Zynergy Retirement Planning

10/21/2026

If you’ve spent most of your adult life building a business, you know the commitment it takes.
The long hours. The tough decisions. The sacrifices made along the way.

For many business owners, the goal has been to build something valuable that can support their family for years. But as retirement gets closer, it’s important to think beyond the day you step away.

What happens if an unexpected event changes your timeline?

Do you have a documented succession plan?

- If you become disabled, does your business have a plan for what happens next?
- Do you have key person insurance in place to help your business navigate an unexpected loss?
- Will your family have enough liquidity to handle estate expenses without needing to make a rushed decision about the business?

Business owners often put off these conversations while they’re focused on running the company, but transitioning from business owner to retiree requires planning beyond the sale or handoff.

A well-developed transition plan can give your family a clearer understanding of your wishes and the next steps when decisions need to be made.

Schedule a conversation today: https://go.zynergyretirement.com/consult-6272

10/20/2026

Episode #65: Which Retirement Account Should You Draw From First? When you retire, you may have several different accounts you can use for income. But which one should you draw from first? The answer can have a major impact on your taxes, Medicare costs, and long-term financial plan. In this episode...

10/15/2026

For retirees and pre-retirees, Roth conversions, gifts from your IRA to charity, annual family gifts, and loss harvesting all have to happen by December 31 to count this year, and 2026 brings new rules on charitable deductions and catch-up contributions. Ryan walks through seven moves to review before the year closes. Link in the comments.

For retirees and pre-retirees, Roth conversions, gifts from your IRA to charity, annual family gifts, and loss harvesting all have to happen by December 31 to count this year, and 2026 brings new rules on charitable deductions and catch-up contributions. Ryan walks through seven moves to review befo...

10/14/2026

According to a recent survey, only 2.2% of social media creators have the credentials to provide financial advice.

So why are so many people turning to influencers for guidance on some of their biggest financial decisions?

Social media can be a great place to learn, but financial decisions often require more than a quick tip or a viral video. Understanding the “why” behind financial strategies and how they apply to your unique situation is important.

If you’re looking for real educational content and practical retirement insights, listen to Zynergy’s Retirement GPS podcast.

Recent episodes cover topics like:

• Building a legacy for your children and grandchildren
• Understanding how financial advisors are paid
• What a major market downturn could mean if you’re retired

With more than 60 episodes available, there’s plenty to learn from. Listen on your favorite podcast platform or listen here: zynergyretirementplanning.podbean.com

10/13/2026

Episode #64: How Do You Pay Yourself in Retirement? Creating a Reliable Retirement Paycheck! Retirement changes the way you receive and manage your money. But how do you turn Social Security, pensions, investments, and other income sources into a predictable paycheck you can rely on? In this episode...

10/07/2026

Your great-aunt lived to 102, and your dad is now 90. You’ve got good genes!
But what you may not have is a withdrawal plan.

How much should you withdraw each year? What happens during down markets? How do taxes factor into your retirement income strategy?

A longer retirement requires a plan that can adapt to your unique circumstances.

Schedule a call today, and the team at Zynergy can walk you through your questions and help build a retirement plan tailored to you.

https://go.zynergyretirement.com/consult-6272

10/06/2026

Episode #63: If the Market Is Overvalued, Why Is It Still Going Up? The stock market looks expensive by historical standards, so why does it keep going higher? And more importantly, should you actually do anything about it? In this episode of Retirement GPS, Ryan Zacharczyk, CFP®, explains how mark...

09/30/2026

You’ve built a substantial nest egg. You could retire right now.

But more people are choosing to work past 65 and not necessarily because they have to.

𝗠𝗮𝘆𝗯𝗲 𝗜𝘁’𝘀 𝗡𝗼𝘁 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗬𝗼𝘂 𝗡𝗲𝗲𝗱

Instead of asking:

“When can I stop working?”

Try asking:

“If I had all the time and money I needed, what would I choose to do?”

The answer may surprise you.

For some, it means continuing to work full-time. For others, it may mean consulting, teaching, volunteering, starting a business, or scaling back to just a few days a week.

There isn’t one definition of retirement anymore.

The right retirement is the one designed around your values, your health, your family, and your sense of purpose.

09/29/2026

Episode #62: Should You Invest for Income in Retirement? The Truth About Dividends and Interest When you retire and your paycheck stops, it can be tempting to build your portfolio around dividends and interest. But focusing too heavily on investment income could lead to unnecessary risk and poor inv...

09/23/2026

Since the ’80s, when 401(k)s became a tool for retirement saving, you’ve been diligently contributing with every paycheck. Now you may have a large account you can roll over to an IRA while keeping everything tax-deferred.

That sounds great, until required minimum distributions begin in your 70s.

At that point, taxable withdrawals can affect your tax bill, Medicare premiums, and the rest of your retirement income strategy.

The key is planning before RMDs begin.

Want to see what your options look like? Schedule a conversation with our team: https://go.zynergyretirement.com/consult-6272