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.

10/25/2026

Your portfolio allocation from 50 to 60 should shift, but not all at once. Common ranges are 65 to 75% stocks at 50 to 52, 60 to 70% at 53 to 55, and 55 to 65% at 56 to 58, when real de-risking and a cash bucket begin. By 58 to 60, many keep 2 to 3 years of expenses in cash and still hold 50 to 60% in stocks, since retirement can last 25 to 30 years. The real risk isn’t being too aggressive, it’s never adjusting at all.

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.

10/24/2026

The IRS is counting on you to skip this deduction. For tax years 2025 through 2028, anyone 65 or older gets a new $6,000 deduction ($12,000 for a couple where both qualify), on top of your standard deduction and the age-65 add-on. It phases out above $75,000 single or $150,000 married. For a couple in the 12% to 22% bracket, that’s roughly $1,400 to $2,600 less tax every year. It lives on Schedule 1-A, so if you file by hand or a preparer misses it, it may never get claimed. Check your return to make sure that line is there.

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.

10/23/2026

The IRS wants you to overpay all year and call it a refund. The average refund this season was about $3,275, which is roughly $273 a month you handed over and got back a year later with zero interest. Retirees fall into this on autopilot, since IRA withdrawals default to 10% federal withholding. Check last year’s return, adjust your withholding to land closer to break-even, and put that money to work. Just don’t underpay, because that can trigger a penalty.

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.

10/22/2026

People may forget your birthday as you age, but the IRS never will. At 50, the 401(k) catch-up opens ($8,000 in 2026). At 60 to 63, it jumps to $11,250 for just four years. At 59½, the 10% early withdrawal penalty ends. At 62, Social Security opens, but claiming now permanently cuts your check by roughly 30%. At 65, your 7-month Medicare window opens, and missing it adds 10% to your Part B premium for every year you were late. At 73 or 75, RMDs begin, and missing one can cost you 25% of the amount you should have taken.

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.

10/21/2026

The promises I’d make myself the day I retire, and most people never write them down. Spend some of it, because you didn’t save for 40 years just to leave a bigger number behind. Don’t check the balance every day. Take the trip while your health allows it. Stay useful, keep learning, say yes more. And tell your family where everything is, because loving them means not leaving them a puzzle. Save this one for the day you retire.

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.

10/20/2026

Here's what you need to know

10/20/2026

In your 40s or 50s and haven’t checked your Social Security record lately? One mistake could follow you into retirement. Go to ssa.gov, pull up your earnings history, and go year by year. Look for years showing zero income when you worked, or numbers that are clearly too low. Your benefit is calculated from this record, and the longer you wait, the harder it is to find the old W-2s and tax records you need to fix it. Check it today, not at 62.

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.

10/19/2026

Age 26 may matter more than 65 for your kids, and it has nothing to do with retirement age. It’s when most people age off their parents’ health insurance and build their own financial foundation for the first time: their own coverage, their first real benefits, often their first 401k. A dollar invested at 26 has close to 40 years to compound, about twice as long as one invested at 45. If you have a kid approaching it, have this conversation 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.

10/18/2026

Own and rent at the same time in retirement? You can. Instead of selling your home or borrowing against it, rent out part of it: a spare bedroom, basement, in-law suite, or converted garage. You keep the equity while the monthly income can help cover property taxes, insurance, and utilities, and expenses tied to the rented space may be deductible against that income. It depends on your space, comfort level, and local rental market, but for a paid-off or nearly paid-off home, it’s income without selling or new debt.

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.

10/17/2026

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.

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2006 Market Lane
Norfolk, NE
68701

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Monday 8am - 5pm
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Wednesday 8am - 5pm
Thursday 8am - 5pm
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+14023796745

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