Podcasts about retirees

Helen Lo is the founder of Lo & Sons, the cult-favorite travel bag brand that basically invented the stylish carry-on for working women.Helen started the company at 65 years old, after she had already retired. She was born into a privileged family in China that lost it all when her father died. She grew up in poverty, went to boarding school at seven, and promised herself she would never be poor again. She earned a PhD while raising babies, spent decades moving city to city for her husband's career, reinventing herself every single time. And when she finally said "I'm done," she couldn't find a travel bag that actually worked for women. So she recruited her two sons and flew to a factory in China with zero fashion or manufacturing experience. Nine prototypes later, she had the bag that built the business. Today, Lo & Sons is in its sixteenth year, still family run, built without a dollar of outside funding.In this episode, Helen breaks down exactly how she went from idea to real business, how she validated the concept before spending a dime, how one phone call to a friend of a friend unlocked their first factory, and how they caught the early Facebook wave and one blog feature that changed the trajectory of the brand. She also gets really honest about what it costs to build a business with your own children, why she stepped down as CEO of her own company, the trade show flop that taught them everything, and the mistakes that slowed them down, like hiring too fast and pivoting too slow. Helen is proof that you don't need investors, industry experience, or perfect timing, just a real problem, the willingness to learn, and the courage to start. If you've been telling yourself it's too late or that this chapter of your life is already written, this is the conversation you need to hear.In this episode, we'll talk to Helen about:* Why getting out of your comfort zone starts with an inner calling. [02:37]* Growing up in poverty after losing everything and developing determination. [04:56]* Generosity as her guiding principles in life and business. [05:55]* Why an abundance mindset creates unexpected opportunities. [07:59]* Putting her career on hold while supporting her husband's path and raising a family. [09:21]* The biggest career lesson she learned from earning a PhD. [10:41]* How a frustrating travel problem inspired the idea for a better bag. [12:41]* How a lifelong curiosity fueled her entrepreneurial mindset. [17:48]* Validating the business idea by talking to the right target customer. [20:01]* Building the company alongside her sons and defining their roles. [21:00]* Finding the first factory and learning product development from scratch. [24:48]* The design feedback that transformed the original bag into the OG. [26:37]* Refining every detail through customer feedback and multiple prototypes. [30:37]* Why trade shows failed and social media became the brand's breakthrough. [33:04]* How partnering with the right influencer became a major turning point for the brand. [34:45]* Navigating today's changing marketing landscape. [37:06]* The challenges of building a business alongside family. [39:27]* Why stepping down as CEO was the right decision. [41:30]* Why pivoting quickly and hiring intentionally are essential for long-term growth. [44:37]* Why she wanted to be a mom again instead of her sons' boss. [46:15]* Why persistence matters, but knowing when to pivot matters more. [48:43]This episode is brought to you by Beeya:* If you or anyone you know have been struggling with hormonal imbalances and bad periods, go to https://beeyawellness.com/free to download the free guide to tackling hormonal imbalances* Plus, get $10 off your order by using promo code BEHINDHEREMPIRE10Follow Yasmin:* Instagram: https://www.instagram.com/yasminknouri/* Website: https://www.behindherempire.com/Follow Helen:* Website: https://www.loandsons.com/* Instagram: https://www.instagram.com/loandsons/* Instagram: https://www.instagram.com/saharalotti/ Hosted on Acast. See acast.com/privacy for more information.

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Could a tax surprise be waiting for you in retirement? On this episode from this past weekend’s radio show, Abe Abich explains why tax planning shouldn’t begin and end on April 15th. He discusses common reasons retirees may owe more in taxes than expected, including Social Security taxation, required minimum distributions, and inherited IRAs. Abe also explores buffered ETFs and structured notes, highlighting how some investors use these tools when seeking a balance between growth potential and risk management. Plus, hear real-world retirement planning examples and the importance of having a strategy that looks beyond tax filing season. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Johanna Danaher is a mindset, life and leadership coach who helps high-achieving pre-retirees and mid-life professionals navigate one of the most overlooked transitions of all: who you become after you leave a long-held career. After more than 25 years in high-level corporate leadership, guiding global talent, culture and leadership strategy at Pfizer, Johanna understands how deeply identity can become intertwined with a title—and how destabilizing it can feel when that chapter comes to an end. Through her coaching practice, Anchor to Aspire™, she now supports pre-retirees and midlife professionals as they navigate the emotional and psychological side of transition, helping them move forward with clarity, energy and intention. Johanna's work blends evidence-based tools with deeply human insight, drawing from Energy Leadership™, the Energy Leadership Index (ELI), Positive Intelligence®, Whole Brain Thinking and the science of happiness. She helps clients recognize how they show up on their best days versus under stress—and how small mindset and energy shifts can radically change their experience of retirement, reinvention and life transitions.What sets Johanna apart is her ability to honor paradox: ambition and ease, resilience and softness, structure and surrender. Her clients—executives, public-sector leaders and long-tenured professionals—aren't looking to stop growing; they want their next chapter to feel meaningful rather than performative, intentional rather than fear-driven.A former marine biologist turned HR leader and now entrepreneur, Johanna's nonlinear path shapes a coaching approach rooted in possibility. Whether she's guiding a team through reinvention or helping someone redefine what success means in midlife, her work is both strategic and soulful—anchoring people to who they are so they can rise into what's next.Some topics we cover in this episode:--How to prepare emotionally for retirement--How to maintain identity after retirement by determining what you value--Why do so many people rush to stay busy after retirement and the cost of doing so--How pre-retirees can learn to shift and reframe fear and uncertainty about their identity or their future—and use it as fuel for an intentional and empowered "rewirement"--How pausing can be a superpowerLearn more:Website: https://anchortoaspire.com/ LinkedIn: https://www.linkedin.com/in/johannadanaher/ IG: https://www.instagram.com/anchortoaspire/Facebook: https://www.facebook.com/anchortoaspire/Blog: https://anchortoaspire.com/blog-posts

Gary explains why Australia’s complex, means-tested pension feels like a bureaucratic trap compared to New Zealand’s simple, universal retirement system.See omnystudio.com/listener for privacy information.

Calamos Investments' Matt Kaufman discusses why inflation remains a concern despite cooler CPI and PPI data and how structured income ETFs like CAIE can help investors generate income with downside protection. He also highlights CAIQ and CAG as strategies designed for different investor needs and risk profiles.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Let's Discover the Best Cities in Brazil for Gay RetireesMost Americans think of retirement abroad and immediately picture Portugal, Spain, Mexico, or maybe Thailand.But if those feel too expensive, too far away, or just not quite right, Brazil deserves a serious look for your gay retirement dollar.Brazil offers something rare: warm weather, lower costs, strong LGBTQ+ legal protections, major queer visibility, Afro-Brazilian culture, beaches, food, music, private healthcare, visa options, and, yes, many, many, many Speedos.In this episode of Queer Money, we're continuing our Affordable International Gay City series with the 5 best gay cities in Brazil for gay retirees.Brazil is not Nordic order. It is not Mexican expat familiarity. It is not Portuguese calm, even though Portuguese is the language, which, yes, you should start learning before you move. But Brazil may offer gay retirees a powerful mix of affordability, culture, LGBTQ+ acceptance, and lifestyle that can make retirement abroad feel much more possible.We compare each Brazilian city to Framingham, Massachusetts, our U.S. touchstone city for this episode, and look at what matters for gay retirement abroad: cost of living, average two-bedroom rent, LGBTQ+ visibility, state and city acceptance, queer nightlife, healthcare access, safety, lifestyle, and overall retirement fit.This week, we cover Belo Horizonte, Curitiba, Salvador, Florianópolis, and São Paulo.Takeaways from this episode:Why Brazil deserves a serious look for gay retirement abroadWhy Brazil's LGBTQ+ protections and public acceptance rank stronger than many people assumeHow Brazilian cities compare with Framingham, Massachusetts, for cost of livingWhy Belo Horizonte may work for retirees who want Brazil without São Paulo intensity or beach-city chaosWhy Curitiba may appeal to gay retirees who want structure, affordability, healthcare, parks, and practical city livingWhy Salvador may be especially compelling for Black gay retirees seeking Afro-Brazilian culture and visibilityWhy Florianópolis offers beaches, nature, wellness vibes, and a relaxed queer-friendly lifestyleWhy São Paulo takes the top spot as Brazil's queer mega cityWhy Portuguese, safety planning, neighborhood choice, and local research matter before movingWhy the question is not “Is Brazil right for every gay retiree?” but “Which Brazil fits the retirement lifestyle I actually want?”Brazil may not be right for everyone. If you want perfect predictability, spotless bureaucracy, or a country that runs like a Swiss train schedule, Brazil may test your spirit.But if you want warmth, affordability, legal residency options, strong LGBTQ+ protections, private healthcare, culture, food, music, and cities with real queer life, Brazil may deserve a spot on your retirement abroad shortlist.Before you make any move, research it, visit for longer than a vacation, and run the numbers for your actual life. This is a lot easier with a plan of action and that's exactly why we created the Queer Money Retire Abroad Planner and Calculator. Chapters:00:00 - Intro02:57 - Belo Horizonte05:11 - Curitiba09:00 - Salvador11:22 - Florianópolis14:55 - São Paulo18:50 - OutroMentioned in this episode:What if your portfolio came with a visa and passport?That's exactly what the Optimize Portugal Golden Opportunities Fund can do, bringing together diversification, tax efficiency, and a path to EU residency and a passport. Click the link below to explore your ticket to Europe.Get Your Portugal Golden Visa Here!Portugal is calling. Will you answer?Don't just dream of moving to Portugal, make it happen with the investments in your IRA. Investing in Portugal gets you residency, the ability to work in Portugal and returns that just may outpace the U.S. like the Optimize Portugal Golden Opportunities fund did in 2025. Get Your Portugal Golden Visa Here!

Retirement may be the first time you can truly control your tax bill. Damon Roberts & Matt Deaton explain how tax diversification, Roth accounts, retirement income planning, and annuity strategies can help create more flexibility in retirement. The conversation focuses on keeping more of your money while building dependable retirement income. 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.

Markets are full of mixed signals, but what do they actually mean for investors and future retirees? Join Wes Moss and Jeff Lloyd on this episode of the Money Matters Podcast as they connect the latest market headlines, economic data, and historical perspectives to explore the factors that may be shaping today's financial landscape. • Explore how Middle East tensions may influence oil prices, inflation, and the stock market. • Examine what 55 years of consumer sentiment data may reveal about market performance through different economic cycles. • Analyze the latest jobs report, labor force participation, and trends reshaping the U.S. workforce. • Understand how caregiving, demographics, and early retirement continue changing the labor market. • Revisit Alan Greenspan's famous "irrational exuberance" speech and the historical perspective it may offer on market timing. • Compare today's broad-based corporate earnings growth with the concentrated market leadership of the late 1990s. • Evaluate forward earnings, price-to-earnings ratios, and the growing role of dividend-paying and value stocks. • Learn how Trump Accounts and custodial Roth IRAs compare as long-term savings options for children. • Discover the five core pursuits from The Retire Sooner Method and the research associated with greater retirement satisfaction. Listen and subscribe to the Money Matters Podcast for thoughtful conversations on investing, retirement planning, personal finance, and the economy. Join Wes Moss and Jeff Lloyd each week as they bring context to today's financial headlines and the trends shaping tomorrow.

Why do smart retirees make costly financial decisions when stress takes over? Ryan Oliver explores the emotional side of retirement, from market volatility and identity shifts to the urge to tinker with a long-term plan during uncertain times. He discusses common mistakes retirees make under pressure, why the early years of retirement can be especially challenging, and the value of having guardrails in place before stress arrives. Learn how preparation, structure, and confidence can help keep emotions from driving important financial decisions Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Hannah Martin is the founder of Rich Riteree, a website that helps women over the age of 45 prepare emotionally, physically and financially for retirement. Hannah has spent the last 13 years helping women balance motherhood with careers and start businesses on her website Talented Ladies club, growing a global audience of over 120,000 monthly readers. Hannah chat with us about how we can become a rich retiree and the four pillars of this, being health, monty, community and purpose and how we can achieve it. You can find Hannah at www.richretiree.com and www.talentedladiesclub.com  Your Business Hour podcast is hosted by the founders of Champ Consultants, Chantal and Matthew Baker. They are both accountants and bring a wealth of knowledge, experience, and business tips to their chat. They interview guests who tell their business stories, as well as consider the latest topics in business and finance.New podcasts are released weekly on a Tuesday and you can follow us on:Instagram: @your.businesshourFacebook: @your.businesshour

On this episode: Micron's earnings sparked excitement, but market volatility remains. Greg explains why retirement planning shouldn't depend on stock picking or chasing the next hot investment. From 401(k)s to advisory accounts, fees can quietly drain retirement assets. Greg breaks down the true cost of financial advice and why value matters. An advisor suggested borrowing instead of spending retirement money. Greg examines the math, tax consequences, and why some retirement advice may not serve clients. Delayed dreams, working too long, tax mistakes, and outdated estate plans. Greg shares lessons retirees wish they had learned sooner. Subscribe or follow so you never miss an episode! Check out Fire Your Financial Advisor on YouTube! Learn more at GoldenReserve.com or follow on social: Facebook & LinkedIn.See omnystudio.com/listener for privacy information.

Is the Federal Reserve’s New Shake-Up Good or Bad for Your Retirement Income? By Tom Dupree, Founder, Dupree Financial Group Short answer: it’s genuinely both, and which one matters more depends on whether your retirement income is built to keep pace with rising costs. New Federal Reserve Chair Kevin Warsh has launched a formal, five-part review of how the Fed operates — covering everything from how it talks to markets, to how it collects the inflation data that moves interest rates, to whether artificial intelligence is quietly reshaping the economy in ways the old playbook never anticipated. On this week’s episode of The Financial Hour, James Dupree, Mike Johnson, and Michael Dawahare sat in to break down what this shake-up actually means — and, more importantly, what it means for anyone relying on their portfolio to produce real, spendable income in retirement. Key Takeaways A new Fed chair is auditing the Fed itself — five task forces are reassessing communications, the balance sheet, data quality, and the inflation target. The Fed’s own bond portfolio carries an unrealized loss in the hundreds of billions — proof that duration risk applies to everyone, including the Fed. AI is cutting both ways on inflation — boosting productivity in some areas, raising input costs like memory chips in others. A tariff-driven price bump and true monetary inflation are not the same thing, and the difference matters for how policymakers respond. Income that doesn’t grow — money markets, CDs, old bonds — quietly loses ground to rising costs every year it sits still. Who Is Kevin Warsh, and Why Is He Changing How the Fed Operates? Kevin Warsh has been a student of the Federal Reserve for most of his career, and one of his first moves as chair was to launch five task forces to reassess the institution’s core functions: communications, balance sheet policy, data quality, productivity and jobs (including AI), and the inflation framework itself. According to CNBC’s reporting on the review, the task forces are directed to start from first principles and question existing practice rather than simply fine-tune it — Brown Brothers Harriman strategist Scott Clemons described the approach as “regime change, but in a velvet glove.” The philosophy behind it is simple: stop, assess, and pivot where needed — the same discipline any well-run company applies when a board challenges management on why things are done a certain way. Warsh is asking the Fed to do that to itself, publicly, for the first time in a long time. What Did the Federal Reserve Get Wrong in 2008 and 2021? To understand why this review matters, it helps to look at the Fed’s actual track record. In 2006 and 2007, as the housing market was cracking, the Fed’s regional offices were on record saying there was no housing problem. There was. Then, in the aftermath of the 2008 financial crisis, the Fed held interest rates near zero for over a decade — a policy commonly called ZIRP — creating what our team described on-air as a “wet blanket” over markets that made honest price discovery difficult. The more recent example is fresher: in 2021, as trillions in pandemic stimulus moved through the economy, the Fed described the resulting price increases as “transitory.” They weren’t. Prices rose at the fastest pace in decades, and by the time policy caught up, households had already absorbed the damage — a miss the current review is squarely aimed at preventing from happening again. Why Does the Fed Have a Balance Sheet Loss in the Hundreds of Billions? Source: Federal Reserve Bank of New York, System Open Market Account (SOMA) Annual Reports, 2022–2025. Here’s a detail that surprises a lot of listeners: the Fed itself is sitting on a large paper loss. During the zero-rate years, the Fed bought enormous quantities of bonds with very low coupon payments as part of a policy known as quantitative easing. When interest rates rose in 2022, the market value of those bonds fell — the same way any bond’s price falls when rates rise. According to the New York Fed’s own 2025 System Open Market Account report, the unrealized loss on the Fed’s securities portfolio stood at $844.2 billion at the end of 2025 — down from over $1 trillion the year before, but still historically enormous. The Fed can’t easily sell these bonds without disrupting the very bond market it’s trying to stabilize, so for now, it’s simply absorbing the loss. It’s a useful, if uncomfortable, reminder: interest rate risk doesn’t spare anyone — not even the institution that sets interest rates. The Reframe: What the Fed’s Own Mistake Teaches Retirees About Bonds Here’s the part of this story that doesn’t show up in the news coverage of Warsh’s review: the Fed’s $844 billion paper loss isn’t just a Washington curiosity. It’s a live demonstration of the exact risk that quietly erodes many retirement portfolios. The Fed bought long-duration bonds when rates were near zero, on the assumption that those rates — and the value of those bonds — would hold. They didn’t. If the most sophisticated balance sheet in the world can misjudge duration risk that badly, it’s worth asking whether a retirement plan built around the same assumption — that a fixed-rate bond bought today will still meet your needs in ten or fifteen years — is really as safe as it feels. A bond doesn’t know what a gallon of milk costs in 2035. It just pays what it promised to pay in the year you bought it. This is precisely why our firm’s approach leans on dividend-paying, financially strong companies rather than a bond-heavy “set it and forget it” allocation. A healthy company’s board can raise its dividend as costs rise — a bond’s coupon is frozen the day you buy it. The Fed just proved, at a scale of nearly a trillion dollars, what happens when income doesn’t adjust to a changing rate environment. Retirees don’t have the option of just holding to maturity and calling the loss “unrealized.” That gap has to show up somewhere in a household budget. Is Artificial Intelligence Good or Bad for the Economy? One of Warsh’s five task forces is specifically looking at how AI affects productivity and jobs, and our hosts see it as a genuinely mixed picture. On one hand, AI is already making certain kinds of work dramatically more efficient; our hosts pointed to real examples of complex technical projects being completed in a fraction of the time they used to take. Historically, technology has tended to be deflationary — it lowers the cost of producing things over time. On the other hand, the buildout of AI infrastructure is pushing some costs up right now — memory chips being a clear example, which in turn affects the price of consumer electronics. So the net effect on inflation isn’t a simple yes-or-no answer. It depends on which part of the economy you’re looking at, and over what timeframe. What’s the Difference Between a One-Time Price Increase and Real Inflation? This distinction came up repeatedly in the episode, and it matters more than it sounds. A tariff, for example, can raise the price of a specific good once — that’s a one-time adjustment, not ongoing inflation. True inflation, by contrast, is a monetary phenomenon: more money in the system chasing the same amount of goods and services, which pushes prices up broadly and persistently. Our hosts noted that both the current Fed and Treasury leadership seem comfortable with modest inflation as long as wages are rising faster — a meaningfully different posture than in years past, and one that, if it holds, could support the kind of broader economic growth the country hasn’t consistently seen since before the 2008 financial crisis. How Can Retirees Protect Their Income From Inflation? This is where the conversation gets most practical for anyone at or near retirement. Money markets, CDs, and bonds purchased years ago don’t adjust for rising costs — the income they produce today is the same as it was when you bought them, even as your expenses climb. That’s not a flaw in those tools; it’s simply not what they’re designed to do. An income approach built around dividend-paying, financially strong companies works differently. When the underlying businesses are healthy, they have the ability to grow their dividend payments over time — even during flat or difficult markets — because a board’s decision to raise a dividend is separate from where the stock market happens to be on any given day. That’s the mechanism our team described as the foundation of an inflation-aware retirement income strategy: income with the potential to rise, rather than income that’s frozen in place. Frequently Asked Questions Is a little inflation actually a good thing? Fed and Treasury leadership have signaled comfort with modest inflation as long as wages are rising at a faster rate. The concern isn’t inflation existing at all — it’s inflation outpacing the income people rely on to cover their expenses. Why did the Fed call 2021 inflation “transitory” when it clearly wasn’t? The Fed’s framework at the time treated the post-pandemic price spike as temporary, tied to supply chain disruptions expected to resolve quickly. Instead, inflation persisted and accelerated well into 2022, now viewed as one of the Fed’s most consequential misreadings. Does AI cause inflation or reduce it? Both, depending on where you look. AI-driven productivity gains tend to be deflationary over time, the way most technology has been historically. But the current buildout of AI infrastructure is pushing up costs in specific areas, like memory chips, in the near term. Why don’t bonds and CDs keep up with inflation? A bond or CD generally pays a fixed rate of interest set at the time of purchase. As the cost of living rises afterward, that fixed payment buys less — there’s no built-in mechanism for the income to grow along with your expenses, the same dynamic that produced the Fed’s own unrealized loss. What should I actually do if I’m worried my retirement income isn’t keeping pace? Start by getting a clear picture of what you currently own and what income it’s actually producing versus what your expenses look like today. A complimentary portfolio review is designed to give you exactly that picture, with no obligation attached. The Bottom Line The Fed rethinking its own playbook is genuinely good news — a clear-eyed institution is better than a defensive one. But the more useful question isn’t what Washington does next. It’s whether your own income is built to grow, or built to sit still while everything around it gets more expensive. That’s a question worth answering before the next rate cycle makes it more urgent, not after. Ready to See Whether Your Portfolio Can Keep Up? If you’re not sure whether your portfolio’s income is actually keeping up with what things cost these days, that’s exactly the kind of question a complimentary portfolio review is built to answer. No charge, no pressure — just an honest look at what you own and whether it’s working for you. Call 859-233-0400 or schedule your complimentary portfolio review. You can also listen to more episodes of The Financial Hour, and learn more about our fee-only, fiduciary approach on our About Us page. About Tom Dupree: Tom Dupree is the founder of Dupree Financial Group and a 47-year veteran of the investment business. He hosts The Financial Hour, covering the financial topics that matter most to retirees and those approaching retirement in plain English, without the Wall Street spin. Regulatory Disclaimer Dupree Financial Group is a Registered Investment Adviser (RIA) registered with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training. The information presented here is for educational purposes only and does not constitute investment advice, a solicitation, or an offer to buy or sell any security. Past performance is not indicative of future results. Investing involves risk, including the possible loss of principal. 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Your greatest investment risk may not be missing the market, but relying on your ability to identify the small handful of stocks that become the next big winners.  As part of our "By the Numbers" series, topics covered in this episode include:  Why most individual stocks fail to outperform the market What increasing market concentration means for retirees Why average returns can create dangerous expectations How to think about risk, diversification, and income in retirement The surprising case for Treasury bills and liquidity Listen in as Founder and CEO of Howard Bailey Financial, Casey Weade and Bruce Feiler provide thoughtful insights and advice on how it applies to your unique financial situation. Show Notes: HowardBailey.com/574

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Retirement today looks very different than it did even a decade ago. Managing your finances, protecting your identity, staying connected with family, accessing healthcare, and preserving your legacy are all becoming increasingly digital. While these advancements offer greater convenience and flexibility, they also introduce new risks that deserve careful planning. In this episode of Retirement Unlocked, Larry Heller, CFP®, CDFA®, explores how technology is reshaping retirement and why digital preparedness is essential to protecting your financial future. From cybersecurity and AI-powered scams to digital estate planning and everyday technology that supports independence, Larry shares practical insights to help you embrace innovation with greater confidence. Larry discusses:  Why retirement planning now includes cybersecurity, digital assets, and the protection of your online identity. How AI-powered scams, voice cloning, hacked emails, and identity theft are becoming increasingly sophisticated, and the practical steps retirees can take to protect themselves. The growing role of telehealth, wearable technology, and other digital tools in helping retirees maintain their independence and improve their quality of life. How technology is making it easier to travel, manage finances remotely, stay connected with family, and enjoy greater flexibility throughout retirement. Why organizing your digital assets, passwords, online accounts, and estate documents is becoming just as important as traditional estate planning. And more! Connect with Larry Heller:  (631) 248-3600 Schedule a 20-Minute Call Heller Wealth Management LinkedIn: Larry Heller, CFP®, CDFA®, CPA YouTube: Retirement Unlocked with Larry Heller, CFP® Heller Wealth Management is now part of Savant Wealth Management. Savant is a Registered Investment Advisor. This content is provided for informational and educational purposes only and should not be construed as personalized investment advice. Effective March 31, 2026, Heller Wealth Management joined Savant Wealth Management (“Savant”). A copy of Savant's current written disclosure Brochure discussing our advisory services and fees is available at www.savantwealth.com/disclosure-brochures/

Which term always messes with you — effective tax rate, backdoor Roth, cost basis, or RMDs? Write it below

What are financially successful retirees doing that others often overlook? In this episode, Frank and Frankie Guida discuss key habits that can shape retirement planning, including saving consistently, creating income streams, managing risk, preparing for unexpected expenses, and incorporating tax and retirement planning into the process. They also share a real-world case study illustrating how reviewing investments, taxes, and long-term goals can uncover opportunities and help align a retirement strategy with a client’s priorities. Schedule a complimentary appointment: A Better Way Financial Learn more about Frank and Frankie's book here! Buy Frank's book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Buy Frankie's book! Amazon Best Seller, ""A Better Way to Retire: How a Fiduciary Retirement Planner Can Be the Key to Financial Success" CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

Could the way you've saved for retirement create an unexpected tax problem later on? In this episode, Brandon Bowen explains the three primary tax buckets—tax-deferred, taxable, and tax-free accounts—and why having a mix of each can create more flexibility in retirement. He discusses common challenges retirees face when most of their savings are concentrated in one account type, along with strategies to consider when planning withdrawals and managing taxes. Learn how thoughtful tax diversification can play an important role in an overall retirement income plan. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Retirement isn't just about leaving your career; it's about learning how to navigate one of life's biggest transitions with confidence and resilience. As part of our "Freedom After 50" series, best-selling author Bruce Feiler shares why the most fulfilling retirements come from embracing change instead of resisting it. Topics covered in this episode:  Why retirement is often a "lifequake," not just a life event The three phases everyone experiences during major life transitions How to avoid getting stuck after retirement How couples can navigate retirement transitions together A simple exercise to identify where you are and what you need most Listen in as Founder and CEO of Howard Bailey Financial, Casey Weade and Bruce Feiler provide thoughtful insights and advice on how it applies to your unique financial situation. Show Notes: HowardBailey.com/573

This week, we break down the newly passed state budget: modest 3% raises for most state employees, targeted larger increases for law enforcement and corrections, bonuses for workers and retirees, and concerns about cuts and hundreds of vacant positions. The episode discusses rising state health plan costs, the $1 billion left unappropriated (and speculation about public funding for a sports team), member outrage, and the importance of voting and civic involvement ahead of the November election.

Estate planning is not just for the wealthy. It protects retirement assets, minimizes taxes, controls how wealth transfers to heirs, and keeps families out of probate court. To learn more, visit https://meliagroup.com/estate-planning/ Melia Advisory Group City: Tulsa Address: 5424 S Memorial Dr Website: https://www.meliagroup.com/

Retirees struggle to transition from "hustling" and "hoarding" to "harvesting." It's costing them time. It's limiting their experiences and relationships. This isn't good. We need to understand why.  Looking for a financial planner?  → PlanWithJesse.com Jesse is joined by Frank Vasquez—retired attorney, creator of Risk Parity Radio, and one of the most distinctive voices in the retirement planning space—for a wide-ranging conversation about building resilient portfolios, spending confidently in retirement, and avoiding the traps that keep investors working longer than they need to. Frank explains the philosophy behind risk parity investing, arguing that most traditional portfolios are far less diversified than investors realize and that true diversification requires balancing different types of assets and risks rather than simply owning more stocks. The discussion explores the difference between accumulating wealth and learning to spend it, why many retirees struggle to transition from "hustling" and "hoarding" to "harvesting," and how fear often prevents people from enjoying the wealth they've spent decades building. Frank also shares his views on safe withdrawal rates, retirement income flexibility, and the importance of designing a financial plan that supports the life you actually want to live. Throughout the conversation, Jesse and Frank challenge conventional wisdom around retirement, emphasizing that the goal is not to die with the largest portfolio possible, but to use money intentionally to create a meaningful, enjoyable, and financially secure life. Key Takeaways: • Frank describes three phases of wealth: hustling, hoarding, and harvesting. • The ultimate purpose of wealth is to support a fulfilling life, not simply maximize account balances. • Traditional stock-heavy portfolios may not be as diversified as investors assume. • Asset allocation decisions should reflect an investor's ability to stay invested during market stress. • Market uncertainty never disappears, regardless of economic conditions. • The goal is not to win the game of accumulation forever—it is to eventually enjoy the rewards of what you've built. Key Timestamps: (01:59) – Why Risk Parity (06:35) – Three Hs Framework (16:55) – What Is Risk Parity? (24:00) – Beyond Stocks and Bonds (27:55) – Managed Futures Explained (30:44) – Gold Skepticism Debate (42:34) – Long-Term Rebalancing Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: Website: https://www.riskparityradio.com/ Mentions: https://earlyretirementnow.com/2020/01/08/gold-hedge-against-sequence-risk-swr-series-part-34/   https://www.riskparityradio.com/episode-guide  More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Need a financial planner?  → PlanWithJesse.com  The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

A strong financial plan can tell you whether you can retire, but it may not tell you whether you'll feel ready.  In this Retirement Replay, behavioral finance expert and psychologist Dr. Daniel Crosby explains why retirement is not just a portfolio decision.  He shares the five areas happy retirees tend to prepare for, why purpose and connection matter more than many people realize, and why even people with plenty of money can still struggle to make the leap. About Retirement Replay: After select guest interviews, we pull together the most replayed moments from the full conversation—the ideas listeners found valuable enough to rewind, revisit, or hear again. It's a quick way to catch the highlights or return to the takeaways that stood out most. Listen to the full episode: https://www.youstaywealthy.com/289 ***

Could a Roth conversion save you from a bigger tax bill later? Art McPherson explores the buzz surrounding the SpaceX IPO, how retirees should think about speculative investments, Social Security timing strategies, and why tax diversification matters. Art Mark also discusses Roth conversions, retirement income planning, and the surprising tax traps many retirees overlook when managing IRAs, Roth accounts, and taxable investments. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Medicare's new GLP-1 Bridge Program gives eligible retirees access to Wegovy and Zepbound for $50 a month — but there are three financial catches worth knowing before you enroll.In this episode of the Secure Your Retirement Podcast, Radon and Murs discuss one of the biggest Medicare developments of 2026 — the new GLP-1 Bridge Program, launching July 1, which allows eligible Medicare beneficiaries to access popular GLP-1 weight loss medications like Wegovy and Zepbound for a flat $50 copay per month. Joined by Peace of Mind Wealth Management's in-house Medicare specialist Sean Southard, they break down exactly what this program is, who qualifies, how the approval process works, and what the financial implications look like for retirees on fixed incomes.Listen in to learn about the three financial angles every retiree needs to understand before enrolling in the GLP-1 Bridge Program, including why that $50 copay sits completely outside your normal Medicare Part D protections, what happens when the program ends in December 2027, and how GLP-1 medications and Medicare prescription drug coverage fit into a broader retirement planning conversation around healthcare costs, budgeting, and long-term affordability.In this episode, find out:What GLP-1 medications are, why Medicare historically excluded them for weight loss, and what changed in 2026 to make the GLP-1 Bridge Program possibleWho qualifies for the program based on BMI and health conditions, and how your doctor submits a prior authorization request through Medicare's centralized systemWhy the $50 flat copay does not count toward your Medicare Part D deductible or annual out-of-pocket maximum, and what that means for your retirement budgetWhat retirees need to plan for when the program's temporary status ends in December 2027 and costs could jump significantlyThe health considerations and side effects of GLP-1 medications that matter most for older adults, and why this conversation belongs with your doctor and your financial plannerTweetable Quotes:"Retirees need to avoid assuming that this benefit program is going to be permanent forever. Plan for what happens if that $50 copay jumps back up to several hundred dollars a month." — Murs Tariq"This is both a healthcare conversation and a financial planning conversation. Retirees should evaluate long-term affordability, potential future coverage changes, and how chronic disease management fits into an overall retirement plan." — Shawn SouthardResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

Every year, thousands of retirees pay an extra penalty to the IRS — and almost none of them see it coming. What catches them off guard isn't a penalty for owing too much. You can do everything right — claim Social Security at the right age, run picture-perfect Roth conversions, manage your withdrawals down to the dollar — and still get a letter from the IRS charging you extra. I reworked a framework from an article by Sheryl Rowling at Morningstar into four clean, completely legal ways to avoid getting tax penalties. After that, we've got a listener question: A retiree writes in and says, "I don't want to think about money. My plan is tested, I have enough — so what's a simple checklist I can use to stay on track?"  And to close the show, our Retire To Something segment where Clif traded his to-do list for a garden plot — and found community, leadership, and a whole lot of homegrown vegetables in the process.   Resource: Article by Sheryl Rowling at Morningstar: 5 Ways to Avoid Tax Penalties    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  

Nate breaks down the latest tax season data to show how new tax changes are impacting everyday Americans and retirees, and why many people may actually be paying less in taxes than they think.   Source: https://www.cnbc.com/2026/04/15/irs-audit-red-flags.html https://www.newsmax.com/newsfront/trump-tax-season-treasury/2026/04/15/id/1252973/ 

America 250 Reflections Saturday is America's 250th birthday. It's a time to look back at our nation's history and reflect on where we are today as a country. The Declaration of Independence in 1776 guaranteed the rights to equality, liberty and democracy for all. Is America today living up to the promise of its founding? Do citizens today have equal rights and opportunities? Some will say, absolutely, but for others, it's a bit more complicated. On Monday's "Sound of Ideas" we're convening a panel of Northeast Ohioans from a diverse range of perspectives and lived experiences to hear what life is like for them in this country ahead of the 250th, and whether they like the direction the country is going at this moment in time. Guests: - Neil G. McCormick, Retiree, Cinecraft Productions - Poojajeet Khaira, M.D., Psychiatrist Physician - Dominic Harrison, Junior, John Carrol University - Michele Weiss, Mayor, City of University Heights Connect250 Project As the nation marks America's 250th birthday, the oral history nonprofit, StoryCorps, and NPR's Morning Edition are launching a nationwide initiative called "Connect 250" — pairing strangers from different parts of the country to record a conversation about their lives today and what America means to them. These 40-minute long dialogues will be permanently preserved in the Library of Congress, to serve as a time capsule of what life in America was like at 250 years old. StoryCorps Founder and President Dave Isay told us more about this initiative. Guest: - Dave Isay, Founder and President, StoryCorps

Do you know whether your retirement plan is on track, or are you simply hoping it is? Whether retirement is years away or just around the corner, it's wise to pause and take a closer look at your plan today. A retirement checkup can help you know where you stand, identify potential gaps, and make adjustments before small issues become major problems. Many people know they should be saving, but they're less certain whether they're saving enough. That's where a thoughtful review can bring clarity—not just about the numbers, but about faithful stewardship in the season ahead. Know Your Retirement Savings Target No single rule of thumb fits everyone. Your retirement goal depends on many factors, including when you retire, how long you live, your lifestyle, your health, your generosity goals, and whether you'll have income from Social Security, a pension, rental property, or part-time work. Still, benchmarks can be helpful. As a starting point, one common guideline is to aim for about 10-12 times your income by age 67. The point isn't to become discouraged if you're behind. The point is to know where you stand. Once you have a clearer picture, you can make wise adjustments. Know Your Retirement Spending Number Your spending number may be even more important than your savings balance. A million dollars can be plenty for one household and not nearly enough for another because spending determines how much income your portfolio must produce. Start with your current budget, then consider what may change in retirement. Will your mortgage be paid off? Will travel increase? Will transportation costs go down? Will you support adult children or aging parents? Will you downsize, relocate, or stay where you are? Those questions help you see not only what retirement may cost, but also what kind of stewardship this next season may require. Have a Withdrawal Plan It's also important to think carefully about how much you'll withdraw from your savings each year. A common guideline has been the 4% rule, first developed by financial planner William Bengen. He has since updated his research, suggesting the number may be closer to 4.7% with a more diversified portfolio. Fidelity describes it more broadly as a 4%-5% sustainable withdrawal range. So, if you retire with $500,000, you might begin by withdrawing around $20,000 to $25,000 in the first year, then adjust over time. Of course, this is not a guarantee, and it does not mean you'll never touch the principal. Your actual withdrawal rate should depend on your age, health, investment mix, inflation, market conditions, and whether your essential expenses are covered by guaranteed income. The danger is assuming you can withdraw 8%, 10%, or even 12% from your portfolio every year without consequences. For most retirees, that's not a plan. It's a countdown. Prepare for Health Care Costs Medicare is a blessing, but it doesn't cover everything. Retirees may still face premiums, deductibles, co-pays, prescription costs, dental care, vision care, hearing expenses, and more. Long-term care is a separate issue altogether. Recent estimates suggest that a 65-year-old retiring today may need well over $170,000 for health care costs throughout retirement—and that does not include long-term care. For a married couple, health care becomes a major planning item. That's why it's important to prepare in advance and not assume Medicare will cover every need. Understand Social Security For many retirees, Social Security will be one of the largest sources of guaranteed income. You can claim benefits as early as age 62, but doing so can permanently reduce your monthly benefit by as much as 30%. Delaying past full retirement age until age 70 can increase your benefit by 8% for each full year you wait—up to 24% if your full retirement age is 67. Of course, delaying is not always the right answer. Health, family history, income needs, marital status, and work plans all matter. But because this is often a permanent decision, it's worth looking carefully before you claim. Review Your Investment Allocation As you approach retirement, your portfolio may need to become more conservative. But that doesn't mean moving everything to cash. Retirement may last 20 or 30 years, and inflation can quietly erode your purchasing power over time. A wise allocation should balance the need for stability with the need for continued growth. This is one area where trusted counsel can be especially helpful. A Certified Kingdom Advisor® (CKA®) can help you think through your investments, income needs, and long-term stewardship goals through a biblical lens. Retirement Is Not the End of Stewardship Finally, remember that retirement is not the end of stewardship. Psalm 92 says of the righteous, “They still bear fruit in old age; they are ever full of sap and green” (Psalm 92:14). That's a richer vision than simply withdrawing from work and responsibility. Retirement is not about drifting. It's about faithfulness in a new season. So yes, check the numbers. Know your savings target. Build a realistic spending plan. Prepare for health care. Understand Social Security. Review your investments. But also ask, “Lord, what fruit do You want to grow in this season of my life?” If you'd like help reviewing your retirement plan with an advisor who shares your biblical values, visit FindACKA.com to connect with a Certified Kingdom Advisor® (CKA®). On Today's Program, Rob Answers Listener Questions: I've worked at qualifying universities for nearly 10 years under Public Service Loan Forgiveness, but deferments and forbearances kept me from reaching 120 qualifying payments. I now qualify for the buyback program and could pay for about 15–17 missed months to reach forgiveness sooner. Should I do the buyback now or keep making regular payments until I reach 120? I have a home equity loan at 6% with a $32,000 balance and eight years left, and a car loan at 6.09% with a $35,000 balance and six years left. Which should I focus on paying off first? My job is ending soon, and I have only a small amount saved for retirement. I'm about to receive a $16,000 settlement. Given my situation, how should I use or invest that money? I've been with my local bank since 1996, but it's been bought out three times. How do I know when it's time to switch banks, and what should I look for in a new one? I'm turning 73 this August and will need to begin taking RMDs from my IRA based on the end-of-year 2025 balance. I'd like to use Qualified Charitable Distributions to reduce taxable income. When should I make the QCDs so they count toward my RMD? I'm trying to understand fixed indexed annuities. Are they a good option, and what should I consider before using one as an investment? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Christian Credit Counselors Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth The 2026 Social Security Trustees Report is out, and it is already creating headlines about the future of Social Security benefits. In this episode, Tyler Emrick, CFA®, CFP®, breaks down what affluent retirees and pre-retirees actually need to know about the new Social Security report, including the 2032 trust fund projection, the 2034 combined trust fund projection, and why Social Security is not “going bankrupt.” Tyler covers: What the 2026 Social Security Trustees Report says Why benefits do not disappear if the trust fund is depleted Why the retirement trust fund projection moved to 2032 How much of scheduled benefits may still be payable The most likely Social Security fixes Congress may consider Whether Social Security claiming strategies should change What affluent retirees should focus on instead   Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth

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Today we're talking about FORO, the fear of running out. According to a new sweeping study from Corebridge Financial, Americans are nine times more likely to say they'd regret running out of money while they're alive than dying with a fortune left unspent. Now, you have probably spent years, maybe decades, doing everything right, putting money away. You're contributing to your 401k, maybe even maxing it, and you're watching the balance grow, and somewhere in the back of your mind you're telling yourself, "When I finally get there, I'm gonna enjoy this." But here's what a new study just uncovered, and it's one of the most surprising findings in retirement research in years: getting there may be considered the hard part, but spending the money once you do is actually harder for millions of Americans.These are people who've worked hard, they saved diligently, they made it to retirement, and now they're not spending. They're hoarding. They're restricting. They're eating out less. They're skipping the trip. They're holding back, not because they can't afford it, but because they're afraid. Afraid if they actually use what they saved, it might run out. To unpack what's driving this and what to do about it, we are joined by Brian Pinsky, President of Individual Markets at Corebridge Financial, one of the nation's largest providers of retirement solutions. He's also the executive behind this landmark research. And Jean Chatzky, a New York Times bestselling author, personal finance expert, one of the most trusted voices in America when it comes to helping real people make smart decisions with their money. She has partnered with Corebridge to turn these findings into an actionable playbook for retirement. We're gonna walk through what the data shows, why it matters, and what you can do right now, even if retirement is still years away, to make sure you don't fall into this trap. Resources and LinksDecumulation Survey Press Release: Only 28% of Pre-retirees and Retirees are Comfortable Drawing Down Savings in Retirement, But Having a Plan for Decumulation Boosts ConfidenceDecumulation Survey - Full Findings: The decumulation planning gap – Findings from a survey of Americans ages 45 to 79Real Stories with Jean Chatzky (Jean's interviews with real people navigating unique retirement situations) Learn more about Farnoosh's upcoming literary workshop Book to Brand. Early bird registration is now open! Hosted on Acast. See acast.com/privacy for more information.

You've got the retirement numbers all figured out. You're set. But - how will you fill your time on random Tuesday in Year 4 of retirement? Do you have that kind of "soft stuff" figured out? If not, this episode is for you.  Looking for a financial planner?  → PlanWithJesse.com In this episode, Jesse challenges the traditional, finance-centric view of retirement by arguing that long-term financial readiness is only part of the equation, and that the real risks often emerge in the softer domains of identity, relationships, and daily structure once work disappears. He begins by examining identity loss in retirement, highlighting how deeply career roles anchor meaning and how the transition away from a professional identity can trigger confusion or even depression, especially for high-achieving individuals, before introducing practical exercises like writing a retirement bio and deliberately defining post-career roles that create purpose and accountability. He then turns to relationships, emphasizing that work provides an often invisible social infrastructure built on proximity, repetition, and shared mission, and warns that many of these connections do not survive retirement unless intentionally replaced through external communities, recurring activities, and honest planning with a partner about post-work social life. In the third pillar, structured time, he explores how the loss of externally imposed schedules can lead to boredom, drift, and overreliance on low-value distractions like social media, arguing instead for a flexible "retirement rhythm" made up of consistent anchors such as morning routines, physical activity, social commitments, and long-term projects that provide shape without rigidity. He then expands into a series of behavioral and psychological pitfalls—including the end-of-history illusion, arrival fallacy, hedonic adaptation, productivity compulsion, and competence withdrawal—each illustrating how retirees misjudge their future preferences, overestimate lasting satisfaction, or struggle with the loss of daily mastery and external validation. He concludes by reframing retirement success as a system of intentional design rather than passive financial achievement, stressing that while portfolios may fund retirement, it is identity, connection, and structure that ultimately determine whether that retirement feels meaningful or disorienting.  Key Takeaways: • Retirement readiness is not only financial; psychological and structural factors often dominate outcomes. Defining 2–3 meaningful roles creates structure and accountability in retirement. • Workplace relationships are largely built on proximity and do not automatically persist. Retirees should intentionally build non work social networks before leaving work. • Retirement removes external scheduling pressure, increasing risk of aimlessness. • Core weekly anchors include routine, physical activity, social ties, and projects. • Psychological biases like the arrival fallacy and hedonic treadmill distort expectations of retirement satisfaction. • Successful retirement depends on deliberately designing identity, relationships, and structure—not assuming they will emerge automatically. Key Timestamps: (02:50) – 1: Identity (05:10) – Write Your Retirement Bio (06:53) – Identify 2 or 3 Roles for Yourself in Retirement (08:50) – 2: Relationships (12:05) – Audit Your Work Social Life (14:00) – Invest in Relationships Outside of Work (15:12) – 3: Structured Time (16:44) – Where Does the Time Go? (18:46) – Developing a Rhythm for Your Time (21:05) – Draft Your Retirement Week Rhythm (22:44) – Example Schedules (26:07) – Pitfalls and Blind Spots (26:22) – The End of History Illusion (27:34) – The Arrival Fallacy (28:20) – The Hedonic Treadmill (28:53) – The Productivity Trap (29:21) – Competence Withdrawal (30:31) – Don't Put It Off (31:54) – Episode Summary Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: https://iea.org.uk/in-the-media/press-release/retirement-causes-a-major-decline-in-physical-and-mental-health-new-resea/ https://onlinelibrary.wiley.com/doi/abs/10.1002/job.2438 https://www.wsj.com/tech/personal-tech/retirement-social-media-addiction-befe32b4   More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Need a financial planner?  → PlanWithJesse.com  The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

For the first time, adult volunteers from abroad will teach English in Gaza envelope communities through an initiative supporting schools and educational programs as the region continues to recover from the October 7 attacks. The project is part of the Elul organization's "Shnat Sherut 50 Plus", a national service model that enables mid-life and retired professionals to dedicate a year to strengthening Israel's most vulnerable regions. The program is a recent recipient of the President's Award for Volunteerism. Rina Cohen, a founder of the initiative, spoke to KAN's Naomi Segal (Photo: Screenshot, Shnat Sherut 50 Plus)See omnystudio.com/listener for privacy information.

Millions of Americans are entering retirement only to discover they haven't saved enough, taxes are taking a bigger bite than expected, and their investment income isn't covering the lifestyle they envisionedd.We'll discuss a surprising solution: starting a small business in retirement. Join me as we explore how retirees are turning their experience, skills, and passions into income-producing businesses. That's today on The Jon Sanchez Show.

In this episode of the Secure Your Retirement Podcast, Murs and Nick discuss why retirement stress and retirement anxiety don't disappear when the account balance hits a certain number, and what it actually takes to plan for retirement with real confidence. Joined by Senior Wealth Advisor and Certified Financial Planner Nick Hymanson, they walk through the fears and financial stress that show up most often in client meetings, from losing the paycheck to navigating market volatility, long-term care planning, and the weight of protecting a surviving spouse. Whether you are retiring comfortably or still working toward that goal, this conversation gets honest about the gap between having money and having a plan.Listen in to learn about the five critical areas of retirement income planning that form the foundation of a secure retirement, including tax strategy for retirement, healthcare costs in retirement, estate planning, and how to build a financial checklist that actually prepares you for what retirement looks like day to day. Radon, Murs, and Nick explain how financial planning strategies like Roth conversions in retirement and a structured bucket approach to market volatility can shift retirement planning from something that keeps you up at night to something you trust completely.In this episode, find out:Why retirement anxiety hits even high-net-worth retirees, and how the loss of a paycheck changes the entire structure of a retirement planHow market volatility creates sequence of returns risk in the early years of retirement, and what tax strategies for retirees can do to protect against itWhat long-term care planning and healthcare costs in retirement look like inside a complete financial checklist, and why waiting too long to address them is one of the costliest mistakes in planning retirementHow Roth conversions in retirement and other proactive tax strategy tools can reduce your lifetime tax bill, especially in the years between retirement and required minimum distributionsWhy estate planning and protecting the surviving spouse belongs inside every retirement plan, and how the Peace of Mind Pathway™ addresses all five critical areas under one team, one plan, one feeTweetable Quotes:"The only way you overcome these fears is you talk about them. And the only way you get comfortable and confident is there's a plan around it that you can reference and revisit." – Murs Tariq"How do we structure things so there's less risk in the plan and things go the way someone wants them to go? That's what retirement income planning is really about." – Nick HymansonResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

A new report shares that Americans need about $1.5 million for a comfortable retirement and that the average retiree only has about $200K saved.

Are today’s booming markets flashing warning signs from the past? In this episode from this past weekend’s radio show, Abe Abich breaks down comparisons between today’s market surge and historical downturns, and what that could mean for those nearing or in retirement. He highlights the importance of staying cautious during strong market runs, rethinking Roth conversion strategies beyond simple projections, and preparing for potential tax changes. The conversation also covers building flexible retirement income plans designed to adapt to market swings, inflation, and evolving personal goals. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Free Facebook Community: https://www.facebook.com/groups/retirementtransformed Today we are discussing downsizing your home in retirement (or rightsizing!) and how to make the process feel less overwhelming. We discuss the importance of ground rules in your communication and how to go from it seeming daunting to actually opening up your dreams for your future and allowing you to make new memories. #retirement #downsizing #retirement_transformed BUY MARK'S BOOK! The Evolving Man: Life Virtues Men Don't Talk About [Get the FREE Downsizing Guide] How to prepare to downsize your home https://learn.retirementtransformed.com/downsizing-guide-optin USEFUL FINANCIAL TOOLS https://geni.us/new_retirement Use this link for a FREE 14 Day Trial! [Get the FREE Downsizing Guide] How to prepare to downsize your home CONNECT: Engage in our Free Facebook Community ✔️ Facebook: https://www.facebook.com/retirementtransformed ✔️ Instagram: https://www.instagram.com/retirementtransformed ✔️ LinkedIn: https://www.linkedin.com/company/retirementtransformed ✔️ Amazon Shop: https://www.amazon.com/shop/retirementtransformed ABOUT RETIREMENT TRANSFORMED Husband and wife duo, Mark & Jody Rollins, inspire and serve as personal guides to meaningful, transformational journeys for individuals who are planning for, going through or are living in retirement. This is everything in retirement beyond your financial plan. We are not financial advisors or medical experts. Any advice we give is our own and should not be taken as professional advice. This video is for informational and entertainment purposes only. Please seek professional assistance before making any financial decisions or changes that can affect your physical or mental health. FTC: Some links mentioned above may be affiliate links, which means we earn a small commission if you buy a product from the specific link. This video is not sponsored. All Content and video segments are copyrighted and owned by ©Retirement Transformed and cannot be used without permission.

SpaceX just made history with the largest IPO ever, raising $75 billion and quickly becoming one of the most valuable companies in the world. The excitement has investors asking one question: Should you buy SpaceX stock?In this episode of The Capitalist Investor, Derek and Jack take a balanced look at the opportunities and risks surrounding SpaceX's public debut. Rather than focusing on hype, they discuss whether this high-growth company belongs in a retirement portfolio.Topics include: Why the SpaceX IPO is making headlines  The bull case for investing in SpaceX  Valuation concerns and potential risks  How the IPO lockup period could affect the stock price  Why retirees should think differently about growth investments  The difference between investing for excitement and investing for retirement income If you're approaching retirement or simply wondering whether SpaceX deserves a place in your portfolio, this conversation provides the perspective you need before making a decision.The opinions expressed in this podcast are for educational purposes only and should not be considered investment, tax, or legal advice. Always consult a qualified financial professional regarding your individual situation.

Donor-advised funds have become one of the most popular charitable giving tools in the country, with more than $326 billion now held in donor-advised fund accounts. Yet many retirees and investors still don't fully understand how donor-advised funds work, when they make sense, or how they can fit into a broader tax planning and retirement planning strategy. In this episode, Tyler Emrick, CFA®, CFP®, covers: What a donor-advised fund is and how it works Why donor-advised fund assets have nearly doubled since 2020 How donating appreciated stock can reduce taxes and avoid capital gains Why investment growth inside a donor-advised fund may increase charitable impact over time How charitable bunching strategies can create larger tax deductions Common donor-advised fund mistakes and misconceptions Real-world situations where donor-advised funds may fit into a retirement or tax planning strategy For retirees and investors who regularly support charities, a donor-advised fund can be much more than a charitable account. It can be a tax planning tool, an investment tool, and a way to simplify ongoing charitable giving. Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth   Our website:  https://www.truewealthdesign.com/  Phone: 855.TWD.PLAN Contact our team: https://www.truewealthdesign.com/contact-a-financial-advisor/    Check out our other no-cost financial resources here: https://www.truewealthdesign.com/financial-resources/    Watch the show now on YouTube: https://www.youtube.com/channel/UCjENBHOti-IEJFqeydZm_Fg?sub_confirmation=1

Joseph Sternberg explains the impending depletion of the Social Security Trust Fund, labeling it an accounting gimmick. He clarifies that the program is a pay-as-you-go system where current workers fund retirees. Sternbergdiscusses the political difficulty of reform, suggesting private accounts as a viable alternative for younger generations. (5)

Most Retirees Will Run Out of Money. Here's Why. Many Americans enter retirement believing they have enough saved, but the reality can be very different. Inflation, healthcare expenses, taxes, market volatility, and spending habits can put tremendous pressure on a retirement portfolio over time. **Schedule your free virtual consultation

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

David McKnight kicks this episode off by explaining how, for decades, conventional financial wisdom has been saying that, as you approach retirement, you should begin dialing down your stock exposure and increasing your bond allocation. A 60-year-old, for example, would have 40% of their portfolio in stocks and 60% in bonds.  Historically, bonds served three primary functions: They provided income, they reduced portfolio volatility, and they protected retirees from so-called sequence of returns risk. David touches upon how the sequence of returns risk works. Retirees who get hit early often run out of money earlier – in some cases, even 15 years prior to life expectancy. The old approach to retirement planning assumes that bonds could provide meaningful returns while still acting as a stabilizer. However, recent years have shown that bonds are not risk-free. Back in 2022, for instance, the Bloomberg U.S. Aggregate Bond Index lost 13%. Long-term treasuries did even worse, as many lost between 25 to 30% due to rapidly rising interest rates. David stresses that an annuity can do something bonds cannot do: It can guarantee income that you cannot outlive. It's important to realize that whenever your basic living expenses are covered, something profound happens psychologically: You stop depending on your investment portfolio to solve every problem. Furthermore, you feel as if you now have permission to spend. Studies show that those who have guaranteed lifetime income spend 22% more than those who rely strictly on a stock bond portfolio. A properly funded IUL can create a pool of tax-free money that's insulated from stock market loss and available during downturns. David unpacks a strategy that can increase the sustainable withdrawal rate on your stock portfolio from 4% to as high as 8% with a 95% success rate. When you combine guaranteed lifetime income from annuities with a volatility shield in the form of IUL, you are no longer reliant on bonds, says David. He also touches upon why retirees who adopt the no-bond power of zero approach begin to take a lot more risk in their stock market allocations. David wraps things up by sharing insights on what retirees should think about and do to increase the likelihood that, in retirement, their money will last as long as they do.     Mentioned in this episode: David's new book: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Bloomberg U.S. Aggregate Bond Index

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

(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.