Financial Breakaway - by Ryan Hitchcock

Financial Breakaway - by Ryan Hitchcock Helping people break free from financial confusion & create a clear path to retirement. CPWA® Professional | Host of The Financial Breakaway Podcast.

Love talking money, golf & hockey. Proud husband, dad of two & dog. I’m a Certified Private Wealth Advisor® professional dedicated to helping mid-career to near-retirement individuals and families break free from financial confusion and create a clear, confident path to retirement. Through my Financial Breakaway Blueprint, I bridge the gap between the technical aspects of financial planning—like i

nvestment strategies, tax planning, Social Security, and withdrawal strategies—and the personal goals, lifestyle, and aspirations that make each retirement journey unique. Together, we create your very own “financial breakaway.”

Beyond my work with clients, I’m proud to serve on the NextGen Council at Osaic, contributing to the development of an industry-leading platform for the next generation of financial advisors. I’m also the host of The Financial Breakaway Podcast: Your Clear Path to Retirement, where I break down these complex retirement related topics into actionable insights. When I’m not working, you’ll likely find me on the golf course or at the hockey rink. I cherish time with my incredible wife, our two kids, and our dog, enjoying the balance between a fulfilling career and family life.
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Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.

1200 N. Mayfair Rd, Suite 300, Milwaukee, WI 53226 414-253-4600

For full disclosures visit my website: https://rhitch.com/

04/03/2026

Most people think if they are still working in the year they retire, they cannot turn on Social Security because of the income test.

That is not always true.

In your first year of retirement, there is a special rule.

Instead of looking at your income for the full year, Social Security can look at it month by month after you retire.

That means even if you earned too much earlier in the year, you may still be able to start benefits later in that same year.

This is where a lot of people get it wrong.

They delay benefits when they did not have to.

Or they miss months they could have collected.

Every situation is a little different, especially depending on timing, income, and when you actually stop working.

But the key point is this.

The income test works differently in your first year.

If you are thinking about retiring this year or next, this is something you want to get right.

If you want help walking through your situation, I am happy to take a look.

No obligation.

Link in bio to schedule.

03/20/2026

We built out a retirement plan together.

And yes, it showed the money would be used over time.

That was not a problem.
That was the plan.

The 4% rule is often used as a baseline for sustainability.

But some people choose to spend a little more.
Comfortably.
And with intention.

Because retirement is not just about making money last.
It is about actually using it

01/20/2026

Two live workshops you can join

01/18/2026

Over 59½ and still working?
There’s a 401(k) rule most people miss and it can change how you prepare for retirement

01/08/2026

Selling a property before retirement can trigger a huge tax bill, but there are options. That’s why planning before the sale matters.

01/03/2026

They could retire at 60 but here’s why they waited

12/31/2025

Thinking about a Roth conversion?

One small tax decision can materially change the outcome, especially in a lower income year.

06/27/2025

Over 40 of us from High Point Capital Group & some of our close business relationships spent the morning volunteering at Hunger Task Force Farm helping w**d around a massive bean field and getting our hands dirty for a great cause.

Hunger Task Force serves thousands of families across our community , and we were proud to support their mission with both our time and donation in coordination w/ the Osaic Foundation too.

Grateful for the chance to give back together!

05/30/2025

Wealthy families don’t just write checks, they use tools like GRATs to shift future growth to heirs without triggering gift or estate tax.

With the estate tax exemption possibly set to drop in 2026, strategies like this could become even more valuable.

Learn how GRATs work and why the IRS 7520 Rate or “hurdle rate” matters.

📞 Want to see if this fits your plan? Message me or set up a quick call.

05/12/2025

Late night thoughts: Bonds aren’t the automatic safety net they used to be. As markets shift, so does the role bonds play in a retirement portfolio…and if you’re relying on them to offset stock risk, this is worth a listenStitched a clip from In the Harbor Podcast (hosted by my longtime friend Jason Johns) features Henry Peabody of Riverhead Research breaking down why retirees need to rethink their bond strategy.Wondering what this means for your plan?Let’s chat — link in bio.

04/04/2025

The market moved fast this week—and yes, it can feel unsettling. But this is exactly what we’ve planned for.

Markets have always faced moments that feel like a crisis, from tariffs to inflation to geopolitical headlines. But history shows these moments pass—and planning is what gets you through them.

If you're close to retirement, your plan was built with volatility like this in mind.

If you're still building wealth, this is when disciplined investing matters most.

It’s not about timing the market—it’s about time in the market.

Address

1200 N Mayfair Road , Ste 300
Milwaukee, WI
53226

Telephone

(414)2534611

Website

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