Planning Matters Radio

Hosted by Richon Planning

Business

Website RSS feed

Episodes

100

Latest episode

Nov 2026

Language

About the show

An independent financial, investment, and retirement planner. Identifying opportunities and protecting what's important. We help you protect your paycheck through all walks of life and manage assets to help you achieve your retirement goals.

Listen to episodes

60 recent

November 14, 2026Episode 11146 min

Planning Matters Radio | 📈 Social Security Benefits Are Getting a Raise in 2027! 💰

The Social Security Administration announced a 3.6% cost-of-living adjustment (COLA) for 2027, increasing average retirement benefits by about $75 per month starting in January. But what does this mean for your retirement strategy? 🤔 In our latest video, @Peter with @RichonPlanning and @erinkennedy break down what retirees and future beneficiaries need to know, including how the COLA affects your benefits, the new earnings limit, and why when you claim Social Security can make a big difference in your lifetime income. To sit down with Peter to discuss your retirement income goals, including when you should claim Social Security, please call 919-300-5886 or visit www.RichonPlanning.com 💰💰💰 Financial confidence through educated planning💰💰💰 Be SMART with your money with Peter Richon at Richon Planning!!! Website - https://richonplanning.com/ Facebook - https://www.facebook.com/RichonPlanning Linkedin - https://www.linkedin.com/in/peter-richon-1632941b/ Twitter - https://twitter.com/RichOnPlanning Financial and Retirement Planning for clients across North Carolina and beyond Located in Fuquay Varina, NC at 600 Stellata Dr. Don't start next year. Don't start next week. Start your financial planning now with Peter Richon & Richon Planning. We help you understand your investment options. 📕📘📕 Peter Richon's book "Understanding Your Investment Options" 📕📘📕 Available to download for 💸 FREE 💸 right now at www.RichonPlanning.com Financial education helps you make more informed decisions with your money. Go to RichOnPlanning.com to get your free Understanding Your Investment Options now. DISCLAIMER: Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Richon Planning, LLC are independent of each other. Insurance products and services are not offered through BCM but are offered through individually licensed and appointed agents with Richon Planning, LLC. Brookstone Capital Management (BCM) and its Investment Advisor Representatives act as fiduciaries for all of our investment management clients. We have an obligation to act in the best interests of our clients and to disclose any conflicts of interests and all associated fees. Please refer to the BCM firm brochure (Form ADV 2A) for additional information regarding the fiduciary standard.

November 6, 2026Episode 110710 min

🏡 Is a Continuing Care Retirement Community Right for You?

Planning for retirement means thinking beyond where you want to live... it also means planning for how your needs may change over time. In this video, @peter with @richonplanning and @erinkennedy discuss Continuing Care Retirement Communities (CCRCs), which can offer housing and access to different levels of care as you age. But with substantial entrance fees, monthly costs that can rise, and potential impacts on your financial legacy, is a CCRC the right move for you? 🤔 💰 If you'd like to sit down with Peter to discuss what retirees and their families should consider, how to evaluate the costs, and whether a CCRC is right for you, just call 984-300-5886 or visit www.RichonPlanning.com 💰💰💰 Financial confidence through educated planning💰💰💰 Be SMART with your money with Peter Richon at Richon Planning!!! Website - https://richonplanning.com/ Facebook - https://www.facebook.com/RichonPlanning Linkedin - https://www.linkedin.com/in/peter-richon-1632941b/ Twitter - https://twitter.com/RichOnPlanning Financial and Retirement Planning for clients across North Carolina and beyond Located in Fuquay Varina, NC at 600 Stellata Dr. Don't start next year. Don't start next week. Start your financial planning now with Peter Richon & Richon Planning. We help you understand your investment options. 📕📘📕 Peter Richon's book "Understanding Your Investment Options" 📕📘📕 Available to download for 💸 FREE 💸 right now at www.RichonPlanning.com Financial education helps you make more informed decisions with your money. Go to RichOnPlanning.com to get your free Understanding Your Investment Options now. DISCLAIMER: Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Richon Planning, LLC are independent of each other. Insurance products and services are not offered through BCM but are offered through individually licensed and appointed agents with Richon Planning, LLC. Brookstone Capital Management (BCM) and its Investment Advisor Representatives act as fiduciaries for all of our investment management clients. We have an obligation to act in the best interests of our clients and to disclose any conflicts of interests and all associated fees. Please refer to the BCM firm brochure (Form ADV 2A) for additional information regarding the fiduciary standard.

October 31, 2026Episode 103113 min

⛷️ New Retirement Trend: Spend Your Kids' Inheritance! 💸

Have you heard of the "SKI" trend ... Spend Kids' Inheritance? As @peter with @richonplanning and @erinkennedy discuss, more retirees are choosing to spend their money on travel, experiences and making memories while they're healthy enough to enjoy them. 🌎✈️ But how do you balance living your best life today with protecting your financial future and leaving something behind for your loved ones? And could giving money or sharing experiences with your kids and grandkids now be more meaningful than an inheritance later? 👨‍👩‍👧‍👦 If you'd like to talk through the financial trade-offs and how to make the most of your retirement without losing sight of the bigger picture, call Peter at 919-300-5886 or visit www.RichonPlanning.com 💰💰💰 Financial confidence through educated planning💰💰💰 Be SMART with your money with Peter Richon at Richon Planning!!! Website - https://richonplanning.com/ Facebook - https://www.facebook.com/RichonPlanning Linkedin - https://www.linkedin.com/in/peter-richon-1632941b/ Twitter - https://twitter.com/RichOnPlanning Financial and Retirement Planning for clients across North Carolina and beyond Located in Fuquay Varina, NC at 600 Stellata Dr. Don't start next year. Don't start next week. Start your financial planning now with Peter Richon & Richon Planning. We help you understand your investment options. 📕📘📕 Peter Richon's book "Understanding Your Investment Options" 📕📘📕 Available to download for 💸 FREE 💸 right now at www.RichonPlanning.com Financial education helps you make more informed decisions with your money. Go to RichOnPlanning.com to get your free Understanding Your Investment Options now. DISCLAIMER: Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Richon Planning, LLC are independent of each other. Insurance products and services are not offered through BCM but are offered through individually licensed and appointed agents with Richon Planning, LLC. Brookstone Capital Management (BCM) and its Investment Advisor Representatives act as fiduciaries for all of our investment management clients. We have an obligation to act in the best interests of our clients and to disclose any conflicts of interests and all associated fees. Please refer to the BCM firm brochure (Form ADV 2A) for additional information regarding the fiduciary standard.

October 24, 2026Episode 102410 min

💰 How To Make Your Kids Rich

Want to give your kids a financial head start? The account you choose could make a big difference, not just for building wealth, but also when it comes to college financial aid. In this video, @peter with @richonplanning and @erinkennedy break down five ways parents can save and invest for their kids, including: 🎓 529 Plans — including the recent changes known as the "grandparent loophole" 📈 Custodial Roth IRAs — how earned income could turn early contributions into potentially seven figures by retirement 👶 Trump Accounts — who can contribute, the $1,000 government contribution for eligible babies, and what happens at age 18 💵 UTMA/UGMA Accounts — the flexibility they offer and the potential financial-aid trade-off 🏦 Parent-owned brokerage accounts — why they can be a powerful, flexible option for a variety of financial goals And here's one number every parent should know: assets in a child's name can be assessed at up to 20% on the FAFSA, compared with up to 5.64% for parent-owned assets. The right strategy depends on your goals: college, retirement, flexibility, financial aid, or all of the above. To talk through these options and help figure out which strategies could put your kids on a stronger financial footing, call Peter at xxx or visit www.RichonPlanning.com 💰💰💰 Financial confidence through educated planning💰💰💰 Be SMART with your money with Peter Richon at Richon Planning!!! Website - https://richonplanning.com/ Facebook - https://www.facebook.com/RichonPlanning Linkedin - https://www.linkedin.com/in/peter-richon-1632941b/ Twitter - https://twitter.com/RichOnPlanning Financial and Retirement Planning for clients across North Carolina and beyond Located in Fuquay Varina, NC at 600 Stellata Dr. Don't start next year. Don't start next week. Start your financial planning now with Peter Richon & Richon Planning. We help you understand your investment options. 📕📘📕 Peter Richon's book "Understanding Your Investment Options" 📕📘📕 Available to download for 💸 FREE 💸 right now at www.RichonPlanning.com Financial education helps you make more informed decisions with your money. Go to RichOnPlanning.com to get your free Understanding Your Investment Options now. DISCLAIMER: Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Richon Planning, LLC are independent of each other. Insurance products and services are not offered through BCM but are offered through individually licensed and appointed agents with Richon Planning, LLC. Brookstone Capital Management (BCM) and its Investment Advisor Representatives act as fiduciaries for all of our investment management clients. We have an obligation to act in the best interests of our clients and to disclose any conflicts of interests and all associated fees. Please refer to the BCM firm brochure (Form ADV 2A) for additional information regarding the fiduciary standard.

October 17, 2026Episode 101710 min

Planning Matters Radio | 📈 What the Fed's Rate Hike Means for You

The Federal Reserve just raised interest rates by 0.25%, the first rate hike in three years, bringing the target range to 4%. So… what does that actually mean for your money? 💰 In this interview, @peter with @richonPlanning and @erinkennedy break down what higher rates could mean for: 📊 Your investments — how a higher-rate environment changes the landscape compared with a low-rate environment 💳 Variable-rate debt — including what borrowers need to know as rates move higher 💰 Annuities — why higher interest rates can create more attractive opportunities 🏦 Cash and savings — should your "lazy money" be sitting in a CD, a high-yield savings account, or somewhere else? The Fed's decision affects much more than the headlines. It can influence borrowing costs, savings, investments, and retirement income strategies. To learn what higher rates could mean for your financial picture, call Peter at 919-300-5886 or visit www.RichonPlanning.com 💰💰💰 Financial confidence through educated planning💰💰💰 Be SMART with your money with Peter Richon at Richon Planning!!! Website - https://richonplanning.com/ Facebook - https://www.facebook.com/RichonPlanning Linkedin - https://www.linkedin.com/in/peter-richon-1632941b/ Twitter - https://twitter.com/RichOnPlanning Financial and Retirement Planning for clients across North Carolina and beyond Located in Fuquay Varina, NC at 600 Stellata Dr. Don't start next year. Don't start next week. Start your financial planning now with Peter Richon & Richon Planning. We help you understand your investment options. 📕📘📕 Peter Richon's book "Understanding Your Investment Options" 📕📘📕 Available to download for 💸 FREE 💸 right now at www.RichonPlanning.com Financial education helps you make more informed decisions with your money. Go to RichOnPlanning.com to get your free Understanding Your Investment Options now. DISCLAIMER: Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Richon Planning, LLC are independent of each other. Insurance products and services are not offered through BCM but are offered through individually licensed and appointed agents with Richon Planning, LLC. Brookstone Capital Management (BCM) and its Investment Advisor Representatives act as fiduciaries for all of our investment management clients. We have an obligation to act in the best interests of our clients and to disclose any conflicts of interests and all associated fees. Please refer to the BCM firm brochure (Form ADV 2A) for additional information regarding the fiduciary standard.

October 3, 2026Episode 100313 min

Planning Matters Radio | ⚠️ When a Roth conversion DOES NOT Make Sense

According to @Fidelity, Roth IRA conversions jumped 41% in the first quarter of 2026 compared with the same period last year. 📈 But before you convert, as @peter with @richonplanning exlplains to @erinkennedy, there are some important situations to consider. You may want to think twice if: 💵 You can't pay the tax bill with cash 📊 You're still working and in a high tax bracket 🏥 You're approaching Medicare and a conversion could trigger an IRMAA surcharge ❤️ You're charitably minded and a Qualified Charitable Distribution (QCD) may provide a better tax benefit In this interview, Peter breaks down these potential Roth conversion pitfalls—and why the right strategy depends on your income, age, tax bracket and overall retirement plan. Before making a decision, call 919-300-5886 or visit www.RichonPlanning.com 💰💰💰 Financial confidence through educated planning💰💰💰 Be SMART with your money with Peter Richon at Richon Planning!!! Website - https://richonplanning.com/ Facebook - https://www.facebook.com/RichonPlanning Linkedin - https://www.linkedin.com/in/peter-richon-1632941b/ Twitter - https://twitter.com/RichOnPlanning Financial and Retirement Planning for clients across North Carolina and beyond Located in Fuquay Varina, NC at 600 Stellata Dr. Don't start next year. Don't start next week. Start your financial planning now with Peter Richon & Richon Planning. We help you understand your investment options. 📕📘📕 Peter Richon's book "Understanding Your Investment Options" 📕📘📕 Available to download for 💸 FREE 💸 right now at www.RichonPlanning.com Financial education helps you make more informed decisions with your money. Go to RichOnPlanning.com to get your free Understanding Your Investment Options now. DISCLAIMER: Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Richon Planning, LLC are independent of each other. Insurance products and services are not offered through BCM but are offered through individually licensed and appointed agents with Richon Planning, LLC. Brookstone Capital Management (BCM) and its Investment Advisor Representatives act as fiduciaries for all of our investment management clients. We have an obligation to act in the best interests of our clients and to disclose any conflicts of interests and all associated fees. Please refer to the BCM firm brochure (Form ADV 2A) for additional information regarding the fiduciary standard.

September 26, 2026Episode 92615 min

💰🔥 When is the best time to consider a Roth conversion?

Roth conversions are gaining momentum, with @Fidelity reporting a 41% jump in conversions in the first quarter of 2026 compared to the same period last year. 📈 But a Roth conversion isn't right for everyone, and timing can make a big difference. In this interview, @Peter with @richonplanning and @erinkennedy break down four key times when it may be worth considering a Roth conversion: ⏳ You're retired but haven't reached RMD age yet 📈 You expect taxes to be higher in the future 👨‍👩‍👧‍👦 You want to leave your children a tax-free account 📉 The market is down Peter also explains what a Roth conversion actually is, why they're becoming so popular, and the potential tax advantages of converting at the right time. To learn when or if a Roth conversion may fit into your retirement and tax strategy, call 919-300-5886 or visit www.RichonPlanning.com 💰💰💰 Financial confidence through educated planning💰💰💰 Be SMART with your money with Peter Richon at Richon Planning!!! Website - https://richonplanning.com/ Facebook - https://www.facebook.com/RichonPlanning Linkedin - https://www.linkedin.com/in/peter-richon-1632941b/ Twitter - https://twitter.com/RichOnPlanning Financial and Retirement Planning for clients across North Carolina and beyond Located in Fuquay Varina, NC at 600 Stellata Dr. Don't start next year. Don't start next week. Start your financial planning now with Peter Richon & Richon Planning. We help you understand your investment options. 📕📘📕 Peter Richon's book "Understanding Your Investment Options" 📕📘📕 Available to download for 💸 FREE 💸 right now at www.RichonPlanning.com Financial education helps you make more informed decisions with your money. Go to RichOnPlanning.com to get your free Understanding Your Investment Options now. DISCLAIMER: Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Richon Planning, LLC are independent of each other. Insurance products and services are not offered through BCM but are offered through individually licensed and appointed agents with Richon Planning, LLC. Brookstone Capital Management (BCM) and its Investment Advisor Representatives act as fiduciaries for all of our investment management clients. We have an obligation to act in the best interests of our clients and to disclose any conflicts of interests and all associated fees. Please refer to the BCM firm brochure (Form ADV 2A) for additional information regarding the fiduciary standard.

September 19, 2026Episode 91917 min

Planning Matters Radio | 🚨 The 5 Risks of Retiring Early

Leaving the workforce early can give you more time to travel, relax, and enjoy life, but it can also introduce some major financial risks that are easy to overlook. In this interview, @Peter with @richonPlanning and @erinkennedy break down the 5 biggest risks of retiring early, including: 💰 Claiming Social Security too soon 📉 Making your nest egg last longer 🏥 Bridging the healthcare gap before Medicare 📈 Giving up valuable years of saving and investment growth 🧾 Creating a smart tax and income strategy And we have a BONUS risk: 😴 Boredom! Believe it or not, some early retirees eventually find themselves missing the purpose and structure that work provided. The goal isn't simply to retire early—it's to make sure you're financially prepared to stay retired. To walk through and plan for these risks with Peter, before making the leap into early retirement, please call 919-300-5886 or visit www.RichonPlanning.com 💰💰💰 Financial confidence through educated planning💰💰💰 Be SMART with your money with Peter Richon at Richon Planning!!! Website - https://richonplanning.com/ Facebook - https://www.facebook.com/RichonPlanning Linkedin - https://www.linkedin.com/in/peter-richon-1632941b/ Twitter - https://twitter.com/RichOnPlanning Financial and Retirement Planning for clients across North Carolina and beyond Located in Fuquay Varina, NC at 600 Stellata Dr. Don't start next year. Don't start next week. Start your financial planning now with Peter Richon & Richon Planning. We help you understand your investment options. 📕📘📕 Peter Richon's book "Understanding Your Investment Options" 📕📘📕 Available to download for 💸 FREE 💸 right now at www.RichonPlanning.com Financial education helps you make more informed decisions with your money. Go to RichOnPlanning.com to get your free Understanding Your Investment Options now. DISCLAIMER: Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Richon Planning, LLC are independent of each other. Insurance products and services are not offered through BCM but are offered through individually licensed and appointed agents with Richon Planning, LLC. Brookstone Capital Management (BCM) and its Investment Advisor Representatives act as fiduciaries for all of our investment management clients. We have an obligation to act in the best interests of our clients and to disclose any conflicts of interests and all associated fees. Please refer to the BCM firm brochure (Form ADV 2A) for additional information regarding the fiduciary standard.

September 5, 2026Episode 90510 min

💰 Can You Convert an Inherited an IRA to a Roth?

Inheriting a traditional IRA can feel like a financial windfall, but it can also come with complicated tax rules and important decisions. Can you convert an inherited traditional IRA to a Roth IRA? The answer depends on your relationship to the original account owner , and making the wrong move could create an unexpected tax bill. In this interview, @peter with @richonplanning and @erinkennedy break down: What surviving spouses need to know about Roth conversions Why non-spouse beneficiaries face different rules How the SECURE Act's 10-year rule impacts inherited IRAs Key tax considerations before taking withdrawals What beneficiaries should think about before making any changes If you've inherited an IRA, or if you may inherit one in the future, Peter can help you understand all your options. To learn what you need to know before making your next move, please call 919-300-5886 or visit www.RichonPlanning.com

August 29, 2026Episode 82916 min

🚨 7 Retirement Myths… BUSTED! 🚨

When it comes to retirement planning, some of the biggest mistakes aren't caused by market volatility... they're caused by assumptions that sound true, but aren't always. To make sure you're not surprised, Peter with Richon Planning and Erin Kennedy break down these myths : Will Social Security really disappear? Can you skip long-term care planning if you want to stay home? Will Medicaid or Medicare cover all your long-term care costs? Do investment returns stop mattering once you retire ? Should you avoid spending your principal? Will your taxes automatically be lower in retirement ? And do you really need to hit a magic number like $1 million before you can retire ? In this interview, we're separating retirement fact from fiction and breaking down what these myths could mean for your financial plan. To create a retirement plan based on facts, not myths , please call Peter at 919-300-5886 or visit www.RichonPlanning.com