How much you need to retire quiz: https://bit.ly/Adam-Olson

What actually happens when you retire with $3 million in traditional retirement accounts?

In this episode, I walk through the real numbers behind Required Minimum Distributions (RMDs) starting at age 73—and why having a large IRA or 401(k) can quietly turn into a tax and Medicare premium problem if you don’t plan ahead.

You’ll learn:

• What a $3M portfolio forces you to withdraw in your first RMD year

• How RMDs stack with Social Security, pensions, and dividends

• Why many retirees end up in higher tax brackets than they expected

• How RMD income can trigger IRMAA Medicare surcharges years later

• The surviving spouse tax trap almost no one sees coming

• What proactive tax planning (like Roth conversions) can still do—before it’s too late

The biggest threat to a well-funded retirement isn’t market loss—it’s government-mandated income taxed on their schedule, not yours.

I’m Adam Olson, a CFP®. I used my 14 years of experience to create the Red Zone Retirement Planning Process, so that your retirement feels like a Saturday every day.

If you want help optimizing your own retirement plan, click the link to fill out the questionnaire and I’ll send you a personalized video showing exactly how this applies to your situation.

How much you need to retire quiz: https://bit.ly/Adam-OlsonInvesting involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.

If you’re 55 or older and feel financially behind heading into 2026, this episode may completely change how you think about retirement.

Most people assume retirement readiness is about how much you’ve saved. But after working with hundreds of pre-retirees, I’ve found that it’s not a number problem—it’s a sequence problem.

In this episode, I break down why being in your late 50s or early 60s with a lower balance can actually give you more leverage than someone with twice the money but worse timing. You’ll learn how low-income years, tax sequencing, and intentional withdrawals can help you flatten your tax curve, reduce future IRS exposure, and avoid Medicare IRMAA surprises.

We’ll cover:

• Why feeling “behind” can actually be a timing advantage

• How MAGI suppression can unlock ACA subsidies worth $15,000–$25,000 per year

• Strategic IRA spend-downs that prevent future RMD explosions

• How Social Security can be used as a tax-planning tool—not just a benefit

• Why redirecting contributions and eliminating debt before retirement creates freedom

• The real catch-up move that has nothing to do with saving more

This is the foundation of my Red Zone Retirement Planning process—helping you catch up by design, not by stress or guesswork.

If you’re in the window before the system stops giving you options, this is the episode you don’t want to miss.

How much you need to retire quiz: https://bit.ly/Adam-OlsonInvesting involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.

How much you need to retire quiz: https://bit.ly/Adam-Olson

Most people think they’re “getting ready” for retirement between ages 60 and 67.
In reality, this is when many retirees quietly sabotage their entire plan.

In this episode, I break down 9 common purchases people make before age 62 that seem smart—but actually destroy flexibility, increase taxes, and cost tens of thousands of dollars over time .

You’ll learn:

• Why the 60–67 window is the most tax-sensitive period of your entire financial life

• How early annuities, insurance, renovations, and debt payoffs can backfire

• The hidden impact these decisions have on Roth conversions, ACA subsidies, IRMAA, and Social Security timing

• Real client examples where “good intentions” led to massive opportunity loss

• What you should spend money on instead during the Retirement Red Zone

This episode is especially important if you’re within 5–7 years of retirement and want to protect your income, lower lifetime taxes, and stay in control—without locking yourself into irreversible decisions.

If you want help sequencing your income the right way and avoiding the mistakes that derail most retirements, check the link in the show notes.

How much you need to retire quiz: https://bit.ly/Adam-OlsonInvesting involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.