Tom Stadum
The Tax Shift
Most people don’t realize their tax life changes long before retirement. This edition breaks down how your income shifts from W2 to capital gains, where real tax planning opportunities come from, and how to think strategically at every stage. Learn the three levels of tax planning that can help you build lasting wealth and keep more of what you earn.
The AI Paradox
AI investment is fueling historic market growth, but also reshaping jobs and families’ futures. In this edition, we explore how today’s tech titans mirror the industrial giants of the past, what $400B in AI spending means for your retirement, and why investors must weigh both the rewards and risks of this new economic revolution.
The Quiet Market That Rules
Stocks continue to rise on the back of AI, government spending, and IPO momentum, but bonds are sending very different signals. Higher yields, sticky inflation, and heavy government debt are reshaping the fixed income landscape. For retirees, understanding bond exposure is critical because fixed income drives cash flow, stability, and diversification. This edition explains why knowing your bond portfolio may be the key to long-term retirement security.
Why Cash Flow Matters
Cash flow is the overlooked cornerstone of financial health. In this edition, Tom shares why even wealthy families struggle with money stress when cash flow isn’t managed—and how mastering it creates clarity and freedom in retirement. Drawing on real client stories, personal experience, and lessons from top business leaders, Tom explains why cash flow matters more than profits, how it reveals true financial strength, and the biggest traps families face when they retire.From ignoring RMDs to poor timing of withdrawals or overspending early in retirement, these mistakes can quietly erode wealth and peace of mind. Tom highlights that cash flow isn’t about perfection or penny-pinching—it’s about rhythm, consistency, and designing a retirement where wealth serves your life, not the other way around.The clear takeaway: if you don’t measure and control cash flow, no amount of money will ever feel like enough. But if you get the rhythm right, everything else falls into place.This edition is for families who want to transform financial stress into clarity, reduce tax surprises, and create the freedom to retire with confidence.
