The Fiscal Physical Retirement Podcast
Smart Retirement Planning. Straightforward Advice.
Welcome to The Fiscal Physical Retirement Podcast, the show built for professionals and pre-retirees who want clarity, confidence, and control over their financial future. Hosted by Aaron Hoisington and retirement planner Ryan Nelson, founder of Alchemy Wealth Management and author of Your Fiscal Physical, this podcast delivers practical advice, expert insights, and real conversations about retirement readiness, tax-efficient investing, and long-term wealth strategies.
Whether you're five years from retirement or just starting to get serious about your financial goals, each episode simplifies complex financial topics into clear, actionable steps. No jargon. No fear. Just the guidance you need from a trusted financial advisor serving Nevada and beyond.
If you’re looking for a retirement podcast that’s approachable, insightful, and worth your time, this is it.
Subscribe now and get your Fiscal Physical. Your retirement health depends on it.
- Update frequency
- every 7 days
- Average duration
- 21 minutes
- Episodes
- 90
- Years Active
- 2023 - 2025
#29 - Portfolio Re-balancing: What is is, who should consider it, and what are the benefits vs risks?
#28 - When is enough, enough?: How to determine if you need to save more above and beyond your work’s retirement account? | Listener Question
#27 - Environment, Social and Governance (ESG): What does it mean to be an ESG investor, does it make sense, what’s the actual impact?
#26 - Target Date Funds (TDF): What is a target date fund, where are they typically found and who might best be served by using one?
#25 - Qualified Charitable Distributions (QCDs): What are QCDs? Who is eligible to take advantage of them and what are their benefits?
#24 - Flexible Spending Account (FSA): What is an FSA, who is eligible and what are the pros vs cons of using one? How do they compare to an HSA?
#23 - Health Savings Account (HSA): What is an HSA, who is eligible and what are the pros vs cons of using one? | Listener Question
#22: Interest Rates and Bond Prices: Bond prices have an inverse relationship with interest rates. What does that mean and why does this relationship exist?
Unlock the mysteries of the financial world with Ryan Nelson of Alchemy Wealth Management as we examine the counterintuitive dance between interest rates and bond prices. Ever wondered …
#21 - Required Minimum Distributions (RMDs): What are RMDs, when are you required to begin taking them, and how much do you have to take?
Unravel the mysteries of Required Minimum Distributions (RMDs) with expert guidance from Ryan Nelson of Alchemy Wealth Management, as we tackle the nuances of a topic that's crucial for…
#20 - Estate Tax: How is your money taxed when you pass it to your loved ones? Are the tax consequences different when the money transfers after you pass away vs if you give it while you are still alive?
Unlock the secrets to preserving your financial legacy without getting caught in the taxman's net, as I, Aaron Hoisington, team up with Ryan Nelson, the financial maestro from Alchemy W…
#19 - Long Term Capital Gains: Are investments gains taxed differently than income from work?
Unlock the secrets of long-term capital gains with our financial whiz Ryan Nelson from Alchemy Wealth Management, and ease the mystery around your investment taxes. We'll walk you throu…
#18 - Income Taxes: How does the progressive tax system actually work? Does extra income actually cause you to "jump up" tax brackets?
Understand the secret sauce behind the U.S. tax system as we sit down with Ryan Nelson, the financial wizard from Alchemy Wealth Management and the brains behind "Your Fiscal Physical."…
#17 - Options for Your Old 401(k): How to handle your 401(k) once you are no longer employed with your past employer | Listener Question
Have you ever found yourself at a career crossroads, pondering the fate of your 401(k) and feeling lost in the sea of financial decisions? Fear not, as we've summoned the wisdom of Rya…
#16 - Asset Location: What is asset location? How do tax implications change for the same investments depending on the account type they are owned in?
Unlock the secrets of savvy asset placement with financial wizard Ryan Nelson as we tackle the big questions about investment strategies and tax efficiency. Prepare to navigate the com…
#15 - Mutual Funds vs. ETFs: How to decide between owning a mutual fund and an ETF? Is there value to passive vs active management?
Get ready to unravel the mysteries of mutual funds and ETFs with the guidance of Ryan Nelson from Alchemy Wealth Management. This week's episode is a treasure trove of insights, where …
#14 - Exchange Traded Funds (ETFs): What is an ETF? What are the pros vs cons of ownership? Is an ETF right for you?
Unlock the secrets of Exchange Traded Funds with the help of Ryan Nelson from Alchemy Wealth Management, who joins me, Aaron, in a discussion that will alter your understanding of inve…
#13 - Mutual Funds: What is a mutual fund? What are the pros vs cons of ownership? Is a mutual fund right for you?
Unlock the mystery of mutual funds with none other than the financial wizard of Alchemy Wealth Management, Ryan Nelson. As his book 'Your Fiscal Physical' turns pages, so will your und…
#12 - Emergency Savings: Why are emergency savings important? Where to save it and how much is too much?
Unlock the secret to financial resilience as financial guru Ryan Nelson of Alchemy Wealth Management joins us to demystify emergency savings. Learn why having a safety net is more cruc…
#11 - Pro-Rata Rule: What is the Pro-Rata Rule? How to make backdoor Roth contributions when you already have Traditional IRA funds. | Listener Question
Are you navigating the murky waters of Roth IRA contributions with an income that just won't play nice with IRS limits? Have no fear; Ryan Nelson from Alchemy Wealth Management joins Ho…
#10 - Mega Backdoor Roth IRA: What is a mega backdoor Roth contribution? How is it different from a standard backdoor Roth contribution? Is it Ethical and Legal? Why might someone want to do one?
Unlock the full potential of your retirement savings with a deep dive into the mega backdoor Roth IRA, a strategy that's as mighty as it is mysterious. Together with Ryan Nelson, we ex…