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Make It Personal Podcast

Make It Personal Podcast

Von: Mutual of Omaha Advisors
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Disclosure: This podcast is for educational purposes only. Strategies discussed may not be suitable for everyone. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC (www.finra.org) /SIPC (www.sipc.org). This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Not all Mutual of Omaha Financial Representatives are Financial Advisors. https://makeitpersonalpodcast.com/get-a-quoteMutual of Omaha Advisors Persönliche Finanzen Ökonomie
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  • She Inherited $1 Million. Then Everything Changed | EP 94

    She Inherited $1 Million. Then Everything Changed | EP 94
    Oct 22 2026
    What happens when you inherit $1 million but don't know what to do next? For one woman, a simple life insurance beneficiary change opened the door to a bigger conversation about retirement planning, financial security, inheritance planning, and protecting her family's future.In this episode of Make It Personal, host Mark welcomes Catherine Damron of Mutual of Omaha Advisors to share the story of Laura, a recently widowed mother, grandmother, and business owner who was navigating major financial decisions after losing her husband and mother.Laura had received a $1 million inheritance, but she wasn't sure how to make that money work for her retirement, her children, or future generations. She also had old 401(k) accounts, existing investments, and concerns about long-term care expenses after experiencing her mother's care needs firsthand.Through conversations with her financial advisor and attorneys, Laura explored annuity strategies, life insurance, retirement income planning, long-term care protection, and beneficiary updates. What began as a routine paperwork request developed into a coordinated financial plan designed around her goals.If you're managing an inheritance, preparing for retirement, navigating life after losing a spouse, or wondering how to protect your family's financial future, this real-life story offers valuable perspective on why financial clarity matters.What You'll Learn:→ How to approach a $1 million inheritance: Discover how Laura explored allocating half of her inheritance into a growth annuity, with the intention of later transitioning toward retirement income, while working with her financial and legal professionals.→ Why beneficiary reviews matter after major life changes: Learn how a simple life insurance beneficiary update became an opportunity to review Laura's broader financial picture, including her children, grandchildren, and legacy planning goals.→ How life insurance and long-term care planning can work together: Hear why Laura explored an indexed universal life insurance policy with long-term care benefits after witnessing the financial and emotional impact of her mother's care experience.→ Why financial clarity can be as important as financial assets: See how reviewing inherited money, old 401(k)s, retirement goals, business interests, and family protection helped Laura move from uncertainty toward greater peace of mind.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.
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    10 Min.
  • Think Like a CFO: Give Every Dollar a Job | EP 93

    Think Like a CFO: Give Every Dollar a Job | EP 93
    Oct 15 2026
    Every dollar in your financial plan should have a job. Some money should pursue long-term growth. Some should remain accessible for emergencies and opportunities. Some should protect your family, and some should provide flexibility when life or financial markets change.In Episode 93 of Make It Personal, Mark Zagurski explains how to approach personal finance like a Chief Financial Officer. A successful CFO does not place every company dollar into the same strategy or judge every financial decision only by its potential return. Instead, they evaluate cash flow, liquidity, risk, growth, protection, and the need to preserve future options.That same CFO mindset can help individuals and families build a more intentional financial plan. Mark also explores where cash value life insurance may fit into that conversation. Life insurance is not designed to replace a stock portfolio, retirement account, or traditional investment. Its primary purpose is protection. Certain policies may also accumulate cash value that can provide an additional source of control, flexibility, or support for future goals.This episode is for anyone wondering whether every financial tool must compete for the highest return, or whether the better question is what specific problem each dollar is meant to solve.What You’ll Learn:→ You’ll learn how a CFO balances growth, cash flow, liquidity, risk, and financial flexibility instead of treating every dollar the same.→ You’ll understand why life insurance should not be evaluated as though it were a stock, retirement account, or traditional investment.→ You’ll discover how certain life insurance policies may build cash value and potentially provide another source of flexibility, access, or legacy planning.→ You’ll learn why costs, commitments, policy rules, and personal goals must be reviewed before deciding whether cash value life insurance has a role in your plan.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.
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    5 Min.
  • Your RMD Is Higher Than 4%, Should You Be Worried? | EP 92

    Your RMD Is Higher Than 4%, Should You Be Worried? | EP 92
    Oct 8 2026
    What happens when your required minimum distribution is higher than the amount your retirement plan says you can safely withdraw? Does that mean you are overspending, or putting yourself at risk of running out of money?For many retirees, a large RMD can feel like the IRS is forcing them to break the 4% rule or abandon their safe withdrawal strategy. But a required minimum distribution is a withdrawal requirement, not a spending requirement. Money may have to leave your traditional IRA or retirement account, but it does not have to leave your financial plan.In this episode of Make It Personal, we explain what to do when RMD rules and safe withdrawal guidelines appear to collide. You’ll learn why an RMD does not automatically increase your lifestyle spending, how excess distributions can be reinvested in a taxable brokerage account, and how proactive tax planning may help manage future required withdrawals.We also discuss partial Roth conversions, qualified charitable distributions, retirement taxes, and why flexible income planning matters more than following one rigid formula. Retirement rules may apply broadly, but your income needs, tax situation, goals, charitable priorities, and definition of financial security are personal.What You’ll Learn:→ Why withdrawal and spending are different: An RMD determines how much must be distributed from a qualifying retirement account. It does not require you to use the entire amount for living expenses.→ How to reinvest an excess RMD: When a distribution is larger than your spending needs, the remaining after-tax money may be invested in a taxable account so it can continue supporting your long-term plan.→ How earlier tax planning may help: Thoughtful partial Roth conversions before RMDs begin may reduce future pre-tax account balances and create additional tax diversification, although the conversion itself can generate taxable income.→ How charitable giving can satisfy an RMD: Eligible IRA owners may use qualified charitable distributions to send money directly to qualifying charities, satisfy part or all of an RMD, and support causes that reflect their values. (IRS)Your appropriate strategy depends on your accounts, income, tax bracket, Medicare considerations, estate plan, goals, and charitable intentions. Coordinate major retirement and tax decisions with qualified financial and tax professionals.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.
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    4 Min.
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