Adam Olson Financial Advisor CFP, LUTCF, FSCP, RICP

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Adam Olson Financial Advisor CFP, LUTCF, FSCP, RICP How much you need to retire quiz: https://adamdolson.com/retire-quiz/ Education is central to my approach, because informed decisions lead to better outcomes.

Helping financially successful people over 55 approaching retirement design tax-efficient, legacy-driven plans to protect what they’ve built and leave a meaningful impact. About Adam Olson, CFP®

As a Certified Financial Planner™ with Mutual of Omaha, I help financially successful individuals over 55 who are within 5–7 years of retirement navigate the pivotal years ahead with confidence. This stage – what I call the Red Zone Retirement™ – is when the stakes are highest, and the right strategies can make all the difference. I specialize in guiding clients who’ve built significant savings through this critical phase, helping them protect what they’ve earned, minimize taxes, and create a lasting legacy for their families. My mission is simple: to help you retire on your terms — with clarity, confidence, and peace of mind. With experience in tax-smart retirement income planning, risk management, and legacy-focused strategies, my team and I work alongside you to align every part of your financial life, including:

Pre-retirement and retirement income planning
Investment management tailored to your retirement goals
Tax-efficient strategies to help you keep more of what you’ve earned
Coordinated insurance solutions to help protect your family and lifestyle
Legacy and estate planning to pass on your wealth intentionally

I’m also the author of 21 Things You Need to Know About Money, What’s Your Plan?, and Red Zone Retirement Plan. My wife, Katie, and I live in Norfolk, Nebraska with our four boys – Hudson, Kiptyn, Tate, and Spencer – who keep us busy and grateful. Outside of work, I enjoy coaching youth sports, spending time outdoors, and relaxing at the river with my family. We serve clients nationwide, both remotely and through office locations where I’m licensed to do business. No matter where you live, if you’re approaching retirement and want a plan designed to protect your wealth, reduce your tax burden, and leave a meaningful legacy, I’d be honored to help.

10/17/2026

Think retirement planning has to be complicated? Strip it down and you only need 3 accounts. A cash reserve of 1-2 years of spending outside the market, so a bad year never forces you to sell at a loss. A tax-deferred account (IRA or 401k) as your core retirement income. And a Roth, even a small one, for tax-free income you control. Everything else usually just adds complexity.

Got questions? Visit my bio to book a free clarity call or use this link: outlook.office365.com/book/[email protected]/?ismsaljsauthenabled=true

Visit for more: www.adamdolson.com

Contact a tax/legal advisor for tax/legal advice specific to your situation. All investing involves risk, including the possible loss of principal.



Disclosure: This content is for educational and informational purposes only and should not be considered medical, legal, tax, insurance, or financial advice. Health insurance coverage, Medicare benefits, Medicaid eligibility, financial assistance programs, and hospital billing practices vary by plan, provider, state, and individual circumstances. Before making healthcare or financial decisions, consult your healthcare provider, insurance provider, or a licensed financial professional.

10/16/2026

Most couples heading into retirement have only half of the accounts they need. The six to look at: a joint taxable brokerage account, each spouse’s own IRA (a non-working spouse can have one too), each spouse’s separate 401k, a Roth for each spouse, a joint cash reserve of 1-2 years of expenses, and an HSA if either of you still qualifies. Treating retirement accounts as one household pot usually means missing a tax advantage you can’t get anywhere else.

Got questions? Visit my bio to book a free clarity call or use this link: outlook.office365.com/book/[email protected]/?ismsaljsauthenabled=true

Visit for more: www.adamdolson.com

Contact a tax/legal advisor for tax/legal advice specific to your situation. All investing involves risk, including the possible loss of principal.



Disclosure: This content is for educational and informational purposes only and should not be considered medical, legal, tax, insurance, or financial advice. Health insurance coverage, Medicare benefits, Medicaid eligibility, financial assistance programs, and hospital billing practices vary by plan, provider, state, and individual circumstances. Before making healthcare or financial decisions, consult your healthcare provider, insurance provider, or a licensed financial professional.

10/15/2026

Your first 12 months of retirement set the pattern for the next 20. Confirm every end date in writing, set up your own tax withholding, and check Rule of 55 before moving the old 401k. Update beneficiaries, build a 1-2 year cash reserve, and automate your withdrawals into a paycheck. Model your first Roth conversion while income is low, check year-end deadlines early, and compare what you spent to what you planned.

Got questions? Visit my bio to book a free clarity call or use this link: outlook.office365.com/book/[email protected]/?ismsaljsauthenabled=true

Visit for more: www.adamdolson.com

Contact a tax/legal advisor for tax/legal advice specific to your situation. All investing involves risk, including the possible loss of principal.



Disclosure: This content is for educational and informational purposes only and should not be considered medical, legal, tax, insurance, or financial advice. Health insurance coverage, Medicare benefits, Medicaid eligibility, financial assistance programs, and hospital billing practices vary by plan, provider, state, and individual circumstances. Before making healthcare or financial decisions, consult your healthcare provider, insurance provider, or a licensed financial professional.

10/14/2026

The habit that may shape your retirement more than your investments: how often you check your balance. Look daily and you’ll see red almost half the time, and a loss hurts about twice as much as a gain feels good. Look quarterly or yearly and you’re seeing the real trend, which tends to mean calmer decisions, especially once you’re withdrawing income.

Got questions? Visit my bio to book a free clarity call or use this link: outlook.office365.com/book/[email protected]/?ismsaljsauthenabled=true

Visit for more: www.adamdolson.com

Contact a tax/legal advisor for tax/legal advice specific to your situation. All investing involves risk, including the possible loss of principal.



Disclosure: This content is for educational and informational purposes only and should not be considered medical, legal, tax, insurance, or financial advice. Health insurance coverage, Medicare benefits, Medicaid eligibility, financial assistance programs, and hospital billing practices vary by plan, provider, state, and individual circumstances. Before making healthcare or financial decisions, consult your healthcare provider, insurance provider, or a licensed financial professional.

10/13/2026

Here's what savvy investors took away from Q3

10/13/2026

A calm market at all-time highs may be the most dangerous one for a retiree. There’s no warning sign, so you keep withdrawing the same amount, and in a slow, quiet decline that means selling more shares each month and locking in losses. That’s sequence of returns risk: it’s not your average return that matters, it’s whether the bad years hit right when you start withdrawing.

Got questions? Visit my bio to book a free clarity call or use this link: outlook.office365.com/book/[email protected]/?ismsaljsauthenabled=true

Visit for more: www.adamdolson.com

Contact a tax/legal advisor for tax/legal advice specific to your situation. All investing involves risk, including the possible loss of principal.



Disclosure: This content is for educational and informational purposes only and should not be considered medical, legal, tax, insurance, or financial advice. Health insurance coverage, Medicare benefits, Medicaid eligibility, financial assistance programs, and hospital billing practices vary by plan, provider, state, and individual circumstances. Before making healthcare or financial decisions, consult your healthcare provider, insurance provider, or a licensed financial professional.

10/12/2026

The mistakes that hurt your 401k change with your balance. Under $50K, not capturing the full employer match. At $50K to $250K, setting your allocation once and never rebalancing. At $250K to $500K, not knowing your fees. At $500K to $1M, staying too conservative or too aggressive without checking. At $1M and up, ignoring what happens at withdrawal and skipping Roth conversion planning before RMDs start. Different balance, different mistake.

Got questions? Visit my bio to book a free clarity call or use this link: outlook.office365.com/book/[email protected]/?ismsaljsauthenabled=true

Visit for more: www.adamdolson.com

Contact a tax/legal advisor for tax/legal advice specific to your situation. All investing involves risk, including the possible loss of principal.



Disclosure: This content is for educational and informational purposes only and should not be considered medical, legal, tax, insurance, or financial advice. Health insurance coverage, Medicare benefits, Medicaid eligibility, financial assistance programs, and hospital billing practices vary by plan, provider, state, and individual circumstances. Before making healthcare or financial decisions, consult your healthcare provider, insurance provider, or a licensed financial professional.

10/11/2026

The mistakes that hurt your IRA change depending on your balance. Under $50K, not knowing if your contribution is even deductible. At $50K to $250K, missing a low-income year to convert. At $250K to $1M, ignoring RMD planning and skipping QCDs. At $1M and up, not checking beneficiaries against the inherited IRA rules and underestimating how big RMDs get once they stack with Social Security. Most of these are avoidable if caught early.

Got questions? Visit my bio to book a free clarity call or use this link: outlook.office365.com/book/[email protected]/?ismsaljsauthenabled=true

Visit for more: www.adamdolson.com

Contact a tax/legal advisor for tax/legal advice specific to your situation. All investing involves risk, including the possible loss of principal.



Disclosure: This content is for educational and informational purposes only and should not be considered medical, legal, tax, insurance, or financial advice. Health insurance coverage, Medicare benefits, Medicaid eligibility, financial assistance programs, and hospital billing practices vary by plan, provider, state, and individual circumstances. Before making healthcare or financial decisions, consult your healthcare provider, insurance provider, or a licensed financial professional.

10/10/2026

The financial moves that matter change completely as your net worth grows. From $500K to $1M, the basics do the work: your 401k match, an emergency fund, and real insurance. From $1M to $2M, diversifying across taxable, tax-deferred, and Roth accounts starts to matter. From $2M to $5M, estate planning stops being optional. From $5M to $10M, tax strategy becomes a full-time consideration. At $10M and up, it’s about protecting and transferring wealth. The moves that got you to your first half million won’t get you to the next range.

Got questions? Visit my bio to book a free clarity call or use this link: outlook.office365.com/book/[email protected]/?ismsaljsauthenabled=true

Visit for more: www.adamdolson.com

Contact a tax/legal advisor for tax/legal advice specific to your situation. All investing involves risk, including the possible loss of principal.



Disclosure: This content is for educational and informational purposes only and should not be considered medical, legal, tax, insurance, or financial advice. Health insurance coverage, Medicare benefits, Medicaid eligibility, financial assistance programs, and hospital billing practices vary by plan, provider, state, and individual circumstances. Before making healthcare or financial decisions, consult your healthcare provider, insurance provider, or a licensed financial professional.

10/09/2026

401(k) taxes you on the way out, Roth taxes you on the way in, but there's one account that can skip both: your HSA. Contribute through payroll to potentially save another 7.65% in F**A taxes, invest the balance instead of leaving it in cash, and pay medical bills from other cash flow when you can. Save every qualified receipt, because you can potentially reimburse yourself tax-free years later while the money stays invested. If paying out of pocket would strain you, use the HSA. That's what it's there for.

Got questions? Visit my bio to book a free clarity call or use this link: outlook.office365.com/book/[email protected]/?ismsaljsauthenabled=true

Visit for more: www.adamdolson.com

Contact a tax/legal advisor for tax/legal advice specific to your situation. All investing involves risk, including the possible loss of principal.



Disclosure: This content is for educational and informational purposes only and should not be considered medical, legal, tax, insurance, or financial advice. Health insurance coverage, Medicare benefits, Medicaid eligibility, financial assistance programs, and hospital billing practices vary by plan, provider, state, and individual circumstances. Before making healthcare or financial decisions, consult your healthcare provider, insurance provider, or a licensed financial professional.

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2006 Market Lane
Norfolk, NE
68701

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