Your Money Radio Show

The Your Money Radio Show explores how parents and grandparents can help young people build financial literacy and stronger money habits. Bruce Helmer and Peg Webb discuss findings from Wealth Enhancement’s First Dollar Survey, including concerns about impulse purchases, overspending, budgeting, online scams and the value of introducing saving and compound growth at an early age. They also explain how family conversations, core values and positive examples can make financial education more practical and engaging. Listener questions broaden the conversation to inherited IRA rules, investment options for children with earned income, Roth IRA eligibility and how time horizon can influence investment decisions. Bruce and Peg also address what it means for a financial advisor to act as a fiduciary, including the role of regulators and the importance of recommendations that consider each client’s circumstances. To learn how Wealth Enhancement can help you build a financial plan around your goals, schedule a complimentary consultation at https://www.wealthenhancement.com/request-a-meeting.

On this episode of the Your Money Radio Show, Bruce Helmer, joined by guest host Josh Wheeler, explores 10 smart moves to make before retirement and explains how thoughtful preparation can help retirees feel more confident about their financial future. Listeners will learn why retirement should be viewed as a new beginning rather than a finish line, and how planning ahead can support both lifestyle goals and long-term financial security. Bruce discusses key retirement planning topics including defining retirement goals, maximizing retirement savings, building an adequate emergency fund, preparing an investment portfolio for retirement income and risk management, creating tax-efficient withdrawal strategies, and making informed decisions about Social Security and pensions. He also covers healthcare planning before and after Medicare eligibility, managing debt, reviewing life insurance needs, and the importance of legacy and estate planning. The episode concludes with listener questions about Roth IRA contributions, inherited IRA required minimum distributions, and investment options within retirement plans. To learn how Wealth Enhancement can help you build a financial plan around your goals, schedule a complimentary consultation at https://www.wealthenhancement.com/request-a-meeting.

The Your Money Radio Show focuses on the role of life insurance in comprehensive financial planning and why it is often an overlooked part of protecting loved ones and building a long-term financial strategy. With Bruce Helmer joined by host Susie Jones, the discussion explores how life insurance can help replace lost income, support surviving family members, fund future goals, and serve as a legacy planning tool. Bruce also begins the program by clarifying a Roth IRA inheritance rule discussed on a previous episode. Throughout the show, Bruce explains the differences between term and permanent life insurance, how cash value life insurance works, and why life insurance may remain valuable even after retirement planning goals have been met. Listeners hear examples of using life insurance for wealth transfer, estate planning, charitable giving goals, and tax-efficient legacy strategies. The episode also answers audience questions about variable universal life insurance, taxation of policy benefits, determining how much coverage is appropriate, and whether older individuals should maintain or replace existing policies. To learn how Wealth Enhancement can help you build a financial plan around your goals, schedule a complimentary consultation at https://www.wealthenhancement.com/request-a-meeting.

This episode of the Your Money Radio Show focuses on retirement planning and the transition from earning a paycheck to creating sustainable retirement income. Bruce Helmer, founder of Wealth Enhancement and financial advisor, explains how individuals can estimate retirement expenses, identify reliable income sources such as Social Security and pensions, and develop a flexible cash flow strategy that can adapt as life circumstances change. He also discusses the importance of diversification, tax-aware withdrawal strategies, and Wealth Enhancement’s “smart money” approach to determining which assets to draw from during retirement. The conversation also explores how retirees can prepare for market volatility by maintaining a mix of short-term and long-term investments, drawing lessons from the 2008 financial crisis and other market downturns. In addition, Bruce answers listener questions about deciding when to retire, the future of Social Security, Minnesota taxes, estate planning, wills versus trusts, probate, and the importance of reviewing beneficiary designations as part of a comprehensive financial plan. To learn how Wealth Enhancement can help you build a financial plan around your goals, schedule a complimentary consultation at https://www.wealthenhancement.com/request-a-meeting.

In this listener-driven episode of the Your Money Radio Show, Bruce Helmer, founder of Wealth Enhancement, answers a wide range of audience questions covering retirement accounts, Roth IRAs, Social Security, and working with a financial advisor. Bruce explains how financial advisors are compensated, the importance of transparency and fiduciary responsibility, and how investors can evaluate whether they are receiving value from an advisory relationship. He also discusses retirement account rollover options, including 401(k)s, PERA plans, and IRAs, along with the factors to consider when deciding whether to consolidate accounts. A major focus of the episode is Roth IRA planning, including the differences between Roth contributions and Roth conversions, how tax brackets and Medicare premiums can affect conversion decisions, and why Roth accounts can play an important role in retirement planning and wealth transfer strategies. Bruce also addresses inherited IRA rules, required minimum distributions, Social Security survivor and divorce benefits, legacy planning considerations, and tax implications for beneficiaries. The conversation provides practical insights into retirement income, tax strategies, Social Security, estate planning, and comprehensive wealth management. To learn how Wealth Enhancement can help you build a financial plan around your goals, schedule a complimentary consultation at https://www.wealthenhancement.com/request-a-meeting.

Bruce Helmer and Peg Webb discuss what to consider when deciding when to claim Social Security, including taxes, spousal benefits, and retirement goals. They also explain what the projected 2032 shortfall could mean for your benefits.

There are many good reasons to use a financial advisor. But you need to be clear-eyed about how to work with them and know how they’re compensated.

This week, Allison Tully, Senior Portfolio Consultant at Wealth Enhancement, joins the show to discuss where the markets may be heading and what that might mean for investors.

Join Bruce to discuss how major life events can preserve or accidentally destroy retirement tax savings and advantages.

Tune in to hear Bruce discuss the different savings account options available for children—including Trump Accounts, 529 plans, custodial IRAs, and UGMA/UTMA accounts—and how parents can choose the right option based on their family's financial goals.

Bruce and Peg share real-life financial planning examples, covering topics like retirement income, taxes, Social Security, and Medicare to show how thoughtful planning can help people make smarter financial decisions.

For many retirees, travel is a top priority. On this week's episode, hosts Bruce Helmer and Peg Webb take on how to create lasting memories and meaningful experiences without adding financial stress.

Hosts Bruce Helmer and Peg Webb open the lines to listener questions.

Buying a home has always been one of the biggest financial decisions people make. But buying a home in 2026 looks very different than it did even just a few years ago.

A wedding is one day. Building a financial life together can last decades. Engaged couples should approach marriage as the beginning of a shared financial partnership.

Hosts Bruce Helmer and Peg Webb open the lines to questions from listeners.

Inflation has dominated headlines lately; Peg Webb discusses affordability pressure.

Hosts Bruce Helmer and Peg Webb discuss the financial sacrifices we make to create personal freedom.

Hosts Bruce Helmer & Peg Webb discuss how college graduation is not only an academic milestone but also a financial reset.

In this week's episode, hosts Bruce Helmer and Peg Webb recognize Mother's Day and discuss the simple and powerful way women can fuse personal values and aspirations with investments.

On this week's show, hosts Bruce Helmer and Peg Webb open the lines to questions from listeners.

On this week's episode, Peg Webb is joined by Allison Tully, Senior Portfolio Consultant at Wealth Enhancement. Allison discusses where the markets may be heading, and what that might mean for investors.

Hosts Bruce Helmer and Peg Webb are joined by Charlie Massimo, Senior Vice President, Financial Advisor, to discuss special needs planning. Special needs planning is not just about finances. It is about creating stability, dignity, and long-term support for a loved one who may depend on others throughout their lifetime.

In this week's episode, hosts Bruce Helmer and Peg Webb discuss financial literacy and financial wellness. Although they are different things, they connect with one another and can help you work to achieve financial success.

On this week's episode, hosts Bruce Helmer and Peg Webb open the lines to questions from listeners.

Many people wait until tax filing season to think about taxes, but by then most planning opportunities are already gone. Hosts Bruce Helmer and Peg Webb are joined by Ryan McKeown, Senior Vice President, Financial Advisor at Wealth Enhancement to discuss some strategies to consider for tax year 2026.

Having common sense, discipline, and a plan are the keys to building wealth over time. In this week's episode, Host Bruce Helmer discusses common sense investing.

On this week's episode, hosts Bruce Helmer and Peg Webb answer questions from listeners.

Estate planning is about thinking ahead: deciding what matters to you, who matters to you, and making sure you communicate your wishes.

Your Money Host, Peg Webb, Senior Vice President, Financial Advisor, answers listener questions.

Hosts Bruce Helmer and Peg Webb break down a recent listener question, “I’m 62. I don’t need Social Security to live on. Should I take the benefits now and invest it for better returns?” They also discuss important differences between Social Security and the stock market.

Hosts Bruce Helmer and Peg Webb discuss what changing one’s livelihood can mean from a financial perspective.

Career growth is one of the key drivers of long-term wealth creation. This week, host Peg Webb talks about ways to build your earning power.

This week, hosts Bruce Helmer and Peg Webb open the show to listener questions.

Bruce Helmer catches up with Doug Huber, Deputy Chief Investment Officer at Wealth Enhancement, to learn about his role at the firm and get his take on where the markets may be heading.

On this week's episode, hosts Bruce Helmer and Peg Webb discuss the importance of children learning about saving and planning for their financial futures, even at a young age, and carrying it through young adulthood.

A Financial Health Check is a repeatable way to assess where you are, reinforce positive habits, and identify areas for improvement over time. It’s about progress, not perfection.

On this week's episode hosts Bruce Helmer and Peg Webb open the show to listener questions.

Hosts Bruce Helmer and Peg Webb cover five reasons why you may want to work with a financial advisor, and what to look for in an advisor relationship.

The key to managing debt isn’t to avoid it entirely, it’s to know the difference between efficient and inefficient (or “unproductive”) borrowing.

Hosts Bruce Helmer and Peg Webb suggest ways to have a serious discussion about the future with family members, and why having common sense, discipline, and a plan are the keys to building multigenerational wealth over time.

Hosts Bruce Helmer and Peg Webb open the show to listener questions.

Hosts Bruce Helmer and Peg Webb are joined by Andrew Thelander, Senior Vice President, Financial Advisor at Wealth Enhancement to discuss charitable giving.

Bruce Helmer and Peg Webb share tips to help keep holiday spending from derailing your finances this holiday season.

Host Peg Webb is joined by guest Mike Webb to discuss using Artificial Intelligence (AI) in everyday financial planning. AI can be a powerful financial tool if used safely and correctly.

Hosts Bruce Helmer and Peg Webb share financial planning tips for veterans. The show covers helping veterans make the most of the benefits they've earned, and discusses ways to turn them into lasting financial stability.

Hosts Bruce Helmer and Peg Webb open the show to listener questions.

Bruce Helmer, Founder, Financial Advisor, discusses how having common sense, discipline, and a plan are the keys to building wealth over time.

In this week's episode, Bruce Helmer and Peg Webb discuss smart tax planning moves to take as we approach year-end.

This week, Bruce Helmer is joined by Sam Richter to discuss cybersecurity and AI. Sam Richter is the founder and CEO of SBR Worldwide/Know More. Sam trains leading organizations on the advantages and pitfalls of online intelligence.

This week, Bruce and Peg opened the show to listener questions.

In this week's episode, hosts Bruce Helmer and Peg Webb discuss how to go about sharing personal financial information with adult children.

This week, hosts Bruce Helmer and Peg Webb are joined by Kate Maier, Vice President, Private Client at Wealth Enhancement to discuss the new domestic spending megabill and its effect on estate plans.

Host Peg Webb is joined by Wendell Clarke, Behavioral Wealth Specialist at Wealth Enhancement. Money is emotional — it ties into our sense of security, freedom, and confidence about the future. In this show, Peg and Wendell discuss the "emotional" side of money.

The “One Big Beautiful Bill” Act (OBBBA) that President Trump signed on July 4, 2025, makes the 2017 tax cuts permanent. Here are five key highlights.

AI (alternative intelligence) is transforming nearly every industry, including financial services, by reshaping how advisors support their clients.

It’s summer — prime time for road trips, lake weekends and last-minute getaways. But whether you’re heading up north or planning for retirement down the road, the same truth applies: you won’t get far without fuel.

This week, Bruce offers his experience and insights on how to plan for a happy, financially sustainable retirement.

Business owners, senior employees with equity and heirs to a family business have a significant portion of their net worth is tied to a single company. How do they manage concentration risk?

This week, we look at the key economic and market trends that are likely to influence the second half of the year.

For people with sudden wealth, the challenge is often balancing personal security with making a difference in the world.

This week, Bruce and Peg are opening the show to listener questions.

The pursuit of happiness” is really a stand-in for financial freedom — the ability to own property, control your labor, and provide for your family.

Here a financial planning tips to follow for the back half of the year.

The biggest mistake that people make with their money isn’t always what you might think.

We offer ways to face tough money and life conversations with your children.

This week, Bruce and Peg are opening the show to listener questions.

Good savings habits are critical to building a strong financial foundation.

We wrap up the key economic and market factors that influenced returns in 2024 and that may have an impact on your investment strategy next year.

Our thoughts on how to navigate financial decisions with greater clarity and confidence, avoiding the pitfalls of short-term thinking and impulsive resolutions.

This week, Bruce and Peg opening the show to listener questions.

Baby Boomers are retiring, and Gen Xers are close on their heels. What aren’t they doing? Bringing adult children into the conversation.

Here are key points that investors should consider post-election, especially in light of potential market volatility and upcoming tax law changes.

For many, 2024 was a tough year. This week, we’re focusing on finding gratitude amid the challenges Americans are currently facing, and the emotions they may be feeling.

As we approach the year-end, it’s the perfect time to make sure your money is working as hard as you do.

In addition to helping people die with dignity, the end of someone's life can bring a host of financial concerns. Bruce Helmer and Peg Webb offer tips and tools in this episode of Your Money.

Social Security benefits will increase more in line with historical trends in 2025. Here’s what you need to know in this special episode with guest, Rhonda Whitenack from the Social Security Administration.

Charitable giving delivers two big benefits to benefactors: it can help transfer wealth efficiently and solidify a commitment to social responsibility.

This week, Bruce is opening the show to listener questions.

For most Americans, retirement feels out of reach, according to our most recent survey.

Real wealth is not just financial. It is leading an enriched life based on your core values. After all, there are only five things you can do with money.

Cyber scams aren’t anything new, but they are getting worse — and more sophisticated.

Today’s show is an Ask Bruce Anything show covering anything having to do with your money.

Here’s a roundup of the key factors that are influencing market activity and may have an impact on your investment strategy.

Big Tech is driving a big part of the stock market in 2024. Time to jump in or be cautious?

As we get older and our time horizon gets shorter it is common and usually appropriate to want to reduce risk. How should investors do it? What are the options or ways that we coach our clients on reducing investment risk?

How will major tax changes for 2026 affect you?

Financial independence can give you more control over your time and more freedom to choose how to spend it.

Financial wellness balances the desire for financial security and freedom of choice, looking at both through the lenses of the present and the future.

This week, Bruce and Peg are opening the show to listener questions.

529 college savings plans can be one of the best ways to save for college. And they offer more choices and flexibility than they ever have before.

By having direct access to Wealth Enhancement Group Roundtable™, you can benefit from a customized investment portfolio and a suite of “whole-life” planning strategies.

Having the right team in place is critical for preserving and growing your wealth. You don’t have to do it alone.

Lifestyle creep happens when an individual’s income increases along with their spending. Here are some strategies to help you avoid it.

This week, Bruce and Peg are opening the show to listener questions.

Working with an experienced and knowledgeable financial advisor has changed dramatically over the past 30 years.

There is a simple and powerful way to fuse your values and aspirations with your investments.

This week, Bruce and Peg are opening the show to listener questions.

Retirement plans use incentives and penalties specifically designed to keep you from tapping your nest egg until later in life — for good reason.