Podcasts about retirement income

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   

Marty discusses the often surprising transition into retirement, emphasizing the importance of planning and establishing a routine. He highlights the emotional and psychological adjustments retirees face, the significant healthcare costs they may encounter, and the necessity of planning for long-term care. The conversation also covers the importance of financial flexibility in retirement planning, creating a guaranteed income plan, and addressing listener questions about IRA withdrawals and inflation. Marty provides insights into how retirees can navigate these challenges and ensure a comfortable retirement. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

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.    

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

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

Join the conversation: The Investor Lab Community So you’ve built wealth in real estate and you’re approaching retirement… now what? This week, we’re exploring the different ways property investors might think about turning a portfolio into retirement income. Should you sell and redeploy into higher-yield assets? Refinance and draw on equity? Pay down debt to free up cashflow? Or move some capital into other assets for flexibility? Instead of theory, we’ll treat this like a live portfolio strategy session - walking through scenarios and considering how the balance between growth, income, leverage, and risk can shift as you move from the accumulation years into retirement. What we’ll cover: When selling makes sense vs when to hold How refinancing, restructures, and top-ups could help fund retirement Why debt strategy in retirement often flips the script from the accumulation phase Balancing cashflow, equity growth, and risk in later life Whether you’re 5 years away or 25, this is exploring ways to build wealth that doesn’t just look good on paper, it funds the lifestyle you actually want. See you on the inside! IMPORTANT: The Investor Lab is for educational purposes only and does not constitute financial advice. Always do your own research and seek independent professional advice before making any investment or financial decisions. WATCH ON YOUTUBE: Turning Property Wealth Into Retirement Income -- CHAPTERS:00:00 - Not financial advice (but let’s talk retirement) 02:20 - Turning property equity into retirement income 07:00 - Borrowing power vanishes: why you must plan ahead 09:30 - The refinance play: unlocking equity before retirement 13:00 - How $2m equity can equal $100k passive income 18:00 - Accumulation vs drawdown: flipping your strategy 26:30 - Debt in retirement: enemy or ally? 33:00 - CGT, SMSFs & tax in retirement 45:00 - Mina’s 3 retirement questions: financial, lifestyle, emotional 1:02:20 - Redefining retirement: from money goals to meaning 1:20:40 - The future of investing: AI, disruption & Australia’s property lifeboat -- RESOURCES TO HELP: Looking for a team to partner with you in your portfolio building journey? Join Dashdot: https://bit.ly/3E0wKGa Need finance guidance?Chat with the team: http://hey.dashdotfinance.com.au/discoverycall Build Your FREE Portfolio Growth Plan on Property Pathfinder:https://propertypathfinder.io Got a question or some feedback? We're all ears!https://bit.ly/tilqs – Catch Up On Recent Episodes: The Great Melt-Up: When Trust in Money Dies The Illusion of Prosperity: Why Getting Ahead Feels Impossible First Home Guarantee Scheme, Property Scarcity, and Why It Matters for Everyone Else NZ Property Market Crash: What Does It Mean For Australia? Bitcoin vs Australian Real Estate We Answer Everything: When You Have "Enough" Money, Why Cash Flow Is Dead & The Future of Money Why You Need To Retire Earlier Than You Think Beyond 2030: The Prosperity Wave Most Investors Will Miss (Biggest Opportunity Ever) Why Your Buyers Agent Might Be Leading You Into a Property Trap How To Build A Property Portfolio That Pays For Itself The Coming US Debt Collapse (And What It Means For Australia) How to Help Everyone You Care About Win in the New Economy How to Design a Life You Won't Regret in the Next 5 Years How AI Will Change Your Economic Future AI Is Here: And Most People Aren't Ready Is A Supercycle Coming? (Housing Market Outlook) The Inner Game of Investing Trusts & SMSFs: How Advanced Investors Are Rethinking Their Structures in 2025 Tariffs, Trade Wars, and What It Means For Your Portfolio Portfolio Acceleration Masterclass Financial Jiu-Jitsu: How to Break Through Your Portfolio's Cashflow Constraints Winning the Investment Game: How to Set & Beat Your Hurdle Rate Fake Gold? Markets Down? Liquidity Up? – What’s REALLY Going On? The RBA Just Changed the Game — Here’s What It Means for You Hold vs Sell: How to Know When to Take Profits Bitcoin: Why Every Property Investor Needs to Consider Owning It Everything You Need To Know About Property Investing Finance Property Investing In Australia In 2025: What You Need To Know Investment Strategies for 2025 Follow the Money: How Liquidity Drives Asset Prices (and How You Can Benefit) What You Don’t Know About Money Could Cost You Everything -- Connect:dashdot.com.au youtube.com/@theinvestorlab instagram.com/dashdotpropertyinstagram.com/goosemcgrathinstagram.com/gabi.billingSee omnystudio.com/listener for privacy information.

Marty explores retirement planning fundamentals, including income replacement strategies, tax considerations, and the significance of planning for longevity. The conversation also addresses emotional investing, withdrawal strategies for retirement savings, and the implications of inherited IRAs. Finally, the role of annuities in retirement planning is discussed, emphasizing the need for safety and security in investment strategies. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Kevin Brucher discusses the importance of mindset in making better financial decisions. He emphasizes how stress can negatively impact financial choices and suggests strategies for managing stress. The conversation also covers the significance of long-term thinking in financial planning and the current concerns regarding national debt and its implications for retirement. Brucher provides insights into investment strategies and the necessity of having a solid retirement income plan. Call 800-975-6717. Visit Silver Leaf Financial to learn more.See omnystudio.com/listener for privacy information.

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

Retire on Dividends: Is It Really Possible?**Schedule your free virtual consultation

It's not market volatility or inflation. It's not even longevity. The greatest threat to your retirement is something most people have never heard of: sequence of return risk. In this episode of The WealthStyle Podcast, Evan Wohl and Adam Rolewicz reveal the hidden math of early market losses and why two retirees with the same … Read More Read More

Mark Falter, Retirement Income Hour, On New Jobs Report | 9-5-25See omnystudio.com/listener for privacy information.

Most Canadians take CPP early, but delaying until 70 can boost your pension by up to 78% - a guaranteed, inflation-protected income for life.  In this episode of Retirement Planning Simplified, Joe Curry explains how to cover your income needs while waiting for CPP so you don't sacrifice your lifestyle. You'll learn about the Bond Bridge (flexible, liquid income) and the Annuity Bridge (simple, guaranteed income) as strategies to fill the gap. Joe shares how to manage your portfolio to reduce risk and keep your retirement spending on track. Check out the show notes for EP157 HERE.

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! This conversation with Nolan Baker focuses on the essential aspects of retirement planning, emphasizing the importance of understanding tax implications, creating reliable income streams, and the role of Social Security. The discussion highlights various strategies to minimize taxes and ensure a stable financial future for retirees. It encourages proactive planning and regular consultations with financial professionals to optimize retirement income and tax efficiency. 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.

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

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

How Long Will $1 Million Last in Retirement?**Schedule your free virtual consultation

Yet another warning on private investments! I remember hearing about a company by the name of Yieldstreet a few years ago and how it was a new way for smaller investors to get access to private investments and diversify away from stocks. The company promoted their platform with the tagline, “Invest like the 1%.” Unfortunately, it is now coming out that several investors may have lost everything they invested in the platform. One gentleman shared with CNBC how he invested $400,000 in two real estate projects: A luxury apartment building in downtown Nashville overseen by former WeWork CEO Adam Neumann's family office, and a three-building renovation in the Chelsea neighborhood of New York. Each project had targeted annual returns of around 20%. After three years, Yieldstreet declared the Nashville project a total loss, which wiped out $300k of his funds and the Chelsea deal needs to raise fresh capital or it will face a similar fate. Unfortunately, he is not alone and CNBC reviewed documents that show investors put more than $370 million into 30 real estate projects that have already recognized $78 million in defaults in the past year. Yieldstreet customers who spoke to CNBC say they anticipate deep or total losses on the remainder. Looking into this platform in more detail, it's crazy what they were doing. Their portfolio doesn't just consist of real estate as there is also private equity, private credit, art, crypto, and other less common investments. It appears Yieldstreet makes money by charging a management fee of around 2% on invested funds. The craziest part to me though was in several cases, Yieldstreet went to its userbase to raise rescue funds for troubled deals and told members the loans combined the protections of debt with the upside of equity. But in one case, a $3.1 million member loan to rescue a Nashville project was wiped out after just a few months! One of the big problems with these platforms is professional large investors are more disciplined when looking at investing in this space and the smaller players may be getting the bad deals that are passed over by the more established players. It's unfortunate to see people lose money like this, but this is why I avoid the private investment space. There is just not enough clarity and in many cases these platforms seem to be in it for themselves rather than for their investors. I will continue to invest in good, quality equities as I worry, we will continue to hear stories like this from investors who put money into private investments thinking they were investing in a safer asset, just to find out years later there is nothing left.     Will tariffs hurt this holiday season? Here we are already at the end of August and before you know it, you'll be thinking about putting out the Christmas lights and decorating your home. For the past few years, we have seen growth in holiday sales, but this year could be different as it appears from recent conference calls from CEOs at Walmart, Home Depot and Target that they are seeing the tariff increases starting to come through. During his recent conference call, the CEO of Walmart, Doug McMillon, said that the impact of tariffs has been gradually increasing to protect the consumer, but he also said that the company is seeing cost increases each week as it rebuilds inventories with new products post tariff. He also mentioned that they may not be able to protect the consumer from rising prices much longer. What is also bad about this is that retail sales may rise, but consumers will receive less product to put under the Christmas tree considering sales are not adjusted for inflation. This could be the delayed inflation that Jerome Powell and the Federal Reserve has been waiting for and unfortunately, it may show up when people begin shopping for Christmas gifts. Maybe there should not be an interest rate cut in September after all?    Should you work in retirement? When many people are in their working years, they can't wait to retire so they can do what they want to do. For some people that retirement works out well, but science has shown that there's health benefits to working in retirement along with financial benefits. The health benefits would include more physical activity as you're not laying around the house or sitting in the rocking chair on the front porch. Instead, you're moving around walking places and staying active. Working also helps you stay connected with other people, which has been proven to extend your life. The financial benefits from working in your later years would include taking out less from your retirement accounts to maintain a good lifestyle. Also, you can hold off on Social Security which means you'd get a larger Social Security check when you do decide to collect. The type of work you do depend on you and some people in retirement have started a second career that is a job that they always wanted to do. Some people just work part time to stay active and involved. If you're in retirement, you can take a low stress job because you don't really need all the income to cover your expenses as long as you have the financial accounts/investments to do so.   Financial Planning: The challenge of creating retirement income For decades, American workers relied on pensions, but today retirement security largely depends on defined contribution plans like the 401(k), where the burden has shifted to the individual saver. The real challenge comes when it is time to turn a pile of assets into a reliable, inflation-adjusted income stream that can last 20–30 years. Some retirees look to CDs and Treasury bills, which are guaranteed and currently pay about 4% interest, but they offer no appreciation to offset inflation and yields will likely decline as short-term rates drop. Corporate bonds may provide a slightly higher return, but they come with interest rate, credit, duration, and reinvestment risks that often outweigh the modest extra yield. Others consider annuities, which can create a pension-like income stream, but these require handing over principal, and because they are designed by insurance companies, the terms typically favor the provider rather than the investor. High-dividend stocks can also be appealing, but they may be a trap, as struggling companies often have elevated yields due to falling stock prices, which can be compounded further if the dividend is cut. On the other end of the spectrum, broad market indexes like the S&P 500 and Nasdaq have been popular for growth, but their dividend yields remain low, around 1.2% and 0.8% respectively, forcing investors to sell shares for income, and poorly timed sales can shorten portfolio longevity. Even dividend aristocrats, known for steadily increasing payouts, currently only yield about 2% to 2.5% on average. There is no simple solution, but one truth stands out: accumulating assets is very different than generating income from them. Retirees need a clear income plan before leaving the workforce in order to maximize both security and enjoyment in retirement.   Companies Discussed: Cracker Barrel Old Country Store, Inc. (CBRL), Zoom Communications Inc. (ZM), Ralph Lauren Corporation (RL) & Viking Holdings LTD. (VIK)  

"We're 53 and thinking about buying a rental property for income in retirement. What should we watch out for before jumping in?" We're answering YOUR questions on this week's Get Ready For The Future Show! I'm 59 and not in great health. Should I take Social Security early just in case, or wait and hope for the best? My husband wants to keep working part-time after retirement, mostly for the health insurance. Is that really the best reason to keep working? We're 65 and have Medicare, but we're unsure whether to stick with Original Medicare or switch to Advantage. What are the real trade-offs? 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 aired 8/27/2025

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Is the 4% rule still relevant—or dangerously outdated? In this episode of Success in the New Retirement, Damon Roberts and Matt Deaton explore how longer lifespans, rising costs, and hidden 401(k) fees are reshaping retirement planning. They break down income strategies that go beyond traditional stocks and bonds, explain why mutual funds may be costing retirees more than they realize, and highlight the importance of working with a fiduciary. If you're serious about maximizing income and minimizing fees, this episode is a must-listen. 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.

When should you claim Social Security—and how does your spouse factor in? Frank and Frankie Guida break down the complexities of spousal benefits, timing strategies, and real-life scenarios that could impact your retirement income. From survivor benefits to portfolio coordination, they explore how couples can make smarter decisions about when and how to file. Plus, hear how one couple’s plan added over $500K in lifetime benefits by waiting just a few years. 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.

Stephen Grootes speaks to Warren Ingram, Co-Founder of Galileo Capital, about navigating the complexities of retirement planning, particularly the crucial decision of choosing between a variable income and a guaranteed income for life from retirement investments. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Stephen Grootes speaks to Warren Ingram, Co-Founder of Galileo Capital, about navigating the complexities of retirement planning, particularly the crucial decision of choosing between a variable income and a guaranteed income for life from retirement investments. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

A financial lifecycle can be broken into three phases: accumulation, distribution and estate.  We discuss examples of when clients have thought it was in thier best interest to hire a financial advisor. 

Join Chief Marketing and Strategy Officer Jared Trexler and FinServe Network ambassadors Terrell Dinkins, ChFC®, RICP®, and Angie Ribuffo, CFP®, RICP®, ChFC®, CDFA®, CLTC®, WMCP®, from the Conference of African American Financial Professionals (CAAFP) as they discuss how advisors can help clients open up about their goals for retirement and what they can do to help them get there.   Find all episodes at TheAmericanCollege.edu/Shares.

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Is it possible, common even, to spend a lot early in retirement to celebrate your financial freedom? How do Roth conversions and withdrawals work if you do plan to call it quits around age 57, and spend big early on? Should you convert retirement funds to tax-free Roth after you stop working? Joe Anderson CFP® and our special guest co-host, Marc Horner, CFP® spitball on these topics for "Beavis and Daria" in Texas and "Clark Kent" in Pennsylvania, today on Your Money, Your Wealth® podcast number 543. Plus, the sooner 56-year-old "Tony Soprano" in New Jersey can retire, the better. What tips do Joe and Marc have for him? By the way, Marc is one of the newest principals here at Pure Financial Advisors. He's the founder of Fairhaven Wealth Management, which has just become the newest Pure Financial Advisors Chicagoland office in Wheaton, Illinois - so help us welcome him for his YMYW debut. Free financial resources & episode transcript: https://bit.ly/ymyw-543 Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! (secret password: ymyw) DOWNLOAD the Withdrawal Strategy Guide for free WATCH Withdrawal Trap Doors on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 01:00 - Spending Higher Earlier in Retirement to Celebrate? How to Convert? Where to Withdraw? (Beavis & Daria, TX) 12:30 - Watch Withdrawal Trap Doors on YMYW TV and Download the Withdrawal Strategy Guide for free 13:36 - Can I Retire at 57 Even With a High Draw Down Rate? Should I Convert After Retirement? Should I Consider an Annuity? (Clark Kent, PA) 28:23 - Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! (secret password: ymyw) 29:09 - When Can I Retire? The Sooner the Better. (Tony Soprano, NJ) 37:43 - Next Week on the YMYW Podcast 38:01 - YMYW Podcast Outro

Is the 4% retirement rule outdated—or just misunderstood? Damon Roberts and Matt Deaton unpack the myths, math, and media noise surrounding retirement withdrawal strategies. From Roth conversions and RMDs to alternative income tools and celebrity financial advice, this episode helps retirees navigate the shifting landscape of retirement planning with clarity and confidence. 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.

In this conversation, Nathan Fort explores the evolving landscape of retirement planning, questioning traditional financial advice in light of modern economic realities. Nathan discusses the implications of mortgage management, the pros and cons of downsizing, the impact of inflation on retirement income, and the importance of having a clear financial strategy. Through various scenarios, he emphasizes the need for personalized planning to ensure financial security and confidence in retirement. If you have any questions concerning your retirement call Nathan Fort 800-890-5008 or click here to visit our website. Retiring, Planning, Saving, Healthcare, 401K, Roth, TaxesSee omnystudio.com/listener for privacy information.

On this episode: How much should we follow the investment moves of people like warren Buffett? New data on what people need and spend in retirement. A retirement lesson from George Carlin. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

What if your retirement plan is chasing the wrong number? In this episode of Retirement For Living, JoePat Roop explores how business owners, retirees, and everyday savers can avoid costly tax mistakes, rethink Roth conversions, and use annuities to build lifetime income. From dodging IRMA surcharges to understanding the real impact of leaving behind a large IRA, this episode is packed with practical insights and candid advice. Whether you're selling a business or planning your legacy, this conversation helps you align your retirement goals with what truly matters. 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.

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! What if your retirement success hinges on a few overlooked financial moves?This episode unpacks the critical elements of retirement planning—from the power of index funds to the hidden risks of withdrawal timing. We explore how risk tolerance, debt elimination, and tax strategy can shape your financial future. Whether you're years away from retirement or already planning your exit, this conversation offers practical insights to help you navigate the complexities of long-term financial security—without the fluff or false promises. 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.comSee omnystudio.com/listener for privacy information.

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This episode features a large news slate: Hulu, Disney+ to merge in 2026, OpenAI targets $500B valuation, and Uber approves $20B stock buyback. Roundtable: Retirement Income Sources Webinar https://www.instagram.com/delano.saporu/?hl=en. Connect with me here also: https://newstreetadvisorsgroup.com/social/. Want to support the show? Feel free to do so here! https://anchor.fm/delano-saporu4/support. Thank you for listening.

Chris's SummaryJim and I review a recent article featuring Robert Merton's views on retirement income versus savings, using it as a springboard to unpack income planning fundamentals and annuity projections. While we agree with many of Merton's framing points—especially the focus on secure income—we also note several key areas where academic theory diverges from real-world […] The post Retirement Income Versus Savings: EDU #2532 appeared first on The Retirement and IRA Show.

Now “retired” (whatever that means), Nevin is the former Chief Content Officer and Head of Retirement Research for the American Retirement Association. One of the retirement industry's most prolific writers, these days he's “retired”, which means he writes less, but continues to keep his eye on developments in, and threats to, the nation's private retirement system. He's the Chief Advisor Strategist at Endeavor Retirement, and he's also the “Nevin” in the Nevin & Fred podcast (along with renowned ERISA attorney Fred Reish), offering irreverent, but relevant perspectives on the critical issues confronting plan sponsors, advisors, and retirement industry professionals. Prior to his time at the ARA, he was the Employee Benefits Research Institute's Director of Education and External Relations, Co-Director of EBRI's Center for Research on Retirement Income, and Director of the American Savings Education Council, and prior to that, spent a dozen years as Global Editor-in-Chief of PLANSPONSOR magazine and PLANSPONSOR.com, as well as PLANADVISER and PLANSPONSOR Europe magazines. He was the originator, creator, writer, and publisher of PLANSPONSOR.com's NewsDash. He began his retirement services career at Northern Trust in Chicago, where he later served in a variety of management roles, culminating in the development of a proprietary recordkeeping platform, and at Wachovia Bank, leading their defined contribution/recordkeeping businesses.In this episode, Eric and Nevin Adams discuss:Retirement income requires tailored solutions.Fiduciary roles shift after adoption.Default options remain a challenge.Adoption will be gradual and cautious.Key Takeaways:There's a wide range of income options beyond annuities, but each plan should carefully assess its participants' needs before implementing anything.Choosing to offer a retirement income option begins as a settlor decision, but once implemented, it becomes a fiduciary duty to select the specific solution, to monitor, and manage.Auto-enrolling participants into lifetime income products is complex—many don't fully grasp the trade-offs, and surveys show mixed interest.Due to regulatory uncertainty and logistical hurdles, most plan sponsors are expected to move conservatively, guided by education and expert consultation.“How are we making default lifetime income assumptions about people on a generic basis without some of that nuance? Aren't you, almost by definition, creating a product that's not really going to fit people anyway?” - Nevin AdamsConnect with Nevin Adams:Website: https://nevinandfred.com/ LinkedIn: https://www.linkedin.com/in/nevinadams/ Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information and content of this podcast are general in nature and are provided solely for educational and informational purposes. It is believed to be accurate and reliable as of the posting date, but may be subject to changeIt is not intended to provide a specific recommendation for any type of product or service discussed in this presentation or to provide any warranties, investment advice, financial advice, tax, plan design, or legal advice (unless otherwise specifically indicated). Please consult your own independent advisor as to any investment, tax, or legal statements made.The specific facts and circumstances of all qualified plans can vary, and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan-specific circumstances.

61 with $375K Saved: When Can They Retire?**Schedule your free virtual consultation

In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the critical question of whether savings will last through retirement. They explore common mistakes made by pre-retirees and retirees, emphasizing the importance of strategic planning and understanding the risks associated with outliving savings. The hosts introduce the Monte Carlo simulation as a tool for assessing financial risks and analyze different investment strategies to enhance retirement income. They highlight the significance of diversification and the need for a balanced approach to retirement planning, ultimately encouraging listeners to consider their financial strategies carefully. Check out our website:  beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Takeaways Many pre-retirees make mistakes by not paying attention to their savings. The question of whether savings will last is crucial for retirees. Understanding the risks of outliving savings is essential. The Monte Carlo simulation helps assess the likelihood of outliving money. Investment strategies should consider both market and non-market assets. Diversification is key to managing financial risks in retirement. A balanced approach to retirement income is necessary for financial security. Strategic planning can mitigate tax implications on retirement savings. Listeners should evaluate their financial strategies regularly. Engaging with financial advisors can provide personalized insights.  Chapters 00:00 Introduction to Retirement Planning Challenges 02:45 Understanding the Monte Carlo Simulation 05:57 Exploring Retirement Income Strategies 08:59 Comparing Investment Strategies for Retirement 12:01 The Importance of Diversification in Retirement 15:03 Strategic Planning for Financial Security 17:58 Conclusion and Next Steps    

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