Is financial independence really about money—or is it about having the freedom to spend your retirement years on what matters most? Hosts Gerry Ricken and Heidi Ricken Provost discuss America’s 250th birthday, the meaning of independence, and how tax strategies, income planning, healthcare decisions, and purposeful retirement planning work together. They also share personal Fourth of July memories and explain why a retirement plan should focus on much more than investments alone.

Get your complimentary meeting with Heidi and Gerry to make a comprehensive plan for your retirement – call 314-442-6476 or go to RickenFinancial.com.

Click here to learn more about Ricken Financial's upcoming events or call 314-442-6476.

Find the Rickens on social media: Facebook | Instagram | YouTube

See omnystudio.com/listener for privacy information.

What happens when retirement planning collides with life’s toughest realities? Gerry Ricken and Heidi Ricken Provost explore the often-avoided side of retirement—death, loss, and the financial decisions that follow. From beneficiary mistakes to power of attorney gaps, they break down how unprepared plans can unravel quickly. The conversation highlights why estate planning, clear documentation, and ongoing reviews matter, especially during emotional moments, and how thoughtful preparation can reduce financial stress when it matters most.

Get your complimentary meeting with Heidi and Gerry to make a comprehensive plan for your retirement – call 314-442-6476 or go to RickenFinancial.com.

Click here to learn more about Ricken Financial's upcoming events or call 314-442-6476.

Find the Rickens on social media: Facebook | Instagram | YouTube

See omnystudio.com/listener for privacy information.

Think retirement is just about saving a big number? Heidi Ricken Provost and Gerry Ricken challenge that idea by redefining what a complete plan actually includes. They walk through income strategy, taxes, healthcare, risk management, and the “purpose approach” that ties it all together. The discussion shows why accumulation alone falls short and how overlooked factors—like tax efficiency and long-term care—can shape outcomes, emphasizing a structured plan built around how you want to spend your time.

Get your complimentary meeting with Heidi and Gerry to make a comprehensive plan for your retirement – call 314-442-6476 or go to RickenFinancial.com.

Click here to learn more about Ricken Financial's upcoming events or call 314-442-6476.

Find the Rickens on social media: Facebook | Instagram | YouTube

See omnystudio.com/listener for privacy information.

When does a daughter stop being your child and become your business partner? Gerry Ricken reflects on working alongside Heidi Ricken Provost, blending family, purpose, and financial guidance. The episode explores succession, shared values, and how meaningful relationships shape both business and retirement. The conversation centers on redefining retirement not as stopping work, but as balancing purpose, flexibility, and time. It also highlights how personal connections—with family and clients—extend far beyond numbers and into lasting, experience-driven relationships.

Get your complimentary meeting with Heidi and Gerry to make a comprehensive plan for your retirement – call 314-442-6476 or go to RickenFinancial.com.

Click here to learn more about Ricken Financial's upcoming events or call 314-442-6476.

Find the Rickens on social media: Facebook | Instagram | YouTube

See omnystudio.com/listener for privacy information.

What if retirement planning isn’t about a number but about answering one question: are you going to be okay? Gerry Ricken and Heidi Ricken Provost break down their “purpose approach,” covering income, taxes, risk, healthcare, and legacy planning. The discussion challenges one-size-fits-all advice and highlights how retirement shifts from accumulation to preservation and distribution. It also examines how personalized strategies, timing decisions, and income planning shape long-term outcomes, while emphasizing the importance of aligning financial choices with lifestyle goals.

Get your complimentary meeting with Heidi and Gerry to make a comprehensive plan for your retirement – call 314-442-6476 or go to RickenFinancial.com.

Click here to learn more about Ricken Financial's upcoming events or call 314-442-6476.

Find the Rickens on social media: Facebook | Instagram | YouTube

See omnystudio.com/listener for privacy information.

A delayed flight is frustrating—but what happens when life forces a permanent detour? This episode with Heidi Ricken Provost dives into the reality of “pivoting” in retirement, from unexpected travel chaos to the bigger disruptions that can reshape your financial future. Heidi explores how market volatility, caregiving responsibilities, losing a spouse, or sudden windfalls can all alter the path you thought was set. She emphasizes the need for flexibility, contingency planning, and understanding the full scope of retirement beyond investments alone.

Get your complimentary meeting with Heidi and Gerry to make a comprehensive plan for your retirement – call 314-442-6476 or go to RickenFinancial.com.

Click here to learn more about Ricken Financial's upcoming events or call 314-442-6476.

Find the Rickens on social media: Facebook | Instagram | YouTube

See omnystudio.com/listener for privacy information.

What happens when life forces your plan to change overnight? This episode explores the “power of pivoting” in retirement—how unexpected events, from travel mishaps to health diagnoses, job changes, or sudden windfalls, can reshape even the best-laid plans. Heidi Ricken Provost and Gerry Ricken break down why a retirement plan must be flexible, covering income, taxes, risk tolerance, and long-term care. They highlight the difference between having investments and having a true strategy, emphasizing the importance of planning for both positive and difficult life shifts.

Get your complimentary meeting with Heidi and Gerry to make a comprehensive plan for your retirement – call 314-442-6476 or go to RickenFinancial.com.

Click here to learn more about Ricken Financial's upcoming events or call 314-442-6476.

Find the Rickens on social media: Facebook | Instagram | YouTube

See omnystudio.com/listener for privacy information.

What happens when you push yourself to the edge—physically and mentally—and what does that reveal about your life and finances? Heidi Ricken Provost shares her journey preparing for an intense Everesting challenge while reflecting on personal growth, resilience, and empowering others—especially women—to take control of their financial futures. The conversation connects mindset, confidence, and education, highlighting how overcoming challenges can reshape both personal identity and financial decision-making.

Get your complimentary meeting with Heidi and Gerry to make a comprehensive plan for your retirement – call 314-442-6476 or go to RickenFinancial.com.

Click here to learn more about Ricken Financial's upcoming events or call 314-442-6476.

Find the Rickens on social media: Facebook | Instagram | YouTube

See omnystudio.com/listener for privacy information.