12-15 Murph & Markus - hour 3: 49ers defensive struggles, Matt Barrows joins the show, & Ricky Pearsall's role moving forward

If you’re retiring next year, the details you handle before you give notice can make a meaningful difference.  In this episode of Protect Your Assets, The Sandman walks through what to review before you leave work, including 401(k) matching and vesting schedules (cliff vs. graded), what happens to your HSA and FSA, how PTO payouts work (including California considerations), health coverage choices if you’re retiring before 65 (COBRA, spouse coverage, marketplace plans, and Medicare timing), and key pension options that can impact income and legacy.  You can send your questions to [email protected] for a chance to be answered on air.   Catch up on past episodes: http://pyaradio.com    Liberty Group website: https://libertygroupllc.com/   Attend an event: www.pyaevents.com   Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/  See omnystudio.com/listener for privacy information.

12-15 Sportsphone KNBR Hour 1: Dieter Kurtenbach breaks down the Brandon Aiyuk saga, Ricky Pearsall filling his shoes, Ricky's injury, & the Niners team humming on all cylinders vs the TitansSee omnystudio.com/listener for privacy information.

12-15 Sportsphone KNBR Hour 1: Dieter Kurtenbach breaks down the Niners win vs the Titans yesterday, the defense needing a steadying presence at middle line-backer, & the Warriors needing to rise from the mediocre ashesSee omnystudio.com/listener for privacy information.

12-15 Niners Nightly Full Show: Dieter Kurtenbach (in for Larry), breaks down the Niners 37-24 win vs the Tennessee Titans yesterday with Jake Hutchinson & also dives into the Niners looking like a true contender in the NFCSee omnystudio.com/listener for privacy information.

12-15 Sharks Forward Tyler Toffoli joins Dirty Work on the growth of the young Sharks and takes fans through brilliant comeback win over PittsburghSee omnystudio.com/listener for privacy information.

12-15 Dirty Work Hour 4: Sharks mount epic comeback in Pittsburgh: could this be a season changing moment? Forward Tyler Toffoli joins the show after a very happy flightSee omnystudio.com/listener for privacy information.

12-15 Dirty Work Hour 3: Brandon Aiyuk's time with the 49ers is over after being placed on "left team" list; Matt Maiocco on the 49ers 10th win of the seasonSee omnystudio.com/listener for privacy information.

12-15 Matt Maiocco of NBC Sports Bay Area details the disintegration of the relationship between the 49ers and Brandon Aiyuk, plus his thoughts on Phillip Rivers as the Colts loom next weekSee omnystudio.com/listener for privacy information.

12-15 49ers play-by-play man Guy Haberman discusses 49ers defensive effort in win over Tennessee & what SF's ceiling may be given injuries around the leagueSee omnystudio.com/listener for privacy information.

12-15 Dirty Work Hour 2: the audience responds to what gives them hope regarding 49ers defense, plus PXP man Guy Haberman on 49ers win over Titans & how wide open NFC playoff race isSee omnystudio.com/listener for privacy information.