How Do I Make Sure I Don’t Run Out of Money Before I Die?
The “Henssler Money Talks” hosts tackle a listener’s big question: How do I make sure my money lasts through retirement? We explore how spending shapes your financial plan, the importance of cash flow projections, and why regularly revisiting your plan can keep you on track. Additionally, we share how we determine a client’s “maximum spending” threshold—and what it means if you’re getting too close to that line.
Health Savings Accounts: The Hidden Gem in Your Financial Plan
D.J. and the “Henssler Money Talks” hosts break down Health Savings Accounts (HSAs) and explain why they’re one of the most powerful tools for saving money—thanks to their unique triple tax benefit. While many people use HSAs to pay for health care expenses as they arise, there are compelling advantages to covering those costs from other funds and allowing the HSA to accumulate, benefiting from tax-deferred growth over time.
Alternative Investments May Be Coming to 401(k) Plans
Big changes may be coming to retirement plans. On August 7, 2025, President Trump signed an executive order directing the Department of Labor to explore making private assets — including crypto — more accessible in workplace retirement plans. Supporters say it could expand diversification; critics warn of added risk.
Could Employee Ownership Be Part of Your Succession Plan?
An Employee Stock Ownership Plan (ESOP) can help business owners transition out while rewarding loyal employees with a real stake in the company’s future. Explore how ESOPs work, their tax benefits, and why they might be the right fit for your business.
Restricted Stock and Taxes: Don’t Get Caught Off Guard
Stock compensation can be a powerful wealth-building tool, but it’s also packed with tricky tax questions. The “Henssler Money Talks” hosts tackle a real-world restricted stock scenario: If taxes are withheld at grant date, but you won’t receive the stock until it vests—and you know you’ll retire before some of those shares vest—should you accept them anyway? Or is it smarter to walk away from stock you’ll never see? We break down how restricted stock works, the tax implications, and strategies to consider when your career timeline clashes with your vesting schedule.
Will an Annuity Lower Your RMD? Here’s the Real Story
The “Henssler Money Talks” hosts focus on annuities, providing our take on these investment products. Furthermore, should a retiree put $210,000 of their retirement funds into an annuity to help with Required Minimum Distributions? We’ll walk through the essential questions to ask, from the type of annuity being recommended to how it fits into a comprehensive financial plan.
Social Security and Medicare 2025 Trustees Reports: It’s Time to Address Funding Concerns
The latest Social Security and Medicare Trustees Reports are out—and the message is clear: funding shortfalls are getting closer. Learn what’s at stake, what fixes are being considered, and what you can do now to stay prepared.
Why More Control Over Retirement Might Be Better Than a Guarantee
In this episode, K.C. breaks down what it really means to retire with a pension. While guaranteed income sounds great, he highlights the often-overlooked downsides—like inflation risk, limited control, and the danger of not saving enough on your own. The Henssler Money Talks hosts also explain why even pensioned workers should consider saving independently to build flexibility and long-term security.
401(k) Plans: More Control, More Growth, More Responsibility
The “Henssler Money Talks” hosts sit down with Justin Wagner, AIF®, Henssler Financial’s Director of Business Development, to explore the real value of offering—and participating in—a 401(k) plan. For employers, we discuss the end of traditional pensions and why the shift toward defined contribution plans like the 401(k) makes sense today. On the employee side, we break down how contributions can reduce taxable income, the benefits of employer matching, the advantages of tax-deferred growth, and current annual contribution limits.
Have You Set a Retirement Savings Goal?
You can’t reach your retirement goals if you don’t know where you’re headed. Yet nearly half of workers haven’t estimated how much they’ll need to retire comfortably. Use our simple worksheet to start mapping out your retirement income needs—and get a clearer picture of where you stand.