Ez$ Podcasthosted By Zak Leedom, Cfp®

Most people don't think about financial risk until something goes wrong. A policy lapses. A parent sends 00,000 to a scammer. A spouse passes away and no one can find the documents. In this episode of The Retirement Fiduciary, Adam Koós, sits down with Tony Steuer, financial readiness advocate, award-winning author, and host of the podcast Get Ready Before Life Happens. Tony brings 30+ years of insurance and financial literacy experience to the conversation. Together, they dig into the most overlooked risks families face, the truth about cash value life insurance (and why it's almost never what it's sold as), the scam tactics targeting retirees and their aging parents right now, and what financial readiness actually looks like in practice. This one's packed. Episode Timestamps 03:00 – How to do a risk assessment before buying any insurance 05:00 – Cash value life insurance, LIRPs, and the "infinite banking" myth 09:00 – Surrender charges, borrowed money, and how policies collapse 15:00 – The in-force illustra