Michigan's Retirement Coach Podcast With Mike Douglas

Hosted by Mike Douglas

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Episodes

213

Latest episode

Aug 2026

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About the show

Retire with confidence! Introducing "Michigan's Retirement Coach," podcast- one of Feedspot's " Top Retirement Podcasts You Must Follow !" Join Mike Douglas and his engaging series as he draws upon insights from real clients and their stories to help you make the most of a fulfilling retirement. Mike and the whole team at LifePlan Financial Design can help you navigate the complexities of retirement planning in Michigan. Click for your personalized Retirement Roadmap here ! Follow on Facebook , Instagram , LinkedIn , YouTube and X (formerly known as Twitter) About Mike Douglas, President and Advisor at LifePlan Wealth Design: Mike Douglas specializes in wealth management and retirement planning at LifePlan Financial Design. Previously, he spent many years in the service industry, focusing on account management and business-to-business relationships. His CFP® professional and financial planner certification and MBA round out his unique insight. He combines those experiences with his life, health, and Series 65 securities licenses and training to help families pursue their financial goals. Mike and his wife, Kimberly, live in Howell, Michigan, with their four young children: Gavin, Zachary, Kaleb, and Emmalyn, along with one Shorkie (Shih Tzu/Yorkie), Satchmo. He enjoys doing anything with his family – sports, gardening, cooking, fishing, and more. Mike plays the piano and several other instruments at church and also enjoys golf and running. A former college football and tennis athlete, he completed his first marathon in 2017 at Walt Disney World.

Listen to episodes

60 recent

August 16, 202621 min

Could Your Retirement Zip Code Cost You More Than You Think?

Could where you live in retirement have as much impact as how you invest? From this past weekend’s radio show, Mike Douglas explores how taxes, lifestyle goals, family considerations, and housing costs can influence retirement decisions. He discusses the tradeoffs of relocating or snowbirding, the importance of long-term tax planning, and why retirement planning goes beyond investment returns. The conversation also examines sequence of returns risk and how market downturns early in retirement can affect retirement income strategies and financial decisions over time. Schedule your complimentary appointment today: MichigansRetirementCoach.com   Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

August 11, 20264 min

Can I Afford to Retire? - 3 Simple Tests to Know if You’re Ready to Retire

Can you afford to retire, or are you asking the wrong question? On this episode, Mike Douglas outlines three key tests that can help evaluate retirement readiness. He discusses whether your income can support your desired lifestyle, how well your plan can handle challenges such as inflation, market volatility, healthcare costs, and longevity, and why emotional preparedness is just as important as financial preparedness. Learn why retirement may be less about reaching a specific number and more about creating a plan that aligns with the life you want to live.   Schedule your complimentary appointment today: MichigansRetirementCoach.com   Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

August 9, 202620 min

Is Your Retirement Plan Keeping Up With a Changing World?

What happens when your retirement plan stays the same while everything around you changes? From this past weekend’s radio show, Mike Douglas explains why retirement planning should evolve as markets, tax laws, healthcare needs, and personal goals change over time. He discusses the value of regular plan reviews, adapting income and tax strategies, and preparing for life’s unexpected turns. Mike also examines portfolio concentration risk, diversification, and why many investors may be more exposed to a handful of stocks than they realize. A flexible retirement roadmap can help keep financial decisions aligned with changing priorities. Schedule your complimentary appointment today: MichigansRetirementCoach.com   Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

August 4, 20267 min

Can Selling Your Home Raise Your Medicare Premiums?

Could selling your home unexpectedly increase your Medicare premiums years later? In this episode, Mike Douglas explains how home sale profits can affect Medicare IRMAA surcharges and why the impact may not appear until two years after the transaction. He discusses capital gains exclusions, Social Security withholding considerations, Roth conversions, and other income events that can influence Medicare costs. Learn how major financial decisions may affect retirement income planning and what factors retirees should consider before making a move.   Schedule your complimentary appointment today: MichigansRetirementCoach.com   Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

July 28, 20266 min

The Hidden Costs of Retirement That No One Talks About

What if the biggest threat to your retirement isn’t a market crash, but the expenses you never saw coming? In this episode, Mike Douglas breaks down the hidden costs that can quietly impact a retirement plan. From rising healthcare expenses and housing maintenance to taxes, inflation, and everyday spending that adds up over time, the conversation explores why retirement often costs more than people expect. Learn how surprise expenses can affect long-term plans and why building flexibility into your retirement strategy may be just as important as saving for it.   Schedule your complimentary appointment today: MichigansRetirementCoach.com   Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

July 26, 202632 min

The Hidden Retirement Costs Most Investors Never See

What if hidden fees and surprise taxes are quietly costing you more than market swings ever could? This episode from this past weekend’s radio show explores how overlooked investment fees, annuity costs, and tax traps can impact retirement plans. Mike Douglas shares real-life stories of investors who uncovered costly surprises and explains why understanding distribution, taxes, and income strategies matters as much as growing your savings. The conversation also examines market rallies, avoiding emotional investment decisions, and using your money to support the lifestyle and legacy you want. Schedule your complimentary appointment today: MichigansRetirementCoach.com   Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

July 21, 20267 min

Why Many Retirement Budgets Fail

What if the biggest threat to your retirement isn’t the market—but the assumptions behind your budget? On this episode, Mike Douglas breaks down six common reasons retirement budgets can fall apart, including poor withdrawal strategies, overspending early in retirement, healthcare costs, inflation, longevity risks, and the dangers of a “set it and forget it” mindset. Learn why small planning gaps can compound over time and why retirement planning often requires ongoing adjustments as life changes   Schedule your complimentary appointment today: MichigansRetirementCoach.com   Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

July 19, 202631 min

Could Your Roth Conversion Trigger an Unexpected Tax Bill?

Could a simple tax strategy create unexpected consequences if it's done incorrectly? On this episode from this past weekend’s radio show, Mike Douglas discusses Roth conversions, backdoor Roth strategies, and the often-overlooked IRS rules that can catch retirees by surprise. He explains how tax planning fits into a broader retirement strategy, why today’s tax environment matters, and how long-term care planning can impact families and retirement savings. The conversation highlights the importance of coordinating tax, income, and legacy planning to help avoid costly mistakes and prepare for the future. Schedule your complimentary appointment today: MichigansRetirementCoach.com   Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

July 14, 20266 min

How Much Money Do You Really Need to Retire in 2026?

Do you really need $1.5 million to retire—or is that number missing part of the story? Mike Douglas breaks down the retirement savings figures making headlines in 2026 and compares them to what retirees say they actually live on. He explores the popular "Rule of 25," the role Social Security can play in retirement income, and why factors like lifestyle, location, healthcare costs, and personal goals can significantly impact your retirement number. If you're trying to estimate how much you'll need for retirement, this episode offers a practical framework to get started.   Schedule your complimentary appointment today: MichigansRetirementCoach.com   Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

July 12, 202620 min

Is Your Retirement Portfolio More Concentrated Than You Think?

Is your retirement portfolio truly diversified, or does it just look that way on paper? In this episode from this past weekend’s radio show, Mike Douglas explores the risks of concentrated investments, the growing influence of tech stocks, and why diversification is about more than simply owning multiple funds. He also discusses how changing tax laws can impact retirement planning and why a proactive strategy for income, taxes, risk, and estate planning may help retirees adapt to changing market and legislative environments. Learn why every retirement plan should include a backup plan before it's needed. Schedule your complimentary appointment today: MichigansRetirementCoach.com   Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

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Michigan's Retirement Coach Podcast With Mike Douglas

About the show

Listen to episodes

Could Your Retirement Zip Code Cost You More Than You Think?

Can I Afford to Retire? - 3 Simple Tests to Know if You’re Ready to Retire

Is Your Retirement Plan Keeping Up With a Changing World?

Can Selling Your Home Raise Your Medicare Premiums?

The Hidden Costs of Retirement That No One Talks About

The Hidden Retirement Costs Most Investors Never See

Why Many Retirement Budgets Fail

Could Your Roth Conversion Trigger an Unexpected Tax Bill?

How Much Money Do You Really Need to Retire in 2026?

Is Your Retirement Portfolio More Concentrated Than You Think?

Is this your show?

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