The Tax-free Retirement Podcast (Axios Capital Strategies)

Think of the Retirement Red Zone as the 8 to 10 year window surrounding retirement — about 4 to 5 years before, and 4 to 5 years after.What happens during this period often has a bigger impact on your financial future than the following 20 years. Sequence of returns, withdrawal timing, and tax decisions all matter more than ever. Get the Red Zone right, and retirement can feel a whole lot more...

When it comes to retirement income planning, the traditional Wall Street Advice - which based on a growth approach - often falls short. There are 8 truths or principles that don't work in Wall Street's favor when you retire and need your hard-earned savings to live on. So, Wall Street is not excited to share them. We will. Herein, we tackle the 4% rule, growth vs income approaches, the...

In this episode of Retirement on the Horizon, we dive into 5 high-level social security updates for 2026 and how they impact your social security decisions.Through a case study, we explore how to make your social security potentially tax-free as well as leaving nearly 3X more to heirs while not sacrificing current life style.

Roth conversions aren’t about avoiding taxes — they’re about deciding when, how, and at what rate you’ll pay them. Too many people focus on the micro view: “How much tax will this cost me this year?” A better question is, “How will this decision impact my entire retirement?”Strategic conversions can create decades of tax-free income, reduce or eliminate required minimum distributions, lower...

By now, many have heard of the Silver Tsunami—the wave of baby boomers who currently or will shortly need some form of long-term care. This is a reality to the vast majority of retirees—now or in the future—will face. Unfortunately, most have not planned for it—either overlooking it or not being informed on the best choices for their situation. Make no mistake: long-term care planning is part of...

When creating a retirement strategy, remember the acronym P.L.A.N.Predictability - value predictability over potentialLow-correlation - strive include strategies and asset classes that do not require the market to perform in order for you to succeedAlignment - ensure that each component of you strategy reinforces and compliments the others rather than (unknowingly) creating frictionNet-income -...

Why does 90% of wealth disappear by the 3rd generation? What causes 70% of wealth transfer from one generation to the next to fail? For those that create multi-generational wealth and maintain family harmony, what principles and practices do they adhere to? The answer is a shocking as it is simple. In this episode, we discuss what research and high net-worth advisors all observe amongst the...

The "Retirement Red Zone" describes the critical 4-5 years BEFORE and AFTER you retire. The order of your returns during that critical period are more important than your long-term average, no matter how good your average rates of return might turn out to be. In this episode, we give real world examples that demonstrate how wise management during Retirement Red Zone can be the difference-maker in...

Major updates and impacts are happening in the retirement landscape. Social Security cost of living adjustments, Medicare premium increases, IRMAA surcharge increases, and new taxes. How are you affected, and how you best navigate the landmines? We also explore how create a guaranteed tax-free foundation of income throughout retirement that avoid social security taxation and IRMAA surcharges on...

A confluence of factors must come together to create a resilient portfolio:1. Market risk mitigation2. Income predictability and maximization3. Tax-efficiencyWhen all three come together in harmony, the result is a resilient portfolio that can withstand many of the toughest challenges retirees face. In this episode, we dive in elements to make your portfolio more resilient as well as discuss the...