The Financial Harmony™ Podcast
The Financial Harmony™ Podcast with Dr. Preston Cherry blends real financial strategy, retirement planning, and money psychology for people who want clarity without chaos. Hosted by Dr. Cherry, CFP®, Ph.D., and financial therapist, the show delivers grounded insights on investing, taxes, and aligning money with life.
Each week, Dr. Cherry shares clear, grounded insights on retirement planning, investing, tax strategy, and decision-making, alongside honest conversations about money behavior, identity, and well-being.
This show helps you reduce financial stress, make confident decisions, and align your money with the life you want to live. You’ll learn how to invest smarter, spend without guilt, and build wealth that reflects your values, not just your numbers.
No finance-bro energy.
No rage-based hot takes.
No performative advice.
Just calm authority, psychological insight, and real financial guidance for navigating markets, transitions, and life with intention.
Get 1:1 all-inclusive flat-fee financial planning, or go deeper through the Financial Harmony™ Membership for group-based fiduciary guidance, education, workshops, and community.
Live your wealth, your way.
The Financial Harmony™ Podcast
Over 50? Watch This — You’ll Catch Up on Your Retirement
🚨$250k+ household income and $500k+ assets...? You’re ready for a personalized plan! Book your FREE retirement readiness call 👉 https://www.concurrentfp.com/
Want confidence that your retirement plan ACTUALLY works? Get it inside my Financial Harmony™ membership ($115/month) 👉 https://www.concurrentfp.com/financial-harmony-membership/
Take the Gen X Retirement Readiness Quiz...📊 https://concurrentfp.typeform.com/genx-scorecard
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Over 50? Watch This — You’ll Catch Up on Your Retirement
Starting in 2026, if you earn $145,000 or more, your 401(k) catch-up contributions MUST go into a Roth - not pre-tax like before.
That’s not just a big tax change - it’s a huge opportunity for late starters in their 50s and early 60s.
If you’re between 50 and 63, this video walks you through the 5 exact steps to turn this new law into a retirement catch-up plan that works - even if you feel behind.
You’ll learn how to use super catch-ups (up to $34,750/year!), layer in Roth and brokerage savings, build a “retirement bridge” before Medicare or Social Security kicks in, and invest with confidence - not confusion.
Forget feeling late. This is your decade to win.
In this episode, Dr. Preston Cherry (Financial Planning Ph.D., CFP®, Top 10 Investopedia Advisor, and Founder of Concurrent Wealth Management) breaks down the 2025-2026 contribution limits, smart Roth planning, tax-efficient savings buckets, and how to actually retire on your terms.
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What You’ll Learn in This Video 👇
✅ The 2026 Roth catch-up rule for high earners (and why it matters)
✅ How to contribute up to $34,750/year - even if you’re starting late
✅ How to sequence savings across 401(k), Roth, HSA & brokerage
✅ Why tax diversification beats “just save more” in your 50s
✅ The “brokerage bridge” strategy to retire before Medicare
✅ How to smooth your income in early retirement without tax spikes
✅ How to build a 90-day and annual rhythm that compounds confidence
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Who Is This Video For?
📌 Gen X (50s - early 60s) professionals preparing for retirement
📌 High-income households earning $145K+
📌 Couples wondering if it’s “too late” to catch up
📌 Anyone confused by Roth rules, catch-ups, and tax strategy
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🚨 Gen X, older millennials & pre/early retirees, with $250k+ household income and $500k+ assets... Ready for a personalized plan? Book your FREE retirement readiness call 👉 https://www.concurrentfp.com/
Want clarity & control around your plan - without $6K+ annual advisor fees? Join my Financial Harmony™ membership for $115/month 👉 https://www.concurrentfp.com/financial-harmony-membership/
Take the Gen X Retirement Readiness Quiz...📊 https://concurrentfp.typeform.com/genx-scorecard
👉 Subscribe for weekly, values-aligned wealth insights: @DrPrestonCherry
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Keywords linking to this topic:
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