Cortburg Speaks Retirement
Tune in every Wednesday to "Cortburg Speaks Retirement," your go-to podcast for the latest insights on investing, financial planning, and retirement strategies!
Join Certified Retirement Counselor, Miguel Gonzalez, as he delves into timely investment topics, offers expert advice on money management, and addresses common concerns about navigating the stock market.
Episodes
255 episodes
Retiring Early? What You Need to Know First
In this episode, Miguel Gonzalez, CRC, breaks down the essential financial, healthcare, and lifestyle factors to consider before retiring in your 50s—or even earlier.Cortburg Retirement Advisors is a boutique financial planning firm com...
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Season 2025
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Episode 253
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4:55
How to Handle a Market Downturn in Retirement
Worried about market drops in retirement? In this episode, Miguel Gonzalez, CRC, explains how to protect your income, manage withdrawals, and stay on track when volatility hits.Cortburg Retirement Advisors is a boutique financial planni...
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Season 2025
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Episode 252
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5:11
How Inflation Threatens Your Retirement Plan
Inflation is one of the biggest threats to retirement bug it’s often overlooked. In this episode, Miguel Gonzalez, CRC, shares how rising costs impact retirees and how to protect your income with smart planning.Cortburg Retirement Advis...
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Season 2025
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Episode 251
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5:26
Hidden Retirement Costs That Can Derail Your Plan
Retirement expenses go far beyond housing and travel. In this episode, Miguel Gonzalez, CRC, reveals the most overlooked retirement costs—like medical bills, taxes, and inflation—and how to plan for them now.Cortburg Retirement Advisors...
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Season 2025
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Episode 251
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5:21
When Should You Take Social Security? Age 62, 67, or 70?
Not sure when to claim Social Security? In this episode, Miguel Gonzalez, CRC, explains the pros and cons of taking benefits at 62, full retirement age, or 70—so you can make the smartest choice for your retirement.Cortburg Retirement A...
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Season 2025
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Episode 251
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4:23
Tax Diversification in Retirement Explained
Tax diversification gives you the power to manage taxes in retirement more efficiently. In this episode, Miguel Gonzalez, CRC, breaks down the three tax buckets and how to strategically withdraw income for long-term tax savings.Cortburg...
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Season 2025
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Episode 250
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3:19
Should You Pay Off Your Mortgage Before Retirement?
Is paying off your mortgage before retirement the right move? In this episode, Miguel Gonzalez, CRC, breaks down the key pros, cons, and strategies to help you make an informed decision.Cortburg Retirement Advisors is a boutique fin...
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Season 2025
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Episode 249
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3:19
How to Afford Long-Term Care Without Going Broke | Retirement Planning Tips
Long-term care is one of the biggest threats to your retirement savings—but it doesn’t have to be. In this episode, Certified Retirement Counselor Miguel Gonzalez shares practical, cost-effective strategies to help you prepare for future care w...
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Season 2025
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Episode 248
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3:41
What Should You Do With Your 401(k) When You Leave a Job? | 4 Smart Options Explained
When you leave a job, your 401(k) doesn’t come with you automatically. In this episode, Miguel Gonzalez breaks down your four main options—and how each one affects your taxes, investment strategy, and future growth.Cortburg Retirement A...
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Season 2024
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Episode 247
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3:29
5 Essential Social Security Strategies to Maximize Your Retirement Income
Learn 5 proven strategies to help you get the most out of your Social Security benefits. From timing your claim to minimizing taxes, Certified Retirement Counselor Miguel Gonzalez walks you through smart steps that can strengthen your retiremen...
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Season 2024
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Episode 246
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4:13
Should You Roll Over Your 401(k)? What to Know Before You Decide
If you're changing jobs or heading into retirement, you might be wondering whether to roll over your 401(k). In this episode, Miguel Gonzalez breaks down the pros, cons, and key factors to consider before making a move. Co...
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Season 2024
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Episode 245
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5:18
Is It Too Late to Save for Retirement in Your 50s? Here's the Truth
Think you’re behind on retirement savings in your 50s? It’s not too late. In this week’s episode, Miguel Gonzalez breaks down smart strategies to catch up and build a solid financial future—starting now.Cortburg Retirement Advisors ...
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Season 2024
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Episode 244
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4:51
RMD Rules Explained: What You Must Know at Age 73 and Beyond
Confused about Required Minimum Distributions (RMDs)? Learn when they start, how they work, and how to avoid costly tax mistakes in this week’s episode with Miguel Gonzalez.Cortburg Retirement Advisors is a boutique financial planning fi...
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Season 2024
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Episode 243
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4:55
Traditional IRA vs. Roth IRA: Which One Is Right for You? | Retirement Planning Explained
Understanding the difference between a Traditional IRA and a Roth IRA is key to building a tax-efficient retirement plan. In this episode, Miguel Gonzalez, CRC®, breaks down the key features, tax implications, and how to choose the right accoun...
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Season 2024
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Episode 242
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4:57
Your Finances Need an Annual Physical Too
Your finances need regular checkups to stay healthy. In this episode, Miguel Gonzalez, CRC, explains why a financial review is essential for managing life changes, boosting tax efficiency, and maintaining long-term peace of mind.Cortbur...
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Season 2024
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Episode 241
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4:08
What Is an Investment Savings Plan and Why You Need One Now
In this episode, Certified Retirement Counselor Miguel Gonzalez breaks down Investment Savings Plans (ISP)—what they are, how they work, and how to create one that fits your financial goals. Cortburg Retirement Advisors is a boutiq...
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Season 2024
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Episode 240
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5:01
How to Financially Plan to Live to 100 | Longevity & Retirement Tips
In this episode, Miguel Gonzalez, CRC®, shares key strategies to help you plan for a long life—covering healthcare, income, savings, and wellness.Cortburg Retirement Advisors is a boutique financial planning firm committed to helping yo...
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Season 2024
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Episode 239
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3:44
Smart Steps for Managing an Inheritance: A Beneficiary’s Guide
In this episode, Miguel Gonzalez, CRC®, walks you through what to expect when you inherit money—from probate to debt handling, taxes, and investment strategies—to help you make informed decisions during a difficult time.Cortburg Retirem...
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Season 2024
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Episode 238
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5:40
Are You Ready for Retirement? 5 Key Steps to Avoid Financial Stress
Miguel Gonzalez, CRC®, shares five essential steps to avoid financial strain and build the retirement you deserve.Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve yo...
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Season 2024
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Episode 237
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5:01
How Social Security Is Taxed in 2025 | Maximize Your Retirement Income
Certified Retirement Counselor Miguel Gonzalez breaks down how Social Security is taxed in 2025 and shares smart strategies to avoid surprise tax bills.Cortburg Retirement Advisors is a boutique financial planning firm committed to help...
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Season 2024
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Episode 236
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5:11
8 Smart Money Moves for HENRYs in a Volatile Market
HENRYs—High Earners, Not Rich Yet—face unique financial challenges despite strong incomes. In this episode, Certified Retirement Counselor Miguel Gonzalez shares 8 key money management and investing strategies to help HENRYs build wealth ...
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Season 2024
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Episode 235
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6:15
Estate Planning for Parents of College-Bound Kids
Before your child heads to college, make sure your estate plan is in place. Miguel Gonzalez, Certified Retirement Counselor, shares four key legal documents parents should have to protect their family's future.Cortburg Retirement Adviso...
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Season 2024
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Episode 234
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5:29
10-Year Rule for Inherited IRAs: What Every Beneficiary Needs to Know
In this episode, Miguel Gonzalez, Certified Retirement Counselor, breaks down the 10 most important facts about the 10-year rule for inherited IRAs. Learn who this rule affects, the key tax implications, and how to strategically navigate RMDs a...
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Season 2024
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Episode 233
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5:49
Finding Financial Zen: Simple Steps to Reduce Money Stress & Build Wealth
Financial stress can feel overwhelming, but finding your financial zen is possible! In this episode, Miguel Gonzalez, CRC®, shares simple yet effective strategies to create balance in your finances—helping you budget smarter, save wisely, and i...
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Season 2024
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Episode 232
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5:53
After-Tax Contributions: A Smart Strategy for Retirement Savings
Unlock the power of after-tax contributions to boost your retirement savings and reduce taxes in retirement. In this episode, Miguel Gonzalez, CRC®, breaks down how after-tax contributions, Roth IRAs, and strategic tax-free withdrawals can opti...
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Season 2024
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Episode 231
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6:24
