Podcasts about retirees

What if a happier retirement has as much to do with how you spend your time as how you invest your money? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase explore the research behind retirement happiness, answer listener questions on retirement planning, and share how you can pre-order Wes's new book, The Retire Sooner Method, and unlock exclusive bonuses! • Discover why core pursuits—the activities that get you excited to start the day—are often linked to greater retirement satisfaction. • Explore the hobbies, passions, and routines most commonly found among retirees who report higher levels of happiness and fulfillment. • Review how retirement withdrawal frameworks work, including considerations around cash reserves and 4%+ distribution strategies. • Compare Equity Indexed Annuities (EIAs), dividend-focused approaches, and pension-versus-lump-sum options when evaluating retirement income choices. • Consider Roth conversions, required minimum distributions (RMDs), and other tax-planning factors that may influence long-term retirement strategies. • Evaluate the opportunities and risks that may come with concentrated RSU and company stock positions. • Understand how FDIC insurance works and what to know about coverage for savings accounts and CD ladders. Whether you're years from retirement or already there, this episode blends retirement happiness research with practical financial planning conversations. Listen to the Retire Sooner Podcast and subscribe for more discussions about retirement, investing, personal finance, and building a life you look forward to living. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, hosts Dave and Luke pay tribute to their late guest Dan Ewert, reflecting on his life, the impact he had on those around him, and the importance of cherishing loved ones. They share personal stories of loss, the challenges of life, and the joy of community engagement through their podcast. The conversation also touches on nature encounters and the significance of their podcasting journey, emphasizing the connections made along the way.  Vince Schmit joins them and shares his journey from a long career at UPS to retirement, reflecting on the challenges and decisions faced by drivers, the impact of union negotiations, and the future of the company. He discusses the emotional and financial aspects of the buyout, the influence of money in both business and sports, and personal anecdotes from his time at UPS. In this conversation, the speakers reflect on the passage of time in their work lives, the relationships formed during delivery routes, and the impact of wrestling history, particularly the story of Chris Benoit. They also discuss their experiences with podcasting, the challenges of balancing work and personal life, and the evolution of their podcasting journey. In this segment, the conversation delves into the experiences of the speakers during the COVID pandemic, their reflections on travel, and the dynamics of working in a delivery service during such unprecedented times. They share humorous anecdotes about interactions with customers and the impact of COVID on their work routines. The discussion then shifts to the podcasting experience, including the awareness of their employers about their podcast and the potential repercussions of their content. The influence of social media on their professional lives is explored, highlighting the challenges and creative expressions that arise from it. Finally, they touch on the balance between creative freedom and company policies, sharing personal stories of how their content has been received by management. The conversation wraps up with thoughts on the future of their podcast and the connections they've made with their audience. www.patreon.com/aitdpod https://discord.gg/hm8WMUKVF8    takeaways Cherish the moments with loved ones, as life is unpredictable. Community support can provide comfort during times of grief. Sharing stories helps keep memories alive and strengthens bonds. Vince reflects on the emotional transition from a long career to retirement. The buyout experience was both a gamble and a relief for Vince. Union decisions have significant impacts on drivers' futures. Vince expresses sympathy for younger drivers affected by union caps. The conversation highlights the uncertainty surrounding the future of UPS and Teamsters. Vince shares his career path and the challenges of management at UPS. The influence of money in sports parallels the business world. Vince's personal stories illustrate the complexities of working at UPS. The discussion reveals a shared concern about the union's direction. Vince emphasizes the importance of focusing on personal well-being post-retirement. Time flies when you're busy with work. Work-life balance is challenging for delivery drivers. Relationships with customers can be meaningful. The impact of wrestling history is profound. Chris Benoit's story is a dark chapter in wrestling. Podcasting requires significant effort and commitment. Listeners appreciate insider perspectives on work. The dynamics of work conversations can be complex. Personal experiences shape podcast content. The evolution of podcasting reflects changing interests. COVID travel experiences were surreal and contradictory. The pandemic changed work dynamics significantly. Podcasting became a creative outlet during COVID. Awareness of workplace dynamics affects podcast content. Social media can impact professional relationships. Creative expression can lead to pushback from employers. Humor is a coping mechanism during tough times. Personal anecdotes can resonate with a wider audience. The balance between humor and professionalism is delicate. The emotional weight of sports rivalries can shape personal identities. Coaching styles significantly impact team performance and fan expectations. Change in college football is inevitable, influenced by new dynamics like the transfer portal. Memorable experiences, including celebrity encounters, can leave lasting impressions. Humor is essential in coping with the challenges of the job. Community connection enhances the podcasting experience for both hosts and listeners. Listeners often find solace and connection through the podcast during tough times. The legacy of past guests can resonate with their loved ones long after they're gone. Future podcast plans include engaging with the audience in new ways. The hosts are committed to continuing the podcast as long as they can.    keywords podcast tribute, life reflections, trucking community, personal resilience, Dan Ewert, mental health, community support, Vince Schmit, UPS, retirement, buyout, Teamsters, union, career journey, logistics, sports, business UPS, work-life balance, time management, delivery routes, wrestling history, Chris Benoit, podcasting, relationships, personal stories, insider information COVID, travel, podcasting, workplace dynamics, social media, UPS, creative expression, company policies sports, college football, coaching, personal stories, community, podcasting, humor, celebrity encounters, sports rivalries, connection Huge shoutout to our Top Rate Legends TONY, STARLA & S_NNER   DISCLAIMER THE OPINIONS EXPRESSED OR VIEWS EXPRESSED ON THIS PODCAST ARE THOSE OF THE HOSTS AND GUESTS AND DO NOT NECESSARILY REFLECT ANY DELIVERY COMPANY        

On this June episode of The No Lazy Money Show, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth join Ryan Ermanni live on WJR to help investors and retirees navigate market uncertainty. Airing the first Wednesday of every month at 7 PM, this discussion explores how April and May 2026 delivered the market's strongest back-to-back monthly performance seen at that point since 2020, the rebound in consumer confidence, key behavioral finance lessons, and what matters most when emotions run high. Learn what you can control right now in the market and in retirement, plus practical strategies to stay focused on long-term financial goals despite short-term volatility. — ✅ Apply For A Free Retirement Planning Session ✅ peakwm.com/start-here ------------------------------ Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: https://findingtruewealth.podbean.com/ YouTube: / https://www.youtube.com/@peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: https://www.facebook.com/PeakWealthManagement/ X: https://x.com/nhopwood1 https://www.peakwm.com/   

Today I want to talk about one of the best long-term inflation hedges available to retirees: stocks.

As inflation rises, many retirees begin asking the same question: Will my retirement income still be enough 10, 20, or 30 years from now? In this episode of Think Smart with TMFG, we explore why rising costs create unique challenges for retirees, how inflation impacts retirement income, and why maintaining purchasing power becomes one of the most important long-term planning considerations. We also discuss the risks of becoming too conservative with retirement savings, why relying heavily on fixed-income investments can create challenges during inflationary periods, and how equities can help retirees keep pace with rising costs over time. Finally, we discuss the importance of flexibility in retirement planning as health needs, family circumstances, spending goals, and economic conditions evolve throughout retirement.

Most people plan their retirement like they control the date. The data says they don't. A new Society of Actuaries study found that 59% of retirees stopped working earlier than expected -- and for most of them, the decision wasn't theirs. Health setbacks, job loss, caregiving demands, and plain old job dissatisfaction all showed up before the spreadsheet said it was time. Joe and OG dig into what the numbers actually mean, who's most at risk, and the specific steps that create real flexibility before retirement finds you. OG and Anna follow with a full walkthrough of equity compensation -- RSUs, ESPPs, and stock options -- including the tax surprise that catches most people off guard.What You'll Walk Away WithWhy 59% of retirees left the workforce earlier than they planned -- and why only 6% left laterThe income gap nobody talks about: how high earners retire early mostly because they wanted to, while lower earners are pushed out by health and job lossWhy Coast FIRE math falls apart the moment your income stream stops before you planned -- and what that means for how aggressively you should be saving right nowThe one manager change that can end a 20-year career overnight -- and why keeping your network warm is one of the most underrated retirement prep moves availableThe 30-year mortgage paid like a 15-year analogy: why building financial margin now means retirement can happen on your terms, not someone else'sHow to prepare for the emotional side of early retirement -- including the identity shift, the relationship changes, and the pent-up demand that makes the first year unexpectedly wildRSUs versus stock options versus ESPPs: what each one actually means, how they're taxed differently, and why getting a grant without a strategy is the most expensive mistake in equity compThe 5-10% concentration rule: how much of your net worth should be tied to company stock -- and why your paycheck counts in that mathThe RSU tax trap: why your company withholds at 22% but you might actually owe 37% -- and why spending all your RSU money on a pool before April is a terrible ideaStacker Kiki's accountability letter: the complete list of what she's cutting, what she refuses to cut, and why the gamification of frugality is more powerful than white-knuckling itWhy This Matters NowYou may not get to choose your retirement date. But you do get to choose how prepared you are for the day it arrives. The people in this study who retired early by choice had one thing in common: they'd built enough margin that the choice was actually theirs.From the BasementJoe and OG dig into a USA Today piece on the surprising frequency of unplanned early retirement -- and what to do about it before the decision gets made for you. OG and Anna deliver episode five of their financial basics series with a full equity compensation walkthrough, including the tax withholding gap that sends people to April with surprise bills. Doug arrives with Mickey Mantle trivia. A community poll on how often Stackers check their portfolios during headlines produces results that are more honest than most people expected. Stacker Kiki writes a detailed letter about her intentional spending cuts, and OG quietly admits he's been burning through hotel shampoo samples all year.Resources MentionedSociety of Actuaries Retirement Risks Survey -- released May 2026; linked at stackingbenjamins.comUSA Today -- "Most of Us Retire Earlier Than Planned. Here Are the Top Reasons." by Daniel DeVise; linked at stackingbenjamins.comStacking Benjamins Basics Guide -- season one and season two workbooks free at stackingbenjamins.com/basicsguideStacking Benjamins Scorecard -- stackingbenjamins.com/scorecardStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201; Kevin Bailey's hot take on this week's pieceStacking Benjamins YouTube channel -- full OG and Anna equity comp series; youtube.com/stackingbenjaminsStacking Benjamins BAD Groups -- meetups in Boston, Seattle, Twin Cities, Mankato, Tucson, and more; stackingbenjamins.com/badStacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today, I'm honored to welcome Bill Bengen to the podcast. Bill is widely known as the father of the 4% Rule and as one of the most influential retirement-income researchers in history. His groundbreaking research transformed the way financial advisors and retirees think about generating sustainable income in retirement, and his work continues to shape retirement planning decades after its initial publication. Over the past 30 years, Bill has studied hundreds of historical retirement scenarios to better understand how retirees can spend confidently without the fear of running out of money. In his latest book, A Richer Retirement: Supercharging the 4% Rule to Spend More and Enjoy More, he challenges many assumptions people have about retirement spending and financial security. In our conversation, Bill addresses one of the biggest misconceptions about the 4% Rule, which was never intended to be a spending target for everyone, why inflation remains the greatest threat to retirement income, and how market valuations impact sustainable withdrawal rates. Bill also shares his views on diversification, annuities, retirement spending, and the common reasons retirees continue to underspend despite having more than enough. GET A FREE COPY OF BILL'S BOOK, A RICHER RETIREMENT: SUPERCHARGING THE 4% RULE TO SPEND MORE AND ENJOY MORE Here's how: Step 1: Subscribe to the podcast and leave an honest rating & review on iTunes. Step 2: Text the word BOOK to 888-599-4491, and we'll send you a link to claim your free copy! In this podcast interview, you'll learn: Why the original 4% Rule was designed around the worst retirement scenario in modern history. How Bill's research evolved from a 4% withdrawal rate to 4.7% through broader diversification. Why inflation remains the single greatest threat to a retiree's long-term success. How market valuations influence sustainable withdrawal rates and retirement income planning. Why many retirees could safely spend more than they currently believe. Why planning horizons should extend well beyond your projected life expectancy. Show Notes: HowardBailey.com/569

A lot of investors have written off bonds after 2022. In this episode, Paddy Delaney explains why that conclusion is based on a misreading of how bonds work — and what the historical data actually shows. The 10-year US Treasury yield went from under 6% to over 11% during the 1970s. Bonds still returned 5.4% per year. The worst single year was a loss of less than 1%. If bonds survived that rate environment, what does it mean for the environment we are in today? In this episode: - How bond returns are calculated (starting yield and duration) - Why rising interest rates improve your future bond returns, not reduce them - What the 1970s data shows, using Damodaran historical records - What this means practically for anyone with bonds in an ARF or occupational pension - A short note on lifestyling: being moved into bonds automatically is very different from choosing to hold them This episode is relevant if you are approaching retirement, already in retirement, or reviewing an ARF or pension that includes a bond allocation. If you would like to talk through your own situation, book a Clarity Call at www.informeddecisions.ie Full blog post: www.informeddecisions.ie/post/bonds-arf-retirement-ireland  • All Informed Decisions podcast episodes: www.informeddecisions.ie/podcast/   ABOUT THE SHOW The Informed Decisions podcast is hosted by Paddy Delaney QFA RPA APA — independent, fee-only retirement planner in Ireland. The podcast and the blog at informeddecisions.ie are educational resources for Irish professionals, business owners, and high-net-worth individuals navigating retirement, tax efficiency, and investment strategy. Find Paddy at www.informeddecisions.ie   TIMESTAMPS 00:00 Introduction to Bonds and Market Perceptions 02:43 Understanding Bonds: Their Role and Functionality 05:20 The Impact of Interest Rates on Bond Investments 08:20 Predictability of Bond Returns and Historical Context 11:11 The Mechanics of Bond Funds and Their Advantages 14:01 Current Bond Market Landscape and Future Outlook 17:03 Strategic Considerations for Investors and Pension Holders 19:46 Common Misconceptions and Mistakes in Bond Investing 22:25 Key Takeaways and Final Thoughts   DISCLAIMER This podcast is for general educational purposes only. It does not constitute personalised financial advice. Figures and rules referenced reflect the position as at May 2026 and are subject to change. Always speak to a qualified, independent financial advisor about your specific situation.

Retirement confidence has hit its lowest point since post-COVID — and for good reason. From skyrocketing Medicare premiums to housing costs, Social Security uncertainty, growing debt, and the crushing weight of caregiving, retirees are facing a financial storm no one fully planned for. In this episode, Terry, Richard, and Pam break down the top 5 worries from the brand-new 2026 Retirement Confidence Survey (Employee Benefit Research Institute) and, more importantly, what you can actually do about them. What we cover: Why 40% of retirees say expenses are higher than expected The shocking truth about Medicare costs in 2026 (Plan G premiums up 40%!) How housing — even if you downsize — can blow up your retirement budget Social Security: what the 2033 trust fund depletion really means for YOU The debt crisis is quietly growing among retirees (39% are affected) Why 74% of workers plan to work in retirement — but only 31% actually do Caregiving: the retirement wildcard nobody budgets for Links: EBRI 2026 Retirement Confidence Survey These are the top 5 things retirees are worried about right now (Richard Eisenberg) IRMAA Increases Medicare Premiums (Terry Savage) Inflation Isn't the Real Problem: Having No Plan to Account for It Is (Pam Krueger) National Foundation for Credit Counseling

In this episode, the Retire While You Work® team answers listener-submitted questions on some of the most important financial conversations families face. From teaching kids healthy money habits and knowing when to discuss inheritance with your children, to building a strong financial foundation as a young family and preparing for retirement as a couple, the team shares practical insights and perspectives to help you navigate each stage of life with confidence.Have a question you'd like us to cover in a future episode? Leave it in the comments.

From pickleball to Hyrox, the way China is getting fit is changing. Across the country, 800 million people took part in outdoor sports last year. Retirees. Office workers. Mothers. They are turning courts and trails into offline social platforms. They are not here to win or get attention. They are here for the experience. On the show: Fei Fei, Steve & Yushan

(1) Liz Peek discusses the K-shaped economy, where wealthy retirees flourish while lower-income citizens struggle with inflation and high gasoline costs. The Iran war significantly impacts oil prices, threatening real wage growth.

Last week, we covered why Roth conversions can beso powerful in retirement planning.This week, we're talking about what can go wrong.In this episode, I walk through 12 real-world hurdles and“landmines” that can shrink — or completely eliminate — your Roth conversion window. These are the exact issues I see with retirees and pre-retirees whohave built substantial wealth in traditional IRAs, 401(k)s, and other tax-deferred accounts.We cover:Social Security timing Pension income Spousal employment Selling a business Deferred compensation plans IRMAA surcharges ACA premium tax credits Inherited IRAs and the 10-yearrule Tax-inefficient investments The new senior bonus deduction And more.If you're planning for retirement and want to minimizelifetime taxes while maximizing flexibility, this episode will help you avoid some very costly mistakes.I hope you find it helpful.-Kevin⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠visit my website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⛳ PFR Nation (Who This Is For)If you're over 50, have saved seven figures (or multipleseven figures), love golf and travel, and you want to make work optional whileminimizing taxes… welcome to the right place.***This is for general education purposes only and shouldnot be considered as tax, legal or investment advice.

What separates confident retirees from everyone else? This episode with Damon Roberts & Matt Deaton breaks down the key habits behind successful retirement strategies, from consistent saving to managing risk and building income. The discussion highlights how preparation, not guesswork, shapes financial outcomes over time. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

One of the biggest challenges retirees face is balancing the need for portfolio growth with the need to protect hard-earned savings. With markets near record highs, valuations elevated, and investor sentiment increasingly optimistic, when should retirees consider reducing portfolio risk? Lance Roberts discusses the principles of risk management for retirees and why successful investing is often more about protecting capital than maximizing returns. Here's a topical rundown of today's show: 0:00 - INTRO 0:50 - End of Quarter - Looking forward to June & July 3:24 - Hurricane Season Fun 4:51 - Easy Market Breeds Investor Complacency - No One Wants Insurance 11:47 - RIA Website Tour 15:42 - Viewer Email: What to Do As Market Correction Approaches? 17:35 - Get Invested! 19:01 - The Most Important Commodity - Time 20:24 - Risk Management is NOT Market Timing 21:22 - What is the Definition of Risk? 25:28 - Risk Management vs Market Timing 30:16 - The Math of Loss 32:00 - The Myths of Investing 34:45 - Investor Psychology 34:45 - Investor Psychology 38:37 - Write Rules Down 40:09 - How to Get Back In Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/2d6jS369BWM ------- Articles Mentioned in Today's Show: "15 Investing Rules To Win The Long-Game" https://realinvestmentadvice.com/resources/blog/15-investing-rules-to-win-the-long-game/ "Risk Management For Retirees: When To Reduce Exposure:" https://realinvestmentadvice.com/resources/blog/risk-management-for-retirees-when-to-reduce-exposure/ ------- Watch today's "Before the Bell" feature, "Portfolio Insurance Before the Pullback?" here: https://youtu.be/N5vR32ESAeY ------- Watch our previous show, "Investor Anxiety, Roth Strategies, and Retirement Reality," https://youtube.com/live/ZL8lA-xHlMs ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series presentation, "A SimpleVisor Tutorial," Thursday, June 4, 2025 at Noon: https://streamyard.com/watch/MwairsimgmnS --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketCorrection #PortfolioProtection #RiskManagement #InvestingStrategy #StockMarket #RetirementPlanning #Investing #RetirementIncome #FinancialPlanning

One of the biggest challenges retirees face is balancing the need for portfolio growth with the need to protect hard-earned savings. With markets near record highs, valuations elevated, and investor sentiment increasingly optimistic, when should retirees consider reducing portfolio risk? Lance Roberts discusses the principles of risk management for retirees and why successful investing is often more about protecting capital than maximizing returns. Here's a topical rundown of today's show: 0:00 - INTRO 0:50 - End of Quarter - Looking forward to June & July 3:24 - Hurricane Season Fun 4:51 - Easy Market Breeds Investor Complacency - No One Wants Insurance 11:47 - RIA Website Tour 15:42 - Viewer Email: What to Do As Market Correction Approaches? 17:35 - Get Invested! 19:01 - The Most Important Commodity - Time 20:24 - Risk Management is NOT Market Timing 21:22 - What is the Definition of Risk? 25:28 - Risk Management vs Market Timing 30:16 - The Math of Loss 32:00 - The Myths of Investing 34:45 - Investor Psychology 34:45 - Investor Psychology 38:37 - Write Rules Down 40:09 - How to Get Back In Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/2d6jS369BWM ------- Articles Mentioned in Today's Show: "15 Investing Rules To Win The Long-Game" https://realinvestmentadvice.com/resources/blog/15-investing-rules-to-win-the-long-game/ "Risk Management For Retirees: When To Reduce Exposure:" https://realinvestmentadvice.com/resources/blog/risk-management-for-retirees-when-to-reduce-exposure/ ------- Watch today's "Before the Bell" feature, "Portfolio Insurance Before the Pullback?" here: https://youtu.be/N5vR32ESAeY ------- Watch our previous show, "Investor Anxiety, Roth Strategies, and Retirement Reality," https://youtube.com/live/ZL8lA-xHlMs ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series presentation, "A SimpleVisor Tutorial," Thursday, June 4, 2025 at Noon: https://streamyard.com/watch/MwairsimgmnS --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketCorrection #PortfolioProtection #RiskManagement #InvestingStrategy #StockMarket #RetirementPlanning #Investing #RetirementIncome #FinancialPlanning

Retirement is supposed to be one of life's most rewarding chapters. Yet many retirees quietly struggle with concerns they rarely discuss—even with family members. In this episode, Dr. Drew Stevens explores the emotional side of retirement and reveals the fears that often keep retirees awake at night, including concerns about running out of money, healthcare costs, market volatility, and maintaining independence. You'll learn why retirement is as much a psychological transition as it is a financial one and how a well-designed retirement income plan can help replace uncertainty with confidence. Whether you're approaching retirement or already living it, this episode offers valuable insights into creating a more secure and fulfilling future. Enjoying the podcast? Subscribe, leave a review, and share this episode with friends and family who are planning for retirement. To learn more about retirement income planning and wealth strategies, visit: www.wisdomtowealth.com Wisdom to Wealth — Turning Financial Complexity into Retirement Confidence.

After decades of saving and investing, how do you know when it's okay to truly enjoy your money? In this episode of Money Matters, Scott and Pat help a couple with nearly $8 million determine how much home they can comfortably afford after relocating to Florida, while another listener with more than $12 million asks whether Roth conversions still make sense given today's tax rules and retirement tax planning environment. They discuss retirement tax planning strategies, the dangers of chasing “popular” AI stocks, and how AI-powered scams are targeting investors and older Americans. What You'll Learn: -When Roth conversions can help lower future taxes -How much house people can realistically afford -Better retirement tax planning strategies -How to invest more tax efficiently -Warning signs of today's most common financial scams Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

Could one outdated beneficiary form, missing trust provision, or overlooked document completely derail the legacy you intended to leave behind?  Topics covered in this episode:  The biggest misconceptions retirees have about wills vs. trusts Why beneficiary designations can override your will The real purpose of a revocable living trust, and what it does NOT do Why estate planning failures often come down to poor account titling and coordination How trusts can protect children, spouses, and inherited assets from divorce, lawsuits, or poor financial decisions Today's article is from The Retirement Manifesto titled, Do You Really Need a Trust? And Other Estate Planning Questions Retirees Ask Most. Listen in as Founder and CEO of Howard Bailey Financial, Casey Weade, breaks down the article and provides thoughtful insights and advice on how it applies to your unique financial situation. Show Notes: HowardBailey.com/567

In this episode of Sherapy with Sheri & Randy, we talk about the places retirees and older adults don't always feel comfortable going anymore — and why. From crowded shopping centers and loud restaurants to self-checkout lanes, Disneyland and technology-heavy stores, aging can quietly change how we experience the world around us.This honest and relatable conversation explores retirement life, getting older, overstimulation, changing confidence, social anxiety, and choosing peace over chaos after 50 and 60. If you've ever thought, “This place just feels different now,” you're not alone.With humor, heart, and real talk, Sheri & Randy share personal experiences about aging, retirement, mental wellness, and adapting to a fast-changing world.

WANT RETIREMENT PLANNING HELP? SCHEDULE YOUR FREE PORTFOLIO REVIEW with Thoughtful Money's endorsed financial advisors at https://www.thoughtfulmoney.comWe're trying something new I've been wanting to do for a while: inject more videos focusing on the best practices of wealth buildingToday Julia Lembcke, Certified Financial Planner and Managing Director at URS Advisory tells about about how the preferred sequence to use when withdrawing funds from your various forms of retirement accounts.Account withdrawal order is VERY important. And it's one that most people actually get backwards.To learn how to potentially save yourself thousands -- if not hundreds of thousands of dollars in taxes in retirement, watch this video.#retirementplanning #retirement #taxsavings _____________________________________________ Thoughtful Money LLC is a Registered Investment Advisor Promoter.We produce educational content geared for the individual investor. It's important to note that this content is NOT investment advice, individual or otherwise, nor should be construed as such.We recommend that most investors, especially if inexperienced, should consider benefiting from the direction and guidance of a qualified financial advisor registered with the U.S. Securities and Exchange Commission (SEC) or state securities regulators who can develop & implement a personalized financial plan based on a customer's unique goals, needs & risk tolerance.All the details on Thoughtful Money's relationship with the financial advisors it endorses, many of whom regularly appear on this program, can be found in the following documents. We highly recommend you review these documents as they cover the terms that will apply should you choose to work with one of these firms at any time after watching this video.Thoughtful Money Disclosure Document: https://thoughtfulmoney.com/wp-content/uploads/2023/12/Thoughtful-Money-Disclosure-Document-12.6.23.pdf?pid=227Thoughtful Money Agreement: https://thoughtfulmoney.com/wp-content/uploads/2024/11/Thoughtful-Money-Agreement-Agreement.docx?pid=227IMPORTANT NOTE: There are risks associated with investing in securities.Investing in stocks, bonds, exchange traded funds, mutual funds, money market funds, and other types of securities involve risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods.A security's or a firm's past investment performance is not a guarantee or predictor of future investment performance.Thoughtful Money and the Thoughtful Money logo are trademarks of Thoughtful Money LLC.Copyright © 2026 Thoughtful Money LLC. All rights reserved.

If you're approaching retirement with a large 401(k) or IRA balance, this episode could save you and your beneficiaries hundreds of thousands in future taxes.In this episode I'll break down 7 strategic reasons to consider Roth conversions and explain when Roth conversions actually make sense for retirees and pre-retirees.Too many financial “gurus” push Roth conversions as a one-size-fits-all strategy. In reality, timing matters. Tax brackets matter. Medicare premiums matter. Legacy planning matters.You'll learn:✔️ How Roth conversions can reduce future RMDs (Required Minimum Distributions)✔️ Why retirees get trapped by large IRA balances later in life✔️ The hidden “widow penalty” surviving spouses face✔️ How Roth IRAs can create tax-free retirement income flexibility✔️ Why the SECURE Act changed inherited IRA planning forever✔️ How Roth conversions may protect your children from massive tax bills✔️ The best Roth conversion window for retirees ages 55–75✔️ When NOT to do Roth conversions✔️ How market downturns can create Roth conversion opportunities✔️ The impact Roth conversions can have on IRMAA, Social Security taxation, ACA subsidies, and Medicare premiumsWhether you have $1M, $3M, or more saved for retirement, understanding Roth conversion planning could dramatically improve your retirement income strategy and long-term tax efficiency.

What investment habits can quietly hurt your retirement plan? In this episode of Dollars & Sense, Chet and Rob break down 7 common investor behaviors that can create unnecessary risk for retirees—from holding too much cash and trying to time the market to ignoring taxes, chasing yield, skipping rebalancing, overreacting to headlines, and failing to adjust your strategy over time.  If you are retired or getting close to retirement, this conversation will help you think more clearly about how your portfolio, withdrawal strategy, and long-term plan should work together. The goal is not perfection—it is discipline, clarity, and making thoughtful decisions that support your lifestyle over the long run.  In this episode, we cover: • Why too much cash can create inflation risk • How market timing can hurt long-term returns • Why tax-efficient withdrawals matter in retirement • The hidden danger of chasing yield • Why rebalancing is essential • How reacting emotionally to news can backfire • Why your investment plan should evolve over time  If you enjoy practical retirement planning conversations like this, be sure to like, subscribe, and share this episode with someone preparing for retirement or already living in it. 

A massive $124 trillion is expected to pass from one generation to the next over the next 20 years, but most families aren't talking about it. In this episode, Retirement Planners Loren Merkle and Clint Huntrods break down why inheritance conversations are often avoided, the disconnect between parents and children, and how a lack of communication can impact both finances and family relationships.You'll also hear a hypothetical example of how tax planning can significantly affect what beneficiaries actually receive, and why having a clear plan before the transfer is so important. Whether you plan to share the details or keep things private, one thing is clear: planning ahead can make all the difference.--Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/47ZRb2c

New Total Wealth and Wellness Radio episodes post every Saturday.

Two retirees. Same $1 million portfolio. Same 60/40 allocation. Same 4% withdrawal rate. Same 30-year retirement. The only difference? One retired in 1973. The other retired in 1975.  Fast forward 30 years: one finished with about $280,000 and the other finished with over $3 million. Same plan. Just two years apart. In this episode, I'm breaking down new research that analyzes nearly a century of market history to answer a question most retirement plans don't spend enough time on: "How much does your exact retirement date shape the outcome of your plan?" Here's what you'll learn: → Why retirement timing may matter more than your withdrawal rate or asset allocation  → Why a larger nest egg at retirement has historically led to worse outcomes → A 3-part playbook, in priority order, for protecting your plan when the starting point looks unfavorable Most retirement strategies focus on what happens after you retire. But this research suggests the year you walk away from work may deserve a much bigger seat at the planning table. ***

Christina Hello, everyone, I'm Christina Darnell, the managing editor of MinistryWatch. Welcome to the MinistryWatch podcast. In today's extra episode, I talk with Warren Smith about some news items that are slightly (even significantly) outside of our normal charity and philanthropy “beat.” So, Warren, what's up first? Warren Fidelity Charitable has released an interesting study.  Among the findings: “Most pre-retiree and retiree givers (ages 50-80) are committed to giving and avidly supporting their favorite causes. Of the donors surveyed, over half of pre-retirees (56%) and retirees (59%) gave $1,000 or more—and 17% of all donors gave $5,000 or more—to IRS-qualified charities in 2023.” Christina Fidelity Charitable may think that level of support is “avid,” but it sounds pretty anemic to me. Warren It is. Retirees and so-called “pre-retirees” both give far less than the biblical tithe, or 10 percent of their income, taken in the aggregate. That said, working people in their 50s and 60s are often in their peak earning years, and often have their home paid for and their kids through school, so there is some evidence that they are giving more, just not a lot more relative to their income. Christina Any other interesting findings in this study? Warren The Fidelity study found that “more than three-quarters of these pre-retirees and retirees (78%) say that charitable giving plays a significant or pretty important role in their lives” and “almost one-quarter of pre-retirees and retirees (24%) say charitable giving is much more important than other financial priorities.” Christina Retirees are also spending more time as volunteers. Warren “In the last year, over two-thirds of pre-retirees (71%) and over half of retirees (55%) volunteered,” the report said. “Nearly 9 in 10 retired respondents who currently volunteer agree that volunteering is a way to remain active (88%) and connected (91%).” Christina Let's shift gears. The Anglican Church in North America has been in the news lately because of its chaplain corps. There was an ugly split a few months ago. But today, some good news. Warren Rear Admiral Carey H. Cash, an ACNA (Anglican Church in North America) chaplain, is the new Chief of Chaplains for the United States Navy Chaplain Corps. Rear Admiral Cash will provide spiritual leadership and pastoral oversight for Navy, Marine Corps, and Coast Guard personnel and their families, strengthening spiritual readiness, moral resilience, and compassionate care in the midst of the unique challenges and demands of military service. Christina Warren, I already know that you are sucker for data and lists. Forbes magazine has a new list out, its annual list of billionaires. What can that list say, and what does it mean? Warren The new annual list from Forbes says there are now 3,428 billionaires on Earth. In 1987, the year Forbes started keeping track, the list had 140 names. The list included more than 400 new entries to the list. The growth of rich and super-rich motivated Washington Governor Bob Ferguson to sign into law the state's first income tax of any kind — a 9.9% “millionaires' tax” on income over $1 million. Christina And even some Christian groups are chiming in the subject. Warren The Christian online journal Mere Orthodoxy has an interesting analysis of the list. Its conclusion: the current wealth inequality is unjust. Christina But you disagree with most of the conclusions of this article. Warren I do. Most of the billionaires are rich because of their ownership in companies that create tens of millions of jobs. And there is that most important and overlooked fact of all in this conversation, and that is that we all die, and none of us take it with us. Most if not all the billionaires on the Forbes list got there because they built companies and stewarded them over time. Their personal wealth is usually incidental to the wealth they have created for others. Now, don't get me wrong. I think – as the Bible teaches – that those with wealth have much greater responsibilities. To whom much is given, much is expected. And the Bible has special condemnation for those of us who have wealth and yet ignore the poor, or structural injustices. But to make a blanket statement about the inherent injustice of wealth are painting with too broad a brush, and are ignoring many wealthy yet honorable people of the Bible. But, in a spirit of equanimity, here is the article. You can decide for yourself if its arguments hold water. Christina I also know you cover the world of journalism. And there have been some changes in the conservative journalism space. Warren The Daily Wire, after having its day in the sun, appears to be on the decline. The online magazine Puck recently reported a “sudden, precipitous decline of Ben Shapiro's Daily Wire,” with “sweeping layoffs and a steep drop-off in audience.” Christina On the other hand, the more even-handed Dispatch seems to be thriving. Warren I was particularly pleased to hear that The Dispatch had promoted my friend Michael Reneau to Executive Editor. According to a statement from The Dispatch, “Michael got his start in local journalism in East Tennessee, rising through the ranks to serve as editor of The Greeneville Sun before moving to national journalism, and eventually serving as editor of WORLD Magazine.” Christina You wrapped up your Signs and Wonders column this week with a few statistics from THINQ. Warren I was stopped in my tracks by some recent factoids from my friends at THINQ, the Nashville-based ministry led by Gabe Lyons. Among their gleanings: 23.7% of all Christian clergy in the U.S. are women, up from 2.3% in 1960. (Axios). And almost a quarter of American women aged 60 and over (24.3%) are on antidepressants. (CDC) You can sign up for THINQ's email bulletins here. Christina You're recording today from Dallas. That's the latest stop in what seems to be a lot of travel this spring. Warren I have had a lot of travel, but I'm not suffering. It has been tiring, but a lot of fun. It was a delight to meet with about 25 MinistryWatch supporters in Dallas this week. It is always fun to tell our story, but to tell it to such an enthusiastic and knowledgeable audience is even more fun. We will be doing similar events in upcoming weeks in Knoxville, Denver, and Colorado Springs. Let me know if you would like to join us. My email is wsmith@ministrywatch.com. Christina That brings to a close this EXTRA episode of the podcast. The producer for today's program is Jeff McIntosh. I'm Christina Darnell, along with Warren Smith. Until next time, may God bless you.

For decades, homeownership has been one of America's most trusted paths to building wealth. But what happens when that equity doesn't deliver the financial security retirees expect? In this episode of Real Estate News for Investors, Kathy Fettke breaks down new research showing that older homeowners may be selling their homes for less than younger sellers, often due to deferred maintenance, outdated properties, and the growing appeal of quick cash offers.   With Americans over 70 now holding trillions in housing wealth, this emerging trend could create both financial challenges for retirees and new opportunities for real estate investors. Kathy explores what's driving the discount, why today's buyers are more selective, and how this demographic shift could reshape the housing market in the years ahead. Sources:  https://www.nytimes.com/2026/05/09/business/retirement-home-equity-selling-your-house.html   https://www.housingwire.com/articles/retirees-home-equity-financial-shortfalls/ 

Join Dr. David and Marc the Cop as we talk about retirement and our law enforcement retirees. Check in on your retired officers and their surviving family members. It means a lot to them.

Living in Vienna, Austria with Nikolett Kustos: An Expat's PerspectiveDiscover the nuances of life in Vienna through Nikolett Kustos's experiences as a Hungarian-born photographer and resident. From cultural differences to practical cost-of-living insights, this episode offers a comprehensive view of what makes Vienna a unique and appealing place to live.In this episode:Nikolett's journey from Hungary to Vienna and her reasons for stayingThe cultural similarities and differences between Austria and HungaryVienna's social attitude and community dynamicsClimate, geography, and proximity to neighboring countriesCost of living: housing, utilities, transportation, and groceriesWalkability and public transportation systemThe vibrant LGBTQ community and safety in ViennaResidency, visa options, and bureaucratic processesLanguage considerations and expat integrationHealthcare system quality and accessCrime levels and safety perceptionsAustrian cuisine and culinary sceneCoffee culture and social habitsTrade-offs of living in Vienna compared to the USWhy Vienna is an ideal place for retirementAustria's tax environment: no wealth tax, no inheritance or estate taxesTimestamps:00:00 - Introduction to Nikolett and her background02:00 - Reasons for moving to Vienna and cultural similarities with Hungary05:15 - Vienna's social attitude and community feel07:30 - Climate, geography, and travel opportunities around Austria10:00 - Cost of housing: old vs. new buildings13:00 - Cost of utilities and telecommunications15:00 - Transportation costs, public transit, and walkability19:00 - Safety and crime rates in Vienna21:45 - Food culture: traditional and international cuisine25:30 - Coffeehouse scene and social habits29:00 - Expat community and language in Vienna33:50 - LGBTQ visibility, pride, and community safety36:45 - Residency options, visa processes, and bureaucracy43:00 - Healthcare system and quality of medical services50:00 - Taxes, income tax, and international tax liabilities55:30 - Austria's healthcare coverage and private insurance60:00 - Crime, safety, and gun laws65:00 - Suitability for different demographics and lifestyle preferences75:00 - Trade-offs: what might not appeal to everyone78:30 - Why Vienna is a great retirement destinationResources & Links:Vienna Tourism BoardAustrian Tourist OfficeÖGK (Austrian Social Insurance)Vienna Public Transport (Wiener Linien)Book: “Living and Investing in Vienna” — Amazon searchAustrian Embassy to the USForeigners and Expats in Vienna and Austria (Facebook Group)Connect with Nikolett:LinkedIn — Nikolett KustosAustria's Tax EnvironmentAustria has no wealth tax and no inheritance, estate, or gift taxes. The inheritance and gift tax was abolished back in 2008. A few nuances worth knowing:Real estate transfers — While there's no inheritance tax per se, real estate received through inheritance or gift is subject to a transfer tax, and a land registration fee of 1.1% of market value is also owed by the heir.Gift reporting obligations — Even though gifts aren't taxed, gifts of cash, shares, and similar assets must be declared to the tax authorities if they exceed €50,000 in the case of relatives, or €15,000 in the case of third parties. Failure to report can result in fines.Could this change? — There's been some political discussion about reintroducing these taxes, though it is considered rather unlikely under the current government.Austria's Healthcare System: What American Retirees Need to KnowResidents are defined as individuals who have legally resided in Austria for 6 months or more and are entitled to healthcare under the state social insurance system. However, access to the public ÖGK system depends heavily on employment status:If you're employed, you're automatically enrolled through your employer the moment you start working.If you're retired and not working, individuals living permanently in Austria who are not covered by the state health system may get coverage by paying monthly fees, similar to coverage from a private insurance company, with a six-month waiting period.If you're self-employed or a freelancer, you can register with a separate body called the SVS, though these individuals need to pay 20% of the cost of treatment, and healthcare will not be completely free.The visa requirement wrinklePersons from third countries (non-EU) will only get a residence permit for staying more than six months if they can first provide proof of having health insurance covering “all risks.” So you essentially need private insurance before you can even get the visa — and then you can transition to the public system once you're established as a resident.Monthly costsContributions to the public ÖGK amount to approximately 7.65% of gross income, split between the employee and the employer.For those self-insuring voluntarily (not employed), student self-insurance at the ÖGK costs around €63 per month.Private plans for expats run roughly €30–€100 per month, depending on age and coverage.Bottom line for listeners:An American retiree moving to Austria would likely need to start with private health insurance to obtain their visa, then, after establishing legal residency, could potentially transition to the public system — but it's worth consulting an immigration specialist given the complexity.Note:Each section offers practical insights for prospective expats and retirees considering Vienna as their new homePlease always consult a professional tax and immigration attorney before making a move.A note on long-term residency for non-EU citizens: Retiring to Austria as a US citizen is possible but genuinely difficult. The primary pathway is the Settlement Permit (Gainful Employment Excepted), which requires sufficient passive income, comprehensive health insurance, proof of accommodation, and basic German language skills. The catch is that only approximately 300 of these permits are issued nationwide each year, quota places are assigned on a first-come, first-served basis at the start of each calendar year, and immigration attorneys note that securing a spot is rarely possible without legal support. If you are serious about Austria, start the process early in the year and budget for professional immigration help.

Some adjustments to financial security, retirement payments and insurance options for feds are in the beginning stages of consideration in Congress. Four recent bills that House and Senate lawmakers have introduced over the last few weeks aim to tackle a range of benefits issues across government. Here with details, Federal News Network's Drew Friedman.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Living in Vienna, Austria with Nikolett Kustos: An Expat's PerspectiveDiscover the nuances of life in Vienna through Nikolett Kustos's experiences as a Hungarian-born photographer and resident. From cultural differences to practical cost-of-living insights, this episode offers a comprehensive view of what makes Vienna a unique and appealing place to live.In this episode:Nikolett's journey from Hungary to Vienna and her reasons for stayingThe cultural similarities and differences between Austria and HungaryVienna's social attitude and community dynamicsClimate, geography, and proximity to neighboring countriesCost of living: housing, utilities, transportation, and groceriesWalkability and public transportation systemThe vibrant LGBTQ community and safety in ViennaResidency, visa options, and bureaucratic processesLanguage considerations and expat integrationHealthcare system quality and accessCrime levels and safety perceptionsAustrian cuisine and culinary sceneCoffee culture and social habitsTrade-offs of living in Vienna compared to the USWhy Vienna is an ideal place for retirementAustria's tax environment: no wealth tax, no inheritance or estate taxesTimestamps:00:00 - Introduction to Nikolett and her background02:00 - Reasons for moving to Vienna and cultural similarities with Hungary05:15 - Vienna's social attitude and community feel07:30 - Climate, geography, and travel opportunities around Austria10:00 - Cost of housing: old vs. new buildings13:00 - Cost of utilities and telecommunications15:00 - Transportation costs, public transit, and walkability19:00 - Safety and crime rates in Vienna21:45 - Food culture: traditional and international cuisine25:30 - Coffeehouse scene and social habits29:00 - Expat community and language in Vienna33:50 - LGBTQ visibility, pride, and community safety36:45 - Residency options, visa processes, and bureaucracy43:00 - Healthcare system and quality of medical services50:00 - Taxes, income tax, and international tax liabilities55:30 - Austria's healthcare coverage and private insurance60:00 - Crime, safety, and gun laws65:00 - Suitability for different demographics and lifestyle preferences75:00 - Trade-offs: what might not appeal to everyone78:30 - Why Vienna is a great retirement destinationResources & Links:Vienna Tourism BoardAustrian Tourist OfficeÖGK (Austrian Social Insurance)Vienna Public Transport (Wiener Linien)Book: “Living and Investing in Vienna” — Amazon searchAustrian Embassy to the USForeigners and Expats in Vienna and Austria (Facebook Group)Connect with Nikolett:LinkedIn — Nikolett KustosAustria's Tax EnvironmentAustria has no wealth tax and no inheritance, estate, or gift taxes. The inheritance and gift tax was abolished back in 2008. A few nuances worth knowing:Real estate transfers — While there's no inheritance tax per se, real estate received through inheritance or gift is subject to a transfer tax, and a land registration fee of 1.1% of market value is also owed by the heir.Gift reporting obligations — Even though gifts aren't taxed, gifts of cash, shares, and similar assets must be declared to the tax authorities if they exceed €50,000 in the case of relatives, or €15,000 in the case of third parties. Failure to report can result in fines.Could this change? — There's been some political discussion about reintroducing these taxes, though it is considered rather unlikely under the current government.Austria's Healthcare System: What American Retirees Need to KnowResidents are defined as individuals who have legally resided in Austria for 6 months or more and are entitled to healthcare under the state social insurance system. However, access to the public ÖGK system depends heavily on employment status:If you're employed, you're automatically enrolled through your employer the moment you start working.If you're retired and not working, individuals living permanently in Austria who are not covered by the state health system may get coverage by paying monthly fees, similar to coverage from a private insurance company, with a six-month waiting period.If you're self-employed or a freelancer, you can register with a separate body called the SVS, though these individuals need to pay 20% of the cost of treatment, and healthcare will not be completely free.The visa requirement wrinklePersons from third countries (non-EU) will only get a residence permit for staying more than six months if they can first provide proof of having health insurance covering “all risks.” So you essentially need private insurance before you can even get the visa — and then you can transition to the public system once you're established as a resident.Monthly costsContributions to the public ÖGK amount to approximately 7.65% of gross income, split between the employee and the employer.For those self-insuring voluntarily (not employed), student self-insurance at the ÖGK costs around €63 per month.Private plans for expats run roughly €30–€100 per month, depending on age and coverage.Bottom line for listeners:An American retiree moving to Austria would likely need to start with private health insurance to obtain their visa, then, after establishing legal residency, could potentially transition to the public system — but it's worth consulting an immigration specialist given the complexity.Note:Each section offers practical insights for prospective expats and retirees considering Vienna as their new homePlease always consult a professional tax and immigration attorney before making a move.A note on long-term residency for non-EU citizens: Retiring to Austria as a US citizen is possible but genuinely difficult. The primary pathway is the Settlement Permit (Gainful Employment Excepted), which requires sufficient passive income, comprehensive health insurance, proof of accommodation, and basic German language skills. The catch is that only approximately 300 of these permits are issued nationwide each year, quota places are assigned on a first-come, first-served basis at the start of each calendar year, and immigration attorneys note that securing a spot is rarely possible without legal support. If you are serious about Austria, start the process early in the year and budget for professional immigration help.

https://meliagroup.com/retirement-financial-planning/Annuity rates are near multi-year highs in 2026, but the window may be closing. Learn how to lock in your income, understand MYGAs, and build a retirement strategy around reliable cash flow before rates drift lower. Melia Advisory Group City: Tulsa Address: 5424 S Memorial Dr Website: https://www.meliagroup.com/

Listen Now: Listen and subscribe to Morningstar's The Long View from your mobile device: Apple Podcasts | Spotify Our guest on the podcast today is William Bengen. Bill has been a prolific researcher of retirement planning matters over his career, and he pioneered the exploration of safe withdrawal rates with his groundbreaking 1994 research that gave birth to what's now called the 4% rule. His new book, A Richer Retirement: Supercharging the 4% Rule to Spend More and Enjoy More was published in August 2025. Bill is the former owner of Bengen Financial Services, an independent registered investment advisor that he launched in 1989 after his family sold the soda bottling business that he had helped manage. He received his Bachelor of Science degree in aeronautics and astronautics from MIT. Bill retired from his financial planning practice in 2013 but continues to conduct research on retirement planning and withdrawal rates. Episode Highlights Why the 4% Rule Needed a Rethink Inflation as the Biggest Retirement Risk Different Approaches to Finding Your Withdrawal Rate Factoring in Longevity, Taxes, and Legacy Managing Your Asset Allocations, and Outsourcing the Rebalancing Process The 4% Rule Is Not for Everyone More From Morningstar Bill Bengen: Revisiting Safe Withdrawal Rates How to Find Your Perfect Withdrawal Rate Strategy How Much Should You Allocate to Safer Assets? If you have a comment or a guest idea, please email us at TheLongView@Morningstar.com. Follow Christine Benz (@christine_benz) and Ben Johnson (@MstarBenJohnson) on X, and Christine Benz, Amy Arnott, and Ben Johnson on LinkedIn. Visit Morningstar.com for new research and insights from Christine, Ben, and Amy. Subscribe to Christine's weekly newsletter, Improving Your Finances. If you want more Morningstar podcasts, check out The Morning Filter and Investing Insights. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Jesse Cramer and Jeremy Keil detail 7 real world lessons learned from working with hundreds of retirees. There's a big difference between studying retirement… …and actually sitting across the table from retirees for years. This week I sat down with Jesse Cramer and instead of doing a typical “Retire Today” interview, we decided to compare notes from working with hundreds of retirement clients and shared the lessons that rarely show up in textbooks or headlines. Experiences often speak louder than theory, so let's dive into the 7 main lessons. Lesson #1: Most Retirees Don't Have a “Purpose Crisis” If you spend time searching YouTube or Amazon for retirement advice, you'll likely come across the “retirement purpose crisis.” In our real-world experience working with retiree, this doesn't seem to show up the way financial media suggests. Yes, some retirees need time to adjust. But most aren't spiraling into an identity crisis after leaving work. Why? Because many workers weren't necessarily emotionally attached to the structure of their jobs—they were looking forward to having control of their time again. A lot of retirees quickly find purpose in: Family Grandkids Community Travel Hobbies Freedom itself The bigger adjustment often isn't purpose. It's learning how to structure time differently. Lesson #2: Most People Start Planning Too Late One of the clearest themes in the conversation was timing. Many people first show up to retirement planning webinars only months before retirement—or even after they've already retired. That creates problems. Important decisions around: Social Security Investments Pensions Healthcare Spending levels Taxes …all work better when there's time to think through options. Jesse's recommendation was simple: Start seriously planning at least 12 months before retirement—and ideally earlier. Not because every detail must be finalized years in advance, but because retirement works best when decisions are intentional instead of rushed. Lesson #3: Couples Need to Get on the Same Page Retirement isn't an individual decision when you're married. But many couples approach it that way. We find it is common for spouses to have completely different views on: Retirement timing Spending Investment risk Social Security Lifestyle expectations Sometimes one spouse wants maximum security. The other wants maximum freedom. And if those conversations don't happen early, conflict can show up later. I've seen couples who struggle with spending expectations and pension decisions because both people weren't fully involved in the planning process. The takeaway was clear: Retirement planning works better when both spouses understand the plan—even if only one person enjoys the financial details. Lesson #4: Social Security Can Be Flexible One of Jesse's most interesting ideas was describing Social Security as a “pressure release valve.” Instead of viewing Social Security as a rigid decision with one perfect claiming age, retirees can think about it more dynamically. For example: Delay benefits while markets are strong But turn benefits on earlier if market declines create stress on the portfolio That flexibility can help reduce sequence of returns risk—the danger of withdrawing heavily from investments during a market downturn early in retirement. The key insight? Retirement planning isn't static. Good plans adapt. Lesson #5: Too Much Stability Can Become a Risk Many retirees focus heavily on avoiding losses. That's understandable. But Jesse shared a cautionary example of a retiree with roughly 90% of investable assets in annuity products because she wanted maximum stability. The problem? Over-emphasizing one risk can create others. Oftentimes retirees “over-index” against market risk while unintentionally increasing: Inflation risk Liquidity risk Longevity risk Safety itself can become risky if growth disappears entirely. Lesson #6: One Big Mistake Can Change Retirement Forever I once had a client who wanted 10% retirement income and concentrated his entire portfolio into one high-dividend bank stock. Within days: The dividend disappeared The stock collapsed Half the retirement savings vanished It was a reminder that retirement success often comes less from finding perfect strategies… …and more from avoiding catastrophic mistakes. As Jesse referenced through Charlie Munger's thinking:Sometimes the smartest retirement planning question is: “What should I absolutely avoid doing?” Lesson #7: Retirees Often Need Permission to Spend This may have been the most emotional lesson in the episode. Many retirees struggle to switch from saver to spender—even when the math clearly says they can afford it. I once worked with a widow with more than $1 million saved who refused to withdraw money to visit her grandchildren because emotionally she couldn't bring herself to spend her savings. That's where framing matters. As Jesse summarized:You're not changing identities from “saver” to “spender.” You've always been a retirement planner. Earlier in life, prudent planning meant saving. Now, prudent planning may mean spending intentionally on things that matter. The Bottom Line Retirement planning isn't just math. It's behavior.It's psychology.It's communication.It's flexibility. And many of the most important lessons aren't learned from spreadsheets. They're learned from real retirees living real lives. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps BestInterest.blog  Personal Finance for Long-Term Investors – Jesse Cramer's podcast Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

In this episode of The Longevity Brief with Siegel and Clark, host Rose Northon of the Society of Actuaries Research Institute is joined by Steve Siegel and Kara Clark for a timely roundup of recent and upcoming research across the Aging & Retirement and Mortality & Longevity Strategic Research Programs. The discussion highlights newly published essay collections, including Impact of Family Structure on Aspects of Retirement and The Impact of Artificial Intelligence on Retirement Professionals and Retirees, along with updates on upcoming projects, open calls, volunteer opportunities and recent research activity. Listeners will also hear what is "on the launchpad" and what is generating buzz across SOA Research Institute longevity-related work. Tune in for a quick, useful briefing on the research shaping conversations around aging, retirement, mortality and longevity.

In today's video, we answer the following question: Can the bucket strategy help you generate income and grow your wealth in retirement, even as you're spending money to live on?Retirement Manifesto ArticlesFirst Article: https://www.theretirementmanifesto.co...Second Article: https://www.theretirementmanifesto.co...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

Tax delinquency rates among federal employees and retirees have been increasing since 2021. That's according to a new report from the Treasury Inspector General for Tax Administration that finds about 50,000 federal employees failed to file a tax return for multiple years, including 122 employees who have not submitted one for eight or more years. TIGTA says the suspension of some collection programs during the COVID-19 pandemic is partly to blame for this increased delinquency. The program that collects this information, the Federal Employment/Retirement Delinquency Initiative, saw a staff reduction of 50% last year. TIGTA didn't include recommendations in its report, but says it has referred cases to IRS Criminal Investigations. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This episode of The Road to Retirement focuses on the growing influence of “FinTalk” — financial advice shared through TikTok and social media platforms — and the impact it’s having on investors and retirees. Tripp Limehouse and Steve Sedahl discuss why more people are turning to influencers for financial guidance, the dangers of oversimplified online advice, and how emotional reactions to headlines can derail long-term retirement plans. They also highlight the positive side of social media, including increased awareness around investing, Roth IRAs, ETFs, and retirement planning for younger generations. Throughout the conversation, Tripp emphasizes the importance of personalized financial planning, fiduciary guidance, and having a written retirement plan tailored to each individual’s goals and risk tolerance. Visit Limehouse Financial to learn more. Call 800-940-6979See omnystudio.com/listener for privacy information.

The  Moose on The Loose helps Canadians to invest with more conviction so they can enjoy their retirement. Register to the 5 Retirement Plan Vulnerabilities webinar: https://retirementloop.ca/webinar Today, we review Canoe Income Fund (EIT.UN.TO) It's all about dividend growth investing! Subscribe to the best free dividend investing newsletter: https://thedividendguyblog.com/newsletter Get the 20 income products guide for retirees: https://retirementloop.ca/income/

What does it mean to retire in 2026, and how does today's retirement landscape differ from 10 or 20 years ago? With more retirees facing challenges such as rising healthcare costs, higher cost of living, concerns about Social Security, shifting demographics, and the impacts of national debt, this episode digs into the current risks and opportunities for those planning their golden years. I share insights from a recent Goldman Sachs retirement study and answer listener questions on retirement planning software, investment strategy before retirement, handling 401(k) and IRA loans, and Social Security rules for working retirees.    You will want to hear this episode if you are interested in... [00:00] Retirement planning in 2026 [06:28] Current market conditions and challenges [10:31] Rising health insurance costs [14:24] Financial strain on parents supporting kids [18:48] Concerns about retirement taxes [23:21] Preparing for financial downturns [28:20] Understanding 401 (k) and IRA loans [32:35] Social Security benefits and retirement planning [37:23] Understanding annuities and IRA conversions Inflation and the Cost of Living One of the biggest concerns voiced by pre-retirees is how much more expensive life has become. The past decade, especially following COVID-19, has seen inflation spike well above its historical average. Not only are day-to-day essentials like groceries and gas more costly, but so too are the experiences retirees often look forward to—such as travel and dining out. With airline tickets and fuel prices high, the cost of enjoying retirement can quickly outpace what many planned for just a few years ago.   Healthcare: An Ever-Increasing Expense Another major pain point is the skyrocketing cost of healthcare. Medicare premiums have jumped (with Medicare Part B premiums alone increasing by over 9% in one year recently), and pre-Medicare retirees face especially steep coverage costs. Whether paying directly, dealing with COBRA, or navigating the healthcare exchange, retirees must factor in the rising cost of both routine and unpredictable medical needs, which eat into savings at a faster rate.   Social Security and Family Support With millions of Baby Boomers now collecting benefits and the youngest Boomers becoming eligible, there is increased pressure on the system. There are some very real concerns about funding gaps and the likelihood that Congress will have to make difficult decisions soon to ensure benefits remain viable for future generations. Retirement planning is now more deeply intertwined with broader demographic changes. People are waiting longer to marry, buy homes, and start families—all of which impact when and how retirees are called upon to support children and grandchildren. Whether contributing to down payments, funding weddings, or assisting with fertility treatments and adoptions, modern retirees often find their savings supporting family milestones happening later in life.   National Debt and Tax Policy Government debt is at record highs, surpassing $39 trillion, and this raises serious questions about future tax rates. Retirees must plan for the possibility that taxes will increase, which could impact how much of their savings they'll have available for spending. Retirement in 2026 and beyond is both promising (with record numbers of millionaires) and uniquely challenging. By understanding these new realities, today's retirees can build a plan that provides peace of mind and the freedom to enjoy life's next chapter.    Resources & People Mentioned 3 Steps to Retirement Planning Goldman Sachs Retirement and Insights Survey   Connect With Gregg Gonzalez Email at: Gregg.gonzalez@lpl.com Podcast: https://RetireStrongFA.com/Podcast Website: https://RetireStrongFA.com/ Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts  

Many retirement savers assume the anxiety will lift once they hit a certain number. Maybe it's $1 million. Maybe $2 million. Maybe $5 million or more. And then the account crosses the line, the headlines turn ugly, and the worry is still there. A recent Wall Street Journal headline put it bluntly: "Even Rich Retirees Fear Outliving Their Money." In this episode, I'm sharing new research from Fidelity that helps explain why having "enough" so often still doesn't feel like enough. I'm also sharing the four things I consistently see in retirees who feel genuinely secure.  Here's what you'll learn: → The retirement planning factor that more than doubles confidence → A cognitive concept that explains why retirement anxiety has very little to do with your account balance → The question many well-prepared retirees still can't answer — and why ignoring it can be so costly Not one of the four pillars has anything to do with the size of your portfolio. Which raises the real question: what's actually keeping wealthy retirees up at night? ***

Are you approaching retirement with $1 million or more savedand wondering how to minimize taxes on your IRA withdrawals, Social Security income, Roth conversions, brokerage accounts, and retirement income strategy?In this episode I'll break down 7 powerful retirement tax planning strategies that high-net-worth retirees can use to potentially reduce or even eliminate portions of their lifetime tax bill.You'll learn:• How some retirees can take IRA withdrawals tax-free • Why Roth conversions are often overused • How the 0% long-term capital gains bracket works • Strategies to reduce taxes on Social Security income • Roth IRA withdrawal rules and common mistakes • Qualified Charitable Distribution (QCD) strategies • HSA planning opportunities in retirement • How Net Unrealized Appreciation (NUA) works for company stock If you are over 50, nearing retirement, or already retiredwith substantial IRA, 401(k), brokerage, or Roth assets, this episode will help you better understand how retirement tax planning impacts:If you are over 50, nearing retirement, or already retired with substantial IRA, 401(k), brokerage, or Roth assets, this episode will help you better understand how retirement tax planning impacts:• lifetime income, • Medicare premiums, • RMDs, • ACA subsidies, • estate planning, • and legacy goals. ⁠Areyou interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Clickthis link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠visit my website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⛳ PFR Nation (Who This Is For)If you're over 50, have saved seven figures (or multipleseven figures), love golf and travel, and you want to make work optional while minimizing taxes… welcome to the right place.

From onboard “hacks” to the hidden costs and unexpected joys of life at sea, Heather and Paul share what it's really like to make a cruise ship your retirement home.

ON THIS WEEKS PODCAST: In this episode of Facts Over Feelings, Kevin Thompson of 9i Capital Group breaks down the growing scam epidemic targeting everyday Americans. From fake package delivery texts and fraudulent bank calls to romance scams and deceptive investment schemes, Kevin explains how scammers weaponize urgency, fear, and emotion to manipulate victims. This episode is about more than money. It is about protecting your identity, your peace of mind, and your life savings. Kevin also delivers an important reminder: intelligent people get scammed every single day. The key is slowing down, verifying everything, and never making financial decisions under pressure. In a world built on speed and panic, patience may be your greatest defense. (00:00) Introduction to Modern Scams (01:20) Package Delivery Scams (03:35) Fake Bank Fraud Calls (04:46) Tech Support Scams (05:59) Romance and “Pig Butchering” Scams (08:31) Guaranteed Return Investment Scams (11:04) Final Thoughts and Protection TipsNEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

According to Capital One Shopping - 89% of shoppers have made some kind of impulse buy. More than half have spent more than $100 on a whim, and the average shopper made impulse buys adding up to $282 a month. A classic rule is to wait 24 hours to help curb impulse buys, but on today's show, I'm going to flip that rule on its head and explain why my listeners might actually need the opposite advice.  After that, I'll answer a listener question about switching from saving for decades to a spending mindset? You'll learn about my "half for me, half for you" framework. And to wrap up the show, I'll share what our happiest retired listeners are up to in our newest listener-sourced segment "Retire to Something". Resource: Article by Marc Buerti at Money.com: The "24-Hour Rule" That Keeps Retirees From Blowing Their Savings on Impulse Buys   Connect with Benjamin Brandt: Subscribe to the This Week in Retirement: http://thisweekinretirement.com Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Work with Benjamin: https://retirementstartstoday.com/start Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart

Ep 123: What good is retirement if your body won't let you enjoy it? In this episode of The Retirement Success in Maine Podcast, we sit down with Travis Deabay, founder of Deabay Physical Therapy, to discuss how physical therapy can help retirees stay active, independent, and doing the things they love most. From chronic back pain and arthritis to balance issues, mobility limitations, and recovery after surgery, Travis explains how movement-based care can improve quality of life far beyond traditional rehab. We also explore why many aches and pains are connected to the way we move every day—and how proactive treatment can prevent bigger problems later on. Whether you want to travel more comfortably, play with your grandkids, stay on the golf course, or simply move through life with less pain, this episode offers valuable perspective on why investing in your physical health may be one of the most important parts of retirement planning. Chapters: Introduction & Why Mobility Matters in Retirement – Staying active, independent, and pain-free as we age [00:01] Building a Better Physical Therapy Approach – Travis's background, in-home care model, and helping people move better [03:18] What Physical Therapy Really Does – Beyond post-surgery rehab to pain management, movement, and everyday function [08:11] Mobility, Strength & Chronic Pain – Arthritis, balance, back pain, and why movement matters more than people realize [16:27] Golf, Balance & Everyday Movement – How mobility limitations affect sports, aging, and long-term independence [26:07] Vestibular Therapy & Preventing Falls – Addressing dizziness, balance issues, and staying proactive before bigger problems develop [32:26] Retirement Success Through Health & Longevity – Why staying physically healthy is essential to enjoying retirement [38:44]

Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

In this episode of the Bogleheads® on Investing podcast, host Jon Luskin, CFP®, sits down with Jay Jacobs, US Head of Equity ETFs at BlackRock, to answer community-submitted questions about how to invest simply and effectively for retirement. Jay oversees more than 300 iShares ETFs spanning US equity, international, outcome, and digital asset strategies, and brings deep institutional expertise to the Bogleheads community's most pressing investing questions. Jon and Jay explore the powerful tax-efficiency advantages of ETF structures over mutual funds, particularly for investors using all-in-one and target-date products in taxable brokerage accounts. The conversation covers how ETFs use in-kind creation/redemption mechanisms to minimize capital gains distributions, a significant edge over traditional mutual funds. The episode dives into the research and methodology behind glide path design, including how demographic shifts (people working and living longer), inflation expectations, and capital markets assumptions all influence how the stock/bond mix evolves over an investor's lifetime. Jay explains the rationale behind the LifePath funds' 40% stock/60% bond terminal allocation, why a market-weight approach to international exposure makes sense for long-term investors, and more. • • • Jon Luskin, CFP®, a long-time Boglehead and financial planner, hosts this episode of the podcast. The Bogleheads® are a group of like-minded individual investors who follow the general investment and business beliefs of John C. Bogle, founder and former CEO of the Vanguard Group. It is a conflict-free community where individual investors reach out and provide education, assistance, and relevant information to other investors of all experience levels at no cost. The organization supports a free forum at Bogleheads.org, and the wiki site is Bogleheads® wiki. Since 2000, the Bogleheads® have held national conferences in major cities across the country. In addition, local Chapters and foreign Chapters meet regularly, and new Chapters form periodically. All Bogleheads activities are coordinated by volunteers who contribute their time and talent. This podcast is supported by the John C. Bogle Center for Financial Literacy, a non-profit organization approved by the IRS as a 501(c)(3) public charity on February 6, 2012. Your tax-deductible donation to the Bogle Center is appreciated. Resources mentioned: 2026 Bogleheads conference registration https://boglecenter.net/2026conference/ Jon Luskin's talk on all-in-one funds at the Bogleheads Conference https://youtu.be/TYLWfC4fijo Previous Bogleheads episode with Bill Bengen on safe withdrawal rates https://youtu.be/_qDoiBkH45E 2025 Bogleheads Conference videos https://www.youtube.com/playlist?list=PLBxq9XvQsXjgUg5jRD9Jtdzwa6B3SLuHZ Bogleheads® is a registered trademark of the John C. Bogle Center for Financial Literacy.

Today's guest on The Long View is Michael Gates. Gates is the head of model portfolio solutions for the Americas and the lead portfolio manager for target-allocation models at BlackRock. BlackRock's target-allocation models have been adopted by a large and growing contingent of advisors in the US. Four of the model families within BlackRock's target-allocation suite have been awarded Morningstar Medalist Ratings of Gold. In 2025, Morningstar's manager research team nominated Gates for a Morningstar Award for Investing Excellence in the Outstanding Allocation Portfolio Manager category. Gates' time at BlackRock dates to 1999, including his years with Barclays Global Investors, which merged with BlackRock in 2009. Before founding the model portfolio solutions group, Gates conducted quantitative trading research for equities in BlackRock's global trading group. At Barclays Global Investors, Gates led the development and implementation of the firm's quantitative approach in fixed-income and alternative asset investing. Gates earned a master's degree in economics and a bachelor's degree with honors from the University of California, Davis. He is a CFA charterholder. Episode Highlights 00:00:00 What Are Model Portfolios and How Do They Work? 00:08:19 How Tax-Loss Harvesting and Other Offerings Reshape Model Design 00:15:50 AI‑Driven Productivity and the Market Outlook 00:17:57 Rebalancing With Risk in Mind 00:24:56 Building AI Exposure Into Equity Models 00:35:39 Thematic Investing and Active vs. Passive Investing 00:42:07 How Technology May Shape Portfolios' Future More From Morningstar Alpha Isn't Dead. You've Just Been Measuring It Wrong Tax-Efficient Model Portfolios for Retirees and Retirement Savers Can AI Chatbots Build a Retirement Portfolio? We Tested Them If you have a comment or a guest idea, please email us at TheLongView@Morningstar.com. Follow Christine Benz (@christine_benz) and Ben Johnson (@MstarBenJohnson) on X, and Christine Benz, Amy Arnott, and Ben Johnson on LinkedIn. Visit Morningstar.com for new research and insights from Christine, Ben, and Amy. Subscribe to Christine's weekly newsletter, Improving Your Finances. If you want more Morningstar podcasts, check out The Morning Filter and Investing Insights. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.