The Aul Financial Hour

Hosted by Steve Aul

Business Education

Website RSS feed

Episodes

117

Latest episode

Jun 2026

Language

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

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/ . FacebookSee omnystudio.com/listener for privacy information.

June 9, 202613 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/ . FacebookSee 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/ . FacebookSee omnystudio.com/listener for privacy information.

May 27, 202614 min

The Hidden Tax Traps Behind Retirement Income

What looks like a steady retirement income can quickly turn into a tax headache if you don’t understand how it’s structured. This episode breaks down how annuities are taxed, the differences between pre-tax and after-tax income streams, and why asset placement matters. Steve Aul also challenges outdated financial “rules of thumb,” examines the risk of relying too heavily on cash, and explores strategies for replacing your paycheck in retirement. The conversation highlights planning for taxes, income gaps, and major life events like selling a home or business to avoid unexpected financial surprises. 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/ . FacebookSee omnystudio.com/listener for privacy information.

May 20, 202618 min

The Retirement Tax Trap Hiding in Your Income Plan

What happens to your income—and your taxes—when the paycheck stops in retirement? This episode breaks down how annuities are taxed, why account type matters, and how income streams can help close retirement gaps. Steve Aul explains the impact of pre-tax vs. after-tax dollars, challenges outdated financial rules, and highlights risks of relying too heavily on cash. The conversation also explores tax surprises when selling a home or business, plus key strategies for Social Security timing. It’s a practical look at balancing income, taxes, and long-term planning in today’s retirement landscape. 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/ . FacebookSee omnystudio.com/listener for privacy information.

May 12, 202616 min

The Annuity Debate: Tool of the Past or Fit for Today?

Annuities might be the most misunderstood word in retirement planning—and that misunderstanding could be costly. On this episode, Steve Aul breaks down why annuities get such a bad reputation, how today’s versions differ from the past, and where they may—or may not—fit into a retirement strategy. The conversation also covers managing emotions near retirement, protecting income during market volatility, and how interest rates influence pensions, CDs, and guaranteed income decisions. It’s a practical look at tools, trade-offs, and timing as retirement gets closer. 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/ . FacebookSee omnystudio.com/listener for privacy information.

May 5, 202615 min

When Market Fear Shapes Retirement Decisions

When markets swing and inflation lingers, why do even well‑prepared retirees still feel uneasy? On this episode, Steve Aul discusses how emotional reactions can derail retirement decisions during periods of volatility. The conversation explores common missteps driven by fear, how inflation and healthcare costs factor into long‑term planning, and why understanding risk, income needs, and portfolio alignment matters as retirement approaches. Steve also explains the importance of communication within couples, realistic spending expectations, and how tools like rebalancing can help manage risk amid market uncertainty. 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/ . FacebookSee omnystudio.com/listener for privacy information.

April 28, 202617 min

Inflation’s Silent Impact on Retirement Planning

Inflation quietly reshapes retirement long before most people notice the damage. On this episode, Steve Aul breaks down why inflation, taxes, and overlooked planning gaps pose real challenges for retirees. The conversation explores how rising costs erode purchasing power over time, common DIY retirement mistakes, and the disconnect between income, expenses, and long-term lifestyle expectations. Steve also touches on required minimum distributions, tax exposure, healthcare costs, and income strategies retirees are asking about today—highlighting why a coordinated plan matters as retirement landscapes continue to change. 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.

April 21, 202616 min

The Retirement Risk Most Investors Don’t See Coming

What happens if the market drops just as you start pulling income from your portfolio? On this episode, Steve Aul breaks down sequence of returns risk and why investing for retirement looks very different from investing during your working years. Steve explains the importance of portfolio diversification, regular risk reviews, and understanding how taxes, Social Security, Medicare, and annuities fit into retirement planning. The conversation also highlights the role of financial literacy, managing debt, and using the right financial tools at the right time to better navigate long-term retirement decisions. 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/ . FacebookSee omnystudio.com/listener for privacy information.

April 14, 202613 min

Why the Annuity You Hate Might Not Be the One You Need

Annuities aren’t the problem—misunderstanding them is. On this episode, Steve Aul breaks down why annuities feel confusing, what most people get wrong before they buy, and how different products serve very different purposes. The conversation expands into long‑term tax strategy, income planning, and why retirement isn’t just about April 15 or claiming Social Security as soon as you can. If you’ve ever wondered whether you can retire, when to do it, or how to avoid costly financial blind spots, this discussion brings clarity to the bigger picture. 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/ . FacebookSee omnystudio.com/listener for privacy information.