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In this episode, advisor guest host Ryan Hoover joins the show to walk through the “5 D’s” of retirement planning and how each one plays a role in helping retirees build a plan that can hold up over time.
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Episode 70: The 5 D's of Retirement Planning
July 16, 2026Episode 69: The 4% Rule vs. 8% Rule - What's the Right Withdrawal Rate for You?
July 9, 2026
When it comes to how much you should pull from your retirement accounts each year, Dave Ramsey takes a position that some financial professionals find hard to get behind.
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Episode 68: What Does Smart Risk Actually Look Like At Your Age?
July 2, 2026
The right investment strategy isn't determined by your age alone, it's determined by where you are in life, what you're try-ing to accomplish, and how much uncertainty you're willing to accept along the way.
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Episode 67: She Didn't Plan to Retire at 62. Here's How It Happened.
June 25, 2026
Today we're trying something a little different. Dennis walks 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.
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Episode 66: How to Spend on Travel Without Derailing Your Retirement
June 18, 2026
Today, Dennis talks about how travel fits into a real retirement plan and how to enjoy it without guilt.
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Episode 65: Lessons From Maverick - What Top Gun Teaches Us About Money
June 11, 2026
It's summer and nothing says summer quite like Tom Cruise as Maverick soaring across the sky in Top Gun.
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Episode 64: Winning the Financial Triple Crown: Strategies from Kentucky Derby
June 4, 2026
Step into Triple Crown season as Dennis uses the excitement of the Kentucky Derby to reveal what it really takes to build a winning retirement plan.
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Episode 63: “I Wish I Knew This at 25” — Young Adult Money Mistakes
May 28, 2026
Today, Dennis’ son Parker is joining us and talking through the biggest young money mistakes.
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Episode 62: Delayed Gratification, Bigger Retirement Payoff
May 22, 2026
Delayed gratification is a difficult skill to master, and that’s just as true with financial matters as it is in other areas of your life.
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Episode 61: Expectation vs. Reality - The Truth About Retirement Planning
May 14, 2026
Dennis takes a closer look at the gap between expectation and reality in retirement and reveals how having a well-thought-out plan matters more than ever.
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Episode 60: Are You Making the Most of Your Annual Advisor Meeting?
May 7, 2026
Dennis breaks down what separates a meaningful review from one that just feels like a presentation.
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Episode 59: Volunteering - The Best Investment You Might Make In Retirement
April 30, 2026
Retirement isn’t just about stepping away from work, it’s about stepping into something meaningful with the time and freedom you’ve earned.
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Episode 58: How To Turn “Lucky” Financial Situations Into Real Strategy
April 23, 2026
Today we’re talking about what to do when things go right, whether it’s a windfall, a surprise, or an unexpected financial event. Because good fortune without a plan can unravel faster than you'd expect. Dennis covers five situations that might look like pure luck from the outside but shows you exactly what needs to happen next to protect yourself. The people who make the most of good fortune aren't necessarily the luckiest, they're just the most prepared.
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Episode 57: The Surprisingly Hard Part of Retirement Nobody Warns You About
April 16, 2026
For many retirees, the hardest part isn’t saving, it's learning how to spend the money they’ve worked so hard to accumulate. After decades of saving and living on a paycheck, the shift to spending can feel almost unnatural. In this episode, Dennis talks about why this happens, how it affects people’s retirement plans, and the strategies that can help people feel comfortable spending their retirement savings.
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Episode 56: Can You Build Retirement Savings on a Commission Check?
April 9, 2026
A listener recently made a career move that looks great on paper, but it raised a real concern: can a retirement strategy actually keep up when income becomes unpredictable?
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Episode 55: The Life Insurance Question That Gets Harder Closer to Retirement
April 2, 2026
The closer you get to retirement, the more complicated decisions about life insurance become.
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Episode 54: AI & Retirement - What the Top Google Searches Reveal
March 26, 2026
AI is everywhere and for many people approaching retirement, it’s raising some serious questions. Today, Dennis goes through the top AI-related Google searches from people in their 50s and 60s and sharing his input. The
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Episode 53: The AI Headlines Are Scary. Do Retirees Need To Worry?
March 19, 2026
AI headlines are everywhere right now: “jobs disappearing,” “work becoming optional,” and predictions that artificial intelligence will reshape the entire economy.
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Episode 52: Is a Business Sale Enough to Carry You Through Retirement?
March 12, 2026
If you’re a business owner building toward an exit, this is a conversation you want to have before the deal closes.
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Episode 51: Storm-Proofing Your Financial Plan
March 5, 2026
Dennis explores how personality, emotions, and long-term goals shape financial decisions, especially when markets feel uncertain.
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Episode 50: Popular Advice… But Is It Good Advice?
February 26, 2026
Dennis weighs in on several well-known financial personalities and their bold claims. Because good advice isn’t about popularity, it’s about whether it actually fits your life.
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Episode 49: Winter Blues & Your Financial Decisions
February 25, 2026
Today, Dennis is talking about why the “winter blues” can make financial decisions feel harder, and how to stay steady when emotions are running low.
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Episode 48: 10 Retirement Myths Too Many People Still Believe
February 17, 2026
There’s no shortage of financial advice out there, and unfortunately, not all of it is good.
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Episode 47: The Pros & Cons of the New Trump Accounts
February 5, 2026
A new government-backed savings account for kids is coming, and it’s already raising questions.
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Episode 46: Is the Economy Set Up For A Better 2026?
January 29, 2026
After a year marked by volatility, uncertainty, and more than a few economic curveballs, it’s understandable if optimism doesn’t come easily. But at least one economist is arguing that the outlook for 2026 may be brighter than many people expect.
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Episode 45: What’s Changing in 2026 (And Why It Matters to Your Money)
January 22, 2026
What’s new in 2026 for retirees and pre-retirees? This year brings several updates that could quietly affect your cash flow, taxes, and savings strategy. Dennis walks through what’s worth paying attention to as 2026 begins- because small changes can have noticeable impacts if ignored, and a quick review now can save you stress down the road.
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Episode 44: Should You Take Social Security at 62?
January 15, 2026
Find out why some people claim early, why others wait, and how fear, health, and lifestyle goals often shape the decision more than math alone.
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Episode 43: Can I Retire With ‘Only’ $1M?
January 8, 2026
Today, Dennis shares what really matters when evaluating your retirement readiness.
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Episode 42: 5 Major Events From 2025 That Impacted Retirement Plans
January 2, 2026
A lot happened in 2025: big political swings, stubborn inflation, new tax rules, and even a historic government shutdown. But headlines alone don’t determine your retirement outcomes.
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Episode 41: Make Your 1st Holiday Season in Retirement Merry & Meaningful
January 2, 2026
You’ve heard of Baby’s First Christmas, but what about Retiree’s First Christmas? Your first holiday season after leaving the workforce is a milestone all on its own. The schedule, the spending, the traditions… everything feels a little different. In this episode, Dennis talks about what to expect and how to navigate the differences this year and beyond.
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Episode 40: How to Ask Better Questions About Retirement
December 4, 2025
The smartest retirees all have one thing in common… they know how to ask better questions.
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Episode 39: 5 Financial Advisor Red Flags You Can’t Ignore
November 26, 2025
How do you know when a financial advisor just isn’t the right fit? In this episode, we break down five of the biggest red flags people overlook when choosing or evaluating an advisor. Dennis explains why advisor stability matters, the dangers of “one-size-fits-all” planning, and how a lack of information gathering can derail your financial progress. We also talk through fee transparency- why you should know exactly what you’re paying- and the risks of working with anyone who overpromises results
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Episode 38: How to Plan Together When You Keep Finances Separate
November 20, 2025
Getting married later in life means you’re combining lives but not necessarily combining finances. How do you build a retirement plan together when you’ve both already built your own?
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Episode 37: How to Give with Purpose
November 17, 2025
Giving Tuesday (Dec 2, 2025) and year-end donations are right around the corner. But before you hit that “donate” button, let’s talk about how to give with both your heart and your head, because generosity feels even better when it’s part of a plan. Dennis breaks down the “why, when, how much, and what” of charitable giving and how to make your generosity meaningful, strategic, and tax-efficient.
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Episode 36: Should You Have More Than One Financial Advisor?
November 6, 2025
Is having more than one financial advisor a smart move or a recipe for confusion? Today, Dennis breaks down the motivations behind splitting assets between multiple experts and highlights the common pitfalls of this approach.
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Episode 35: Retirement Health Care Costs Just Jumped Again (2025 Update)
October 30, 2025
Fidelity just released their 2025 Retiree Health Care Cost Estimate, and the number is staggering: $172,500 for a 65-year-old retiring today.
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Episode 34: Where Should Someone Invest $1 Million?
October 23, 2025
What would you do if a client walked in with $1 million in cash to invest?
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Episode 33: Is Now the Time to Invest More in Bonds?
October 16, 2025
After years of being overlooked, bonds are back in the spotlight, and investors want to know if now’s the time to buy. Dennis breaks down how bonds really work, what’s driving today’s yields, and why they might deserve a bigger role in your portfolio. Bonds can provide income, balance, and peace of mind, but they’re not one-size-fits-all. Before you ‘go all in,’ make sure the mix fits your long-term plan.
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Episode 32: College or Retirement? Why Many Parents Are Sacrificing Too Much
October 9, 2025.png)
Today we unpack the tough trade-offs parents face when trying to help their kids through school without sacrificing their own future.
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Episode 31: The 5 Must-Do’s In Year One of Retirement
October 2, 2025
In this episode, Dennis breaks down five must-dos that help new retirees launch with confidence.
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Episode 30: The Truth About Downsizing in Retirement
September 26, 2025
Downsizing may seem like a quick way to cut costs and simplify life, but rising property taxes, insurance rates, and HOA fees can quickly erase any savings. Is downsizing truly the answer, or does it just bring more complications?
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Episode 29: The Hidden Medicare Penalty You Might Be Paying
September 18, 2025
Think Medicare is free once you turn 65? Not quite. Many retirees are shocked to discover IRMAA—the Income-Related Monthly Adjustment Amount—a hidden surcharge that increases your Medicare Part B and Part D premiums if your income crosses certain thresholds. This can quietly shrink your Social Security check by thousands of dollars a year, and most people don’t even realize it until it shows up in their statement.
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Episode 28: You’re Not Ready to Retire If This Is All You’ve Done
September 11, 2025
You’ve spent decades building your investment accounts, monitoring the markets, and contributing to your 401(k). That’s great. But here’s the truth: you’re not ready to retire if that’s all you’ve done.
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Episode 27: If I Won’t Live to 90, Should I Claim Social Security Early?
September 4, 2025
If your parents passed away relatively young, it’s only natural to wonder whether you’ll follow the same path. And from a financial standpoint, does that change how you should approach things like retirement planning and when to draw Social Security benefits? In today’s episode, Dennis answers a listener’s question on this exact topic.
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Episode 26: 5 Signs You’re Wealthier Than You Think
August 29, 2025
In this episode, Dennis analyzes the habits that signal real, lasting wealth and what to do if you are (or aren’t) on the right track.
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Episode 25: Back To School Retirement Planning Quiz
August 22, 2025
The kids may be heading back to class, but it’s not a bad time for adults to hit the books too, especially when it comes to retirement. So, let’s test your knowledge with a quick financial pop quiz and see how ready you really are.
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Episode 24: 7 Retirement Assumptions to Reconsider in 2025
August 14, 2025
Just because something used to be true doesn’t mean it still is today, especially when it comes to retirement planning.
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Episode 23: I Just Retired But What If It Was a Mistake?
August 7, 2025
You’ve worked hard, saved diligently, and finally retired… but now the doubt sets in. Today we’ll tackle a question many retirees secretly ask: “What if I made a mistake by retiring too soon?”
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Episode 22: Planning For Retirement With Separate Finances
July 31, 2025
A listener wrote in with a question that many couples might relate to: “How do we plan for retirement when we don’t share accounts and don’t even know each other’s spending habits?” In this episode, Dennis walks through what it looks like to plan for the future when your finances aren’t fully merged, and how couples can find clarity even when they’re working from two different spreadsheets.
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Episode 21: A Financial Advisor Reacts To Dave Ramsey’s 9-Step Retirement Plan
July 24, 2025
Dave Ramsey is one of the most recognized voices in personal finance. His 9-step retirement plan is simple, direct, and built for mass appeal. But is it really the best path for your retirement?
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Episode 20: The Five People You Should Meet Before Retirement
July 17, 2025
In the book The Five People You Meet in Heaven, each person the main character meets helps him understand his life in a new way. Today, Dennis talks about the five people you should meet before retirement. These are the people who can guide your next chapter and help you retire with clarity, confidence, and purpose. Inspired by the themes of that book, Dennis shares a practical, down-to-earth roadmap for building your “retirement dream team.”
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Episode 19: Should You Gift Money While You’re Alive or Leave A Legacy?
July 10, 2025
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 enjoy the impact?
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Episode 18: Retirement Breaking News: The 4% Rule Gets a Makeover
July 3, 2025
The 4% rule gets talked about like gospel in retirement planning. But let’s be honest, it’s always been more of a rough guess than a golden rule. Now, its original creator is revising it to 4.7%. So, does that mean your retirement paycheck just got a raise, or is this just another headline that oversimplifies a complex decision? In this episode, Dennis dives into what this update really means, and just as importantly, what it doesn’t.
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Episode 17: Target-Date Funds: The Good, Bad & Misunderstood
June 26, 2025
Target-date funds just passed $4 trillion in assets. They’re now the default investment in many 401(k)s, and millions of Americans are using them without really understanding how they work. So, are they a smart choice… or just the easiest one? In this episode, Dennis breaks down the good, the bad, and the misunderstood aspects of target-date funds.
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Episode 16: Key Lessons Parents & Grandparents Should Teach New Graduates
June 19, 2025
Graduation season is an exciting milestone, not just for the grads, but for parents and grandparents who have supported them along the way. Today, Dennis shares practical ways you can help your graduate make smart financial decisions early, along with actions that could have a lasting impact on their future.
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Episode 15: Hiring Your Spouse & Kids: Big Opportunities & Big Mistakes to Avoid
June 12, 2025
In this episode, Dennis breaks down how to use family hiring to reduce taxable income, fund retirement accounts like Roth IRAs and 401(k)s, and even begin succession planning.
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Episode 14: 5 Ways Wishful Thinking Can Damage Your Retirement
June 5, 2025
A little hope is good for the soul, but when it comes to retirement planning, wishful thinking can lead to serious financial mistakes.
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Episode 13: Am I Saving Too Much For Retirement?
May 29, 2025
Could your obsession with saving be costing you the life you actually want to live? We all know that saving for retirement is important, but sometimes we go too far and forget to enjoy the present. In this episode, Dennis answers a viewer’s question about how to find the right balance between planning for the future and living fully right now.
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Episode 12: How Past Market Meltdowns Are Influencing You Right Now
May 22, 2025
The market is down. Big time. And if you’re feeling the pressure, you’re not alone. But how we respond in moments like this often has roots in the crashes we’ve lived through before.
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Episode 11: Talking To Your Spouse About Market Crash Fears
May 15, 2025
In this episode, Dennis shares practical wisdom on navigating money conversations when fear, confusion, or disagreement starts to take over.
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Episode 10: What the Greats Say About Market Crashes
May 8, 2025
When the market is volatile, it's easy to feel like you're the only one who's ever felt this anxious. But the truth is, some of the greatest investors in history have lived through chaos — and they left behind wisdom that still applies today. In this episode, Dennis turns to voices like Warren Buffett, Benjamin Graham, and Jack Bogle to remind us how to think, act, and stay grounded when everything feels uncertain.
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Episode 9: What Should You Do When the Market Drops?
May 1, 2025
The headlines are loud, the markets are messy, and your gut might be telling you to do something—anything—right now. But what should you actually do when your portfolio takes a hit? In this episode, Dennis walks through four key steps to take when markets get volatile, including how to gut-check your plan, reassess your risk, and make smart adjustments without making emotional mistakes.
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Episode 8: Should You Rollover Your 401k?
April 24, 2025
Dennis shares the key decisions and risks that come with moving your old retirement accounts into an IRA.
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Episode 7: Breaking Down Traditional vs Roth
April 17, 2025
In this episode, Dennis breaks down what makes each option unique and why the answer isn’t one-size-fits-all.
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Episode 6: Are You Really Ready To Retire?
April 10, 2025
Have you reached retirement age, but something just doesn’t feel right? Financially, emotionally, or both? You’re not alone. In this episode, Dennis gets real about what it actually means to be ready for retirement. From clients who feel uncertain to those who’ve done all the “right” things but still feel unsure, Dennis shares the truth: being ready to retire is about more than just the numbers.
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Episode 5: The Importance of the Retirement Red Zone
April 3, 2025
In this episode, we explore the ins and outs of the retirement red zone, providing insights and strategies to help you navigate this pivotal period successfully.
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Episode 4: Inside the Faith 401K Planning Process
March 31, 2025
Today we wrap up our four-part introduction to Faith 401K & Money Management by going inside our planning process to give you a better understanding of what clients can expect when working with us.
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Episode 3: Who is the Ideal Faith 401K Client? Retirement Planning with Purpose
March 20, 2025
In this episode—part three of our four-part series about Faith 401K & Money Management —we explore the key traits of an ideal client and the unique financial challenges they face when preparing for retirement. With a focus on personal connection and faith-based financial principles, Dennis shares how his approach goes beyond investing to help clients build a secure and purpose-driven retirement plan.
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Episode 2: Meet Faith 401k Founder Dennis Horr
March 13, 2025
Today is part two of our series introducing you to Faith 401K & Money Management, and this episode is all about founder Dennis Horr. We’ll take you outside of the office and into his time away from work to give you a look into the personal side of life. While he’s known for guiding clients toward financial success, his journey began far from the finance world- on a dairy farm, where early lessons in hard work, perseverance, and money management shaped his approach to life and business.
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Episode 1: The Story Behind Faith 401K and How We Started
March 6, 2025
In the first episode of our four-part series about our business, Dennis Horr, founder of Faith 401K & Money Management shares the story of how the company began. From growing up on a dairy farm to climbing the corporate ladder, Dennis found his true calling in financial planning with a focus on faith and community.
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