Wisdom to Wealth

What if one unexpected health event could erase decades of hard work?
In this episode, Drew Stevens breaks down the single greatest financial threat facing retirees today—long-term care costs. With over 40 years of experience in financial services, Drew explains why most people underestimate this risk and how it can devastate even well-planned retirements.
You’ll learn:
Why 70% of retirees will need care—and what that really means
The emotional and financial toll long-term care places on families
The truth about Medicare and why it won’t protect you
Strategic solutions including hybrid policies, annuities, and asset-based planning
How to avoid becoming a financial burden to your loved ones
This episode isn’t just about planning—it’s about protecting your independence, dignity, and legacy.
🎁 Free Book Offer:Email info@wisdomtowealth.com with subject “Retire Wise Giveaway” and include one referral to receive your complimentary copy (limited to first 50 listeners).
 
retirement planning, long term care insurance, retirement risks, wealth protection, financial planning for retirees, retirement income strategies, healthcare costs retirement

Many people fear running out of money in retirement—but in reality, most don’t. So why does that fear exist?
In this episode, Drew Stevens shares insights from over four decades in financial services and explains the real issue retirees face: not a lack of money, but a lack of structure and income planning.
You’ll discover why having assets isn’t enough, how poor withdrawal strategies can create unnecessary stress, and why taxes and market volatility can quietly impact your retirement.
This episode is designed for individuals approaching retirement or already retired who want clarity, confidence, and a strategy that works in real life—not just on paper.
If you or someone you know is going through a financial transition, this conversation could provide valuable perspective and peace of mind.
retirement planning, retirement income, financial advisor, retirement strategy, taxes in retirement, social security, wealth management, retirement education, financial freedom, income planning

Annuities are one of the most criticized—and misunderstood—financial tools in retirement planning. But are they really as bad as people say?
In this episode, Drew Stevens unpacks the myths, misconceptions, and real-world truths about annuities. With over 40 years of experience, Drew explains how these strategies can be used to create predictable income, protect against market loss, and help retirees avoid running out of money.
If you’re approaching retirement and unsure how to turn your savings into income, this episode will give you clarity, confidence, and a new perspective.

In this episode of the Wisdom to Wealth Podcast, Drew Stevens discusses the most common—and most costly—statement he hears from retirees: “I wish we had met you five years ago.”
This isn’t about major financial mistakes. Instead, it’s about the accumulation of small decisions made without a comprehensive retirement strategy. From claiming Social Security too early to overlooking tax implications and lacking a defined income plan, these missteps can significantly impact long-term financial security.
Drew explains why time is the most valuable asset in retirement planning and why waiting for a “perfect plan” often leads to missed opportunities. He also breaks down how understanding the relationship between income, taxes, and investment strategy can transform uncertainty into confidence.
This episode is ideal for individuals and couples within five to ten years of retirement who want to avoid costly errors and build a clear, structured approach to retirement income planning.
Key topics include retirement strategy, Social Security timing, tax-efficient withdrawals, income planning, and financial clarity.
For more information and resources, visit Wisdom to Wealth.

Navigating Medicare can feel overwhelming—especially when you’re faced with unfamiliar terms like deductibles, copays, coinsurance, and the infamous “donut hole.” In this educational webinar, From Deductibles to Donut Holes: Deciphering Medicare Costs for Retirees, we break down the real costs of Medicare in a clear, practical, and easy-to-understand way.
Designed for retirees, pre-retirees, and financial professionals, this session walks through how Medicare actually works—not just in theory, but in real-life planning scenarios. We explore Medicare Parts A, B, C, and D, uncover hidden costs many retirees overlook, and explain how income-related adjustments like IRMAA can significantly impact your premiums.
You’ll also gain insight into:• The true out-of-pocket costs retirees face• How the Medicare Part D “donut hole” works and how to plan around it• Strategies to reduce lifetime healthcare expenses• Coordination between Medicare and retirement income planning• Common mistakes that can cost retirees thousands
With decades of combined experience helping retirees navigate complex financial decisions, this session is built to educate—not sell—so you can make informed, confident choices about your healthcare in retirement.
If you’ve ever felt uncertain about Medicare or want to better understand how it fits into your overall retirement strategy, this is a must-watch.
 
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Debt doesn’t retire just because you do. In this eye-opening episode, Drew Stevens, Ph.D., breaks down how debt quietly robs retirees of freedom, sleep, and security. From mortgage math to credit card traps, Drew reveals how the financial system keeps retirees in a zero-sum game — and how to escape it.
Key Topics:
The shocking 2025 stats on retiree debt
Why the “mortgage tax deduction” myth doesn’t hold up
How banks use amortization to profit first
How credit card interest compounds against you
Why many advisors avoid talking about debt
How inflation magnifies financial strain
Step-by-step actions to become debt-free before retirement

Inflation is the hidden tax that could quietly destroy your retirement dreams. In this episode, Drew — Your Retirement Professor from Wisdom to Wealth — exposes how inflation erodes your purchasing power and why so many retirees underestimate its long-term impact.
You’ll learn how inflation can cost you hundreds of thousands in lost value, how outdated planning assumptions create financial blind spots, and what strategies can protect your income from the stealthy rise in prices.
Through real stories and practical insights, Drew shares how retirees can outpace inflation using growth-oriented portfolios, TIPS, and inflation-adjusted income strategies that preserve lifestyle and peace of mind.
Don’t let the silent tax steal your retirement. Tune in now, then visit WisdomToWealth.com to access free resources and schedule your personal inflation review today.
#Inflation #RetirementPlanning #FinancialFreedom #WealthManagement #WisdomToWealth #RetirementProfessor #HiddenTax #InflationProtection
 

Most retirees believe they’re prepared—until reality hits. Rising inflation, unpredictable markets, and hidden expenses can silently destroy even the best-laid retirement plans. In this powerful episode of Wisdom to Wealth, financial expert Drew [Last Name] reveals the three biggest threats to your financial freedom—and the proactive steps you can take right now to safeguard your lifestyle, your income, and your peace of mind.
You’ll hear a real-life story of a couple who nearly lost their retirement dream—and how smart planning turned it around. Drew breaks down actionable strategies like stress-testing your plan, diversifying income sources, and factoring in real inflation costs so you can retire with confidence, not fear.
If you want to protect what you’ve worked for and avoid the “Retirement Trap,” this episode is a must-listen.
👉 Call to Action:Schedule a complimentary Retirement Stress Test today at www.wisdomtowealth.comDon’t leave your future to chance—take control now.
#RetirementPlanning #FinancialFreedom #WisdomToWealth #RetireSmart

High-Income, High-Risk: Protecting Wealth for Engineers & Physicians
Earning a high income doesn’t mean you’re financially bulletproof. In fact, engineers and physicians often face unique risks — from lawsuits and malpractice claims to concentrated stock positions, tax traps, and burnout.
In this episode of Wisdom to Wealth, Drew [Your Last Name] shares real stories from doctors and engineers who looked strong on paper but faced hidden vulnerabilities that could have cost them everything. You’ll learn why high earners are often high risk, the three biggest threats to your wealth, and the practical steps to shield your income, assets, and future.
Whether it’s mistimed stock option exercises, malpractice liability, or simply the risk of working too long without a plan for independence, this episode shows you how to transform high income into lasting security.
👉 Please rate and review this podcast, then share it with a colleague, friend, or family member who needs to hear it.

 
If you’ve spent decades serving as a federal employee, union worker, postal carrier, or railway retiree — your pension is more than a paycheck. It’s your power. But without the right strategy, hidden taxes, survivor benefit traps, and costly timing mistakes can erode the retirement you’ve worked so hard to earn.
In this episode of Wisdom to Wealth, Drew [Your Last Name] reveals real stories from federal and union retirees, the pitfalls most people never see coming, and three smart steps to keep more of what you’ve earned. Whether you’re under CSRS, FERS, or a union plan, this conversation is your roadmap to clarity, control, and confidence.
👉 Please rate this podcast 5 stars, leave a quick review, and share it with a friend, colleague, or family member who needs to hear it. Together, we can make sure your pension truly works for you.