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PODCAST

Mastering Your Wealth

Need a hand in making your best retirement possible? Join David Gagnon on the Mastering Your Wealth podcast! From taxes to long-term care, Social Security maximization, retirement income planning, and more, David’s show is designed to help educate the community on the important steps for preparing for retirement. David’s goal is to answer your pressing retirement questions and boost your confidence going into retirement.

business investing

All Episodes

16:41

Is AI Hype Creating Hidden Risk in Your Retirement...

Mastering Your Wealth ·

2026/10/06

Could AI hype be quietly increasing the risk in your retirement portfolio? David Gagnon explains why headline-driven investing can lead to costly decisions and how hidden concentration in technology stocks may be affecting diversification. He breaks down the four key areas investors should evaluate: risk tolerance, time horizon, diversification, and concentration. The conversation also explores longevity risks, inflation, healthcare costs, retirement income planning, and common estate planning

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18:00

The Fed Raised Rates: Should Retirees Be Worried?

Mastering Your Wealth ·

2026/09/29

A Fed rate hike has investors wondering if market trouble is next, but are the headlines distracting retirees from the questions that matter most? David Gagnon explains why rising interest rates don't automatically spell disaster for stocks, how retirees can avoid costly emotional decisions, and why income planning matters more than predicting the market. The conversation covers debt management, creating reliable retirement income, managing risk during market volatility, and taking advantage of

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18:16

Why Panic Can Cost More Than a Market Drop

Mastering Your Wealth ·

2026/09/22

What if the biggest threat to your retirement isn't a market crash, but the decisions you make during one? David Gagnon explores why financial anxiety is rising as inflation, market volatility, and geopolitical uncertainty weigh on investors. He discusses the risks of emotional decision-making, the importance of proactive retirement planning, and how income, tax, and investment strategies can work together to help address uncertainty. The conversation also examines surprising retirement timing data

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20:44

Rising Rates, Retirement Risks, and Hidden Opportunities

Mastering Your Wealth ·

2026/09/15

Are rising Treasury yields creating hidden opportunities or unexpected risks for retirees? On this episode, David Gagnon breaks down how higher interest rates can impact stocks, bonds, income strategies, and retirement portfolios. He explores why some retirees struggle to spend confidently in retirement, the role of income planning in reducing financial anxiety, the continued growth in annuity adoption despite criticism, and how healthcare and long-term care costs can affect retirement plans. The

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15:22

Could Rolling Your Roth IRA Back Into a 401(k) Ever...

Mastering Your Wealth ·

2026/09/08

Could a new rule change give retirees another option for managing Roth savings? On this episode, David Gagnon explains a proposed change that could allow Roth IRA assets to be rolled into workplace Roth plans and why that decision requires careful analysis. He explores the tradeoffs between consolidation and flexibility, discusses the role of AI in financial planning, breaks down how to evaluate advisory fees based on value rather than cost alone, and shares strategies for addressing inflation risk

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16:31

Are Taxes Costing You More Than the Market?

Mastering Your Wealth ·

2026/09/01

Are hidden taxes quietly taking a bigger bite out of your retirement than market volatility? On this episode, David Gagnon explains why retirement success is about more than investment returns. He discusses tax planning, Roth conversions, Social Security claiming strategies, healthcare costs, and the small financial habits that can shape long-term retirement outcomes. The conversation highlights how coordinated planning can help uncover blind spots, reduce costly mistakes, and bring greater clarity

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16:11

The Retirement Prediction Board: Which Risks Are Most...

Mastering Your Wealth ·

2026/08/25

What if the biggest retirement risks aren't the ones you can predict? David Gagnan explores the retirement “prediction board,” examining how inflation, market volatility, health changes, taxes, and shifting retirement timelines can affect long-term plans. He also discusses why income planning matters just as much as saving, the realities behind low withdrawal rates, and whether the traditional 401(k) approach still fits today's retirement landscape. The conversation focuses on preparing

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17:17

The Retirement Mistake You May Not See Coming

Mastering Your Wealth ·

2026/08/18

What if the biggest threat to your retirement isn't the market, but the financial blind spots you're overlooking today? David Gagnon explains why waiting to plan for retirement can limit your options, how tax-deferred savings may create future tax challenges, and why proactive tax planning matters long before retirement begins. The conversation covers wealth transfers, required minimum distributions, Social Security taxation, and the importance of building a strategy based on your goals instead of

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14:45

The Biggest Retirement Risk Might Not Be What You Think

Mastering Your Wealth ·

2026/08/11

Retirement isn’t derailed by one big mistake. It’s often shaped by the questions people never stop to ask. David Gagnon explains why many pre-retirees have investment accounts but not a true retirement plan and discusses the shift from saving to spending as more baby boomers enter retirement. The conversation covers income planning, taxes, Social Security decisions, longevity risk, and why relocating to a lower-tax state may not deliver the savings many expect. It’s a practical

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18:02

Warren Buffett Cut Risk. Should Retirees Do the Same?

Mastering Your Wealth ·

2026/08/04

What if the biggest risk in retirement isn’t the stock market, but playing it too safe? On this episode David Gagnon discusses Warren Buffett’s decision to move billions into cash and what it reveals about managing risk in retirement. He explains sequence of returns risk, the importance of aligning investments with income needs, and how a strategic withdrawal plan can help retirees balance growth, liquidity, and stability. The conversation also explores the growing role of AI in

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15:01

Is Your Retirement Plan Missing the Most Important...

Mastering Your Wealth ·

2026/07/28

What happens when a health crisis, market downturn, or missing paperwork collides with retirement? David Gagnon explains why retirement planning goes beyond investments and income, covering the critical role of estate planning, beneficiary reviews, powers of attorney, and healthcare directives. He also discusses creating reliable retirement income, the differences between residual income and annuities, and why hoping for a financial windfall is not a retirement strategy. Learn how written plans,

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15:55

Why a Million Dollars May Not Mean What You Think in...

Mastering Your Wealth ·

2026/07/21

Can a million dollars create a false sense of security in retirement? David Gagnan explains why focusing on a big account balance can be misleading without understanding the income it can generate after taxes, inflation, healthcare costs, and market volatility. He discusses how “number blindness” affects retirement decisions, why there is no universal retirement magic number, and how hidden risks like taxes, sequence of returns risk, and market overconfidence can impact long-term

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16:26

The Annuity Comeback: Why More Retirees Are Taking a...

Mastering Your Wealth ·

2026/07/07

What happens if retirement arrives sooner than expected—and your paycheck disappears overnight? David Gagnon discusses why more advisors are incorporating annuities into retirement income planning, how today’s annuity options differ from those of the past, and the role guaranteed income can play alongside Social Security and other assets. He also explores the growing risk of unplanned early retirement due to health issues, layoffs, or caregiving responsibilities, and shares strategies

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16:26

Why Are More Retirees Taking a Second Look at Annuities?

Mastering Your Wealth ·

2026/07/02

What happens if retirement arrives sooner than expected—or your income plan depends too much on the market? David Gagnan explains why annuities are getting renewed attention in today’s retirement landscape and how they may help create predictable lifetime income. He discusses the different types of annuities, common misconceptions, healthcare-related features, and how they can fit into a broader retirement strategy. The conversation also explores forced early retirement, Social Security

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16:36

Is Your Retirement Plan Built on Hope or a Real...

Mastering Your Wealth ·

2026/06/23

What if your retirement plan is built more on hope than strategy? David Gagnon explains why many savers overlook future costs, taxes, and risks—and how that leads to costly blind spots. He compares retirement planning to building a home, emphasizing the need for a detailed blueprint, not guesswork. The conversation explores tax-efficient investing, income layering, and the hidden impact of withdrawals like “phantom income” that can trigger higher taxes and premiums. With a focus on

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15:37

Your Retirement Paycheck: Why the First Year Matters...

Mastering Your Wealth ·

2026/06/16

Retirement can feel uncertain when your paycheck disappears—but what replaces it? David Gagnan breaks down why the first year of retirement sets the tone for decades, and how a lack of structure—not savings—often creates financial anxiety. He explains the importance of building a personalized income plan, coordinating accounts, managing inflation risk, and shifting from accumulation to distribution. The conversation also highlights common mistakes in the final years before

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16:17

Are You One Emergency Away from Financial Trouble?

Mastering Your Wealth ·

2026/06/09

What happens when unexpected expenses or hidden retirement risks derail your financial plan? On this episode, David Gagnan explores why emergency funds, flexible liquidity tools like HELOCs, and detailed income planning are essential for long-term stability. He breaks down how to separate essential, lifestyle, and surprise expenses, identify income gaps, and stress test a retirement plan against risks like inflation, healthcare costs, and market volatility. The conversation also challenges

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15:24

Should You Move Your Roth IRA Back to a 401(k)?

Mastering Your Wealth ·

2026/06/02

Is moving your Roth IRA back into a workplace plan a smart move—or a costly mistake? David Gagnon explores a proposed rule change that could allow Roth IRA rollbacks into employer plans and why consolidation isn’t always better. He breaks down how fees, investment options, flexibility, and tax strategy should guide every decision. The conversation also examines the real value of financial advice versus fees, the limits of AI in retirement planning, and practical ways to manage inflation

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16:39

Donald Trump Jr Has Retirement Advice for You

Mastering Your Wealth ·

2026/05/27

A conversation at Mar-a-Lago brings an unexpected takeaway: retirement success starts with one word—planning. David Gagnon breaks down insights from Donald Trump Jr. on why early preparation, understanding the fundamentals, and staying adaptable matter at any income level. David will break down why tax strategy, diversification, and long-term forecasting matter more than most people realize. From understanding how the wealthy approach the tax code to avoiding future tax traps tied to pre-tax

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17:53

Could Your Retirement Last 40 Years?

Mastering Your Wealth ·

2026/05/20

A longer life could quietly reshape everything about your retirement plan. David Gagnon explains why planning for 30–40 years of income is becoming more realistic, and how outdated assumptions can create risk. The conversation explores the decline of pensions, the growing reliance on Social Security, and how inflation, healthcare costs, and longevity impact financial stability. They also break down a common strategy—claiming Social Security early to invest—and why it often

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98 results

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