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PODCAST

Retirement Planning Happy Hour

Eric Douglas, Chris Vaughn

Retirement Planning Happy Hour is where serious retirement conversations are had over a taste of Kentucky. Hosted by financial professionals in the heart of bourbon country, we blend insightful discussions on financial planning, investing, taxes, and life in retirement, with a splash of Kentucky charm. Whether you’re nearing retirement or already enjoying it, pull up a chair, pour a glass, and join us as we explore how to make the most of your next chapter—on your terms.

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All Episodes

59:42

The Value of Financial Planning

Retirement Planning Happy Hour ·

2026/01/07

Send us a text In this episode, we break down one of the most overlooked truths in retirement planning: your income plan is the engine that drives everything else. Most people jump straight into investments, but without knowing how much income you need—and how long it must last—your financial plan is incomplete from the start. We unpack why every dollar in your portfolio needs a job, why investments can’t be chosen until your income strategy is set, and how to avoid retiring into a lifestyle...

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49:33

The Emotional Mistakes That Derail Investors

Retirement Planning Happy Hour ·

2025/12/17

Send us a text In this episode, we break down the real reasons why so many people make costly mistakes in financial planning—and why emotions, not the markets, are often the biggest threat to long-term success. From chasing trends you don’t understand, to panicking at dips with no real news behind them, to following the “lemmings” of Wall Street, we explore how emotional decision-making can sabotage even the best-designed portfolios. We dive into the emotional cycle of investing, why euphoria...

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60:49

The Truth About Alternative Investments

Retirement Planning Happy Hour ·

2025/12/10

Send us a text Most financial mistakes don’t come from bad luck—they come from misunderstanding risk. In this episode, we dig into one of the biggest blind spots in financial planning: private equity and the myths surrounding “exclusive” investments. While wealthy investors get early access to the best opportunities, the average investor only sees the deals that have already been passed on by those with the deepest pockets. And by the time these funds reach the general public, they're o...

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50:52

More Things To Know Prior to Retirement - Part 2

Retirement Planning Happy Hour ·

2025/11/25

Send us a text In this episode of The Retirement Planning Happy Hour, Eric Douglas and Chris Vaughn of Family Wealth Planning Partners continue their candid discussion on what retirement is really like—beyond the numbers. From adjusting to a new daily routine to finding purpose, this conversation dives into the emotional and lifestyle transitions that often surprise retirees. You’ll discover why balancing rest and purpose matters, how to avoid losing your identity after leaving your career, a...

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64:46

Fear-Based Financial Products: What’s Real and What’s...

Retirement Planning Happy Hour ·

2025/11/12

Send us a text In this episode of Retirement Planning Happy Hour, Eric Douglas and Chris Vaughn expose the truth behind fear-driven financial products that target seniors and retirees. From title protection scams to physical gold sales, Medicare Advantage hype, and burial insurance traps — they reveal what’s actually worth your money and what’s just clever marketing. You’ll learn: Why most “title protection” plans only alert you, not protect you The real math behind gold vs. the S&P 500 ...

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50:47

Things To Know Prior to Retirement - Part 1

Retirement Planning Happy Hour ·

2025/10/29

Send us a text In this episode, we dive into the realities of retirement that most people don’t see coming. From understanding why you’re retiring to the emotional and financial challenges that follow, Eric Douglas and Chris Vaughn share lessons learned from years of guiding clients through one of life’s biggest transitions. We’ll discuss the difference between retiring from something and retiring to something, why purpose matters as much as planning, and how to avoid common mistakes like re...

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58:46

Are Roth Conversions Worth It?

Retirement Planning Happy Hour ·

2025/10/16

Send us a text In this episode, we dive into one of the most common—and misunderstood—strategies in retirement planning: Roth conversions. While they’re often promoted as a one-size-fits-all tax solution, the truth is more complicated. From longevity risk and spending risk to RMD concerns and Medicare surcharges, many retirees discover that conversions may not benefit them during their lifetime at all. We’ll uncover why timing, tax brackets, and liquidity matter more than conventional w...

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51:43

Why Won't the Market Crash Already?

Retirement Planning Happy Hour ·

2025/10/09

Send us a text In this episode, we dive into the truth about investor sentiment and why emotions often drive market behavior more than logic. From inflation fears to market corrections, we’ll show you why reacting to headlines and short-term noise can cost you big in the long run. We’ll break down how the economy’s resilience, the role of corrections, and the impact of missing the market’s best days all prove one thing: patience pays. Instead of panicking, learn how to zoom out, stay investe...

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56:43

Mistakes We See from DIYers: The Hidden Costs of...

Retirement Planning Happy Hour ·

2025/10/02

Send us a text In this episode, we break down some of the most common mistakes people make when trying to “DIY” their financial planning. While the idea of saving money on advisor fees sounds appealing, the reality is that DIY missteps often cost far more in the long run. From being reactive instead of proactive, trusting the wrong “advisor,” or assuming debt-free means financially secure, these mistakes can derail your future. We’ll explore why proactive planning matters, the hidden risks be...

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66:57

Why We Hate the Term Financial Advisor

Retirement Planning Happy Hour ·

2025/09/25

Send us a text In this episode, we dive into the misconceptions surrounding the term “financial advisor.” Today, many insurance companies encourage agents to get licensed so they can present themselves as advisors. While that may sound legitimate, much of the guidance they provide still ties back to the products their company sells. We’ll explore the critical differences between investment advisors and financial planners, why validation is not the same as strategy, and how overlooking pitfall...

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59:52

How Does the Big Beautiful Bill Affect Your Retirement?

Retirement Planning Happy Hour ·

2025/09/19

Send us a text In this episode, we break down one of the most significant tax law changes in recent years—and how it could impact your financial future. From permanently low tax rates and shifting Roth conversion strategies, to inflation-adjusted deductions, charitable contribution updates, and gifting rules, this bill touches nearly every part of tax planning. We’ll explore what these changes mean for your family, your wealth, and your ability to give—both during your lifetime and through y...

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57:07

Money Mistakes: The Hidden Traps in Financial Planning

Retirement Planning Happy Hour ·

2025/09/02

Send us a text In this episode, we uncover some of the most common—and costly—mistakes people make in financial planning. From choosing the wrong advisor, letting pride or ignorance guide decisions, to confusing accountants with financial planners, these errors can derail your path to financial security. We’ll explore why patience in the market is crucial, why “doing nothing” is sometimes the smartest move, and why delegating to professionals can save you from costly ripple effects. Wh...

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57:29

Where Do We Actually Learn About Money?

Retirement Planning Happy Hour ·

2025/08/27

Send us a text In this episode, we unpack the question: Where do we actually learn about money? The truth is, most of us never had formal lessons in school about saving, debt, or investing. Instead, we learned from our parents, from what we saw at home, or—sometimes—from painful mistakes as adults. Whether through arguments about bills, small childhood purchases, or late-night financial stress, those lessons stick with us and shape our money mindset. We’ll break down how early experiences in...

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52:10

Why Annuities are the Used Car of the Financial Industry

Retirement Planning Happy Hour ·

2025/08/19

Send us a text In this episode, we break down everything you need to know about annuities—what they are, what they’re not, and why so many people misunderstand them. From fixed and indexed annuities to single and joint life options, we reveal the real purpose of these insurance products and the tradeoffs that come with them. We’ll also explain why annuities aren't investments, how they provide downside protection, and why understanding terms like liquidity, flexibility, and contract le...

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52:11

How to Handle Inheritances

Retirement Planning Happy Hour ·

2025/08/06

Send us a text In this episode, we uncover why inheritance planning is far more than just receiving assets—it’s about understanding the rules, taxes, and strategies that ensure you keep more of what’s passed down. Many families are surprised by how account types, tax laws, and timing can drastically impact the true value of what heirs receive. We’ll explore special rules for spouses inheriting IRAs, how inherited Roth accounts should be managed for maximum tax‑free growth, and why communicati...

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54:25

Will A.I. Really Take All the Jobs?

Retirement Planning Happy Hour ·

2025/07/23

Send us a text In this episode, we dive deep into the rise of Artificial Intelligence—what it really is, how it’s already integrated into our daily lives, and why it’s one of the most transformational tools of the 21st century. From ethical concerns to the future of work, we explore how AI can either empower or overwhelm, depending on how we choose to use it. We’ll discuss the myths, the fears, and the opportunities surrounding AI—from smartphone dependency to automation, innovation, and the...

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47:52

How Do You Diversify When Everything's Correlated?

Retirement Planning Happy Hour ·

2025/07/11

Send us a text In this episode, we break down one of the most critical shifts in modern investing—how the traditional relationship between stocks and bonds is changing. For decades, bonds acted as the safety net when stocks fell, providing balance and protection in diversified portfolios. But recent years, especially since 2022, have shown a troubling trend: stocks and bonds moving down together. We’ll explore why this positive correlation is happening, how it impacted the traditional ...

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56:26

All the Ways to Diversify in a Portfolio

Retirement Planning Happy Hour ·

2025/07/01

Send us a text In this episode, we dive deep into one of the most essential strategies in financial planning—diversification. While many investors chase headlines and compare their returns to the S&P 500, true success lies in building a portfolio that’s balanced, resilient, and aligned with your goals. We’ll break down sector diversification, strategic long-term investing, tax diversification, and how to manage risk in retirement through smarter allocation. You’ll learn why different inv...

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40:02

How Do You Use Cash and Emergency Funds in Retirement?

Retirement Planning Happy Hour ·

2025/06/24

In this episode, we explore the real purpose of emergency funds and why holding too much cash could actually be hurting your financial future. We unpack the hidden risks of inflation, what qualifies as a true emergency, and why “safe” money may not be as safe as you think. You’ll learn how to set up your emergency fund the right way, how to avoid the 10% penalty on retirement accounts, and why too much cash can drag down long-term portfolio growth. We’ll also break down the critical differen...

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50:13

Why We Must Talk about Estate Planning

Retirement Planning Happy Hour ·

2025/06/17

In this episode, we dive deep into the misunderstood world of estate planning—unpacking the power of trusts, the importance of wills, and how to protect your family long after you're gone. From setting up guardianship for your children to understanding the differences between revocable and irrevocable trusts, we break down complex topics into clear, actionable insights. You’ll learn why not all trusts protect your assets, how beneficiaries can remove trustees, and what happens if you fail to...

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