The On-Track Retirement Show cover art

The On-Track Retirement Show

The On-Track Retirement Show

By: Pat Schmidt & Jay Curatti
Listen for free

Hosted 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 current plan, we give you the tools and confidence to pursue the retirement of your dreams. New episodes every Tuesday at 8:00 AM.© 2025 Lasting Mark Retirement Group. All rights reserved. Economics Personal Finance
Episodes
  • The Retirement Identity Crisis: Who Are You Without Work?

    The Retirement Identity Crisis: Who Are You Without Work?
    Jun 30 2026
    You'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
    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
    Show More Show Less
    18 mins
  • The Healthcare Blind Spot That Derails Retirement Plans

    The Healthcare Blind Spot That Derails Retirement Plans
    Jun 23 2026
    In 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 living, memory care, and home healthcare, this conversation shines a light on the risks that can derail even the strongest retirement plan.

    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
    Show More Show Less
    28 mins
  • Why Your IRA Could Be Your Biggest Retirement Risk

    Why Your IRA Could Be Your Biggest Retirement Risk
    Jun 16 2026
    Have 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 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
    Show More Show Less
    30 mins
adbl_web_anon_alc_button_suppression_t1
No reviews yet