In this episode of The Asset Preservation Hour, financial advisor Stewart Willis and co host Spike Spengel tackle the longevity revolution: the reality that Americans are living longer than any generation before them, and what that means for the money you spent a lifetime building. Stewart explains why living an extra decade is a blessing that most retirement plans were never designed to handle, and why hoping for the best is no substitute for actually preparing.
The conversation opens with fourth quarter tax planning and why Stewart wants Roth conversions handled before December 31 rather than rushed in January, when a single early conversion can box you in for the rest of the year. From there, Stewart pulls back the curtain on how advisors get paid, the difference between fee only fiduciary guidance and commission driven product sales, and how to spot loaded mutual funds hiding on your own statements. He compares portfolio fees to running across a parking lot with a parachute strapped to your back, and explains what a real portfolio review should uncover about risk, costs, and double dipping you may never have noticed.
You will also hear the numbers behind Peak 65, with roughly 11,000 Americans turning 65 every single day into 2027 and 2028, and what happens to the market when an entire generation stops contributing to their portfolios and starts withdrawing from them. Stewart and Spike dig into rapid advances in health care, artificial intelligence in medicine, required distributions at 73, and why the retirement products of 20 years from now may not even exist yet.
📞 Call 877-5-RETIRE or visit AssetPreservationWealth.com to schedule your complimentary tax review and portfolio review.
What is The Asset Preservation Hour?
Join Stewart Willis, President of Asset Preservation Tax & Retirement Services, and co-host Spike Spengel as they explore strategies for protecting, growing, and maximizing your wealth. Designed for those in or near retirement, this podcast delivers expert insights on tax planning, investment advice, estate planning, and building a secure financial future—all tailored to help you make the most of your life’s work.