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PODCAST

Power Your Retirement

Hosted by Steve Smit, CERTIFIED FINANCIAL PLANNER® and founder of Powerhouse Financial Advisors, this podcast is designed to help employees of large publicly traded utility companies take control of their retirement planning. Steve, author of Power Up Your 401(k), shares insights on maximizing 401(k) options, navigating self-directed brokerage accounts, and creating a secure financial future. Tune in for practical advice, helpful resources, and strategies to power up your retirement! Subscribe and

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All Episodes

9:50

Mailbag: Extra Cash, Big Decisions, and the Truth...

Power Your Retirement ·

2026/02/12

Send a text 📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12 ⚡ Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html Paying off debt is a huge milestone, but what you do next can shape the rest of your retirement. In this episode, Steve tackles two common listener questions: how to wisely redirect extra cash after

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13:52

At 55, Is It Too Late for a Roth 401(k)?

Power Your Retirement ·

2026/02/05

Send us a text 📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12 ⚡ Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html One of the most important retirement decisions doesn’t show up on your paycheck; it shows up in how your contributions are taxed. That’s what prompted a recent listener question about whether 401(k)

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17:26

10 Retirement Myths Too Many People Still Believe

Power Your Retirement ·

2026/01/29

Send us a text 📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12 ⚡ Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html There’s no shortage of financial advice out there, and unfortunately, not all of it is good. Some of the most damaging retirement mistakes don’t come from reckless behavior, but from ideas that sound

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16:16

Is The Economy Set Up For A Better 2026?

Power Your Retirement ·

2026/01/22

Send us a text 📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12 ⚡ Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html After a year filled with volatility and economic curveballs, it’s understandable why optimism about the economy may not come naturally for many people. Steve shares why one economist believes 2026

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20:35

Financial Lessons from a Snow Day

Power Your Retirement ·

2026/01/15

Send us a text 📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12 ⚡ Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html There’s something unforgettable about a snow day- unexpected, disruptive, and strangely freeing. In this episode, Steve borrows classic snow-day moments and turns them into practical lessons for

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13:54

What’s Changing in 2026 (And Why It Matters to Your...

Power Your Retirement ·

2026/01/08

Send us a text 📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12 ⚡ Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html A new year brings new rules, and some of the changes in 2026 could quietly impact your cash flow, taxes, and retirement strategy. In this episode, Steve walks through the most important updates

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11:39

Your Year-End Retirement Planning Questions Answered

Power Your Retirement ·

2025/12/31

Send us a text 📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12 ⚡ Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html As we close out 2025 and look ahead to the new year, we’re answering listener questions in this special mailbag episode. From spending more in retirement to finding the right kind of financial

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24:58

The 5 Retirement Questions Smart People Ask

Power Your Retirement ·

2025/12/23

Send us a text 📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12 ⚡ Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html You’ve heard the saying, “There’s no such thing as a bad question.” But in retirement planning… some questions are definitely better than others. In this episode, we’ll shift some common financial

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17:41

5 Financial Advisor Red Flags You Can’t Ignore

Power Your Retirement ·

2025/12/18

Send us a text 📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12 ⚡ Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html How do you know if the financial advisor you’re working with is actually the right fit or a costly mistake waiting to happen? Steve pulls back the curtain and shares five major red flags that often

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18:34

What It’s Really Like to Be a Client of a Financial...

Power Your Retirement ·

2025/12/11

Send us a text 📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12 ⚡ Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html We spend plenty of time talking about how to become a client, but today we flip the script and talk honestly about what it’s like once you’ve actually become a client. Steve pull backs the curta...

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15:40

Retirement Health Care Costs Just Jumped Again (2025...

Power Your Retirement ·

2025/12/04

Send us a text Fidelity just released their 2025 Retiree Health Care Cost Estimate, and the number is staggering: $172,500 for a 65-year-old retiring today. The bigger problem? One in five Americans haven’t even thought about health care costs in retirement. Steve breaks down what this means, why it matters, and how to prepare before medical costs derail your plan. Health care is one of retirement’s biggest wildcards, but with the right strategy, you can make it just another budget item, not ...

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19:37

The Financial Power of Thankfulness

Power Your Retirement ·

2025/11/26

Send us a text Thanksgiving gives us the perfect excuse to pause and appreciate what’s going right, financially and otherwise. Gratitude doesn’t just lift your mood; it has a real impact on how you save, spend, and plan for the future. When we slow down long enough to acknowledge what we have, it becomes easier to make wiser, more grounded financial decisions. Today, Steve talks about how thankfulness may be one of the most powerful financial tools you already possess. Here’s some of what we ...

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18:01

Do Your Feelings Belong in Your Financial Plan?

Power Your Retirement ·

2025/11/20

Send us a text Most people think financial planning is about calculators, spreadsheets, and strategies, but that’s only half the story. The way you feel about money can influence your decisions just as much as the numbers do. Steve explores how emotions shape retirement choices, investment preferences, debt decisions, and even legacy goals. Numbers create the structure, but your feelings shape the plan that truly fits your life. Here’s some of what we discuss in this episode: 📉 Market

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17:06

Where Should You Invest $1 Million?

Power Your Retirement ·

2025/11/13

Send us a text What would you do if a client came in with $1 million in cash to invest? That was the question put to three financial advisors in a recent article. Today, Steve is reacting to their takes and adding some important layers that the article missed. It’s interesting to hear what other pros recommend, but the reality is that every million-dollar plan is unique. Here’s some of what we discuss in this episode: 💰 The Million-Dollar Question: What makes this investment scenario so...

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13:48

Is Now the Time to Invest More in Bonds?

Power Your Retirement ·

2025/11/06

Send us a text Bonds used to be the “boring” part of a portfolio- safe, steady, and not very exciting. But with yields at multi-decade highs, many investors are asking: is now the time to give bonds a bigger role in your strategy? In this episode, Steve explains how to evaluate bond opportunities in today’s environment and assess whether they’re a wise choice for you. Before you go all in, make sure the mix fits your long-term plan. Here’s some of what we discuss in this episode: 🧠 Investor

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17:56

What To Know About The “First Year Rule” Of Retirement

Power Your Retirement ·

2025/10/30

Send us a text Well, you’re retired. Now what? Some people subscribe to the “first year rule,” which says that the majority of your best retirement months will all take place in the first year of retirement. So how can you be strategic during that first year and set the tone in the right way, both emotionally and financially? In this episode, Steve outlines five key areas that every new retiree should focus on during this major life transition. Here’s some of what we discuss in this epi...

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14:25

4 Ways to Refresh Your Finances Today!

Power Your Retirement ·

2025/10/23

Send us a text October is known for cooler weather, pumpkins, and Halloween. But did you know it’s also Financial Planning Month? While it might not come with costumes or candy, it’s a perfect reminder to pause, take stock, and be intentional with your money. Steve shares four simple but powerful ways to refresh your financial life and make sure your money is aligned with your values and future plans. A little reflection now can go a long way toward making your financial future more secure… a...

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8:19

How To Handle Big Purchases In Retirement

Power Your Retirement ·

2025/10/16

Send us a text In this mailbag episode, Steve tackles a listener question from Seth about whether or not to buy an RV in retirement, and how to do it without wrecking his financial plan. Should he drain his IRA and take the tax hit, or take on new debt in his 60s? Steve walks through how to think about big-ticket purchases in retirement, when debt might be acceptable, and how Roth 401(k)s can play a role in funding goals tax-efficiently. If you’ve ever wondered how to balance enjoyment and fi...

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20:30

What Parents Regret Most About College Costs

Power Your Retirement ·

2025/10/09

Send us a text For many parents, the dream of sending their kids to college comes with a heavy financial hangover. In this episode, Steve breaks down the surprising new research showing how college costs are derailing retirement goals, and why nearly half of parents say they’d rather talk about drugs and politics than tuition costs. Steve explains where families go wrong, from overextending themselves to skipping retirement contributions, and offers smarter strategies to help parents fund edu...

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25:08

The Gas Station Sushi Equivalent Of Retirement Planning

Power Your Retirement ·

2025/10/02

Send us a text We all know there are things in life you probably shouldn’t trust, like gas station sushi or an email from a Nigerian prince. But what about when it comes to retirement planning? Sometimes what looks safe, easy, or even “guaranteed” isn’t so trustworthy when you peel back the layers. In this episode, Steve shares the financial “gas station sushi” equivalents that lure people in but can leave them feeling sick later. Here’s some of what we discuss in this episode: 🍣 The lu...

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68 results

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