Podcasts about retirement income

We'd love to hear from you. What are your thoughts and questions?Retirement planning is often viewed as a math-based finish line, but Patrick Negado argues it is truly an emotional journey requiring a shift from accumulation to intentional structure. This episode explores how to build a lasting retirement plan that prioritizes guaranteed income and personal vision, ensuring long-term financial peace and meaningful legacy.Main Points:Transition your financial mindset from aggressive accumulation to strategic distribution once you approach retirement.Implement the “Canoe in the Current” framework to cover monthly essentials with guaranteed income while letting investments handle discretionary spending.Create a “Retirement Vision Statement” to align your financial structure with your personal goals and family values.Mitigate market volatility risks by using time-segmented investment strategies rather than simply scaling back on equity exposure.Communicate your financial philosophy to family members early to prevent future mismanagement of inherited assets.Connect with Patrick Negado:pnegado@gmail.comcanoeandcurrentwealth.comwww.linkedin.com/in/patrick-j-negado-chfc®-ricp®-711701https://www.facebook.com/profile.php?id=61577955493266

Could a market downturn, an unexpected inheritance, or rising healthcare costs derail your retirement plans faster than you think? This week on the How to Retire Radio Show, the team from America’s Retirement Headquarters explores why retirees need more than investment growth to stay on track. Learn how a two-bucket income strategy may help manage market volatility, why healthcare costs before and after Medicare deserve close attention, how inherited assets can create tax and insurance surprises, and what changes when you join the “millionaire club.” The conversation highlights the importance of coordinating income, taxes, healthcare, and legacy planning as retirement approaches. 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 that you can enjoy financial confidence and peace of mind.See omnystudio.com/listener for privacy information.

Two retirees can have the same age, the same nest egg, and the same monthly expenses. Give them the exact same retirement income plan, and one may feel completely comfortable while the other loses sleep the moment markets fall. That's because retirement income planning involves more than math. It also depends on how much certainty you want, how much flexibility you're willing to give up, and which risks you're comfortable carrying yourself. In this episode, I'm breaking down a practical framework that organizes nearly every retirement income strategy into four distinct styles. Here's what you'll learn: → The 2 questions that shape nearly every retirement income decision → The strengths and tradeoffs behind the 4 most common retirement income strategies → A simple 3-step process for building a plan around your own priorities There may not be one "best" retirement income strategy for everyone. But understanding the tradeoffs can help you build a plan you have the confidence to follow through market declines, changing spending needs, and decades of retirement. ***

What exactly is “boomer candy,” and why is Wall Street talking about it? On the Money Matters Podcast, Wes Moss and Connor Miller break down specialty ETFs, retirement income, diversification, inflation, and what history may teach us about staying invested. ·       Explore why high-income specialty ETFs seem to be catching the attention of investors looking for income and potential downside protection. ·       See how ETFs may have evolved from simple, low-cost funds into increasingly complex products with new strategies, costs, and risks. ·       Follow the trend in derivative ETFs, which have grown from under $100 billion to roughly $600 billion in assets. ·       Unpack how high-income S&P 500 ETFs may use options to pursue monthly income and manage volatility. ·       Compare specialty ETFs with buffered and barrier notes, including a noticeable difference: potential counterparty risk. ·       Visualize specialty ETFs as financial burritos—layers of investment strategies wrapped together in one package. ·       Consider where specialty ETFs may fit as a supplement to a diversified portfolio rather than the main course. ·       Revisit the supposed “death of the 60/40 portfolio” after 2022 and see what history may add to the debate. ·       Discover what decades of market data may suggest about stocks, bonds, and balanced portfolios across different holding periods. ·       Check the latest inflation, CPI, and interest rate trends and what they may mean for the Federal Reserve and financial markets. Listen and subscribe to the Money Matters Podcast for a lively, educational look at investing, retirement planning, ETFs, and the markets. 

Will you give yourself permission to fully enjoy your nest egg? Many retirees spent years saving to enjoy this chapter of their lives, but when they finally get there, a lot of them hold back. Of course, lavish spending can be a problem in retirees' golden years. But so can not spending enough! New Morningstar research has found retirees often withdraw their money very conservatively, even when they're not especially afraid of running out of money. As a result, they might deny themselves a dream vacation or trying new hobbies. So, what's behind it, and how can you learn to spend more in retirement and still live within your means? One of the researchers is Dr. Danielle Labotka, who's a behavioral scientist for Morningstar. Is Your Cautious Retirement Spending Doing More Harm Than Good? On this episode: 00:00:00 Welcome 00:01:02 Why Morningstar researchers studied retirement underspending 00:02:28 How retirees decide how much to spend 00:03:23 Why simple withdrawal strategies generally lead to underspending 00:04:42 What typically happens to retirees' wealth over time 00:05:27 Why cautious spending persists even when retirees can afford more 00:07:37 Three ways to tell if you're underspending in retirement Watch more from Morningstar: Why Do Active Funds Lag Even With Winning Picks? Target-Date Funds With Annuities Are Gaining Ground. Is That Good for Your Retirement Plan? AI ETFs Are on the Rise. Are They Worth the Risk?   Follow Morningstar on social:  Facebook: https://www.facebook.com/MorningstarInc/  X: https://x.com/MorningstarInc Instagram: https://www.instagram.com/morningstarinc/  LinkedIn: https://www.linkedin.com/company/morningstar/   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The internet is full of bad advice. In this episode, I look at what Canadian retirees actually live on and whether RRSP withdrawals really push most seniors into Canada's highest tax bracket. Using CRA and Statistics Canada data, I explain typical seni...

Fresh from passing the CFP exam, Roxy Butner joins Tom to work through a classic retirement fork: take the richer lifetime teacher pension, or accept a $315,000 lump sum and invest it. The math matters, but so do longevity, survivor benefits, liquidity, investing temperament, and the temptation to spend the pile.Next comes a clever tax-payment question: can IRA withholding replace quarterly estimated payments during Roth-conversion years? They explain why paying conversion taxes from taxable money usually preserves more long-term value.The show closes with a 5.25% mortgage-versus-investing decision and a portfolio x-ray that finds a dividend-heavy international fund missing small companies, value stocks, and emerging markets.00:58 Roxy passes the CFP exam02:46 Teacher pension or $315,000 lump sum?08:36 Rolling a pension lump sum to an IRA09:33 IRA withholding versus estimated taxes13:48 Pay off a 5.25% mortgage or invest?17:34 Fixing an under-diversified retirement portfolio21:50 Living—and spending—with a sound planQuestions? Comments? Click!

62 With $500K: Should You Claim Social Security Early or Wait? If you're 62 years old with $500,000 saved for retirement, one of the biggest questions you'll face is:Can I retire now... and should I claim Social Security at 62 or wait?

One of the most common questions that we hear from our clients isn't whether they've saved enough; it's whether their savings can actually provide the income they need to live the retirement they've envisioned. Building wealth during your working years is one challenge, but turning those assets into a reliable paycheck is where a comprehensive retirement plan becomes essential. In this episode, Keith Ellis Jr. is joined by Certified Financial Planner (CFP®) and Certified Tax Specialist (CTS™), Chris Willis, to discuss how retirement income planning goes far beyond simply withdrawing money from an investment portfolio. They explain how understanding your expenses is the foundation of every retirement plan, how different income strategies can fit different personalities and goals, and why no single approach works for every retiree.  They also break down the strengths and tradeoffs of guaranteed income, dividend-focused investing, and SHP's bucket strategy for generating retirement income. You'll also learn how income planning fits into SHP's comprehensive retirement strategy that includes investments, taxes, healthcare, and estate planning.  In this podcast interview, you'll learn: Why retirement income planning begins with understanding your lifestyle expenses. How guaranteed income, dividend investing, and bucket strategies each serve different goals. Why there's no one-size-fits-all approach to generating retirement income. How balancing safety, income, and growth creates a more resilient retirement plan. Why tax planning should influence your retirement income strategy. How a personalized retirement plan can help you retire with greater confidence. Want the Full Show Notes? To get access to the full show notes, including audio, transcripts, and links to all the resources mentioned, visit SHPfinancial.com/podcast Connect With Us on Social Facebook LinkedIn YouTube

On this episode of Williams Mullen's Benefits Companion, host Brydon DeWitt explores retirement deaccumulation and why helping employees save for retirement is only part of the equation. Brydon discusses the income side of retirement planning, including how participants may turn accumulated savings into sustainable retirement income, what plan sponsors should consider when evaluating retirement income solutions, and why education, communication and fiduciary process matter as the retirement income landscape continues to evolve.

Is whole life insurance really as bad or as good as people claim? Tom Wall, PhD in retirement income planning examines 100 years of historical data to challenge common assumptions about whole life insurance, retirement planning, risk, and portfolio construction. Learn how whole life compares to traditional fixed-income investments, why it may improve financial flexibility, and where it fits in a modern financial plan. Watch the Interview on Youtube for Visuals - https://youtu.be/BCbeUOk5mXoWant to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarity Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Want To 10X Your Life Insurance Sales? Learn More About Whole Life Masterminds: https://www.wholelifemasterminds.com/ Learn More About BetterWealth: https://betterwealth.com Chapters: (0:00) Introduction: The Whole Life Debate (0:33) The Financial Adviser's Crisis of Confidence (3:36) The End of the Bond Bull Market (5:36) The History & Purpose of Mutual Insurers (7:09) Human Capital vs. Financial Assets (8:06) Do You Need Permanent Insurance? (9:15) Anatomy of a General Investment Account (10:29) How Dividend Interest Rates are Determined (12:31) Eliminating Risk through Insurance Guarantees (14:03) Improving Portfolio Efficiency: The Sharpe Ratio (16:24) The Two Hurdles: Qualification and Patience (16:40) Understanding Cash Value Growth Illustrations (19:15) The Art of Positioning Whole Life Insurance (21:54) Strategic Financial Leadership for Clients (26:07) Retirement Income Planning: "Can I Take It?" (28:53) The Puzzle of Retirement Income (29:51) Redefining ROI: Return on Income (31:32) Advanced Planning: Replacing Hoarded Wealth (33:33) Summary: The Strategic Asset for Financial Security 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.

What if playing it too safe in retirement could create a risk of its own? On this episode, Kevin Madden explores the balance between protecting retirement savings and maintaining growth potential. He discusses market risk, inflation, guaranteed income strategies, Social Security uncertainty, and why having a retirement plan matters more than reacting to headlines or market swings. The conversation also tackles the limitations of the traditional 4% withdrawal rule and highlights the importance of turning scattered savings into a coordinated retirement income strategy. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

Most people believe with no job their tax bill will go down in retirement. That is not always true. The question is, what can you do about it? 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.

How long could your retirement last, and is your plan built for that possibility? On this episode, Frank Guida and Frankie Guida discuss the growing importance of planning for longevity and turning retirement savings into sustainable income. They explore how Social Security decisions, tax planning, investment management, and spending strategies can influence retirement lifestyles. The conversation also highlights the value of having a defined income plan rather than relying solely on account balances. Learn how retirees can evaluate their resources, spending needs, and long-term goals to better understand the road ahead . 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.

Are you overlooking retirement planning opportunities simply because it’s not the end of the year? On this episode, Abe Abich discusses why a mid-year financial checkup can be an important part of staying on track. He covers retirement contribution limits, managing excess cash, reviewing spending and income plans, evaluating tax opportunities, checking Social Security records, and updating beneficiary and estate planning documents. Abe explains how regular reviews can help align your retirement strategy with changing goals, market conditions, and life events before year-end deadlines arrive. 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 happens if retirement arrives years earlier than planned? This episode explores the financial decisions that can follow an unexpected job loss, including how to bridge income gaps, evaluate Social Security timing, and navigate healthcare options. Nolan Baker also breaks down the backdoor Roth IRA strategy and the tax pitfalls that can catch investors off guard. Plus, learn why more retirees and advisors are considering annuities for dependable income, and why a simple buy-and-hold approach may create risks during retirement. The discussion focuses on coordinating income, taxes, investments, and retirement planning decisions when timing and strategy matter most. 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 that you can enjoy financial confidence and peace of mind.See omnystudio.com/listener for privacy information.

Think taking Social Security early is always the smartest move? Think again. In this episode, Mike Canet breaks down why Social Security claiming strategies are far more personal than most people realize. From life expectancy and income needs to legacy goals, taxes, Roth conversions, and pension decisions, Mike explains why there is no one-size-fits-all answer. Using real-world examples, he shows how the right claiming strategy depends on how every piece of a retirement plan fits together. If you're weighing when to claim Social Security, this conversation highlights the factors that deserve a closer look. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights:

Strategic Wealth Hour Retirement Income 8-8-26 by

Will the retirement wave of baby boomers reshape the markets, or is the bigger challenge creating income that lasts? Steve Anzuoni discusses why retirement planning may be about more than market performance, including longevity, withdrawal strategies, inflation, risk management, and the importance of balancing growth with dependable income. They explore concerns surrounding the 4% rule, planning for longer lifespans, market volatility, and the value of reviewing retirement plans as life changes. The conversation focuses on building a retirement strategy designed to adapt through changing markets and changing personal circumstances. 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.

Helping clients create dependable retirement income has become one of the biggest challenges financial professionals face as pensions continue disappearing. In this episode, Jeremy Houser welcomes Grant Kvalheim, CEO of Athene to discuss how the retirement income industry is evolving. Grant shares Athene’s approach to long-term growth, transparency, product innovation, and private credit investing while explaining why lifetime income continues to become a larger part of retirement planning.  He also explores opportunities to improve the annuity experience for consumers and financial professionals, along with the leadership principles that have helped guide Athene’s continued growth. Key takeaways: How lifetime income solutions are evolving as fewer workers retire with traditional pension benefits. Why private credit plays an important role in supporting competitive retirement income products today. How transparency, financial discipline, and long-term planning influence Athene’s business decisions. Why improving the consumer and advisor experience can expand access to retirement income products. How leadership, vision, and continual innovation support sustainable growth over many years. And more! Connect with Grant Kvalheim: LinkedIn: Grant Kvalheim Website: Athene Athene for Producers Connect with Jeremy Houser: jeremy.houser@simplicitygroup.com  713-808-8548 Schedule a Call Our Teams Website Connect with Jeremy @jeremyhouser_amp @jeremyhouserAMP About Our Guest: Grant Kvalheim is CEO of Athene, where he is responsible for expanding market share, prioritizing innovation, entering new markets and leading the company through its next phase of growth. As CEO, he serves on Athene’s board and is a member of the Executive Committee. Grant joined Athene in January 2011 as its CFO and later served as President, a role he held until July 2025. As President, Grant was responsible for running the company’s U.S. operations with a focus on growing organic origination. In that capacity, he led Athene’s entry into the U.S. annuity business, where it has become the market leader. He also developed Athene’s Funding Agreement program, where Athene is the largest issuer, and guided Athene’s Pension Group Annuity franchise. Prior to joining Athene, Grant was Co-President of Barclays Capital, where he grew the European investment-grade credit business into a leading global credit franchise. Earlier in his career, he held senior executive positions in the investment banks of Deutsche Bank and Merrill Lynch. Grant holds a B.S. degree in economics from Claremont McKenna College, and an M.B.A. in finance from the University of Chicago. Grant currently serves on the board of directors of the American Council of Life Insurers, Great Outdoors Foundation, SolHealth, Mottahedeh & Co., Inc., and a member of the Geneva Association. Disclosure #: 5717541 – 0726

Can you afford to retire, or are you asking the wrong question? On this episode, Mike Douglas outlines three key tests that can help evaluate retirement readiness. He discusses whether your income can support your desired lifestyle, how well your plan can handle challenges such as inflation, market volatility, healthcare costs, and longevity, and why emotional preparedness is just as important as financial preparedness. Learn why retirement may be less about reaching a specific number and more about creating a plan that aligns with the life you want to live. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

What if retirement feels out of reach, but the real challenge is having a plan? Steve Hoyl and Derrick Caldwell discuss why many Americans believe they’ll work indefinitely, and how factors like income planning, budgeting, taxes, Social Security, Medicare, and investment strategy can shape retirement decisions. They share real-world examples, explain the value of understanding your options, and explore why retirement planning is often as much about behavior and preparation as it is about numbers. The conversation also highlights common obstacles, including debt, tax surprises, and uncertainty about what retirement should look like. Get Your Complimentary Retirement Analysis Social Media: Facebook | XSee omnystudio.com/listener for privacy information.

This episode focuses on a question that follows many professionals in academic medicine, healthcare, and research: “Can I actually retire?” Jon Gay and Amy Walls explain that the stress behind this question often does not come from a lack of money. It comes from a lack of visibility. Retirement accounts, pensions, 403(b)s, 457 plans, IRAs, and Social Security all produce separate statements. But none of those statements show how everything works together. That leaves people with pieces of information, but not a complete picture. Amy explains that the common instinct is to start with a number. People want to know how many millions they need before they can retire. But a number by itself does not answer the real question. Retirement planning has to start with life. What does life cost right now? What expenses will go away after retirement? What expenses have been postponed for years and will finally appear? For people whose identity is closely tied to their work, retirement can also feel like a loss before it feels like freedom. That makes it important to define the next chapter before deciding what financial number is enough. Retirement planning is more complicated for people in healthcare academia. A pension can be the centerpiece, but it often requires an irreversible decision between lifetime monthly income and a lump sum. That decision depends on health, a spouse, other income, investment accounts, and taxes. Amy also explains that 457 plans are often misunderstood. Governmental 457 plans can usually be accessed after separation from service without an early withdrawal penalty, while non-governmental plans work differently. That difference can change the order in which accounts should be used. Real confidence comes from testing the plan. Retirement readiness should not stay a feeling or a hypothesis. The plan needs to be stressed against hard questions. What happens if the market drops 30 percent in year two? What if someone lives to 97? What if long-term care is needed? When the plan still works under pressure, the question shifts from “Am I ready?” to “I am ready.” We share the example of a physician researcher who believed she was behind because her peers in private practice had built business equity. Once her full financial picture was mapped against her actual life and goals, she was comfortably on track. Nothing changed financially in that conversation. What changed was her relationship to the information. A retirement plan is not a one-time snapshot. Life changes, tax laws shift, markets move, and planning needs a rhythm. Annual reviews and updates help keep the plan connected to real life. The relief does not come from hitting a magic number. It comes from finally seeing the whole picture. (00:00) Intro (00:54) Why retirement uncertainty is really about visibility, not just money (02:31) Why starting with a “magic number” is usually the wrong approach (02:50) How to build retirement planning around actual life costs (03:25) Why retirement can feel like a loss before it feels like freedom (04:05) How pensions, 403(b)s, and 457 plans need to be viewed together (07:15) How stress testing turns “Am I ready?” into “I am ready” (10:06) Why retirement planning needs regular review, not a one-time snapshot To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.The ThimbleberryU Podcast is produced by JAG Podcast Productions - https://jagpodcastproductions.com/

Retirement planning in Tulsa is shifting from simple savings goals to full-spectrum strategies covering income, taxes, healthcare costs, and legacy. Personalized guidance and emerging technology are helping pre-retirees build plans that actually last. To learn more, visit https://www.meliagroup.com/retirement-financial-planning/ Melia Advisory Group City: Tulsa Address: 5424 S Memorial Dr Website: https://www.meliagroup.com/

What if the keys to a stronger retirement plan have nothing to do with chasing the latest investment trend? From this past weekend’s radio show, Abe Abich explains why retirement fundamentals still matter most. He discusses the five pillars of retirement planning, turning savings into income, overcoming the fear of spending in retirement, planning for healthcare and unexpected expenses, and revisiting common retirement rules that may no longer apply. Abe also shares real-world examples of how retirees can focus on income, taxes, risk management, and long-term planning rather than reacting to headlines. 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 happens when your retirement plan stays the same while everything around you changes? From this past weekend’s radio show, Mike Douglas explains why retirement planning should evolve as markets, tax laws, healthcare needs, and personal goals change over time. He discusses the value of regular plan reviews, adapting income and tax strategies, and preparing for life’s unexpected turns. Mike also examines portfolio concentration risk, diversification, and why many investors may be more exposed to a handful of stocks than they realize. A flexible retirement roadmap can help keep financial decisions aligned with changing priorities. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

Mark Falter, Retirement Income Hour | 8-7-26See omnystudio.com/listener for privacy information.

Retire at 55: The Complete Retirement Strategy Plan In this video, we walk through a full retirement plan for someone leaving the workforce at 55, including how to create reliable income, manage investments, plan for healthcare before Medicare, reduce future taxes, and make your savings last throughout retirement.

Hour 1 of The Mark Reardon Show begins with a discussion surrounding the elections last night. David Barklage, GOP Political Strategist, joins the show to discuss the results from last night's primary elections. Josh Kraushaar, 97.1 Political Insider, Editor in Chief of the Jewish Insider, and Political Analyst for FOX News Radio, joins the show to discuss Abdul El-Sayed's big primary win in Michigan, and Cori Bush's loss in St. Louis. Hour 2 begins with Mark discussing the scare tactics on social media regarding the elections. We hear today's edition of Sue's News! Steve Ehlmann, St. Charles County Executive, joins the show to discuss his big win last night over Bill Eigel and Jason Law. Bob Kershaw from the Retirement Advisory Group joins to talk about their upcoming retirement seminar. Hour 3 begins with Duane Patterson, with HotAir.com and Host of Duane's World Podcast, who joins the show to discuss all things political. Missouri voted to keep the income tax, Cori Bush loses to Wesley Bell and more! We also hear from Dennis Hancock, St. Louis County Councilman and GOP Nominee for County Executive, who joins the show to discuss facing off against Jake Zimmerman in November. We finish the show with our Audio Cut of the Day!

Could you already be ready to retire and not know it? Damon Roberts and Matt Deaton explain why a financial plan can reduce uncertainty and help people understand where they truly stand. They discuss income planning, Social Security, pensions, retirement timing, and creating a paycheck-like income stream after work ends. The conversation highlights how having a strategy can help replace guesswork with clarity as retirement approaches. 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.

Could a Roth conversion reduce future tax exposure, or create unexpected costs today? In this episode, Frankie Guida explains the pros and cons of Roth conversions, including tax-free retirement income, required minimum distributions, tax diversification, and estate planning considerations. He also discusses potential drawbacks such as upfront tax bills, Medicare impacts, income thresholds, and timing considerations. Learn how Roth conversions fit into a broader retirement strategy and why evaluating your personal circumstances is an important part of the decision-making process. 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 the biggest retirement risks aren’t market crashes, but the decisions you make just before retirement? Financial advisor Nolan Baker explains why the five years leading up to retirement can be critical for protecting your nest egg. He discusses sequence of returns risk, when target-date funds may need a second look, how annuities can fit into an income strategy, and why a coordinated retirement plan matters. The conversation also explores Social Security timing, using savings to bridge income gaps, healthcare and tax considerations, and ways to create a smoother, more predictable retirement journey without relying on guesswork. 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 that you can enjoy financial confidence and peace of mind.See omnystudio.com/listener for privacy information.

Could a former spouse’s Social Security record impact your retirement income options? In this episode, Abe Abich discusses Social Security benefits for divorced individuals, including who may qualify, key eligibility requirements, how claiming benefits affects an ex-spouse, and what happens if an ex-spouse has not yet filed. He also explores survivor benefits and common misconceptions that can lead people to overlook available options. Learn about the rules surrounding divorced spouse benefits and why understanding them can be an important part of retirement planning. 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.

Your retirement calculator says you're on track, but what if it's missing the factors that matter most? This episode explores the limitations of online retirement calculators, AI tools, and probability-based projections that can make retirement readiness seem simpler than it is. Ryan Herbert and Lawrence Kiely discuss how market timing, taxes, income planning, inflation, lifestyle changes, and unexpected life events can impact retirement outcomes. Learn why a personalized retirement strategy goes beyond projections and how building a plan around your unique goals, spending needs, and income sources can provide greater clarity as you prepare for retirement. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights:

Can artificial intelligence really help you plan for retirement, or is it missing the most important part of the conversation? Steve Anzoni explores a recent study showing how AI-generated financial guidance can vary widely and explains why retirement planning requires more than algorithms and generic answers. He discusses the value of personalized advice, Social Security decisions, Medicare considerations, tax planning, and his "Buckets of Wealth" approach to managing income, inflation, emergencies, and lifestyle spending in retirement. Plus, a look at the risks of sharing sensitive financial information with AI tools and why human guidance still matters. 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.

Could your retirement plan be taking more risk or creating more taxes than you realize? From this past weekend’s radio show, Abe Abich discusses why investors nearing retirement should be cautiously optimistic during market highs, the importance of a mid-year financial review, and how retirement planning differs from the accumulation years. He also explains common 401(k) misconceptions, withdrawal strategies, tax considerations, and ways retirees can evaluate income, protection, and diversification as they 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.

Brian Decker and Marc Knauss, CFP®, open the second half of 2026 with a look at what a strong market means for people at or near retirement. They cover the difference between accumulation planning and distribution planning, why trailing price-to-earnings valuations matter historically, and how momentum and dividend strategies have behaved in past flat market cycles. The conversation moves through interest rate risk and why Decker Retirement Planning does not use bond funds in client portfolios, then walks through how short-term, medium-term, and long-term dollars can be structured differently based on when the money is needed. The second half turns to taxes: 401(k) and catch-up contributions, health savings accounts, 529 plans funded by grandparents, estate tax exposure in states like Washington, and depreciation on rental real estate. The episode closes with the math behind drawing retirement income from fluctuating accounts, including a look at the history of the 4% rule. Learn more at DeckerRetirementPlanning.com or call 833-707-3030. Investment advisory and insurance services offered through Decker Retirement Planning, Inc., a registered investment adviser. Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims-paying ability of the issuing carrier. This episode is for informational purposes only and does not constitute tax, legal, or individualized investment advice.

Active fund managers have a new explanation for years of underperformance: index funds have made their old job harder. Don and Tom examine that award-winning excuse, revisit how indexing reshaped the business, and return to the stubborn arithmetic—when active management charges more, matching the market still means losing to it after fees.Listener questions widen the lens. A UK investor wants to move from 60/40 to 50/50 without taking needless currency risk, while a family needs a sensible plan for a $200,000 windfall, a near-term car purchase, Roth contributions, and the money left for a brokerage account.The show closes with a federal retiree's TSP allocation and a critique of an AI-built income portfolio stuffed with dividend funds. The throughline is simple: start with the job the money must do, favor total return over yield theater, and keep the plan easier to understand than the sales pitch.00:33 AI jingles on demand02:31 Active managers blame index funds08:34 A Social Security benefit wrinkle10:00 A UK investor moves from 60/40 to 50/5016:11 Planning a $200,000 windfall and car purchase20:20 A federal retiree's TSP choices22:59 AI builds a dividend-income portfolio28:24 The jingle experiment continuesQuestions? Comments? Click!

Chris’s Summary Jim and I continue our discussion on the Fun Number, this time tackling what comes out first and how we plan for covering retirement income gaps. We look at funding both the delay period and post-delay period, including how a SPIA quote helps determine how much to set aside today to close a future gap. We also address aging and long-term care, and the smaller, less common carve-out for a guaranteed inheritance tied to a special needs dependent. Jim’s “Pithy” Summary Chris and I pick up the Fun Number conversation right where we left off, and this time we’re finally cracking open the toy box to show you what has to come out before anything gets set aside for fun. I still say it best with the seesaw: younger you on one side, older you on the other, and every dollar you carve out first is a promise you’re making across that fulcrum. We walk through the delay period, those years before your Social Security or pension is fully turned on, and why we don’t discount those dollars down the way you might expect. Then Chris shifts to the post-delay period, pulling a real annuity quote to price out a future income gap and translating that future need into a present-day number using our See Through Portfolio thinking, so you can actually see which assets are spoken for and which ones aren’t. We talk through how to close retirement income gaps step by step, and I even work in my usual gripe about the crystal ball nobody’s built yet. From there we get into the harder, more emotional carve-outs, the ones tied to aging, long-term care, and in some cases a guaranteed inheritance, before circling back to what’s actually left over for you to enjoy. There’s a reason people tend to want to spend now rather than reserve for later, and we talk about why that instinct is so hard to fight. Next week Jacob joins us to talk through how we actually invest each of these positions, so consider this the setup for that conversation. The post Covering Retirement Income Gaps: EDU #2630 appeared first on The Retirement and IRA Show.

You Have $250K Saved—Now What? (5-Minute Retirement Plan)Have $250,000 saved for retirement and wondering what to do next? In this video, I'll walk you through a practical 5-minute retirement plan to help you make smart decisions about your savings.We'll cover:How much retirement income $250,000 could realistically provideCommon mistakes that can cause retirees to run out of moneyWhich accounts to withdraw from firstHow Social Security fits into your planSimple strategies to help your retirement savings last longer**Schedule your free virtual consultation

In this episode of Broadcast Retirement Network, we bring together leading voices on retirement income strategy and fiduciary considerations. Guests include John Schembari, Kutak Rock, Ed McIlveen, CFA, Francis, LLC, and Robert Scherzer, AIF of World Investment Advisors. We discuss what employers and fiduciaries should weigh when introducing (or evaluating) guaranteed lifetime income features within defined contribution plans—balancing participant needs, plan design, and real-world implementation realities.

What if the biggest retirement risk isn’t the market—but how you think about it? Jackie Campbell explores the difference between investing and retiring, why concentration in popular tech stocks can create hidden risks, and how confidence, income, taxes, and legacy planning all fit into a successful retirement strategy. 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 your retirement plan withstand a 40-year retirement? This episode explores why longevity is changing the way people need to think about income, cash flow, and financial security in retirement. Kevin Madden discusses planning beyond age 95, managing inflation, creating reliable income streams, adapting to changing financial conditions, and building a retirement roadmap that helps organize withdrawals, taxes, legacy goals, and spending priorities. Plus, lessons from Rob Gronkowski's disciplined approach to money and how retirees can think about balancing savings, income, and lifestyle. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

Retirement may be the biggest trip of your life—but have you planned the journey or are you hoping everything works out when you arrive? In this episode, Brandon Bowen explains why retirement planning requires more than simply reaching a savings goal. The conversation covers Social Security timing, tax strategies, investment allocation, retirement income planning, and common blind spots that can catch retirees off guard. Learn how having a well-defined retirement roadmap can help you evaluate key decisions before leaving the workforce and why preparation often matters as much as the destination itself. 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.

Could your portfolio already own one of the market’s hottest companies without you knowing it? Art McPherson discusses SpaceX, portfolio diversification, annuities, retirement income strategies, and market momentum. Plus, Art shares stories from spending time with Bill Murray at the Caddyshack charity golf tournament. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Could an ex-spouse’s Social Security record increase your retirement income options? In this episode, Frankie Guida breaks down the rules surrounding divorced spouse Social Security benefits, including who may qualify, how the 10-year marriage rule works, and whether claiming benefits affects an ex-spouse. The conversation also covers filing requirements, survivor benefits, remarriage considerations, and common questions that often create confusion during retirement planning. If Social Security is part of your retirement strategy, understanding these lesser-known provisions can help you make more informed decisions. 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.

Do you really need $1 million—or more—to retire comfortably? In this episode of Winning Retirement, Greg and Kristen break down a recent Investopedia study estimating that the average American couple needs $1.16 million for retirement and explain why there's no universal retirement number. They discuss the limitations of the 4% withdrawal rule, why market timing can make or break a retirement plan, and how unexpected expenses like healthcare, home repairs, and vehicle replacements can quickly change your financial picture. You'll also learn why focusing on your retirement income gap—instead of an arbitrary savings goal—can provide greater confidence and long-term financial security. Whether you're approaching retirement or already retired, this episode explains how personalized income planning, liquidity for life's surprises, and strategies for long-term growth can help create a more resilient retirement plan. Topics covered: Do you really need $1 million to retire? Why the 4% withdrawal rule isn't one-size-fits-all How market volatility affects retirement income Planning for unexpected retirement expenses The importance of guaranteed income and liquidity Why retirement planning should be based on your lifestyle—not national averages See omnystudio.com/listener for privacy information.

Could one financial decision undo decades of retirement savings? JoePat Roop discusses why chasing headlines, market trends, and shiny investment opportunities can distract from what matters most. From Social Security strategies to 401(k)s, taxes, healthcare costs, and retirement income planning, he explains why a comprehensive plan beats speculation. 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.

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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