Education That Helps You
Retire with Confidence
Hand-picked videos, guides, and tools on Social Security, Medicare, retirement income, and more — curated by Rodney Cummings, RSSA®.
I came across Joe Kuhn's Peaceful Retirement channel and was genuinely impressed. Joe retired at 54 after a career in engineering and now documents his retirement journey with honesty, depth, and real-world numbers. He's not a licensed advisor — he's a retiree showing his work. That's exactly what makes his content so relatable.
The videos below are the ones I recommend most to clients who are approaching retirement or newly retired. I've added my own commentary under each one — where Joe's perspective aligns with what I see in my practice, and where working with a licensed RSSA® adds a professional layer on top of the DIY research.
Note: These videos are embedded from YouTube and are the creative work of Joe Kuhn. Legacy Wealth Services does not claim any ownership of this content. Views expressed are those of the presenter and are for educational purposes.
"The mistake about today's dollars vs. future dollars is one I see constantly. Your SSA.gov statement shows amounts in today's dollars — most people don't adjust for inflation and dramatically underestimate their actual benefit."
📅 Get Your Free SS Analysis"This is the math-based approach I love. As an RSSA®, I run a full Social Security analysis for every client — comparing every claiming scenario for both spouses. The difference between optimal and suboptimal claiming can be $100,000+ in lifetime benefits."
📊 Learn About RSSA Analysis →Rodney's take: Social Security is the single most important financial decision most retirees make — and it's permanent. Joe's videos are a great starting point, but a personalized RSSA® analysis takes this to another level: we model every combination of claiming ages for you and your spouse, factor in your health, pension offsets, and tax situation. Schedule a free consultation to get your personal Social Security optimization report.
"Health insurance in the gap between retirement and Medicare (age 65) is a real pain point. Joe covers this well. I'd add: COBRA, ACA marketplace, and spouse's employer plan are all options — and the right choice depends heavily on your income that year."
📞 Ask About Pre-Medicare Coverage"IRMAA is the hidden Medicare tax that catches retirees by surprise. A large IRA withdrawal or Roth conversion in the wrong year can push you into a higher IRMAA bracket and cost thousands extra. This is exactly why coordinating Medicare and tax planning together matters."
🏥 Explore Medicare Planning →Rodney's take: Medicare decisions don't happen in isolation — they interact directly with your income, your Social Security timing, and your tax situation. I work with clients on all three simultaneously. As an independent advisor working with all major carriers, I compare your actual plan options at no cost to you. Learn more about Medicare planning →
"The bucket strategy is one of the most effective frameworks for managing retirement income. Joe's point about starting 5 years early is critical — you don't want to be rebalancing during a market downturn the same year you retire. This is exactly where Fixed Index Annuities can anchor Bucket 1."
📈 Learn About Fixed Index Annuities →"Every story in this video is preventable. Sequence of returns risk, under-insurance, no income floor — these are the retirement plan killers I talk about with clients constantly. Worth watching before your next advisor meeting."
🛡️ See the Complete Retirement Plan →Rodney's take: The bucket strategy works best when your Bucket 1 (near-term income) is protected from market risk entirely. A Fixed Index Annuity with a guaranteed income rider can lock in a floor of income you cannot outlive — no matter what the market does. Let's discuss your income floor strategy →
"Joe's 5-step framework is solid — and step 3 (healthcare before Medicare) is the one I help most clients navigate. The mental shift from saver to spender is real and often underestimated. Get clear on your income sources first."
🔍 Take Our Retirement Readiness Quiz →"This is the video I'd send to anyone who thinks retirement planning is only about money. Stoic philosophy applied to retirement — focus on what you can control. One of Joe's best."
📅 Start Your Retirement Plan →Rodney's take: Retirement readiness is both a financial and a psychological milestone. My Discovery Wizard helps you identify where you stand across Medicare, Social Security, income, insurance, and estate planning — all in one place. It's free and takes about 5 minutes.
Rodney's Video Library — In Progress
Original video content from Rodney Cummings, RSSA® is coming to this page — covering Medicare comparisons, Social Security strategies for Oregon residents, retirement income planning, and more. Subscribe below to be notified when new videos drop.
Ready to Put This Into Action?
Watching videos is a great first step. The next step is a conversation with a licensed advisor who can apply these strategies to your specific numbers, health, and goals.
Rodney Cummings, RSSA® · Oregon License #18847712 · Licensed in 22+ States · rod@legacywealthservices.com