Podcasts about retirement income

Marty breaks down the five pillars of retirement that every retiree should have in their plan. They are the income, tax. Investment, healthcare, and estate plan pillars. He also reviews some tax changes that are coming in 2026 and discusses the transition from accumulation to decumulation in retirement. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Retiring at 55 with $2.6 Million — How Much Can You REALLY Spend**Schedule your free virtual consultation

We're living through one of the most dangerous eras in history — not because of war or politics alone, but because of the extraordinary convergence of economic, financial, and geopolitical risks. In this episode, we break down: How record global debt, AI-driven speculation, and geopolitical instability are colliding. Why the current market optimism masks systemic fragility. What investors can learn from past cycles — from 1929 to 2008 — to prepare for the next regime shift. The role of central banks, fiscal excess, and policy distortions that have created a fragile illusion of stability. 0:18 - EOM Approaches, Rare Earth, & the China Deal 4:28 - Markets Set New Highs 8:57 - Lance's Grandkid Solution 10:28 - The Dumbest Stock Market in History 12:53 - Why Are Markets trading at 200% Above GDP? 16:26 - Unforeseen Consequences of Passive Investing 21:54 - More ETF's than Mutual Funds 26:47 - Passive Indexing Underwrites the Markets 31:13 - The Causality of Liquidity 34:21 - Bubbles Don't Form, the Evolve 37:25 - Be Aware of the Risks You're Taking 45:14 - Cash Levels and Margin Debt

We're living through one of the most dangerous eras in history — not because of war or politics alone, but because of the extraordinary convergence of economic, financial, and geopolitical risks. In this episode, we break down: How record global debt, AI-driven speculation, and geopolitical instability are colliding. Why the current market optimism masks systemic fragility. What investors can learn from past cycles — from 1929 to 2008 — to prepare for the next regime shift. The role of central banks, fiscal excess, and policy distortions that have created a fragile illusion of stability. 0:18 - EOM Approaches, Rare Earth, & the China Deal 4:28 - Markets Set New Highs 8:57 - Lance's Grandkid Solution 10:28 - The Dumbest Stock Market in History 12:53 - Why Are Markets trading at 200% Above GDP? 16:26 - Unforeseen Consequences of Passive Investing 21:54 - More ETF's than Mutual Funds 26:47 - Passive Indexing Underwrites the Markets 31:13 - The Causality of Liquidity 34:21 - Bubbles Don't Form, the Evolve 37:25 - Be Aware of the Risks You're Taking 45:14 - Cash Levels and Margin Debt

In this episode of Beer & Money, Ryan Burklo discusses the critical aspects of retirement planning, emphasizing the importance of understanding income risks and market volatility. He explores strategies for managing retirement funds, including the necessity of having a diversified approach with different buckets of money to ensure financial stability throughout retirement. The conversation also delves into the real risks of outliving one's money and presents alternative strategies to mitigate these risks, ultimately guiding listeners on how to effectively plan for their financial future. Check out our website:  beerandmoney.net Find us on YouTube: https://www.youtube.com/@beerandmoney Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now Check out our Instagram: https://www.instagram.com/ryanburklofinance?igsh=ZTJzN3Jnajd5M2Mw For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo #retirementplanning #incomerisks #financialstrategies #marketvolatility #retirementincome #financialplanning #investmentstrategies #retirementsavings #outlivingmoney #retirementstrategies   Takeaways Retirement planning should start early, even years before retirement. Understanding the risks associated with retirement income is crucial. Market volatility can significantly impact retirement savings. Having a diversified portfolio can help manage risks in retirement. It's important to consider taxes and fees in retirement planning. Creating a liquid fund can provide financial security during market downturns. Using Monte Carlo simulations can help assess the risk of outliving your money. A guaranteed income stream can alleviate financial stress in retirement. Legacy planning should be part of retirement strategies. Different buckets of money can provide flexibility and security in retirement. Chapters 00:00 The Reality of Retirement Planning 01:29 Understanding Retirement Income Risks 07:47 Strategies for Managing Market Volatility 08:14 Analyzing the Real Risks of Outliving Your Money 15:48 Alternative Strategies for Retirement Income 20:22 Key Takeaways for Effective Financial Planning

Is your financial future ready for the unexpected? This episode kicks off with real-life stories of holiday travel and family hustle, then Mike Douglas dives into Warren Buffett’s market red flags and the risks facing today’s investors. Discover how to build a retirement income strategy that weathers market storms, tackles taxes, and keeps your lifestyle secure—no matter what the headlines say. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

Your greatest retirement risk isn't the market; it's living longer than you expect. Richard Rosso shares the Art of Retirement Income—how to enjoy your savings early in retirement while protecting your future lifestyle.

Your greatest retirement risk isn't the market; it's living longer than you expect. Richard Rosso shares the Art of Retirement Income—how to enjoy your savings early in retirement while protecting your future lifestyle.

Marty discusses the importance of estate planning, legacy beyond wealth, and the complexities of managing inheritance. He emphasizes the need for ethical wills, family communication, and strategies for charitable giving. The discussion also covers retirement income planning, the bucket strategy, tax implications, and social security strategies. Additionally, Marty addresses the impact of life events on retirement, long-term care considerations, and the emotional and financial aspects of losing a spouse. Overall, the conversation provides valuable insights into comprehensive financial planning for retirement. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Kevin Brucher discusses the essential elements of retirement planning, focusing on the five pillars that ensure a successful and stress-free retirement. He emphasizes the importance of understanding social security timing, the implications of national debt on retirement income, and the bucket strategy for managing retirement funds. Additionally, he explores the role of annuities in providing guaranteed income and shares insights on current market trends and investment strategies. Call 800-975-6717. Visit Silver Leaf Financial to learn more.See omnystudio.com/listener for privacy information.

In this episode, we have the pleasure of speaking with David Blanchett and Daniel Gutman from Prudential Investment Management and Prudential Retirement Services, respectively. We discuss recent innovations within the insurance product space to provide an "insurance overlay" on top of investment managed programs, affording retirees deferred lifetime income with the flexibility in managing their existing investment programs. Our guests also share recent insights into post-retirement spending patterns based on a May 2025 research paper, "Retirees: Doing Better with Less," which can be found at https://www.davidmblanchett.com/research.

Retire at 65: How Much Money Do You REALLY Need?

The holiday season is coming fast—and so are new rules that could impact your retirement savings. From pricey Christmas trees to major changes in 401k catch-up contributions, Frank and Frankie Guida break down what you need to know about Roth requirements, tax planning, and strategies to keep more of your hard-earned money. Learn how smart moves today can help flatten your tax curve and make retirement more rewarding. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

Marty discusses various aspects of retirement planning, including the importance of understanding one's money personality. He delves into the dynamics of family relationships during retirement, the significance of frugality versus financial wisdom, and the necessity of having a flexible financial plan. The discussion also covers tax implications for married couples, navigating retirement income, and the emotional ties versus financial flexibility when considering home equity. The episode concludes with listener questions and answers, providing practical insights into retirement planning. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

"I'm 65 and plan to work a few more years. I've got a good amount saved, but I've never actually thought through how I'll turn that into income. Where do I even start?" We're answering YOUR questions on this week's Get Ready For The Future Show! I've always contributed to a traditional 401(k), but my employer just added a Roth option. Should I switch, and if so, how much? We're in our 50s and want to help our grandchild with college in the future. What's the best way to do that without messing up our own retirement? We created a will when our kids were little, but now they're in their 30s and we haven't updated anything. We're both in our mid-60s. How often should estate plans be reviewed, and what needs to change now? And if you've got a question you want answered on the show, call or text 501.381.5228! Or email your question to show@getreadyforthefuture.com! Originally aired10/15/2025

Kevin Brucher discusses the intricacies of retirement income planning, emphasizing the importance of understanding income streams, the impact of inflation, and the role of annuities. He highlights the need for a comprehensive financial strategy to ensure long-term financial security, especially in the face of rising costs and economic uncertainty. The discussion also touches on government debt and its implications for future generations, urging listeners to be proactive in their financial planning. Call 800-975-6717. Visit Silver Leaf Financial to learn more.See omnystudio.com/listener for privacy information.

In this episode of Your Retirement Planning Simplified, Joe breaks down the five and a half guaranteed retirement income sources every Canadian should understand—from CPP and OAS to pensions and annuities. Learn how to build a dependable retirement income floor so you can retire with confidence and weather any market conditions.     Key Takeaways from this Episode Defined Benefit Pensions – A disappearing but powerful guaranteed income source, backed by employers or plan sponsors. Know your plan's funding health and inflation protection. Canada Pension Plan (CPP) – One of the most reliable lifetime income streams. Delaying CPP can act as “longevity insurance,” boosting payments by 8.4% per year after age 65. Old Age Security (OAS) – Government-funded and guaranteed, but subject to clawbacks for higher-income retirees — making tax-efficient withdrawal strategies critical. Annuities – Think of these as “do-it-yourself pensions.” You exchange a lump sum for guaranteed lifetime income, ideal for those who value simplicity and peace of mind. Guaranteed Minimum Withdrawal Benefits (GMWBs) – Hybrid investment-insurance products that can provide guaranteed income while keeping you invested, though often with complexity and higher fees. Bonus (“Half”) Sources: GIS for lower-income retirees and rental income, which may feel stable, but lacks a true guarantee.     Ready to take the next step?  Identify your retirement income style with the RISA questionnaire at  https://account.myrisaprofile.com/invitation-link/88QG1TMQ12     Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement. Learn more at https://matthewsandassociates.ca/our-process/  Don't forget to like, comment, and subscribe for more simplified retirement planning insights! ABOUT JOE  CURRY Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, he is committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future.  You can reach out to Joe through: LinkedIn: https://www.linkedin.com/in/curryjoe Website: https://www.retirementplanningsimplified.ca/   https://www.facebook.com/RetirementPlanningSimplified/                https://matthewsandassociates.ca/      ABOUT RETIREMENT PLANNING SIMPLIFIED Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/ Instagram: https://www.instagram.com/retirement_planning_simplified Podcast/Blog: https://www.retirementplanningsimplified.ca/blog Youtube: https://www.youtube.com/@retirementplanningsimplified         DISCLAIMER Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.  

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3318: Darrow Kirkpatrick unpacks the real distinction in retirement income strategies, not between risk and safety, but between who manages the risk, you or an insurance company. He argues for a flexible, hybrid approach that evolves over time, matching both your temperament and life circumstances, rather than locking into an all-or-nothing decision early on. Read along with the original article(s) here: https://www.caniretireyet.com/are-you-feeling-lucky-the-two-schools-of-retirement-income/ Quotes to ponder: “‘Probability-based' and ‘safety-first' label the extremes in retirement planning.” “The real distinction is whether (market and longevity) risk is transferred or retained, and if retained how those risks are managed or avoided.” “Once you buy an annuity, you own that decision for life.” Learn more about your ad choices. Visit megaphone.fm/adchoices

How Can I Retire at 60 with $200,000 Saved For Retirement?!?**Schedule your free virtual consultation

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3318: Darrow Kirkpatrick unpacks the real distinction in retirement income strategies, not between risk and safety, but between who manages the risk, you or an insurance company. He argues for a flexible, hybrid approach that evolves over time, matching both your temperament and life circumstances, rather than locking into an all-or-nothing decision early on. Read along with the original article(s) here: https://www.caniretireyet.com/are-you-feeling-lucky-the-two-schools-of-retirement-income/ Quotes to ponder: “‘Probability-based' and ‘safety-first' label the extremes in retirement planning.” “The real distinction is whether (market and longevity) risk is transferred or retained, and if retained how those risks are managed or avoided.” “Once you buy an annuity, you own that decision for life.” Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3318: Darrow Kirkpatrick unpacks the real distinction in retirement income strategies, not between risk and safety, but between who manages the risk, you or an insurance company. He argues for a flexible, hybrid approach that evolves over time, matching both your temperament and life circumstances, rather than locking into an all-or-nothing decision early on. Read along with the original article(s) here: https://www.caniretireyet.com/are-you-feeling-lucky-the-two-schools-of-retirement-income/ Quotes to ponder: “‘Probability-based' and ‘safety-first' label the extremes in retirement planning.” “The real distinction is whether (market and longevity) risk is transferred or retained, and if retained how those risks are managed or avoided.” “Once you buy an annuity, you own that decision for life.” Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3317: Darrow Kirkpatrick explores the two dominant schools of retirement income planning: probability-based strategies, which rely on investment growth and withdrawal methods, and safety-first approaches, which prioritize guaranteed income through annuities or bonds. He highlights the strengths and pitfalls of each, noting that the most practical solution for many retirees is often a thoughtful combination of both philosophies. Read along with the original article(s) here: https://www.caniretireyet.com/are-you-feeling-lucky-the-two-schools-of-retirement-income/ Quotes to ponder: "In the safety-first philosophy, you, or a financial planner, match guaranteed income to essential expenses." "A failure probability in the neighborhood of 10% is often considered acceptable. That's one chance in ten." "Failure is defined as running out of money before running out of life." Episode references: Michael Kitces: https://www.kitces.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

PFR Nation, As you know, we are well underway with our free giveawaysfrom a couple of weeks ago. And as I mentioned last week, we received a lot of great comments in that YouTube thread! So last week, I touched on three of the questions in a Q&A format.  Today, I'll address three more! Here they are:1.       “So how do you actually build a retirement income plan that both people can sleep at night with when one side wants market exposure and the other wants safety?”2.       “I've set aside (spreadsheet) my calculated number to self-fund my long-term care, but the variables and assumptions concern me.”3.       “How do we pay for health care before Medicare?”You're not going to want to miss this one, and hope you find it useful!  Thanks for tuning in. -Kevin  Resources Mentioned in this Episode:Genworthand Carescout Cost of CareThe ACA Premium Tax Credits AreChanging in 2026! (PFR Video)Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ visit my website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with me here:​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join My Company Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠This is for general education purposes only and should not be considered as tax, legal or investment advice.

What if your retirement plan is missing the one strategy that could keep thousands in your pocket? Damon Roberts and Matt Deaton break down the realities of taxes in retirement, the importance of tax diversification, and why timing matters for Roth conversions. Hear real stories, practical advice, and learn how small decisions can make a big difference for your financial future. 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.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3317: Darrow Kirkpatrick explores the two dominant schools of retirement income planning: probability-based strategies, which rely on investment growth and withdrawal methods, and safety-first approaches, which prioritize guaranteed income through annuities or bonds. He highlights the strengths and pitfalls of each, noting that the most practical solution for many retirees is often a thoughtful combination of both philosophies. Read along with the original article(s) here: https://www.caniretireyet.com/are-you-feeling-lucky-the-two-schools-of-retirement-income/ Quotes to ponder: "In the safety-first philosophy, you, or a financial planner, match guaranteed income to essential expenses." "A failure probability in the neighborhood of 10% is often considered acceptable. That's one chance in ten." "Failure is defined as running out of money before running out of life." Episode references: Michael Kitces: https://www.kitces.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Can you afford to be wrong 40% of the time with your retirement savings? Frank and Frankie Guida reveal why guessing games and gut feelings don’t work for your financial future. Learn how risk and return analysis, portfolio design, and diversification can help you avoid costly mistakes. Hear real stories of retirees who discovered smarter ways to maximize income and minimize risk—without taking unnecessary chances. Find out how a personalized approach can make all the difference as you plan for retirement. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today! Is your retirement plan more complicated than it needs to be?In this episode of How to Retire Radio, Nolan Baker and the team from America's Retirement Headquarters unpack the tangled web of retirement planning and show how simplicity can be a powerful strategy. From consolidating accounts to automating your financial life, they explore practical ways to reduce friction and increase clarity. The conversation also dives into alternative investments, what to consider, what to question, and why long-term tax planning is often overlooked but essential. Whether you're just starting to think about retirement or refining your existing plan, this episode offers grounded insights to help you make smarter, more confident decisions. About America's Retirement Headquarters: We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind. Visit Us: 1700 Woodlands Drive, Maumee, OH 43537 Call Us: 419-794-3030 Learn More: ARHQ.com See omnystudio.com/listener for privacy information.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3317: Darrow Kirkpatrick explores the two dominant schools of retirement income planning: probability-based strategies, which rely on investment growth and withdrawal methods, and safety-first approaches, which prioritize guaranteed income through annuities or bonds. He highlights the strengths and pitfalls of each, noting that the most practical solution for many retirees is often a thoughtful combination of both philosophies. Read along with the original article(s) here: https://www.caniretireyet.com/are-you-feeling-lucky-the-two-schools-of-retirement-income/ Quotes to ponder: "In the safety-first philosophy, you, or a financial planner, match guaranteed income to essential expenses." "A failure probability in the neighborhood of 10% is often considered acceptable. That's one chance in ten." "Failure is defined as running out of money before running out of life." Episode references: Michael Kitces: https://www.kitces.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Can I Retire Comfortably at 61 with Just $375K**Schedule your free virtual consultation

Most retirees believe the key to a successful income strategy lies in the products — specifically, the right pension wrapper, withdrawal rate, or investment mix. But here's the truth: it's not about products at all. It's about permission. In this episode, I challenge the obsession with spreadsheets and simulations, revealing why confidence to spend doesn't come from perfect plans — it comes from understanding, repetition, and emotional safety. You'll discover the Permission Pyramid, the secret behind guardrails-based freedom, and why your financial plan should feel like permission to live, not a restriction on joy. What You'll Learn Why most retirees don't need better products — they need better permission The myth that spreadsheets create confidence The three levels of the Permission Pyramid: Numbers Clarity, Emotional Confidence, Behavioural Permission How guardrails create freedom (not restriction) in your income strategy The real role of a retirement plan — to give you permission to live well Three key questions to help you feel confident spending your income Challenge of the Week

What if half your windfall vanished before you could spend it? This episode tackles the realities of taxes in retirement, the power of Roth IRAs, and how simple planning can save thousands over a lifetime. JoePat Roop shares stories—including NFL quarterback RG3’s tax shock—and breaks down strategies for avoiding costly mistakes, understanding required minimum distributions, and making smart moves before year-end. For more information or to schedule a consultation call 704-946-7000 or visit BelmontUSA.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Mark Falter, Retirement Income Hour | 10-3-25See omnystudio.com/listener for privacy information.

Retirement confidence is under pressure. While younger generations are entering the workforce with optimism, the latest Read on Retirement report reveals troubling gaps between savers, plan sponsors, and retirees. Only 38% of employers believe their employees are on track, and confidence among retirees has dropped to historic lows.In this episode of The Bid, host Oscar Pulido speaks with Jamie Magyera, Head of BlackRock's U.S. Wealth Advisory and Retirement Business, about the findings from a decade of retirement data. Together, they explore what's driving the confidence gap and the bold actions needed to close it.Jamie highlights three calls to action for the retirement industry: expand access to professional management, deliver guaranteed income solutions, and broaden portfolios to include private markets. She also underscores the need for education and re-enrollment so savers fully benefit from these innovations. With retirement confidence at a crossroads, this episode offers both a reality check and a roadmap for plan sponsors, policymakers, and individuals alike.Sources: BlackRock's Read on Retirement Survey, September 2025Key insights include:· Why retirement savers' confidence often outpaces employers' assessment, and what this paradox reveals.· How target date funds and auto-enrollment are making retirement saving easier and more effective.· Why guaranteed income solutions are increasingly vital to ensure retirees don't outlive their savings.· The growing importance of private markets in delivering long-term returns and diversification alongside public markets.· Differences across generations and genders in retirement confidence — and how advice and professional management can help bridge gaps.· How market volatility, student debt, and competing financial priorities continue to challenge long-term savers.Timestamps:00:00 Retirement Confidence at a Crossroads01:59 Key Findings and Confidence Gaps in the latest Read on Retirement Report04:40 Calls to Action for Retirement Preparedness08:39 Generational Differences in Retirement Planning10:35 Gender Gaps in Retirement Confidence12:12 Challenges and Future of Retirement Planning16:50 Personal Reflections and Advice18:36 Conclusion and Final ThoughtsCheck out episode 225 on retirement planning where we discuss what new legislation could mean for your retirement account: https://open.spotify.com/episode/4mH8LyNQFsYSV0bxEH1NGU?si=ed429467800b4617Check out this playlist on investing for retirement here: https://open.spotify.com/playlist/08Fx1iZaBwLclqpswIbjUq

Join us for a special episode of Retireholics this week with expert guest Financial Advisor Jim Sampson. A breakdown/analysis of Freddy B's 'Ten Products and Services with the Greatest Impact on the 401(k) Industry' : Crypto, Private Equity, Custom TDFs, Held Away Assets, Retirement Income, Capturing IRA Rollovers, PEPs, Managed Accounts, and of course Artificial Intelligence. Brian Graff and American Retirement Association ask the DOL to not favor PEPs. Todd Kading of LeafHouse has new Op-Ed on 401(k) Data tells the industry "You Don't Own The Alphabet!"

Think $500K Is Enough to Retire? Watch This!**Schedule your free virtual consultation

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today! Is your retirement plan built on shaky assumptions?In this episode, Nolan Baker, the President & CEO of ARHQ, and Scott Kerschner, the director of America's Medicare Associates,dive into the overlooked pitfalls of Roth IRA conversions, the evolving role of bonds in retirement portfolios, and the looming uncertainty around Social Security. The hosts unpack common missteps in Roth strategies that could trigger unexpected tax burdens, explore how bonds have historically anchored retirement income, and stress the urgency of preparing for potential Social Security cuts. With a focus on strategic foresight and collaboration with financial advisors, this conversation offers a grounded look at navigating retirement’s most pressing challenges. About America's Retirement Headquarters: We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind. Visit Us: 1700 Woodlands Drive, Maumee, OH 43537 Call Us: 419-794-3030 Learn More: ARHQ.com See omnystudio.com/listener for privacy information.

⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: http://coachcarson.com/rpm   

There's no first place or last place here. Life is not a competition. Often people use money and the acquisition of things to measure where they stand: who's got the nicer house, the fancier car, the vacation home, but the truth is, we can't predict how long we'll live or the state of our health as we age. The reality is, it doesn't matter where we start. It's how we finish that counts. And my guess is that being the richest man in the graveyard is not the goal. Today's guest, Patrick Negado is a Retirement Income and Wealth Transfer Expert. Author of The Canoe and The Current: Rethinking Retirement So You Can Stop Worrying and Start Living. www. canoeandcurrent.com www.sageintl.com or 800-254-5779

Offense + Defense: The 90-Second Plan to Retire Without Fear - Balance growth and guaranteed income to protect your lifestyle — and never worry about running out of money.   - AZ TRT S06 EP18 (280) 9-21-2025              What We Learned This Week ·         Offense + Defense is the Key to Wealth Financial freedom isn't just about hustling harder or chasing returns — it's about balancing offense (growth, risk-taking) with defense (guaranteed cash flow, risk management). ·         Appreciating Assets vs. Harvesting Assets Appreciating assets grow in value but only pay off when you sell. Harvesting assets pay you while you hold them (rent, dividends, interest). The wealthy own both — using harvesting assets to cover expenses and appreciating assets to build long-term wealth. ·         Income is More Reliable Than Growth Steven Bavaria's “Income Factory” mindset reminds us that income is fact, growth is hope. A steady stream of cash flow lets you survive downturns without selling assets and builds confidence in your plan. ·         The 90-Second Retirement Plan Works Cover 80% of retirement expenses with guaranteed sources (Social Security + annuities). Use the remaining 20% of your portfolio for growth, fun, and legacy-building — no more withdrawal stress. ·         The Goal is Infinite Income The ultimate destination is creating income streams that never run out — from real estate, businesses, life insurance, or even intellectual property. When income covers expenses for life, you gain true financial freedom.     Notes: Segment 1: Offense & Defense – The Key to Becoming Financially Unbreakable   ·         Quote: "In today's uncertain economy, the safest solution to be wealthy, be in total control and enjoy freedom for you and your family is to have multiple streams of income." – Robert Allen (2001) ·         Tie to today: 20+ years later, most people still rely on one paycheck or one retirement plan. Part 1: The Problem – The "One Thing" Retirement Plan ·         Traditional advice: just max your 401(k) and hope for the best. ·         The flaw: market volatility, layoffs, health events → can wreck your plan. ·         Analogy: one oxygen mask — if it fails, you're out of air. Part 2: Offense + Defense = True Financial Freedom ·         Offense: o    Growing income, scaling business, chasing higher returns. ·         Defense: o    Creating steady cash flow, reducing risk, having a safety net. ·         Too much offense = risk of wipeout. ·         Too much defense = stagnation. ·         The key: Balance both to become “financially unbreakable.”       Part 3: Appreciating vs. Harvesting Assets Introduce the concept that not all assets are created equal — some you wait to pay you, others pay you while you wait. ·         Appreciating Assets: o    Goal: Buy low, sell high. o    Examples: stocks, gold, art, land, most crypto. o    Risk: You only “win” if you sell at the right time. Gains (or losses) are just on paper until then. ·         Harvesting Assets: o    Produce income while you hold them. o    Examples: §  Rental real estate → rent + depreciation + tax benefits §  Bonds → interest §  Dividend stocks / REITs → quarterly payouts §  Staked crypto → interest §  Covered call writing → option premiums §  Cash-flowing businesses §  Indexed life insurance → credited interest + loan access o    Best assets do both: appreciate and produce cash flow (rental real estate, dividend stocks, etc.). Tie back to Offense-Defense: ·         Defense loves harvesting assets (cash flow covers bills). ·         Offense loves appreciating assets (bigger upside for growth). ·         Most wealthy individuals own both and balance them strategically. Part 4: Mental & Emotional Benefits of Defense ·         Cover 80%+ of expenses with steady income = less stress. ·         Frees mental bandwidth for creativity and risk-taking. ·         Allows you to play offense without fear. Part 5: The 3-Step Offense-Defense Plan 1.    Build the Defensive Base ("Sleep-at-Night Money") o    Rental properties, pensions, annuities, passive businesses, tax-free income plans. 2.    Grow with Offensive Moves o    Invest in higher-growth assets after defense is solid. o    Use tax strategies and leverage wisely. 3.    Think Like the Wealthy o    Control assets, income, and taxes. o    Hold appreciating and harvesting assets. o    Focus on cash flow first, price growth second. Segment 1 Takeaway: ·         Secure your financial oxygen mask first. ·         Diversify with appreciating and harvesting assets. ·         Build a system that covers your expenses so you can confidently grow your wealth. Segment 2: The Five Types of Income to the 90 Second Retirement Plan   ·         "Now that we've built your financial defense, let's talk about stacking multiple income streams so you never run out of money." Part 1: The 90-Second Retirement Plan ·         Reality Check: Markets, COVID, crypto crashes, trade wars → volatility isn't going away. ·         Biggest risk = relying only on investments for income. ·         Old school solution: Social Security + pension = guaranteed monthly paycheck. ·         Modern version: 1.    Social Security (≈40% of expenses) 2.    Guaranteed Income via annuities (≈40% of expenses) 3.    Remaining portfolio → growth, fun, and legacy. ·         Rule of Thumb: Allocate 15–20% of portfolio to lock in guaranteed lifetime income → cover 80% of your expenses. Part 2: The 5 Types of Income 1.    Business / Career Income – your day-to-day paycheck. 2.    Investment Income – dividends, rent, crypto interest. 3.    Retirement Income – 401(k), IRA distributions. 4.    Guaranteed Income – pensions, annuities, Social Security. 5.    Tax-Free Income – Roth IRA, life insurance cash value. Call to action: ·         List which ones you have today. ·         Create a strategy to build all five over time. Part 3: The Income Factory Mindset ·         Steven Bavaria's mantra: "Income is fact, growth is hope." ·         Focus on cash flow first — market value second. ·         A portfolio producing 10% yield with no price growth = same total return as 0% yield + 10% growth. ·         Income stream lets you survive downturns without selling assets. Part 4: Infinite Income – Scaling Your Streams ·         Real Estate: Buy, rent, refinance, repeat. Use leverage + 1031 exchanges. ·         Business: Build → pay off loans → profits keep coming. Use as collateral to expand. ·         Life Insurance: Tax-free policy loans → fund retirement and leave a legacy. ·         IP & Assets: Build once, get paid forever (Lucas/Star Wars, Bezos/Amazon, Microsoft/Windows, McDonald's system). Segment 2 Takeaway: ·         The goal isn't just retirement — it's infinite income. ·         Build multiple income streams that never run out. ·         Focus on income-producing assets first → appreciation becomes a bonus. ·         When your base income is covered, every market dip becomes an opportunity instead of a threat.     Investing Shows: https://brt-show.libsyn.com/category/Investing-Stocks-Bonds-Retirement       ‘Best Of' Topic: https://brt-show.libsyn.com/category/Best+of+BRT      Thanks for Listening. Please Subscribe to the AZ TRT Podcast.     AZ Tech Roundtable 2.0 with Matt Battaglia The show where Entrepreneurs, Top Executives, Founders, and Investors come to share insights about the future of business.  AZ TRT 2.0 looks at the new trends in business, & how classic industries are evolving.  Common Topics Discussed: Startups, Founders, Funds & Venture Capital, Business, Entrepreneurship, Biotech, Blockchain / Crypto, Executive Comp, Investing, Stocks, Real Estate + Alternative Investments, and more…    AZ TRT Podcast Home Page: http://aztrtshow.com/ ‘Best Of' AZ TRT Podcast: Click Here Podcast on Google: Click Here Podcast on Spotify: Click Here                    More Info: https://www.economicknight.com/azpodcast/ KFNX Info: https://1100kfnx.com/weekend-featured-shows/     Disclaimer: The views and opinions expressed in this program are those of the Hosts, Guests and Speakers, and do not necessarily reflect the views or positions of any entities they represent (or affiliates, members, managers, employees or partners), or any Station, Podcast Platform, Website or Social Media that this show may air on. All information provided is for educational and entertainment purposes. Nothing said on this program should be considered advice or recommendations in: business, legal, real estate, crypto, tax accounting, investment, etc. Always seek the advice of a professional in all business ventures, including but not limited to: investments, tax, loans, legal, accounting, real estate, crypto, contracts, sales, marketing, other business arrangements, etc.    

$200K Saved at 46 & 43: When Can You Retire?**Schedule your free virtual consultation

DIY retirement income often fails not because of market drops—but because emotional selling, poor tax planning, and wrong withdrawal timing silently drain your savings.For many DIY retirees, the fatal five are market corrections, shifting from accumulation to income without a strategy, lack of access to durable income instruments, mismanaged tax implications, and uncertainty about whether their money will last through retirement.

How Much Income Will $4.5 Million Give You in Retirement?How Much Income Will $4.5 Million Give You in Retirement?**Schedule your free virtual consultation

In this episode, The Annuity Man discussed:  Preserving principal Matching products to time horizons Adapting to changing rates Prioritizing peace of mind   Key Takeaways:  The “never touch the principal” rule emphasizes generating retirement income from interest alone, keeping original capital intact for protection and legacy. CDs and treasuries are best for terms under three years, while MYGAs provide tax-deferral benefits and stronger returns for longer durations. High interest rates make this strategy attractive now, but if rates fall, retirees may need to pivot to options like immediate annuities for steady income. This approach emphasizes guaranteed returns, protection from volatility and fees, and thoughtful planning, including reviewing MYGA rates, evaluating assets, and considering a spouse's needs.   "Never touch the principal. Those are the four words I want you to focus on." —  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! 

Tired of the market roller coaster? Discover how consistent income streams can bring peace of mind in retirement. Brandon Bowen explains why annuities—especially fixed index annuities—are gaining popularity, and how smart planning can help you avoid “rocking chair regrets.” Hear real-life stories of retirees who travel, support family, and enjoy life without stressing over market swings. Learn how an income inspection can reveal risks and opportunities for your financial future. 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.

Learn how reverse mortgages can create lifetime retirement income by unlocking home equity for cash flow, tax benefits, and financial security. In this video, Caleb Guilliams and Harlan Accola break down the myths, strategies, and real-life benefits of using reverse mortgages as a powerful retirement and wealth building tool. Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultWant Us To Review Your Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review______________________________________________ Learn More About BetterWealth: https://betterwealth.com====================DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Curious how to manage your 401(k), Social Security, and retirement withdrawals in today's market? On this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase break down practical strategies for navigating retirement planning, taxes, and investment decisions so you can make informed choices for your financial future. • Examine why a strong stock market may not reflect the real economy and what seems to be influencing current market movements. • Break down company stock in 401(k)s and explore how net unrealized appreciation (NUA) can affect tax planning. • Explore listener examples of balancing Social Security benefits and retirement account withdrawals to create a thoughtful income plan. • Review early retirement rules, including 457 plans, 72(t) distributions, and the rule of 55, and how they often impact access to funds. • Analyze estate planning mistakes, even among high-profile cases, to understand potential pitfalls and planning considerations. • Compare brokerage accounts, investment research tools, and target-date funds to evaluate what may fit your individual situation. • Evaluate the trade-offs between mortgage payoff strategies and staying invested when interest rates fluctuate. • Clarify how Roth 401(k) and IRA withdrawal rules differ before age 59 ½ and what that could mean for accessing retirement funds. Gain actionable insights and considerations to help make informed retirement planning decisions. Listen now and subscribe to the Retire Sooner Podcast to stay updated on the key factors shaping today's financial planning and retirement strategies. Learn more about your ad choices. Visit megaphone.fm/adchoices

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Owen Edwards was born and raised in Northeastern Pennsylvania, where he continues to live and serve his community through his financial advisory practice. With nearly 30 years of experience, he is dedicated to empowering individuals and families to achieve financial freedom through education—bringing clarity to complex choices and guiding them toward confident, informed decisions. Owen is a Certified Financial Fiduciary® and holds a Certificate in Financial Planning from Boston University.Ready for clarity and confidence in your retirement plan? Schedule a complimentary consultation today.Learn more: https://edwardsinvestments.com/Please keep in mind this must be disclosed at the beginning of the podcast – If you are putting it at the end, we need a minimum of the IAR disclosure in the beginning and information letting them know full disclosures are available at the end of the podcast. Advisory services are offered through Royal Fund Management, LLC, Royal Fund Management LLC is registered as an investment adviser with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. Insurance products offered through Edwards investments LLC. Insurance guarantees are subject to the claims-paying ability of the issuing company. The adviser is paid commissions on the sale of insurance products.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-owen-edwards-with-edwards-investments-building-a-reliable-retirement-income-plan