HeyJaredPlanning for Retirement with Kevin Lao
After more than 17 years serving retirees, I’ve seen the same pattern: people spend 30–40 years building wealth, but the biggest financial decisions happen right before and after retirement.I’m Kevin Lao, a fiduciary financial advisor specializing in retirement income…
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- Sep 22, 2026
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Latest episodes
140: Jimmy Buffett’s Estate Plan Is Turning Into A Nightmare: Here Are 6 Things We Can Learn From It (opens the original)
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Jimmy Buffett left behind an estimated $275 million fortune, but his estate plan has become the center of a bitter legal battle involving his widow, Jane Buffett, and longtime business manager Richard “Rick” Mozenter. My apologies as I mistakenly referenced Rick as “Charlie” throughout the entire episode! Anyhow, Jane is the lifetime beneficiary of the marital trust, yet she cannot fully control it. She and Mozenter were appointed as co-trustees, and they are now fighting over financial informat
139: Dave Ramsey Was Right, The 8% Withdrawal Rule Works...Sometimes. (opens the original)
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Dave Ramsey has been pretty outspoken against the traditional 4% rule. He's called it 'crap,' and has suggested 8% is completely doable. I backtested every complete rolling 30-year retirement period with start dates from 1970 through 1997. The results actually blew my mind. The average maximum starting withdrawal rate was: • 8.19% from a 60/40 portfolio • 8.65% from an 80/20 portfolio • 8.94% from an all-stock portfolio So, was Dave Ramsey right? On one hand, "yes." An 8% starting withdrawal wor
138: Planning To Retire Before Social Security? How To Build A Plan For 'The Bridge Years' (opens the original)
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Anytime I'm working with a client looking to retire early, there is usually a combination of excitement and nerves. For one, Medicare likely isn't an option for several years down the road. But more importantly, there is no fixed income coming into the picture. Employment/Self-Employment income is gone, no pension, no Social Security yet. And suddenly, the portfolio they've worked decades building up becomes the primary source of income. I call these The Bridge Years. But these “bridge years” ma
137: Retirees: Don't Make These Mistakes With Bonds (opens the original)
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For years, investors have looked at the bond side of their portfolios and wondered: what's the point? Interest rates were near zero, yields were low, and then 2022 reminded investors that bonds can lose money too. But today, the fixed income landscape looks very different. Retirees can potentially earn 4%, 5%, or even more on investments they traditionally consider their “safe money.” So… is fixed income finally back? In this episode, I break down how I'm thinking about bonds and fixed income fo
136: Retiring with $4million all in tax deferred accounts. How much can they spend while also preserving their principal? (Case Study) (opens the original)
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John and Kathy are 59 years old, one month away fromretirement, and have accumulated $4 million in retirement accounts. Their home is paid off, they have strong Social Security benefits coming in the future, and on paper, they appear to be in excellent shape. But having enough money to retire is only the beginning. In this episode, I walk through John and Kathy’sretirement plan and tackle some of the bigger decisions they'll face over the next 30 years: How much can they comfortably spend while
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