Your Money Radio Show

Bruce and Pegg explore what the 2027 Social Security cost-of-living adjustment could mean for retirement planning and how Social Security decisions connect with Medicare costs. They discuss when to claim Social Security, including the tradeoffs between starting benefits early, waiting until full retirement age, or delaying to age 70. They also examine spousal and survivor benefits and why claiming decisions should be considered within a household’s broader retirement income plan. The conversation also covers Medicare Part B premiums and IRMAA, the potential ripple effects of Roth conversions and other taxable income, and considerations around market volatility, portfolio rebalancing, and tax diversification. Listener questions bring additional discussion of traditional and Roth IRAs, I bonds, and Social Security eligibility scenarios. To learn how Wealth Enhancement can help you build a financial plan around your goals, schedule a complimentary consultation at…

The Your Money Radio Show explores how midterm elections may influence the stock market and why political outcomes should not overshadow a long-term financial plan. Bruce Helmer and Peg Webb discuss market volatility, corporate earnings, inflation, interest rates, and the importance of keeping short-term funds accessible while positioning long-term investments for growth. They also explain how market downturns may factor into Roth conversion analysis and investment management decisions. The episode also answers listener questions about money market accounts versus CDs, required minimum distributions, establishing residency in Florida, emergency funds, and retirement planning for a stay-at-home spouse. Bruce and Peg address IRA and Roth IRA contributions, the Roth five-year rule, and how retirement income needs and wealth transfer goals can shape asset allocation later in life. To learn how Wealth Enhancement can help you build a financial plan around your goals, schedule a complimentary consultation at…

October is Cybersecurity Awareness Month, and this episode of the Your Money Radio Show focuses on how families can protect their financial lives from increasingly sophisticated cyber threats. Peg Webb and guest Mike Webb discuss how artificial intelligence is making fraud, impersonation scams, and account-takeover attempts more convincing than ever, and why having a financial verification process in place is often more effective than trying to spot a fake message or phone call. Listeners will learn practical cybersecurity and risk management strategies, including creating family verification protocols for emergency money requests, protecting critical accounts with strong passwords and multi-factor authentication, recognizing investment and impersonation scams, and safeguarding older parents and adult children from fraud. The conversation also explores how cybersecurity intersects with financial planning, estate planning, trusted contacts, and wealth protection, along with the important steps to take if…

The Your Money Radio Show explores year-end tax and estate planning opportunities and the steps individuals may want to consider before 2026 comes to a close. Host Susie Jones is joined by Bruce Helmer, founder of Wealth Enhancement, and Peg Webb, Senior Vice President and Financial Advisor, for a discussion on tax-efficient financial planning strategies, charitable giving, capital gains and losses, tax-loss harvesting, Roth conversions, and current tax deduction considerations. They also revisit listener questions from a previous episode, including mutual fund distributions and pension beneficiary options. Listeners will learn how qualified charitable distributions, donor-advised funds, and gifting appreciated assets may fit into charitable giving plans, along with the potential role of Roth conversions in retirement planning and long-term tax management. Bruce and Peg also answer audience questions about traditional and Roth IRAs, SIMPLE IRAs, municipal bonds, treasury investments, mutual fund distribution…

The Your Money Radio Show takes listener questions on retirement planning, taxes, insurance, and investment management. Bruce Helmer and Peg Webb explain inherited IRA distribution rules, including the SECURE Act’s 10-year rule, and clarify why required minimum distributions cannot be converted directly to a Roth IRA. They also discuss concerns about delaying Social Security benefits, survivor benefits, and the importance of considering taxes and Medicare premiums when planning Roth conversions. The episode also explores umbrella insurance and personal liability protection, pension survivor options, mortgage interest deductions, and the financial and lifestyle factors involved in establishing residency in another state. Bruce and Peg close with a discussion of mutual fund distributions, individual securities, and diversification within a comprehensive wealth management strategy. To learn how Wealth Enhancement can help you build a financial plan around your goals, schedule a complimentary consultation at…

The Your Money Radio Show explores how parents and grandparents can help young people build financial literacy and stronger money habits. Bruce Helmer and Peg Webb discuss findings from Wealth Enhancement’s First Dollar Survey, including concerns about impulse purchases, overspending, budgeting, online scams and the value of introducing saving and compound growth at an early age. They also explain how family conversations, core values and positive examples can make financial education more practical and engaging. Listener questions broaden the conversation to inherited IRA rules, investment options for children with earned income, Roth IRA eligibility and how time horizon can influence investment decisions. Bruce and Peg also address what it means for a financial advisor to act as a fiduciary, including the role of regulators and the importance of recommendations that consider each client’s circumstances. To learn how Wealth Enhancement can help you build a financial plan around your goals, schedule a…

On this episode of the Your Money Radio Show, Bruce Helmer, joined by guest host Josh Wheeler, explores 10 smart moves to make before retirement and explains how thoughtful preparation can help retirees feel more confident about their financial future. Listeners will learn why retirement should be viewed as a new beginning rather than a finish line, and how planning ahead can support both lifestyle goals and long-term financial security. Bruce discusses key retirement planning topics including defining retirement goals, maximizing retirement savings, building an adequate emergency fund, preparing an investment portfolio for retirement income and risk management, creating tax-efficient withdrawal strategies, and making informed decisions about Social Security and pensions. He also covers healthcare planning before and after Medicare eligibility, managing debt, reviewing life insurance needs, and the importance of legacy and estate planning. The episode concludes with listener questions about Roth IRA…

The Your Money Radio Show focuses on the role of life insurance in comprehensive financial planning and why it is often an overlooked part of protecting loved ones and building a long-term financial strategy. With Bruce Helmer joined by host Susie Jones, the discussion explores how life insurance can help replace lost income, support surviving family members, fund future goals, and serve as a legacy planning tool. Bruce also begins the program by clarifying a Roth IRA inheritance rule discussed on a previous episode. Throughout the show, Bruce explains the differences between term and permanent life insurance, how cash value life insurance works, and why life insurance may remain valuable even after retirement planning goals have been met. Listeners hear examples of using life insurance for wealth transfer, estate planning, charitable giving goals, and tax-efficient legacy strategies. The episode also answers audience questions about variable universal life insurance, taxation of policy benefits, determining…

This episode of the Your Money Radio Show focuses on retirement planning and the transition from earning a paycheck to creating sustainable retirement income. Bruce Helmer, founder of Wealth Enhancement and financial advisor, explains how individuals can estimate retirement expenses, identify reliable income sources such as Social Security and pensions, and develop a flexible cash flow strategy that can adapt as life circumstances change. He also discusses the importance of diversification, tax-aware withdrawal strategies, and Wealth Enhancement’s “smart money” approach to determining which assets to draw from during retirement. The conversation also explores how retirees can prepare for market volatility by maintaining a mix of short-term and long-term investments, drawing lessons from the 2008 financial crisis and other market downturns. In addition, Bruce answers listener questions about deciding when to retire, the future of Social Security, Minnesota taxes, estate planning, wills versus trusts, probate,…

In this listener-driven episode of the Your Money Radio Show, Bruce Helmer, founder of Wealth Enhancement, answers a wide range of audience questions covering retirement accounts, Roth IRAs, Social Security, and working with a financial advisor. Bruce explains how financial advisors are compensated, the importance of transparency and fiduciary responsibility, and how investors can evaluate whether they are receiving value from an advisory relationship. He also discusses retirement account rollover options, including 401(k)s, PERA plans, and IRAs, along with the factors to consider when deciding whether to consolidate accounts. A major focus of the episode is Roth IRA planning, including the differences between Roth contributions and Roth conversions, how tax brackets and Medicare premiums can affect conversion decisions, and why Roth accounts can play an important role in retirement planning and wealth transfer strategies. Bruce also addresses inherited IRA rules, required minimum distributions, Social…

Bruce Helmer and Peg Webb discuss what to consider when deciding when to claim Social Security, including taxes, spousal benefits, and retirement goals. They also explain what the projected 2032 shortfall could mean for your benefits.

There are many good reasons to use a financial advisor. But you need to be clear-eyed about how to work with them and know how they’re compensated.

This week, Allison Tully, Senior Portfolio Consultant at Wealth Enhancement, joins the show to discuss where the markets may be heading and what that might mean for investors.

Join Bruce to discuss how major life events can preserve or accidentally destroy retirement tax savings and advantages.

Tune in to hear Bruce discuss the different savings account options available for children—including Trump Accounts, 529 plans, custodial IRAs, and UGMA/UTMA accounts—and how parents can choose the right option based on their family's financial goals.

Bruce and Peg share real-life financial planning examples, covering topics like retirement income, taxes, Social Security, and Medicare to show how thoughtful planning can help people make smarter financial decisions.

For many retirees, travel is a top priority. On this week's episode, hosts Bruce Helmer and Peg Webb take on how to create lasting memories and meaningful experiences without adding financial stress.

Hosts Bruce Helmer and Peg Webb open the lines to listener questions.

Buying a home has always been one of the biggest financial decisions people make. But buying a home in 2026 looks very different than it did even just a few years ago.

A wedding is one day. Building a financial life together can last decades. Engaged couples should approach marriage as the beginning of a shared financial partnership.

Hosts Bruce Helmer and Peg Webb open the lines to questions from listeners.

Inflation has dominated headlines lately; Peg Webb discusses affordability pressure.

Hosts Bruce Helmer and Peg Webb discuss the financial sacrifices we make to create personal freedom.

Hosts Bruce Helmer & Peg Webb discuss how college graduation is not only an academic milestone but also a financial reset.

In this week's episode, hosts Bruce Helmer and Peg Webb recognize Mother's Day and discuss the simple and powerful way women can fuse personal values and aspirations with investments.

On this week's show, hosts Bruce Helmer and Peg Webb open the lines to questions from listeners.

On this week's episode, Peg Webb is joined by Allison Tully, Senior Portfolio Consultant at Wealth Enhancement. Allison discusses where the markets may be heading, and what that might mean for investors.

Hosts Bruce Helmer and Peg Webb are joined by Charlie Massimo, Senior Vice President, Financial Advisor, to discuss special needs planning. Special needs planning is not just about finances. It is about creating stability, dignity, and long-term support for a loved one who may depend on others throughout their lifetime.

In this week's episode, hosts Bruce Helmer and Peg Webb discuss financial literacy and financial wellness. Although they are different things, they connect with one another and can help you work to achieve financial success.

On this week's episode, hosts Bruce Helmer and Peg Webb open the lines to questions from listeners.

Many people wait until tax filing season to think about taxes, but by then most planning opportunities are already gone. Hosts Bruce Helmer and Peg Webb are joined by Ryan McKeown, Senior Vice President, Financial Advisor at Wealth Enhancement to discuss some strategies to consider for tax year 2026.

Having common sense, discipline, and a plan are the keys to building wealth over time. In this week's episode, Host Bruce Helmer discusses common sense investing.

On this week's episode, hosts Bruce Helmer and Peg Webb answer questions from listeners.

Estate planning is about thinking ahead: deciding what matters to you, who matters to you, and making sure you communicate your wishes.

Your Money Host, Peg Webb, Senior Vice President, Financial Advisor, answers listener questions.

Hosts Bruce Helmer and Peg Webb break down a recent listener question, “I’m 62. I don’t need Social Security to live on. Should I take the benefits now and invest it for better returns?” They also discuss important differences between Social Security and the stock market.

Hosts Bruce Helmer and Peg Webb discuss what changing one’s livelihood can mean from a financial perspective.

Career growth is one of the key drivers of long-term wealth creation. This week, host Peg Webb talks about ways to build your earning power.

This week, hosts Bruce Helmer and Peg Webb open the show to listener questions.

Bruce Helmer catches up with Doug Huber, Deputy Chief Investment Officer at Wealth Enhancement, to learn about his role at the firm and get his take on where the markets may be heading.

On this week's episode, hosts Bruce Helmer and Peg Webb discuss the importance of children learning about saving and planning for their financial futures, even at a young age, and carrying it through young adulthood.

A Financial Health Check is a repeatable way to assess where you are, reinforce positive habits, and identify areas for improvement over time. It’s about progress, not perfection.

On this week's episode hosts Bruce Helmer and Peg Webb open the show to listener questions.

Hosts Bruce Helmer and Peg Webb cover five reasons why you may want to work with a financial advisor, and what to look for in an advisor relationship.

The key to managing debt isn’t to avoid it entirely, it’s to know the difference between efficient and inefficient (or “unproductive”) borrowing.

Hosts Bruce Helmer and Peg Webb suggest ways to have a serious discussion about the future with family members, and why having common sense, discipline, and a plan are the keys to building multigenerational wealth over time.

Hosts Bruce Helmer and Peg Webb open the show to listener questions.

Hosts Bruce Helmer and Peg Webb are joined by Andrew Thelander, Senior Vice President, Financial Advisor at Wealth Enhancement to discuss charitable giving.

Bruce Helmer and Peg Webb share tips to help keep holiday spending from derailing your finances this holiday season.

Host Peg Webb is joined by guest Mike Webb to discuss using Artificial Intelligence (AI) in everyday financial planning. AI can be a powerful financial tool if used safely and correctly.