TaylorMade Retirement with Taylor Demars, CFP®

Welcome to TaylorMade Retirement! Featuring Taylor Demars, a 3rd-generation financial advisor and CFP®, this podcast explores what it really takes to build a retirement that works- for your money and your life. Each episode breaks down strategies, stories, and steps to help listeners approach retirement with clarity and confidence. From cutting taxes to avoiding common retirement traps, Taylor draws on decades of family expertise to make complex financial ideas easy to understand. Because life should shape your money, not the other way around.

TaylorMade Retirement with Taylor Demars, CFP® is a business podcast hosted by Taylor Demars, CFP®, with 71 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Taylor Demars, CFP® hosts TaylorMade Retirement with Taylor Demars, CFP®, a business show with 71 episodes published.

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  TaylorMade Retirement with Taylor Demars, CFP®

  The Fear of Running Out of Money in Retirement

  Aug 18, 202618 min

  Work with Taylor: https://taylor-demars.showrunner.one/r/7a25a8f6cb18 One of the biggest challenges in retirement isn't building wealth—it's feeling confident enough to use it. The fear of running out of money retirement is incredibly common, and it often affects people who have saved diligently for decades. Even financially secure retirees can struggle with retirement psychology, making it difficult to enjoy the lifestyle they've worked so hard to achieve. In this episode, Taylor explains why retirement spending fear is so powerful, why so many people are too scared to spend retirement savings, and how retirement anxiety can quietly reduce the quality of life. He also explores how a retirement identity crisis develops after leaving a career, why many people remain stuck in a retirement accumulation identity, and what it takes to make a healthy retirement mindset shift. He'll break down practical approaches to retirement portfolio spending, discuss how to give yourself retirement permission to spend, and share the Richard and Ellen retirement case study to demonstrate how these emotional and financial challenges play out in real life. We'll also cover the retirement fear of markets, explain the research behind the retirement spending smile, and discuss why spending patterns naturally change throughout retirement. If you've ever wondered whether you can retire with 4 million, or you're dealing with retirement savings anxiety, this episode will help you separate emotions from facts. He'll explain why using wealth while you have health is such an important retirement principle, how to overcome retirement spending guilt, and why understanding retirement fear vs plan can lead to better financial decisions and greater peace of mind. We'll also discuss retirement couples' money conflict, including why spouses often have different comfort levels with spending, and review the latest retirement spending research to understand why many retirees consistently underspend—even when their financial plan shows they can safely spend more. If you're approaching retirement, already retired, or helping someone prepare for this next chapter, this episode will give you practical insights to help you spend with greater confidence while staying financially secure. Resources: Website: https://www.demarsfinancial.com/ Phone: (509) 536-9556 Schedule an introduction call with Taylor: https://bit.ly/demarspodcast Check out Taylor's YouTube Channel : https://www.youtube.com/@TaylorMadeRetirement Taylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0e Disclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

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  TaylorMade Retirement with Taylor Demars, CFP®

  Retired, But Still Clocking In — Why?

  Aug 13, 202614 min

  Retirement doesn’t always mean walking away from work for good. For some people, continuing to clock in provides purpose, structure, connection, or simply a little extra confidence about what comes next. In this episode, Taylor explores why people often keep working beyond the traditional retirement age and how a well-built retirement plan can help separate the things you want to do from the things you feel you have to do. Here’s what we discuss in today’s show: Work can provide connection, routine, and a sense of purpose Money worries can make working longer feel like the safer choice Retirement can create a major adjustment in your home life Income, taxes, healthcare, and Social Security all work together ✅ A strong plan can help make work optional instead of necessary Resources: Website: https://www.demarsfinancial.com/ Phone: (509) 536-9556 Schedule an introduction call with Taylor: https://bit.ly/demarspodcast Check out Taylor's YouTube Channel : https://www.youtube.com/@TaylorMadeRetirement Taylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0e Disclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

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  TaylorMade Retirement with Taylor Demars, CFP®

  My Honest Advice To Anyone Retiring With $2M+

  Aug 11, 202621 min

  My Honest Advice To Anyone Retiring With $2M+ Work with Taylor: https://www.demarsfinancial.com/start-here Retiring with $2 million or more can create incredible opportunities—but it also comes with important financial decisions that can have a lasting impact on your lifestyle, taxes, and legacy. If you're thinking about retiring with 2 million or wondering how to retire with 2 million, this episode walks through the key decisions Taylor believes matter most before and after retirement. He explains how to build a sustainable 2 million retirement strategy by creating a reliable retirement income plan and focusing on smart retirement income planning. You'll learn how to structure your retirement paycheck, think through retirement spending, and understand how much to retire with confidence based on your own goals rather than someone else's expectations. He also covers advanced planning topics that can make a meaningful difference over time, including retirement tax planning, the ideal withdrawal order retirement strategy, making the most of the Roth conversion window, and avoiding unnecessary taxes and penalties. He'll discuss social security timing, how the survivor benefit social security rules work, ways to avoid the IRMAA Medicare surcharge, and what to know about the ACA subsidy cliff if it applies to your situation. Beyond taxes and investments, he talks about sequence of returns risk, why retirement coordination is so important, evaluating a pension election, handling deferred compensation, and understanding the go go slow go no go years framework so your financial plan matches how retirement typically evolves over time. He also explains why giving yourself permission to spend retirement savings can be just as important as building wealth in the first place. Whether you're planning a high net worth retirement or simply want a smarter approach to protecting and enjoying your savings, this video will help you make more informed decisions and avoid common retirement mistakes. Timestamps: 00:00 - Intro 01:00 - Advice 1: Your Math Isn't The Problem Anymore 04:23 - Advice 2: Nobody Around You Is Built For This Moment 08:03 - Advice 3: You Money Must Work As One System 12:10 - Advice 4: The First 3 Years Are Everything 16:03 - Advice 5: Your Biggest Threat Is Looking Back At You Resources: Website: https://www.demarsfinancial.com/ Phone: (509) 536-9556 Schedule an introduction call with Taylor: https://bit.ly/demarspodcast Check out Taylor's YouTube Channel : https://www.youtube.com/@TaylorMadeRetirement Taylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0e Disclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

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  TaylorMade Retirement with Taylor Demars, CFP®

  The 5 D's of Retirement Planning

  Aug 6, 202613 min

  Based on a recent article from Kiplinger, there are five keys to a retirement plan that actually holds up over time. They all happen to start with the same letter — which either means it's a great framework or someone really wanted it to work out that way. Taylor explores how these five areas provide a practical framework for evaluating the strength and sustainability of your retirement strategy. How well does your plan address all five? Here’s what we discuss in today’s show: Diversification: Build income across multiple tax buckets ⏳ Duration: Plan for money to last ️ Downside Protection: Prepare for early retirement losses Discretionary Income: Understand your true lifestyle spending ⚓ Return Drag: Reduce taxes, fees, and idle cash How to Turn a $1 Million Nest Egg Into a Lifetime Income Machine https://www.kiplinger.com/retirement/retirement-plans/how-to-turn-a-usd1-million-nest-egg-into-a-lifetime-income-machine Resources: Website: https://www.demarsfinancial.com/ Phone: (509) 536-9556 Schedule an introduction call with Taylor: https://bit.ly/demarspodcast Check out Taylor's YouTube Channel : https://www.youtube.com/@TaylorMadeRetirement Taylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0e Disclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

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  TaylorMade Retirement with Taylor Demars, CFP®

  Just Retired at 63? It's the Most Dangerous Year of Your Financial Life - Here's Why

  Aug 4, 202614 min

  Get started on your retirement strategy here: https://www.demarsfinancial.com/start-here?utm_source=Youtube&utm_medium=Videolink&utm_campaign=46210 The Retire Once Guide (free) — find out whether you're actually ready to pull the trigger: https://www.demarsfinancial.com/retire-once-guide Master your first year of retirement by navigating crucial financial decisions. Learn how to manage income and taxes to avoid costly mistakes. The first year of retirement is a critical period that sets the foundation for your long-term security. This episode focuses on five major decisions that converge during this time, specifically designed for those approaching or currently in the transition phase. We break down the complexities of retirement financial planning to help you organize your affairs effectively. We examine how to identify and structure your retirement income sources while managing the tax implications of withdrawals and conversions. You will learn the importance of planning for tax payments early to ensure your cash flow remains consistent. By listing all expected financial events that impact your tax returns, you can avoid surprises and keep more of your savings. Implementing a solid retirement tax strategy now provides clarity for the years ahead. This guide offers the framework you need to coordinate these moving parts successfully. Timestamps: 0:00 Why year one is the "takeoff" 0:46 The five decisions and the one question connecting them 1:19 The switch: your paycheck stops, your portfolio starts 1:52 The one thread running through all five 2:07 Decision 1: Social Security timing (the hardest to walk back) 3:33 Decision 2: Where your new paycheck comes from 5:04 Decision 3: Medicare premiums that follow your income 5:44 What happened to David (the IRMAA example) 7:24 How we help couples coordinate this 7:33 Decision 4: Paying your own taxes in retirement 9:03 Decision 5: The Roth conversion window 10:56 Why all five are really one decision 11:26 The year-one checklist (order of operations) 12:13 The yellow flag and the red flag 12:54 How to book a call Resources: Website: https://www.demarsfinancial.com/ Phone: (509) 536-9556 Schedule an introduction call with Taylor: https://bit.ly/demarspodcast Check out Taylor's YouTube Channel : https://www.youtube.com/@TaylorMadeRetirement Taylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0e Disclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

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