Podcasts about retirement income

Can You Retire at 55 With $800,000? (Using the Rule of 55)Are you 55 years old with around $800,000 saved for retirement? You may be closer to retirement than you think.In this video, I'll walk through a real retirement scenario and explain how the Rule of 55 works, allowing many people to access their 401(k) without the normal 10% early withdrawal penalty if they leave their employer at the right time.**Schedule your free virtual consultation

Could a simple tax strategy create unexpected consequences if it's done incorrectly? On this episode from this past weekend’s radio show, Mike Douglas discusses Roth conversions, backdoor Roth strategies, and the often-overlooked IRS rules that can catch retirees by surprise. He explains how tax planning fits into a broader retirement strategy, why today’s tax environment matters, and how long-term care planning can impact families and retirement savings. The conversation highlights the importance of coordinating tax, income, and legacy planning to help avoid costly mistakes and prepare for the future. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

On this episode: She bought her dream house on the beach but may have done it the wrong way. Is the greed factor getting you in this stock market? If you delay Social Security and draw off your 401(k), does the math work? Subscribe or follow so you never miss an episode! Check out Fire Your Financial Advisor on YouTube! Learn more at GoldenReserve.com or follow on social: Facebook & LinkedIn.See omnystudio.com/listener for privacy information.

In this episode, you'll learn how to use Infinite Banking even better by learning from the stories of other people. In this episode, learn about how people use Infinite banking to: ·      Build a family banking system ·      Build a health food store ·      Develop software ·      Build a new business ·      Purchase business equipment ·      Loan money to a friend ·      Pay for private school ·      Finance their tax bill ·      And MORE! Using Infinite Banking is an exercise in imagination. By hearing what other people are doing with infinite banking you can learn and implement the creativity that is working for others into your own life and boost your finances. Retirement Income using Infinite Banking | Episode 578: https://www.youtube.com/watch?v=9STyuxsoWn4 Real Estate Investing with Dr Steve| Episode 543: https://www.youtube.com/watch?v=_r552FyHfc0 Infinite Banking and Real Estate | Episode 544: https://www.youtube.com/watch?v=aFqxeENXIiY  

Can I Retire at 63 with $350,000?!?Can you really retire at 63 with $350,000 saved for retirement? In this retirement video, we break down the real numbers behind retirement income, Social Security, retirement healthcare costs, retirement withdrawals, and lifestyle expectations to see what's actually possible in retirement. **Schedule your free virtual consultation

Retirement may be the first time you can truly control your tax bill. Damon Roberts & Matt Deaton explain how tax diversification, Roth accounts, retirement income planning, and annuity strategies can help create more flexibility in retirement. The conversation focuses on keeping more of your money while building dependable retirement income. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

What if the biggest reason retirees avoid annuities has nothing to do with the product itself? Greg examines why annuities continue setting sales records while remaining one of the most criticized financial tools. He breaks down the differences between annuities, CDs, and market-based investments, explains the role of guarantees and risk management, and shares his perspective on why parts of the financial industry push back against them. Plus, a look at where annuities may fit within a broader retirement strategy. Subscribe or follow so you never miss an episode! Check out Fire Your Financial Advisor on YouTube! Learn more at GoldenReserve.com or follow on social: Facebook & LinkedIn.See omnystudio.com/listener for privacy information.

Could retiring sooner than expected be possible—or are there important trade-offs you need to consider first? Frankie Guida explores the financial and lifestyle factors behind early retirement, including income replacement, healthcare costs, Social Security timing, and retirement spending strategies. He discusses why understanding your goals matters just as much as running the numbers, and how evaluating different retirement timelines can help you make informed decisions about your next chapter. Schedule a complimentary appointment: A Better Way Financial Learn more about Frank and Frankie's book here! Buy Frank's book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Buy Frankie's book! Amazon Best Seller, ""A Better Way to Retire: How a Fiduciary Retirement Planner Can Be the Key to Financial Success" CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

You don’t need grand slams to build a successful retirement plan. Art McPherson discusses balancing risk and growth, creating reliable income, avoiding retirement planning mistakes, and defining what financial freedom really means before turning your retirement dreams into reality. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

What if retirement planning is less about reaching a destination and more about knowing which turns to take along the way? Brandon Bowen explains how key retirement milestones like Social Security, Medicare, pensions, and paying off debt can shape your retirement timeline. Through a real-life client story, he shows how a flexible retirement plan can adapt when life circumstances change, helping retirees evaluate their options as goals and priorities evolve. The conversation highlights the importance of having a personalized roadmap that accounts for both financial resources and the unexpected changes that often come with retirement. 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.

A new retirement account is making headlines, but does it belong in your family’s financial plan? JoePat Roop discusses the new Trump Accounts, Social Security timing strategies, Roth conversions, and why a written retirement plan can help turn savings into lasting income and legacy opportunities. 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.

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

You’ve spent decades building your retirement savings—but do you know how that money will turn into a paycheck? Catherine Gross discusses why income planning is one of the most important parts of retirement and why many retirees focus on saving without preparing for the distribution phase. The conversation explores Social Security, pensions, 401(k)s, protected income strategies, and the role each can play in covering retirement expenses. Learn how evaluating income needs, savings, and risk tolerance can help create a clearer picture of where your retirement paycheck may come from. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights:

Do you really need $1.5 million to retire—or is that number missing part of the story? Mike Douglas breaks down the retirement savings figures making headlines in 2026 and compares them to what retirees say they actually live on. He explores the popular "Rule of 25," the role Social Security can play in retirement income, and why factors like lifestyle, location, healthcare costs, and personal goals can significantly impact your retirement number. If you're trying to estimate how much you'll need for retirement, this episode offers a practical framework to get started. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

Should retirees chase the next big IPO, or stay focused on the plan they've spent decades building? In this episode from this past weekend's radio show, Abe Abich discusses the excitement around high-profile investments like SpaceX, the risks of chasing market trends, and why a personalized retirement strategy matters. He also explores the "one more year" retirement mindset, retirement income planning, and the importance of tax diversification. Learn how investment decisions, income sources, and tax strategies can work together to support a more organized transition into retirement. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Is your retirement portfolio truly diversified, or does it just look that way on paper? In this episode from this past weekend’s radio show, Mike Douglas explores the risks of concentrated investments, the growing influence of tech stocks, and why diversification is about more than simply owning multiple funds. He also discusses how changing tax laws can impact retirement planning and why a proactive strategy for income, taxes, risk, and estate planning may help retirees adapt to changing market and legislative environments. Learn why every retirement plan should include a backup plan before it's needed. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

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

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

Join us as Sandy Lee shares her journey from engineering to successful short-term rental investor, highlighting how her management skills and innovative use of AI are transforming her business. Discover practical insights on market analysis, operational efficiency, and building lasting relationships in real estate.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Can You Retire at 63 With $850,000? Here's the StrategyIn this retirement video, I walk through a retirement strategy for someone who is 63 years old with $850,000 saved for retirement. We'll look at how retirement income, Social Security timing, retirement withdrawal needs, taxes, and healthcare can all impact whether retirement is actually realistic. The goal isn't just to ask “Can I retire?” — it's to build a retirement strategy that helps your money last.**Schedule your free virtual consultation

Can an 8% withdrawal rate really last through retirement? Damon Roberts & Matt Deaton examine Dave Ramsey’s views on retirement withdrawals, market volatility, IPO investing, SpaceX, FOMO, and retirement income planning. The discussion highlights the importance of balancing growth, risk, and retirement sustainability. 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.

The hosts of “Henssler Money Talks” discuss one of the most important — and most misunderstood — decisions in retirement: claiming Social Security. Rather than focusing solely on the "best" age to file, we examine how Social Security fits into a broader retirement income strategy. We break down breakeven analysis and how claiming decisions work alongside your investment portfolio and withdrawal plan to help support long-term retirement goals.Original Air Date: July 4, 2026Read the Article: https://www.henssler.com/the-social-security-question-everyone-asks-but-few-ask-correctly  

What does financial freedom really look like when retirement is finally within reach? Jackie Campbell explores the difference between building wealth and building the freedom to spend time, money, and energy on what matters most. She discusses retirement income, tax planning, investment risk, legacy preparation, and the habits that help create true financial independence. For more information or to schedule a consultation call 352-251-1015 or visit www.mycampbellandco.com! Follow us on social media: Facebook | YouTube | X | InstagramSee omnystudio.com/listener for privacy information.

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

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

What if your biggest retirement risk isn’t the market—but the tax bill waiting for you? JoePat Roop discusses financial independence, rising national debt, Roth conversions, tax-efficient retirement income, and why large IRAs can become future tax burdens. He breaks down strategies designed to simplify retirement planning and help retirees understand where their income and taxes may come from in the years ahead. 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.

Could the timing of market returns have a bigger impact on your retirement than the returns themselves? In this episode, Justin Doback explains sequence of returns risk and why early market declines can affect retirement income differently than downturns later in retirement. He discusses real-world examples, common mistakes retirees make, and strategies designed to help manage withdrawals during volatile markets. Learn why diversification, distribution planning, and balancing growth with principal protection are important considerations when building a retirement income strategy. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

What if the biggest retirement mistake isn’t choosing the wrong annuity—but not understanding what you already own? Steve Anzuoni breaks down why annuities create so much confusion, how retirees can avoid costly planning mistakes, and why guaranteed income plays a critical role in long-term retirement confidence. He shares a real-world example of aligning income and long-term care concerns, discusses planning for longevity, and explains why delaying retirement decisions can be costly. The conversation also covers maximizing 401(k) opportunities, catch-up contributions, and the importance of turning financial knowledge into action. SCHEDULE A MEETING OR PHONE CONSULTATION TODAY! Get a Copy of Steve's Book - Tee Up Your Retirement! Social Media: Facebook I LinkedIn I Instagram I YouTube See omnystudio.com/listener for privacy information.

Mark Falter, Retirement Income Hour, On Markets | 7-3-26See omnystudio.com/listener for privacy information.

Retirement planning comes with plenty of questions, and this episode of the Retire Sooner Podcast is built around answering them. Join Wes Moss and Christa DiBiase as they tackle listener questions on retirement income, investing, 401(k)s, Roth IRAs, target-date funds, and career changes. • Compare the bucket strategy with other approaches to generating retirement income. • Learn how withdrawal guardrails may help shape spending decisions in different market environments. • Consider 401(k) and Roth IRA options if you're working to build your retirement savings. • Find out how target-date fund fees and expense ratios really work and how they may fit into a retirement withdrawal strategy. • Explore what a second-act career may look like in education, healthcare, technology, or financial services. • Review what to expect when moving from a financial advisor to a self-directed investment account. • Understand why compounding and asset allocation may matter whether you own one fund or several. Whether you're saving for retirement, approaching retirement, or already there, you'll find thoughtful perspectives on some of today's most common financial questions. Listen and subscribe to the Retire Sooner Podcast for more conversations about retirement planning, investing, and retirement income. Learn more about your ad choices. Visit megaphone.fm/adchoices

What if retirement isn't about having more money, but having a better plan? Steve Hoyl and Derrek Caldwell discuss why many people feel overwhelmed by retirement decisions and how a step-by-step approach can bring clarity. They break down key elements of retirement planning, including income needs, spending habits, taxes, legacy considerations, risk management, and forgotten 401(k)s. The conversation highlights common planning mistakes, the importance of understanding your risk score, and why retirement strategies should evolve as life changes. Get Your Complimentary Retirement Analysis Social Media: Facebook | XSee omnystudio.com/listener for privacy information.

In this special Office Hours episode, Scott Galloway and Nick Maggiulli, COO of Ritholtz Wealth Management, answer listener questions on building wealth at every stage of life. They talk about paying down debt on a modest income, generating retirement income without over-obsessing on dividends, and whether young families should keep investing or wait on an inheritance. Want to be featured in a future episode? Send a voice recording to officehours@profgmedia.com, or drop your question in the r/ScottGalloway subreddit. Plus, you can now call or text Scott a question at our new Office Hours hotline: ‪(201) 472-3656‬. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Can I Retire at 60 with $285,000 Saved For Retirement?!?Can you really retire at age 60 with only $285,000 saved? In this video, I break down a real-world retirement scenario and show what kind of income $285,000 may be able to generate. We'll discuss Social Security, spending needs, healthcare costs, and the key factors that determine whether retirement is realistic. If you're approaching retirement and wondering if you've saved enough, this analysis will help you understand your options. **Schedule your free virtual consultation

Financial independence may be the retirement milestone worth celebrating most. Damon Roberts discusses America’s 250th anniversary while exploring how retirees can replace uncertainty with a structured financial plan. The conversation covers Social Security, taxes, investment risk, income planning, and real-life retirement challenges, showing how a coordinated strategy can help retirees focus more on life and less on financial stress. 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.

Five powerful forces could shape your retirement more than any single investment. Jackie Campbell explores retirement income, legacy planning, investment risk, taxes, and inflation while discussing the excitement around SpaceX and the debate over retirement withdrawal rates. Jackie explains why retirement isn’t about following headlines—it’s about building a coordinated plan designed to adapt to changing markets and life events. For more information or to schedule a consultation call 352-251-1015 or visit www.mycampbellandco.com! Follow us on social media: Facebook | YouTube | X | InstagramSee omnystudio.com/listener for privacy information.

What if everything the financial industry has told you about retirement isn't quite the full story? Headlines insist you need $1.8 million to retire, yet only 3% of retirees actually have that — and 82% say they have enough and are happy. So what's really going on? On this episode, Greg Aler unpacks why the industry leans on fear, inflation talk, and savings targets to keep retirees uncertain and dependent. Subscribe or follow so you never miss an episode! Check out Fire Your Financial Advisor on YouTube! Learn more at GoldenReserve.com or follow on social: Facebook & LinkedIn.See omnystudio.com/listener for privacy information.

Do you really need $1.6 million to retire—or is that number misleading? Frank and Frankie Guida explain why retirement isn’t defined by a universal savings target. They discuss how income sources like Social Security and pensions, spending needs, and retirement timing all shape a personalized plan. The conversation also covers evaluating risk, managing taxes, and determining how much income you can realistically generate in retirement. If you’ve been focused on hitting a specific number, this episode reframes the conversation around building a strategy based on your individual situation. Schedule a complimentary appointment: A Better Way Financial Learn more about Frank and Frankie's book here! Buy Frank's book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Buy Frankie's book! Amazon Best Seller, ""A Better Way to Retire: How a Fiduciary Retirement Planner Can Be the Key to Financial Success" CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

Hot investments grab headlines, but do they belong in a retirement plan? JoePat Roop discusses the SpaceX IPO, retirement income strategies, long-term care concerns, and why retirement planning requires more than stock market predictions. He also introduces the “tax triangle” concept and explains how retirees can think differently about tax-free, tax-deferred, and taxable assets while building a stronger retirement strategy. 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.

Are you keeping too much money in cash because you're waiting for the “right time” to invest? In this episode, Tom and Don explain why market timing has historically been one of the costliest investing mistakes—and why even the worstinvestment timing has dramatically outperformed sitting on the sidelines.They also answer listener questions about immediate annuities, I Bonds, portfolio allocation, sequence-of-returns risk, and why using whole life insurance as an investing strategy is a bad idea.00:05 – Why so much money is sitting in cash03:21 – Americans hold over $20 trillion in cash-like accounts05:08 – The enormous cost of waiting to invest07:27 – Morningstar's “Mind the Gap” study and investor behavior10:41 – Cash is trash (except when it isn't)11:41 – How to earn more on your bank savings15:55 – Should immediate annuities count as bonds in your portfolio?17:23 – I Bonds vs. TIPS and inflation protection19:50 – Is 20% cash too much in retirement?20:43 – Whole life insurance for sequence-of-returns risk?22:28 – Why the advisor's recommendation raises red flags23:39 – The real way to manage sequence risk in retirementQuestions? Comments? Click!

Every major retirement decision comes with one important question: When? In this episode of Protect Your Assets, David Hollander discusses the timing decisions that can have a lasting impact on your financial future, including when to claim Social Security, when required minimum distributions (RMDs) begin, when Roth conversions may make sense, and how the order of retirement account withdrawals can influence your long-term tax strategy. Whether you're approaching retirement or already there, this episode offers practical retirement planning insights to help you make more informed decisions about your income, taxes, and legacy. You can send your questions to questions@pyaradio.com for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.

What if trying to hit financial “home runs” is actually hurting your retirement plan? From this past weekend’s radio show, Abe Abich explains why a “singles and doubles” approach—steady, consistent decisions—can shape a more stable retirement strategy. The episode explores the risks of emotional investing, the importance of staying invested through market swings, and how overlooked “slow leak” expenses can gradually impact savings. Abe also shares real client scenarios to highlight the value of building a clear income plan designed to handle both expected needs and life’s surprises. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

What does it take to create a retirement income plan that lasts a lifetime? In this episode of Finishing Well, Certified Financial Planner Hans Scheil and Robby Dilmore continue the Financial Plan Series by exploring how retirees can build a reliable income stream that supports both their needs and their dreams. Hans explains the importance of planning from the ground up—starting with essential living expenses, adding lifestyle goals, and then creating a strategy designed to provide dependable income throughout retirement. Learn how Social Security, annuities, investments, tax planning, and estate considerations all work together to form a comprehensive retirement income plan. Drawing inspiration from the biblical account of Elijah and the widow, this conversation highlights the value of faith over fear when making financial decisions. Whether you're approaching retirement or already retired, this episode offers practical insights to help you gain confidence that your income can keep pace with life's challenges and opportunities.

Watch the Interview on Youtube for Visuals - https://youtu.be/TS_RTVc3PL8Want to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarityWant Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewWant Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultLearn More About BetterWealth: https://betterwealth.comChapters:00:00 - Intro 01:21 - The "Mountain" Analogy: Accumulation vs. Distribution 04:53 - Reversing Engineering Income Over Net Worth 07:25 - The One Economic Power Approach 09:12 - Impact of Sequence of Returns on Retirement Assets 10:02 - S&P 500 Historical Data Case Study (1999-2024) 14:40 - Two Economic Powers: Accumulation and Distribution16:04 - Historical Context: The Shift from Pensions to 401(k)s 18:08 - Integrating Investments and Insurance for Efficiency 23:29 - The Three Functions of Money in Retirement: Income, Liquidity, Legacy 27:09 - The Waterfall Effect: Optimizing for Paycheck First 32:23 - Customizing Retirement Packages Based on Personal Preference 35:37 - The "One-to-One" Ratio Concept and Balancing Powers 38:01 - Volatility Buffers and Mitigation Strategies 41:34 - Analyzing Life Insurance: Whole Life vs. Indexed Universal Life (IUL) 46:55 - The Reality of Taxes and Market Efficiency 52:25 - Conclusion and Future Cash Flow PlanningDISCLAIMER: 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.

In this episode, Steve Selengut shares his expertise on income-focused investing, emphasizing the importance of generating consistent income from assets rather than relying solely on market value appreciation. He discusses practical strategies, common obstacles, and how financial advisors can better serve clients seeking income independence.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Why do so many retirees struggle to spend money they've spent decades saving? Don and Tom explore the psychology behind retirement spending, including the fear of running out of money, the reluctance to touch principal, and how guaranteed income sources like Social Security, pensions, and even simple immediate annuities can make retirees more comfortable enjoying their wealth. They discuss practical strategies for creating spending confidence, the importance of comprehensive retirement planning, and why delaying meaningful experiences can be riskier than spending. The episode also answers a listener question about setting up a Roth IRA for a teenager and examines the latest uncertainty surrounding 529-to-Roth transfers.0:05 Introduction: Why retirees struggle to spend money they can afford to spend1:36 Fear of running out versus fear of missing out in retirement2:52 Why even millionaires worry about spending their savings3:51 The saver mentality and the challenge of switching to spending mode4:47 Research shows many retirees barely touch their nest eggs5:29 YOLO, aging, and the reality of declining mobility later in life6:02 Why retirees prefer spending Social Security, dividends, and interest over principal8:04 Travel, aging, and the danger of postponing experiences8:49 Creating confidence through retirement planning9:56 Using Social Security and RMDs to cover essential expenses10:12 Flexible withdrawal strategies for retirement spending11:39 Could a simple immediate annuity help retirees spend more confidently?12:42 Healthcare costs, aging, and changing spending patterns13:30 Recency bias and how it distorts retirement decisions14:48 Why lifelong savers have trouble becoming spenders16:27 Summer slowdown and a request for more listener questions17:58 Listener question: Setting up a Roth IRA for a 19-year-old daughter19:16 Evaluating Avantis ETFs and M1 Finance for a young investor19:48 Why a single-fund solution may be better for small accounts20:56 The importance of emerging markets exposure22:40 Understanding 529-to-Roth IRA transfer rules24:33 The unanswered question of beneficiary changes and the 15-year ruleQuestions? Comments? Click!

What does it take to build a successful advisory firm using a flat-fee model instead of charging based on assets under management? And how can advisors scale effectively while still delivering highly personalized retirement income planning and maintaining strong client relationships?  Bradley Clark is the founder of Clark Asset Management, a remote RIA overseeing $1.6 billion in assets under management for 340 client households. In this episode, Bradley shares how he has grown his firm by focusing on flat fees for clients nearing and in retirement, and why he believes achieving "minimum efficient scale" is especially important for firms using this model. Listen in to hear how Bradley tracks operational metrics to measure growth and efficiency, how he has thoughtfully increased fees over time while maintaining strong client retention, and how lessons from his earlier career experiences helped shape the way he runs and grows his advisory business today.  For show notes and more visit: https://www.kitces.com/495    

Brian Wiley and Jeremiah Bates open the show with a discussion on concentrated stock positions, portfolio rebalancing, and the challenges investors face after large gains. Using examples ranging from Micron stock to broader market opportunities, they explore diversification, risk management, investor psychology, and the ongoing battle between fear and greed. The conversation also examines what it really means to be wealthy, how to think about financial independence, and why having a plan matters more than chasing the next investment opportunity. The second hour focuses on retirement income planning and highly appreciated assets, particularly rental properties. They discuss capital gains concerns, 1031 exchanges, Delaware Statutory Trusts (DSTs), step-up in basis rules, and strategies for investors who want to simplify their lives without creating unnecessary tax consequences. They also cover Treasury bills, retirement withdrawal planning, income-focused investing, and how to evaluate whether your assets are positioned to support your long-term goals.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Brian Wiley ————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Mark Falter, Retirement Income Hour | 6-19-26See omnystudio.com/listener for privacy information.

Should retirees live off dividends and bond interest, or use a total return strategy? Don and Tom tackle one of the most persistent myths in retirement investing: that dividend-paying stocks create safer retirement income. They explain why dividends are not “free money,” how dividend-focused portfolios can create hidden risks, and why most academic research favors a diversified total return approach. The conversation explores dividend traps, covered-call income funds, sustainable withdrawal strategies, and the importance of diversification. They also respond to a listener defending Robinhood's platform, debate gamification in investing, and discuss Philadelphia's new automatic retirement savings program designed to help workers without employer-sponsored plans.0:05 Introduction: Dividend income vs. total return investing1:44 Why retirees are attracted to dividend-focused portfolios2:19 What a total return strategy actually means3:37 The appeal of predictable dividend income4:55 High-yield ETFs and the risks behind the payouts5:03 Why dividends are not free money6:10 Larry Swedroe's argument: dividends are not income6:27 Understanding the dividend trap7:05 Extreme dividend yield example: GMEX Robotics8:35 YieldMax and triple-digit yields9:44 Why academics favor total return strategies10:48 Rebalancing as an income source in retirement11:43 The hidden risks of income-focused products13:30 Bridge-playing and retirement banter14:21 How listeners can submit questions15:12 Listener question: Is Robinhood getting unfair criticism?16:13 Robinhood, gamification, and investor behavior18:18 Why “stodgy” may be good for money management19:53 Philadelphia's new retirement savings initiative20:45 Automatic enrollment and retirement success22:30 Why saving must be made easy23:28 Free portfolio reviews at Appella24:21 Discussion of The Line Uncrossed26:47 Family history and future book possibilitiesQuestions? Comments? Click!