HeyJaredThe On-Track Retirement Show
Hosted by Pat Schmidt and Jay Curatti of Lasting Mark Retirement Group, The On-Track Retirement Show delivers weekly insights on tax planning, retirement income, long-term care, and smart investing.
- Indexed episodes, last 90 days
- 10
- Latest publication
- Sep 8, 2026
- Audience
- Checking…
- Earliest in this view
- Jul 7, 2026
Latest episodes
The Three Buckets Every Retirement Plan Needs (opens the original)
Read excerpt
Having enough money for retirement is important—but where you keep that money and how it’s organized can make just as big a difference. In this episode of the On-Track Retirement Show, Pat and Jay break down the three essential “buckets” every retirement plan should consider. Each bucket has a different job, from providing stability today to protecting purchasing power and creating long-term growth for the future. You’ll learn how to think about: ✅ The Cash & Stability Bucket — money designed fo
How Much Cash Should You Really Have in Retirement? (opens the original)
Read excerpt
How much cash should you really keep in retirement? Having too little available could force you to sell investments at the worst possible time. But keeping too much sitting in checking or savings could mean missing opportunities for growth and allowing inflation to slowly eat away at your purchasing power. In this episode of the On-Track Retirement Show, Pat Schmidt and Jay Curatti break down how to think about finding the right balance. They discuss: • How much emergency cash retirees may want
Why Paying Off Your Mortgage Before Retirement Could Be a Mistake (opens the original)
Read excerpt
For many Americans, entering retirement with a paid-off house feels like the ultimate financial milestone. No mortgage payment. No debt. More peace of mind. But what if paying off your mortgage could actually make your retirement less secure? In this episode of the On-Track Retirement Show , Jay and Pat break down the emotional appeal of paying off your home versus the financial reality of doing so. Before writing that final check, there are several important questions to consider. They discuss:
The Sequence of Returns Trap: The Risk Nobody Talks About (opens the original)
Read excerpt
Two retirees. Same savings. Same average returns. Completely different retirement outcomes. Why? Timing. In this episode of the On-Track Retirement Show, Pat Schmidt and Jay Curatti break down the sequence of returns trap—one of the biggest risks retirees can face when they begin taking income from their investments. Using a simple example of two retirees who each begin with $1 million and withdraw $60,000 per year, they demonstrate how experiencing market losses early in retirement can create a
The Retirement Stress Test: 7 Questions Every Family Should Answer (opens the original)
Read excerpt
What would happen to your retirement plan if the market dropped 30%? What if taxes rise, inflation stays elevated, or you or your spouse suddenly need long-term care? A confident retirement isn’t necessarily about reaching a magic savings number. It’s about having a plan that can handle the unexpected. In this episode of the On-Track Retirement Show, Pat Schmidt and Jay Curatti walk through seven important questions every retiree and pre-retiree should be able to answer before stepping into reti
Publishing over time
Last 90 days. Choose a month to open its work.
Recurring subjects
Named in the text we hold. One piece can cover several.
Audience
No verified audience measurement yet.
About this data
Counts cover the work we have indexed. Tone needs enough text and a confident classification. Excerpts and episode notes are not full articles or transcripts.
Identity or attribution wrong? Suggest a correction.