What if your retirement income plan had more moving parts than you realized? In this episode, Ben and Megan Smith break down the six streams of income that shape today’s retirement landscape—from Social Security timing to annuities, investments, and even part-time work. Discover how each source brings unique opportunities and trade-offs, and why there’s no one-size-fits-all solution. With candid stories and practical insights, this conversation explores how to build a resilient income strategy that fits your life, your goals, and your future.

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Did you know your financial habits could age your retirement plan as fast as poor sleep ages your brain? In this episode, Ben and Megan Smith reveal the sneaky, everyday money mistakes that quietly erode your future wealth. From the dangers of “lifestyle creep” to the hidden impact of fees and the power of small, consistent choices, discover how to break bad financial habits and build a resilient retirement. Whether you’re just starting out or managing a legacy, this candid conversation offers practical insights for making your money work smarter—without sacrificing the joys of life.

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What do a superstar athlete and your retirement plan have in common? In this episode of the Vision Wealth Podcast, Ben and Megan Smith break down the concept of deferred income—using Shohei Otani’s headline-making contract as a springboard for real-world retirement strategies. Discover how deferral can impact taxes, income, and legacy planning, and why the right approach depends on your personal goals. From tax-deferred accounts to annuities and Social Security timing, learn how to weigh the options and make decisions that fit your vision for the future. Tune in for practical insights, relatable stories, and expert guidance.

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As the days get shorter and the year winds down, it’s not just your home that needs a seasonal checkup—your finances do too. In this episode of the Vision Wealth Podcast, Ben and Megan Smith share their essential end-of-year financial checklist, from budgeting and tax planning to Roth conversions, charitable giving, and RMD strategies. Discover why even high earners need guardrails, how to make the most of charitable donations, and what steps can help you start the new year strong. Tune in for practical tips, candid stories, and a dose of humor to make financial planning feel less daunting.

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Think your investment accounts are quietly working for you? They might be quietly bleeding value. Ben and Megan Smith break down the hidden fees and underperforming products—from variable annuities to whole life insurance—that could be costing you more than you realize. This episode explores why understanding the fine print matters, how small details can add up over time, and why finding a trusted advisor is key. Whether you’re a do-it-yourselfer or want expert help, learn how to spot red flags and make informed decisions that fit your goals.

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Is the American dream still within reach, or has it become a luxury reserved for a few? Ben and Megan Smith tackle the true cost of family, education, and retirement, exploring how shifting priorities and smart planning can help redefine financial success. This episode dives into the impact of social media, the value of freedom, and why aligning your money with your values matters more than ever. Discover how habits, mindset, and personal goals shape your journey—because the dream isn’t just about numbers, it’s about what matters most to you.

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What do dating and financial planning have in common? More than you think! In this episode, Ben Smith, president and lead wealth advisor at Vision Wealth, and his wife Megan Smith unpack the emotional layers of money talk—from transparency in relationships to bridging communication gaps between partners. This candid conversation reveals how trust, honesty, and shared goals can transform financial planning into a team sport. Whether you're the spreadsheet lover or the silent partner, this episode offers insights that go far beyond the numbers.

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Ben and Megan Smith of Vision wealth discuss the U.S. Mint’s decision to stop stamping pennies and how they rarely use cash. Then Ben talks about tools in people’s financial plans, such as mutual funds, that do not have the rate of returns they used to have. Ben also talks about refinancing annuities, since interest rates have increased and how no one tool is right for everyone. Ben explains how he puts a lot of effort into crafting plans and how financial strategies sometimes are worth their high fees. Megan then explains how she and Ben often have that same mindset with buying nice items for the house that end up lasting a long time.

Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011.

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