The Fiscal Physical Retirement Podcast
Smart Retirement Planning. Straightforward Advice.
Welcome to The Fiscal Physical Retirement Podcast, the show built for professionals and pre-retirees who want clarity, confidence, and control over their financial future. Hosted by Aaron Hoisington and retirement planner Ryan Nelson, founder of Alchemy Wealth Management and author of Your Fiscal Physical, this podcast delivers practical advice, expert insights, and real conversations about retirement readiness, tax-efficient investing, and long-term wealth strategies.
Whether you're five years from retirement or just starting to get serious about your financial goals, each episode simplifies complex financial topics into clear, actionable steps. No jargon. No fear. Just the guidance you need from a trusted financial advisor serving Nevada and beyond.
If you’re looking for a retirement podcast that’s approachable, insightful, and worth your time, this is it.
Subscribe now and get your Fiscal Physical. Your retirement health depends on it.
The Fiscal Physical Retirement Podcast
Latest Episodes
When to Take Social Security: Claiming Strategies for Married Couples
Claim at 62 or wait until 70? For married couples the timing can swing six figures over a lifetime. Ryan walks through spousal benefits, survivor benefits, and how couples coordinate. Education, not advice.
Roth Conversions in 2026: Is the Window Still Open After the New Tax Law?
The new tax law made today's lower rates permanent, so is a Roth conversion still worth it? Ryan explains how the pre-RMD window works, who benefits, and the tradeoffs to weigh. Education, not personalized tax advice.
Safe Withdrawal Rate: How Much Can You Spend Without Running Out?
How much can you pull from savings each year without running out? Ryan breaks down the 4% rule, what current research says about a safe starting rate, and how to adjust it to your own plan. Education, not advice.
The History of Credit Cards: How Plastic Reshaped Money
Credit cards are everywhere now, but they are a surprisingly recent invention. In this episode, Ryan traces the history of the credit card, from its early days to the swipe-and-tap world we live in today, and how it quietly reshaped the way Americ...
$1 Million Now vs. $50,000 a Year for Life: Which Is Better?
Would you take $1 million today or $50,000 every year for the rest of your life? In this episode, Ryan uses that thought experiment to unpack one of the most useful ideas in retirement planning: the trade-off between a lump sum and guaranteed life...
