Podcasts about Retirement

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If you've read economic headlines recently and thought, “Well, that's not comforting,” you're not alone. Market swings and broader economic uncertainty are enough to make even confident investors second-guess their strategies.  And here's the hard truth: Wall Street doesn't care if you're retiring next year. It doesn't care if you're five years away. And it definitely doesn't care if you're lying awake at night wondering if you've done “enough.” The good news? You can take steps to build confidence.  On a special episode of the HerMoney Podcast, sponsored by LIMRA, Jean sits down with two of the smartest voices in retirement – Jason Fichtner, Executive Director of the LIMRA Retirement Income Institute and David Blanchett, head of retirement research at Prudential, a portfolio manager at PGIM and a LIMRA Retirement Income Institute Fellow – to talk about how to step off the emotional rollercoaster of the markets and build a retirement plan that feels stable, predictable and livable.  In the episode, they'll break down: Why market swings hit harder as retirement gets closer How protected income can help build a foundation for financial peace of mind Whether you should be worried about the future of Social Security Why waiting to claim Social Security can be one of your biggest wins – and strategies to make doing so easier Protected income can play a helpful role in creating more stability in retirement. If you're curious and want to dig deeper, these two resources from LIMRA can help: Retirement planning can feel complex. This resource breaks down how fees and commissions work, so you know what to expect and what questions to ask. There's plenty of conflicting information online about annuities. This guide walks through common misconceptions and explains the basics to help you better understand how they fit into retirement planning. Learn more about your ad choices. Visit megaphone.fm/adchoices

Roger Whitney continues the four-part series on navigating health care before Medicare, focusing this week on controlling costs—both through everyday decisions and by understanding how the Affordable Care Act (ACA) subsidy system works now that the expanded credits have expired. He explains the return of the 400% federal poverty level “cliff,” walks through how modified adjusted gross income (MAGI) impacts premiums, shares listener experiences with inflation and subsidy loss, and explores the ethical tension around optimizing for government benefits.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the confidence to lean in and rock it.(00:30) Roger introduces week three of the four-part series on health care before Medicare, focusing on controlling health care costs and understanding ACA subsidies. He previews next week's structured decision framework and conversation with Taylor Schulte of Define Financial.PRACTICAL PLANNING SEGMENT(02:35) Start with the fundamentals: staying or getting healthy through strength, cardio, mobility, screenings, and proactive chronic condition management to potentially reduce long-term costs.(04:58) Compare all available coverage options and use practical strategies like staying in-network, timing procedures, and shopping prescriptions to manage costs.UNDERSTANDING THE ACA SUBSIDY SCHEME (POST-2025 CHANGES)(08:48) Roger breaks down the Affordable Care Act's premium subsidy scheme, designed to make health care more affordable and protect coverage for preexisting conditions. He explains how subsidies are based on income relative to the federal poverty level (FPL) and how the rules have changed over time, including expansions under the American Rescue Plan and temporary extensions during COVID.(11:55) Roger explains how the premium tax credit works, including that eligibility is based on having income between 100% and 400% of the federal poverty level, and that exceeding the threshold by even $1 eliminates any subsidies(14:00) Roger gives an example of a married couple comparing higher versus lower income, illustrating how managing income can significantly affect subsidies in the years before Medicare.(15:47) What counts toward Modified Adjusted Gross Income (MAGI) and what does not count.(18:00) Reconciliation risk: estimating income during open enrollment and potentially repaying subsidies if actual income exceeds projections.(22:30) Strategic planning opportunities: building tax diversification before retirement (taxable, Roth, HSA) to create flexibility in managing MAGI and avoiding unforced errors like unexpected capital gain distributions, RSU vesting, or inherited IRA withdrawals.(26:40) Common pitfalls that can unexpectedly reduce your health care subsidies, and why keeping a buffer below the income cliff matters.LISTENER QUESTIONS & OBSERVATIONS(30:25) Joe reflects on retiring in his early 50s and how health care costs quickly became a major factor in his retirement planning.(35:35) Clarification on ACA navigators and where to find assistance through HealthCare.gov and research from Kaiser Family Foundation.(37:00) David shares his experience navigating insurance before Medicare, highlighting how exploring different options helped manage costs.(38:36) Gene asks about handling a gap in coverage before Medicare, and Roger shares strategies to manage costs and explore available options.(45:20) Philosophical discussion on whether it is appropriate to intentionally manage income to qualify for subsidies, and how each person must reconcile financial optimization with personal values.SMART SPRINT(51:30) Choose one area of spending this week—health care or otherwise—and apply intentional cost awareness to build the habit of conscious cost control.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManKaiser Family Foundation (KFF)Healthcare.gov

After several “Good Morning” greetings, the Fat One jumps right in to more from the Book Club selection and FINALLY answers some So-So questions… and boy are they So-So. Happy National Drink Wine Day.

Self-employed or running a creative business?  You're not alone if tax season turns into a last-minute scramble to find help from someone who understands that your income doesn't look like a normal paycheck. Artist turned tax expert Hannah Cole takes the fear out of taxes and explains the basics in a clear, approachable way. You'll learn what to do throughout the year to make tax season easier, how much to save for self-employment tax, and get tips for making the transition from side hustle to full-time business. Topics discussed: Introduction (00:00) What inspired Hannah to become a tax expert (01:44) Why creatives feel unseen by accountants (04:51) Tax tips for the self-employed (06:05) How to filter out bad advice and choose the right professional (08:53) Tax Day financial check-up (11:16) Key numbers to review on your tax return (13:00) How to estimate your quarterly taxes (15:19) Hannah's book, Taxes for Humans, and more resources (16:16) Transitioning from side hustle to full-time business (17:41) What brought you JOY today? (21:14) If you're a writer who wants to take control of your finances, read Mitlin Financial's Write Your Financial Future: A Financial Guide for Authors: https://www.mitlinfinancial.com/insights/blog/write-your-financial-future-a-financial-guide-for-authors/ Resources: Sending your child to college will always be emotional but are you financially ready? Take the College Readiness Quiz for Parents: https://www.mitlinfinancial.com/college-readiness-quiz/ Doing your taxes might not be enJOYable but being more organized can make the process less painful. Get Your Gathering Your Tax Documents Checklist: https://www.mitlinfinancial.com/wp-content/uploads/2024/06/Mitlin_ChecklistForGatheringYourTaxDocuments_Form_062424_v2.pdf Will you be able to enJOY the Retirement you envision? Take the Retirement Ready Quiz: https://www.mitlinfinancial.com/retirement-planning-quiz/ Connect with Larry Sprung: LinkedIn: https://www.linkedin.com/in/lawrencesprung/ Instagram: https://www.instagram.com/larry_sprung/ Facebook: https://www.facebook.com/LawrenceDSprung/ X (Twitter): https://x.com/Lawrence_Sprung Connect with Hannah Cole: The Sunlight Podcast: https://www.sunlighttax.com/podcast Instagram: https://www.instagram.com/sunlighttax/ TikTok: https://www.tiktok.com/@sunlighttax Youtube: https://www.youtube.com/@sunlighttax LinkedIn: https://www.linkedin.com/in/hannah-cole-3775561/ Website: https://www.sunlighttax.com/ About Our Guest: Hannah Cole is a tax expert who specializes in working with self-employed people, especially creative and mission-driven ones. A long-time working artist herself, she's helped tens of thousands of self-employed people skill up with accessible tax and money education, through her Money Bootcamp program, tax workshops from Florida to Alaska, and on the Sunlight Tax podcast. Her forthcoming book, Taxes for Humans: Simplify Your Taxes and Change the World When You're Self-Employed, is the most funny and empowering tax guide you'll ever read. Hannah is the founder of Sunlight Tax. Disclosure: Guests on the Mitlin Money Mindset are not affiliated with CWM, LLC, and opinions expressed herein may not be representative of CWM, LLC. CWM, LLC is not responsible for the guest's content linked on this site. This episode was produced by Podcast Boutique https://www.podcastboutique.com

Many retirement mistakes aren't dramatic — they're quiet. And they often go unnoticed for years.In this episode, Miguel Gonzalez highlights common retirement planning mistakes people don't realize they're making — from outdated beneficiaries to overlooked tax considerations and scattered workplace accounts. A few small adjustments today can help you stay organized, reduce stress, and protect your long-term financial goals.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 20 years of experience helping individuals and families plan for retirement income, investment management, and long-term financial clarity. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, tax strategy awareness, and financial organization.#RetirementPlanning #RetirementMistakes #CortburgSpeaksRetirement #FinancialWellness #MiguelXGonzalez #WealthPlanningWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com

Tim Stearns, owner and president of TJ Stearns Financial Planning & Benefits, joins Jon Hansen to discuss filing your taxes, moving your money to a new advisor, and things that could be a conflict of interest. For more information, call 800-640-2256.

#ThisMorning | #Kinship #Families face significant #financial #stresses | Kathryn Larin, U.S. Government Accountability Office | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #wellness

Steve Bugg, President & CEO of Great Lakes Credit Union, joins WGN's Jon Hansen to discuss how GLCU is celebrating Black History Month. Steve discusses investing in committees and how their builder loan helps members build credit. For more information, visit: www.glcu.org.

Let's Retire Retirement author Derek Coburn finds the flaws in how we traditionally plan for life after work — and demonstrates how we can do it smarter.Full show notes and resources can be found here: jordanharbinger.com/1286What We Discuss with Derek Coburn:Traditional retirement planning is fundamentally broken. Financial advisors ask when you want to retire, not if you should, leading millions to sacrifice health, happiness, and relationships in pursuit of an arbitrary finish line they never actually chose.By planning to work just 10 years longer, the amount you need to save drops by 96% — from $2,400 per month to $110 — freeing up money and energy to actually live your life now rather than deferring it indefinitely.Alzheimer's and dementia are the "iceberg to your financial plan's Titanic." These conditions don't kill you quickly, meaning care costs can drain family resources for years, and your parents' health has a direct impact on your retirement security.The pursuit of happiness as a direct goal actually backfires. Research shows people prioritizing personal pleasure get sicker and die sooner, while those driven by purpose and meaning experience lower inflammation and stronger immunity.You likely have more freedom than you realize. Finding work you don't hate, even part-time, lets you stay engaged, maintain purpose, and enjoy the compounding benefits of extra years while spending more time with the people who matter most.And much more...And if you're still game to support us, please leave a review here — even one sentence helps! Sign up for Six-Minute Networking — our free networking and relationship development mini course — at jordanharbinger.com/course!Subscribe to our once-a-week Wee Bit Wiser newsletter today and start filling your Wednesdays with wisdom!Do you even Reddit, bro? Join us at r/JordanHarbinger!This Episode Is Brought To You By Our Fine Sponsors: The Cybersecurity Tapes: Listen here: thecybersecuritytapes.comBetterHelp: 10% off first month: betterhelp.com/jordanBoll & Branch: 15% off first set of sheets: bollandbranch.com, code JORDANBombas: Go to bombas.com/jordan to get 20% off your first orderButcherBox: Free protein for a year + $20 off first box: butcherbox.com/jordanThe President's Daily Brief: Listen here or wherever you find fine podcasts!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Retirement is often pictured as the “reward” after decades of hard work—but for many people, it can feel like a confusing emotional shift. What once gave structure, purpose, and identity is suddenly gone. And even though retirement is a blessing, it can still bring feelings of restlessness, loneliness, or even grief. This devotional reminds us that contentment isn’t automatically found in a new season of life—it must be learned and practiced through faith. The Apostle Paul teaches that “godliness with contentment is great gain,” because our true security isn’t in what we earn, own, or accomplish. It’s in the Lord. Retirement is a gift, but it’s not meant to be an ending—it can be a new beginning. A season to reconnect with loved ones, invest in meaningful community, and pursue passions that time never allowed before. Most importantly, it’s a time to refocus our hearts on what lasts eternally. God can meet retirees in this new chapter with fresh purpose, renewed joy, and peace that doesn’t depend on busyness or productivity. Contentment grows when we remember how deeply we are already blessed in Christ. Main Takeaways Retirement is a blessing, but it can still come with unexpected emotional challenges. Contentment is something we learn through trusting God, not something circumstances automatically provide. Our worth and purpose are not tied to our careers or productivity. Retirement can be a meaningful season of growth, relationships, service, and spiritual renewal. God is able to replace discontentment with joy and peace. Today’s Bible Verse “But godliness with contentment is great gain. For we brought nothing into the world, and we can take nothing out of it” (1 Timothy 6:6-7). Your Daily Prayer Prayer excerpt for listeners: “Lord, help me to be content in this season and to remember that knowing You is the greatest blessing of all.” Listen to the full prayer here, or read the full devotional and complete prayer by visiting the links below. Explore more devotionals, encouragement, and Christian resources: LifeAudio.com – More podcasts and daily devotionals Crosswalk.com – Daily faith content, Bible study tools, and Christian living articles This episode is sponsored by Trinity Debt Management. If you are struggling with debt call Trinity today. Trinity's counselors have the knowledge and resources to make a difference. Our intention is to help people become debt-free, and most importantly, remain debt-free for keeps!" If your debt has you down, we should talk. Call us at 1-800-793-8548 | https://trinitycredit.orgTrinityCredit – Call us at 1-800-793-8548. Whether we're helping people pay off their unsecured debt or offering assistance to those behind in their mortgage payments, Trinity has the knowledge and resources to make a difference. https://trinitycredit.org Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

In this compilation program, Justin Klein and Luke Guerrero field a variety of finance and investment questions from callers across the United States and around the World.Today's Stocks & Topics: Residential Real Estate in Bay Area, Portfolio Management, Bitcoin, Three-Buckets Retirement Strategy, CD Rates, Changing Taxes Status, Oil Field Services, Saving for Retirement, How to Short a Stock, Safe Haven Investment, Liquidity, Monetizing Debt, International Exposure, Options & Capital Gains, Covered Calls ETFs.Our Sponsors:* Check out Anthropic: https://claude.ai/invest* Check out Quince: https://quince.com/INVESTAdvertising Inquiries: https://redcircle.com/brands

When you're standing at a major financial crossroads, the timing of your decisions can mean the difference between success and failure. Joe Anderson, CFP® and Big Al Clopine, CPA spitball on the "when" of five retirement decisions, today on Your Money, Your Wealth podcast number 569. We'll kick things off with a whale of an email: "Fine and Dandy" is 42 years old with a multimillion dollar private equity offer on the table. Should he sell his business now or hold out for a second bite of the apple later? He also wonders if it's crazy to spend more on his vacation home than on his primary residence. David calls himself an "elderly orphan," flying solo at 66 and in need of a plan to protect his million-dollar portfolio as he ages. BB and Shell are trying to time their final year of retirement contributions to save as much as possible before moving to a lower-tax state. Should they go Roth IRA or traditional? Joel wonders when to take required minimum distributions from retirement accounts for the maximum tax benefit, and Brian in New York needs a spitball on when it makes sense to have an emergency fund as a retiree, and for how much. Free Financial Resources in This Episode: https://bit.ly/ymyw-569 (full show notes & episode transcript) Growing Your Wealth Guide - free download Retirement Readiness Guide - free download Retire at 62: Great Idea or Huge Mistake? - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters:  00:00 - Intro: This Week on the YMYW Podcast 01:09 - Should I Sell My Business or Wait? Is It Crazy to Spend More on My Vacation Home Than My Primary Residence? (Fine and Dandy, IL) 20:48 - Saving to Roth IRA vs Traditional IRA in the Final Year Before Retirement (BB and Shell) 23:50 - When to Take Your First RMD for the Maximum Tax Benefit (Joel, CA) 27:33 - Aging Alone in Retirement: How to Protect Assets Before Cognitive Decline (David, 68, Logan, NM) 35:37 - Why Some CPAs Cap Roth Conversions at $500K AGI (Shweta, CA) 37:05 - When Does It Make Sense for Retirees to Have an Emergency Fund - and How Much? (Brian, Albany, NY) 42:03 - Outro - Next Week on the YMYW Podcast

Don and Tom dissect a Morningstar article naming the “best core stock funds” for 2026, noting the sharp decline in recommended actively managed funds and the dominance of low-cost index funds. While they applaud the shift away from expensive stock pickers, they argue Morningstar's “core” approach still leads to unnecessary complexity and heavy large-cap (especially S&P 500) concentration, with little exposure to small-cap, value, and emerging markets. They advocate instead for simple, globally diversified, factor-tilted funds like DFAW, AVGE, or AVGV. Listener questions cover switching from AVGE to AVGV inside an IRA (risk tolerance matters), improving a 32-year-old's 401(k) allocation (use a Roth IRA to add small/value exposure), and a sharp analogy comparing passive investing to driving with traffic rather than weaving aggressively for no gain. 0:04 Investing in a “wonderful world” by ignoring noise 1:14 AI audio tools that may replace editors (and shorten meetings) 5:06 Morningstar's 2026 “Best Core Funds” list shifts toward indexing 6:39 Why “core” still means large-cap heavy and incomplete diversification 9:50 The problem with piling into multiple S&P 500 funds 12:14 Why Dimensional and Avantis are missing from the list 13:26 One-fund global solutions: DFAW, AVGE, AVGV 17:44 Listener analogy: aggressive driving vs. active investing 19:08 IRA question: Switching from AVGE to AVGV and risk tolerance 20:34 32-year-old's 401(k) allocation and using a Roth IRA to add small/value 28:40 Retirement workshop plug and who should attend 30:21 Free fiduciary advice vs. actually hiring an advisor Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we jump back ten years to a pair of back to back PWTorch Livecasts from ten years ago.First, the Feb. 12, 2016 episode with PWTorch columnist Bruce Mitchell and Travis Bryant of the East Coast Cast wrapping up the week in pro wrestling focusing on Daniel Bryan's retirement and Titus O'Neil's suspension with live calls and emails.Then the Feb. 15, 2016 episode with PWTorch assistant editor James Caldwell and PWTorch columnist Pat McNeill host the Raw post-game show breaking down the top news from Raw. Then, live calls and emails for the remainder of the show.Become a supporter of this podcast: https://www.spreaker.com/podcast/pwtorch-dailycast--3276210/support.

Nate Miles joins Jeremy Keil to discuss how the Allspring retirement research reveals trends of concern among retirees and the options they have to address them. Mike and Susan did what many couples do. They saved diligently. They crossed the $1 million mark before retirement. They felt prepared. But when it came time to make actual retirement decisions—when to claim Social Security, how to withdraw from their accounts, how to manage taxes—they realized something uncomfortable: They had spent decades saving… but very little time learning how to retire. This example speaks directly to what this year's Allspring Retirement Study uncovered. As Nate Miles shared on the “Retire Today” podcast, this wasn't a small or struggling population. Participants were 50+ with at least $200,000 in investable assets. A third of retirees surveyed had $1 million or more. Yet only six out of ten retirees said they feel financially secure. That gap between assets and confidence tells us something important: retirement success isn't just about how much you've accumulated. It's about how well you transition into distribution. The Social Security Mistake One of the most striking findings involved Social Security. Nate explained: “One third of our respondents claimed Social Security at 62 years old… because they believed the value or the benefit of waiting was not worth it. Yet they underestimated the value of waiting by 50%.” Many respondents assumed the benefit grew at 4% per year when delayed. In reality, for most people, it grows closer to 8% annually between full retirement age and 70. That misunderstanding alone can permanently reduce lifetime income. In the MAKE step of the 5 Step Retirement Master Plan, Social Security is foundational. For many retirees, it represents 30–40% of their guaranteed income. Optimizing that decision isn't optional—it's essential. And yet, education around it is surprisingly thin. As Nate pointed out, there are “560-something permutations” of Social Security claiming strategies. It's ubiquitous, but complicated. And too often, people default to the earliest date simply because it feels tangible. The Tax Blind Spot The second major theme of the study? Taxes. Only about 20% of retirees reported using a tax-efficient withdrawal strategy. Think about that. After decades of saving in multiple account types—traditional IRAs, Roth IRAs, brokerage accounts—most retirees are simply withdrawing from wherever feels convenient. Nate put it plainly: “Taxes matter for everyone, not just the high net worth crowd.” In the KEEP step of retirement planning, how you withdraw can meaningfully impact how long your money lasts. Choosing between Roth and traditional dollars. Managing capital gains. Coordinating withdrawals with Social Security timing. These aren't abstract academic exercises. They are practical levers that affect real income. Yet as Nate observed, most people spent 40 years having taxes withheld automatically from paychecks. They paid taxes—but they never actively managed them. Retirement flips that script completely. Now you must choose. The Psychological Shift No One Talks About Nate shared that many retirees are comfortable spending above their retirement number—until their account dips below it. The moment it falls beneath that original balance, panic sets in. Even if the plan accounts for drawdown. Even if it's sustainable. Even if it's expected. That's what I call the “accumulation paradox.” Economists assume you'll build your assets and gradually spend them down toward zero. Real people assume the number should stay intact forever. But retirement isn't about preserving a scoreboard. It's about funding a life. This is where the SPEND step meets the INVEST step. You saved to use the money. And yes, at some point, your balance may begin to decline. That's not failure. That's function. Advice Still Matters One of Nate's most memorable lines was this: “Monte Carlo gets 10,000 cracks at retirement. You and I get one.” We don't get multiple trial runs. We get one real-life retirement. That's why quality advice matters. The study suggests people with pensions are more likely to use annuities. People with advice are more likely to use tax strategies. And people who understand their income sources are more confident. Retirement is no longer just accumulation. It's design. And design requires intention. If you're within five years of retirement—or already there—ask yourself: Have I optimized my Social Security? Am I intentionally managing taxes? Do I have a clear income floor? Am I emotionally prepared to draw down assets? Because as this year's research shows, even million-dollar portfolios can feel uncertain without a plan. Retirement isn't about guessing well. It's about designing well. 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 Allspring 2026 Retirement Study: By Default or By Design? Nate Miles, Allspring Global Investments 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

Send a text“The younger you start with insurance the better off you are.”-Alan PorterExclusive Insights from This Week's EpisodesEver wonder why your business booms but your wealth evaporates? In this powerhouse episode, wealth expert Alan Porter exposes the brutal gaps that trap entrepreneurs—tax pitfalls, unprotected assets, and retirement risks that turn wins into wipeouts. You'll learn ruthless strategies to slash taxes, eliminate debt faster, safeguard against health crises, and create tax-free legacies that protect your family and fuel true freedom. No more leaving money on the table or risking everything on outdated advice. This is your wake-up call to keep what you earn and dominate wealth like never before.EPISODE HIGHLIGHTS00:02:10 Why “what you keep” matters more than what you make00:05:30 The real cost of ignoring tax strategy before an exit00:09:45 How one dentist reclaimed over $2 million in past taxes00:14:20 The long-term care crisis entrepreneurs refuse to face00:23:10 Why 70 percent of Americans will need long-term care00:31:00 Retirement risk most fiduciaries never explain00:35:40 The concept of effective interest cost and hidden debt traps00:41:00 The one decision Alan wishes he made decades earlierFull show notes, transcript, and resources for this episode:https://podcast.deepwealth.com/517The Deep Wealth Podcast Most entrepreneurs do not fail.They just carry too much for too long. The business grows. Pressure grows faster. Profits get harder to predict. Decisions cost more energy. Over time, focus slips and health takes the hit. The Deep Wealth Podcast and Deep Wealth Mastery are built from real experience. We're the only system based on a 9-figure exit. This system exists because guessing gets expensive.

Send a textFinancial Advisor Tim Russell, CFP® and Tyler Rutherford discuss creative ways of being generous in retirement.See the show notes here!Subscribe to "Life in the Markets" PodcastBuy our new book: The Good StewardWealth Management from a Biblical WorldviewStewardship Seminars from a Biblical WorldviewLearn more at: StewardologyPodcast.comSchedule a Personal Stewardship Review at: StewardologyPodcast.com/ReviewGet in touch with us at: Contact@StewardologyPodcast.comor call us at: (800) 688-5800Send us episode ideas! StewardologyPodcast.com/ideaSubscribe to get episodes delivered to your inbox every week.Follow along: Facebook, InstagramA ministry of Life Financial Group & Life Institute.Securities and Advisory Services offered through GENEOS WEALTH MANAGEMENT, INC. Member FINRA and SIPC

Lately, I've been seeing a TON of retirement planning content telling people:"Don't work another year. Retire now. You're wasting time."And honestly… as a retirement-focused financial planner, that message kind of rubs me the wrong way.Not because it's always wrong… but because I think there's an angle behind it.In today's episode, we break down what One More Year Syndrome really is, why it's become such a popular retirement planning trend on YouTube and podcasts, and why you may want to take this advice seriously… but also why you might need to take it with a grain of salt.Because retirement isn't just about sitting on the beach 7 days a week.Retirement should be about purpose, meaning, freedom, and using your time, talents, and treasure in the way that matters most.I also share a powerful story from a recent conversation with a prospective client who reached out after losing three of his closest friends last year, and how that kind of wake-up call can completely change the way you think about retirement timing.At the end of this episode, I give you 3 questions to ask yourself to determine whether you're truly delaying retirement for financial reasons… or if you're simply afraid of stepping into the unknown.If you're in your 50s or early 60s, have saved $1M+ for retirement, and you're wondering whether you should retire now or work longer, this episode is for you. ✅ Questions Covered In This Episode:Should I retire now or work one more year?Is One More Year Syndrome real?How do I know if I'm financially ready to retire?How do I find purpose after retirement?What if I retire too early?What if I wait too long and regret it? ⛳ PFR Nation (Who This Is For)If you're over 50, have saved seven figures (or multiple seven figures), love golf and travel, and you want to make work optional while minimizing taxes… welcome to the right place.

Welcome to the Minority Mindset Show! Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link2.briefs.co/gie Below are my recommended tools! Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or podcast). ---------- ➤ Invest In Stocks Passively 1) M1 Finance - Buy stocks & ETFs automatically: https://theminoritymindset.com/m1 ---------- ➤ Life Insurance 2) Policygenius - Get a free life insurance quote: https://theminoritymindset.com/policygenius ---------- ➤ Real Estate Investing Online 3) Fundrise - Invest in real estate with as little as $10! https://theminoritymindset.com/fundrise ----------

In this episode Brian and Jeff discuss the 4 pillars  of differentiation of Madrona Financial and common retirement myths and misconceptions. 

In this episode of Retire With Style, Wade and Alex discuss key retirement tax planning strategies, including Roth conversions, effective marginal tax rates, and the role of income tracking in decision-making. They examine long-term capital gains treatment, IRMAA surcharges, and the structural design of retirement accounts. The conversation also highlights the complexity of the tax code, the value of automated tax-mapping tools, and strategic considerations such as using reverse mortgages to manage tax liabilities.   Takeaways Expenses do not equate to tax bills in retirement. Roth conversions can help manage tax implications of RMDs. Medicare IRMA surcharges are not affected by Roth conversions. A 12% EMR target is reasonable for most retirees. Monitoring income is crucial for effective tax planning. Long-term capital gains can be harvested at 0% under certain conditions. Simplifying the tax code could alleviate financial planning complexities. Roth conversions do not have a defined break-even age. Effective marginal rates consider more than just income tax brackets. Qualified Longevity Annuity Contracts can defer RMDs. Chapters 00:00 Understanding Required Minimum Distributions (RMDs) and Tax Implications 01:55 Roth Conversions and Medicare IRMA Considerations 04:13 Establishing Effective Marginal Rates for Tax Efficiency 07:34 Income Tracking and Year-End Tax Planning 09:21 Long-Term Capital Gains and Tax Bracket Strategies 12:02 The Role of Tax Maps in Financial Planning 15:16 Simplifying the Tax Code: A Call for Change 15:57 Roth Conversions: Timing and Break-Even Analysis 17:13 Effective Marginal Rate vs. Effective Tax Rate Explained 18:50 Qualified Longevity Annuity Contracts and RMDs 20:14 The Ideal Retirement Account Structure 21:44 Tax Diversification Strategies for Different Ages 23:47 Using Reverse Mortgages for Tax Payments 24:33 Impact of Reverse Mortgages on ACA Subsidies 26:38 Roth Conversions vs. Tax Gain Harvesting Strategies 28:55 Utilizing Tax Map Calculators for Personalized Planning 29:58 Conclusion and Future Considerations   Links

RaeAnn Tucker joined Wake Up Tri-Counties to talk about Heart Health Month, Dr. Ford's retirement, insurance navigators, the new WIC location in Kewanee, and 12 communities in 12 months. February marks American Heart Month, and area health officials are urging residents to prioritize heart health. The Henry and Stark County Health Departments, along with First Choice Healthcare Clinics, are now offering free access to automated blood pressure monitors in Kewanee, Colona, and Toulon. Individuals can use these monitors and take home a printout of their results. A new loaner program also allows residents to track blood pressure at home. The new WIC offices in Kewanee are open at 109 South Burr Boulevard, offering expanded services for families. In other news, Dr. Donald Ford retires after nearly five decades of distinguished service. Details about insurance help, WIC applications, and health resources can be found at henrystarkhealth.com. Health insurance navigators are available at several local venues in February to help with coverage questions and enrollment.

Send a textBoth lump-sum investing and dollar-cost averaging are valid investment approaches. But, is one approach better than the other?If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

In this episode, The Annuity Man discusses:  RMDs as a built-in income stream Building a reliable income floor for Chapter Two Stacking income sources intentionally Choosing truth over product-driven advice   Key Takeaways:  Required Minimum Distributions are not just tax events but forced withdrawals that create predictable income. Like Social Security, they function as an annuity whether you planned for one or not. Seeing RMDs as income rather than irritation changes how retirement planning is approached. Retirement is reframed as Chapter Two, a season focused on lifestyle and freedom. The priority is creating a guaranteed income floor that covers essential expenses regardless of markets. With that baseline secured, retirees gain confidence and flexibility in their financial decisions. An income floor can include Social Security, pensions, RMDs, dividends, rentals, bonds, CDs, treasuries, and MYGAs. RMDs must be factored in because they are predictable and legally required. Failing to include them can lead to unnecessary product purchases and inefficient planning. Not everyone needs to buy an additional annuity. If projected RMD income already meets lifestyle needs, additional guarantees may be unnecessary. A truth-first approach prioritizes client needs over sales, reinforcing trust and long-term credibility.   "You already own an annuity, and it's called Social Security, and it's the best inflation annuity on the planet." —  Stan the Annuity Man   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

Feeling like you should already have all the answers is often what keeps people from ever starting a retirement plan. In this episode of Charleston’s Retirement Coach, Brandon Bowen explains what really happens in a first planning conversation and why it’s okay to show up uncertain, overwhelmed, or unsure. The discussion covers common fears about running out of money, market risk, debt, and decision paralysis, and why honesty matters more than preparation. A candid look at building a retirement plan by addressing blind spots, priorities, and real‑life concerns—without judgment. 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.

Inflation is squeezing paychecks—and retirement income feels the pressure even more. On this episode Kevin Madden breaks down how retirees can balance income, risk, and lifestyle when the market is unpredictable. They explore why market growth isn’t the same as retirement income, how guaranteed strategies can change the math, and where tools like bonds, annuities, and even gold may (or may not) fit. The conversation comes back to one core idea: retirement isn’t built on guesses—it’s built on sustainable income decisions. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

Have you considered how the timing of withdrawals in retirement might affect your financial plan? On this month's episode of Six Minutes of Wisdom, Ross and Cynthia explore the potential effects of sequence risk and how we can manage it.

What if the real problem in retirement isn’t bad investments—but no written plan at all? In this episode, Jim Fox delivers a candid breakdown of why most retirees own plenty of financial products but lack a clear income strategy. He explains how missing details around taxes, required minimum distributions, and timing can quietly derail retirement efficiency. Using relatable analogies, Jim highlights why written income plans matter, why “hoping it works out” isn’t a strategy, and how simplicity and customization play a bigger role than chasing returns as retirement approaches. Ready to connect with Jim today? Get some Financial Straight Talk! Follow us on social media: YouTube | FacebookSee omnystudio.com/listener for privacy information.

I've reviewed thousands of federal employee TSP accounts. And the biggest losses usually don't come from market crashes. They come from withdrawal timing, fund allocation at the wrong life stage, and not understanding your three options when you retire.In this video, we break down the most overlooked Thrift Savings Plan mistakes, including sequence of returns risk, TSP withdrawal rules, and rollover decisions that can significantly impact long-term retirement income.

Employment lawyer Patrick Dolan of Conti and Dolan joins Jon Hansen on Your Money Matters to discuss today's mixed job market, non-compete agreements, worker misclassification and take listener questions.

Dr. Gregg Lunceford, Wealth Advisor at Mesirow Wealth Management, joins Jon Hansen for a Mesirow Monday. Gregg continues his conversation on the importance of discussing your finances with your partner or spouse. What kind of financial secrets are people keeping, and what are they lying about? For more information, visit www.mesirow.com or call 877 Mesirow.

Attorney Rae Kaplan of Kaplan Law Firm joins Jon Hansen on Your Money Matters to discuss the impending student loan cliff, emphasizing the urgency for action by May due to extended processing times at the Department of Education.

#ThisMorning | #DataCenters, #Office Buildings, #Retail & More: A Look at #Commercial #RealEstate | Matthew Mowell, @cbre | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #wellness

After numerous shows with players from Wales, New Zealand, South Africa, France, we have ourselves an England international. And what a way to kick off the red rose association.Anthony Watson is one of the game's biggest names over the last decade. He broke onto the scene young, played over 50 times for England, a double British & Irish Lion, and retired by 30. Injury prevented him from achieving even more, but as you will hear it also opened up other opportunities for him. From losing his way when first dealing with life in the spotlight, to university and masters degrees with a big future to look forward to, this is an incredible insight into how the world of elite sport can deliver big success both on and off the pitch. We're delighted to welcome Anthony to Business of Sport.Retirement, Injury & Identity:Why long injury spells prepared Anthony for the reality of retirement.The shock of going from England international to silence overnight.The unhealthy obsession with recovery and performance that followed.Building purpose beyond rugby through media, business and new ventures.Eddie Jones, England & Elite Standards:Why Eddie Jones was a better man manager than people realise.The detail and intensity required to succeed in the England environment.What really went wrong at the 2015 Rugby World Cup.The Business of Rugby & Innovation:Why the Premiership needs radical innovation beyond the pitch.The reality of salary caps, squad depth and financial sustainability.R360, disruption and why rugby cannot afford to stand still.Player Welfare, Superstars & Growth:Why growing the game cannot come at the expense of player health.The tension between protecting athletes and building global appeal.Whether rugby relies too heavily on its biggest names.A huge thank you to our amazing partners on the show: Gemini SportsWe empower the most confident sports organisations on Earth https://geminisports.ai/SlateThe complete content creation platform for social teams https://slateteams.com/Seat UniqueDiscover your next premium experience  https://wgl.io/s10it7

From the 4% rule to pulling money as you need it, there are a lot of ways to determine your retirement paycheck. What are the pros and cons of each one? Like this episode? Hit that Follow button and never miss an episode!

1.  Guest: Hampton Sides. In February 1776, Captain James Cook is enjoying a comfortable retirement at Greenwich Hospital. Dining with Lord Sandwich, First Lord of the Admiralty, Cook learns of a proposed third voyage to find the fabled Northwest Passage. Despite having retired, Cook is tempted by the challenge and dramatically accepts the command.

Melody describes her retirement with one word: peaceful.Not the kind she chased while working, the kind that finally arrived when she stopped.After 30 years in a high-pressure tech career, Melody retired at 55 with a clear trade-off in mind: less money, more time. She didn't walk away because she hated her work. She walked away because constantly operating in conflict (even healthy conflict) required her to be someone she wasn't, day after day. In this episode of Retirement Reality, Melody shares how she intentionally built a life that feels calm instead of compressed. She talks about choosing time over income, using spending guardrails instead of rigid rules, and why paying off her mortgage mattered more to her peace of mind than chasing higher returns. She also explains how that decision unlocked affordable healthcare before 65 — something many people assume is impossible.But Melody's story runs deeper than early retirement math. She opens up about surviving financial abuse, rebuilding her life from zero in her late 30s, and how budgeting, self-education, and emotional healing worked together to create stability. Today, retirement looks like volunteering at a cat rescue, gardening, exploring art and history, and creating handmade objects simply to give them away.Melody's journey is a reminder that retirement isn't about perfection or privilege. It's about alignment between your money, your values, and the life you want to live next.As you listen, consider this:If you could trade some income for more peace, would you?Interested in a custom strategy to retire early? → https://www.rootfinancial.com/start-here/Get access to the same software I use in my videos and join the Early Retirement Academy here  → https://ari-taublieb.mykajabi.com/early-retirement-academy-Melody is not a client of Root Financial Partners, LLC and received no compensation for participating in this video. His statements reflect his own opinions and experience and are not indicative of any specific client's experience and are not a guarantee of results. No cash or non-cash compensation was provided, and no material conflicts are known.Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educCreate Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss why retirement stress, retirement anxiety, and fear around market volatility are rarely about the markets themselves—and almost always about unanswered questions. After years of uncertainty driven by inflation, interest rate changes, and economic shocks, many people approaching retirement realize that stress doesn't come from short-term market swings, but from not having a clear retirement financial plan. Without a defined withdrawal strategy, retirement income planning, tax planning in retirement, and estate planning basics, even strong market years can still feel overwhelming.Listen in to learn about how holistic financial planning creates true peace of mind in retirement. Radon and Murs break down how retirement risk management, income planning in retirement, Social Security planning, Medicare planning, long-term care planning, and tax planning strategies work together to reduce anxiety. By focusing on structure—rather than speculation—you can build retirement confidence, follow a clear retirement checklist, and move toward retiring comfortably with a plan designed to secure your retirement.In this episode, find out:Why retirement anxiety is driven more by unanswered questions than market volatilityHow the Three Bucket Strategy supports income planning, withdrawal strategy, and retirement confidenceThe five critical areas of retirement planning, including tax planning, Medicare planning, and estate planningHow holistic financial planning helps manage required minimum distributions and early retirement strategyWhy having a written retirement financial plan reduces stress and supports peace of mind in retirementTweetable Quotes:“A bad market day won't ruin your retirement, and a great market day won't make it successful—it's the plan that matters.” — Radon Stancil“Retirement stress fades when every part of your retirement financial plan is being monitored, implemented, and nurtured.” — Murs TariqResources: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.

Saving for retirement is only half the job. In this episode, we discuss the five financial loose ends that can quietly drain retirement income and why addressing them early creates flexibility and peace of mind. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

What does research say about retirement withdrawal strategies that are specifically designed to leave more money behind? We'll walk through what the research says works best, the trade-offs involved, and why the "right" strategy depends on what you're really trying to optimize in retirement.  Quote: "Smaller gifts sooner can be more impactful than larger gifts later." - Benjamin Brandt We've also got a great listener question from Tom about the three big company retirement plans — 401(k)s, 403(b)s, and 457s. On the surface they all look the same, but the rules under the hood are very different, and those differences can have a huge impact on taxes, flexibility, and when you can actually use your money. We'll break down what "qualified" really means, which accounts may be easier to tap earlier, and how to think about simplifying all of this as you head into retirement.  And we wrap up the episode with what our happiest retired listeners are up to in our "Retire to Something" segment. Article: The Best Retirement Strategies for Leaving Money Behind by Amy C. Arnott, CFA in Morningstar   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  

Hello again! After an unexpected hiatus, we're back at full strength! One of the elephants in the room in our culture is the idea of retirement. Not just any retirement, though, but a constant pursuit of an earlier-the-better retirement. 60 is better than 65. 55 is better than 60. 50 is better than 55. All the while, in our efforts to get there, we're unintentionally sabotaging our lives. The alternative? Create a life we don't want to retire from. A life so awesome that we can't imagine not doing it anymore. Let's talk about it.Podcast website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.travisshelton.com/podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Daily Blog: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://travisshelton.com/blog⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to the Daily Blog: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://eepurl.com/gB07Ef Podcast Facebook Group: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/groups/370457478238932⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Travis's Instagram:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/travis_shelton_⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Travis's Facebook: https://www.facebook.com/travissheltonco/YouTube:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/channel/UCasnj17-bOl_CZ0Cb9czmyQTikTok: https://www.tiktok.com/@meaning_over_money

Will you retire with purpose? Don’t leave it to chance. Design Your New Life after you leave full-time work. Learn more about our next small group coaching program starting in April here – and sign up here. __________________________ What if the word retirement is setting us up for the wrong life? After years in senior leadership roles, Cesar Aguirre discovered something most of us miss about retirement: the word itself matters more than we think. In English, we “retire” – we withdraw. In Portuguese, you become “aposentado” – left aside or left behind. But in Spanish-speaking cultures, retirement is called “jubilación” – which comes from the word for joy. That distinction changed everything for Cesar. Because when he stepped away from his career, it wasn’t the loss of work that shocked him – it was the jarring shock of losing an identity. He realized retirement isn’t just a life transition, it’s an identity transition, offering an opportunity to redefine who you want to become, and retire with purpose. Cesar joins us to share the framework he developed through his own transition – a ten-chapter roadmap for moving from “what I’m leaving” to “what I’m moving toward.” He’ll reveal why planning goes far beyond your finances, how to measure success when you’re no longer producing output, and the key warning signs that show up early when retirement first starts going wrong. This is a conversation about why approaching retirement with more intention might just create the most fulfilling chapters of your life. How will you retire with purpose? Cesar Aguirre joins us from Florida. __________________________ Bio César Aguirre is a seasoned HR executive with over 40 years of experience in global talent development. Now in active retirement, he embodies reinvention with passion as mentor, consultant, and author. In his book, Retirement with Purpose: The 10 Rs of Retirement, he shares his vibrant energy and insights to help readers rediscover purpose and embrace joyful living in their post-career lives. He currently resides in a lively 55+ community in Central Florida with his wife, inspiring others to design their authentic journeys for the second act of their lives. _______________________ For More on Cesar Aguirre Retirement with Purpose: The 10 Rs of Retirement _______________________ Podcast Conversations You May Like How to Prepare Mentally for Life After Work – Joseph Maugeri Re-Visioning Retirement – Susan Reid, PhD How to Retire – Christine Benz _________________________ About The Retirement Wisdom Podcast There are many podcasts on retirement, often hosted by financial advisors with their own financial motives, that cover the money side of the street. This podcast is different. You'll get smarter about the investment decisions you'll make about the most important asset you'll have in retirement: your time. About Retirement Wisdom I help people who are retiring, but aren't quite done yet, discover what's next and build their custom version of their next life. A meaningful retirement doesn't just happen by accident. Schedule a call today to discuss how the Designing Your Life process created by Bill Burnett & Dave Evans can help you make your life in retirement a great one — on your own terms. About Your Podcast Host Joe Casey is an executive coach who helps people design their next life after their primary career and create their version of The Multipurpose Retirement.™ He created his own next chapter after a 26-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. Joe has earned Master's degrees from the University of Southern California in Gerontology (at age 60), the University of Pennsylvania, and Middlesex University (UK), a BA in Psychology from the University of Massachusetts at Amherst, and his coaching certification from Columbia University. In addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, ranked in the top 1% globally in popularity by Listen Notes, with over 1.6 million downloads. Business Insider recognized Joe as one of 23 innovative coaches who are making a difference. He's the author of Win the Retirement Game: How to Outsmart the 9 Forces Trying to Steal Your Joy. _________________________ Wise Quotes On The Power of Language “Retirement becomes a celebration, not a retreat. I think the languages shape mindset. And mindsets shape behavior. So when retirement is framed as a joy, planning shifts from survival to flourishing become more natural.” On Measuring Success in Retirement “A good day is no longer about output, it’s no longer about how much you produce. It’s about action that is intended, an action that aligns with a master plan.” On What He’d Do Differently “I wish I had thought about it and prepared for my post-work identity a little sooner and more deliberately. In my job in HR, I helped many others plan careers, but I underestimated how much my own self-worth was tied to that job in that title. I think I did it humbly. I can say that I did a solid job planning financially, but probably not as good in preparing emotionally for the change. For a brief period of time, a few months, I underestimated that the identity shift that was occurring and the loss of a daily structure that I was so accustomed to.” On What He’s Gained in Retirement “Presence, the ability to not just having the time, but having the mindset of real presence, presence with my wife, which I neglected for a few years while I was traveling or working, presence with my kids, now with my grandkids, the rest of my friends, and new friends. I also gained a space and time for mastery, my hobbies. I enjoy cooking, well, time to do more and do a little better, exercising, riding the bike three or four times a week, playing pickleball. Retiring has given me time to go more in depth on my preferences instead of just speed, because in my working years, I was always rushing. Even when I was at home, I needed to accomplish, I needed to do things. I needed not to be idle. And retirement has now given me presence and bandwidth.” On Warning Signs “I think there are three main things that one needs to start paying attention to. Isolation. If you don’t have that network, social network, family network, and you become isolated. A loss of structure. Doing nothing without a structure or living in the past tense. When people stop connecting with others, when they drift through the days without an intentional plan, or when they only talk about what they used to be, that should be a warning, – a huge yellow flag for oneself and for loved ones that are looking after them.”

In this episode, Ryan Burklo discusses the complexities of taxes in retirement, challenging the common myth that individuals will be in a lower tax bracket after they retire. He emphasizes the importance of planning for tax implications on income streams and the necessity of tax diversification to maximize after-tax income. Through examples, he illustrates how different investment strategies can impact tax liabilities and overall financial health in retirement. Check out our website:  https://www.builtforlifenotjustwealth.com/ Find us on YouTube: https://www.youtube.com/@builtforlifenotjustwealth/ Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now Check out our Instagram: https://www.instagram.com/ryanburklofinance?igsh=ZTJzN3Jnajd5M2Mw Ryan Burklo's LinkedIn profile: https://www.linkedin.com/in/ryanburklo/ Alex Collin's LinkedIn profile: https://www.linkedin.com/in/alexandercollins/ For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Related episode Ryan mentioned in podcast: https://www.builtforlifenotjustwealth.com/episode-252-how-do-taxes-work/   #BuiltForLifeNotJustWealth #taxes #retirement #taxbrackets #incomestreams #taxdiversification #RothIRA #financialplanning #wealthmanagement #retirementplanning #after-taxincome Takeaways The myth of lower tax brackets in retirement is often misleading. Planning for tax implications is crucial for retirement income. Most people focus on accumulation rather than distribution planning. The IRS does not refund poor financial planning decisions. Tax diversification can significantly affect retirement income. Roth accounts can provide tax-free income in retirement. Understanding tax brackets is essential for effective retirement planning. Effective tax rates can be lowered through strategic withdrawals. It's important to consider both accumulation and tax strategies. Maximizing after-tax income should be a priority in retirement planning.   Chapters 00:00 Understanding Taxes in Retirement 02:20 Analyzing Income and Tax Brackets 05:55 Tax Allocation and Diversification Strategies 08:18 Maximizing After-Tax Income in Retirement

Most retirement plans assume the dollar is stable because it has been stable for most of our lifetimes. But stability is a period, not a guarantee. And when the measuring stick changes, the measurement changes. This episode is not about collapse or fear. It is about whether your retirement plan still works if purchasing power behaves differently over the next 10, 20, or 30 years. Many families feel the tension right now. Markets can look calm while real life still feels expensive, especially in retiree-heavy categories like insurance, healthcare, and travel.We break down what the dollar is and what it is not. The U.S. dollar remains the world's primary reserve currency, and change typically happens at the margins, not through sudden abandonment. The dollar does not need to fail for planning assumptions to change. Then we talk about the shift most plans ignore. Since 1971, we have lived in a policy-driven purchasing power environment. That matters because retirees feel purchasing power risk first. Retirement turns income into withdrawals, withdrawals are fixed, and expenses are variable. You do not retire into an index. You retire into real life. We walk through the three risks that matter most for retired and near-retired families: purchasing power risk, sequence of returns risk, and policy risk. We also reframe the gold question and explain why forecasting the dollar is the wrong game. You do not need the right prediction. You need the right structure.Finally, we outline the AMG planning response: separating lifestyle capital from legacy capital, layering income sources across tax treatments, stress-testing withdrawals across inflation regimes, using real assets intentionally, and coordinating investments, taxes, and distribution strategy.The goal is not to be alarmed. The goal is to be prepared, so you can fund life with stability, regardless of what the next economic regime looks like.

Welcome to The Retirement Quick Tips Podcast, your daily guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week, we're exploring the differences between Gen X & Boomers when it comes to planning for and living in retirement.  For my entire career as a financial advisor, I've been focused on working with boomers, as the great wave of retiring baby boomers had just started 18 years ago when I became an advisor.  But fast forward to today, and the oldest boomers, born in 1946 turn 80 this year, and the youngest of boomers, born in 1964, are now 62 (the most common retirement age for someone in the US) and eligible for social security. The vast majority of baby boomers are retired, and the next wave of retirees - Gen Xers are in the homestretch to retirement.  Born between 1965 & 1980, Gen Xers are now  in the homestretch to retirement.  So this week, I'll talk about how these generational differences shaped how & why retirement will look differently for them

Retirement planning isn't just about crunching numbers and sticking to a tight budget—it's about envisioning what's truly possible for your future. These hypothetical scenarios, often overlooked by retirees, can do more than just safeguard your financial well-being; they can enhance your happiness and help you discover opportunities you never thought attainable. You will want to hear this episode if you are interested in...  05:16 Encouraging Big Thinking in Retirement 10:15 Planning for Early or Delayed Retirement 11:50 Philanthropy and Charitable Giving in Retirement 13:37 Identifying Risks in Retirement 15:05 Evaluating Large Purchases and Lifestyle Choices 16:04 Roth IRA Conversions and Pension Risks 19:59 Inflation and Cost-of-Living Concerns 26:54 Listener questions   The Real Magic Behind "What-If" Many clients believe their retirement dreams are out of reach. People often compare themselves to others with larger pensions or savings, assuming they must settle for less. Yet, the crucial question isn't just "Do I have enough?" but "What would I do if I had more? What would bring me joy or meaning?" Posing these open-ended scenarios begins to reveal the true potential hidden in one's retirement plan. Seeing is believing. The process of actually mapping out these possibilities with a professional often surprises clients, making them realize some dreams are within reach. This mindset shift can allow people to start dreaming bigger.   Longevity, Health, and Unexpected Events Retirement's uncertainties should never be ignored. It's important to stress-test a plan for premature death, forced early retirement, market downturns, or rising taxes. External factors—like Social Security reductions, inflation, or pension cuts—can also threaten retirement security. Running "what-if" simulations for these scenarios helps retirees build resilience and confidence. For example, what if Social Security benefits drop by 25% or unexpected inflation spikes? Understanding the impact empowers retirees to prepare rather than panic.   Value-Driven Decisions Retirement is more than financial survival; it's about purpose and fulfillment. Many clients we work with aspire to "be a blessing" through charitable giving, family support, or simply living generously. Rather than focusing solely on accumulating wealth, retirees can explore scenarios to increase their positive impact in the world. "What if we wanted to be outrageously generous?" That question can reshape not just a financial plan but a legacy. Ultimately, retirement planning isn't about settling—it's about exploring, asking, and dreaming. Anyone can achieve a successful and meaningful retirement by strategically considering "what-if" scenarios and seeking guidance from professionals. By embracing possibility, you can pave the way for a retirement filled not only with security but with joy, purpose, and big dreams. Take control of your retirement vision today—because the magic happens when you ask "what if?"   Resources & People Mentioned   3 Steps to Retirement Planning   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  

Wall Street is sounding the alarm as economic instability threatens retirement savings—and crypto investors are paying attention. From inflation fears to stock market volatility, this breaking crypto news could push more capital into bitcoin and top altcoins as alternative hedges. Is your retirement portfolio ready for the next financial shift? Listen now for the latest crypto market analysis and what it means for you!

“I can't retire until Medicare.”It sounds responsible. It sounds practical. It also keeps a lot of people working years longer than they need to. The truth is not that health insurance doesn't matter. It absolutely does. The mistake is believing your employer is the only safe way to get it. That belief quietly trades some of your best years for a sense of certainty that may not actually be required.In this episode, James walks through a real case study of a couple in their late fifties who had the assets, the plan, and the desire to retire, but felt trapped by healthcare fear. When health insurance is treated like a gatekeeper, it stops retirement cold. When it is treated like an expense, something shifts.Even after accounting for significant premiums before age 65, the plan still worked. The real cost was never the insurance. It was the six to seven years of freedom they were prepared to give up during their healthiest and most energetic phase of life.Medicare is not permission to retire. A coordinated plan is. When healthcare is integrated into your strategy, retirement stops being about age and starts being about choice.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

On this episode of Beyond Retirement, host Jacquie Doucette welcomes Soozie and Tony Cisneros, a couple whose retirement dreams took an unexpected turn. Just as they prepared to embark on new adventures together, both received life-changing cancer diagnoses—on the very same day. In this candid conversation, Soozie and Tony share the shock and uncertainty of facing treatment, the ways their family and community rallied around them, and the powerful role faith played in their journey. From setbacks to milestones, and finally reclaiming their freedom, their story is one of resilience, hope, and finding new meaning in life after the unimaginable. Whether you're approaching retirement or already there, this episode offers inspiration and wisdom on facing the unexpected and supporting one another along the way.Key Topics Covered:· Retirement Expectations vs Realityo Planning a life of travel and freedomo Receiving simultaneous cancer diagnoses· Navigating Treatment as a Coupleo Different journeys: radiation vs non-surgical careo Emotional and logistical challenges of supporting each other· The Role of Family and Faitho Support from kids, including shaving their headso How spiritual grounding helped them persevere· Redefining Retirement After Illnesso Embracing each day with intentiono Reframing 'lost time' as a second chance· Lessons in Resilienceo What they've learned about strength and partnershipo Advice for others facing unexpected setbacks