Preserving Your Retirement with Ryan Cowley

Preserving Your Retirement with Ryan Cowley

2026 03 28 Are You Retiring Toward Something or Just Away From Work?
/
Are you retiring toward something meaningful… or just trying to escape work? In this episode of Preserving Your Retirement, Ryan Cowley explores the emotional and financial sides of retirement. Learn how purpose, spending habits, structure, and legacy planning all play a role in building a retirement that’s not just sustainable—but fulfilling.
  1. 2026 03 28 Are You Retiring Toward Something or Just Away From Work?
    2026 03 28 Are You Retiring Toward Something or Just Away From Work?

    Are you retiring toward something meaningful… or just trying to escape work? In this episode of Preserving Your Retirement, Ryan Cowley explores the emotional and financial sides of retirement. Learn how purpose, spending habits, structure, and legacy planning all play a role in building a retirement that’s not just sustainable—but fulfilling.

  2. 2026 03 21 The Retirement Income Reality Check: What's Sustainable and What's Not
    2026 03 21 The Retirement Income Reality Check: What's Sustainable and What's Not

    Spring is a time for fresh starts—and your retirement plan might need one too. In this episode of Preserving Your Retirement, Ryan Cowley delivers a Retirement Income Reality Check, breaking down what it really takes to create sustainable income in retirement.If you’ve been focused on your account balance, this episode challenges you to think differently: it’s not about how much you have—it’s about how long your income lasts.Ryan covers the three major threats to retirement income:Inflation quietly eroding your purchasing powerLifestyle creep increasing spending in the early yearsLongevity risk stretching retirement across 25–30 years or moreYou’ll learn why common rules of thumb may fall short, how poor withdrawal strategies can create long-term problems, and what it takes to build a reliable “retirement paycheck.”If you’re within 10 years of retirement—or already there—this episode will help you rethink your strategy and focus on what matters most: turning your savings into sustainable income for life.

  3. 2026 02 28 The 3 Biggest Retirement Mistakes
    2026 02 28 The 3 Biggest Retirement Mistakes

    In this episode of Preserving Your Retirement, Ryan and Susan break down the three biggest retirement mistakes that can quietly sabotage your financial future. From underestimating expenses and making costly investment errors to mismanaging withdrawals and failing to plan for the unexpected, we uncover how these common missteps can put your nest egg at risk. More importantly, we share practical strategies to help you build a flexible, tax-smart, and resilient retirement plan designed to weather market volatility, inflation, healthcare costs, and longevity. If you’re nearing retirement or already there, this episode is packed with insights to help you protect what you’ve worked so hard to build.

  4. 2026 02 21 The Retirement Myths That Won't Die
    2026 02 21 The Retirement Myths That Won't Die

    Are you basing your retirement on rules that were created decades ago?In this episode of Preserving Your Retirement, Ryan Cowley exposes the retirement myths that just won’t die—the 4% rule, the “$1 million is enough” benchmark, and the belief that bonds are always safe.Discover why outdated assumptions can quietly derail a modern retirement—and what a personalized strategy should look like instead. If you’re within 10 years of retirement or already there, this conversation could change how you view your financial future.

  5. 2026 02 14 Don't Fall In Love With Your Investments
    2026 02 14 Don't Fall In Love With Your Investments

    This Valentine’s Day, are you too emotionally attached to your investments?On this episode of Preserving Your Retirement, Ryan Cowley breaks down how nostalgia, loyalty, and the urge to “get back to even” can quietly sabotage your retirement plan. Learn how disciplined investing replaces emotion with clarity—and why a healthy relationship with your money starts with structure, not sentiment.

  6. 2026 01 24 Are You Invested for the Market You Want or the One You're Invested In
    2026 01 24 Are You Invested for the Market You Want or the One You're Invested In

    Are you invested for the market you hope for—or the one you’re actually living in? In this episode of Preserving Your Retirement, Ryan Cowley delivers a timely reality check for investors and retirees navigating today’s unpredictable markets. From misplaced optimism and hidden risk to outdated portfolio assumptions and emotional decision-making, this show breaks down the biggest threats to retirement security. You’ll learn why hope isn’t a strategy, how misaligned risk can quietly derail your plan, and why a fiduciary, facts-based approach matters more than ever. If you’re nearing retirement or already retired, this episode will challenge your assumptions and help you decide whether your plan is built for reality—or just wishful thinking.

  7. 2026 01 17 Can Your Retirement Survive a Bad Year?
    2026 01 17 Can Your Retirement Survive a Bad Year?

    January is when market optimism meets reality. Volatility spikes, inflation fears resurface, and headlines get loud. In this episode of Preserving Your Retirement, Ryan Cowley walks through the concept of a retirement stress test—and why most retirement plans look fine on paper until a bad year exposes their weaknesses.Ryan and Susan break down how early market downturns, emotional decision-making, longevity, and rising costs can quietly derail retirement income. You’ll hear why relying on averages and hope isn’t a strategy, how sequence of returns risk works against retirees, and why DIY investing often fails when real-world stress hits. Most importantly, Ryan explains how a professionally managed plan is designed to adapt, protect income, and provide confidence no matter what the markets do.If you’re nearing retirement, already retired, or simply want to know whether your plan is built to survive real-life conditions—not just good years—this episode will help you think differently about risk, income, and long-term security.

  8. 2026 01 10 Your First Paycheck of 2026: What Retirement Withdrawals Should Look Like
    2026 01 10 Your First Paycheck of 2026: What Retirement Withdrawals Should Look Like

    You worked your whole life for a paycheck—so why does retirement feel like you’re just guessing?In this episode of Preserving Your Retirement, Ryan Cowley breaks down what your first retirement paycheck of 2026 should actually look like. From withdrawal sequencing and tax efficiency to Medicare surprises and income planning, Ryan and Susan explain why retirement income shouldn’t feel like random ATM withdrawals—and how a professionally managed portfolio can be designed to function like a reliable paycheck.If you’re retired or nearing retirement and want more confidence, fewer tax surprises, and a clearer plan for turning savings into sustainable income, this episode will help you rethink how retirement paychecks really work.

  9. 2026 01 03 The Retirement Reset Button: What Last Year's Markets Taught Us About Your Plan
    2026 01 03 The Retirement Reset Button: What Last Year's Markets Taught Us About Your Plan

    A new year brings fresh motivation—but without a clear plan, the same retirement problems tend to follow. On this episode of Preserving Your Retirement, Ryan Cowley breaks down why good intentions alone don’t create confidence, how last year’s market exposed hidden risks in many portfolios, and what a true “retirement reset” looks like. From managing volatility and income to avoiding emotional investing, Ryan explains how fiduciary guidance and accountability can turn uncertainty into clarity. If you want 2026 to feel different than last year, this episode shows you where to start.

  10. 2025 12 27 New Year New Rules: How to Set Financial Resolutions That Stick
    2025 12 27 New Year New Rules: How to Set Financial Resolutions That Stick

    New year, new goals—but why do financial resolutions fail so fast? On this episode of Preserving Your Retirement, Ryan Cowley breaks down why motivation isn’t enough and how vague goals can quietly derail your retirement. From turning retirement dreams into real numbers to building rules and accountability that actually stick, Ryan and Susan explain how a fiduciary-led plan can bring clarity, confidence, and peace of mind. If you’re tired of guessing and ready for a smarter strategy for the year ahead, this episode is a must-listen.

  11. 2025 12 20 New Year, New Rules: How to Set Financial Resolutions That Stick
    2025 12 20 New Year, New Rules: How to Set Financial Resolutions That Stick

    New year, new goals—but why do financial resolutions fail so fast? In this episode of Preserving Your Retirement, Ryan Cowley breaks down why motivation isn’t enough and how vague goals can quietly derail your retirement. From turning retirement dreams into real numbers to building rules and accountability that actually stick, Ryan and Susan explain how a fiduciary-led plan can bring clarity, confidence, and peace of mind. If you’re tired of guessing and ready for a smarter strategy for the year ahead, this episode is a must-listen.

  12. 2025 12 13 Santa's Naughty List: The Hidden Fees and Friction Costs Stealing From Your Retirement
    2025 12 13 Santa's Naughty List: The Hidden Fees and Friction Costs Stealing From Your Retirement

    This week on Preserving Your Retirement, Ryan and Susan expose the hidden grinches quietly stealing from your nest egg. From fund fees and tax drag to outdated 401(k) choices and inefficient allocations, these sneaky costs can knock tens—or even hundreds—of thousands off your lifetime income. With year-end approaching, it’s the perfect time to clean up your portfolio, uncover the naughty-list fees, and set yourself up for a stronger 2026. Plus, listeners can schedule a complimentary Year-End Retirement Fee Audit by calling 888-542-5211. Tune in and protect your retirement from the grinches you didn’t even know you had.

  13. 2025 12 06 Upgrade Your Retirement Engine: Why a Fiduciary-Managed Portfolio Outperforms DIY Investing
    2025 12 06 Upgrade Your Retirement Engine: Why a Fiduciary-Managed Portfolio Outperforms DIY Investing

    This week on Preserving Your Retirement, we’re giving your financial engine a full holiday tune-up. As we wrap up 2025 and head into an unpredictable 2026, Ryan and Susan break down why DIY investing—once passable in long bull markets—now leaves many retirees exposed to unnecessary risk, tax drag, sequence-of-returns danger, and emotionally driven mistakes.Ryan explains how fiduciary-managed portfolios help retirees navigate today’s shifting markets with real-time risk management, tax-efficient investing strategies, and smarter, coordinated withdrawal plans. We unpack the behavioral advantages, the legal obligation fiduciaries have to put clients first, and the measurable ways professional management can extend a portfolio’s life and protect retirement income.And in our final segment, we walk through the complete Year-End Retirement Tune-Up Checklist—the exact diagnostic process Cowley Financial Group uses to help clients start the new year confident, prepared, and fully optimized.If you’re heading into 2026 with a “set it and forget it” portfolio, this is the episode you don’t want to miss. And if you’re ready for your complimentary fiduciary review, call 888-542-5211.

  14. 2025 11 29 The Retirement Shopping List: What to Do Before Year-End
    2025 11 29 The Retirement Shopping List: What to Do Before Year-End

    The holiday shopping season isn’t the only countdown that matters. In this episode of Preserving Your Retirement, Ryan and Susan break down the year-end financial deadlines that can make or break a secure retirement. From Required Minimum Distributions and Roth conversions to tax-smart charitable strategies and last-minute portfolio moves, this show walks you through the essential Retirement Shopping List you need to tackle before December 31.You’ll hear real-world examples, a few laughs, and a practical checklist to avoid costly mistakes and missed opportunities. If you want to keep more of your money, reduce taxes, and finish the year with a stronger retirement plan, this episode is your guide.Call 888-542-5211 to schedule your complimentary, no-obligation year-end review with Cowley Financial Group.

  15. 2025 11 22 The Family Finance Summit: Talking Money at Thanksgiving
    2025 11 22 The Family Finance Summit: Talking Money at Thanksgiving

    In this week’s episode of Preserving Your Retirement, Ryan and Susan dive into one of the most overlooked—and most emotionally charged—parts of retirement planning: getting your financial life organized so your family isn’t left guessing, scrambling, or arguing down the road. From tangled beneficiary forms to outdated wills to retirement accounts scattered like confetti, Ryan breaks down the real-world problems families face and why waiting “just a little longer” can create big complications later.You’ll hear stories, strategies, and a few laughs along the way as Ryan explains how to bring clarity, simplicity, and confidence to your retirement plan. Susan jumps in with the questions your family is probably already asking, and Ryan lays out what steps actually make a difference.Whether you’re a retiree wanting everything in order, an adult child hoping to avoid family conflict, or a parent trying to make things easier for the next generation, this episode will help you take control of your legacy—without the stress.And if you’re ready to get your own plan cleaned up, aligned, and future-proofed, Ryan shares how you can schedule a complimentary, no-obligation review with Cowley Financial Group.Tune in and take a big step toward protecting both your peace of mind and the people you love.

  16. 2025 11 15 Charitable Giving Strategies That Give Back to YOU
    2025 11 15 Charitable Giving Strategies That Give Back to YOU

    It’s the season of giving—but are you giving the smart way? In this week’s episode of Preserving Your Retirement, Ryan and Susan dive into “Charitable Giving Strategies That Give Back to YOU.”Most people donate to good causes without realizing they might be missing out on big tax advantages and income benefits. Ryan breaks down how to turn your generosity into a win-win using tools like donor-advised funds, Qualified Charitable Distributions (QCDs), and appreciated stock donations. You’ll learn how to give more effectively, keep more of your hard-earned money, and make a bigger impact on the causes you care about most.Before you make that end-of-year donation, tune in and discover how to give smarter—not just bigger. Then call 888-542-5211 to schedule your complimentary, no-obligation charitable giving review with Cowley Financial Group.

  17. 2025 11 08 Veterans of Volatility: Lessons from Market Battles
    2025 11 08 Veterans of Volatility: Lessons from Market Battles

    This Veterans Day weekend, Ryan Cowley and Susan honor the spirit of America’s heroes by exploring what it means to be a Veteran of Volatility in the financial world. Markets can feel like battlefields—chaotic, unpredictable, and full of emotional traps. Ryan shares time-tested strategies to stay disciplined, protect your portfolio, and come out stronger after every downturn.From historic market crashes to everyday retirement fears, you’ll learn how to keep your cool, stick to your plan, and win the long-term investment war. Tune in for practical, battle-hardened advice to preserve your retirement peace of mind.Ready to fortify your retirement strategy? Call 888-542-5211 to schedule your complimentary, no-obligation review with Cowley Financial Group today!

  18. 2025 11 01 Thankful, Grateful… and Broke? Budgeting for Retirement Reality.
    2025 11 01 Thankful, Grateful… and Broke? Budgeting for Retirement Reality.

    Feeling *thankful* this season… but maybe not so thankful for your retirement budget?You’re not alone! Many retirees underestimate their expenses or spend too freely early on — and it can leave them feeling more *broke* than *blessed.*Join Ryan Cowley on *Preserving Your Retirement* for **“Thankful, Grateful… and Broke? Budgeting for Retirement Reality.”** Discover how to build a realistic, flexible budget that keeps you confident, comfortable, and grateful — without running out of money. Call **888-542-5211** for your **complimentary Retirement Budget Review** with Cowley Financial Group. #RetirementPlanning #FinancialFreedom #PreservingYourRetirement #RetirementBudget #FiduciaryAdvisor

  19. 2025 10 25 The Pumpkin Plan: Harvesting Retirement Income for Life
    2025 10 25 The Pumpkin Plan: Harvesting Retirement Income for Life

    This Halloween week, Ryan Cowley gets into the spirit of the season with The Pumpkin Plan: Harvesting Retirement Income for Life! You’ve spent decades growing your retirement “pumpkin patch” — your 401(k)s, IRAs, and savings. But when it’s finally time to carve those accounts into income, most retirees don’t have a clear plan for how to make their money last.In this episode, Ryan shares how to carve out a steady, sustainable retirement paycheck — one that glows for years without collapsing under market volatility, inflation, or taxes. You’ll learn:Why the “accumulation phase” and the “distribution phase” of retirement require two totally different strategiesHow to avoid the spooky mistakes that cause people to run out of money too soonWays to carve your savings into lifetime income that keeps up with inflationHow to keep your plan from “spoiling” — with annual reviews, tax-efficient withdrawals, and smart adjustments over timeWhether you’re nearing retirement, already retired, or planning ahead, this show will help you protect what you’ve grown — and make sure your retirement keeps shining bright long after the Halloween lights go out.Call 888-542-5211 to schedule your complimentary, no-obligation Retirement Income Review with Cowley Financial Group.Because when it comes to retirement income… the trick is planning it right, so the treat lasts a lifetime.

  20. 2025 10 18 Ghosting Your Retirement Plan? Why Ignoring It Could Cost You
    2025 10 18 Ghosting Your Retirement Plan? Why Ignoring It Could Cost You

    This Halloween season, Ryan Cowley and Susan dive into a truly spooky financial topic — what happens when you ghost your retirement plan. In this episode of Preserving Your Retirement, Ryan explains how too many people set up their 401(k) or IRA years ago and then never look at it again. The result? Outdated investments, forgotten accounts, and financial “ghosts” like inflation, taxes, and longevity quietly haunting your future.Ryan and Susan expose the hidden dangers of ignoring your plan — and share how a simple annual “Retirement Checkup” can bring it back to life. From inflation-proofing your income to slaying the tax monster and outliving your savings, they’ll show you how to turn fear into financial confidence.So grab your flashlight and dust off those old account statements — it’s time to see what’s lurking in your portfolio!Don’t let your retirement rest in peace. Call 888-542-5211 to schedule your complimentary, no-obligation review with Cowley Financial Group.

  21. 2025 10 11 The Retirement Health Checkup: Are Medical Costs About to Derail Your Plan
    2025 10 11 The Retirement Health Checkup: Are Medical Costs About to Derail Your Plan

    You’ve planned for travel, hobbies, and grandkids — but have you planned for healthcare? Most retirees underestimate medical costs by hundreds of thousands of dollars, and Medicare? It’s not “free,” and it’s definitely not simple.In this week’s episode of Preserving Your Retirement, Ryan Cowley and Susan dig into the hidden health costs that could derail your retirement — from rising premiums and prescription prices to long-term care and those sneaky gaps Medicare leaves behind.Ryan breaks down how to:- Budget realistically for healthcare in retirement- Choose the right Medicare and supplemental coverage- Protect your nest egg from long-term care costs- Use HSAs, Roth IRAs, and tax-smart strategies to pay less and keep moreRetirement isn’t just about growing your money — it’s about protecting it from what really drains it. This episode will show you how to build a plan that keeps your retirement healthy, wealthy, and stress-free.Ready for your own “Retirement Health Checkup”? Call 888-542-5211 to schedule your complimentary review with Cowley Financial Group — your independent, fiduciary advisors helping you preserve your retirement.

  22. 2025 10 04 Frightening Financial Mistakes to Avoid in Retirement
    2025 10 04 Frightening Financial Mistakes to Avoid in Retirement

    It’s spooky season — and while ghosts and goblins might give you a good scare, the real horror stories happen inside retirement accounts. In this Halloween special, Ryan Cowley of Cowley Financial Group pulls back the cobwebs on the most frightening financial mistakes retirees make — and shows you how to avoid them before they drain your nest egg faster than you can say “trick or treat.”In this episode, you’ll learn:Why claiming Social Security too early can cost you tens of thousands over your lifetimeHow “portfolio poltergeists” like overexposure to risk or failing to rebalance can silently sabotage your savingsThe hidden tax traps that can push you into higher brackets — and how to outsmart themHow poor estate planning can leave behind a nightmare for your loved ones (and how to fix it)Retirement isn’t a dress rehearsal — there’s no second chance. But with the right strategy, you can chase away the financial monsters and enjoy a future that’s secure, sustainable, and stress-free.Tune in to Preserving Your Retirement — and don’t forget to call 888-542-5211 to schedule your complimentary, no-obligation retirement review with Cowley Financial Group. It’s the easiest way to turn those retirement fears into confidence and clarity.

  23. 2025 09 27 Pumpkin Spice and Portfolio Rebalancing
    2025 09 27 Pumpkin Spice and Portfolio Rebalancing

    Just like your favorite fall latte, your retirement portfolio needs the right balance of ingredients — and over time, that mix can drift out of alignment. That “perfect” allocation you set back in January? It might now be a recipe for disaster. In this episode of Preserving Your Retirement, Ryan Cowley breaks down why portfolios drift, how to bring them back into balance, and what smart investors do before year-end to reduce risk, minimize taxes, and maximize opportunities.We’ll also dive into the must-do items on your fall financial checklist — from tax moves and required minimum distributions to estate planning and rebalancing strategies — so you can enter the new year with confidence and clarity.Tune in, laugh a little, learn a lot, and discover how a simple fall portfolio tune-up can keep your retirement plan strong and steady for years to come.

  24. 2025 09 20 Passing the Torch: Talking Money with Your Adult Kids
    2025 09 20 Passing the Torch: Talking Money with Your Adult Kids

    Talking about money with your adult kids can feel harder than teaching Grandma to use TikTok—but avoiding the conversation leads to confusion, conflict, and chaos. In this week’s episode of Preserving Your Retirement, Ryan and Susan dig into why families dodge these talks, the disasters that follow, and—most importantly—how to do it right.From starting the conversation without awkwardness, to preparing your kids for both the responsibility and the values behind your legacy, this episode will help you pass the torch with confidence. Because your inheritance isn’t just about dollars—it’s about peace, clarity, and the wisdom you want to leave behind.Tune in, laugh a little, and walk away with practical strategies to make sure your family’s future is secure—and harmonious.

  25. 2025 09 13 The Retirement Myth Thats Costing You Thousands
    2025 09 13 The Retirement Myth Thats Costing You Thousands

    Think the 4% rule is bulletproof? Convinced you need exactly $1 million to retire? Or that retirement planning is a “one-and-done” deal? These myths might sound comforting—but in reality, they could be quietly draining thousands of dollars from your future.In this week’s episode of Preserving Your Retirement, Ryan Cowley and Susan dig into the biggest retirement myths that refuse to die. You’ll hear why outdated “rules of thumb” don’t fit today’s reality, how they can sabotage your financial security, and—most importantly—what you can do instead.Discover how personalized planning, dynamic withdrawal strategies, and ongoing adjustments can replace guesswork with confidence. If you’re ready to stop relying on myths and start building a retirement that actually works for you, this episode is a must-listen.Call Cowley Financial Group today at 888-542-5211 to schedule your complimentary, no-obligation retirement review.

  26. 2025 09 06 Labor Day Special: Dont Let Your Money Retire Before You Do
    2025 09 06 Labor Day Special: Dont Let Your Money Retire Before You Do

    It’s Labor Day—a time to honor hard work. But here’s the real question: is your money still working, or has it already clocked out? In this special episode of Preserving Your Retirement, Ryan Cowley tackles one of the biggest mistakes retirees make: letting their money “retire” too early.Discover why today’s longer retirements demand smarter strategies, how to keep your dollars employed well into the future, and the costly mistakes to avoid if you don’t want to outlive your savings. With humor, stories, and straightforward advice, Ryan and Susan break down how to keep your portfolio working as hard as you did during your career.Call 888-542-5211 to schedule your complimentary retirement review and make sure your money isn’t sneaking off to the beach while you still need it on the job.

  27. 2025 08 30 Retirement Planning for the Sandwich Generation
    2025 08 30 Retirement Planning for the Sandwich Generation

    Are you caught between caring for aging parents and supporting adult kids who still need help? Welcome to the Sandwich Generation—where your heart is full, but your wallet is getting squeezed. On this week’s Preserving Your Retirement, Ryan Cowley and Susan break down how supporting everyone else could sabotage your own future.You’ll discover how to:Set healthy financial boundaries without feeling guiltyBuild flexibility into your retirement plan for life’s curveballsProtect yourself financially and emotionally so you don’t burn outDon’t let being “sandwiched” eat away your retirement dreams. Tune in, laugh a little, and learn a lot about how to keep your future secure while still being there for the ones you love.Call 888-542-5211 to schedule your complimentary, no-obligation retirement review today.

  28. 2025 08 16 Hot August Nights Cold Hard Truths About Long Term Care
    2025 08 16 Hot August Nights Cold Hard Truths About Long Term Care

    It’s National Senior Citizens Day… and here’s the reality: long-term care isn’t a “maybe” for many—it’s a “when.” In this episode of Preserving Your Retirement, Ryan Cowley and Susan break down the staggering costs, the emotional toll on families, and why ignoring the issue can devastate your retirement savings. You’ll learn practical strategies—from insurance and hybrid plans to family conversations—that can protect your independence, dignity, and finances. Don’t leave your future to chance. Listen now, then call 888-542-5211 for your complimentary retirement review.

  29. 2025 08 09 Your Retirement Portfolio's Mid-Year Checkup
    2025 08 09 Your Retirement Portfolio's Mid-Year Checkup

    Half the year is gone—do you know how your retirement plan is holding up? In this episode of Preserving Your Retirement, Ryan Cowley and Susan dig into the importance of a mid-year checkup for your retirement portfolio.We’ll expose the risks of ignoring performance, hidden fees, outdated strategies, or big life changes—and why emotional decisions can quietly wreck your financial future. Ryan breaks down exactly what to review, how to adjust, and what smart retirees are doing now to finish the year strong.Don’t drift through the second half of the year. Get intentional. Get empowered. Get your checkup.Ready to take action? Call 888-542-5211 to schedule your complimentary retirement review.

  30. 2025 08 02 Back-to-School for Grown-Ups: What Retirees Need to Keep Learning
    2025 08 02 Back-to-School for Grown-Ups: What Retirees Need to Keep Learning

    Retirement doesn’t mean the learning stops—in fact, staying sharp could be the key to keeping your retirement on track. In this episode of Preserving Your Retirement, Ryan Cowley and Susan dig into why continuing financial education is essential after you leave the workforce.You’ll learn:- How tax laws, RMDs, and Medicare rules keep evolving- Why investing in retirement requires a new playbook- Simple ways to stay informed—without going back to class- Real-life stories of retirees who fell behind... and those who stayed aheadWhether you’re already retired or getting close, this episode will help you understand how to keep learning, keep thriving, and keep control of your financial future.Tune in, take notes—and don’t forget your metaphorical #2 pencil.

  31. 2025 07 26 The Midlife Money Check: Are You Really Ready to Retire?
    2025 07 26 The Midlife Money Check: Are You Really Ready to Retire?

    You’ve got a retirement plan… but has it been tested? In this episode of Preserving Your Retirement, Ryan Cowley and Susan break down why so many people think they’re ready to retire—but haven’t pressure-tested their finances against real-life scenarios like inflation, rising health care costs, or the loss of a spouse.It’s National Refreshment Day, so it’s the perfect time to freshen up your plan with a Midlife Money Check. Ryan walks through how to run a “retirement fire drill” to uncover hidden gaps before they become disasters. With humor, relatable stories, and eye-opening insights, this episode is a must-listen for anyone within 10 years of retirement.Ready to schedule your complimentary Midlife Money Check? Call 888-542-5211 today.

  32. 2025 07 19 The Summer Job You Did Not Know You Still Had: Managing Your Own Retirement Paycheck
    2025 07 19 The Summer Job You Did Not Know You Still Had: Managing Your Own Retirement Paycheck

    Think you're done working? Think again! In this episode of Preserving Your Retirement, Ryan Cowley reveals the surprise "summer job" every retiree still holds: being the boss of your own retirement paycheck.We explore why retirement doesn’t come with a direct deposit, the costly mistakes people make when they wing it, and how to build a structured income plan that pays you—for life. Ryan and Susan break down real-life stories, uncover the risks of taking too much (or too little), and share a step-by-step checklist to help you take control as the CEO of your financial future.If you're nearing retirement or already in it, this is the episode you didn’t know you needed.Schedule your complimentary Retirement Income Strategy Session at 888-542-5211.

  33. 2025 07 12 Hot Market, Cold Feet: Investing When Everything Feels Too High
    2025 07 12 Hot Market, Cold Feet: Investing When Everything Feels Too High

    When the market sizzles, investor nerves can fizzle. In this episode of Preserving Your Retirement, Ryan Cowley breaks down what to do when everything feels “too high” to invest. From the dangers of waiting on the sidelines to the emotional traps of fear and greed, this episode delivers level-headed strategies for staying on track—without getting burned. Perfect for anyone nearing or in retirement who wants confidence in a hot, unpredictable market.

  34. 2025 07 05 Fireworks or Financial Fizzle: Keeping Retirement Exciting . . . Not Explosive
    2025 07 05 Fireworks or Financial Fizzle: Keeping Retirement Exciting . . . Not Explosive

    In this explosive Independence Day weekend special, Ryan Cowley lights up the truth about retirement: it starts with a bang but can fizzle fast without a plan.From the dangers of boredom spending and early financial burnout, to the importance of structure, purpose, and flexibility, Ryan and Susan uncover the biggest reasons why retirement dreams sometimes go up in smoke—and how to keep yours sparkling for decades.Whether you’re already retired or just starting to plan, this episode will help you design a lifestyle that’s fulfilling, sustainable, and fireproof.Highlights include:The “boom-and-bust” cycle of early retirement overspendingWhy retirement without purpose is more dangerous than market volatilityHow to build a spending strategy that aligns with your joyReal-life stories of retirees who reignited their spark—and those who didn’tA powerful call to action: design your best chapter yetListen now and learn how to celebrate freedom without blowing up your future.Call 888-542-5211 to schedule your complimentary Retirement Readiness Review today.

  35. 2025 06 28 Independence Day Special: Financial Freedom vs. Financial Fear
    2025 06 28 Independence Day Special: Financial Freedom vs. Financial Fear

    Fireworks are fun—but true independence? That’s knowing your money will last, no matter what life (or the markets) throw at you.In this 4th of July special, Ryan Cowley unpacks what it really means to be financially free in retirement. From identifying the modern enemies of your money (inflation, volatility, taxes, and more) to building your own "Financial Declaration of Independence," this episode is your step-by-step guide to retiring with confidence.✔️ The real definition of financial independence✔️ The 5 biggest threats to your retirement✔️ A 6-part blueprint to secure your future✔️ 7 practical July to-do’s to strengthen your planDeclare your independence from financial stress—listen now and take the first step toward the peace of mind you deserve.Schedule your complimentary Retirement Readiness Review at 888-542-5211.

  36. 2025 06 21 The Retirement Road Trip: Don’t Run Out of Gas
    2025 06 21 The Retirement Road Trip: Don’t Run Out of Gas

    Retirement isn’t a short drive—it’s a cross-country road trip, and if you don’t plan your fuel stops, you could end up stranded. In this episode, Ryan Cowley maps out how to build a retirement income plan that goes the distance. From inflation and market detours to emergency repairs and long-term goals, Ryan and Susan break it all down with stories, humor, and real-life strategies. Don’t just survive retirement—enjoy the ride.Call 888-542-5211 to schedule your complimentary Retirement Road Trip Readiness Review.

  37. 2025 06 14 Dads Financial Wisdom and What He Might’ve Missed
    2025 06 14 Dads Financial Wisdom and What He Might’ve Missed

    This Father’s Day weekend, we’re tipping our hats to the financial wisdom Dad passed down—like saving early, living within your means, and never paying full price for tires. But what about the lessons he didn’t teach us—like how to withdraw money without triggering tax landmines or how to plan for a 30-year retirement? In this episode, Ryan and Susan explore what’s timeless, what’s outdated, and how to build a modern retirement plan that honors Dad’s values while upgrading the tactics.

  38. 2025 06 07 Summertime and the Livin Aint Easy . . . If You’re Not Prepared
    2025 06 07 Summertime and the Livin Aint Easy . . . If You’re Not Prepared

    Summer may feel carefree—but your retirement budget doesn’t get to take a vacation. In this episode, Ryan and Susan dive into the hidden financial risks of the sunny season: surprise expenses, spontaneous travel, and generous grandparenting that can derail your plan. Learn how to build seasonal flexibility into your retirement income strategy, avoid the summer spending hangover, and still enjoy the life you worked so hard for. Whether you’re planning a beach trip or backyard BBQ, don’t miss these smart, timely tips to keep your retirement on track.

  39. 2025 05 31 Retiring Without Regret
    2025 05 31 Retiring Without Regret

    Retirement is supposed to be the reward—but too many people look back and whisper, “I wish I had…” In this episode of Preserving Your Retirement, Ryan Cowley and Susan unpack the four biggest sources of retirement regret—from poor timing with Social Security to missing out on purpose and meaning after the paychecks stop. Learn how to avoid the most common mistakes and design a retirement filled with confidence, joy, and no second-guessing. If you’re nearing retirement—or already in it—this is one show you don’t want to miss.

  40. 2025 05 24 Memorial Day Estate Planning
    2025 05 24 Memorial Day Estate Planning

    Memorial Day: Honoring the Past, Protecting the FutureToo many families have no estate plan—or one that’s dangerously outdated. In this special episode, Ryan Cowley unpacks the emotional and financial mess that poor planning leaves behind—and how to fix it. From probate nightmares to family feuds, learn how to protect your legacy with smart, intentional moves. Because freedom isn’t the only thing worth preserving.

  41. 2025 05 17 Graduation Season Time to Educate Yourself on Retirement Risks
    2025 05 17 Graduation Season Time to Educate Yourself on Retirement Risks

    Graduation Season: Time to Educate Yourself on Retirement RisksIt’s cap-and-gown season—but while students are graduating, retirees are facing tests they didn’t study for. In this episode, Ryan and Susan break down the biggest retirement risks—like longevity, healthcare costs, and market timing—and how to prepare for them like a straight-A student. No pop quizzes, just practical advice to help you pass Retirement 101 with honors.Call 888-542-5211 to schedule your complimentary review!

  42. 2025 05 10 Mother Knows Best Financial Wisdom from the Women in Our Lives
    2025 05 10 Mother Knows Best Financial Wisdom from the Women in Our Lives

    This Mother’s Day Weekend, we’re honoring the women who shaped our values—and spotlighting the unique financial challenges they face in retirement. From longer lifespans to lower lifetime earnings, women deserve smarter strategies and stronger support. Join Ryan and Susan for stories, laughs, and empowering advice to help you—and the women you love—retire with confidence.

  43. 2025 05 03 The Financial Hangover Recovering from Retirement Mistakes
    2025 05 03 The Financial Hangover Recovering from Retirement Mistakes

    We’ve all made a money misstep—or three. In this episode of Preserving Your Retirement, Ryan and Susan tackle the cringe-worthy retirement mistakes that keep us up at night. From emotional investing to costly regrets, learn how to recover, rebuild, and protect your financial future—with a few laughs (and mismatched shoes) along the way.

  44. 2025 04 26 The Retirement Bucket List: How to Afford Your Dreams
    2025 04 26 The Retirement Bucket List: How to Afford Your Dreams

    You’ve worked hard your whole life—now it’s time to live the dream, not just pay the bills. In this episode of Preserving Your Retirement, Ryan Cowley and Susan dive into how to plan, fund, and actually enjoy your retirement bucket list without guilt or guesswork. From travel and hobbies to spoiling the grandkids, we’ll show you how to make room in your plan for the fun stuff. Because retirement isn’t just about surviving—it’s about thriving.