RichLife Advisors - Retirement By Design

04/27/2026

Market volatility doesn't have to mean uncertainty about your plan.

In our Q1 2026 update, Chief Investment Strategist Jay Coulter, CFP®, CIMA® walks through the data — GDP, inflation, commodities, portfolio positioning — and explains exactly how our rules-based process responded last quarter.

No predictions. No headlines. Just process.

If you're at or near retirement and wondering what a disciplined investment strategy actually looks like in practice, this is worth 30 minutes.

Q1 2026 Market Update | Rules-Based Investing in a Volatile Quarter

03/03/2026

If you are approaching retirement and want a clearer understanding of how Social Security impacts your retirement, we are hosting a no-cost educational workshop.

We will explain how retirement accounts, Social Security decisions, and required minimum distributions can impact long-term income planning. The goal is to provide clear explanations so you can better understand your options.

📍Pinckneyville Park Community Recreation Center
📅 March 3rd & 4th
🕡 6:30 to 7:30 p.m.

Seats are limited and still available.
Register here: https://www.yoursvp.com/53c00477-4236-48a5-8445-ddf93f6fd401

Services offered are free of cost and persons are under no obligation to continue beyond the scope of this offer.

RichLife Advisors does not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstance.

Not associated with or endorsed by the Social Security Administration, Medicare or any other government agency.

Converting an employer plan account or Traditional IRA to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences including but not limited to, a need for additional tax withholding or estimated tax payments, the loss of certain tax deductions and credits, and higher taxes on Social Security benefits and higher Medicare premiums. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA.

02/18/2026

The biggest risk in retirement is not running out of money. It’s running out of life with regret.

Recently, our founder, Beau Henderson spoke at the Harvard Club of Boston about a concern we hear quietly but consistently:

Will we look back and wish we had used our time, freedom, and resources differently?

Thank you to the Harvard Club for the opportunity to host this important discussion.

02/16/2026

How will taxes affect your retirement income over time? Do you feel confident in how the different parts of your retirement plan fit together?

Small gaps in understanding can quietly lead to higher taxes and fewer options later in retirement.

We’re hosting a FREE educational workshop designed for people nearing retirement who want a clearer picture of how IRAs, 401(k)s, and Social Security decisions fit together.

In this workshop, we’ll explain:

• Why many retirement accounts create future tax obligations
• How recent tax law and Social Security changes may affect your benefits
• Planning approaches that can help manage future required minimum distributions
• How retirees think about creating reliable income during market uncertainty

There’s no product presentation and no pressure. We are aiming to provide a clear explanation to help you understand your options and feel more confident about the decisions ahead.

📍 Buford Community Center, Town Park & Theatre, Railroad Room
📅 Tuesday, February 17 and Thursday, February 19
🕡 6:30 to 7:30 p.m.

A limited number of seats are still available. We hope to see you there!

Register here: https://www.yoursvp.com/191c6aac-c059-488f-8fcc-d27a8c20fd29

Services offered are free of cost and persons are under no obligation to continue beyond the scope of this offer.

RichLife Advisors does not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstance.

Not associated with or endorsed by the Social Security Administration, Medicare or any other government agency.

Converting an employer plan account or Traditional IRA to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences including but not
limited to, a need for additional tax withholding or estimated tax payments, the loss of certain tax deductions and credits, and higher taxes on Social Security benefits and higher Medicare premiums. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA.

02/15/2026

𝗪𝗵𝗮𝘁 𝗶𝗳 𝘁𝗵𝗲 𝗯𝗶𝗴𝗴𝗲𝘀𝘁 𝘁𝗵𝗿𝗲𝗮𝘁 𝘁𝗼 𝘆𝗼𝘂𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗶𝘀𝗻'𝘁 𝘁𝗵𝗲 𝗺𝗮𝗿𝗸𝗲𝘁 — 𝗶𝘁'𝘀 𝘆𝗼𝘂𝗿 𝗼𝘄𝗻 𝗺𝗶𝗻𝗱?

Today, Beau sits down with Dr. Daniel Crosby — psychologist, behavioral finance pioneer, and bestselling author of The Soul of Wealth — for a conversation that goes way beyond numbers. This isn't your typical retirement talk. It's about what actually drives the decisions we make with our money, and how to use that knowledge to build a life that truly matters.

✅ Why research shows that how you spend money matters far more than how much you have
✅ The "Believing, Belonging & Becoming" framework that helps you align your money with what you actually care about
✅ The simple habit that can make you 10x less likely to panic-sell in a down market
✅ What people at the end of life actually wish they'd spent their money on — and it's not what you'd expect

𝗧𝗵𝗲 𝗥𝗶𝗰𝗵𝗟𝗶𝗳𝗲 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗦𝗵𝗼𝘄 𝘄𝗶𝘁𝗵 𝗕𝗲𝗮𝘂 𝗛𝗲𝗻𝗱𝗲𝗿𝘀𝗼𝗻 airs this afternoon:
📻 12:30 PM ET on AM550 WDUN
(quick link in the comments)

02/12/2026

𝗡𝗼𝗿𝘁𝗵 𝗚𝗲𝗼𝗿𝗴𝗶𝗮 𝗣𝗿𝗲-𝗥𝗲𝘁𝗶𝗿𝗲𝗲𝘀:- 𝗖𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝗯𝗲 𝗹𝗲𝗮𝘃𝗶𝗻𝗴 $𝟮𝟬𝟬,𝟬𝟬𝟬+ 𝗼𝗻 𝘁𝗵𝗲 𝘁𝗮𝗯𝗹𝗲? 𝗧𝘄𝗼 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗜𝗻𝗰𝗼𝗺𝗲 𝗮𝗻𝗱 𝗧𝗮𝘅 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝘄𝗼𝗿𝗸𝘀𝗵𝗼𝗽𝘀 𝗵𝗮𝗽𝗽𝗲𝗻𝗶𝗻𝗴 𝗻𝗲𝘅𝘁 𝘄𝗲𝗲𝗸

📅 Tuesday, February 17th OR Thursday, February 19th @ 6:30 pm
📍 Buford Community Center - Buford GA
𝗥𝗘𝗚𝗜𝗦𝗧𝗘𝗥 𝗛𝗘𝗥𝗘: https://richlifeadvisors.com/BufordFeb2026

One of the most important decisions you'll make before retirement is when and how to claim Social Security. The difference between the best and worst claiming strategy? Hundreds of thousands of dollars in lifetime income.

We recently sat down with a couple who unknowingly missed out on over $200,000 in benefits—simply because they didn't know what questions to ask before filing.

If you're nearing retirement in North Georgia and wondering:
🍃 "Am I filing at the right time?"
🍃 "What about my spouse's benefits?"
🍃 "How do I avoid paying taxes on 85% of my Social Security?"

𝗪𝗲'𝗹𝗹 𝗰𝗼𝘃𝗲𝗿:
✔️ Social Security claiming strategies that still work under the new rules
✔️ How to create a tax-focused retirement plan
✔️ Survivor benefits for widowed and divorced spouses
✔️ Medicare's hidden tax penalties and what to do about them
✔️ The One Big Beautiful Bill Act and how it could impact your retirement taxes

This is a no-cost educational workshop—no sales pitch, just real talk about making informed decisions with your benefits.

𝗖𝗹𝗶𝗰𝗸 𝗯𝗲𝗹𝗼𝘄 𝘁𝗼 𝗥𝗦𝗩𝗣 𝗼𝗻𝗹𝗶𝗻𝗲.
𝗥𝗘𝗚𝗜𝗦𝗧𝗘𝗥 𝗛𝗘𝗥𝗘: https://richlifeadvisors.com/BufordFeb2026

02/08/2026

𝗛𝗼𝘄 𝗺𝗮𝗻𝘆 𝘃𝗮𝗰𝗮𝘁𝗶𝗼𝗻 𝗱𝗮𝘆𝘀 𝗵𝗮𝘃𝗲 𝘆𝗼𝘂 𝗯𝘂𝗿𝗻𝗲𝗱 𝗯𝗲𝗰𝗮𝘂𝘀𝗲 𝗗𝗮𝗱 𝗳𝗲𝗹𝗹 𝗮𝗴𝗮𝗶𝗻?

Today on the RichLife Retirement Show, I'm sitting down with caregiving expert Annalee Kruger to talk about the retirement risk nobody plans for — until it's too late. If you've ever felt that sinking feeling in the pit of your stomach when your phone rings at an odd hour, this episode is for you.

Here's the reality: caregiving doesn't announce itself. It sneaks up through missed bills, weight loss, and that third ER visit this month. And suddenly, you're managing two households, two sets of finances, and wondering when you became the parent.

𝗧𝗵𝗶𝘀 𝗮𝗳𝘁𝗲𝗿𝗻𝗼𝗼𝗻, 𝘄𝗲'𝗿𝗲 𝗰𝗼𝘃𝗲𝗿𝗶𝗻𝗴:

✅ The warning signs your aging parents need help NOW (before the next crisis)
✅ Why families are hemorrhaging $15,000+ annually on caregiving emergencies
✅ The proactive aging plan that protects BOTH your parents and your retirement dreams
✅ What to do if you're already drowning in caregiver burnout

The truth? You can't pour from an empty cup. And right now, 65 million family caregivers are running on fumes.

But it doesn't have to be this way. With the right plan, you can care for your loved ones WITHOUT sacrificing your own future.

𝗧𝗵𝗲 𝗥𝗶𝗰𝗵𝗟𝗶𝗳𝗲 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗦𝗵𝗼𝘄 𝘄𝗶𝘁𝗵 𝗕𝗲𝗮𝘂 𝗛𝗲𝗻𝗱𝗲𝗿𝘀𝗼𝗻 airs this afternoon:
12:30 PM on AM550 WDUN
(quick link in the comments)

02/06/2026

𝗪𝗵𝗮𝘁 𝗶𝗳 𝘁𝗵𝗲 𝗽𝗲𝗿𝘀𝗼𝗻 𝘄𝗵𝗼 𝗻𝗲𝗲𝗱𝘀 𝘁𝗵𝗲 𝗺𝗼𝘀𝘁 𝗰𝗮𝗿𝗲 𝗶𝗻 𝘆𝗼𝘂𝗿 𝗳𝗮𝗺𝗶𝗹𝘆… 𝗶𝘀 𝘆𝗼𝘂?

Not because you're sick. But because you're the one shouldering the weight of caregiving—while your own retirement dreams slip away.

A woman once told me she cared for her dying husband, then immediately after he passed for her mother. She loved them deeply. But she also got angry. "What about MY life?" she asked.

The room fell silent. Because everyone knew: that could be them.

𝗛𝗲𝗿𝗲'𝘀 𝘄𝗵𝗮𝘁 𝗸𝗲𝗲𝗽𝘀 𝗺𝗲 𝘂𝗽 𝗮𝘁 𝗻𝗶𝗴𝗵𝘁: 𝟱𝟴% 𝗼𝗳 𝗳𝗮𝗺𝗶𝗹𝗶𝗲𝘀 𝗴𝗲𝘁 𝗯𝗹𝗶𝗻𝗱𝘀𝗶𝗱𝗲𝗱 𝗯𝘆 𝗰𝗮𝗿𝗲𝗴𝗶𝘃𝗶𝗻𝗴. 𝗡𝗼 𝗽𝗹𝗮𝗻. 𝗡𝗼 𝘄𝗮𝗿𝗻𝗶𝗻𝗴. 𝗝𝘂𝘀𝘁 𝗮 𝗽𝗵𝗼𝗻𝗲 𝗰𝗮𝗹𝗹 𝗮𝘁 𝟯 𝗔𝗠 𝘁𝗵𝗮𝘁 𝗰𝗵𝗮𝗻𝗴𝗲𝘀 𝗲𝘃𝗲𝗿𝘆𝘁𝗵𝗶𝗻𝗴.

𝗔𝗻𝗱 𝗵𝗲𝗿𝗲'𝘀 𝘄𝗵𝗮𝘁 𝗻𝗼𝗯𝗼𝗱𝘆 𝘁𝗲𝗹𝗹𝘀 𝘆𝗼𝘂—𝘁𝗵𝗲 𝗰𝗮𝗿𝗲𝗴𝗶𝘃𝗲𝗿 𝗼𝗳𝘁𝗲𝗻 𝘀𝘂𝗳𝗳𝗲𝗿𝘀 𝗺𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 𝘁𝗵𝗲 𝗽𝗮𝘁𝗶𝗲𝗻𝘁.

This Sunday on the Rich Life Retirement Show, I'm joined by Annalee Kruger, one of the nation's leading caregiving experts, for a conversation that could change the trajectory of your family's future.

Annalee and I are talking about:

✅ The subtle red flags your aging parents are showing right now (that you're missing)
✅ Why caregiving costs families more than market crashes—and how to prevent it
✅ The one conversation that protects both your parents AND your retirement

𝗬𝗼𝘂 𝗰𝗮𝗻 𝗵𝗼𝗻𝗼𝗿 𝘆𝗼𝘂𝗿 𝗽𝗮𝗿𝗲𝗻𝘁𝘀 𝘄𝗶𝘁𝗵𝗼𝘂𝘁 𝘀𝗮𝗰𝗿𝗶𝗳𝗶𝗰𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗳𝘂𝘁𝘂𝗿𝗲. 𝗕𝘂𝘁 𝗼𝗻𝗹𝘆 𝗶𝗳 𝘆𝗼𝘂 𝗽𝗹𝗮𝗻 𝗮𝗵𝗲𝗮𝗱.

🎙️ Tune in Sunday at 12:30 PM on AM 550 and FM 102.9 WDUN

This might be the most important 30 minutes you spend this week.

02/02/2026

𝗤𝘂𝗶𝗰𝗸 𝗥𝗲𝗺𝗶𝗻𝗱𝗲𝗿 𝗡𝗼𝗿𝘁𝗵 𝗚𝗲𝗼𝗿𝗴𝗶𝗮 𝗣𝗿𝗲-𝗥𝗲𝘁𝗶𝗿𝗲𝗲𝘀:
𝗦𝗼𝗰𝗶𝗮𝗹 𝗦𝗲𝗰𝘂𝗿𝗶𝘁𝘆 & 𝗧𝗮𝘅 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗪𝗼𝗿𝗸𝘀𝗵𝗼𝗽 𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸
We still have a few open seats.. Register now:
👉 https://richlifeadvisors.com/LawrencevilleFeb2026

📅 TOMORROW - Tuesday, February 3rd OR
Thursday, February 5th @ 6:30 pm
📍 Gwinnett Technical College - Lawrenceville Campus

𝗜𝗳 𝘆𝗼𝘂'𝗿𝗲 𝗻𝗲𝗮𝗿𝗶𝗻𝗴 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗮𝗻𝗱 𝘄𝗮𝗻𝘁 𝘁𝗼 𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱:

✔️ When to file for Social Security
✔️ How to reduce taxes on your benefits
✔️ Strategies for spousal and survivor benefits

This free workshop is for you.
No sales pitch—just clear, practical guidance.

Register https://richlifeadvisors.com/LawrencevilleFeb2026
Or call (844) 439-1068

02/01/2026

𝗛𝗼𝘄 𝗱𝗼 𝘆𝗼𝘂 𝗲𝘅𝗽𝗹𝗮𝗶𝗻 𝘁𝗼 𝘆𝗼𝘂𝗿 𝘀𝗽𝗼𝘂𝘀𝗲 𝘁𝗵𝗮𝘁 𝘁𝗵𝗲 𝗺𝗼𝗻𝗲𝘆 𝘆𝗼𝘂 𝘀𝗮𝘃𝗲𝗱 𝗳𝗼𝗿 𝟰𝟬 𝘆𝗲𝗮𝗿𝘀 𝗶𝘀 𝗴𝗼𝗻𝗲 𝗶𝗻 𝟭𝟴 𝗺𝗼𝗻𝘁𝗵𝘀?

This morning's RichLife Retirement Show features the story that changed award-winning elder law attorney Aaron Miller's career — watching his grandparents lose everything because nobody explained their options.

With long-term care costs hitting $6,000-$20,000 monthly, families who wait until crisis strikes often lose their entire life savings.

𝗧𝘂𝗻𝗲 𝗶𝗻 𝘁𝗼 𝗱𝗶𝘀𝗰𝗼𝘃𝗲𝗿:

✅ The three strategic funding methods most families never consider
✅ Why having "too much money" doesn't actually disqualify you from Medicaid
✅ How the "five-year clock" protects assets while ensuring quality care
✅ The Medicare misconception that's costing families hundreds of thousands

Two-thirds of American families have no long-term care plan. Don't let your family become another cautionary tale.

𝗧𝗵𝗲 𝗥𝗶𝗰𝗵𝗟𝗶𝗳𝗲 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗦𝗵𝗼𝘄 𝘄𝗶𝘁𝗵 𝗕𝗲𝗮𝘂 𝗛𝗲𝗻𝗱𝗲𝗿𝘀𝗼𝗻 airs this afternoon:
— 12:30 PM on AM550 WDUN
(quick link in the comments)

01/30/2026

𝗪𝗵𝗮𝘁 𝗜𝗳 𝗢𝗻𝗲 𝗠𝗲𝗱𝗶𝗰𝗮𝗹 𝗖𝗿𝗶𝘀𝗶𝘀 𝗖𝗼𝘂𝗹𝗱 𝗪𝗶𝗽𝗲 𝗢𝘂𝘁 𝗘𝘃𝗲𝗿𝘆𝘁𝗵𝗶𝗻𝗴 𝗬𝗼𝘂’𝘃𝗲 𝗪𝗼𝗿𝗸𝗲𝗱 𝗙𝗼𝗿? 𝗪𝗵𝗲𝗻 𝗶𝘁 𝗰𝗼𝗺𝗲𝘀 𝘁𝗼 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁, 𝘄𝗵𝗮𝘁 𝗵𝗮𝗽𝗽𝗲𝗻𝘀 𝘁𝗼 𝘆𝗼𝘂𝗿 𝗺𝗼𝗻𝗲𝘆 𝘄𝗵𝗲𝗻 𝘆𝗼𝘂 𝗴𝗲𝘁 𝘀𝗶𝗰𝗸?

This week, Beau sits down with award-winning elder law attorney Aaron Miller for a real, eye-opening conversation about long-term care planning—and why it’s not just a health issue, but a financial one.

𝗪𝗵𝗮𝘁 𝗬𝗼𝘂’𝗹𝗹 𝗟𝗲𝗮𝗿𝗻:

☑️ The emotional family story that inspired Aaron to leave corporate law and help retirees protect what matters most

☑️ What aging in place really requires, and what it really costs

☑️ The surprising gaps in many estate plans—and how to spot the blind spots before it’s too late

Whether you're caring for aging parents or planning ahead for yourself, this episode is packed with insights to help you build confidence in your future strategy.

Don’t miss it—a powerful, personal, and practical episode that could save your family years of financial stress.

𝗧𝗵𝗲 𝗥𝗶𝗰𝗵𝗟𝗶𝗳𝗲 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗦𝗵𝗼𝘄 𝘄𝗶𝘁𝗵 𝗕𝗲𝗮𝘂 𝗛𝗲𝗻𝗱𝗲𝗿𝘀𝗼𝗻 airs Sunday at 12:30 PM on AM550 WDUN.