My Retirement Clarity with Lee Perkins

Hosted by Lee Perkins

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Episodes

200

Latest episode

Nov 2026

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About the show

Financial and retirement planning with financial planner Lee Perkins, president of JL Perkins Wealth Management in the Macon, Georgia area. Get ready for a good dose of inspiration, simplicity, implementation and, of course, clarity on each and every show. Lee will explore the ways you can successfully prepare for retirement and how to grow and preserve your wealth.

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60 recent

November 4, 2026Episode 19819 min

5 Financial Diseases That Could Hurt Your Retirement (Ep 198)

Could five “financial diseases” be quietly undermining your retirement plans? With Lee out this week, Brian Roper and Keith Dykes step into the financial doctor’s office to diagnose a few common trouble spots and the cost of putting off financial planning. Along the way, they offer practical ways to recognize the symptoms and think through a possible prescription before small issues become bigger problems. The question is, do any of these sound familiar, and is it time to take that first step? Here’s what we discuss in today’s show: 🩺 Riskopathy: Match portfolio risk to the plan 👴 Old Fogies: Make retirement money last 🔥 Inflationitis: Protect long-term purchasing power 🧾 Uncle Salmonella: Don’t pay unnecessary taxes ⏳ Someday Syndrome: Stop waiting to start Meet with us: http://talkwithjlp.com 📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com

October 21, 2026Episode 19721 min

What Scares Investors More Than Halloween? (Ep 197)

Retirement can feel exciting, but it can also bring a long list of financial “what ifs” that are hard to ignore. In this episode, Lee looks at some of the biggest fears pre-retirees face and explains why those concerns are easier to manage when they’re addressed before they become a crisis. The goal isn’t to eliminate every unknown, but to build a plan that gives you more clarity around the risks that could affect your future. Retirement gets a lot less frightening when you know what you’re preparing for. Here’s what we discuss in today’s show: 👛 Running Out: Plan for lasting income 📉 Market Risk: Prepare before downturns happen 🏥 Healthcare Costs: Account for rising expenses 🛏️ Long-Term Care: Plan for future support 💔 Loss of Spouse: Organize before it’s urgent 🛡️ Scams & Fraud: Slow down and verify Meet with us: http://talkwithjlp.com 📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com

October 7, 2026Episode 19619 min

Don't Wait Until April: Tax Moves Worth Making This Fall (Ep 196)

The best tax moves often happen before tax season begins. Lee explains why proactive, year-round planning can help you make more intentional decisions and keep your broader financial picture in view. By the time April arrives, many of the opportunities to change the outcome are already gone. Don’t wait until April to think ahead; the time to start is now. Here’s what we discuss in today’s show: ❤️ Charitable Giving: Consider donor-advised fund strategies 💵 Withholding: Avoid unnecessary overpayments or surprises 🏥 HSAs: Build tax-efficient healthcare savings 📅 RMDs: Plan ahead for required distributions 🔄 Roth Conversions: Evaluate multi-year tax opportunities 📉 Tax Losses: Offset gains when appropriate Meet with us: http://talkwithjlp.com 📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com

September 16, 2026Episode 19513 min

Is a Roth Conversion Worth It If You’re Close To Retirement? (Ep 195)

Roth conversions can sound straightforward, but the decision becomes much more complicated once taxes, retirement timing, and your broader financial picture enter the equation. In this episode, Lee explains why there isn’t a universal answer and why the years leading up to retirement can create an important planning opportunity. The real question isn’t simply whether Roth conversions are a good idea, it’s whether they make sense for you, and when. Here’s what we discuss in today’s show: 🔄 Conversion Basics: Moving tax-deferred money into a Roth IRA and paying taxes today 📊 Tax Brackets: Evaluating current income against what taxes may look like later ⏳ Retirement Window: Why the years around retirement can create planning opportunities 🧾 Future Taxes: Considering RMDs, Medicare premiums, and taxes on inherited retirement accounts 📅 Gradual Strategy: Spreading conversions across multiple years instead of doing everything at once Meet with us: http://talkwithjlp.com 📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com

September 2, 2026Episode 19421 min

Why Retiring In 2026 Is Different Than It Used To Be (Ep 194)

Retirement today looks very different from what previous generations experienced, and the old assumptions don’t always hold up anymore. Lee walks through five realities shaping retirement in 2026 and explains why flexibility, purpose, and thoughtful preparation have become increasingly important. If your retirement plan is still built around yesterday’s expectations, it may be time to take another look. Here’s what we discuss in today’s show: ⏳ Living Longer: Why retirement may need to last decades 🎯 Active Retirement: Planning for purpose and experiences 💼 Phased Retirement: Why more people are easing out of work 🕰️ Work Flexibility: Trading career stress for greater freedom ⚖️ Life Balance: Enjoy today while preparing for tomorrow 🏥 Long-Term Care: Planning for a potentially significant expense Want to set up a meeting with us? Visit us here: http://talkwithjp.com Get more financial education at http://myretirementclarity.com

August 19, 2026Episode 19322 min

Mailbag: Inheritance, Debt, College vs. Retirement & Downsizing (Ep 193)

Meet with us: http://talkwithjlp.com 📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com What should you do when extra money, competing priorities, or a major life transition creates a financial decision you weren’t expecting? In this mailbag episode, Lee answers listener questions covering several common situations that can affect families before and during retirement. The right answer often depends on much more than a single account or financial rule. Looking at each decision within the context of the bigger plan can help prevent an easy choice today from becoming a regret later. Here’s what we discuss in today’s show: 🏢 New Office: Lee shares an update on the new office and media room 🎓 Family Inheritance: Extra gifts can support college, retirement savings, or other family goals 💳 Managing Debt: Debt can be useful when the cost and overall strategy make sense 💵 Extra Cash: Bonuses can strengthen savings, investments, and future flexibility 🔄 401(k) Rollovers: Convenience isn’t always the best reason to combine retirement accounts 🎓 College vs. Retirement: Parents should be careful about sacrificing their own retirement 🏠 Downsizing: A smaller house doesn’t automatically mean a cheaper or better retirement option Meet with us: http://talkwithjlp.com 📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com

August 12, 2026Episode 19222 min

Our New Office: A New Chapter for J.L. Perkins Wealth Management (Ep 192)

We have an exciting episode for you today! Lee sits down with Brian Roper to share the vision behind J.L. Perkins Wealth Management’s new space and how it will reshape the client experience. From expanded educational opportunities to creating more ways for clients to connect, the team is building with the future in mind. They also discuss upcoming workshops, thoughtful growth, and why financial planning should ultimately help people make the most of their next phase. Here’s what we discuss in today’s show: 🏢 The vision behind the new office and what the expanded space makes possible 🎓 More opportunities for financial education through the new Summit Center 💰 Helping the next generation build stronger money habits earlier in life 🤝 Creating deeper client connections through education, events, and community 📈 Preparing for intentional growth while maintaining a comprehensive approach to planning Meet with us: http://talkwithjlp.com 📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com

July 8, 2026Episode 19116 min

Gratitude: The Secret to a Better Retirement (Ep 191)

This week's episode is a little different. Rather than discussing investments or retirement strategies, Lee takes a moment to reflect on gratitude, opportunity, and the perspective that shapes the way we experience life. Recording from his new office for the first time, he shares what the building truly represents: another opportunity to serve others and continue building something meaningful. Lee also explores how gratitude can transform the way we view our circumstances and what makes America so unique despite its imperfections. As Independence Day approaches, this conversation serves as a reminder to appreciate the freedoms we enjoy, the people who sacrificed to protect them, and the countless opportunities available to each of us. Here’s what we discuss in today’s show: 🏢 New Beginnings: Reflecting on growth and purpose 🙏 Gratitude: Perspective shapes your reality 🌟 Opportunity: The freedom to pursue your dreams 🇺🇸 American Freedom: Appreciating what we often overlook 🎖️ Those Who Serve: Honoring sacrifices for our freedom Meet with us: http://talkwithjlp.com 📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com

June 24, 2026Episode 19020 min

The Danger of Being Well-Informed in the Financial World (Ep 190)

Financial information has never been more accessible, yet many people are more confused than ever about what to do with their money. Lee explores why having access to endless opinions, headlines, podcasts, videos, and AI tools doesn't necessarily lead to better financial decisions. He also explains how retirees can cut through the noise and avoid getting stuck in a cycle of constant research without action. Here’s what we discuss in today’s show: 💡 Information Overload: Knowledge doesn't equal wisdom 📱 Social Advice: Bad information spreads fast 🤖 AI Reality: Helpful tool, imperfect guide 🧠 Bias Bubbles: Algorithms reinforce beliefs 🧊 Analysis Paralysis: Research delaying decisions 🚫 DIY Danger: Don't do it alone 🎯 Stay Focused: Prioritize goals over headlines Meet with us: http://talkwithjlp.com 📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com

June 10, 2026Episode 18916 min

Beach, Budgets, and Balance: What Vacation Planning Really Looks Like in Retirement (Ep 189)

Summer's here. And somewhere between the excitement of planning a big trip and the anxiety of what it costs, a lot of retirees end up doing something that surprises us… they feel guilty about it. They worked hard, they saved, they planned for decades, and then they second-guess a beach vacation. Today, let's talk about how travel fits into a real retirement plan and how to enjoy it without guilt. Here’s what we discuss in today’s show: ✈️ Retirement is the time to enjoy the experiences you've spent decades planning for. 💰 Creating a dedicated travel fund can make spending feel intentional instead of stressful. 🧠 The psychology of spending often becomes more challenging once the paycheck stops. 🌎 Most retirees travel more in the early years of retirement and gradually slow down over time. 👨‍👩‍👧‍👦 Many retirees are choosing experiences and family travel over simply leaving larger inheritances. Meet with us: http://talkwithjlp.com 📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com