Finishing Well

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Episodes

100

Latest episode

Oct 2026

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About the show

Finishing Well, brought to you by Cardinalguide.com, with Certified Financial Planner, Hans Scheil. On Finishing Well we will examine topics such as social security, Medicare, IRA's, Long Term Care, Life Insurance, Investments, and taxes to assist families in finishing well. We will break down all the complicated information around retirement topics to make it easily understandable for everyone: from people who have been planning retirement for years to those who have just started. Join us in learning how to get started Finishing Well! To get more information or free downloads of chapters from Hans' book "The Complete Cardinal Guide to Planning for and Living in Retirement" visit CardinalGuide.com.

Listen to episodes

60 recent

October 17, 2026Episode 4028 min

How Do Social Security Spouse Benefits Work

In this episode of Finishing Well , Certified Financial Planner Hans Scheil and host Robby Dilmore unpack one of the most misunderstood areas of retirement planning: Social Security spousal benefits . While many people focus only on maximizing their own benefit, Hans explains why the smartest strategy often comes from looking at Social Security as a household decision rather than an individual one. Through practical, real-life examples, you'll discover how spouses, surviving spouses, and even divorced individuals may qualify for benefits they never realized were available. Hans illustrates how proper timing and claiming strategies can significantly increase lifetime income, helping couples create greater financial security while reducing unnecessary taxes and preserving retirement savings. If you're married, widowed, divorced, or approaching retirement, this conversation could help you avoid costly mistakes and better understand how your Social Security decisions affect both you and your family. Don't leave money on the table—learn how thoughtful planning today can make a lasting difference throughout retirement. Visit cardinalguide.com to access free retirement resources, browse our complete library of episodes, and connect with the Finishing Well ministry. Together, we're helping people honor God by finishing well.

October 10, 2026Episode 3928 min

Are You Tax Planning for Retirement?

In retirement, taxes don't just affect your annual return—they influence nearly every financial decision you make. In this episode of Finishing Well , Hans and host Robbie explore why tax planning is one of the most overlooked, yet most important, aspects of a successful retirement strategy. Using a real-life case study, they walk through how taxes impact the "Seven Worries of Retirement," including Social Security, Medicare, long-term care, required minimum distributions (RMDs), Roth conversions, estate planning, and charitable giving. You'll discover how proactive planning today can potentially reduce lifetime taxes, preserve more wealth for your family, and help you avoid costly surprises later in retirement. Whether you're approaching retirement or already enjoying it, this conversation offers practical, biblically grounded financial wisdom to help you make informed decisions and keep more of what you've worked so hard to earn. Visit cardinalguide.com to access free retirement resources, browse our complete library of episodes, and connect with the Finishing Well ministry. Together, we're helping people honor God by finishing well.

October 3, 2026Episode 3828 min

Multi-Year Guaranteed Annuity (MYGA) 2026)

Discover why Multi-Year Guaranteed Annuities (MYGAs) are becoming an increasingly popular option for retirees and conservative investors looking for stability in an uncertain financial landscape. In this episode of Finishing Well , certified financial planner Hans Scheil and host Robby Dilmore explain how MYGAs work, how they compare to traditional bank CDs, and why they may offer an attractive combination of guaranteed interest rates, tax-deferred growth, and financial security when used as part of a well-rounded retirement plan. Hans and the team discuss the importance of choosing highly rated insurance companies, the advantages of creating a MYGA ladder, options for generating monthly income, and how these products can help diversify the fixed-income portion of a retirement portfolio. They also address common concerns about safety, liquidity, penalties, and how MYGAs fit alongside IRAs and other retirement assets. Visit cardinalguide.com to access free retirement resources, browse our complete library of episodes, and connect with the Finishing Well ministry. Together, we're helping people honor God by finishing well.

September 26, 2026Episode 3828 min

IRC Section 530-A: Savings Accounts For Children

In this episode of Finishing Well , certified financial planner Hans Scheil and host Robby Dilmore break down the new IRC Section 530A Savings Accounts for Children , also known as Trump Accounts , and explains how these new accounts could provide a powerful financial head start for the next generation. Hans and Robbie explore who qualifies, how eligible children can receive government-funded contributions, and how some families may also benefit from additional private foundation incentives. You'll learn who can open these accounts, contribution limits, investment guidelines, withdrawal rules, and how these new savings vehicles compare to traditional options like 529 education plans and UGMA/UTMA accounts. Whether you're a parent, grandparent, or simply looking for ways to help build a stronger financial future for your family, this episode offers practical insights into making the most of this unique opportunity. Visit cardinalguide.com to access free retirement resources, browse our complete library of episodes, and connect with the Finishing Well ministry. Together, we're helping people honor God by finishing well.

September 19, 2026Episode 3728 min

What is IRC 7702B Tax Qualified Long-Term Care Insurance?

In this episode of Finishing Well , Hans Scheil and host Robby Dilmore unpack one of the most misunderstood aspects of long-term care planning: tax-qualified long-term care insurance under IRS Code 7702B . While the topic may sound technical, the conversation reveals how these IRS guidelines were actually designed to protect families by ensuring long-term care benefits can be received tax-free when they're needed most. Hans explains the simple but critical qualifications for filing a long-term care claim, walks through the six Activities of Daily Living, and shares practical insights from helping his own mother navigate Alzheimer's care. The discussion also explores the differences between traditional tax-qualified long-term care policies, hybrid policies, and life insurance with chronic illness riders (101G), helping listeners understand which solutions may best fit their family's needs. Visit cardinalguide.com to access free retirement resources, browse our complete library of episodes, and connect with the Finishing Well ministry. Together, we're helping people honor God by finishing well.

September 12, 2026Episode 3628 min

Medicare Supplement Plan G vs Medicare Advantage: What's the Difference?

When it comes to Medicare, one of the biggest decisions you'll make is choosing between Original Medicare with a Plan G Supplement and a Medicare Advantage plan. But what's the real difference—and which option is right for you? In this episode of Finishing Well , Certified Financial Planner Hans Scheil and host Robby Dimore break down the key distinctions between these two popular Medicare paths. As Annual Enrollment approaches, Hans explains how each option works, what costs you can expect, and why the decision is about much more than monthly premiums. From deductibles and out-of-pocket expenses to provider networks, pre-authorizations, and access to specialized care, this conversation equips you with the knowledge you need to make an informed choice. Visit cardinalguide.com to access free retirement resources, browse our complete library of episodes, and connect with the Finishing Well ministry. Together, we're helping people honor God by finishing well.

September 5, 2026Episode 3528 min

Social Security Planning - What Are 7 Items to Know?

When should you claim Social Security? It's one of the biggest financial decisions you'll ever make—and the right answer isn't the same for everyone. In this episode of Finishing Well , certified financial planner Hans Scheil and host Robby Dilmore breaks down the seven essential factors everyone should understand before filing for Social Security. From choosing the best age to claim benefits to understanding spousal benefits, cost-of-living adjustments, taxes, and survivor planning, Hans explains how these key decisions can impact not only your retirement income but your family's financial future as well. Whether you're approaching retirement, already collecting benefits, or helping a loved one navigate the process, this practical conversation offers valuable insights to help you make informed, confident decisions. Discover why timing matters, how a well-thought-out strategy can maximize lifetime benefits, and why Social Security planning should never be treated as a one-size-fits-all decision. Visit cardinalguide.com to access free retirement resources, browse our complete library of episodes, and connect with the Finishing Well ministry. Together, we're helping people honor God by finishing well.

August 29, 2026Episode 3427 min

How Can You Reduce Lifetime Taxes for Your Family?

Most people focus on reducing this year's tax bill—but what if you could create a strategy that reduces taxes over your entire lifetime while leaving more for the people you love? In this episode of Finishing Well , Certified Financial Planner Hans Scheil and host Robby Dilmore explore eight practical, biblically-minded strategies designed to help you become a wiser steward of the resources God has entrusted to you. From Roth conversions and Required Minimum Distributions (RMDs) to charitable giving, Medicare IRMAA planning, and preparing for the "widow's penalty," you'll discover why thoughtful planning today can make a lasting impact on future generations. Whether you're approaching retirement or already enjoying it, this conversation offers valuable insights that could help you minimize unnecessary taxes, maximize your legacy, and provide greater financial confidence for your family. Visit cardinalguide.com to access free retirement resources, browse our complete library of episodes, and connect with the Finishing Well ministry. Together, we're helping people honor God by finishing well.

August 22, 2026Episode 3327 min

What Should a Surviving Spouse Do About Estate Planning?

No one likes to think about losing a spouse—but having a plan is one of the greatest acts of love you can leave behind. In this episode of Finishing Well , Certified Financial Planner Hans Scheil and co-host Robbie Dilmore explore the critical financial and estate planning decisions every married couple should make before it's too late. Drawing inspiration from King David's careful preparation for Solomon, they discuss how thoughtful planning can protect the surviving spouse while creating a lasting legacy for future generations. You'll learn how the loss of a spouse impacts Social Security, Medicare, taxes, IRAs, long-term care, investments, and estate planning—and why proactive strategies like Roth conversions, beneficiary reviews, and life insurance can make all the difference. Whether you're in a first marriage, a blended family, or simply want peace of mind, this conversation offers practical wisdom rooted in biblical principles. Because the best estate plan isn't just about passing on possessions—it's about caring for the people you love most.

August 15, 2026Episode 3228 min

How Can You Create Lifetime Income That Never Runs Out?

One of retirement's biggest fears is simple: What if I outlive my money? On this episode of Finishing Well , Certified Financial Planner Hans Scheil and Robby Dilmore explore practical strategies that can help create a dependable stream of lifetime income while reducing the stress of market uncertainty. Drawing from the biblical account of Elijah being faithfully provided for at the Brook Cherith, Hans and Robbie connect God's provision with wise financial planning. You'll discover how income annuities can fit into a well-balanced retirement plan, how they work alongside Social Security, why they may provide peace of mind for married couples, and why they're just one of many tools—not a one-size-fits-all solution. Whether you're approaching retirement or already living it, this conversation offers valuable insight into creating greater financial confidence while remembering that our ultimate security comes from God's faithful provision. Visit cardinalguide.com to access free retirement resources, browse our complete library of episodes, and connect with the Finishing Well ministry. Together, we're helping people honor God by finishing well.