The Tax-free Retirement Podcast (Axios Capital Strategies)

Family Wealth and Harmony 12-20-2025

Why does 90% of wealth disappear by the 3rd generation? What causes 70% of wealth transfer from one generation to the next to fail? For those that create multi-generational wealth and maintain family harmony, what principles and practices do they adhere to? The answer is a shocking as it is simple. In this episode, we discuss what research and high net-worth advisors all observe amongst the wealthiest and their successes and failures in maintaining the family wealth. We also lay out a blueprint anyone can follow to foster multi-generational wealth.

Focus on the P.L.A.N. 1-10-17

When creating a retirement strategy, remember the acronym P.L.A.N.
Predictability - value predictability over potential
Low-correlation - strive include strategies and asset classes that do not require the market to perform in order for you to succeed
Alignment - ensure that each component of you strategy reinforces and compliments the others rather than (unknowingly) creating friction
Net-income - choosing tax-free/efficient strategies in place of tax-deferred/hostile strategies can be the difference between a retirement of plenty and one of scarcity
Also, follow along in our case study where we demonstrate P.L.A.N. in action and create 5 streams of tax-free income while increasing potential net-spendable income by 59%.

Modern Long-term Care Planning 1-17-26

By now, many have heard of the Silver Tsunami—the wave of baby boomers who currently or will shortly need some form of long-term care. This is a reality to the vast majority of retirees—now or in the future—will face. Unfortunately, most have not planned for it—either overlooking it or not being informed on the best choices for their situation. Make no mistake: long-term care planning is part of your retirement planning, whether you actively plan for it or not.
Modern advances in long-term care options have largely done away with the “use-it-or-lose-it” type of coverage that gives so many retirees understandable consternation. Further, the choice to “self-insure”—even for those that truly can afford it—is no longer good math with newer planning options. In this episode, we explore these modern approaches and give real-world case studies to demonstrate the advantages of modern long-term care planning.

8 Keys to Roth Conversions 1-31-2026

Roth conversions aren’t about avoiding taxes — they’re about deciding when, how, and at what rate you’ll pay them. Too many people focus on the micro view: “How much tax will this cost me this year?” A better question is, “How will this decision impact my entire retirement?”
Strategic conversions can create decades of tax-free income, reduce or eliminate required minimum distributions, lower Medicare premiums and Social Security taxation, and provide insulation from future tax increases. Yes, there can be short-term friction — higher taxable income or temporary IRMAA surcharges — but for many households, those are time-boxed issues in exchange for long-term control, certainty, and tax-free wealth.

5 High Level Updates for Social Security 2-14-26

In this episode of Retirement on the Horizon, we dive into 5 high-level social security updates for 2026 and how they impact your social security decisions.
Through a case study, we explore how to make your social security potentially tax-free as well as leaving nearly 3X more to heirs while not sacrificing current life style.

8 truths Wall Street Won't Tell You About Your Retirement 2-28-26

When it comes to retirement income planning, the traditional Wall Street Advice - which based on a growth approach - often falls short. There are 8 truths or principles that don't work in Wall Street's favor when you retire and need your hard-earned savings to live on. So, Wall Street is not excited to share them. 
We will. 
Herein, we tackle the 4% rule, growth vs income approaches, the "retirement red zone", sequence of return risk, and more. 

Navigating the Retirement Red Zone 3-28-26

Think of the Retirement Red Zone as the 8 to 10 year window surrounding retirement — about 4 to 5 years before, and 4 to 5 years after.What happens during this period often has a bigger impact on your financial future than the following 20 years. Sequence of returns, withdrawal timing, and tax decisions all matter more than ever. Get the Red Zone right, and retirement can feel a whole lot more secure.

The IRMAA Ambush 4-4-26

Here's the cruelest twist in retirement planning: the people most likely to get hit with IRMAA are the ones who saved the most. The harder you worked and the more you saved, the bigger the target on your back.
And that target is not small. IRMAA can derail the best laid retirement plan. 
This week, we're talking about the IRMAA Ambush — what it is, how it finds you, and what you can do about it.

The Quest for Max Income 4-11-26

More yield. Better Social Security timing. Higher returns. Retirees try all of it in the quest for maximum income. Some of it works. Some of it backfires. And almost none of it compares to the one strategy that can increase what you actually keep by 30, 40, even 50 percent — without taking a single dollar of additional risk. This week — the quest for max income.