Make It Personal Podcast

What if it’s not just how much you earn in retirement, but when you earn it, that makes all the difference?In this episode of Make It Personal, we dive into a critical but often overlooked challenge in retirement planning: Sequence of Returns Risk. Through the real-life stories of Linda and James, two retirees with similar savings and returns, but drastically different outcomes, we explore how timing can either protect or derail your financial future.You’ll learn how market losses early in retirement can create long-term damage, especially when you’re drawing income and selling investments at the wrong time. That’s where Fixed Indexed Annuities (FIAs) come in, tools designed to offer growth tied to a market index while shielding against market downturns, based on contract terms.We break down how FIAs can play a key role in a “bucket strategy” for retirement, offering a stable middle ground in those vulnerable early years. You’ll also hear how optional lifetime income riders can provide predictable income when markets dip, reducing pressure and adding flexibility to your plan.Key Takeaways:→ Sequence of Returns Risk is real, poor market timing early in retirement can shrink portfolios fast.→ FIAs offer downside protection, which can help preserve your assets during market declines.→ Bucket strategies use FIAs for short-to-mid-term needs, buying time for investments to recover.→ Optional income riders can provide steady income, regardless of market performance.→ FIAs come with specific features and costs, so understanding the contract is essential.“It’s not just how much return you earn, it’s when you earn it.” Want to explore whether a Fixed Indexed Annuity fits into your retirement plan? Visit makeitpersonalpodcast.com to connect with an advisor who can walk you through your options, clearly and personally.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

What if your greatest financial breakthrough doesn’t start with more money, but with a better plan?In this inspiring real-life episode of Make It Personal, we meet Martin and Natascha Moore, a couple juggling work-from-home jobs, three young kids, and over $20,000 in credit card debt. Their house was tight, their budget tighter, and their dreams felt just out of reach. But with the right mindset and the right steps, they turned things around, not by winning the lottery, but by building a plan grounded in clarity, protection, and creativity.You’ll hear how this young California family took small but intentional actions to regain control of their finances. From cutting back on everyday expenses to strategically using life insurance and discovering an unexpected income stream, the Moores show us what’s possible when you stop surviving and start planning.This isn’t a story about perfection, it’s a story about progress. It’s about how the right guidance can open doors you didn’t even know were there.Key Takeaways:→ A clear roadmap, even with small steps, can reduce stress and create real momentum.→ Life insurance isn’t just protection; it can also be a long-term planning tool.→ Creative thinking, like short-term rentals, can unlock new income without major lifestyle changes.→ Consistent habits matter more than drastic overhauls.→ You don’t need a perfect financial situation, just the willingness to start.“Sometimes the solution isn’t cutting, it’s creating.” Feeling stuck or unsure where to begin? Visit makeitpersonalpodcast.com for free tools, eBooks, and a way to connect with someone who can help you start your journey, wherever you are.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

In this episode of Make It Personal, we step into a unique perspective: what would I say to my 51-year-old self, not from the view of retirement, but right in the middle of the journey? If you’re in your 40s or 50s and wondering whether you’re really on track, this conversation is for you.Unlike advice from retirees looking in the rearview mirror, this episode speaks from the front lines of real life, career pressure, family responsibilities, and a future that’s still unfolding. We unpack why this decade is not just another checkpoint, but a critical opportunity to act with clarity, intention, and courage.You’ll hear practical steps for maximizing savings, planning proactively for taxes, updating insurance and estate documents, and shifting the focus from chasing "more" to defining "enough." Because at this stage, it's not about chasing perfection, it's about consistent, wise decisions while you still have levers to pull.Key Takeaways:→ Clarity replaces assumptions in your 50s, it’s time to stop thinking “someday” and start planning purposefully.→ Savings rate and automation often matter more than chasing high returns.→ Tax planning now means avoiding surprises later, Roth opportunities and account mix are key.→ Protection shifts focus, from just income to momentum, family, and long-term care needs.→ Defining “enough” on your terms guards your values from being shaped by comparison.“At 51, the most powerful advice isn’t about what you’ve already done, it’s about intentional action while choices still matter.”Want to dig deeper? Download our free eBook “THE GAME OF THE DECADE: Seven Plays for Winning the Most Important Ten Years to Retirement Success” at www.makeitpersonalpodcast.com. And if this episode hit home, subscribe, share, or start a conversation with a trusted advisor today. Your future is too important to leave to chance.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

What if two simple financial concepts could help you bring more clarity, coordination, and confidence to your investment strategy?In this episode of Make It Personal, we’re unpacking two often-confused, but incredibly important, terms in financial planning: asset allocation and asset location. While they may sound alike, these tools serve very different purposes. And understanding how they work together can transform the way you think about your financial future.We begin by breaking down asset allocation, the strategy of dividing your portfolio across asset types like stocks, bonds, and cash to reflect your goals and time horizon. It's not about chasing trends. It's about creating a purposeful framework that helps you stay grounded when markets shift.Then we explore asset location, the strategy of placing different investments in different types of accounts (like Roth IRAs, traditional 401(k)s, or taxable accounts) based on how each is taxed. It’s not about avoiding taxes but about using tax rules to your advantage through thoughtful planning and coordination.To make it personal, you’ll hear a real-life story about opening a Roth IRA for an 18-year-old, and how that simple act illustrates both concepts in action. The bottom line? These two strategies work best together: one tells you what you own, the other tells you where you own it.Key Takeaways:→ Asset allocation is about choosing the right mix of investments based on your goals and timeline.→ Asset location is about placing those investments in the most tax-efficient accounts.→ Both strategies aim to create clarity and discipline in your financial plan.→ Coordination across accounts becomes more valuable as your financial life grows more complex.→ A well-aligned plan considers both structure and placement to support your broader goals.“Two people can own the same investments, but where they’re held makes a big difference in how that money works over time.” If this episode helped clear up confusion or gave you something to think about, subscribe to the podcast, share it with someone you trust, or take a moment to review your own plan. It’s your money, and clarity is power.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Is there a “secret weapon” for retirement income that most people overlook or misunderstand?When it comes to retirement planning, most of us think 401(k)s, IRAs, or market-based investments. But there’s a tool you’ve probably heard of, maybe even avoided, that could play a crucial role in securing your future: annuities. Are they helpful or hype? Simple or overly complex? In this episode of Make It Personal, we’re clearing up the confusion.You’ll learn what annuities really are, how they work, and why they’re so often misunderstood. With clarity and care, we’ll break down the two main types, Income Annuities and Accumulation Annuities, and help you understand when and why they might belong in a retirement strategy. Because, at their core, annuities aren’t magic, they’re contracts. And when used wisely, they can bring predictability and peace of mind to your financial future.We also bust the top three myths that scare people away from annuities and explain why they’re not a one-size-fits-all solution, but a customizable option for those who value structured income, downside protection, and tax-deferred growth.Key Takeaways:→ Annuities are contracts with insurance companies designed to provide retirement income, not investment accounts.→ There are two main categories: Income Annuities (for guaranteed income) and Accumulation Annuities (for growth and optional future income).→ Common myths, like high fees, money being locked up, or only being for retirees, don’t apply across the board.→ Annuities can complement, not replace, other retirement tools like 401(k)s or IRAs.→ Evaluating annuities with a qualified advisor helps match the right product to your personal goals and risk tolerance.“They’re not automatically good or bad, annuities are tools. And tools only make sense when matched to your goals.” If this episode brought clarity to a confusing topic, hit subscribe, share it with a friend, or take 10 minutes to reflect on your retirement goals. Your future deserves it.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Ever wonder if your employer's 401(k) match can grow tax-free like your Roth contributions? You’re not alone, and thanks to a recent law change, the answer might surprise you.In this episode of Make It Personal, we tackle a smart question from Jennifer about how employer contributions work when you’re saving into a Roth 401(k). For years, the rules were straightforward: your contributions could be Roth, but your employer's match? Always pre-tax. But with the SECURE 2.0 Act, the game has changed, and many people don’t realize what’s now possible.Key takeaways:→ Employer matches used to only go into traditional 401(k)s, now they can go into Roth if your plan allows.→ Roth matches are taxed upfront but can grow tax-free, just like your own Roth contributions.→ Many employers haven’t adopted the new option yet, it’s not automatic.→ The tax treatment of your match can have ripple effects on your future income, RMDs, and Medicare costs.→ If Roth matching isn’t available, other tools like Roth IRAs, backdoor Roths, or cash-value life insurance might help.“Retirement planning isn’t just about checking boxes in your 401(k). It’s about understanding your options, and having a strategy when the plan rules don’t give you every tool you want.”If this episode sparked questions about your own plan, hit subscribe and share this episode with a friend. And if you’re ready for a personalized review, reach out to your Mutual of Omaha advisor to design a retirement strategy that fits your future.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

What really happens the day after your last day of work? One retiree opens up about the surprises, joys, and real-life challenges of life after 42 years on the job.Rick gives us a deeply honest look at his first year of retirement, not the highlight-reel version, but the real one. From relearning how to structure his days to facing the emotional shift of losing his professional identity, Rick walks us through the highs, lows, and everything in between. You'll hear what surprised him financially, what kept him grounded, and the two questions he believes everyone should answer before they retire.In this episode, you'll learn:→ Why identity can be harder to let go of than the job itself→ How Rick found purpose (and 70 rounds of golf!) in the first year→ The financial mindset shift from saving to spending→ The unexpected emotional and relational impacts of retirement→ What he’d do differently, and what he’s most excited about for year two“You have to answer two questions: Have you had enough? And do you have enough?”Whether you're years away from retirement or it's right around the corner, this episode is packed with wisdom from someone who's been there.If this episode sparked something in you, share it with a friend or loved one who’s nearing retirement. Then, subscribe and leave a review, it helps others find the show and make their financial future personal.Visit www.makeitpersonalpodcast.com for tools, advisors, and more ways to plan for the retirement you actually want.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

You’re helping everyone, but who’s helping you?If you’re a Gen Xer, you might feel like the glue holding it all together, launching kids, checking in on aging parents, grinding at work, and still trying to save for your own retirement. This episode dives into the invisible load so many Gen Xers carry, and what it’s costing them.In this episode of Make It Personal, we unpack the quiet sacrifices Gen Xers make in the name of love, and how those choices are impacting long-term financial health. Drawing on fresh research from LIMRA and the Alliance for Lifetime Income, we explore how caregiving, financial support for adult kids and parents, and rising healthcare costs are reshaping retirement planning for this unique generation.Key Takeaways:→ More than half of Gen Xers say supporting loved ones is cutting into their own retirement savings.→ Delaying your own financial care could mean needing help later, from the very people you’re supporting now.→ Caregiving isn’t just emotional, it’s a financial wildcard few plan for.→ Planning doesn’t erase emotion, but it does prevent panic.→ Your retirement depends more on predictability than market performance."What would it look like if I cared for myself with the same energy I give to others?"Subscribe now, and if this episode hit close to home, share it with someone walking a similar path. Then journal your own “Make It Personal” moment, what does caring for you really look like?Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

If you're in retirement, or approaching it, you know about Required Minimum Distributions (RMDs). The IRS says you have to start withdrawing money from your retirement accounts. But what if you don’t actually need the money right now? What if it feels more like a tax trap than a reward for decades of saving? You're not alone, and you’re not stuck.In this episode of Make It Personal, we tackle the often-confusing world of RMDs with a refreshing mindset shift: what if these “required” withdrawals could actually work for you? Host Mark Zagurski breaks down eight clear, actionable strategies to put your RMD money to smart, purposeful use, whether you're focused on legacy, giving, or simply staying tax-efficient.In this episode, you’ll learn how to:→ Reinvest RMDs in a taxable account to stay in control of your tax bill→ Use RMDs to fund a Roth IRA, and why that’s a legacy game-changer→ Make charitable donations that reduce your taxes and boost your impact→ Gift money in tax-smart ways to support loved ones or big milestones→ Leverage RMDs for long-term care or insurance planning with purpose“The IRS may require you to take the money out, but what you do with it is entirely your choice.”Listen now and take one small step toward a retirement that’s not just secure, but meaningful.Don’t forget to subscribe, share with a friend facing their own RMD questions, and journal one strategy that feels right for you.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Roth or traditional: how do you choose? If you've ever wondered when it's time to shift from a traditional 401(k) to a Roth, you're not alone. In this listener-led episode of Make It Personal, we tackle a smart, real-life question from Nicholle about taxes, timing, and how to plan ahead for retirement without getting stuck in a higher tax bracket down the road.In this episode, you’ll learn:→ The core difference between Roth and traditional 401(k)s→ When future taxes could outweigh today’s tax savings→ How RMD age changes impact your long-term tax planning→ Why your total income picture matters more than rules of thumb→ The value of pairing good content with personalized advice"AI can educate you. Content can guide you. But an advisor helps you apply it to your life."Got a money question? Send it in to makeitpersonal@mutualofomaha.com or comment wherever you're listening. And if you're ready to see how this applies to your future, connect with a Mutual of Omaha advisor at www.makeitpersonalpodcast.com. Don’t just learn - Make It Personal.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

You planned, saved, and sacrificed for decades, so why is spending in retirement so hard?After a lifetime of discipline and diligent saving, retirement arrives… and with it, an unexpected emotional hurdle: switching from saving to spending. Not because the numbers don’t add up, but because the mindset does. In this episode of Make It Personal, we dive deep into one of retirement’s most overlooked challenges: the emotional transition from wealth-building to wealth-using.In this episode, you’ll learn:→ Why spending after decades of saving triggers anxiety, even when you’re financially prepared→ How your identity as a saver can make it hard to embrace retirement freedom→ The “battery” analogy that helps reframe the role of your savings→ Four proven strategies to move from fear to confidence→ Why purposeful spending is the next chapter of disciplined livingConnect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

They did it, the Bridstons paid off their home in Southern California. No loan. No mortgage. Just freedom.But what happens after the big goal is reached? In this episode of Make It Personal, we explore the surprising truth about life after paying off your house, and why the hardest (and most important) financial planning starts after the last payment.What You’ll Learn / Highlights→ Why financial freedom isn’t the same as financial finish line→ The hidden costs that remain even after your home is paid off→ The blind spots most families miss: life insurance, disability coverage, and education planning→ How to prepare for the three phases of retirement: Go-Go, Slow-Go, and No-Go years→ How to avoid sequence of returns risk and plan for sustainable retirement incomeConnect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

What if the things that make us feel good right now are quietly stealing our future joy?From one-click purchases to endless scrolling, we’re surrounded by temptation, and it’s costing us more than we realize. In this episode of Make It Personal, we uncover “The Instant Gratification Trap”, and how to build real peace, patience, and purpose in a world that’s always chasing “now.”What You’ll Learn / Highlights→ Why your brain is wired to crave instant rewards (and how to retrain it)→ The real cost of “quick comfort”, in time, focus, and money→ 3 practical tools to break the cycle: The 10-Minute Rule, mindful consumption, and vision anchoring→ How to balance joy today with peace of mind tomorrow→ A healthier approach to discipline that still leaves room for funConnect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

If your money could work for you while you sleep, would you let it?In this episode, you’ll learn how to start investing, even if you’ve never bought a single stock or still think you’re “bad with money.” This is your beginner-friendly roadmap to build wealth confidently, one simple, personal step at a time.What You’ll Learn / Highlights→ Why saving alone rarely builds wealth, and how compounding does (investing for beginners)→ Which account to use first (401(k) match), and when to choose Roth IRA, Traditional IRA, or a brokerage→ The owner mindset vs. trader mindset—why “own great companies” wins long term→ Common rookie mistakes (chasing hot sectors) and how to avoid panic during volatilityConnect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Want to retire together on your timeline and still build generational wealth? This episode breaks down a real couple’s plan, cars, handbags, pension choices, and all, to show exactly what works. For professionals who earn well but want a coordinated retirement plan that actually lasts.What You’ll Learn / Highlights→ The simple math behind a 7-year retirement target, and why “savings only” falls short.→ How to shift from high-yield saving to true ownership (investing with purpose vs “dabbling”).→ The hidden risk of single-life pension choices and how to protect a younger spouse.→ Why estate documents (will/trust) are step zero for generational wealth.→ The “protection stack” that makes a plan self-completing (life, DI, LTC)Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Financial stress isn’t “just in your head”, it’s your brain doing ancient survival work in a modern money world. In this episode, biologist and author Dr. Rebecca Heiss breaks down the science of financial stress and how to retrain your mind for calmer, smarter decisions. For anyone who’s ever felt that knot-in-your-stomach money moment, this one’s for you.What You’ll Learn / Highlights→ Why your brain treats money threats like physical danger (and how to disarm it)→ The stress loop: signs you’re stuck in fight/flight with your finances—and how to break it→ Practical “retrain the brain” habits for calmer spending, saving, and investing→ How social/media comparison (FOMO + “keeping up with the Joneses”) hijacks decisions→ A simple language shift to stop “should-ing” on yourself and reduce money shame→ Why human nature is a failed investor, and how to outsmart it with process→ Dr. Heiss’s personal aha: living for today while planning for tomorrow (kids, legacy, future)If this helped you, please like, subscribe, and leave a review. It helps more people make their money, and their legacy, personal.Brought to you by Mutual of Omaha Advisors: It’s your money, your plan, your future.Connect with Dr. Rebecca Heiss:→ www.rebeccaheiss.com→ instagram.com/drrebeccaheiss→ twitter.com/drrebeccaheiss→ facebook.com/drrebeccaheiss→ linkedin.com/in/rebeccaheiss→ fearlessmasterclass.comConnect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

How Do Lower Interest Rates Actually Affect You?Ever heard the news say, “The Fed cut rates,” and wondered what that means for your everyday life? This episode breaks it all down, no jargon, no confusion, just real talk about how the Federal Reserve’s decisions affect your mortgage, credit cards, and even your savings account.In Episode 45 of the Make It Personal Podcast, we dive into what “Fed loosening” actually looks like on the ground. From cheaper home loans to smaller credit card bills, and yes, even changes to your rent, we’ll walk you through what to expect and how to take advantage. Whether you're buying your first home, tackling credit card debt, or trying to grow your savings, this episode helps you turn a headline into a helpful next step.Here’s what you’ll learn:→Why adjustable-rate mortgage holders should pay close attention to Fed moves→How renters might benefit in the long run when rates go down→The one downside to falling rates, and how to offset it→Three practical financial moves you can make this week→How even small rate changes can lead to big savings over time"Even a quarter-percent drop in rates could mean dinner out with the family, or a weekend getaway. That’s real money, real fast." - Mark ZagurskiReady to act? Start by reviewing your debts, comparing mortgage offers, and checking if your savings could earn more elsewhere. Then share this episode with a friend who needs to hear it. Subscribe, leave a review, and visit makeitpersonalpodcast.com for more tools to make your money, and your legacy, personal.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

What if the secret to becoming a millionaire has nothing to do with luck, and everything to do with daily, quiet decisions?Here’s the truth: most millionaires don’t look like the ones you see on social media. No flashy sports cars, no massive mansions, and no viral success stories. About 80% of millionaires are self-made, and they’ve built wealth by following simple, repeatable habits that anyone can start today.In this episode of Make It Personal, we’re diving deep into the real routines and mindsets of everyday millionaires. From driving modest cars to avoiding debt like the plague, these habits might seem boring, but they work. And the best part? You don’t need a six-figure income to get started.We’ll explore the power of small, consistent actions: budgeting that brings freedom, saving for opportunity, not just emergencies, and protecting your time like the valuable asset it is. Whether it’s starting a side hustle or reading 30 minutes each morning, these habits compound in surprising ways.5 Key Takeaways:→Wealth is built on consistency, not charisma.→Most millionaires avoid debt and live below their means.→A budget isn’t a restriction—it’s a roadmap to freedom.→Investing in yourself pays the biggest dividends.→Delayed gratification is a superpower worth mastering.“Your fortune isn’t built in a day. It’s built daily.” - Mark ZagurskiIf you’re ready to take control of your financial future, start with just one habit. And don’t do it alone, schedule a free consultation at www.makeitpersonalpodcast.com. Subscribe, leave a review, and share this episode with someone who’s ready to build a quiet legacy of wealth.Make it personal- it’s your money, your plan, your future.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Is your legacy something you’re building... or something you’re hoping will just happen?Most people say they want to leave a legacy. But here’s the hard truth: nearly 70% never take steps to define what that means for them, or put a plan in place to make it happen. In this episode of Make It Personal, we’re challenging the narrow idea that legacy is just about money. Because when you pause and ask, “What do I want to be remembered for?”, the answer usually isn’t a dollar amount. It’s impact.We’ll walk through real-life stories that show how ordinary people are building extraordinary legacies, from a teacher funding her favorite animal shelter, to a couple supporting their church while securing their retirement. Whether you’re mid-career, facing retirement, or simply reflecting on the next chapter of your life, this conversation will help you take meaningful steps toward a legacy that reflects your values, not just your bank account.Here’s what you’ll learn:→Why legacy isn’t just financial, it’s personal and emotional→How to identify the causes and values that define your legacy→Practical tools like Donor-Advised Funds and Charitable Remainder Trusts→How to align your estate plan with your long-term impact goals→The ripple effect of sharing your giving story with your family"Legacy isn’t just what you give, it’s what you stand for." - Mark Zagurski This week’s challenge: Take five minutes to write down one cause that speaks to your heart, and one simple way you can support it. Because your legacy starts with your next intentional step. Like what you heard? Subscribe, share, and leave a review. Then visit makeitpersonalpodcast.com to download free resources or connect with an advisor who can help you build a legacy with purpose.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

We say we want to protect our families. So why don’t we feel ready to? 9 out of 10 Americans feel a deep responsibility to protect their loved ones, but only 2 in 10 believe they’re financially prepared to do it. That disconnect is more than just a stat, it’s a wake-up call. In this episode of Make It Personal, we get honest about the gap between good intentions and real-life readiness, and how to close it, starting today.Host Mark Zagurski pulls back the curtain on Mutual of Omaha’s latest Protection Index Report, revealing what’s really holding families back from feeling secure. You’ll hear how rising costs, uncertain futures, and a lack of clear guidance are leaving millions stuck in the middle, not in crisis, but far from confident. But it doesn’t have to stay that way.Whether you’re a single parent, a retiree, or just trying to make ends meet, this episode offers hope, and practical next steps. Mark walks you through four proven actions anyone can take to shift from fear to freedom, including simple habits, honest conversations, and why it might be time to sit down with an advisor (no matter your income level).In this episode, you’ll learn:→ Why 77% of Americans feel unprepared to protect their families→ The biggest fears around medical emergencies and long-term care→ How income and gender affect financial confidence→ The “middle ground” mindset, and how to escape it→ Four next steps to start building financial peace of mind today“Intentions aren’t enough. We want to protect our families. But too many of us don’t believe we actually can, and that gap creates stress, anxiety, and inaction.” -Mark ZagurskiTake 5 minutes to visit makeitpersonalpodcast.com. Use our free Financial Fitness Calculator, download helpful resources, or connect with an advisor who gets it. And if this episode encouraged you, share it, subscribe, and help others take that first step too.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting→ ⁠Mutual of Omaha Protection Index Report --Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.