The Aul Financial Hour

Hosted by Steve Aul

Business Education

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Episodes

125

Latest episode

Aug 2026

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About the show

As a baby boomer, retirement planning today is up to you. But you don’t have to go it alone! Steve Aul founded the Aul Financial Group in St. Louis to help people navigate the challenges of retirement. Steve hosts “The Aul Financial Hour” every weekend on KMOX News Radio 104.1 FM, Saturdays at 10am & Sundays at 6am, and on KFTK 97.1FM, Saturdays at 6:00am & 4:00pm. If you’re looking for lessons on 401(k)s, minimizing taxes, asset protection and creating lasting income in retirement….this podcast is for you! Find more at www.yourmoneymattersstl.com . For a list of disclosures, please visit https://aulfinancialgroup.com/

Listen to episodes

60 recent

August 11, 202613 min

Are Retirees the Next Big Market Risk?

Could the biggest retirement risk be hiding in plain sight, even as markets continue to climb? Steve Aul examines how retiring baby boomers, changing investor behavior, and longer life expectancies are reshaping retirement planning. He discusses market volatility, the importance of balancing growth and income, common misconceptions about the 4% withdrawal rule, and why inflation remains a critical factor in retirement. Steve also explores the real costs of relocating for retirement, including housing, insurance, and taxes, and shares practical considerations for retirees evaluating a move to another state. Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here . Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ . Facebook See omnystudio.com/listener for privacy information.

August 4, 202617 min

Warren Buffett Moved Billions to Cash. Should You?

What happens when playing it safe in retirement creates a different kind of risk? Steve Aul explores why moving everything to cash after retirement may not be the best answer, discussing inflation, portfolio growth, protected income strategies, and managing market volatility. He also covers charitable giving opportunities, tax considerations, Social Security timing, healthcare costs in retirement, and the importance of building a personalized retirement plan that balances growth, protection, and income. Whether you're approaching retirement or already there, this episode highlights key financial factors that deserve careful consideration. Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here . Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ . Facebook See omnystudio.com/listener for privacy information.

July 28, 202611 min

Is FOMO Driving Your Investment Decisions?

Are today’s market headlines driving smart decisions or fueling FOMO? Steve Aul breaks down how investors can separate noise from reality, drawing lessons from former Fed Chair Alan Greenspan’s famous “FedSpeak.” The conversation explores higher interest rates, retirement planning, market risk, the 60/40 portfolio, and the dangers of chasing hot investments. Steve also discusses why a personalized retirement strategy matters more than investment returns alone, and how retirees can evaluate risk, protect gains, and determine when retirement is realistically within reach. Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here . Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ . Facebook See omnystudio.com/listener for privacy information.

July 21, 202615 min

The Retirement Income Question Most People Haven’t Answered

What’s the bigger retirement risk: a market downturn or running out of income? Steve Aul breaks down key retirement questions, including how to replace a paycheck after leaving work, strategies for creating reliable income, and why Roth accounts and Roth conversions are gaining attention across generations. He also discusses retirement readiness, the emotional side of leaving the workforce, and the challenges of navigating market uncertainty. The conversation focuses on building a retirement plan that aligns with lifestyle goals, tax considerations, and long-term financial needs. Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here . Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ . Facebook See omnystudio.com/listener for privacy information.

July 7, 202614 min

The Backdoor Roth Mistake That Could Follow You for Life

A simple retirement strategy could trigger unexpected taxes if you miss one critical rule. On this episode, Steve Aul breaks down the realities of backdoor Roth conversions, including the often-overlooked pro rata rule that can create costly tax consequences. He also discusses whether claiming Social Security early and investing the benefits makes sense, how to optimize Social Security decisions for couples, and why longevity, inflation, taxes, market risk, and income planning remain essential pieces of a retirement strategy. Grounded planning, not assumptions, is the theme throughout this conversation. Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here . Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ . Facebook See omnystudio.com/listener for privacy information.

July 2, 202615 min

What Happens When Too Much of Your Wealth Is in One Stock?

Could election-year uncertainty and market volatility tempt investors into costly mistakes? Steve Aul discusses why midterm election cycles often create market turbulence, strategies for protecting gains after strong market performance, and how different annuity options may fit specific retirement income needs. He also explains ways to manage concentrated stock positions, avoid fear-driven investing, and reduce risk when too much wealth is tied to a single company. The conversation focuses on income planning, downside protection, and making thoughtful financial decisions during uncertain markets. Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here . Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ . Facebook See omnystudio.com/listener for privacy information.

June 23, 202613 min

Why Be the Richest Person in the Graveyard?

Are you saving so much for the future that you’re missing your life today? This episode explores the idea behind “Die With Zero,” highlighting how retirees often prioritize leaving money behind over creating meaningful experiences. Steve Aul discusses balancing wealth with memories, the hidden tax traps of retirement withdrawals like phantom income and IRMAA, and how complex tax rules can quietly erode savings. The conversation also covers portfolio strategy, market rotation, and the importance of non-emotional investing. It’s a look at how financial decisions shape both your lifestyle now and what you leave behind. Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here . Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ . Facebook See omnystudio.com/listener for privacy information.

June 16, 202616 min

From Saving to Spending: Navigating the First Years of Retirement

Retirement can feel like a race—but without an income plan, it’s easy to lose your pace. This episode explores how aligning your lifestyle with reliable income streams helps reduce uncertainty in the first years of retirement. Steve Aul discusses covering income gaps, balancing withdrawal strategies, and evaluating tools like annuities based on individual needs. The conversation also highlights common pre-retirement missteps, including overly conservative or aggressive investing, and the shift from saving to spending. Understanding income sources, taxes, and risk plays a central role in building a more structured retirement approach. Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here . Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ . Facebook See omnystudio.com/listener for privacy information.

June 9, 202614 min

Frozen by Uncertainty? What Inaction Could Be Costing You

What is doing nothing really costing you right now? With market uncertainty, rising costs, and election concerns, many investors feel stuck—but inactivity can carry its own risks. Steve Aul breaks down key decisions around income replacement, managing gains, understanding fees, and navigating Roth IRA choices. He also highlights how tax planning, investment costs, and legacy strategies factor into a broader retirement plan. If you’ve been sitting on the sidelines unsure of your next move, this episode explores the trade-offs of waiting versus taking action in today’s environment. Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here . Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ . Facebook See omnystudio.com/listener for privacy information.

June 2, 202610 min

Rethinking 401(k)s and Income in Today’s Retirement Landscape

Is $5,300 a month really enough to fund the retirement lifestyle you want? Steve Aul breaks down why average spending estimates are only a starting point and how real retirement planning hinges on your personal lifestyle, income gaps, and long-term goals. From creating a “personally funded pension” to rethinking the role of 401(k)s, bonds, and traditional strategies, this episode explores practical ways to align income with expenses. The conversation also highlights evolving tax realities, portfolio risks, and how to approach retirement income with more flexibility and awareness. Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here . Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ . Facebook See omnystudio.com/listener for privacy information.