Wealth Thru Wisdom

What if retirement wasn’t just about generating income, but creating income beyond what you need each month? In this episode, Bryan Gaiser discusses the concept of surplus income in retirement and why it can play...

Could a Roth conversion save you money in retirement, or create a tax bill you didn’t expect? Bryan Gaiser explores the debate between pre-tax and Roth retirement savings and why there’s no universal answer...

Is the popular “rule of thirds” retirement formula too simple for your financial situation? In this episode, Bryan Gaiser explores the idea of dividing retirement assets among guaranteed income, fixed income...

Do annuities deserve their reputation, or are many retirees missing part of the bigger picture? In this episode, Bryan Gaiser discusses why retirement income planning should start with a person’s goals rather than...

What if retirement isn’t about stopping work, but learning how to manage your money in a completely different way? In this episode, Bryan Gaiser discusses the role dividend-paying stocks can play within a...

Are annuities misunderstood, or are they simply being used for the wrong job? On this episode, Bryan Gaiser breaks down common annuity concerns, including insurance company stability, complexity, and how different types...

What if the biggest threat to your retirement isn’t your investments, but the pieces of the puzzle you haven’t considered yet? In this episode, Bryan Gaiser discusses the many factors that can impact...

What would happen to your family if long-term care suddenly became part of your retirement plan? In this episode, Bryan Gaiser shares personal experiences caring for a parent with Alzheimer’s and discusses the...

Could a backdoor Roth strategy create an unexpected tax bill if you're not careful? On this episode, Bryan Gaiser breaks down how backdoor Roth contributions work, common mistakes investors make, and why existing IRA...

Could chasing the next big IPO put your retirement strategy off course? Bryan Gaiser explores the excitement surrounding companies like SpaceX and the growing fascination with high-profile investments. He explains the...

Could withdrawing too much from your portfolio early in retirement put your long-term plans at risk? In this episode, Bryan Gaiser examines the popular 4% withdrawal rule, discusses claims that retirees can safely spend...

What if the most important retirement question isn’t about money at all? Bryan Gaiser explores why defining your “why” may shape every financial decision in retirement. He explains how lifestyle goals...

Retirement planning may seem simple—but are you asking the right questions? In this episode, Bryan Gaiser breaks down the core framework behind retirement decisions: what’s coming in, what’s going out...

Is today’s market acting more like a casino than a long-term investment strategy? In this episode, Bryan Gaiser explores the balance between risk and stability, using a “church vs. casino” analogy to...

What would you do with a sudden financial windfall—and would it change your retirement timeline? In this episode, Bryan Gaiser explores how unexpected money, like an inheritance or winnings, can impact retirement...