Plan Retirement Your Way with AmeriLife Financial

Podcast Extra: How AI Is Reshaping Work for Older Americans — Insights from AARP’s Carly Roszkowski

AmeriLife Retirement.Radio Network — Wed, 25 Feb 2026 16:12:56 +0000

Artificial intelligence is transforming the workplace faster than ever — and for older workers, that shift can feel both exciting and intimidating. Retirement.Radio’s Matt McClure sits down with Carly Roszkowski, VP of Financial Resilience Programming at AARP, to unpack how AI is reshaping the job market and what it means for workers over 50.

They explore new research showing that many older workers are worried about job security and finding new employment — and why AI is becoming both a challenge and a powerful opportunity. Carly shares practical ways job seekers can use AI tools to research companies, tailor resumes, prepare for interviews, and stay competitive in a rapidly evolving workforce.

The conversation also highlights the growing value of multigenerational workplaces and why experience still matters in an AI-driven world. Plus, Carly points listeners to AARP’s free resources designed to help older adults navigate career transitions with confidence.If you’re thinking about career longevity, job security, or how technology is reshaping the future of work, this episode offers timely insights and practical guidance you can use right now.

Schedule your complimentary consultation today:
386-320-6406
PlanRetirementYourWay.com

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Chapters

(00:00:00) - Finding a New Job with an AI-based Future
(00:00:37) - Does AI Help Older Workers Find a Job?
(00:03:48) - Seniors on the Job Search
(00:05:39) - AARP's Carly Roskowski on Financial Resilience

The 30-Minute Mistake: Why Your Retirement Income Strategy Deserves More Than a Quick Decision

AmeriLife Retirement.Radio Network — Fri, 20 Feb 2026 22:22:45 +0000

Most retirees spend 30 to 40 years accumulating wealth—but only 30 minutes deciding how to convert that nest egg into reliable income. That backwards approach can cost you tens of thousands of dollars and leave your retirement vulnerable to market volatility.

In this essential episode of Retirement Your Way, Bradley Hardin with AmeriLife of Central Florida breaks down the three pillars that determine whether your retirement income plan will stand the test of time:

Social Security Optimization: When should you file? Bradley, a Registered Social Security Analyst (RSSA), explains why the timing of your claim affects not just your benefit, but your surviving spouse's financial security for life. He reveals the permanent cost of filing at 62, the advantages of waiting until age 70, and why up to 85% of your benefits could be taxable depending on how you structure your withdrawals.

Income Gap Planning: Retirement isn't about having a large account balance—it's about replacing your paycheck with predictable income. Bradley introduces the three-bucket approach: the Growth Bucket for long-term investments that outpace inflation, the Protection Bucket for short-term emergencies, and the Income Bucket for generating reliable monthly cash flow. He demonstrates how to calculate your personal income gap and eliminate the dangerous "sequence of returns risk" that can derail your retirement if the market crashes early on.

Portfolio Balance: Your portfolio should let you sleep at night. Bradley explains why money designed for income shouldn't behave like money designed for growth, and how purpose-based allocation protects you from both market volatility and inflation erosion. He offers a portfolio stress test to model exactly how a 20% market correction would impact your lifestyle.

If you're asking yourself whether your Social Security is optimized, whether you know your income gap, or whether your portfolio could withstand a major downturn—this episode provides the clarity you need.

Schedule your complimentary consultation today:
386-320-6406
PlanRetirementYourWay.com

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Podcast Extra: How to Build a Recession-Ready Budget

AmeriLife Retirement.Radio Network — Wed, 18 Feb 2026 10:04:00 +0000

Recession talk is back for 2026—it may not be in every headline, but the odds aren’t at zero percent. You need to be prepared for the scenario of a possible recession.Key Points Covered:

Emergency Funds --- Start by building (or topping off) an emergency fund that covers three to six months of living expenses.
Picking the Right Budgeting System – Whether old or new, using a budgeting system can help consolidate while keeping stress away.
Configure your Financial Portfolio – Strategies to ensure your financial portfolio remains in a strong position.

Schedule your complimentary consultation today:
386-320-6406
PlanRetirementYourWay.com

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Social Security Deep Dive: Timing, Strategy & Building a Strong Retirement Foundation

AmeriLife Retirement.Radio Network — Fri, 06 Feb 2026 20:53:35 +0000

In this Social Security–focused episode of Retirement Your Way, Bradley Hardin and co-host Matt McClure take a deep dive into one of the most critical pieces of retirement planning. They explain how Social Security can serve as a stable income foundation and why choosing the right claiming strategy can make a lasting impact on long-term financial security.

The conversation highlights the importance of personalized planning, from evaluating when to claim to understanding how benefits change based on age, health, and household dynamics. Bradley also shares how comprehensive planning — including personal pensions and income coordination — can help fill the gap Social Security doesn’t cover, creating more confidence and clarity for the retirement journey ahead.

Schedule your complimentary consultation today:
386-320-6406
PlanRetirementYourWay.com

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Podcast Extra: Emergency Savings Strategies—Building a Safety Net Without Feeling Overwhelmed

AmeriLife Retirement.Radio Network — Tue, 03 Feb 2026 16:28:15 +0000

Retirement.Radio's Matt McClure sits down with Rod Griffin, Senior Director of Consumer Education and Advocacy at Experian, for a practical and timely conversation about emergency savings. With rising living costs, recent holiday spending, and ongoing debt repayment putting pressure on household budgets, many Americans struggle to set money aside for unexpected expenses.

Matt and Rod break down common emergency fund guidelines—ranging from three to six months of expenses or more—while emphasizing that the most important step is simply getting started. Rather than focusing on intimidating savings targets, the discussion highlights the value of small, consistent contributions that build momentum over time.

The conversation also explores actionable strategies for freeing up cash flow, including tracking expenses, reducing recurring bills, and using available tools to identify unused subscriptions or high-cost credit options. Matt and Rod wrap up by connecting emergency savings to long-term financial stability, stressing the importance of automation, protecting credit health, and taking full advantage of employer-matched retirement contributions.

Host: Retirement.Radio’s Matt McClure
Guest: Rod Griffin, Senior Director of Consumer Education and Advocacy at Experian

Schedule your complimentary consultation today:
386-320-6406
PlanRetirementYourWay.com

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Healthcare, Longevity, and Social Security: Building a Retirement Plan That Lasts

AmeriLife Retirement.Radio Network — Sat, 31 Jan 2026 00:08:02 +0000

On this episode of Retirement Your Way with AmeriLife of Central Florida, host Bradley Hardin is joined by co-host Matt McClure for an in-depth conversation about three of the most important forces shaping retirement today: healthcare costs, longevity, and Social Security planning.

The episode begins with a discussion on why retirement planning doesn’t have to feel overwhelming—and why confidence comes from having a clear, personalized strategy.

From there, the conversation dives into healthcare planning, including Medicare decisions, common enrollment mistakes, and the often-underestimated cost of medical care in retirement. The episode also explores longevity planning, highlighting the reality that retirements are lasting longer than ever.

Finally, Bradley and Matt address Social Security planning, clarifying what Social Security was designed to do, what it was not designed to do, and how retirees can coordinate benefits with pensions, personal savings, and guaranteed income strategies. The episode wraps up with a practical list of common retirement mistakes to avoid in 2026, including overestimating Social Security increases, under-planning for healthcare, delaying key decisions, and failing to regularly review a retirement plan.

Schedule your complimentary consultation today:
386-320-6406
PlanRetirementYourWay.com

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Podcast Extra: Important Tax Changes for the 2026 Filing Season

AmeriLife Retirement.Radio Network — Wed, 28 Jan 2026 16:41:26 +0000

Retirement.Radio’s Matt McClure sits down with Mark Steber, Chief Tax Officer of Jackson Hewitt, to break down what taxpayers need to know heading into the 2026 tax season. They discuss some of the biggest changes on the horizon, including an estimated $300 billion in refunds expected for millions of Americans — and why filing early and accurately can make a real difference.

Steber walks through several new tax benefits, including deductions for tipped and overtime workers and a new tax break for seniors age 65 and older. The conversation also covers practical tips on getting organized, choosing a trusted tax professional, and avoiding common tax scams. It’s a timely, practical discussion designed to help listeners feel informed, prepared, and confident as tax season approaches.

Schedule your complimentary consultation today:
386-320-6406
PlanRetirementYourWay.com

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Chapters

(00:00:00) - Tax Season 2022
(00:00:34) - Tax Filing Season 2018
(00:01:20) - The New Tax Law for Americans 2018
(00:06:26) - Tax Tips for 2018

Guaranteed Income, Lower Taxes, and Fewer Fees: Retirement Planning Done Right

AmeriLife Retirement.Radio Network — Fri, 23 Jan 2026 23:53:47 +0000

On this episode of Retirement Your Way with AmeriLife of Central Florida, Bradley Hardin and co-host Matt McClure break down what it really means to build a results-in-advance retirement plan—a plan built on clarity, guarantees, and confidence.

Instead of relying on “hoping the market cooperates,” this episode focuses on strategies that can help retirees:

Reduce unnecessary taxes
Eliminate hidden portfolio fees
Create predictable, guaranteed income they can’t outlive

Bradley explains the three key steps behind results-in-advance planning, including tax-efficient strategies like Roth conversions, identifying fee drag inside investment portfolios, and using tools such as fixed indexed annuities to create personal pensions.

The show also covers an important new rule affecting 401(k) catch-up contributions for higher earners, plus common retirement red flags to avoid as you approach the finish line.

If you’re nearing retirement and want more certainty—not more speculation—this episode delivers practical insights designed to help you retire your way.

Schedule your complimentary consultation today:
386-320-6406
PlanRetirementYourWay.com

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Chapters

(00:00:00) - Retirement Your Way
(00:01:12) - Retirement Your Way: What You Need to Know
(00:02:43) - Plan Retirement Your Way
(00:04:41) - The Money Talk: Building a Retirement Plan
(00:05:41) - Yogi Berra
(00:07:48) - How to Manage Your Taxes in Retirement
(00:13:56) - Roth IRA: Step 1
(00:15:42) - Bradley and Madison Hardin: De-Allocate Portfolio
(00:19:22) - Retirement Income: Fixed Index Annuity
(00:26:05) - Bradley and Madison Hardin: 401K Catch Up Contributions

Retirement Planning in a Volatile Market: Creating Predictable Income When the Headlines Won’t Cooperate

AmeriLife Retirement.Radio Network — Fri, 16 Jan 2026 22:57:57 +0000

Market volatility, election-year uncertainty, and constant headlines can make retirement planning feel overwhelming — especially when you’re close to making the transition from saving to spending.

On this episode of Retirement Your Way, Bradley Hardin of AmeriLife of Central Florida is joined by co-host Matt McClure for an in-depth conversation about how pre-retirees and retirees can build predictable, reliable income even when the markets are anything but predictable.

Bradley breaks down why volatility affects retirees differently than younger investors, how emotional investing can quietly erode long-term results, and why having a solid income foundation matters more than chasing returns.

If you’re approaching retirement or already there and wondering whether your plan is built to last, this episode will help you think differently about income, risk, and peace of mind.

Schedule your complimentary consultation today:
386-320-6406
PlanRetirementYourWay.com

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Chapters

(00:00:00) - Retirement Your Way
(00:01:11) - Retirement Your Way
(00:02:16) - Plan Retirement Your Way
(00:03:54) - Retirement: The Challenge of Preparing for Your Retirement
(00:05:03) - Fool's Advice for Floridians
(00:05:50) - Retirement Planning in a Volatile Market
(00:08:50) - Planning for Retirement With Money That Will Last
(00:11:18) - The 3-Bucket Income Strategy for Retirement
(00:15:31) - Retired Money: Predictability and Safety
(00:17:40) - Pensions and Personal Retirement Income
(00:25:06) - election year volatility

Social Security, Medicare & Market Volatility: Your Retirement Action Plan for 2026

AmeriLife Retirement.Radio Network — Sat, 20 Dec 2025 00:19:14 +0000

In this episode of Retirement Your Way, Bradley Hardin and Matt McClure dive into the upcoming Social Security changes for 2026, including cost-of-living adjustments, higher taxable wage limits, Medicare premium increases, and a brand-new tax deduction for seniors. They break down how these changes impact retirees, pre-retirees, and workers still paying into the system—and why many of these updates may mean less income in your pocket than expected.

Bradley and Matt also explore one of the biggest questions listeners have: “Can I trust that Social Security will still be there for me?” Their answer: yes, but not necessarily at today’s benefit levels. And that means every retiree must build a plan that can stand on its own two feet—Social Security should be the cherry on top, not the whole sundae.

The episode continues with strategies for budgeting during the holidays, preparing for market volatility, managing sequence-of-returns risk, and creating guaranteed lifetime income through personal pensions like fixed indexed annuities. Matt and Bradley also issue an urgent reminder for anyone age 73 or older: RMDs must be taken before December 31, with no exceptions.

Packed with practical action steps, retirement income insight, and truly listener-friendly explanations, this episode helps you begin 2026 with clarity and confidence.

Schedule your complimentary consultation today:
386-320-6406
PlanRetirementYourWay.com

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Your First Year of Retirement: The Surprises Nobody Warns You About

AmeriLife Retirement.Radio Network — Fri, 12 Dec 2025 23:05:03 +0000

Your first year of retirement is exciting—but it can also feel overwhelming. In this episode, Matt McClure and advisor Bradley Hardin break down the five biggest adjustments retirees face, including emotional challenges, healthcare surprises, lifestyle shifts, tax complexity, and why spending often increases after you leave the workforce.

Bradley also explains why having a SMART vision for retirement matters, what goes into a SMART inspection of your financial accounts, and how market volatility and sequence-of-returns risk can impact retirees more than they realize.

Whether you’re months away from retirement or already navigating those first twelve months, this episode will help you build confidence, stay flexible, and create a plan that supports the lifestyle you’ve earned.

Schedule your complimentary consultation today:
(386) 977-9684
PlanRetirementYourWay.com

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Podcast Extra—Inflation, Tariffs, and Dupe Culture: How We’re Shopping This Holiday Season

AmeriLife Retirement.Radio Network — Thu, 04 Dec 2025 22:10:22 +0000

In this interview, Retirement.Radio’s Matt McClure speaks with Mary Hines Droesch, head of consumer and small business products at Bank of America, about holiday shopping trends. A major focus is how inflation and tariffs influence consumer behavior. The discussion also explores how dupe culture is emerging as a popular trend among younger generations who seek affordable alternatives to high-end branded items, while highlighting generational differences in gift-giving preferences and shopping habits. Mary emphasizes practical strategies for managing holiday expenses, including budgeting, using rewards cards, and taking advantage of bulk purchasing opportunities to maximize value during the holiday season.

Schedule your complimentary consultation today:
(386) 977-9684
PlanRetirementYourWay.com

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Chapters

(00:00:00) - Holiday Spending Up a Mile
(00:00:47) - Holiday Shopping Forecast
(00:01:52) - What Is The Dupe Culture?
(00:03:40) - Are Generations More Likely to Hold On to Holiday Spending Trends?
(00:05:13) - How to Manage Your Spending This Holiday Season
(00:06:09) - Holiday Spending With a Reward Card
(00:06:47) - Mary Hines Drosch on Small Business

Fall Financial Cleaning: Your Year-End Retirement Tune-Up

AmeriLife Retirement.Radio Network — Wed, 26 Nov 2025 18:14:49 +0000

As the calendar gets ready to flip, Bradley Hardin and co-host Matt McClure walk listeners through a timely year-end checklist to ensure their retirement plan stays on track heading into 2026.

This episode of Retirement Your Way focuses on fall financial cleaning—the essential review, reassessment, and rebalancing steps retirees and pre-retirees should take before the new year. Bradley breaks down how to determine whether you should rebalance your investment accounts or stay the course, why year-end performance data is so important, and what questions you should be asking your financial advisor right now.

Bradley and Matt also discuss the importance of checking and updating beneficiary designations, avoiding costly mistakes that could send assets to the wrong person, and simplifying your finances by consolidating accounts for clarity and confidence.

Whether you're in the retirement red zone or deep into your golden years, this episode gives you the tools, questions, and strategies to enter 2026 with a clean, organized, and intentional financial plan.

Schedule your complimentary consultation today:
(386) 977-9684
PlanRetirementYourWay.com

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Chapters

(00:00:00) - Retirement Your Way
(00:01:11) - Plan Retirement Your Way
(00:03:47) - The Year End Review for Retired Clients
(00:05:20) - Retirement: A Chance to Reinvent Yourself
(00:06:44) - Should I Rebalance or Stay the Course?
(00:11:12) - 3 Questions To Ask Your Advisor Before Rebalancing
(00:12:59) - Rebalancing Your Portfolio at End of the Year
(00:17:27) - 3 Rules for Retirement Plans, Life Insurance and Estate Planning
(00:23:33) - How to Clean Up Your Retirement Plans

Avoid the Most Expensive Mistake in Retirement: Silence

AmeriLife Retirement.Radio Network — Fri, 21 Nov 2025 22:54:40 +0000

In this episode, Bradley Hardin breaks down the real reason so many retirement plans fall apart: poor communication. Whether it’s with your spouse, your advisor, or your loved ones who will one day help carry out your wishes, silence can be expensive. Bradley and co-host Matt McClure explore how miscommunication leads to missed deadlines, incorrect beneficiaries, avoidable tax surprises, and emotional stress—and what every family can do to fix it. Learn practical tools like monthly money dates, annual reviews, and how to talk about caregiving, risk, and long-term goals without conflict.

Build a retirement plan that everyone understands—and one you can confidently call Retirement Your Way.

Schedule your complimentary consultation today:
(386) 977-9684
PlanRetirementYourWay.com

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Chapters

(00:00:00) - Retirement Your Way
(00:01:12) - Retirement Your Way
(00:02:40) - Plan Retirement Your Way
(00:04:07) - Why Communication Matters in Your
(00:05:07) - Financial Wisdom
(00:06:08) - Why Communication Matters in Retirement Plans
(00:11:53) - Why Do Married Couples Struggle to Talk About Money?
(00:17:06) - Better Family Communication on Money
(00:22:39) - Communication with Your Financial Advisor
(00:26:52) - Plan Your Retirement Your Way

Countdown to Year-End: Roth Conversions, RMDs, and Charitable Giving Strategies

AmeriLife Retirement.Radio Network — Fri, 14 Nov 2025 20:18:00 +0000

The clock is ticking — and the end of the year is one of the most critical times for retirees and pre-retirees to make smart financial moves. In this episode of Retirement Your Way with AmeriLife of Central Florida, Bradley Hardin joins Matt McClure to break down the essential year-end planning checklist that could save you money, reduce your taxes, and start 2026 on the right financial foot.

From Roth conversions and required minimum distributions (RMDs) to charitable giving strategies that warm your heart and lower your tax bill, Bradley explains how all these pieces fit together — and why syncing your plan matters more than ever.

The team also discusses avoiding Medicare premium surprises, how market dips can create Roth conversion opportunities, and why December deadlines are non-negotiable if you want to avoid costly penalties.

Whether you’re nearing retirement or already there, this episode will help you make confident, coordinated financial moves before the ball drops on 2025.

Schedule your complimentary consultation today:
(386) 977-9684
PlanRetirementYourWay.com

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Longevity Risk: Making Sure Your Money Lasts as Long as You Do

AmeriLife Retirement.Radio Network — Sat, 08 Nov 2025 00:19:27 +0000

You can’t predict how long you’ll live — but you can plan to make your money last. In this episode of Retirement Your Way with AmeriLife of Central Florida, Bradley Hardin joins Matt McClure to talk about one of the biggest challenges facing today’s retirees: longevity risk.

The longer we live, the longer our savings must last — and that requires smart, personalized planning. The guys break down:

Why more Americans fear outliving their savings than death itself
What the latest data shows about longer retirements and shrinking withdrawal rates
How to protect yourself from sequence of returns risk and the “widow’s tax”
Why the old 4% rule may not work anymore — and what to do instead
Steps to create a personal pension that guarantees income for life

If you’re in the retirement red zone and want peace of mind for the long haul, this episode is for you.

Schedule your complimentary consultation today:
(386) 977-9684
PlanRetirementYourWay.com

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Podcast Extra: The Proper Steps to Take for a Successful Retirement

AmeriLife Retirement.Radio Network — Tue, 04 Nov 2025 21:09:05 +0000

In this piece, brought to you by Retirement.Radio's Jim Tarabocchia, we explore the basics steps to take – and break them down – for further clarity on preparing for retirement.

Key Points Covered:

The importance of saving for retirement – NOW
Balancing your investments – How a healthy mix of riskier investments can help weather the market’s uncertainty especially as you get closer to retirement.
The importance of seeking professional guidance when planning financially for the future.

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

It’s Not Your Grandparents’ Retirement: Creating Income, Confidence, and Clarity for Today’s Retirees

AmeriLife Retirement.Radio Network — Fri, 31 Oct 2025 23:02:46 +0000

In this episode of Retirement Your Way with AmeriLife of Central Florida, Bradley Hardin joins Matt McClure to explore how retirement has changed — and why today’s retirees face new challenges that require fresh strategies.

From longer life expectancy and the decline of traditional pensions to rising healthcare costs and inflation, Bradley explains how to build your own “personal pension,” optimize your Social Security benefits, and protect your income for decades to come. The team also tackles one of the most misunderstood tools in retirement planning — life insurance — revealing how it can offer living benefits while safeguarding your loved ones.

Finally, they share record-breaking new data on America’s growing number of 401(k) millionaires — and the timeless principles that helped them get there: consistency, discipline, and longevity.

If you’re planning to retire soon or just want to ensure you’re doing it right, this episode will help you plan retirement your way.

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Bonus Interview: The Hidden Respiratory Risk for Retirees with Dr. Leonard Friedland

AmeriLife Retirement.Radio Network — Wed, 29 Oct 2025 15:02:08 +0000

In recognition of RSV Awareness Month, Retirement.Radio’s Matt McClure sits down with Dr. Leonard Friedland, Vice President and Director of Scientific Affairs and Public Health for GSK North America, and Carole, a National Senior Games athlete, to discuss how RSV (respiratory syncytial virus) affects older adults and why prevention matters.

Dr. Friedland explains that RSV is far more than a seasonal nuisance — it leads to an estimated 177,000 hospitalizations and 14,000 deaths each year among adults aged 65 and older in the U.S. Carole shares her personal story of contracting RSV despite her active lifestyle, detailing how the illness sidelined her and reshaped her approach to health and wellness.

Together, they highlight the importance of awareness, vaccination, and simple preventive steps to help older adults stay healthy through the respiratory virus season. Learn more and access helpful resources at SidelineRSV.com.

Schedule your complimentary consultation today:
(386) 977-9684
PlanRetirementYourWay.com

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Chapters

(00:00:00) - Symptoms of RSV in fall
(00:00:53) - Dr. Friedland: Respiratory Syndrome in older adults
(00:02:56) - Seniors Get Sick With RSV

The Fear of Unretiring: How to Build a Paycheck That Never Stops

AmeriLife Retirement.Radio Network — Fri, 24 Oct 2025 22:05:55 +0000

In this week’s episode of Retirement Your Way with AmeriLife of Central Florida, hosts Bradley Hardin and Matt McClure explore one of today’s biggest retirement anxieties — the fear of “unretiring.”

Drawing from the 2025 U.S. Bank Wealth Report, the team unpacks why so many Americans worry about running out of money in retirement — and what you can do to make sure your paycheck doesn’t retire before you do.

Listeners will learn:

Why 63% of retirees expect to return to work after retirement
How employers shifting from pensions to self-funded plans created new challenges
Ways to transform 401(k)s and IRAs into reliable, guaranteed income streams
The importance of Social Security optimization and personal pensions
How to calm financial fears with budgeting, stress-testing, and a long-term plan

Plus, Bradley and Matt cover the latest market update and discuss how political uncertainty and potential government shutdowns could affect your financial outlook — and what investors can do to stay calm and protected.

Schedule your complimentary consultation today:
(386) 977-9684
PlanRetirementYourWay.com

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Chapters

(00:00:00) - Retirement Your Way
(00:01:12) - Retirement Your Way
(00:04:12) - The Fear of Unretiring
(00:10:52) - What Do We Do About Retired People?
(00:13:11) - How to calm the fear of unretiring
(00:16:49) - How to Build a Retirement Plan that Will Not Retire
(00:23:49) - Retired Investors Shift Money Out of Stocks
(00:25:41) - Government Shutdown

Top 3 Retirement Fears—and How to Conquer Them

AmeriLife Retirement.Radio Network — Fri, 17 Oct 2025 19:25:46 +0000

What’s your biggest retirement fear? In this episode of Retirement Your Way with AmeriLife of Central Florida, Bradley and Madison Hardin join Matt McClure to unpack the top three concerns keeping retirees up at night—and how to turn those fears into confidence with the right plan.

You’ll learn:

Why running out of money is America’s biggest financial fear—and how to create your own personal pension that pays you for life
How to maintain your independence as you age and plan ahead for care without giving up control
❤️ How to avoid becoming a burden on your family with long-term care planning and financial foresight

Plus, Bradley and Madison share a powerful story about “Shirley Brown,” a widow who found peace of mind through planning ahead for her future care needs. And don’t miss this week’s round of “Right or Wrong?”—where Matt tries (and fails) to stump the Hardins on key retirement myths!

Whether you’re nearing retirement or already in it, this episode will help you build the clarity, confidence, and control to live retirement your way.

Schedule your complimentary consultation today:
(386) 977-9684
PlanRetirementYourWay.com

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Clean Up Your Finances: Simple Steps for a Fresh Financial Start

AmeriLife Retirement.Radio Network — Fri, 10 Oct 2025 22:08:11 +0000

Are your finances in need of a little cleaning? In this episode of Retirement Your Way with AmeriLife of Central Florida, Bradley and Madison Hardin share a practical step-by-step guide to help you declutter your financial life and regain control of your money.

From cleaning out your financial junk drawer and reviewing old beneficiaries to dusting off your estate plan and paying yourself first, the Hardins break down what it takes to stay organized and confident as you approach or enjoy retirement. Plus, Matt McClure joins the conversation for a lively “Right or Wrong” game segment, testing financial myths about CDs, annuities, and working with financial professionals.

Whether you’re in the retirement red zone or already living your dream, this episode will help you make sure your plan—and your paperwork—are in order.

Schedule your complimentary consultation today:
(386) 977-9684
PlanRetirementYourWay.com

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Chapters

(00:00:00) - Retirement Your Way with Amerilife of Central Florida
(00:02:37) - 3 Ways to Clean Up Your Finances
(00:04:09) - 3 ways to Clean Out Your Financial Junk Drawer
(00:07:30) - How to Clean Up Your Financial Situation
(00:08:06) - Have You Updated Your Life Insurance Beneficiaries?
(00:10:08) - Establishment of an Estate Plan
(00:11:16) - 3 Steps to Clean Up Your Finances
(00:12:54) - Plan Retirement Your Way
(00:15:01) - Retirement Your Way
(00:16:17) - Right or Wrong: Bank CDs vs. Annuities
(00:17:48) - Right or Wrong? Pay Yourself First
(00:19:22) - Retirement Annuity: Fixed-Rate Annuity
(00:21:22) - It is Too Expensive to Work With a Financial Professional
(00:22:30) - CLEAN UP YOUR FINANCIAL JUDGE

Bonus Interview: New Tax Changes - with Mark Steber

AmeriLife Retirement.Radio Network — Tue, 07 Oct 2025 15:44:43 +0000

Retirement.Radio’s Matt McClure talks with Mark Steber, Chief Tax Officer at Jackson Hewitt, about why tax planning should be a year-round priority—not just something to think about around Tax Day. Steber explains that there are still several months left in the year to make meaningful changes that can impact the 2025 tax return, emphasizing the importance of reviewing last year’s return, correcting any mistakes, and adjusting for life changes or new tax law updates. He also highlights some of the significant tax code changes coming in 2025, including a potential increase in the child tax credit and higher deductions for seniors—and much more.

Schedule your complimentary consultation today:
(386) 977-9684
PlanRetirementYourWay.com

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Chapters

(00:00:00) - Tax Tips for 2019
(00:01:43) - The 2025 Tax Code Change
(00:08:02) - How to File Your Tax Return
(00:09:18) - Jackson Hewitt CEO on Tax Cuts

Don’t Leave Uncle Sam a Tip: Smarter Tax Planning for Retirement

AmeriLife Retirement.Radio Network — Fri, 03 Oct 2025 21:30:42 +0000

Taxes may be your biggest—and most overlooked—retirement partner. In this week’s Retirement Your Way with AmeriLife of Central Florida, Bradley and Madison Hardin explain how to avoid overpaying Uncle Sam while creating a more tax-efficient retirement strategy.

From understanding how Social Security, pensions, and IRAs are taxed, to exploring the two powerful vehicles for tax-free income—Roth IRAs and Indexed Universal Life insurance—this episode is packed with actionable insights. The Hardins also break down common tax myths, explain how healthcare costs tie into income decisions, and share why a personalized plan can make all the difference.

Whether you’re in the retirement red zone or already enjoying your golden years, you’ll learn how to keep more of your hard-earned money and build the future you deserve.

Schedule your complimentary consultation today:
(386) 977-9684
PlanRetirementYourWay.com

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Chapters

(00:00:00) - Welcome to Retirement... Your Money...
(00:01:11) - Amerilife of Central Florida
(00:01:27) - How to Plan for Retirement
(00:02:51) - Retirement Taxes
(00:06:52) - Retirement Taxes... Two Types of Tax-Free Accounts
(00:11:02) - Two Tax-Free Investments for Retirement
(00:13:26) - How to Plan for Retirement
(00:15:21) - Right or Wrong
(00:16:13) - Right or Wrong: Structuring Retirement Accounts to Deliver Tax-Free
(00:18:37) - Catching Up on Your Retirement Savings
(00:21:23) - Right or Wrong: Retirement Your Way
(00:22:46) - How to Be More Tax Efficient in Your Retirement Plans
(00:26:08) - Retirement Your Way with AmeriLife of Central Florida

Bonus Interview: Protecting Your Digital Life After 50—Insights from AARP’s Tom Kamber

AmeriLife Retirement.Radio Network — Tue, 30 Sep 2025 19:01:59 +0000

Retirement.Radio’s Matt McClure sits down with Tom Kamber, Executive Director of Older Adults Technology Services (OATS) from AARP, to discuss how older Americans are using technology, where the biggest gaps remain, and why digital privacy is more important than ever. From app permissions to password managers, Tom shares AARP’s five-day Digital Housecleaning Challenge to help you get your digital life organized and secure.

Link to Digital Housecleaning Challenge: https://seniorplanet.org/digitalhousecleaning

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Don’t Let These Mistakes Derail Your Retirement Dreams

AmeriLife Retirement.Radio Network — Fri, 26 Sep 2025 15:06:00 +0000

In this episode of Retirement Your Way with AmeriLife of Central Florida, host Matt McClure is joined by Bradley and Madison Hardin to discuss the four biggest habits that could wreck your retirement dreams—and the steps you can take to avoid them.

They cover:

Why carrying high-interest debt into retirement is dangerous
How failing to plan for taxes can drain your savings
⏳ Longevity risk: what happens if you live longer than expected
Why relying on your home as a retirement plan can leave you “house rich but cash poor”
The rising cost of healthcare in retirement and what Medicare does (and doesn’t) cover
️ How annuities can serve as the “Swiss Army knife” of retirement planning

Plus, they share strategies for balancing debt reduction, creating guaranteed lifetime income, and protecting against market volatility—so you can retire with confidence.

Schedule your complimentary consultation today:
(386) 977-9684
PlanRetirementYourWay.com

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Volatility-Proof Retirement: Strategies for Peace of Mind

AmeriLife Retirement.Radio Network — Fri, 19 Sep 2025 20:56:27 +0000

Market volatility is a fact of life—but it doesn’t have to derail your retirement. In this episode of Retirement Your Way with AmeriLife of Central Florida, hosts Bradley and Madison Hardin join Matt McClure to break down how retirees and pre-retirees can protect their portfolios from the ups and downs of the market.

From the Rule of 100 and the dangers of emotional investing to strategies for guaranteed income and smart Social Security timing, Bradley and Madison share how to build a retirement plan that balances risk and safety. Plus, they explain the often-overlooked risk of sequence of returns and why timing matters so much in your early retirement years.

If market headlines make you nervous, this episode shows how to keep calm, carry on, and retire with confidence.

Call Bradley & Madison at (386) 977-9684 or visit PlanRetirementYourWay.com to schedule your free, no-obligation consultation today. Build the retirement you’ve always dreamed of—your way.

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Chapters

(00:00:00) - Plan Retirement Your Way
(00:02:59) - Retired Investor: What to Do in an Uncertain Market
(00:03:32) - Warren Buffett: The True Investor Welcomes Volatility
(00:04:47) - Bradley: Retirement Valuation and Volatility
(00:10:37) - Bradley and Madison on Retirement Volatility
(00:13:54) - Retirement Strategy: Sequential Returns
(00:18:58) - Is Overconfidence Bad For Your Retirement Returns?
(00:20:44) - Steve Ballentine on Behavioral Investing
(00:22:32) - How to Protect Your Retirement Plan From
(00:25:25) - Social Security Timing
(00:28:17) - Amerilife of Central Florida

From Nest Egg to Paycheck: Building Reliable Retirement Income

AmeriLife Retirement.Radio Network — Fri, 12 Sep 2025 22:16:18 +0000

Your nest egg is important, but it’s the income it produces that truly defines your retirement experience. In this episode of Retirement Your Way with AmeriLife of Central Florida, Bradley and Madison Hardin share how to transform savings into a reliable paycheck you can’t outlive. They discuss strategies for protecting spouses from income loss, planning around Social Security, and avoiding the “widow’s tax.” You’ll also hear a real-life case study where they helped a couple balance one spouse’s love of day-trading with the other’s desire for guaranteed security. Plus, a round of “Right or Wrong” puts common retirement myths to the test.

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Chapters

(00:00:00) - Welcome to Retirement Your Way
(00:01:18) - Bradley Hardin and Madison Hardin on Retirement Planning
(00:07:30) - plan your retirement your way
(00:08:22) - The Problem Solver: Retirement Planning and Preservation
(00:13:40) - Two ways to save money on your retirement plan
(00:15:28) - Retirement You're Wrong
(00:18:08) - Retirement Savings: The Best Strategy
(00:19:55) - Can You Create Your Own Personal Pension?
(00:21:45) - Right or Wrong: Retirement Your Way
(00:22:55) - Retirement Income in 2022
(00:26:43) - Retirement Your Way with Amerilife of Central Florida

Managing Risk in Retirement: How to Protect What You Can’t Afford to Lose

AmeriLife Retirement.Radio Network — Sat, 30 Aug 2025 00:15:16 +0000

Risk is everywhere in retirement planning—but with the right strategy, you can manage it and create confidence for the years ahead. In this episode of Retirement Your Way, hosts Madison and Bradley Hardin join Matt McClure to discuss the many types of risk retirees face and how to protect your hard-earned savings.

Topics include:

The Rule of 100 and how it guides your risk allocation
Longevity risk—outliving your money as people live longer than ever
Sequence of returns risk and how timing can impact retirement income
Hidden fee risk and how to eliminate unnecessary costs
How alternative asset classes can provide growth with downside protection

Plus, the Hardins share a real-life case study of a family they helped move from an all-market portfolio into a safer, fee-free environment—providing peace of mind, steady growth, and protection against loss.

Call Madison and Bradley today at (386) 977-9684 or visit planretirementyourway.com to schedule your no-cost consultation.

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

10 Steps to a More Secure Retirement

AmeriLife Retirement.Radio Network — Fri, 22 Aug 2025 21:30:12 +0000

Retirement doesn’t happen by accident—it happens by design. In this episode of Retirement Your Way with AmeriLife of Central Florida, hosts Bradley and Madison Hardin join Matt McClure to walk through 10 practical steps to help you create a secure, stress-free retirement.

From diversifying your portfolio and maximizing contributions, to managing medical costs, long-term care planning, and minimizing taxes, this conversation is packed with actionable advice for retirees and pre-retirees. Whether you’re just entering the retirement red zone or already enjoying your golden years, this episode will help you line up your income, expenses, and lifestyle goals for the future you deserve.

Schedule your free, no-obligation consultation with Bradley and Madison Hardin today. Call (386) 977-9684 or visit PlanRetirementYourWay.com to start building your plan.

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Zero is Your Hero: Protecting Principal While Growing Assets

AmeriLife Retirement.Radio Network — Fri, 15 Aug 2025 21:38:53 +0000

In this week’s episode of Retirement Your Way, hosts Bradley and Madison Hardin join Matt McClure to explore how retirees can build wealth safely while protecting what they’ve worked so hard to earn.

From market downturns that can derail retirement plans to the fear many people have of outliving their savings, the Hardins explain why accumulation strategies need to balance both growth and protection. They dive into fixed indexed annuities (FIAs)—how they’ve evolved beyond “your grandfather’s annuity”—and why these tools can deliver market-like returns without the risk of losing your principal.

The show also features a fun round of Right or Wrong, where common retirement myths get busted, plus practical tips for creating a personal income stream you can never outlive.

Whether you’re in the retirement red zone or already enjoying your golden years, this episode will give you insights on how to grow your nest egg while sleeping soundly at night.

Schedule your free, no-obligation consultation with Bradley and Madison Hardin today. Call (386) 977-9684 or visit PlanRetirementYourWay.com to start building your plan.

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Chapters

(00:00:00) - Welcome to Retirement Your Way
(00:01:38) - In the Elevator With Bradley and Madison Hardin
(00:02:55) - Bradley: How to Get to Your Retirement Money
(00:06:34) - Planning for Retirement With Annuities and Stock Funds
(00:15:27) - Right or Wrong? Pension Plans and Annuities
(00:18:33) - Retirement Investment: No Risk, No Reward
(00:20:52) - Right or Wrong: Your Retirement Plan
(00:22:58) - Bradley and Lisa: Diversified Retirement Plans

Legacy Planning 101: More Than Just a Will

AmeriLife Retirement.Radio Network — Sat, 09 Aug 2025 00:16:56 +0000

Planning for the end of your life isn’t easy — but it’s one of the greatest gifts you can give your family. In this episode of Retirement Your Way with AmeriLife of Central Florida, Bradley and Madison Hardin join host Matt McClure to discuss the essentials of legacy planning.

From organizing scattered accounts to updating beneficiaries, they reveal how simple steps today can prevent stress and confusion tomorrow. You’ll hear real-life stories of clients whose plans made all the difference, and learn why legacy planning is about more than money — it’s about protecting your wishes, easing the burden on loved ones, and creating lasting memories.

Whether you want to pass on a financial inheritance, fund a family vacation, or simply make sure your final wishes are honored, this episode will give you the clarity and confidence to plan ahead.

Schedule your free, no-obligation consultation with Bradley and Madison Hardin today. Call (386) 977-9684 or visit PlanRetirementYourWay.com to start building your retirement and legacy plan.

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Chapters

(00:00:00) - Retirement Your Way
(00:01:18) - Amerilife of Central Florida Discusses Retirement Plans
(00:02:36) - Why Legacy Plan for Your Life is SO Important
(00:07:44) - Problem Solver
(00:15:49) - Right or Wrong: Building a Retirement Plan
(00:17:04) - Will Life Insurance Be Right for You?
(00:19:15) - Legacy Planning: Right or Wrong?
(00:20:27) - Roth IRAs: Right or Wrong?
(00:21:28) - An Estate Plan for Your Money
(00:23:01) - The Importance of Legacy Planning

Is Central Florida Ready for Retirement?

AmeriLife Retirement.Radio Network — Fri, 01 Aug 2025 22:18:55 +0000

Are you prepared for retirement? In this eye-opening episode, hosts Madison and Bradley Hardin, alongside Matt McClure, reveal some shocking statistics about America's retirement readiness—and what they mean for Central Florida retirees.

Key Takeaways:

Over 50% of Americans don’t know how much they’ll need in retirement—don’t be one of them.
Social Security was only designed to replace 40% of your income—what’s your plan for the other 60%?
34% of Americans haven’t started saving at all—there’s still time to start.

From the startling number of Americans with no retirement savings to the surprising role of Social Security, this episode dives into why having a plan is more essential than ever. Bradley and Madison share practical insights on income planning, creating personal pensions, and how to avoid common mistakes—like setting and forgetting your 401(k). You’ll also learn how to build flexibility into your plan so you can enjoy your retirement without the fear of running out of money.

Schedule a free consultation at (386) 977-9684 or visit PlanRetirementYourWay.com.

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Chapters

(00:00:00) - Retirement Your Way
(00:01:17) - How to Prepare for Retirement
(00:02:36) - Is America Ready for Retirement?
(00:05:21) - How to Plan Your Retirement with Social Security?
(00:07:19) - Is America Ready for Retirement?
(00:08:06) - 34% of pre-retired Americans haven't even started saving
(00:11:06) - Planning your Summer Vacation
(00:16:05) - Right or Wrong?
(00:16:31) - Private Pensions: Better Than Employer Plans?
(00:20:24) - Right or Wrong
(00:21:57) - Right or Wrong: Planning for Your Retirement
(00:23:34) - How to Plan for Retirement
(00:27:01) - Retirement Your Way with Amerilife of Central Florida

Retirement Your Way: Conquering Inflation and Creating Lasting Income

AmeriLife Retirement.Radio Network — Fri, 25 Jul 2025 15:43:11 +0000

Welcome to the very first episode of Retirement Your Way with AmeriLife of Central Florida! Hosts Matt McClure, along with husband-and-wife retirement planning team Bradley and Madison Hardin, are here to help you take control of your financial future — your way.

In this debut episode, the team tackles one of the biggest threats to your retirement: inflation. From skyrocketing grocery prices to rising healthcare costs, inflation affects everyone — but it hits retirees hardest. Discover how you can fight back using three simple but powerful strategies:

Diversify your investments
Consider deferring Social Security
Recalibrate your retirement budget

You’ll also learn how to protect your savings, create a personal pension for lifetime income, and why working with a financial professional doesn’t have to cost you a dime. Plus, test your knowledge in a game of Right or Wrong and learn what makes AmeriLife’s client-first, face-to-face approach so effective.

Whether you’re just starting to plan or are already in retirement, this show is your roadmap to financial confidence.

Schedule your no-cost, no-obligation consultation with Bradley & Madison Hardin
Call (386) 977-9684
Visit PlanRetirementYourWay.com

Whether you need a second opinion or a full financial plan, Bradley and Madison are here to help you live retirement your way.

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Chapters

(00:00:00) - Retirement Your Way
(00:01:11) - Retired People Talk Retirement
(00:03:03) - Social Security and Personal Pension: How to Balance Income in Retirement
(00:06:49) - Problem SOL
(00:12:27) - Retirement Your Way
(00:15:53) - Social Security: Right or Wrong?
(00:17:38) - Social Security: Should I file early or wait?
(00:19:05) - Social Security Disability Benefit: Right or Wrong?
(00:20:19) - Right or Wrong: Social Security
(00:21:55) - How to Jumpstart Your Savings
(00:23:45) - Amino Life Financial Planning: Social Security and Retirement Income

Retirement Your Way: Conquering Inflation and Creating Lasting Income

AmeriLife Retirement.Radio Network — Fri, 25 Jul 2025 07:09:53 +0000

Diversify your investments
Consider deferring Social Security
Recalibrate your retirement budget

Whether you’re just starting to plan or are already in retirement, this show is your roadmap to financial confidence.

Schedule your no-cost, no-obligation consultation with Bradley & Madison Hardin
Call (386) 977-9684
Visit PlanRetirementYourWay.com

Whether you need a second opinion or a full financial plan, Bradley and Madison are here to help you live retirement your way.

Tune in each week:
️WNDB, News Daytona Beach, FM 98.5 & AM 1150 – Saturdays at 9am and Sundays at 10am
️WAPN, Word and Praise, FM 91.5 – Sundays at 9:30am

Chapters

(00:00:00) - Welcome to Retirement Your Way
(00:01:22) - Retirement Planning with Dave and Amy
(00:02:41) - Inflation and Diversification for Retirement Planning
(00:07:33) - How to Stop Paying off Credit Card Debt in Retirement
(00:09:05) - How to Diversify Your Money to Fight Inflation
(00:10:46) - Step 3: Defer Social Security and Tax Strategy
(00:15:08) - recalibrate your budget
(00:16:18) - Right or Wrong?
(00:18:37) - Is FDIC-insured CD Safer Than a Bank CD?
(00:20:12) - Social Security Benefit Can Increase annually Due to Inflation
(00:21:19) - 4 Reasons It's Too Expensive to Work With a Financial Professional
(00:23:11) - An Investment Strategy for Your Retirement
(00:26:10) - Aminife of Central Florida
(00:28:16) - Amerilife of Central Florida