Planning Matters Radio

Hosted by Richon Planning

Business

Website RSS feed

Episodes

100

Latest episode

Oct 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

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

August 22, 2026Episode 82216 min

Are Bonds Still the Best Way to Manage Risk?

📊 For decades, bonds have been the go-to investment for managing risk. But is that still true in today's market? 📈 With inflation remaining elevated and interest rates potentially moving higher, many investors are asking whether the traditional 60/40 portfolio is enough. In this interview, Peter Richon with Richon Planning and Erin Kennedy discuss: ✅ Why bonds may not provide the same stability they once did 📉 What 2022 taught investors about diversification 🛡️ How fixed indexed annuities, structured notes, and buffered ETFs may fit into a risk management strategy 🤔 The questions to ask before making changes to your portfolio Every investor's goals and risk tolerance are different, which is why it's important to understand all of your options before making investment decisions. To learn more about how to balance growth, income, and protection in today's market, give Peter a call at 919-300-5886 or visit www.RichonPlanning.com

August 15, 2026Episode 81513 min

⏳ 6 Things To Do if Retirement is 6 Years Away

Six years may sound like plenty of time, but the choices you make today can have a major impact on your retirement lifestyle tomorrow. 🌴💰 In this video, Peter with Richon Planning and Erin Kennedy cover 6 important steps to take before you retire, including: 🏖️ Test-drive your dream retirement destination before you commit. 🏡 Complete home repairs and renovations while you're still earning. 🤝 Start volunteering now to build purpose and community beyond your career. 🏥 Prepare for rising healthcare costs—even with Medicare. 📈 Develop a smart Social Security claiming strategy to help maximize your lifetime benefits. 👨‍💼 Work with a financial advisor to create a personalized retirement income plan. A little planning today can help you retire with greater confidence tomorrow. ✅ If you'd like to start checking these important items off your retirement checklist, give Peter a call at 919-300-5886 or visit www.RichonPlanning.com

August 8, 2026Episode 80814 min

💰 Are you and your spouse accidentally leaving free money on the table?

A new study from the Center for Retirement Research at Boston College found that nearly 1 in 5 married couples aren't coordinating their retirement savings, and it could be costing them about $760 every year. 😳 So how does this happen… even when both spouses are contributing? In this interview, Peter Richon with Richon Planning and Erin Kennedy break down: ✔️ What it really means to coordinate retirement savings as a couple ✔️ How employer matches can slip through the cracks ✔️ Smart strategies when one spouse has better benefits ✔️ The key conversations every couple should be having 📊 Bottom line: Retirement planning isn't just personal... it's a team sport. To ensure you're not leaving money on the table, give Peter a call at 919-300-5886 or visit www.401kdistributions.com

August 1, 2026Episode 80113 min

🔍 Should You Surrender or Replace That Old Annuity?

What worked for your retirement plan years ago… might not be the best fit today. And making the wrong move could cost you. ⚠️ In this interview, Peter Richon with Richon Planning and Erin Kennedy break down: ✔️ The difference between surrendering vs. replacing an annuity ✔️ When it actually makes sense to consider a change ✔️ Common (and costly) mistakes to avoid ✔️ Tips to make the process smooth and efficient ✔️ Where to start if you're feeling unsure 💡 The key? Don't make a move without understanding the full picture. If you'd like to talk through whether surrendering or replacing an annuity makes sense, or if you'd like a second opinion, please give Peter a call at 919-300-5886 or visit www.TopAnnuityIncome.com