Episodes
140
Latest episode
Aug 2026
Language
EN-US
Smart Retirement Planning. Straightforward Advice. Welcome to The Fiscal Physical Retirement Podcast , the show built for professionals and pre-retirees who want clarity, confidence, and control over their financial future. Hosted by Aaron Hoisington and retirement planner Ryan Nelson, founder of Alchemy Wealth Management and author of Your Fiscal Physical , this podcast delivers practical advice, expert insights, and real conversations about retirement readiness, tax-efficient investing, and long-term wealth strategies. Whether you're five years from retirement or just starting to get serious about your financial goals, each episode simplifies complex financial topics into clear, actionable steps. No jargon. No fear. Just the guidance you need from a trusted financial advisor serving Nevada and beyond. If you’re looking for a retirement podcast that’s approachable, insightful, and worth your time, this is it. Subscribe now and get your Fiscal Physical. Your retirement health depends on it.
Find "Your Fiscal Physical" the book on Amazon If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com And, as always, Stay the Course!
Original Medicare with a supplement, or Medicare Advantage? Before Open Enrollment opens October 15, Ryan walks through how the pieces fit, what to compare, and how to pick coverage that fits your life. Education, not advice. Find "Your Fiscal Physical" the book on Amazon If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com And, as always, Stay the Course!
Healthcare is one of the biggest and most underestimated retirement costs. Ryan breaks down what a typical couple can expect, what Medicare does and doesn't cover, and how to plan for it without fear. Education, not advice. Find "Your Fiscal Physical" the book on Amazon If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com And, as always, Stay the Course!
Claim at 62 or wait until 70? For married couples the timing can swing six figures over a lifetime. Ryan walks through spousal benefits, survivor benefits, and how couples coordinate. Education, not advice. Find "Your Fiscal Physical" the book on Amazon If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com And, as always, Stay the Course!
The new tax law made today's lower rates permanent, so is a Roth conversion still worth it? Ryan explains how the pre-RMD window works, who benefits, and the tradeoffs to weigh. Education, not personalized tax advice. Find "Your Fiscal Physical" the book on Amazon If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com And, as always, Stay the Course!
How much can you pull from savings each year without running out? Ryan breaks down the 4% rule, what current research says about a safe starting rate, and how to adjust it to your own plan. Education, not advice. Find "Your Fiscal Physical" the book on Amazon If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com And, as always, Stay the Course!
Credit cards are everywhere now, but they are a surprisingly recent invention. In this episode, Ryan traces the history of the credit card, from its early days to the swipe-and-tap world we live in today, and how it quietly reshaped the way Americans spend. He and Aaron cover how cards went from a novelty to a financial staple, what that shift did to saving and borrowing habits, and the upsides and pitfalls of living in a plastic economy. A fun, story-driven look at a tool you use all the time but probably never thought much about. Find "Your Fiscal Physical" the book on Amazon If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com And, as always, Stay the Course!
Would you take $1 million today or $50,000 every year for the rest of your life? In this episode, Ryan uses that thought experiment to unpack one of the most useful ideas in retirement planning: the trade-off between a lump sum and guaranteed lifetime income. He and Aaron talk through how to actually reason about the choice, including how long you might live, what return the lump sum would need to earn, and how much certainty is worth to you. It is the same decision real retirees face with pensions and annuities. This is education, not personal advice, so the right answer depends on your own numbers and goals. Find "Your Fiscal Physical" the book on Amazon If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com And, as always, Stay the Course!
The U.S. national debt is one of the most talked-about and least understood numbers in the country. In this episode, Ryan explains what the national debt actually is, how it differs from a household's debt, and which common worries are overblown versus genuinely worth watching. He and Aaron cut through the political noise and stick to the mechanics: who the country owes, what the debt funds, and why the size of the number alone does not tell the whole story. The goal is a clear, balanced understanding so you can read the headlines with perspective instead of alarm. Find "Your Fiscal Physical" the book on Amazon If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com And, as always, Stay the Course!
The gold standard shaped money for generations, then disappeared. In this episode, Ryan explains what the gold standard actually was, how it tied a country's currency to a fixed amount of gold, and why the United States ultimately moved away from it. He and Aaron walk through the trade-offs in plain language: the discipline gold imposed, the flexibility it took away, and how its end shaped the dollar you carry today. A clear, story-driven history that makes a confusing economic topic click, and helps you make sense of the gold debates that still pop up now and then. Find "Your Fiscal Physical" the book on Amazon If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com And, as always, Stay the Course!
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