Retire SMART Podcast

David Brooks discusses the growing trend of "gray divorce" and the significant financial challenges divorce can create during retirement. He also shares his thoughts on proposed retirement system changes, why Omaha and Lincoln continue to rank among America's least-stressed cities, and the importance of building a retirement plan that prepares you for both life's opportunities and unexpected changes.

Why don’t we see more athletes who make 7-figure financial deals putting at least 1 million dollars in a retirement account to set them up for success in the future? Being four years away from retirement, is it wiser to focus on paying off debt or piling up money in my account? And is there a good rule of thumb for how much of my IRA should be invested in safe investments at age 60? David Brooks has answers to these questions in today’s Q&A episode.

Today, David Brooks and Director of Wealth Management Josh Cheatle discuss the new "Trump Accounts" (Section 530A accounts), explaining how families can take advantage of government seed money and long-term investing to build wealth for the next generation. They also break down the latest Social Security funding projections, what they could mean for future retirees, and why having a personalized retirement income plan is more important than reacting to political headlines.

David Brooks discusses the latest economic headlines, from global tensions in the Middle East and their impact on inflation and oil prices to the latest jobs report and what it could mean for the U.S. economy. Plus, he explains why investors should pay close attention to diversification as major changes reshape the electronic payments industry and long-held company stocks face increasing disruption.

David examines the growing concentration of semiconductor stocks within the S&P 500 and what it could mean for investors if market leadership begins to shift. He also shares his perspective on minimum wage policy, Nebraska's fiscal health, rising holiday costs, and why homebuyers and real estate investors should be cautious as housing markets begin to normalize after the post-pandemic boom.

Is it true that the government could potentially raid retirement or savings accounts for additional tax revenue? And if so, how do we protect ourselves? Once I start taking RMDs, am I required to withdraw the same amount on the same date every year? And is real estate as an investment really a good plan for supplemental income during retirement? David Brooks has answers to these questions in today’s Q&A episode.

David is joined by estate planning attorney Colin Kastrick for a practical conversation about protecting family wealth and avoiding costly disputes over businesses, farms, real estate, and other legacy assets. They explain why proactive estate planning, clear communication, and the right legal structures can help preserve both your assets and your family's relationships for generations to come.

In this special Independence Day edition, David reflects on the freedoms that make the American dream possible before shifting to the latest economic headlines. He breaks down how geopolitical events, energy prices, global currency markets, and the rapid rise of AI are shaping inflation, investment risk, and what investors should be watching in the months ahead.

Today, David Brooks reveals what the dramatic rise and fall of the SpaceX IPO can teach investors about market hype and long-term investing. He also discusses why there's no universal "magic number" for retirement, explores concerns over congressional stock trading, and explains how thoughtful estate planning can help families preserve both wealth and relationships for generations.

Am I able to schedule the first initial appointment with Retire SMART without first answering so many questions beforehand? What is an “ILIT,” why should I do it, and who benefits from it? And even though David dislikes dishing out more taxes than necessary, why is he in favor of the ROTH IRA, where taxes are due upfront? David Brooks has answers to these questions in today’s Q&A episode.

Geopolitical tensions, inflation, interest rates, and the markets continue to dominate investor conversations. This week, David Brooks is joined by Mike Shudel to discuss how global events—from the Strait of Hormuz to Federal Reserve policy—could impact your portfolio, tax planning strategies, and retirement outlook, while highlighting why proactive financial planning matters more than ever.

David and Chip off this week's episode by reflecting on recent community events, a unique behind-the-scenes look inside a high-security precious metals vault, and the passing of former Federal Reserve Chairman Alan Greenspan. They also examine what record-high stock valuations, slowing corporate stock buybacks, and continued geopolitical uncertainty could mean for investors and why staying disciplined in today's market environment is more important than ever.

We continue our conversation with financial advisor Mark Rowlette, exploring how ongoing education, proven business systems, and holistic financial planning can create lasting value for both advisors and the families they serve. With David attending industry conferences and meetings this week, we're bringing you this special two-part episode in place of our usual four-episode schedule.

David welcomes fellow financial advisor Mark Rowlette to discuss what it really takes to build a successful business—from creating scalable systems and developing leadership to transitioning from salesperson to business owner. They also explore the value of mentorship, building a company that can thrive without its founder, and why long-term success is about serving more people, not simply making more money. This is the first half of a 2-part conversation; As David was traveling for industry conferences and educational events, we're featuring two episodes this week instead of our usual four.

David and Chip examine how taxes can significantly impact professional athletes, investors, and businesses, from NFL players facing steep state tax bills to the ongoing migration of wealth and corporations toward lower-tax states. They also discuss the highly anticipated SpaceX IPO, exploring the risks of investing in overhyped public offerings, the role of free markets in determining value, and why investors should approach market excitement with caution.

Is it a good idea that the Omaha city council is considering raising the minimum wage to $15? Is it okay for me to not worry about saving for retirement and simply rely on the inheritance I’ll receive from my mom after she passes? And since I have to start taking my RMDs this year, should I take some money from each of my 3 IRA accounts or just one? David Brooks has answers to these questions in today’s Q&A episode.

In this episode, David sits down with advisor Sean Swanson to explore the SMART planning process and how a comprehensive retirement strategy goes far beyond investments alone. They discuss income planning, tax mitigation, healthcare costs, legacy planning, and the collaborative team approach that helps families navigate retirement with greater confidence and clarity.

David shares highlights from a memorable trip to Washington, D.C., including a lunch with political strategist Carl Rove and reflections on leadership, history, and meaningful connections. The conversation also explores local charitable efforts, the economic impact of the College World Series on Omaha, and why recent market volatility may have more to do with investor behavior and major IPO activity than geopolitical tensions in the Middle East.

David and Chip look into the growing trend of “inheritance bullying,” where adult children pressure parents for early access to family wealth, and why clear estate planning conversations can help prevent future family conflicts. They also unpack the challenges many retirees face after leaving the workforce, including loss of purpose, social connections, and daily structure, while sharing practical ideas for building a fulfilling and meaningful retirement.

Does David support the Trump administration’s proposal for 401(k) accounts to be able to invest in private equity and cryptocurrency? When taking on a new job, am I able to roll over my existing 401(k) or will it have a negative impact? And are there any reasonable health insurance options for someone not part of a big employer plan? David Brooks has answers to these questions in today’s Q&A episode.

Certified Financial Planner Blake Grimm joins David to explore the often-overlooked financial benefits of marriage, from tax savings and Social Security strategies to insurance discounts and retirement planning opportunities. Whether you're considering a first marriage or remarriage later in life, they discuss how understanding the financial implications can help couples make more informed decisions and avoid costly surprises down the road.

David and Chip discuss the latest developments in the ongoing Iran conflict, the continued migration of wealth and businesses away from high-tax states, and what those trends could mean for investors and the broader economy. They also examine Argentina’s surprising economic turnaround under President Javier Milei, highlighting how government spending cuts, regulatory reform, and free-market policies are challenging the predictions of many economists.

David and Chip discuss the soaring costs of the AI revolution, why major companies are struggling to justify massive AI spending, and what it could mean for investors. They also explore why Omaha and Lincoln continue to rank among the best places to raise a family, while examining economic migration trends, business-friendly policies, and the ongoing debate surrounding ESG investing.

What is David’s take on “CDs,” now that they are offering better interest rates? Are “Trump Accounts” for more than just kids? And even with the Pope weighting concerns about AI infringing on human work and dignity, is David still bullish on AI? David Brooks has answers to these questions in today’s Q&A episode.

In this episode, David and Jacob unpack a costly Social Security surprise that blindsided one retiree with a $21,000 repayment notice — and explain why claiming benefits too early can create serious tax and income headaches. They break down the little-known earnings limits, the “special monthly rule,” and why police, firefighters, railroad workers, and other early retirees need a proactive strategy before turning on Social Security.

Today, David reflects on a Memorial Day weekend filled with patriotism, honoring veterans, first responders, and community leaders through events like America’s Wall of Honor and Patriotic Production's Memorial day weekend. The conversation then shifts to the markets, where David breaks down growing concerns around Iran, overheated stock valuations, and rising margin debt — explaining why investors nearing retirement should pay close attention to portfolio risk as markets continue pushing to all-time highs.

In this episode we look at the risks and opportunities surrounding major IPOs like SpaceX, explaining why investors should be cautious of the post-launch volatility that often follows highly anticipated public offerings. The conversation shifts to Iowa’s sweeping property tax reform, the evolving “4% retirement rule,” and how new investment vehicles like proposed Trump Accounts could reshape long-term retirement and wealth-building strategies for future generations.

What does David think about some economists saying the U.S. can grow its way out of deficits and debt; that the right policies can generate such robust growth in GDP that the resulting tax revenue will exceed spending?  And what is the difference between a bond and a bond fund? David Brooks has answers to these questions in today’s Q&A episode.

Today, David welcomes CPA and Chief Tax Strategist Evan Marshall back to the studio to discuss why proactive tax planning is a year-round process, especially for entrepreneurs and high-income earners. The conversation includes strategies like Roth conversions, income shifting, and maximizing deductions under the “One Big Beautiful Bill,” while also exploring how tax incentives, state policies, and business-friendly legislation can shape long-term financial success for business owners and retirees alike.

David and Chip unpack the growing tensions surrounding Iran, the global economic ripple effects of disrupted oil and fertilizer supply chains, and why prolonged uncertainty could fuel inflation and market volatility. They also dive into the Federal Reserve’s shifting outlook on interest rates, the rise of “bond vigilantes,” and the outsized influence companies like NVIDIA now have on the broader market and everyday investors nearing retirement.

David and Chip break down the latest economic indicators, including stronger-than-expected payroll numbers, rising inflation concerns, and the growing likelihood of future Fed rate hikes. They also discuss overvalued markets, AI’s outsized impact on the S&P 500, state-level “exit tax” proposals targeting wealthy residents and businesses, and why understanding risk and long-term economic policy matters more than ever for investors and retirees.

What did Professor Ernie Goss have to say at Retire SMART’s recent event? How optimistic are we with President Trump is taking action to bring down beef prices? Will it work? And since housing prices are down 6% from last year, does that mean property tax will also go down? David Brooks has answers to these questions in today’s Q&A episode.

David is joined by longtime community leader Bill Williams to discuss an unforgettable Memorial Day celebration coming to Omaha and Lincoln featuring the world’s largest American flag, a patriotic drone show, and special performances honoring veterans and the nation’s 250th birthday. Bill also shares the heart behind Patriotic Productions, the impact of their veteran-focused mission, and why preserving patriotism and remembrance for future generations matters now more than ever.

David recaps a much-needed vacation with his wife aboard one of the world’s largest cruise ships before diving into Retire SMART’s recent Private Wealth Partners summit for high-net-worth clients. The conversation then shifts into Nebraska primary election surprises, minimum wage debates, and how ongoing tensions with Iran and China could impact markets, politics, and the economy heading into the midterms.

This the final part of a special conversation David Brooks had with Gregory Wilnau, a web designer and digital marketer For The Finance Niche. Gregory talks with David about building Retire Smart around proactive tax planning, client education, and a values-driven team culture. David shares how his journey from restaurant entrepreneur to financial advisor shaped his mission to help retirees and business owners avoid costly tax mistakes, plan with confidence, and make smarter long-term decisions.

This is part 3 of a special conversation David Brooks had with Gregory Wilnau, a web designer and digital marketer For The Finance Niche. Gregory talks with David about building Retire Smart around proactive tax planning, client education, and a values-driven team culture. David shares how his journey from restaurant entrepreneur to financial advisor shaped his mission to help retirees and business owners avoid costly tax mistakes, plan with confidence, and make smarter long-term decisions.

This is part 2 of a special conversation David Brooks had with Gregory Wilnau, a web designer and digital marketer For The Finance Niche. Gregory talks with David about building Retire Smart around proactive tax planning, client education, and a values-driven team culture. David shares how his journey from restaurant entrepreneur to financial advisor shaped his mission to help retirees and business owners avoid costly tax mistakes, plan with confidence, and make smarter long-term decisions.

This is part 1 of a special conversation David Brooks had with Gregory Wilnau [Will-nuh], a web designer and digital marketer For The Finance Niche. Gregory talks with David about building Retire Smart around proactive tax planning, client education, and a values-driven team culture. David shares how his journey from restaurant entrepreneur to financial advisor shaped his mission to help retirees and business owners avoid costly tax mistakes, plan with confidence, and make smarter long-term decisions.

Today is all about Palantir CEO Alex Karp and his bold perspective on technology, national defense, and society’s responsibilities. The discussion explores his belief that Silicon Valley owes a duty to support the country, alongside broader themes like the ethical use of AI, the dangers of “app dependency,” and the need to reconnect with real-world experiences. It also touches on his more philosophical views—encouraging civil discourse, respect for public servants, and a push for common-sense thinking in an increasingly polarized and tech-driven world.

How will Kevin Warsh change Federal Reserve policy, practice, and methodology? What can be done about the coverage cost that has skyrocketed with Mutual of Omaha? And does the government have a fiduciary to lead it in the right direction?  David Brooks has answers to these questions in today’s Q&A episode.

This episode features economist Ernie Goss breaking down a “plow horse” economy—steady GDP growth driven by investment and productivity, but with sluggish job creation and an aging workforce reshaping labor dynamics. The conversation dives into Federal Reserve policy, rising government debt, and the growing disconnect between economic output and employment trends. It also explores tax policy debates, migration patterns, and why consumption-based taxes and reduced government spending may play a key role in future economic growth.

A second attempted assassination made headlines, but with no injuries, markets largely shrugged it off. Meanwhile, global tensions around oil and trade continue to simmer, with record U.S. oil exports and shifts in OPEC dynamics influencing price volatility and inflation concerns. On the financial front, rising global debt is raising alarms about a potential bond market crisis, as higher interest rates could make debt increasingly difficult to sustain.

Cracks may be forming in the housing market as price cuts rise and transactions slow, forcing sellers to rethink expectations in a higher-rate environment. The conversation breaks down what this means for buyers, first-time homeowners, and long-term investors navigating affordability challenges and shifting demand. It also takes a sharp turn into government accountability, unpacking a massive fraud case and why transparency matters—before ending on a brighter note with why Omaha is emerging as a top destination for young professionals.

What might a “blue wave” midterm do to the market? If retired, is it worth it to take money out of a 401(k) and put it in a Roth IRA? And can AI reduce or eliminate the traditional need for a growing population to grow GDP?  David Brooks has answers to these questions in today’s Q&A episode.

Today, David sits down with estate planning attorney Colin Kastrick to unpack the legal and financial risks real estate investors often overlook—from liability exposure on rental properties to the hidden dangers of transferring mortgaged properties into an LLC. They also dive into the importance of building the right professional team and why having updated powers of attorney can make all the difference when life takes an unexpected turn.

This episode dives into the market’s surprisingly calm reaction to global tensions, including Iran, and what it signals about where the economy may be headed. David breaks down the growing disconnect between soaring asset prices and struggling consumers in today’s “K-shaped” economy, while also unpacking tariffs, Fed leadership drama, and rising national debt. The big question: are markets seeing stability ahead—or ignoring risks that could catch investors off guard?

This episode dives into the shifting financial landscape, from wealth migration trends pulling assets toward lower-tax states like Florida to the hidden risks of HOA policies that can catch homeowners off guard. The conversation wraps with a grounded look at Social Security, explaining why fears of it “going broke” may be overblown and what realistic changes could be on the horizon.

How can I ensure I’m paying out enough taxes for railroad retirement? What might a “blue wave” midterm do to the market? And what is a dollar? David Brooks has answers to these questions in today’s Q&A episode.

Today, we sit down with CFP® Alex Murray to unpack what happens after tax season—and why now is actually the most important time for proactive tax planning. We discuss how strategic forecasting, legislation changes, and real-time adjustments can dramatically impact what you pay. Plus, Alex shares his journey from intern to advisor and what young professionals should know about building a career in financial planning.

This week, we kick things off with a behind-the-scenes look at an unforgettable trip to Sir Richard Branson’s private island—and the powerful business lessons that came with it. Then, we break down key economic headlines, from inflation and global tensions to what’s next for interest rates and the Fed. Plus, a look at how massive companies like Amazon generate millions in seconds—and what that kind of scale really means.

This episode explores the real-world impact of tax policy, from Norway’s wealth tax driving capital outflows to similar trends across U.S. states, highlighting how taxation influences where people and businesses choose to operate. David and Chip also discuss the importance of proper financial guidance, using a high-profile athlete’s lawsuit as a cautionary tale, and underscores how strategic planning—especially for business owners—can unlock major tax advantages and long-term wealth protection

How important is it to have gold or silver in a portfolio? What advantages are there to storing precious metals at home versus paying storage fees? And how is a successful investment portfolio managed in a system based on a managed economy and funny money? David Brooks has answers to these questions in today’s Q&A episode.

Fresh off a trip to Las Vegas, Financial Advisor Brad Starken joins the show to share his Pop-A-Shot tournament run before diving into what really matters—smart financial planning. The conversation shifts into Social Security myths, including potential benefit changes and how to optimize claiming strategies, along with an introduction to digital assets like crypto and their role in a diversified portfolio. Brad and David also highlight how proactive planning and risk management can help clients stay confident through market volatility.

Markets surged on news of a potential Iran ceasefire, highlighting how global trade routes like the Strait of Hormuz impact far more than just oil. The episode breaks down recent volatility, historical midterm market trends, and what investors can learn from Warren Buffett’s long-term approach. Plus, strong jobs data—especially among younger workers and small businesses—signals encouraging momentum for the broader economy.

From corporate relocations to shifting population trends, this episode dives into the economic tug-of-war happening across all 50 states. The conversation unpacks how taxes, regulation, and cost of living are influencing where people choose to live—and where businesses choose to grow. If you’ve ever wondered why some states are booming while others struggle, this is the episode for you.

What’s with all the rumors of changes at the federal level to the rules governing Roth conversions and associated taxes? Do the recent Blue Owl struggles have an impact on investment strategies? And what’s to happen with tariffs and other economic policies after the Trump administration is gone? David Brooks has answers to these questions in today’s Q&A episode.

What does it take to deliver consistent, high-level financial advice? In this episode, David and Director of Wealth Management, Josh Cheatle, break down their unique training system, collaborative planning process, and why no single advisor works alone. The result: faster learning, smarter strategies, and a better experience for every client.

Kicking off with basketball tournament hype and Midwest momentum, the conversation quickly turns to bigger stakes—geopolitics, market swings, and investor behavior. As headlines around Iran and market corrections intensify, we break down what’s noise versus what actually matters for your portfolio. A must-listen for keeping perspective in unpredictable times.

We kick things off with a nod to Midwest grit—after Nebraska ranks among the top states for work ethic—and dive into why that reputation is attracting major investment, including massive new data center projects from companies like Google. But with growth comes big questions: energy demand, infrastructure, and whether taxpayers truly benefit.

Will the Federal Reserve be dissolved or absorbed into the treasury department? How concerned should we be about projections that social security and Medicare have less than a decade of solvency remaining? And is now a good time to buy a new car? David Brooks has answers to these questions in today’s Q&A episode.

Today, we welcome back Financial Advisor, Sean Swanson. From “travel” and “brackets” to “slam dunks” and “second-half adjustments,” we translate court-side concepts into real-world strategies for retirement, tax planning, and avoiding costly mistakes. It’s a fun, insightful conversation that shows how the right game plan—on or off the court—can make all the difference.

We start with a little plug-in for “Tax Madness”—a series of high octane videos, breaking down a bracket of 64 everyday taxes to determine which one Americans hate the most. Then we shift to the global stage, unpacking rising tensions in the Middle East, oil market volatility, and what it could mean for the economy here at home. Plus, we dive into inflation data, warning signs in credit markets, and whether comparisons to 2008 hold any real weight.

In this episode, we tackle a major local headline as Omaha considers a new downtown stadium project—and what it could mean for taxpayers, businesses, and the future of the city. From there, we shift to national trends, breaking down interstate migration, tax policy shifts, and why high earners and major companies are relocating across the country. Plus, we explore new wealth-building opportunities for the next generation, including emerging account strategies that could dramatically impact long-term financial security.

During this time of geopolitical unrest and war, what is Retire SMART doing to prepare their clients’ portfolios? If China and Japan are selling American debt, how will that affect our investments? And how far will Nebraska go in the NCAA tournament? David Brooks has answers to these questions in today’s Q&A episode.

Today, we sit down with estate planning attorney Colin Kastrick to break down the critical decisions business owners can’t afford to get wrong—from entity selection to buying and selling a business the right way. We also dive into powerful tax strategies around charitable giving, including how donor-advised funds can maximize impact while minimizing tax liability. If you want to keep more of what you earn and build smarter long-term wealth, this is a conversation you don’t want to miss.

David and Chip break down rising geopolitical tensions and what they really mean for global oil markets, from tanker traffic in the Strait of Hormuz to the surprising signals coming out of futures pricing. Then, they zoom out to the big picture—exploring how AI, shifting labor trends, and demographics could reshape productivity and the future of work. Plus, a look at tax policy headlines and a cautionary tale on wealth, as even a $100 million career doesn’t guarantee financial security.

In today’s episode, we explore several headlines highlighting how economic forces shape everyday decisions—from the decline of local newspapers to shifting consumer demand in the auto industry. We also examine broader economic trends, including population migration driven by taxes and the unintended consequences of raising minimum wages. Throughout the discussion, we connect current events back to basic economic principles and how they impact communities, businesses, and workers.

What does David think of Tucker Carlson’s latest accusation concerning the gold industry? Is it a good idea for a financial firm to also offer banking services? And with all the uproar about the Omaha streetcar project, is economic development looking to still be its main justification? David Brooks has answers to these questions in today’s Q&A episode.

Today, David is joined by financial advisor Mike Schudel to discuss why the current tax environment may be one of the most powerful opportunities for estate planning in decades. They discuss how today’s historically high estate tax exemptions could change in the future—and why waiting to plan could cost families significantly. The conversation also covers practical strategies to help protect wealth, reduce taxes, and ensure assets are passed on exactly how you intend.

This episode dives into the economic ripple effects of the latest Middle East tensions, including how oil flows, China’s energy dependence, and global strategy are shaping the bigger picture. David also breaks down why markets historically push forward even during wartime and what current tax cuts could mean for American households. Plus, a reality check on AI—cutting through the hype to explain where the real economic impact stands today.

Today’s discussion covers several timely local and national business stories. David breaks down Omaha Steaks’ controversial decision to stop supplying local restaurants and its PR fallout, covers a regulatory overreach involving a barber-themed lounge, and celebrates Nebraska cities ranking high for work-life balance. The episode wraps with a sobering reminder from BlackRock CEO Larry Fink about retirement savings, emphasizing the importance of planning and personal financial responsibility.

What is the difference between an exchange-traded fund and a mutual fund? With my husbands’ recent passing, me being 46, and having $450,000 saved, along with having to take withdrawals, I feel lost and don’t know where to start. How can I navigate this? And what does the acronym SMART stand for, in Retire SMART? David Brooks has answers to these questions in today’s Q&A episode.

David is joined by CFP Blake Grimm to break down the latest Medicare updates, including rising Part B premiums and changes to prescription drug costs. They walk through what Medicare actually covers — and what it doesn’t — from dental and vision to long-term care and ambulance rides. If you’re nearing retirement or already on Medicare, this is a must-listen to avoid costly surprises.

David breaks down the highlights from this year’s State of the Market Address, where people gathered to hear his take on the economy, inflation, and what’s really driving policy decisions. He dives into the Fed’s credibility, the Supreme Court’s tariff ruling, and whether AI is actually moving the needle on economic growth. If you want a no-nonsense perspective on markets and headlines, this one delivers.

Today, David unpacks Riston’s Law on a global scale — from the Dutch origins of Wall Street to modern wealth migration as countries experiment with taxing unrealized gains. The conversation explores how capital moves where it’s treated best, what that means for investors and retirees, and why proactive tax strategy matters more than ever. Plus, a powerful reminder that retirement isn’t just about money — it’s about purpose, planning, and making sure your life still matters.

Are tariffs partly to blame with all the rising prices? Where AI would be expected to reduce work, does it actually intensify it? And is President Trump doing too little, too slowly to address the housing situation? David Brooks has answers to these questions in today’s Q&A episode.

This episode features guest financial advisor Mark Rowlett with South Shore Retirement Services; he and David dive into why proactive tax planning is one of the most overlooked — yet most impactful — parts of retirement and wealth strategy. The conversation covers how taxes can erode retirement income, why location and policy matter, and how smart planning can help families keep more of what they’ve earned. If you want to understand the real power of tax strategy, this episode is a must-listen.

Today’s show opens with reflections on leadership, generosity, and community impact before diving into today’s financial news. David and Chip unpack positive inflation data, tax refund surprises, and federal workforce changes, along with a case study on how policy decisions affect businesses and workers. It’s a mix of perspective and practical economics you won’t want to miss.

This episode covers some surprising economic trends — including why Nebraska is outperforming much of the country when it comes to real income growth — and what that means for workers and business owners. We also dig into concerns about government spending, business incentives, and the challenges small businesses face navigating bureaucracy. Plus, an important conversation about retirement that goes beyond money — focusing on purpose, fulfillment, and why having a plan for life after work truly matters.

With long-term care being a complicated and expensive process for us, while we’re in our 60s and in good health, is it really worth the trouble going through? What am I supposed to do with an annuity I inherited after my mother’s passing? And what are David’s thoughts on me rolling over my 401(k) while I’m still working? David Brooks has answers to these questions in today’s Q&A episode.

This episode focuses on what business owners should be thinking about during tax season — from proactive tax planning to maximizing the value of your company. We break down strategies like the Qualified Business Income deduction, accelerated depreciation, and how proper planning could potentially save millions in taxes when exiting a business. If you’re an entrepreneur, this conversation is packed with opportunities you may not even realize exist.

This episode covers everything from hosting client events to breaking down the latest economic headlines. We dive into strong jobs data, what it could mean for interest rates, and even the surprising tax hit an NFL Big-Game–winning quarterback could face. It’s a fast-paced conversation on money, markets, and the real-world impact of policy decisions.

This episode dives into rising U.S. manufacturing data and the debate over tariffs, taxes, and economic growth. The guys also share a wild $32,000 antique crock story before turning to bigger issues — falling test scores, housing market nerves, and why looser mortgage rules could revive old financial risks. It’s a fast-moving look at how policy and market trends connect to your money.

What do the terms “flat-fee, fee-only, and fee-based” mean? What are short-term reserves and what are the risks of messing with a 401(k) in relation to a recent reddit post encouraging people to protest the current presidential administration. And when I call to schedule an appointment with Retire SMART, why can’t I meet with David? David Brooks has answers to these questions in today’s Q&A episode.

What starts as Big Game chatter turns into a fascinating look at the business of sports. Financial Advisor, Alex Murray and David Brooks break down ticket prices, sports betting, and how host cities can see hundreds of millions in economic impact from major events — then bring it closer to home with Omaha, Lincoln, and the power of Husker athletics. It’s football, finance, and why stadiums and sports culture can be serious economic engines.

David and Chip kick things off with some big-game banter but quickly pivot to a major economic shake-up: the nomination of Kevin Warsh as the next Fed Chair. They break down why markets reacted so hard, what a tighter Federal Reserve could mean for inflation, interest rates, and gold, and why investors—especially near retirement—can’t afford a “set it and forget it” strategy. Big policy shift, real portfolio impact.

From companies relocating to low-tax states to questions about lawmakers trading stocks, this episode tackles where money flows — and why. The conversation breaks down how tax policy influences economic growth, why government incentives matter, and the growing debate over insider trading and earmark spending in Congress. It’s a big-picture discussion on power, policy, and the impact on everyday investors.

What are the pros and cons of rolling out a 457 to buy a rental property? What should I do when I’m 57 and ready to be done with my job, but unsure if I have enough money to walk into retirement? And how is Retire SMART a different than other brokers? David Brooks has answers to these questions in today’s Q&A episode.

Social Security takes center stage, with advisor Brad Starken, as the conversation tackles new projections, funding concerns, and the real story behind potential benefit changes. Brad and David explain how demographics, taxes, and possible reforms could shape the program’s future, plus why when and how you claim matters more than most people realize. It’s a practical look at turning a complex system into a smarter retirement decision.

From subzero temps to red-hot topics, the guys kick things off with Husker basketball before breaking down what’s really driving the markets. They unpack the latest Fed meeting, what the statement signals about rate cuts, and why clarity matters more than the decision itself. Plus, a big-picture look at housing trends and how shifting supply could reshape prices in the years ahead.

David connects the dots between global debt concerns, tax policy, and a simple economic truth—money moves to opportunity and away from pressure. From Seattle tax proposals to shifting state trends, he explains how policy decisions can reshape where people live, work, and invest. The episode wraps with a look at the housing market, including easing mortgage lock-in, downsizing challenges, and why real estate may look different in the years ahead.

What questions should I ask when interviewing a financial advisor? And after dumping all my earnings back into my business for the past 25 years, while also wanting to scale back my involvement in my business, but not yet retire, what is a wise way to approach this situation? David Brooks has answers to these questions in today’s Q&A episode.

David is joined by advisor Jacob Orand to break down key tax moves and charitable giving strategies as a new filing season approaches. They explain new above-the-line deduction rules for cash donations, why documentation matters more than ever, and how retirees could benefit from stacking deductions. The conversation also covers common tax filing mistakes, Roth conversions, crypto reporting, and why slowing down can save you from costly errors.

This episode opens with a major Retire Smart milestone, celebrating the firm’s first awards gala and growth to more than 1,000 households served. From there, David breaks down President Trump’s latest global economic comments, tariffs, and why Greenland has suddenly become a key geopolitical and market conversation. The discussion connects world events to what they could mean for trade, markets, and investors.

This episode tackles big-picture issues shaping the economy, starting with healthcare costs, government spending, and why well-intentioned policies often drive prices higher. David also unpacks market history, including what strong rebounds can signal for the year ahead and why staying invested matters more than timing the market. The conversation closes with insights on trade data, gold, and why missing a Santa Claus rally may not be as scary as it sounds.

We own a lot that’s never been built on, still owe $120,000 for it, and can’t seem to sell it; what are we to do? What is a 770 account and if I want one, where can I get it? And what can I expect if I come to one of your “Taxes in Retirement” events? David Brooks has answers to these questions in today’s Q&A episode.

David is joined by Brandon Stuerke, founder of The Retirement Institute, an online education platform built to help retirees and pre-retirees get real answers to real financial questions. They discuss why retirement planning needs specialists—not generalists—and how technology is helping close the growing advice gap as millions retire and advisors exit the industry. The conversation also dives into advisor training, Roth conversions, business succession planning, and why education is the future of retirement planning.

We open the show with a heartfelt tribute to Sandy Dodge, a true Omaha community leader whose legacy of service and giving back continues to inspire. From there, David breaks down key economic headlines, including cooling inflation, Fed drama, and what the latest data could mean for interest rates. Then we wrap with a deep dive into taxes, wealth tax proposals, and why policy decisions often come with serious unintended consequences.

Part 4 of David Brook's Debate with Adam Curran, with Curran Financial.

Part 3 of David Brook's Debate with Adam Curran, with Curran Financial.

Part 2 of David Brook's Debate with Adam Curran, with Curran Financial.

Part 1 of David Brook's Debate with Adam Curran, with Curran Financial.

Today, David breaks down several big money headlines, starting with changes to Social Security that could impact benefits, earnings limits, and when it pays to file. The discussion then shifts to Economics 101, covering wealth taxes, electric vehicles, and what rising minimum wages really mean for businesses and consumers.

If my mother, who has a couple annuities, passes away, will those annuities be taxable to me? Will I be taxed heavily when I cash in savings bonds I inherited from my parents? And at 50 years old and with 22 years left on my mortgage, should I pay off the house with the after-tax-account money from my divorce? David Brooks has answers to these questions in today’s Q&A episode.

In this episode, David is joined by senior advisor Sean Swanson to share some exciting Retire Smart news, including the addition of a new advisor to the team. The conversation then walks through the SMART planning process and how having a clear, written plan can bring confidence through every stage of retirement.

We open today with a powerful reminder of impact—how a simple shoebox gift can change lives in ways no one expects. From there, David breaks down the business of sports, major shifts in college athletics, and what booming program valuations tell us about money, markets, and momentum heading into the new year.

In the final preview segment as we head into the new year, David takes a hard look at the economic forces shaping retirement planning. From inflation, housing, and interest rates to AI, wages, and the massive wealth transfer underway, the discussion focuses on what really matters for households as conditions continue to shift.

Today David shifts the focus to what’s ahead for Retire Smart in 2026. From continued hiring and expanded internships to deeper community involvement and a full year partnering with Husker Athletics, the discussion highlights how the firm plans to keep growing while staying rooted in education and service.

In this year-end review, David looks back on a milestone year for Retire Smart, marked by rapid growth, new team members, and nearly 1,000 households served. The conversation highlights the opening of the Lincoln office, expanded community partnerships, and deeper involvement with Husker Athletics. It’s a snapshot of how education, service, and planning drove the firm’s momentum in 2025.

Looking back into 2025, we’re breaking down the year that was. From Trump’s return to office and market volatility to AI’s rapid growth, interest rates, and the widening gap between asset owners and everyone else, we unpack the biggest forces that shaped the economy.

Big changes are coming at Berkshire Hathaway as Warren Buffett’s long-standing leadership era winds down. We also dig into farm subsidies, small-town affordability, and why more Americans are becoming 401(k) millionaires. And finally, we ask the big year-end question: will the market deliver a Santa rally?

What strategies should I look for from financial advisors who focus on retirees, rather than everyone else? Is there a good rule of thumb for how much of my IRA should be invested in safe investments at age 60? And what are stock options and how do I get compensated for them? David Brooks has answers to these questions in today’s Q&A episode.

We welcome back financial advisor, Brad Starken, who is here to talk about what’s been happening in the world of digital assets, including Bitcoin’s recent price swings and why volatility is part of the crypto space. They also discuss the growing role of stablecoins, how they could lower transaction costs, and what widespread adoption might mean for businesses, accounting, and everyday transactions in the years ahead.

Today, David and Chip look at major political and economic changes happening around the world -- from leadership changes in Chile and Japan to what pro-growth policies could mean for the global debt problem. They also discuss the Fed’s latest interest rate decision, ongoing money printing, and why some former Fed officials are raising concerns about how the central bank is being run.

In this episode, we explore major shifts impacting affluent families — from the rise of modern family offices to the growing need for fully coordinated, “under-one-roof” wealth planning. The discussion also dives into new Trump Accounts for children, the power of long-term compounding, and real-world tax pressures showing up today in places like Boston real estate and Midwest farmland valuations.

After selling a 7-figure commercial property, I’m expecting a hefty tax bill; how should prepare for that? Should my husband, who is to retire next year, take the lump sum option or the pension? And as a 53-year-old construction business owner, should I get “Key Man” insurance? David Brooks has answers to these questions in today’s Q&A episode.

We welcome back elder law and estate planning attorney Colin Kastrick, and focus on how estate planning and long-term care strategies work together to protect families from costly spend-downs. The discussion covers proactive and crisis planning options, Medicaid-compliant tools, and how modern insurance innovations can help preserve assets and pass more on to the next generation.

Today’s conversation reflects on the importance of education, community involvement, and smart planning—highlighting everything from Social Security classes to a holiday giving initiative with the Open Door Mission. The discussion then turns to the Fed’s latest interest rate decision, labor market signals, and what potential leadership changes at the Federal Reserve could mean for inflation, employment, and the broader economy heading into next year.

David and Chip break down global headlines shaping markets—from Switzerland’s rejection of a wealth tax to rising tensions in Venezuela. They dig into how policy shifts, regime changes, and Federal Reserve leadership could influence economic trends here at home. The conversation wraps with a look at why some believe AI and robotics may be key to tackling America’s growing debt.

As a married 64-year-old, is it a bad idea to take money out of our IRA for a house downpayment? At 66, My wife thinks we need to be planning for a situation where I can’t work anymore, what should I do about my investments? And what are my retirement savings options if I never got a 401(k)? David Brooks has answers to these questions in today’s Q&A episode.

David welcomes back Candice Gregory from Open Door Mission to talk about the growing needs in our community during the holiday season. They discuss the rising demand for meals, shelter, and volunteer support, along with how programs like the Toy & Joy Shop and Christmas Bells are changing lives. It’s a powerful reminder of how far a small act of generosity can go this time of year.

David and Chip kick things off with Nebraska sports, leadership shake-ups, and the growing chaos of college football’s coaching carousel. They also dive into the mixed signals from this year’s Black Friday and Cyber Monday sales, plus why online shopping continues to reshape holiday retail. Finally, the discussion turns to Tesla’s sky-high valuation and Michael Burry’s latest warning about the company’s future.

David breaks down Nvidia’s latest earnings and why alarming growth in receivables may signal deeper risks beneath the AI hype. He also explains Warren Buffett’s surprising investment in Google—and how emerging competition in AI chips could reshape the tech landscape. Finally, the conversation shifts to new IRS migration data showing which states are losing taxpayers fastest, including a warning sign for Nebraska.

To keep peace between my spouse and I, is it okay to pay off debt with money from my IRA? Should I take money from each of my IRA accounts for RMDs next year, or just one? And with 75% of my assets being rental properties and classic cars, should I sell some of them to give myself more liquid money to work with? David Brooks has answers to these questions in today’s Q&A episode.

David sits down with financial advisor Jacob Orand to break down the year-end charitable giving strategies that can still move the needle on your 2024 tax return. They unpack upcoming 2026 legislative changes, smarter ways to give—whether it’s $100 or $100,000—and key opportunities like donor-advised funds, SALT bunching, and qualified charitable distributions. If you want to maximize impact while minimizing taxes, this is a timely conversation you won’t want to miss.

David and Chip kick the holiday season off with a roundup of community impact, from Operation Christmas Child to supporting the Open Door Mission. They also break down fresh economic headlines, including developments in the Russia-Ukraine peace discussions, shifting Fed rate-cut expectations, and what new jobs and market data mean for investors.

In this episode, David and Chip break down a wave of Nebraska headlines—from the nation’s first digital asset bank launching in Norfolk to rising outside money pouring into the state’s competitive second congressional district. They also tackle a major budgeting error that left Omaha Public Schools with a $30 million overpayment and discuss the broader issue of accountability in local government. The show wraps with a lighter look at a Korean bank rewarding customers for staying active.

What did President Trump mean when he said he’d rather pay American’s and let us secure our own health insurance? What policies would David advocate for to make life in America more affordable? And with only a few years until retirement, should I focus on paying off debt or stockpiling more money in my account? David Brooks has answers to these questions in today’s Q&A episode.

Today, David Brooks and Josh Cheatle shine a light on Long-Term Care Awareness Month with personal stories and a candid look at the rising cost of caregiving. They explain how modern LTC solutions have evolved beyond traditional policies, offering more flexibility, home-care options, and guaranteed-issue alternatives. It’s a reminder that medical and longevity planning must be part of every comprehensive retirement plan.

In this episode, David and Chip look at a 20% jump in foreclosures and why some boomtowns are now feeling real estate pressure. They cover higher retirement savings limits for 2026, Michael Burry’s retreat from the spotlight, and renewed questions around AI-driven valuations. It’s a level-headed walk through the stories shaping financial decisions right now.

In this episode, David and Chip break down new data showing Gen Z’s move away from cash and what a fully digital future could mean for security, financial habits, and everyday resilience. They also touch on Warren Buffett’s accelerated charitable giving and end with encouraging news about more Americans than ever saving for retirement. It’s a wide-ranging look at money trends shaping the next generation.

Can I open a 401(k) on my own or can it only be done through an employer? What should I do with an old 403(b) account from my previous job? And what is what is the ideal model for a successful health insurance system? David Brooks has answers to these questions in today’s Q&A episode.

Today, David welcomes back Alex Murray, CFP, for a deep dive into IRMAA—how it works, why it catches so many people off guard, and what proactive planning can do to soften the impact. They cover the latest estimates, key income cliffs, and real examples from clients navigating these penalties. If Medicare is on your horizon, this is an episode you won’t want to miss.

David and Chip unpack the market’s response to the shutdown’s resolution and the concerning job trends that agencies haven’t been able to report. They dive into workforce shifts, the real story behind layoffs, and how taxes and policy decisions are influencing where businesses choose to call home. It’s a wide-ranging look at economic pressures from Wall Street to Main Street.

David and Chip dive into global headlines around the massive $80 trillion wealth transfer and what it could mean for future inheritance and estate taxes. They also spotlight a few surprising stories—from the former Fiserv chief’s $300 million move to government service to Diane Keaton’s alleged $5 million pet trust—before closing with a bullish look at market momentum heading into next spring.

What are the most effective methods to reduce mandatory spending? What tax increases will have the least negative impact on retirement income? And was President Trump teasing when he said we could solve our debt problem with a cryptocurrency transaction? David Brooks has answers to these questions in today’s Q&A episode.

David sits down with advisor Charles Dzama, a guest from Southern California specializing in financial planning for federal employees. Together, they unpack the unique retirement challenges and opportunities facing this group, from managing TSP allocations to leveraging tax-efficient strategies like qualified charitable distributions and Roth conversions.

David and Chip celebrate their 400th episode with gratitude for listeners and a look at how recent elections could trigger major shifts in the U.S. economy. They cover everything from Texas’ investor-friendly tax amendment to global market moves in Europe, all while highlighting how policy decisions today could alter the financial world of tomorrow.

David and Chip explore two headlines that highlight America’s economic divide — California’s proposed wealth tax and Florida’s push to eliminate property taxes. Their discussion unpacks the idea of a “K-shaped economy,” where opportunity rises for some and falls for others, and ends with a look at how innovation and optimism continue to shape our future.

With the disconnect between record market returns and the weak job market, what is happening in this economy? Do we see a bust in AI due to no workforce to build data centers? And is there anything in the Big Beautiful Bill to allow Roth conversions without penalty?  David Brooks has answers to these questions in today’s Q&A episode.

In this episode, David and CPA Evan Marshall break down how the government shutdown is creating IRS backlogs while filing and payment deadlines remain unchanged. Evan also highlights key 2026 tax law changes affecting charitable giving and outlines timely year-end strategies for entrepreneurs focused on tax efficiency and exit planning.

Today, David and Chip tackle a full slate of economic headlines — the prolonged government shutdown, Fiserv’s massive stock drop, and a surprising boost for PayPal tied to OpenAI. They also break down the latest housing data and Social Security updates, connecting the dots on how each story could impact investors and retirees alike.

Today, David and Chip start with some good news, as Nebraska ranks among the happiest states in America despite high property taxes. From there, they discuss the latest on the U.S. budget deficit, tariffs, and the growing divide in the “K-shaped” economy before wrapping up with a look at rising education costs—and a funny story about smart beds gone wrong.

Where did the term “Quintile” come from? Are government tax-free bonds a good tool for income in retirement? And given the 2-year look-back for IRMAA limits, how much could we comfortably “overshoot” the 2025 limits without being affected in 2027?  David Brooks has answers to these questions in today’s Q&A episode.

David welcomes back Mike Shudel, a Certified Exit Planning Advisor, to discuss proactive strategies for business owners looking to grow, protect, and eventually exit their companies. Together, they break down key topics like tax structure, key-person planning, and succession strategies that can turn a lifetime of work into lasting value.

David shares insights from his recent trip to Beverly Hills, where he attended the CAS ALTS Summit focused on alternative investments for accredited investors. He explains why private markets are becoming more accessible and what investors should know about liquidity before turning to global headlines, including Japan’s historic appointment of its first female prime minister.

We are bringing out one of David’s “Advisor Talk” conversations from the Retire Smart media vault. President and founder of Wealth Trac Financial, Kurt Fillmore, covers multiple topics with David, from the psychological changes retirement brings to giving purpose to the “why” when it comes to planning for retirement. This conversation has been broken down into 4 parts for podcast presentation; make sure to listen to the other 3 segments for the entire conversation.

We are bringing out one of David’s “Advisor Talk” conversations from the Retire Smart media vault. President and founder of Wealth Trac Financial, Kurt Fillmore, covers multiple topics with David, from the psychological changes retirement brings to giving purpose to the “why” when it comes to planning for retirement. This conversation has been broken down into 4 parts for podcast presentation; make sure to listen to the other 3 segments for the entire conversation.

We are bringing out one of David’s “Advisor Talk” conversations from the Retire Smart media vault. President and founder of Wealth Trac Financial, Kurt Fillmore, covers multiple topics with David, from the psychological changes retirement brings to giving purpose to the “why” when it comes to planning for retirement. This conversation has been broken down into 4 parts for podcast presentation; make sure to listen to the other 3 segments for the entire conversation.

We are bringing out one of David’s “Advisor Talk” conversations from the Retire Smart media vault. President and founder of Wealth Trac Financial, Kurt Fillmore, covers multiple topics with David, from the psychological changes retirement brings to giving purpose to the “why” when it comes to planning for retirement. This conversation has been broken down into 4 parts for podcast presentation; make sure to listen to the other 3 segments for the entire conversation.