Last Paycheck

Hosted by Archie and Rob Hoxton

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Episodes

150

Latest episode

Jun 2026

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EN-US

About the show

Listen in on conversations with Certified Financial Planners Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

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60 recent

May 13, 2026Episode 14917 min

Enjoy Retirement Without Running Out of Money: Essential Early Spending Tips

Watch on YouTube: https://youtu.be/wouXHzbDYNI CFP professionals Rob Hoxton and Archie Hoxton discuss one of the most important financial challenges retirees face: managing spending in the early years of retirement. They explain why the excitement of newly earned freedom can lead many people to overspend, treating retirement like a finish line instead of the beginning of a long financial journey. Drawing from real client experiences, Rob and Archie break down how excessive spending early in retirement can create lasting pressure on a financial plan and limit future flexibility. The conversation covers the importance of budgeting, maintaining adequate cash reserves, avoiding debt, and staying disciplined during retirement's "honeymoon phase." ☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com 🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/ Visit: http://www.thelastpaycheck.com Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

May 6, 2026Episode 14816 min

Why Couples Must Share Financial Control

Watch on YouTube: https://youtu.be/5uVgNKwTa0g If something happened tomorrow… would your partner know what to do financially? CFP Professionals Archie Hoxton and Rob Hoxton explore why both partners need to be actively involved in managing their finances—and the risks of leaving it all to one person. They discuss the natural split of responsibilities in relationships, the importance of transparency, and simple ways couples can stay aligned. From shared visibility on accounts to tools like financial aggregators and regular "money dates," they outline practical steps to build confidence and avoid confusion if life takes an unexpected turn. If you want a stronger financial partnership and more peace of mind for the future, this episode will help you stay informed, prepared, and protected. ☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com 🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/ Visit: http://www.thelastpaycheck.com Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

April 29, 2026Episode 14716 min

Your First Year of Retirement: What to Expect

Watch on YouTube: https://youtu.be/ESx9i4upPtM What really happens in your first year of retirement? CFP Professionals Rob and Archie Hoxton break down one of the most important—and often overlooked—phases of retirement: the transition from earning to drawing income. They explore the key financial and emotional challenges new retirees face, from building a sustainable income plan to avoiding common mistakes like overspending or poorly timed withdrawals. The conversation covers taxes, investment decisions, and sequence of returns risk, along with how market volatility and unexpected expenses can impact your plan early on. If you're approaching retirement or already in your first year, this episode will help you navigate the transition with more clarity, confidence, and control. ☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com 🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/ Visit: http://www.thelastpaycheck.com Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

April 22, 2026Episode 14618 min

The Small Money Mistakes That Cost You Big

Watch on YouTube: https://youtu.be/Qqd8i2zItBU CFP professional Archie Hoxton and Financial Advisor Jimmy Sutch unpack the small financial habits that can quietly derail long-term progress. They explore how everyday oversights, like disorganized accounts, unused subscriptions, and missed contribution opportunities, can add up over time. The conversation highlights common blind spots, including neglected retirement accounts, underutilized benefits like HSAs, and the importance of maintaining an emergency fund. Archie and Jimmy also discuss why keeping estate plans and beneficiary designations up to date is essential for protecting your financial future. With practical insights and real-world examples, this episode offers a clear look at how small adjustments can lead to stronger financial outcomes. ☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com 🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/ Visit: http://www.thelastpaycheck.com Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

April 15, 2026Episode 14517 min

Building Your Retirement: The Dangers of Not Having a Clear Plan

CFP professionals Rob Hoxton and Archie Hoxton explore the risks of taking an "I'll just figure it out" approach to retirement planning. They break down why a clear, intentional financial plan matters, highlighting real-world examples and common missteps that can arise when planning is put on autopilot. The conversation covers essential topics like setting realistic savings goals, making the most of different account types, and adjusting your investment strategy as retirement draws closer. Rob and Archie also address the emotional hurdles that often prevent people from confronting their financial reality, along with the potential for a "lifestyle cliff" when preparation falls short. With practical insights and actionable guidance, this episode offers a thoughtful look at how to plan ahead and build a more secure retirement. ☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com 🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/ Visit: http://www.thelastpaycheck.com Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

April 8, 2026Episode 14416 min

Life After Work: Designing a Purposeful Retirement

Watch on YouTube: https://youtu.be/GarLCE8HGPI In this second part of their conversation, CFP professionals Rob Hoxton and Archie Hoxton continue their discussion with financial planner, author of The Money and Meaning Journey, and host Jeff Bernier. Building on last week's episode, Jeff dives deeper into the connection between money, purpose, and fulfillment in retirement. Together, they explore what it means to create a meaningful "Act 2," including how to identify your unique abilities, clarify your values, and navigate common challenges like shifting identity and financial uncertainty. Jeff also shares practical tools and exercises from his work to help listeners gain clarity and confidence as they approach retirement. Whether you're nearing this transition or simply thinking ahead, this episode offers thoughtful insights on how to retire—and stay retired—with purpose. Watch part 1: https://youtu.be/Tp3m13nq0dM Jeff's book The Money & Meaning Journey: A Guide to Clarity, Financial Confidence, and Joy - https://www.amazon.com/Money-Meaning-Journey-Financial-Confidence/dp/164225262X ☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com 🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

April 1, 2026Episode 14417 min

Navigating Retirement: Finding Meaning Beyond Finances with Jeff Bernier

Watch on YouTube: https://youtu.be/Tp3m13nq0dM ☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com 🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/ In this episode of the Last Paycheck Podcast, CFP professionals Rob Hoxton and Archie Hoxton sit down with special guest Jeff Bernier, financial planner, author of The Money and Meaning Journey, and host of The Money and Meaning Show. Together, they go beyond the numbers to explore the deeper purpose of financial planning and what it really means to retire well. Jeff shares powerful insights from his personal and professional experience, including the moving story of his father's retirement, and how identity, purpose, and meaning are often closely tied to our careers. Jeff's book The Money & Meaning Journey: A Guide to Clarity, Financial Confidence, and Joy - https://www.amazon.com/Money-Meaning-Journey-Financial-Confidence/dp/164225262X

March 25, 2026Episode 14217 min

Is Early Retirement Realistic? Pros, Cons, and Risks of the FIRE Lifestyle

This episode on YouTube: https://youtu.be/VBQaA8ObwhU ☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com 🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/ Are you chasing FIRE… or is it chasing you? CFP Professionals Rob Hoxton and Archie Hoxton break down the reality behind Financial Independence, Retire Early, what it means, where it came from, and how achievable it really is. They cover the 4% rule, different versions of FIRE like Lean, Fat, Coast, and Barista, and the trade-offs between aggressive saving and actually enjoying life. Along the way, they share honest views on long-term risks such as healthcare and longevity, and on whether early retirement is realistic for most people. If you're thinking about retiring early or want a clearer plan for financial independence, this episode will help you understand what it really takes—and whether it's right for you. Visit: http://www.thelastpaycheck.com Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

March 18, 2026Episode 14115 min

The Real Drivers of Long-Term Investment Success

This episode on YouTube: https://youtu.be/xAsu_xyM3Bk ☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com 🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/ What really matters when it comes to investing? In this episode of the Last Paycheck Podcast, CFP Professionals Archie Hoxton and Rob Hoxton dive deep into what truly matters when it comes to investing, stripping away the noise and hype that often distracts from sound financial decision-making. Drawing from decades of experience and research, they discuss the importance of asset allocation versus stock picking, the role of fees and when it makes sense to pay them, behavioral coaching, and the myth of get-rich-quick schemes. Visit: http://www.thelastpaycheck.com Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

March 9, 2026Episode 14016 min

When World Events Shake Markets, Should You Act?

This episode on YouTube: https://youtu.be/DKs2SrUF2gY ☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com 🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/ Should you change your investment portfolio when a geopolitical crisis hits… or stay the course? CFP Professionals Rob and Archie Hoxton break down how markets have historically responded to major geopolitical events and what that means for your retirement plan. Looking at 13 significant crises since 1973, they explain the typical short-term market reactions, the longer-term outcomes, and why emotional decision-making can be costly for investors. The conversation also covers the importance of diversification, having a clear financial plan, and practical ways to stay disciplined when headlines and volatility create uncertainty. If market turbulence has you wondering whether to make changes to your portfolio, this episode offers perspective and a framework for staying focused on your long-term retirement goals. Have questions? Drop them in the comments! Visit: http://www.thelastpaycheck.com Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.