Make It Personal Podcast

Епизоде

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  Could the Social Security Fairness Act Raise Your Benefit? | EP 89 17.09.2026 4мин

  Could the Social Security Fairness Act increase your monthly Social Security benefit, or change the retirement income plan you built years ago?For decades, the Windfall Elimination Provision and Government Pension Offset reduced Social Security benefits for many people who also received pensions from work that was not covered by Social Security. Teachers, firefighters, police officers, government employees, spouses, surviving spouses, and people who moved between public- and private-sector careers were often affected.Those two Social Security reduction rules are now gone for benefits payable from January 2024 forward. That means some retirees may receive a higher monthly benefit, a retroactive payment, or access to spousal or survivor benefits that were previously reduced. People who have not applied for benefits may also need to reconsider assumptions that influenced their original retirement strategy.In this episode of Make It Personal, we explain what changed, who may be affected, and why a retirement income plan built under the old Social Security rules deserves another look. Even when the change does not apply directly to you, it may affect a parent, spouse, colleague, client, teacher, firefighter, or former public employee in your life.What You’ll Learn:→ The rules that changed: Understand how the Windfall Elimination Provision affected a worker’s own Social Security retirement benefit and how the Government Pension Offset affected spousal and survivor benefits.→ Who may be affected: Learn why teachers, firefighters, government employees, pension recipients, spouses, widows, widowers, and people with both public- and private-sector work histories should review their eligibility.→ Why your retirement plan may have changed: See how a higher Social Security benefit could affect retirement income projections, withdrawal decisions, pension planning, taxes, and long-term cash flow.→ What to review next: Discover why it may be worth checking your Social Security record, requesting an updated benefit estimate, reviewing your claiming strategy, and discussing the change with a qualified advisor.Benefits depend on individual work records, pension history, eligibility, and claiming circumstances. Confirm your personal information directly with the Social Security Administration before making financial decisions.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.
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  The Financial Habits That Quietly Build Wealth | EP 88 10.09.2026 6мин

  Every day, companies compete for your attention and encourage you to spend money. Buy now. Upgrade today. Take advantage of the limited-time offer. Consumer culture is built around transactions, but financial stability and long-term wealth are built through behavior.In Episode 88 of Make It Personal, Mark Zagurski explains why one perfect investment, clever financial hack, or major money decision is unlikely to transform your financial future. Lasting financial confidence usually comes from simple financial habits repeated over time: spending less than you earn, saving before you spend, living below your means, building an emergency fund, increasing retirement contributions, and following your financial plan instead of reacting to every market headline.You will also hear how Mark’s commitment to reaching a daily step goal taught him that motivation comes and goes, but consistent behavior remains. The same principle applies to personal finance. You do not build wealth by making one great decision. You build it by making the next good decision, and then repeating it.This episode is for anyone who feels financially behind, overwhelmed by consumer culture, or distracted by the search for the perfect investment. Your financial future may depend less on one major transaction and more on the small money choices you make every day.What You’ll Learn:→ You’ll learn why high income does not always create financial stability→ How consumer culture encourages spending instead of long-term wealth building→ Why consistent financial habits can matter more than extraordinary investment decisions→ How improving one repeatable money behavior can strengthen your financial confidence over timeConnect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.
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  How to Use College Savings Without Costly Mistakes | EP 87 03.09.2026 6мин

  You spent years saving for college. You made regular contributions, watched the account grow, and worked toward the goal of helping your child pay for higher education. Then the first college bill arrived, and a completely different set of financial planning questions began.How do you access your college savings? Which education expenses can the money cover? How should tuition, housing, meal plans, books, technology, fees, and scholarships work together? What receipts and financial records should you keep? And who can help you understand the withdrawal rules before you start using the account?In Episode 87 of Make It Personal, Mark Zagurski shares what his own family learned when their oldest child started college. The accumulation phase may be complete, but the utilization phase is just beginning. For parents preparing to pay college expenses, having money available is only one part of the plan. Using those savings thoughtfully, documenting expenses, coordinating scholarships, and getting guidance from a financial advisor or tax professional can be just as important as the years spent saving.This episode is for parents with a child in college, families approaching the first tuition payment, and anyone wondering how college savings fit into a larger financial plan.What You’ll Learn:→ You’ll learn why college planning has both an accumulation phase and a utilization phase→ Which education expenses families should review before withdrawing money→ How scholarships and college savings may need to be coordinated→ Why receipts, documentation, withdrawal timing, and professional guidance can matter once college beginsConnect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.
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  AI Knows Your Money, But It Doesn’t Know Your Life | EP 86 27.08.2026 5мин

  What happens when AI manages your money perfectly, but creates a financial plan that does not reflect the life you actually want?Artificial intelligence can track spending, automate savings, rebalance investments, improve tax efficiency, and build an optimized retirement plan. But personal financial planning involves more than numbers. Your family history, life experiences, fears, priorities, relationships, and definition of “enough” all influence the decisions that are right for you.In this episode of Make It Personal, we explore the growing role of AI in personal finance and wealth management. You’ll hear how the same automated financial tools can create confidence for one person and conflict for another. You’ll also discover why a technically perfect financial strategy may overlook the moments, opportunities, and relationships that matter most.What You’ll Learn:→ You’ll learn why financial optimization is not the same as personal alignment → How AI financial planning tools can improve discipline and consistency→ Which parts of your financial life should not be completely outsourced→ How to use artificial intelligence as a helpful tool without allowing an algorithm to become your financial compassMoney decisions are not only mathematical decisions. They are personal trade-offs involving your present, your future, and the life you want to experience along the way.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.
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  Don’t Mortgage Your Retirement for Your Kids’ College | EP 85 20.08.2026 12мин

  From the outside, this family looked like they had everything together: strong careers, a nice home, and three kids in college. But behind the scenes, credit card debt, college expenses, retirement pressure, and quiet money stress were starting to take over their lives.In this episode of Make It Personal, we share a real financial planning story about a family in their early 50s who wondered if they had fallen too far behind. They were high earners, loving parents, and doing many things right, but the cost of helping their kids through college left them asking a painful question: Are we sacrificing our own retirement future?Mutual of Omaha advisor Lucas Feathers joins the show to explain how honest conversations, financial organization, debt planning, family communication, retirement projections, and estate planning helped this family move from fear to confidence. This episode is for parents, families, and anyone carrying hidden financial stress who needs reassurance that clarity can lead to a better plan.Highlights:→ You’ll hear how a family with good income and good intentions still ended up feeling overwhelmed by credit card debt, college costs, and retirement anxiety.→ You’ll learn why getting financially organized can be the first major step toward reducing stress, seeing the full picture, and making better money decisions.→ This conversation shows how hard family money talks, including conversations around gifting, estate planning, and retirement savings, can open new paths forward.→ You’ll also hear why the goal of financial planning is not just getting out of debt, but building confidence, creating options, and protecting your future. Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.
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  The Roth Catch-Up Rule Most People Misunderstand | EP 84 13.08.2026 4мин

  Do 401(k) catch-up contributions have to be Roth in 2026? Many people aged 50 and older have heard that catch-up contributions are changing, but the headlines have created a lot of confusion. Some retirement savers think all catch-up contributions now have to go into a Roth account, while others worry that catch-up contributions are going away completely. In this episode of Make It Personal, we answer David’s question about the 2026 Roth catch-up contribution rule, who it applies to, and what it may mean for your retirement savings and tax planning. You’ll learn how SECURE 2.0 changed the rules for certain higher-income earners, why the $145,000 prior-year wage threshold matters, and how the 2026 catch-up contribution amount fits into the conversation. This episode is for anyone age 50 or older saving into a 401(k), 403(b), or workplace retirement plan who wants to understand whether their extra contributions can still be pre-tax or may need to be Roth.Highlights:→ You’ll learn that the new Roth requirement does not apply to everyone and does not eliminate catch-up contributions. → We explain how higher-income earners may be required to make catch-up contributions as Roth contributions, while others may still be able to choose between pre-tax and Roth if their employer plan allows both options. → You’ll also hear why this change is not just about saving more money, but about tax diversification, future retirement income flexibility, and whether paying taxes now or later makes more sense for your overall plan.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.
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  An RMD Is Not a Retirement Spending Rule | EP 83 06.08.2026 4мин

  Required Minimum Distributions, or RMDs, can create stress for retirees when the IRS tells them to withdraw more money from their IRA or retirement account than they actually need to spend. Many people wonder if a larger RMD means their retirement plan is off track, if they are spending too much, or if they are at risk of running out of money. In this episode of Make It Personal, we explain a simple but powerful distinction: an RMD is a withdrawal rule, not a spending rule. Just because money has to come out of your IRA does not mean it has to leave your retirement plan. You may still have choices after taking the distribution and paying the tax. This conversation is for retirees, people approaching retirement, and anyone trying to understand retirement withdrawals, IRA distributions, safe withdrawal rates, Roth conversions, Qualified Charitable Distributions, and tax planning in retirement.Highlights:→ You’ll learn why RMDs can feel bigger than expected and why that does not automatically mean something is wrong with your retirement plan. → We explain how retirees may be able to reinvest excess RMD dollars in a taxable account, plan ahead with partial Roth conversions to potentially reduce future RMDs, and use Qualified Charitable Distributions to support causes they care about while satisfying RMD requirements. → You’ll also hear why safe withdrawal rates are guidelines, RMDs are rules, and your personal retirement plan should be flexible enough to respond as markets, spending, health, goals, and values change.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.
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  Why Retirement Feels Lonely (and How to Fix It) | EP 82 30.07.2026 3мин

  Retirement sounds like freedom, until the calendar disappears and the questions get loud. If you’ve ever wondered why retirement can feel lonely, uncertain, or oddly unstructured (even when your finances look “fine”), this episode is for you. In Episode 82, we break down a better way to navigate retirement decisions without carrying them by yourself: building a Retirement Board of Directors. This isn’t a formal committee or complicated system, it’s simply a trusted retirement support network that helps you connect money decisions to the life you want to live. We’ll walk through why retirement planning isn’t just about investments, savings, and income strategies, it’s about health, relationships, purpose, and identity. You’ll hear the story of Joe, who retired with a strong financial plan but still felt unexpected uncertainty, and why that happens to so many people. The solution starts with one trusted financial advisor who truly knows you and can act as the hub, helping you identify when a decision is financial, personal, or a signal to bring in another voice. If you’re looking for clarity, confidence, and a retirement plan that feels personal, not just mathematical, press play.You’ll Learn:→ Why retirement decisions rarely fail due to lack of information and more often break down due to lack of perspective. → What a “Retirement Board of Directors” actually is and how it reduces uncertainty by turning solo decision-making into better conversations. → Why a great financial advisor should do more than manage investments, by helping connect your money to your values, lifestyle, and long-term health. → One question to ask yourself today to make retirement easier, more supported, and more aligned with the life you want.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.
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  The Retirement Risk Most Families Never Plan For | EP 81 23.07.2026 24мин

  What if the biggest threat to your retirement plan is not the stock market, inflation, or taxes, but a long-term care event your family never saw coming? In this episode of Make It Personal, we share a real retirement planning story about a couple in their late 50s and early 60s who had saved well, invested carefully, and prepared for the future, but were still worried one unexpected health event could drain their savings and impact their children.Mutual of Omaha advisor John Bronzema joins the show to explain how long-term care planning, pension decisions, permanent life insurance, retirement income planning, and legacy planning came together in one coordinated strategy. This conversation is for pre-retirees, retirees, and families who want to protect retirement savings, prepare for long-term care costs, make smarter pension and Social Security decisions, and leave a tax-efficient legacy for the next generation. You’ll hear how thoughtful financial planning helped this couple move from fear and uncertainty to confidence, clarity, and freedom to enjoy the retirement they worked so hard to build.Highlights:→ You’ll learn how a real long-term care experience with a parent changed the way this couple looked at retirement risk, family protection, and future health care costs.→ Why pension decisions matter so much in retirement planning, especially when choosing between a higher monthly payout and survivor benefits.→ How permanent life insurance with living benefits can support long-term care planning, pension protection, and legacy goals in one flexible strategy.→ How an annuity income stream helped fund insurance premiums and turned unused retirement assets into a larger protection and legacy plan.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.
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  Roth 401(k) to Roth IRA: The Tax Rule Most People Miss | EP 80 16.07.2026 4мин

  Thinking about rolling over a Roth 401(k) to a Roth IRA after leaving your employer? Before you do, it’s important to understand how Roth 401(k) rollovers actually work, especially when your account includes employer matching contributions, pre-tax money, and after-tax Roth contributions. Many people assume that because an account says “Roth,” every dollar inside it is automatically tax-free forever. But that is not always true. In this episode of Make It Personal, we answer Jennifer’s question about how Roth 401(k) to Roth IRA rollovers are tracked, what happens to employer pre-tax contributions, and whether choosing different investments inside the Roth IRA changes the tax treatment. You’ll learn how the IRS views Roth money versus pre-tax money, why rollovers often separate dollars into different IRA accounts, and when a Roth conversion may come into play. This episode is for anyone leaving a job, reviewing an old 401(k), planning retirement income, or trying to avoid tax surprises with Roth retirement accounts.Highlights:→ You’ll learn how Roth 401(k) dollars and employer match dollars are treated differently during a rollover. → We explain why pre-tax employer contributions usually do not simply become tax-free Roth IRA money, and why they may be moved into a Traditional IRA instead. → You’ll also hear why changing investments inside a Roth IRA, such as ETFs, mutual funds, stocks, or bonds, does not change the Roth tax status of the account. → We break down the difference between a rollover and a Roth conversion so you can better understand when taxes may apply and why planning matters.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting-Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.
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  Social Security Secrets That Could Add Thousands to Your Retirement | EP 79 09.07.2026 5мин

  What if you’re leaving thousands of dollars in Social Security benefits on the table every year, money you earned and may still be able to claim?In this episode of Make It Personal, we reveal Social Security secrets and claiming strategies most people never hear about, including hidden spousal benefits, divorced spouse benefits, survivor benefits, and timing moves that can dramatically increase your monthly check. The truth is: the “best age” to claim Social Security retirement benefits isn’t the same for everyone. Your full retirement age, health, longevity, taxes, and other income sources, like a 401(k), IRA, pension, or part-time work, can completely change the smartest claiming plan. We also unpack why the Social Security breakeven point can be misleading, how COLA adjustments affect long-term retirement income, and how taxation of Social Security benefits works through provisional income. If you’re approaching retirement, already retired, divorced, widowed, raising a child, or coordinating benefits with a spouse, this is a must-listen guide to maximizing Social Security and building a smarter retirement income plan.You’ll learn:→ How to choose the best Social Security claiming age based on your full retirement age, health, and cash-flow needs, not generic advice. → Often-missed spousal and survivor strategies, including divorced spouse benefits if you were married 10+ years and how survivor timing can change monthly income. → Lesser-known provisions like child-in-care benefits, parent benefits in special cases, and how disability-to-retirement conversion can protect benefit amounts. → Practical planning tips for coordinating Social Security with retirement accounts, reducing Social Security tax exposure, and staying prepared for COLA trends and potential legislative changes.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.
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  How Reverse Mortgages Work (And Why the Bank Doesn’t “Take” Your Home) | EP 78 02.07.2026 4мин

  Your home isn’t just where your memories live, it may be the missing piece in your retirement plan. In this episode of Make It Personal, we unpack the reverse mortgage reality and explain how a reverse mortgage can help eligible homeowners 62 and older access home equity for retirement income without selling the house or moving out. If you’ve ever heard “the bank takes your home” or that reverse mortgages are a last resort, this conversation clears up the biggest myths and gives you the real mechanics behind today’s federally regulated options like the HECM reverse mortgage. You’ll learn how reverse mortgages can create financial flexibility, support lifestyle goals like travel or home renovations, help cover healthcare costs, and even work alongside estate planning when structured thoughtfully. We also cover the important responsibilities, property taxes, homeowners insurance, upkeep, and the real costs like origination fees, closing costs, and interest accrual so you can make an informed decision. Whether you’re planning retirement, optimizing cash flow, or exploring ways to stay in the home you love, this episode gives you a practical, planning-first framework. Learn more at makeitpersonalpodcast.com and explore education resources like HUD HECM guidance and trusted reverse mortgage counseling.You’ll learn:→ You’ll understand what a reverse mortgage is and how it turns home equity into cash flow through a lump sum, monthly payments, or a line of credit. → You’ll learn why you still own your home, when repayment actually happens, and how consumer protections work in today’s reverse mortgage programs. → We’ll walk through the real tradeoffs, fees, closing costs, interest accrual, and equity impact, so you can evaluate whether it fits your retirement plan. → Finally, you’ll get a step-by-step approach for exploring eligibility, using HUD and certified reverse mortgage counselors, and having a no-obligation conversation with a specialist to match the strategy to your income needs and legacy goals.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.
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  If Your Business Vanished, Would Your Wealth Survive? | Ep 77 25.06.2026 19мин

  If your business disappeared tomorrow, would your financial security disappear with it? Many business owners work hard to grow revenue, increase profit, and build enterprise value, but their entire financial life is often tied to one place: the business. Their income comes from the business, their net worth depends on the business, and their retirement plan may rely on a future sale that may or may not happen on their terms.In this final episode of the Seven Pillars mini-series from Profit, Protect, Prosper, we explore Pillar 7: building wealth beyond the business. This episode is for business owners, entrepreneurs, and families who want more financial independence, more liquidity, and more control over their future. You’ll learn why diversification outside the business matters, how owners can begin creating wealth that is not tied to a valuation event, and why retirement accounts, diversified portfolios, tax-advantaged strategies, and disciplined profit allocation can help create long-term security.Your business can be your passion without being your only financial plan. When you build wealth beyond the business, you gain options, negotiate differently, plan differently, and sleep differently.Highlights:→ You’ll learn why having your income, net worth, and retirement tied to your business can create financial dependency instead of true diversification.→ This episode explains how directing a portion of annual profits into investments outside the business can help create liquidity, independence, and long-term financial flexibility.→ You’ll hear why diversified portfolios, retirement accounts, and tax-advantaged strategies can help business owners build wealth beyond a future sale or valuation event.→ We also discuss how financial clarity gives business owners more control, better options, and greater confidence when planning for the future.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.
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  Your Business Shouldn’t Be Your Only Retirement Plan | Ep 76 18.06.2026 2мин

  If your business disappeared tomorrow, would your financial security disappear with it too? In this episode of Make It Personal, we unpack why building wealth beyond your business is one of the most important financial moves a business owner can make. This conversation is for entrepreneurs, founders, and owners who have most of their income, net worth, and retirement tied directly to their company. If you want more financial independence, stronger retirement planning, better diversification, and real peace of mind, this episode shows why your business should be part of your wealth strategy, not the entire plan. Learn how creating investments outside the business can increase liquidity, reduce financial risk, and help you make smarter long-term decisions without feeling trapped by one future sale, one valuation, or one outcome.You’ll Learn:→ Why so many owners unintentionally build financial dependence instead of diversification.→ How directing a portion of annual profits into retirement accounts, diversified portfolios, and tax-advantaged strategies can create more control.→ Why liquidity outside the business changes the way you negotiate, plan, and think about your future. → How wealth beyond the business supports financial security, independence, and flexibility, especially for owners who want their business to remain a passion without making it their only financial plan.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.
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  What If One Hospital Visit Destroys Your Retirement Plan? | EP 75 11.06.2026 4мин

  What if a sudden medical emergency wiped out years of careful retirement planning? One hospitalization, unexpected surgery, chronic condition, or long-term care need can quietly become the silent killer of retirement savings, especially when Medicare doesn’t cover everything. In this episode of Make It Personal, we break down the “what if” of healthcare costs in retirement and how proactive retirement planning can protect your nest egg, your lifestyle, and your independence. If you’re pre-retirement or already retired, this conversation will help you think through Medicare limitations, out-of-pocket costs, supplemental coverage like Medigap or Medicare Advantage, and the real-world risk of assisted living, nursing homes, or in-home care. We also cover how Health Savings Accounts (HSAs) can act as a tax-advantaged retirement healthcare fund, and why long-term care insurance may be worth evaluating before it’s too late. The goal is simple: build a financial safety net for medical costs so you don’t have to scramble later, drain investments, or compromise your retirement lifestyle when health surprises happen.You’ll learn:→ How Medicare gaps can create major retirement out-of-pocket costs and what supplemental coverage options may reduce the risk. → How HSAs work as a tax-smart way to plan for healthcare expenses in retirement and why unused balances can strengthen your overall retirement strategy. → How long-term care costs (assisted living, nursing homes, in-home care) can derail even strong retirement plans and what insurance or planning tools may help protect assets. → How to create an emergency healthcare fund, estimate realistic retirement medical costs, and review your plan regularly as your health and needs change.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.
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  The Real Problem With Debt Isn’t the Interest Rate | EP 74 04.06.2026 1мин

  It is a simple but powerful framework for evaluating whether your current debt strategy is helping you build a stronger business or just helping you survive from month to month.You’ll Learn:→ Why matching the length of a loan to the life of the asset matters so much.→ How short-term debt can create long-term cash flow pressure.→ Why borrowing for operational shortfalls is often a warning sign.→ How to tell whether your leverage strategy is creating confidence or stress.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.
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  Hope Is Not a Strategy for Business Protection | EP 73 28.05.2026 2мин

  Most business owners work hard to grow revenue, serve clients, and build something that lasts. But one unexpected event can undo years of progress if the business is not protected the right way. In this episode of the Seven Pillars mini-series based on Profit, Protect, Prosper, we break down why hope is not a business strategy and what real protection planning looks like. This conversation is for entrepreneurs, partners, founders, and family business owners who want to reduce risk, protect ownership, and prepare for major disruption before it happens. If you have ever wondered whether your company could survive the loss of an owner, a sudden exit, a disability event, or a financial shock, this episode will help you think more clearly about the gaps that could threaten everything you have built.You’ll Learn:→ Why protection is more than insurance and why a funded buy-sell agreement matters if partners ever need to transfer ownership smoothly. → We also cover succession planning, compliance, contracts, key-person risk, and how resilient businesses prepare for the unexpected before chaos forces hard decisions.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.
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  How to Fund Your Retirement AND Your Family’s Future| EP 72 21.05.2026 5мин

  What if your money could do more than just cover retirement, what if it could build a legacy that empowers your children, grandchildren, and even great-grandchildren? In this episode of Make It Personal, we introduce the Legacy Loop, a long-term wealth strategy designed to help you enjoy life now while creating a multi-generational financial foundation. This isn’t about get-rich-quick schemes or luck. It’s about intentional financial planning, smarter portfolio decisions, and building structures that protect and grow wealth over decades. You’ll learn how families balance lifestyle spending with legacy accounts, and how tools like trusts, endowments, and strategic life insurance can provide protection, liquidity, and long-term flexibility. We also explore how investing in future-forward opportunities, like AI infrastructure and sustainable technology, can compound across generations. But the biggest missing piece for most families isn’t just money, it’s financial literacy. Because wealth without education often disappears. If you’ve ever wondered how to create generational wealth, fund retirement confidently, and give your family a real head start, this episode is your blueprint.You’ll learn:→ How to balance retirement income planning with long-term legacy building without draining family wealth later. → How to use enduring wealth structures like trusts, endowments, and advisory frameworks to protect assets and keep generational planning organized. → How strategically designed life insurance can create liquidity, fund family needs, and jumpstart a legacy plan even when other investments are modest. → How mentorship and financial education turn inheritance into a repeatable wealth system where each generation reinvests, innovates, and strengthens the cycle.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.
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  Why Waiting Until April Could Cost You More in Taxes | EP 71 14.05.2026 2мин

  If April is the only time you think about taxes, you may be paying more than necessary. In this episode of Make It Personal, we break down why tax strategy is not just about filing returns or staying compliant. It is about building year-round control over your income, expenses, cash flow, and long-term financial decisions. This episode is for business owners, entrepreneurs, and S-corp owners who want to stop reacting to tax deadlines and start using proactive tax planning to make smarter moves before the year ends. You will learn how tax projections, timing decisions, retirement contributions, equipment purchases, and compensation planning can all affect what you owe. If you want better business tax strategy, lower stress, more financial clarity, and more confidence around growth decisions, this episode will show you why proactive tax planning matters and how it can help you keep more of what you earn while making better decisions throughout the year.You’ll Learn:→ Why taxes should be treated as a year-round business discipline instead of a once-a-year event. → How the timing of income and expenses can change your tax outcome, why equipment purchases before year-end may matter, and how retirement contributions through the business can play a role in a smarter tax plan. → How S-corp owners can think about salary and distributions more strategically, and why reviewing tax projections during the year can help you make better hiring, investing, and growth decisions. This conversation is all about proactive tax planning, business tax strategy, tax projections, year-end tax moves, and financial clarity for entrepreneurs who want more control and fewer surprises.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.
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  How to Build a Business You Can Actually Walk Away From | EP 70 07.05.2026 2мин

  If your business could not run without you tomorrow, your retirement plan may be more fragile than you think. In this episode of the Make It Personal Podcast, we continue the Seven Pillars series from Profit, Protect, Prosper by breaking down retirement planning and exit planning for business owners. This conversation is for entrepreneurs, founders, and owner-operators who want more than just a someday dream. It is for people who want financial freedom, a stronger business valuation, better succession planning, and a real path toward retiring on their terms. We talk about why owner dependence lowers business value, how recurring revenue and documented systems can raise company value, and why building assets outside the business matters long before you are ready to exit.If you want to sell your business someday, step away gradually, or simply know your company can survive without you, this episode will help you think differently about business continuity, retirement readiness, and long-term personal wealth. The earlier you start planning your exit strategy, the more freedom, flexibility, and negotiating power you create for the future.You’ll Learn:→ Why a business that depends on the owner is often seen as risky by buyers and how that can affect business valuation when it is time to sell. → Why leadership depth, documented processes, and reliable recurring revenue can make your business more transferable and more valuable. → Why retirement planning for entrepreneurs should include assets outside the business, so your future is not tied to one company outcome. → What defines a successful transition, whether you plan to exit in a few years or simply want a business that can operate without you for six months.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.