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Roger Fishel Financial

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Roger Fishel Financial

💡 Retirement & Wealth Education
👥 Helping pre-retirees and retirees for Less stress. More certainty in retirement
🔒 Plan smart. Protect what you built.

Enjoy the life you earned.
📅 Free strategy session below

http://www.rogerfishel.com At Roger Fishel Financial, we help retirees and pre-retirees turn decades of hard work into a confident, fulfilling retirement. Using our proprietary P3 Method — Plan • Protect • Prosper, we create clear, personalized strategies that help make income last, minimize taxes, and preserve your legacy. With 20+ years o

f experience leading top-performing financial advisory teams across the U.S. and now serving clients nationwide from our Florida base, we combine big-picture strategy with personal, relationship-driven advice. Whether you’re building a retirement income plan, optimizing Social Security, or protecting family wealth, we’ll guide you every step of the way.

💼 Services include:

Retirement income & distribution planning

Social Security optimization

Tax-efficient strategies

Estate & legacy planning

Risk management & insurance solutions

📍 Serving retirees and pre-retirees in Florida and nationwide — virtually and face-to-face.

***Anything found on our page should not be construed as advice, recommendations nor guidance. Advice, recommendations and guidance can only be proved during face to face meetings during which we take the time to listen to your needs, understand your financial objectives, and develop customized strategies tailored to your specific circumstances.***

05/04/2026

𝗧𝗵𝗲 𝗠𝗼𝘀𝘁 𝗧𝗮𝘅 𝗙𝗿𝗶𝗲𝗻𝗱𝗹𝘆 𝗦𝘁𝗮𝘁𝗲𝘀 𝘁𝗼 𝗥𝗲𝘁𝗶𝗿𝗲 𝘁𝗼 𝗶𝗻 𝟮𝟬𝟮𝟲: 𝗔 𝗖𝗼𝗺𝗽𝗹𝗲𝘁𝗲 𝗚𝘂𝗶𝗱𝗲 𝗳𝗼𝗿 𝗣𝗿𝗲-𝗥𝗲𝘁𝗶𝗿𝗲𝗲𝘀 𝗮𝗻𝗱 𝗥𝗲𝘁𝗶𝗿𝗲𝗲𝘀
Choosing where to spend your retirement years is one of the most important financial decisions you will ever make. For pre-retirees in their 50s and 60s and current retirees living on a fixed income, the difference between a tax friendly state and a high tax state can mean tens of thousands of dollars in additional READ MORE ON THE BLOG. Link in Bio 🔗

https://rogerfishel.com/most-tax-friendly-states-retire-2026/

05/04/2026

Your will doesn’t control your bank accounts.
Most parents add a child to a bank account thinking it helps the family.
What they don’t know is that joint ownership legally overrides whatever the will says.
One child gets everything. The others get nothing. And your attorney never warned you.
Here’s what actually happens when you add a joint owner:
They have full access to your money
today
At death, 100% passes to them alone Your will is completely bypassed
Their divorce or debt exposes YOUR
funds
The fix is simple. I V a power of attornev for bill help. Use a POD beneficiary for inheritance. Same result, none of the risk.
Share this with someone who needs to see it.

05/01/2026

Diversification doesn’t eliminate losses… it just spreads the risk.

That means when the market drops, your portfolio can still go down… just differently.

Most people think being “diversified” means they’re protected.

They’re not.

The real question is:
👉 Do you have a strategy for when things go wrong… or are you just hoping they don’t?

Comment CLARITY and I’ll send you a simple checklist to see how exposed your current plan really is.

04/30/2026

Social Security isn’t a retirement plan. It’s a starting point.

If most of your retirement income is coming from Social Security… you don’t have a plan, you have a gap.

It was designed to replace about 40% of your income.
That means 60% still needs a strategy.

And one of the biggest mistakes?
Not realizing how much timing matters.

Claiming at 62 vs 70 can change your monthly income by over 70%.

That’s not a small decision… that’s the difference between scraping by and actually enjoying retirement.

Pull your statement.
Run the numbers.
Build around it… don’t rely on it.

Comment SS and I’ll break down the best claiming strategy based on your situation.

04/29/2026

Most retirement plans look fine… until they’re tested.

If your plan can’t do these 4 things, it’s not a plan… it’s a risk.

✔️ Create income you can actually live on
✔️ Handle market drops + bad timing
✔️ Control taxes before they control you
✔️ Pay you for life, not just “hopefully”

Miss one of these… and everything changes.

Comment CLARITY and I’ll show you where you really stand.

04/28/2026

You didn’t earn that 401k just to hand most of it back to the IRS. The most expensive mistake of every job change, and almost nobody talks about it.

04/28/2026

𝗧𝗵𝗧𝗵𝗲 𝗪𝗶𝗱𝗼𝘄’𝘀 𝗧𝗮𝘅 𝗧𝗿𝗮𝗽: 𝗪𝗵𝗮𝘁 𝗦𝘂𝗿𝘃𝗶𝘃𝗶𝗻𝗴 𝗦𝗽𝗼𝘂𝘀𝗲𝘀 𝗶𝗻 𝗙𝗹𝗼𝗿𝗶𝗱𝗮 𝗡𝗲𝗲𝗱 𝘁𝗼 𝗞𝗻𝗼𝘄 𝗕𝗲𝗳𝗼𝗿𝗲 𝗜𝘁’𝘀 𝗧𝗼𝗼 𝗟𝗮𝘁𝗲
Losing a spouse is one of the most painful experiences a person can go through. But in the months and years that follow, many surviving spouses in Florida and across the country discover a second, unexpected blow: a dramatic increase in their tax burden. This is known as the widow’s tax trap, and it catches….READ MORE ON THE BLOG. 👇
https://rogerfishel.com/widows-tax-trap-surviving-spouse-retirement/

04/27/2026

You spent decades building your IRA.
But without a plan, the IRS could end up with more of it than your own family.
Here’s what changed and why it matters 👇
In 2020, the SECURE Act eliminated the stretch IRA. Before that, your kids could take small distributions from an inherited IRA over their entire lifetime. Manageable. Tax-efficient. Smart.
Now they have 10 years to empty the account. That’s it.
And here’s where it gets painful.
Your kids are probably in their 40s or 50s when they inherit. Peak earning years. Already in a high bracket. Now they’re forced to stack hundreds of thousands of dollars of IRA withdrawals on top of their salary.
We’re talking 32, 35, even 37 percent federal tax on money you spent a lifetime saving.
On a $500,000 IRA, that could mean $175,000 or more going straight to the IRS.
The good news? This is completely plannable. But only before you die, not after. A big IRA is a win. But it needs a plan behind it.
💬 Comment IRA below and I’ll help you think through your situation.
🔁 Tag someone who has an IRA and hasn’t thought about this yet. You might save them a six-figure tax bill.

04/25/2026

Most people doing Roth conversions are making this mistake… and it can cost them more than it saves.

Everyone says:
“Do a Roth conversion.”

And yes… it can be one of the most powerful moves in retirement planning.

But here’s what almost nobody explains 👇

That conversion?
It counts as income.

Which means…
🚨 You could get pushed into a higher tax bracket
🚨 You could trigger higher Medicare premiums
🚨 You might end up paying more than expected

All from trying to “save on taxes.”

The truth is…
It’s not about converting everything.

It’s about converting strategically
year by year…
so you stay efficient without triggering hidden costs.

Same move.
Completely different outcome.

And most people don’t realize it until it’s too late.

👉 Want to see how this applies to you? Comment TAX and I’ll break it down.

04/20/2026

The “widow’s tax trap” could quietly cost you thousands in retirement. ⚠️

Most couples never see this coming…

You spend your entire life planning together, saving together, building income together…

But when one spouse passes away, the IRS changes the rules overnight.

➡️ You go from married filing jointly… to single
➡️ Your tax brackets shrink
➡️ Your income often stays the same

That means…

💥 Same money
💥 Higher taxes
💥 Less income to live on

And it doesn’t stop there…

Social Security can become more taxable…
Required withdrawals don’t go away…
And now everything is being taxed more aggressively.

This is one of the most overlooked risks in retirement planning.

And most people don’t find out about it until it’s too late.

❤️ If this opened your eyes, hit like and follow for more ways to protect and grow your wealth in retirement.

👇 Have you ever heard of this before?

04/17/2026

Colombia is quickly becoming one of the most talked about retirement destinations for a reason.

Lower cost of living.
Modern lifestyle.
Year-round spring weather in cities like Medellín.

You can live comfortably for around $1,800–$2,500/month, with private health insurance often costing $100–$200/month. And with a Pensionado visa requiring under $1,000/month in income, it’s more accessible than most people think.

Same money… completely different life.

Would you actually consider retiring somewhere like this?

Comment if you’ve visited Colombia OR what country you’d consider retiring to 👇

Address

601 Market Street #470494
Orlando, FL
34747

Opening Hours

Monday	8am - 6pm
Tuesday	8am - 6pm
Wednesday	8am - 6pm
Thursday	8am - 6pm
Friday	8am - 6pm

Website

https://rogerfishel.com/media/, https://api.leadconnectorhq.com/widget/booking/Y4J63VKIV1LR8fz7tGV1, https://go.rogerfis

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