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Financial and retirement planning guidance from Certified Financial Planner John Teixeira and Nick McDevitt of PFG Private Wealth Management in the Tampa Bay, FL area. On this show, you’ll learn about how the financial and retirement world has evolved over the past several decades, how to properly plan for your own future, and some of the important pitfalls to avoid.
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Episode Show Notes
Florida Probate Q&A: Wills, Property, Costs & More with Nicole Bell Cleland
On This Episode
Nicole Bell Cleland of Legacy Protection Lawyers returns to answer some of the most common questions that come up around Florida probate and estate administration. She and John discuss what happens when someone dies without a w...
Navigating Florida Probate with Nicole Bell Cleland
On This Episode
Probate can feel overwhelming, especially when you're trying to understand what happens after a loved one passes away. In this episode, John is joined by Nicole Bell Cleland of Legacy Protection Lawyers to break down the Florid...
What To Sell Before Retirement – YouTube’s Most Watched Retirement Video
On This Episode
Over the past year, one retirement video on YouTube pulled in 3.7 million views. The title: "Sell These 5 Things Before You Retire." We thought it was worth a conversation — not to tear it apart, but to react honestly. Do we ag...
She Didn’t Plan to Retire at 62. Here’s How It Happened.
On This Episode
Today we're trying something a little different. We're going to walk through a real retirement story in chapters — and as each new detail comes in, we're going to react to it the way a financial advisor would. Fran is 62, she f...
What Is The Mega Backdoor Roth?
On This Episode
In this episode, John and Nick explain the Mega Backdoor Roth strategy and how high-income savers may be able to contribute significantly more to Roth accounts through their workplace retirement plans. They break down the rules...
What Is A Backdoor Roth IRA?
On This Episode
This week, we're breaking down the Backdoor Roth IRA: the legal workaround that high earners use to get their money into a Roth and let it grow tax-free forever. We'll walk you through exactly how it works, who it's for, the on...
2026 Money Updates You Can’t Ignore
On This Episode
What’s new in 2026 for retirees & pre-retirees? From Social Security and Medicare to tax breaks and retirement contributions, this year brings several updates that could quietly impact your cash flow, taxes, and savings str...
Common Retirement Myths And Why They’re Dangerous
On This Episode
There’s no shortage of financial advice out there, and unfortunately, not all of it is good. Some of the most damaging retirement mistakes don’t come from reckless behavior, but from ideas that sound reasonable and get repeated...
What Is Net Unrealized Appreciation (NUA)?
On This Episode
This episode takes a deep dive into Net Unrealized Appreciation (NUA), a little-known tax strategy that could significantly reduce taxes on company stock held inside a 401(k). John and Nick explain how NUA works, who it’s best ...
2025 Year In Review: What Actually Mattered for Your Money
On This Episode
A lot happened in 2025… Big political swings, stubborn inflation, new tax rules, and even a historic government shutdown. But what actually matters for your financial life? Today, we’re breaking down the year’s biggest headline...
Big Beautiful Bill Myths Debunked
On This Episode
Big tax law changes always bring big rumors. But before you assume Social Security is now tax-free or that you’re getting a $40K deduction just for breathing, let’s set the record straight on what this new bill didn’t actually ...
What The “Big Beautiful Bill” Means For Your Retirement Plan
On This Episode
Today, John and Nick dive into the Big Beautiful Bill and what its changes mean for retirees and pre-retirees as the year winds down. They break down updates to tax brackets, standard and senior deductions, SALT caps, and Roth ...
The 5 Must-Do’s In Year One of Retirement
On This Episode
Well, you’re retired. Now what? Some people subscribe to the “first year rule” which says that the majority of your best retirement months will all take place in the first year of retirement. So how can you be strategic during ...
IRMAA: The Hidden Medicare Penalty You Might Be Paying
On This Episode
Medicare isn’t always as free as you think. In this episode, we'll explain IRMAA—the income-based surcharge that can raise your premiums and shrink your Social Security check. Learn what triggers it, who’s most at risk, and a f...
Understanding Estate Planning: Trust Mistakes And Issues (Part 4)
On This Episode
We're excited to welcome back estate planning attorney Bill McQueen of Legacy Protection Lawyers! This episode dives into common estate planning mistakes, the nuances of trusts versus wills, and strategies to protect your asset...
Understanding Estate Planning: Trust Types with Bill McQueen (Part 3)
On This Episode
This episode, we welcome estate planning attorney Bill McQueen of Legacy Protection Lawyers to break down the essentials of trusts and why they matter. Bill explains the key differences between wills and trusts, clears up commo...
Understanding Estate Planning: Wills and Probate with Nicole Cleland (Part 2)
On This Episode
This episode, we welcome back estate planning expert Nicole Cleland to discuss important topics such as how property passes after death, the rights of spouses and blended families, challenges minors face when inheriting, and th...
Understanding Estate Planning: The Fundamentals with Nicole Cleland (Part 1)
On This Episode
In this special episode of Retirement Planning Redefined, John and Nick welcome their first-ever guest, Nicole Cleland of Legacy Protection Lawyers, to kick off a new estate planning series. Nicole shares key insights into what...
The 4 Things You Can Control in Retirement
On This Episode
Markets crash. Taxes shift. Congress waffles on Social Security. You can’t control any of that. And stressing over it won’t help. What will? Focusing on the four things that actually move the needle in retirement.
Subs...
Should You Gift Money While You’re Alive or Leave A Legacy?
On This Episode
You’ve worked hard, saved well, and now you’re thinking about giving back—maybe to your kids, your grandkids, or a cause you care about. But should you wait and pass that wealth on later, or give while you’re still around to en...
Talking To Your Spouse About Market Crash Fears
On This Episode
This episode is all about the emotional side of investing during market turmoil, especially the conversations (or arguments) happening at kitchen tables right now.
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