Dime to Diamonds

The Retirement Planning Gaps Hidden Inside Target Date Funds

Tue, 18 Aug 2026 08:00:00 +0000

Could a "one-size-fits-all" retirement strategy leave important gaps in your income and healthcare planning? In this episode, Suzanne Porske and her Tax Partner Rachelle Harp examines target date funds, retirement income options, and the importance of building a personalized plan around longevity, taxes, healthcare costs, and lifestyle goals. The conversation also explores Medicare enrollment decisions, differences between Medicare Advantage and supplemental coverage, and how healthcare expenses can impact retirement cash flow. Plus, Suzanne shares why retirees should focus on giving every dollar a specific purpose and preparing for the realities of life after work.

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The Great Wealth Shift: What Happens After the Baby Boom?

Tue, 11 Aug 2026 08:00:00 +0000

What happens when the generation that spent decades building wealth starts shifting its focus to preserving, distributing, and passing it on? Suzanne Porske and her Tax Partner Rachelle Harp explores how retiring baby boomers, growing female control of wealth, and longer life expectancies are influencing retirement and investment conversations. The discussion covers generational wealth, charitable giving strategies, inheritance planning, annuities, taxes, and the challenges of turning retirement savings into sustainable income. Suzanne also reflects on the role fear can play in financial decisions and why retirement planning often starts with defining what matters most beyond money.

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Can You Afford to Rely on Social Security Alone?

Tue, 04 Aug 2026 08:00:00 +0000

What if the biggest threat to your retirement isn’t market volatility, but relying on systems you can’t control? Suzanne Porske and her Tax Partner Rachelle Harp discusses concerns about the future of Social Security, why retirement confidence starts with focusing on factors within your control, and the importance of planning for taxes, healthcare, income, and housing costs. The conversation also explores Medicare pitfalls, the financial impact of inheritance and home sales, and why major life decisions require a comprehensive strategy. Plus, Suzanne shares her perspective on the growing use of AI in financial planning and where human guidance still matters most.

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Can You Trust Your Savings Enough to Leave the Workforce?

Tue, 28 Jul 2026 08:00:00 +0000

What if the biggest challenge in retirement isn’t money, but trusting yourself to make the transition? Suzanne Porske and her Tax Partner Rachelle Harp explore the emotional and financial realities of moving from a paycheck to retirement income. The conversation covers retirement readiness, Social Security concerns, Medicare costs, tax implications, and why retirement planning should be customized to each family’s goals. Suzanne also explains how organizing finances, evaluating different income sources, and understanding long-term consequences can help individuals make informed decisions about when and how to retire.

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Tomorrow Isn’t Promised: Are You Waiting Too Long for Retirement?

Tue, 21 Jul 2026 08:00:00 +0000

What if the biggest risk to your retirement isn’t your savings balance, but waiting too long to enjoy the life you’ve worked for? Suzanne Porske and her Tax Partner Rachelle Harp discuss why retirement success is about having a plan, not chasing a magic number. They share personal stories about unexpected life events, the importance of financial organization, and how market volatility, inflation, and emotional investing can impact retirement. The conversation highlights stress-testing retirement strategies, simplifying accounts, and creating a plan that can adapt when life changes.

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The Birth Rate Problem Nobody Is Connecting to Social Security

Thu, 02 Jul 2026 18:00:00 +0000

Could a declining birth rate reshape the future of Social Security faster than most people realize? Suzanne Porske and her Tax Partner Rachelle Harp explores how demographic trends may impact Social Security, why relying on a single retirement income source can create risk, and the importance of building income you can control. The conversation also takes a candid look at long-term care, caregiver burnout, and the emotional and financial realities families face when health challenges arise. Suzanne shares personal experiences, discusses retirement planning considerations, and highlights the value of having difficult conversations about future care needs before a crisis occurs.

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Retirement Isn’t a Sprint—So Why Are So Many Running Without a Plan?

Tue, 16 Jun 2026 16:05:00 +0000

Retirement feels like a race—but many reach the starting line without a plan for the pace. This episode explores how income planning turns savings into a steady paycheck while addressing sequence of returns, inflation, and tax strategy. Suzanne Porske and her Tax Partner Rachelle Harp discuss early retirement tax “windows,” Social Security timing, Medicare costs, and required minimum distributions. They also highlight how healthcare choices and inflation quietly shape long-term outcomes. With a focus on proactive planning, the conversation centers on building a flexible retirement roadmap that aligns spending, longevity, and lifestyle expectations.

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Is Your 401(k) Setting You Up—or Letting You Down?

Tue, 09 Jun 2026 14:55:00 +0000

Is the 401(k) failing the very retirees it was meant to support? Suzanne Porske and her Tax Partner Rachelle Harp examine why traditional strategies like the 60/40 portfolio and heavy bond allocations may fall short in today’s environment. She highlights the importance of shifting from accumulation to distribution, building income plans, managing tax exposure, and understanding Medicare costs. Real-life scenarios reveal how overlooked details—from unused annuity fees to coverage gaps—can create ripple effects on retirement outcomes. The conversation centers on education, proactive planning, and aligning financial decisions with real-life needs as retirement approaches.

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TSPs, Medicare, and Fees—What’s Really Going On?

Tue, 02 Jun 2026 08:00:00 +0000

Confused by TSPs, Medicare, and hidden fees quietly draining your retirement? Suzanne Porske and her Tax Partner Rachelle Harp break down how to better manage TSP funds, simplify Social Security and Medicare decisions, and uncover the true cost of investment fees. They discuss why many investors feel stuck in workplace plans, how to approach rollovers and Roth strategies, and the importance of a clear, holistic financial plan. With real-world examples and straightforward explanations, this episode highlights how clarity, education, and personalized guidance can help make complex retirement decisions easier to understand.

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What Mar-a-Lago Taught Us About Financial Planning

Wed, 27 May 2026 15:30:00 +0000

Retirement planning takes center stage after a high-profile conversation with Donald Trump Jr. sparks a deeper look at what really drives financial security. Suzanne Porske and her Tax Partner Rachelle Harp unpack how income strategy, tax efficiency, and longevity assumptions can shape outcomes, especially when converting savings into reliable income. They explore why focusing only on accumulation falls short, how evolving tax laws impact retirees, and where DIY approaches often break down. The discussion highlights the importance of coordination—income, healthcare, and taxes working together—while addressing common fears like running out of money or underspending during retirement.

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Why a 40-Year Retirement Changes Everything

Wed, 20 May 2026 21:05:00 +0000

A 40-year retirement is no longer hypothetical—it’s reshaping how financial plans need to work. Suzanne Porske and her Tax Partner Rachelle Harp explore why outdated assumptions can leave retirees exposed, and why flexibility, income strategy, and healthcare planning now matter more than any “magic number.” The conversation highlights hidden risks like long-term care gaps, inflation, and lack of organization, while also examining real-life scenarios families face when plans fall short. Plus, a closer look at Roth strategies reveals how simple tactics can carry complex tax consequences. It’s a practical discussion on building a strategy that adapts to longevity, market shifts, and life’s unexpected turns.

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Why Retirees Are Looking at Annuities Differently Than Ever

Tue, 12 May 2026 19:25:00 +0000

Why are more retirees reconsidering annuities after years of skepticism? On this episode, the conversation centers on how fear has shifted from market volatility to the risk of outliving income. The discussion explores why annuities are being reexamined, how modern options differ from outdated perceptions, and where income timing, taxes, Medicare IRMAA, and long-term care considerations can intersect. Suzanne Porske and her Tax Partner Rachelle Harp, break down common mistakes tied to emotional financial decisions, mismatched income streams, and overlooked retirement assets, while emphasizing education, clarity, and personalized planning rather than one-size-fits-all solutions.

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Dime to Diamonds Podcast Trailer

Tue, 12 May 2026 14:51:05 +0000

Unlock the secrets to financial success, generosity, and making impactful decisions with the Dime to Diamonds podcast.

Hosted by Suzanne Porske, this show is your go-to resource for navigating the world of holistic financial planning, charitable giving, financial organization, and the power of smart decision-making. Whether you’re an individual or a business owner, Suzanne shares valuable insights on how to build a secure financial future while staying true to your mission and purpose. If you’re looking to maximize your wealth, plan for the future, or create lasting change in your community, you’re in the right place!

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Protecting Retirement Income During Market Volatility: The 3 Bucket Strategy

Tue, 05 May 2026 14:17:49 +0000

Market volatility and political uncertainty can derail retirement plans—without the right protection. In this episode of Dime to Diamonds, Suzanne Porske explains why retirees risk the most when they’re forced to sell during market downturns. She breaks down the three‑bucket strategy—short‑term protection, income layering, and long‑term growth—to help create predictable retirement income. The conversation also covers Social Security timing, RMDs, Medicare IRMAA, and proactive tax strategies to help retirees stay confident and avoid costly mistakes.

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FOMO, YOLO, or JOMO? Finding Joy—and Strategy—in Retirement

Tue, 05 May 2026 14:16:44 +0000

Are fear or emotions driving your retirement decisions? In this episode of Dime to Diamonds, Suzanne Porske explains FOMO, YOLO, and why JOMO—the Joy of Missing Out—may be the smartest approach to retirement. Suzanne discusses retirement income strategies, Social Security decisions, market volatility, and emotional spending, while addressing key issues in women & retirement and widow planning. This conversation goes beyond the numbers to focus on time, purpose, and financial peace of mind. If you’re concerned about running out of money—or time—this episode helps you build confidence and clarity in retirement.

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From Dime to Diamonds: Suzanne Porske’s Story of Resilience & Financial Empowerment

Tue, 05 May 2026 14:14:36 +0000

On this episode of Dime to Diamonds, Suzanne Porske of Phoenix Financial Group shares the powerful story behind her name, her mission, and her resilience. From surviving a life‑altering car accident to rebuilding her life after leaving an abusive marriage with just ten cents, Suzanne explains how those experiences shaped her passion for financial education and empowerment—especially for women. She also breaks down key retirement planning issues, including taxes, Social Security, and income strategies, and how the right plan can help you keep more of what you’ve earned. This is an inspiring and practical conversation about resilience, education, and financial confidence.

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