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Most retirees who make this mistake aren't reckless. They're careful. They're doing what they believe is responsible, and that's what makes it so painful to see when it backfires.James explains why the same portfolio mistake is showing up more than ever, whether someone has managed their own investments for decades or relied on professional advice. Different paths, same outcome: a portfolio that isn't built around how money is actually used in retirement.With people living longer, retiring earlier, and markets remaining volatile, overly simplified portfolio advice has become a real risk. Through two real case studies, James shows how sticking with what worked during accumulation can expose retirees to sequence-of-returns risk, while default “safe” portfolios can quietly limit flexibility and opportunity when they're not tied to actual cash-flow needs.The takeaway is clear: retirement success doesn't come from being aggressive or conservative. It comes from alignment. When spending, timing, guaranteed income, and risk are understood first, portfolios can be built intentionally — using growth and protection as tools, not templates.The real risk in retirement isn't volatility. It's mismatch.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!
A $10 million retirement is often imagined as the finish line — complete freedom, unlimited spending, and no financial stress. The reality is more complex.James walks through what an eight-figure retirement actually looks like by examining a real planning scenario for a couple entering retirement with roughly $10 million in assets. Rather than focusing on luxury or excess, the conversation centers on how income, taxes, investment structure, and lifestyle decisions evolve once work stops and the margin for error gets smaller. At this level of wealth, the biggest challenge isn't running out of money. It's deciding how to use it well. James explains why many high-net-worth retirees struggle to define spending, how withdrawal rates change over time, why required distributions and taxes quietly reshape cash flow, and how Social Security, charitable giving, and estate planning become critical pieces of the overall strategy. The episode highlights an often-overlooked truth: wealth doesn't eliminate complexity — it shifts it. Confidence in retirement comes from alignment and intentional planning, not from chasing the largest possible ending balance.This episode is for anyone approaching retirement with significant assets who wants a grounded, realistic perspective on what a $10 million retirement actually involves.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!
As we close out 2025 and head into the New Year, we're sharing one final Best of episode before returning with new conversations in January. This week's replay is Alex's top pick from the year, a conversation that stood out for its relevance, insight, and the questions it generated from listeners. We'll be back soon with brand new episodes in 2026. Until then, Happy New Year, and thank you for being part of the Retire With Style community! Repost from Episode 174 In this episode of Retire with Style, Wade Pfau and Alex Murguia sit down with Dr. Daniel Crosby, a leading voice in behavioral finance, to unpack the psychological side of investing in today's volatile markets. Together, they examine how market swings and media noise shape investor behavior—and why having a thoughtful media diet and disciplined decision-making framework is more important than ever. This conversation lays the foundation for next week's episode, where the discussion will shift toward deeper questions of wealth and meaning. Listen now to learn more! Takeaways Market volatility can trigger anxiety—even among professionals. It's normal to feel fear during downturns, but those emotions don't have to drive your decisions. Limiting exposure to financial news may help you stay focused and make better choices. Recognizing the incentives behind financial media can help you consume it more critically. More information isn't always better—clarity often comes from less, not more. Patience matters. Reminding yourself that “this too shall pass” can be grounding. Uncertainty often causes more stress than bad news itself. Taking time to reflect before acting can lead to better financial outcomes. We tend to give others better advice than we give ourselves—pause and consider what you'd tell a friend. Automation and structured plans are powerful tools to reduce emotional decision-making. Chapters 00:00 Introduction to Behavioral Finance and Market Volatility 02:56 Understanding Market Reactions and Investor Psychology 06:01 The Impact of Media on Financial Decision Making 08:47 Navigating Uncertainty in Financial Markets 12:05 The Importance of Patience and Discipline in Investing 15:03 Frameworks for Better Financial Decision Making 17:55 Conclusion and Transition to The Soul of Wealth Links Click here to watch this episode on YouTube: https://youtu.be/6pMFE_-u0YM Explore the New RetireWithStyle.com! We've launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there's something you've been wondering about retirement, we want to hear it! The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/ This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean's free eBook, “Retirement Income Planning”
Most people think the safest path to retirement is to keep saving more, no matter how close they are to the finish line. But what if there comes a point where saving actually matters less, and investing well, living well, and spending with intention matter more?In this end-of-year episode, Ari shares why many near-retirees may need to rethink their instinct to “just keep saving.” He breaks down the surprising point where portfolio growth outweighs new contributions, why being “qualified-rich and cash-poor” can limit your freedom, and how over-saving can quietly eat into the healthiest, most meaningful years of your life. Through honest stories, real math, and a clear look at how 401(k)s, Roth IRAs, and brokerage accounts support early retirement, this episode challenges the belief that more saving is always better.If you're wondering when to stop maxing every account, when to shift dollars into a taxable “superhero” account, or how to balance retirement planning with actually enjoying your life right now, this conversation offers a different way forward — one rooted in confidence, not guilt.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.
Cotter Financial Group, LLC. is a community-based concierge-level retirement planning firm helping pre-retirees and retirees in the most critical phase of retirement known as the Retirement Red Zone. 10 years before and after retirement. They are a lifestyle-based planning firm. They do incorporate the numbers aspect while helping families and individuals plan for maximum enjoyment in retirement, while keeping in mind your values, relationships, and, more importantly, how people wish to spend their precious time. So whether they are in retirement, on the verge of or just starting to prepare, they will help get you ready for what matters most and take action with more confidence. Focus areas are:Retirement Income Planning – safe, predictable, and guaranteedLegacy Planning – maximize to whom and what is left to heirsWealth Transfer – tax-efficient transfer strategiesEstate Planning – Wills, Trusts, and Asset ProtectionSocial Security Optimization – claiming strategy guidanceWealth Management – safe and tax-efficient strategies for inflation riskLearn More: www.cotterfinancialgroup.comCotter Financial Group, LLC and Kinetic Investment Management, Inc. are two separate entities. Insurance products and services are offered and sold through individually licensed and appointed agents in all appropriate jurisdictions under Cotter Financial Group, LLC. Investment Advisory Services are offered through Kinetic Investment Management, Inc., a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-patrick-cotter-founder-of-cotter-financial-group-discussing-navigating-uncertainty-in-retirement
Cotter Financial Group, LLC. is a community-based concierge-level retirement planning firm helping pre-retirees and retirees in the most critical phase of retirement known as the Retirement Red Zone. 10 years before and after retirement. They are a lifestyle-based planning firm. They do incorporate the numbers aspect while helping families and individuals plan for maximum enjoyment in retirement, while keeping in mind your values, relationships, and, more importantly, how people wish to spend their precious time. So whether they are in retirement, on the verge of or just starting to prepare, they will help get you ready for what matters most and take action with more confidence. Focus areas are:Retirement Income Planning – safe, predictable, and guaranteedLegacy Planning – maximize to whom and what is left to heirsWealth Transfer – tax-efficient transfer strategiesEstate Planning – Wills, Trusts, and Asset ProtectionSocial Security Optimization – claiming strategy guidanceWealth Management – safe and tax-efficient strategies for inflation riskLearn More: www.cotterfinancialgroup.comCotter Financial Group, LLC and Kinetic Investment Management, Inc. are two separate entities. Insurance products and services are offered and sold through individually licensed and appointed agents in all appropriate jurisdictions under Cotter Financial Group, LLC. Investment Advisory Services are offered through Kinetic Investment Management, Inc., a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-patrick-cotter-founder-of-cotter-financial-group-discussing-navigating-uncertainty-in-retirement
As the year comes to a close, we're taking a moment to revisit a few of our favorite Retire With Style episodes from 2025. This week, we're replaying one episode that stood out in particular as Wade's favorite conversation of the year, based on both the discussion and the questions it sparked from listeners. We'll be back with brand new episodes after the holiday break. Thanks for listening this year, and we look forward to continuing the conversation in 2026. Repost from Episode 195 In this episode of Retire with Style, Wade Pfau and Alex Murguia talk with William Bengen, pioneer of the 4% rule in retirement planning. They explore the rule's evolution, how inflation and market valuations shape sustainable withdrawals, and Bengen's current recommendations. The discussion highlights the role of asset allocation, the importance of withdrawal strategies, and why ongoing monitoring is essential for a secure retirement. Takeaways William Bengen modernized retirement income planning with the 4% rule. Inflation is a critical factor in determining sustainable withdrawal rates. Market volatility can significantly impact retirement portfolios. A comprehensive withdrawal plan should consider multiple factors. Current recommendations suggest a withdrawal rate of around 5.5%. Asset allocation plays a vital role in retirement planning. Investors should consider a rising equity glide path strategy. Regular monitoring and adjustments to retirement plans are essential. High inflation can permanently elevate withdrawal amounts. The 4% rule is not a one-size-fits-all solution. Chapters 00:00 Introduction to Retirement Income Planning 01:14 The Birth of the 4% Rule 03:03 Understanding Withdrawal Rates 09:15 The Impact of Inflation on Withdrawals 12:45 Market Valuation and Its Effects 18:07 Current Withdrawal Rate Recommendations 21:10 Asset Allocation Strategies 24:04 Free Lunches in Investment Strategies 27:34 Key Takeaways from A Richer Retirement 31:15 Future Research Directions Links Get Bill Bengen's New Book – A Richer Retirement Want to dive deeper into the research behind the 4% rule and how retirement income planning has evolved? Bill Bengen's new book, A Richer Retirement, is now available—visit bengenfs.com to learn more and get your copy. Explore the New RetireWithStyle.com! We've launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there's something you've been wondering about retirement, we want to hear it! The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/ This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean's free eBook, “Retirement Income Planning”
Cotter Financial Group, LLC. is a community-based concierge-level retirement planning firm helping pre-retirees and retirees in the most critical phase of retirement known as the Retirement Red Zone. 10 years before and after retirement. They are a lifestyle-based planning firm. They do incorporate the numbers aspect while helping families and individuals plan for maximum enjoyment in retirement, while keeping in mind your values, relationships, and more importantly, how people wish to spend their precious time. So whether they are in retirement, on the verge of or just starting to prepare, they will help get people ready for what matters most and take action with more confidence. Focus areas are:Retirement Income Planning – safe, predictable, and guaranteedLegacy Planning – maximize to whom and what is left to heirsWealth Transfer – tax-efficient transfer strategiesEstate Planning – Wills, Trusts and Asset ProtectionSocial Security Optimization – claiming strategy guidanceWealth Management – safe and tax-efficient strategies for inflation riskLearn More: www.cotterfinancialgroup.comCotter Financial Group, LLC and Kinetic Investment Management, Inc. are two separate entities. Insurance products and services are offered and sold through individually licensed and appointed agents in all appropriate jurisdictions under Cotter Financial Group, LLC. Investment Advisory Services are offered through Kinetic Investment Management, Inc., a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-patrick-cotter-founder-of-cotter-financial-group-discussing-proactive-retirement-planning
Cotter Financial Group, LLC. is a community-based concierge-level retirement planning firm helping pre-retirees and retirees in the most critical phase of retirement known as the Retirement Red Zone. 10 years before and after retirement. They are a lifestyle-based planning firm. They do incorporate the numbers aspect while helping families and individuals plan for maximum enjoyment in retirement, while keeping in mind your values, relationships, and, more importantly, how people wish to spend their precious time. So whether they are in retirement, on the verge of or just starting to prepare, they will help get you ready for what matters most and take action with more confidence. Focus areas are:Retirement Income Planning – safe, predictable, and guaranteedLegacy Planning – maximize to whom and what is left to heirsWealth Transfer – tax-efficient transfer strategiesEstate Planning – Wills, Trusts, and Asset ProtectionSocial Security Optimization – claiming strategy guidanceWealth Management – safe and tax-efficient strategies for inflation riskLearn More: www.cotterfinancialgroup.comCotter Financial Group, LLC and Kinetic Investment Management, Inc. are two separate entities. Insurance products and services are offered and sold through individually licensed and appointed agents in all appropriate jurisdictions under Cotter Financial Group, LLC. Investment Advisory Services are offered through Kinetic Investment Management, Inc., a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-patrick-cotter-founder-of-cotter-financial-group-discussing-emotional-well-being-in-retirement
Cotter Financial Group, LLC. is a community-based concierge-level retirement planning firm helping pre-retirees and retirees in the most critical phase of retirement known as the Retirement Red Zone. 10 years before and after retirement. They are a lifestyle-based planning firm. They do incorporate the numbers aspect while helping families and individuals plan for maximum enjoyment in retirement, while keeping in mind your values, relationships, and, more importantly, how people wish to spend their precious time. So whether they are in retirement, on the verge of or just starting to prepare, they will help get you ready for what matters most and take action with more confidence. Focus areas are:Retirement Income Planning – safe, predictable, and guaranteedLegacy Planning – maximize to whom and what is left to heirsWealth Transfer – tax-efficient transfer strategiesEstate Planning – Wills, Trusts, and Asset ProtectionSocial Security Optimization – claiming strategy guidanceWealth Management – safe and tax-efficient strategies for inflation riskLearn More: www.cotterfinancialgroup.comCotter Financial Group, LLC and Kinetic Investment Management, Inc. are two separate entities. Insurance products and services are offered and sold through individually licensed and appointed agents in all appropriate jurisdictions under Cotter Financial Group, LLC. Investment Advisory Services are offered through Kinetic Investment Management, Inc., a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-patrick-cotter-founder-of-cotter-financial-group-discussing-emotional-well-being-in-retirement
Cotter Financial Group, LLC. is a community-based concierge-level retirement planning firm helping pre-retirees and retirees in the most critical phase of retirement known as the Retirement Red Zone. 10 years before and after retirement. They are a lifestyle-based planning firm. They do incorporate the numbers aspect while helping families and individuals plan for maximum enjoyment in retirement, while keeping in mind your values, relationships, and more importantly, how people wish to spend their precious time. So whether they are in retirement, on the verge of or just starting to prepare, they will help get people ready for what matters most and take action with more confidence. Focus areas are:Retirement Income Planning – safe, predictable, and guaranteedLegacy Planning – maximize to whom and what is left to heirsWealth Transfer – tax-efficient transfer strategiesEstate Planning – Wills, Trusts and Asset ProtectionSocial Security Optimization – claiming strategy guidanceWealth Management – safe and tax-efficient strategies for inflation riskLearn More: www.cotterfinancialgroup.comCotter Financial Group, LLC and Kinetic Investment Management, Inc. are two separate entities. Insurance products and services are offered and sold through individually licensed and appointed agents in all appropriate jurisdictions under Cotter Financial Group, LLC. Investment Advisory Services are offered through Kinetic Investment Management, Inc., a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-patrick-cotter-founder-of-cotter-financial-group-discussing-proactive-retirement-planning
Kevin Brucher discusses the intricacies of retirement income planning, emphasizing the importance of understanding income streams, the impact of inflation, and the role of annuities. He highlights the need for a comprehensive financial strategy to ensure long-term financial security, especially in the face of rising costs and economic uncertainty. The discussion also touches on government debt and its implications for future generations, urging listeners to be proactive in their financial planning. Call 800-975-6717. Visit Silver Leaf Financial to learn more.See omnystudio.com/listener for privacy information.
Looking for an educational overview of today's most commonly searched retirement planning topics? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase provide context around retirement income planning, tax considerations, and widely referenced financial frameworks, helping listeners better understand how these concepts are typically discussed. • Review how Roth IRA conversions are generally evaluated and why converting an entire retirement account balance in a single tax year can materially affect taxable income calculations. • Explain how marginal tax brackets apply to large conversions and why simplified terms like “tax bomb” may not fully reflect how tax liability is determined. • Highlight considerations associated with forgotten or inactive 401(k) accounts and why consolidation is often discussed from an organizational or administrative perspective. • Examine how withdrawal flexibility prior to Social Security eligibility is commonly framed when discussing early-retirement income planning. • Outline factors frequently reviewed when evaluating whether life insurance coverage remains appropriate as family and financial circumstances change. • Clarify how Secure 2.0 legislation outlines limited 529 plan–to–Roth IRA rollovers, including applicable statutory rules, eligibility criteria, and contribution constraints. • Compare the traditionally cited 4% withdrawal framework with alternative retirement income scenarios that include pensions or guaranteed fixed-rate income sources. • Discuss how “dry powder” reserves are often described using bond ETFs or money market ladders within retirement planning conversations. • Evaluate the role small- and mid-capitalization stocks may play alongside large-cap equities within diversified, long-term portfolio discussions. • Reframe home value benchmarks in an inflationary environment while noting why mortgage status is often considered when assessing retirement readiness. Listen and subscribe to the Retire Sooner Podcast for ongoing discussions that explore retirement planning concepts, market context, and long-term financial considerations. Learn more about your ad choices. Visit megaphone.fm/adchoices
In this episode of Retire with Style, Wade Pfau and Alex Murguia explore how Treasury Inflation Protected Securities, or TIPS, fit into a retirement income plan. They discuss when it may make sense to build a TIPS ladder, the challenge of predicting interest rates, and how TIPS compare with equities as tools for managing inflation risk. The conversation also addresses strategies for creating inflation-adjusted income, the role TIPS can play alongside Social Security, and how a TIPS ladder can support a Social Security delay bridge. Listen now to learn more. Takeaways TIPS are designed to protect against inflation in retirement. Timing is crucial when building a TIPS ladder for retirement income. Interest rates are unpredictable, making TIPS a safer choice now. Equities can provide growth but lack the guaranteed inflation protection of TIPS. Delaying Social Security can enhance retirement income security. Bond funds may not be the best option for retirement income planning. TIPS can help mitigate sequence of returns risk in retirement portfolios. A blend of TIPS and equities can optimize retirement income strategies. Interest rate risk is a significant factor when considering long-term bonds. Effective financial planning involves understanding the role of TIPS in a diversified portfolio. Chapters 00:00 Introduction to TIPS and Retirement Planning 02:44 Building a TIPS Ladder: Timing and Strategy 06:06 Understanding Interest Rates and TIPS 08:53 TIPS vs. Equities: Inflation Protection and Growth 11:46 Creating Inflation-Adjusted Income Streams 15:05 The Role of TIPS in Retirement Income 17:55 Bond Funds vs. TIPS: A Comparative Analysis 21:13 Social Security Delay Bridge and TIPS 24:00 Current TIPS Market and Yield Considerations 27:00 Final Thoughts and Holiday Wishes Links Explore the New RetireWithStyle.com! We've launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there's something you've been wondering about retirement, we want to hear it! The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/ This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean's free eBook, “Retirement Income Planning”
Most advisors start with one question: “What's your risk tolerance?”In retirement, that question might steer you in the wrong direction.In today's episode, Ari breaks down why traditional risk questionnaires fail, and the better framework that actually protects your lifestyle, your confidence, and the income you need to live well in retirement. You'll hear the story of a couple who rated their risk tolerance completely differently… and then changed their answers the moment markets dropped. That moment revealed the real problem: risk tolerance isn't stable, and it doesn't tell you what you truly need to know.Instead, Ari walks through a practical, back-of-the-napkin method for building a portfolio that fits your actual life, not a textbook. From identifying how much income you really need… to understanding how many years of “war chest” money can help you ride out downturns… to adjusting your allocation as your lifestyle shifts from go-go years to slower seasons. If you've ever wondered whether your portfolio is too risky, too conservative, or simply too cookie-cutter, this episode will give you the clarity you've been missing.In this episode:• Why risk tolerance changes with the market — and why that's a problem.• The question to ask instead of “What's your risk tolerance?”• How to determine the right mix of equities, bonds, and cash for your lifestyle.• Why retirement is a different game — and why singles, doubles, and consistency beat home runs.• A simple framework to help you optimize without overthinking.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.
Retirement and Life Insurance Expert explains why this may be the best environment in 80+ years to own whole life insurance. In this interview, Caleb Guilliams and PhD in Retirement Income Planning, Tom Wall, break down whole life vs IUL as a fixed-income/bond alternative, and why guarantees, volatility, taxes, and behavior matter more than chasing a few extra basis points of return. They also walk through how to think about internal rate of return (IRR), death benefit, chronic illness riders, and tax-free access to cash value as part of a holistic portfolio, not a stand-alone asset.Get Your Ticket to Tom's Event: https://faststartforum.comWant a Whole Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want Us To Review Your Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review______________________________________________ Learn More About BetterWealth: https://betterwealth.com====================DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.
Retirement used to mean slowing down. Now it can mean staying active, starting new projects, traveling more, and building a “second act” that’s actually fun. In this episode of The Road to Retirement, Steve Sedahl sits down with retirement planner Tripp Limehouse of Limehouse Financial to talk about what modern retirement really looks like—and what it takes to fund it. Want to learn more or schedule a conversation? Visit limehousefinancial.com or call 800-940-6979.See omnystudio.com/listener for privacy information.
This week's episode of Investing Simplified, hosted by Matt Sudol and Matt Mai of Price Financial Group, focused on the evolving landscape of interest rates, inflation, and their impact on personal finance as we approach the end of the year. The discussion emphasized the importance of reviewing cash holdings, savings rates, and mortgage options amid recent Federal Reserve rate cuts and volatile treasury yields. Matt and Matt explained how short-term interest rates have dropped more significantly than long-term rates, influencing products like money markets and CDs. They also highlighted the necessity of maintaining adequate emergency funds and actively checking the competitiveness of rates offered by banks, especially as mortgage rates and housing prices remain elevated.The show also dedicated time to retirement income planning, breaking down the five main sources: Social Security, pensions, IRA or 401(k) withdrawals, taxable brokerage income, and rental or business income. Strategies for maximizing benefits and making tax-efficient decisions—such as timing Social Security claims and considering qualified charitable distributions for required minimum IRA withdrawals—were discussed. Both Matt Sudol and Matt Mai reminded listeners of the importance of early planning, consulting qualified professionals, and taking advantage of complimentary consultations available.Navigating the world of finance can be overwhelming, especially when biased advice and outdated strategies cloud the path to financial success. That's why Price Financial Group Wealth Management created Investing Simplified — a podcast dedicated to demystifying the complexities of finance and investing. Join our experienced hosts and guest experts as they break down financial concepts into practical, actionable insights. Whether you're a seasoned investor or just getting started, Investing Simplified is your go-to resource for honest advice and proven strategies to help you build a confident financial future. Meet the Hosts: Matt Mai - CIO & Wealth Manager Matt Sudol - COO & Wealth Manager Bo Caldwell - CCO & Wealth Manager Tune in and take charge of your financial journey with clarity and confidence! Schedule A Complimentary Consultation
In this episode of Retire With Style, Alex and Wade answer listener questions on key retirement planning topics. They discuss penalty-free withdrawals from 401(k)s, the role of Roth conversions for both younger savers and retirees, and the distinctions between qualified and non-qualified accounts. They also examine how long-term demographic trends may influence market expectations and investment strategies in the decades ahead. Takeaways The rule of 55 allows penalty-free withdrawals from 401(k) plans if employment is terminated after age 55. Roth conversions should be considered based on current and future tax rates. It's important to fill your standard deduction to minimize tax liabilities. The after-tax safe withdrawal rate differs between account types due to ongoing taxes. Demographic trends are known and factored into market pricing over time. Diversification across asset classes remains a key strategy for long-term investment success. Understanding the implications of RMDs is crucial for tax planning in retirement. Financial planning software can help manage taxes and withdrawals effectively. Chapters 00:00 Introduction and Overview 03:01 Understanding the Rule of 55 10:56 Roth Conversions: Strategies and Timing 21:34 Tax Implications of Withdrawals 25:26 Demographic Trends and Market Predictions Links Explore the New RetireWithStyle.com! We've launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there's something you've been wondering about retirement, we want to hear it! The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/ This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean's free eBook, “Retirement Income Planning”
Stop letting your birthday decide your bond mix.That “age in bonds” rule feels safe, but it can quietly rob you of growth, freedom, and spending power.In this episode, Ari challenges the traditional 60/40 rule and shows how to build a smarter allocation based on your actual life, not your birth year. Using a real client story—a couple with $2 million in a 401(k), $85K in rental income, and $50K in part-time work—we explore how to balance risk, income, and long-term security without falling into the target-date trap.You'll hear:Why age-based rules and target-date funds often miss the markHow to define risk as losing purchasing power, not watching prices moveWhen higher equity can safely support early retirement dreamsHow to use part-time work, rental income, and Social Security to reduce bond dependenceTurning volatility into an advantage with Roth conversions and tax-smart rebalancingThe “five-year war chest” method for withdrawals without panic sellingIt's not about chasing returns, it's about funding freedom. Learn how to design your portfolio around the life you want, not the rule someone made decades ago.If this conversation helped you rethink your allocation, follow the show, share it with a friend, and leave a quick review.Ready to build a plan that aligns your investments, taxes, and cash flow? Visit https://www.rootfinancial.com/start-here/ to start your custom plan today.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.
The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs & Business Owners Bare It All
101 The Impact of AI and Labor Market Trends | Cary Sparrow, CEO of WageScape The Entrepenudist Podcast https://entreprenudist.com AI is transforming how companies hire, pay, and compete for talent and no one understands that shift better than Cary Sparrow, Founder and CEO of WageScape. In this episode of The Entreprenudist Podcast, Cary shares insights from decades of experience in engineering, the U.S. Navy, consulting, and technology leadership. He explains how data and artificial intelligence are reshaping recruiting, pay transparency, and the overall labor market. We dive into:
In this episode of Retire With Style, Wade and Alex talk with Beth Pinsker, author of My Mother's Money, about the realities of financial caregiving. Beth shares her experience managing her mother's finances during a health crisis, underscoring the value of preparation and clear legal documentation. The discussion covers the importance of establishing power of attorney, the practical challenges of budgeting for someone else, and the emotional strain that arises when court involvement becomes necessary. The episode offers listeners a straightforward look at why financial caregiving matters and what steps can help families prepare before a crisis hits. Takeaways Preparation is crucial; having legal documents in place can save time and money later. Power of attorney is essential for anyone over 18 to ensure decisions can be made on their behalf. Financial institutions have varying requirements for accepting power of attorney documents. Navigating a loved one's finances can be complicated without access to their accounts. Budgeting for someone else requires understanding their entire financial picture, including bills and accounts. The court experience for those without power of attorney can be lengthy and emotionally taxing. Many people underestimate the importance of estate planning, regardless of their financial status. It's important to normalize discussions about power of attorney and healthcare proxies among families. Planning ahead can prevent significant stress and financial burden during a crisis. Chapters 00:00 Introduction to Financial Caregiving 01:45 The Journey Begins: Beth's Personal Experience 04:11 Preparing for the Inevitable: Legal and Financial Steps 10:21 The Importance of Power of Attorney 16:20 Navigating Financial Institutions 25:32 Reverse Engineering the Budget 30:34 The Court Experience and Its Implications Links Find links to order Beth Pinkser's book, "My Mother's Money," at www.bethpinsker.com Explore the New RetireWithStyle.com! We've launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there's something you've been wondering about retirement, we want to hear it! The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/ This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean's free eBook, “Retirement Income Planning”
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today! What if your retirement income isn’t enough to keep up with your dreams—or inflation? In this episode, we explore why reliable income is more than just covering the basics. It’s about creating a financial foundation that supports the lifestyle you’ve worked hard for. From planning for rising costs to ensuring peace of mind, we break down strategies that help retirees enjoy their golden years without financial stress. Tune in for practical insights on building income that lasts and keeps pace with life’s changes. About America's Retirement Headquarters: We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind. Visit Us: 1700 Woodlands Drive, Maumee, OH 43537 Call Us: 419-794-3030 Learn More: ARHQ.comSee omnystudio.com/listener for privacy information.
The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs & Business Owners Bare It All
99 Business Brokerage & Exit Strategies for Contractors | Jonathan Buehler The Entrepenudist Podcast https://entreprenudist.com Thinking about selling your construction or home service business? In this episode, Jonathan Buehler, founder of Buehler Business Brokers, breaks down how to value, prepare, and sell your company for maximum profit. We discuss key strategies for exit planning, business valuation, and brokerage insights tailored to the construction trades and home service industries. Whether you're preparing for retirement or simply ready for your next chapter, this conversation helps you understand what drives business value and how to make your exit smooth and successful. --------------------------- About Jonathan Buehler Jon Buehler is the founder of Buehler Business Brokers, where he helps owners of HVAC, plumbing, electrical, and other home service companies sell their businesses with confidence. With over 16 years of experience spanning contracting, distribution, and manufacturing, Jon brings deep industry insight to every deal he manages. After nearly two decades in the trades, Jon transitioned into business brokerage in 2022, driven by a passion for helping business owners unlock the full value of their life's work. As both a Certified Business Intermediary (CBI) and Certified Exit Planning Advisor (CEPA), he guides clients through every stage of the sale process—from valuation and preparation to finding the right buyer and closing successfully. Jon has been recognized as a top business broker by the Business Brokers of Florida and the International Business Brokers Association, and he's a frequent speaker at national and regional trade events, including ACCA and FRACCA, where he educates contractors on building more valuable, sellable businesses. Based in Jacksonville, Florida, Jon lives with his wife Tiffany and their four kids. When he's not advising clients, you'll find him spending time with his family or helping business owners plan their next big chapter. ---------------- About the Host: Randolph Love III, is the Founder and President of, ShieldWolf Strongholds, a wealth protection company that specializes in providing Business Owners, Franchise Owners, and Retirees with high level Business Exit Planning, Retirement Income Planning, and Tax Free Cash Value Life Insurance education as a Certified IUL Master. He is a Partner and Consultant with The Franchise Consulting Company; one of the most renowned American owned franchise consulting companies in the world. He is the Author of the forthcoming Financial Literacy book, "The Miracle Money Vehicle: How To Make Money Make Babies;" which gives individuals and business owners a step by step guide on what they need to do to have the option to retire, or exit their current position in less than 5-10 years, with properly structured, and funded Trusts and Tax Strategies. Also, he is the host of, "The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs and Business Owners BARE IT ALL;" ranked in the TOP 10% of podcasts for Business Owners and Entrepreneurs by ListenNotes.com.
The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs & Business Owners Bare It All
100 How a Construction Worker Built a Fast-Growing SaaS Company The Entrepenudist Podcast https://entreprenudist.com From the construction site to the startup world, this episode of The Entreprenudist Podcast features Fabian Videla, CEO of Permit Rockstar Inc., who shares how he went from swinging hammers to scaling SaaS. He breaks down the real-world pain points that inspired him to build Permit Rockstar, a platform transforming how contractors navigate the permitting process. In this episode, we explore:
A single misunderstanding about Social Security spousal benefits can cost couples thousands over retirement. This episode unpacks the real math behind how Social Security treats spouses, ex-spouses, and survivors, so you can make smart claiming decisions that protect both cash flow and long-term security.Listen to learn how the spousal benefit actually works: it's based on 50% of the primary earner's full retirement age benefit, not when they file. We walk through clear examples showing who qualifies, how marriage length and divorce rules apply, and when a lower earner can switch from their own benefit to a larger spousal amount.James also separates spousal from survivor benefits—because they're not the same thing. Survivor checks can reach up to 100% of what the deceased earned, which makes timing even more critical for the higher earner. You'll hear how early filing, delayed credits, and coordination with 401(k) withdrawals or Roth conversions all play into your bigger retirement income plan.The goal: help couples see Social Security not as a guessing game, but as one of the most flexible (and misunderstood) tools for creating reliable income.If you're planning around two benefit records, a stay-at-home spouse, or a late-career divorce, this episode will clarify your options and help you avoid the traps that quietly shrink your lifetime income.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!
The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs & Business Owners Bare It All
97 What Every Entrepreneur Should Know About Sales, and Business Growth The Entrepenudist Podcast https://entreprenudist.com On this episode of The Entreprenudist Podcast, we sit down with Samir Maignan, President of Public Trust Mortgage LLC, to unpack the evolving relationship between business, technology, and human connection. From the rise of AI and social media in modern business to understanding why sales are truly a process, not a one-time event, Samir shares valuable insights every entrepreneur and business owner should hear. Drawing from his deep experience in the mortgage and financial services industry, he breaks down how today's business leaders can stay grounded, adapt fast, and thrive in an ever-changing economy.
This is the third and final installment of our discussion with Brett Layton, which explores key updates to tax laws, including estate tax limits, the alternative minimum tax, expanded uses of 529 plans, new “Trump accounts” for children's savings, and changes to clean energy credits and business taxes. It emphasizes the importance of understanding these updates for effective financial and tax planning. Takeaways Estate tax limits are increasing, providing more leeway for wealth transfer. Paying income taxes can strategically reduce your taxable estate. The estate planning community has been advocating for higher exemptions. 529 plans are evolving to cover a broader range of educational expenses. Trump accounts allow children to start saving without needing earned income. The government will contribute to Trump accounts for eligible children. Bonus depreciation for businesses has returned to 100%. The first $15 million of capital gains from qualified small business stock is tax-free. Understanding these tax changes is crucial for effective financial planning. The complexity of tax laws continues to increase, necessitating careful planning. Chapters 00:00 Estate Tax Changes and Implications 07:08 Alternative Minimum Tax and Its Impact 11:25 Expanded 529 Plan Eligibility 17:19 Introduction of Trump Accounts 29:42 Clean Energy Credits and Business Tax Changes Links Explore the New RetireWithStyle.com! We've launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there's something you've been wondering about retirement, we want to hear it! The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/ This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean's free eBook, “Retirement Income Planning”
Your greatest retirement risk isn't the market; it's living longer than you expect. Richard Rosso shares the Art of Retirement Income—how to enjoy your savings early in retirement while protecting your future lifestyle.
Your greatest retirement risk isn't the market; it's living longer than you expect. Richard Rosso shares the Art of Retirement Income—how to enjoy your savings early in retirement while protecting your future lifestyle.
In this episode of Retire with Style, hosts Alex Murguia and Wade Pfau are joined by CPA Brett Leyton to discuss the new tax provisions introduced in the One Big Beautiful Bill Act. The conversation covers essential topics such as federal income tax brackets, standard deductions, and various new below-the-line deductions that can benefit taxpayers, especially seniors. The episode delves into the complexities of tax planning, emphasizing the importance of strategic planning in light of the new legislation. Listeners will gain insights into how these changes can impact their financial planning and tax strategies moving forward. Takeaways Tax planning is crucial for all income levels. The complexity of tax rules requires comprehensive planning. New tax brackets simplify some aspects of tax planning. Standard deductions have significantly increased for 2025. Seniors can benefit from additional below-the-line deductions. Qualified business income deductions are now permanent. New deductions for tips and overtime pay are introduced. Auto loan interest deductions have specific requirements. Charitable contributions can be deducted even if not itemizing. Understanding phase-outs is essential for effective tax planning. Chapters 00:00 Introduction to Tax Planning and the One Big Beautiful Bill Act 02:54 Understanding Federal Income Tax Brackets 06:11 New Below-the-Line Deductions: Age 65 Plus 09:07 Qualified Business Income and Its Implications 11:51 Exploring Qualified Tips and Overtime Pay Deductions 14:59 Auto Loan Interest Deductions Explained 17:45 Charitable Contributions for Standard Deduction Filers 21:03 State and Local Tax Deductions: Changes and Challenges Links Explore the New RetireWithStyle.com! We've launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there's something you've been wondering about retirement, we want to hear it! The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/ This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean's free eBook, “Retirement Income Planning”
Mark has been helping individuals retire with confidence for over two decades. He is a passionate professional with a rich history of providing safe growth and advanced income strategies to help make sure his clients have an income they can't outlive. Working with top estate planning attorneys, Mark assists his clients with life insurance and long-term care planning alternatives to ensure legacy preservation for loved ones.Mark has been in the insurance business since 2000 and has held a Series 65 securities license since 1999. In 2018, Mark founded Wealth Management Strategies Financial Services LLC, an investment advisory and retirement solutions firm. Mark is also an Accredited Investment Fiduciary (AIF), which he earned by demonstrating knowledge of ethical behaviors that follow a fiduciary duty to his clients.Mark attended California State University at Northridge with a major in business management and a minor in marketing.Learn more: https://www.wmsretirementsolutions.com/Investments offered through WMS Financial Services LLC, a California registered investment adviser. AKA “WMSFS”. CRD 291291 8820 E. Foxhollow Drive Anaheim, CA 92808. Insurance products and services are offered through Wealth Management Strategies, an affiliated company. Mark D. Turner, Insurance License #0759815 Wealth Management Strategies, 751 S. Weir Canyon Rd. Ste 157-610 Anaheim, CA 92808 (714) 912-4906.IRS CIRCULAR 230 DISCLOSURETo ensure compliance with requirements imposed by the IRS, we inform you that any US federal tax advice contained in this communication is not intended or written to be used and cannot be used for the purpose of (a) avoiding penalties under the Internal Revenue Code or (b) promoting, marketing or recommending to another party any transaction or matter addressed herein.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-mark-turner-president-of-wealth-management-strategies-discussing-retirement-income-planning
Mark has been helping individuals retire with confidence for over two decades. He is a passionate professional with a rich history of providing safe growth and advanced income strategies to help make sure his clients have an income they can't outlive. Working with top estate planning attorneys, Mark assists his clients with life insurance and long-term care planning alternatives to ensure legacy preservation for loved ones.Mark has been in the insurance business since 2000 and has held a Series 65 securities license since 1999. In 2018, Mark founded Wealth Management Strategies Financial Services LLC, an investment advisory and retirement solutions firm. Mark is also an Accredited Investment Fiduciary (AIF), which he earned by demonstrating knowledge of ethical behaviors that follow a fiduciary duty to his clients.Mark attended California State University at Northridge with a major in business management and a minor in marketing.Learn more: https://www.wmsretirementsolutions.com/Investments offered through WMS Financial Services LLC, a California registered investment adviser. AKA “WMSFS”. CRD 291291 8820 E. Foxhollow Drive Anaheim, CA 92808. Insurance products and services are offered through Wealth Management Strategies, an affiliated company. Mark D. Turner, Insurance License #0759815 Wealth Management Strategies, 751 S. Weir Canyon Rd. Ste 157-610 Anaheim, CA 92808 (714) 912-4906.IRS CIRCULAR 230 DISCLOSURETo ensure compliance with requirements imposed by the IRS, we inform you that any US federal tax advice contained in this communication is not intended or written to be used and cannot be used for the purpose of (a) avoiding penalties under the Internal Revenue Code or (b) promoting, marketing or recommending to another party any transaction or matter addressed herein.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-mark-turner-president-of-wealth-management-strategies-discussing-retirement-income-planning
In this conversation, Wade Pfau, Alex Murguia and Bill Bengen discuss various aspects of retirement planning, focusing on risk management, asset allocation, and the implications of market conditions on withdrawal rates. Bengen shares insights on adjusting the traditional 4% rule based on current market valuations and inflation, emphasizing the importance of a diversified portfolio and the role of annuities. The discussion also covers the significance of sequence of returns risk and the potential benefits of rising equity glide paths in retirement strategies. Takeaways A 65% stock allocation is recommended for retirees. Risk management involves adjusting asset allocations based on market conditions. The first 10 years of retirement are crucial for long-term success. Diversification is key to mitigating risks in retirement portfolios. Annuities can play a beneficial role in retirement income planning. Market valuations should influence withdrawal rate strategies. Rising equity glide paths may help manage sequence of returns risk. Monte Carlo simulations can provide insights but have limitations. The 4% rule may need adjustments based on current economic conditions. Retirement planning should consider both historical data and future projections. Chapters 00:00 Replacing Micro Caps in Portfolios 00:25 Risk Management and Asset Allocation 01:32 The Role of Third-Party Advice in Portfolio Management 02:50 Navigating Market Swings and Timing Investments 03:41 Inflation and Asset Allocation Strategies 05:27 International vs. Domestic Equity Allocation 07:04 Historical vs. Projected Data in Retirement Planning 12:18 Understanding Sequence of Returns Risk 14:18 Adjusting Withdrawal Rates Based on Market Conditions 15:45 Exploring Rising Equity Glide Paths 23:29 Finding the Right Equity Allocation for Retirement 27:29 Adjusting Withdrawal Rates for Inflation and Market Valuations Links Get Bill Bengen's New Book – A Richer Retirement Want to dive deeper into the research behind the 4% rule and how retirement income planning has evolved? Bill Bengen's new book, A Richer Retirement, is now available—visit bengenfs.com to learn more and get your copy.
Hans and Robby are back again this week with a brand new episode! This week, they discuss retirement income planning. Don't forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. Find us on YouTube: Cardinal Advisors.
Most people think money problems are about numbers but what if the real obstacle is us? In this episode, Joe sits down with Carl Richards, author, speaker, and creator of The Sketch Guy column in The New York Times, to explore why simplicity is so powerful in financial planning. Carl explains how his famous sketches reveal money for what it really is, a tool to live the life you want, and why the best advice isn't about picking investments, but aligning your money with your values. Check out the show notes for EP158 HERE.
In this episode of Retire with Style, Wade Pfau and Alex Murguia talk with William Bengen, pioneer of the 4% rule in retirement planning. They explore the rule's evolution, how inflation and market valuations shape sustainable withdrawals, and Bengen's current recommendations. The discussion highlights the role of asset allocation, the importance of withdrawal strategies, and why ongoing monitoring is essential for a secure retirement. Takeaways William Bengen modernized retirement income planning with the 4% rule. Inflation is a critical factor in determining sustainable withdrawal rates. Market volatility can significantly impact retirement portfolios. A comprehensive withdrawal plan should consider multiple factors. Current recommendations suggest a withdrawal rate of around 5.5%. Asset allocation plays a vital role in retirement planning. Investors should consider a rising equity glide path strategy. Regular monitoring and adjustments to retirement plans are essential. High inflation can permanently elevate withdrawal amounts. The 4% rule is not a one-size-fits-all solution. Chapters 00:00 Introduction to Retirement Income Planning 01:14 The Birth of the 4% Rule 03:03 Understanding Withdrawal Rates 09:15 The Impact of Inflation on Withdrawals 12:45 Market Valuation and Its Effects 18:07 Current Withdrawal Rate Recommendations 21:10 Asset Allocation Strategies 24:04 Free Lunches in Investment Strategies 27:34 Key Takeaways from A Richer Retirement 31:15 Future Research Directions Links Join Us for RWS Live! with Bill Bengen! We're going live on Thursday, September 11th at 1:00 PM ET on the Retire With Style YouTube channel! You'll have the chance to ask Bill Bengen—creator of the 4% rule—your retirement questions live in the chat. Search “Retire With Style” on YouTube, or click this link to join us directly: https://retirewithstyle.com/rws-youtube-live Don't forget to subscribe so you get notified when we go live!
In this conversation, Wade Pfau and Alex Murguia discuss retirement planning topics including market downturns, buffer assets, demographic trends, and emerging products like tontines and buffered ETFs. They highlight how historical market performance shapes future expectations and emphasize the role of strategic asset allocation in retirement income planning. Takeaways Market downturns can last longer than five years, impacting retirement planning. Buffer assets can help retirees weather market downturns without selling at a loss. Demographic trends may influence market performance and interest rates in the future. Modern tontines could provide innovative solutions for retirement income. Combining safety for essential expenses with discretionary spending can optimize retirement income. Historical returns should not be the sole basis for future market assumptions. Buffered ETFs may serve as effective tools for risk diversification in high market valuation environments. Understanding the liquidity and terms of financial products is crucial for effective retirement planning. Technological advances may reshape traditional financial products like tontines. A diversified portfolio can help manage risks associated with market fluctuations. Chapters 00:00 Introduction and Technical Setup 03:58 Market Downturns and Retirement Planning 12:59 Buffer Assets in Retirement 19:09 Tontines and Modern Financial Solutions 23:06 Combining Safety and Growth in Retirement Income 29:07 Buffered ETFs and Risk Diversification 33:31 Retirement Income Perspectives 34:06 Market Valuations and Investment Strategies Links Explore the New RetireWithStyle.com! We've launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there's something you've been wondering about retirement, we want to hear it! The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/ This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean's free eBook, “Retirement Income Planning”
This exclusive presentation from Tom Wall, PhD in Retirement Income Planning, was filmed at the Life Insurance Summit hosted by BetterWealth. In it, Tom explains how whole life insurance quietly outperformed bonds over the past 20 years—offering stable, tax-advantaged returns with virtually no volatility.Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultWant Us To Review Your Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review______________________________________________ Learn More About BetterWealth: https://betterwealth.com====================DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.
Not all financial advisors are created equal. Before you hire one, make sure you're asking the right questions. Use my structured interview worksheet to compare advisors and avoid costly mistakes. Get it free. Vanguard's Advisor's Alpha framework just turned 25—and few people know its impact better than Fran Kinniry, the study's original architect. In this episode, we explore how Advisor's Alpha reshaped the value of financial advice, why its lessons are more relevant than ever, and what it means for investors today. Listen now and learn: ► The hidden costs that quietly erode portfolio returns ► Why after-tax wealth matters more than pre-tax gains ► How advisors act as “behavioral circuit breakers” in volatile markets ► The overlooked complexity of turning a portfolio into retirement income Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions. (02:30) The Origins of Advisor's Alpha (05:00) Three Transformative Shifts in Financial Advice (15:00) Investment Selection and Market Cap Awareness (22:00) The Complexity of Retirement Income Planning (26:00) Total Return vs. Income-Only Investing (29:00) Why Professional Financial Advice Still Matters (33:00) Closing Thoughts Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com) Disclosure: This content, which contains security-related opinions and/or information, is provided for informational purposes only and should not be relied upon in any manner as professional advice, or an endorsement of any practices, products or services. There can be no guarantees or assurances that the views expressed here will be applicable for any particular facts or circumstances, and should not be relied upon in any manner. You should consult your own advisers as to legal, business, tax, and other related matters concerning any investment. The commentary in this “post” (including any related blog, podcasts, videos, and social media) reflects the personal opinions, viewpoints, and analyses of the Plancorp LLC employees providing such comments, and should not be regarded the views of Plancorp LLC. or its respective affiliates or as a description of advisory services provided by Plancorp LLC or performance returns of any Plancorp LLC client. References to any securities or digital assets, or performance data, are for illustrative purposes only and do not constitute an investment recommendation or offer to provide investment advisory services. Charts and graphs provided within are for informational purposes solely and should not be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others. Please see disclosures here.
You save, you invest… and then comes the big question: now what? In this episode, Vero welcomes Mark Young, early retiree and creator of the Retirement Loop Projection Tool, to share what it really takes to retire with confidence. From defining your goals to making smart withdrawal decisions, reducing taxes, and navigating uncertainty, Mark walks through the essential steps for a well-planned retirement. Along the way, he shares how his own journey inspired him to help others find clarity and peace of mind in retirement. Join Retirement Loop Waitlist Make sure to check out the complete show notes. X: @TheDividendGuy FB: http://bit.ly/2Z7Q5gF YouTube: http://bit.ly/2Zs6r1r DividendStocksRock.com
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In this episode of Retire with Style, Alex Murguia and Wade Pfau explore how buffer assets can help manage sequence risk in retirement. They discuss different types of buffer assets—including cash, home equity lines of credit (HELOCs), multi-year guaranteed annuities (MYGAs), and whole life insurance—and examine the trade-offs involved with each. Wade also shares insights on the evolving role of reverse mortgages in retirement planning, emphasizing the importance of weighing costs and long-term implications when incorporating these tools into a financial strategy. Takeaways Buffer assets help manage sequence risk by providing a safety net. Cash, HELOCs, and life insurance can serve as buffer assets. HELOCs may not be reliable during market downturns. MIGAs can be considered buffer assets under certain conditions. CDs can also function as buffer assets if withdrawal penalties are minimal. Reverse mortgages offer unique advantages but come with costs. The perception of reverse mortgages has evolved over time. Long-term care costs can be partially covered by reverse mortgages. Whole life insurance allows borrowing against cash value. Understanding the terms of financial products is crucial for effective planning. Chapters 00:00Introduction and Overview of Sequence Risk 02:24Understanding Buffer Assets 05:32Exploring Alternatives: HELOCs and Other Options 08:51Evaluating Multi-Year Guaranteed Annuities (MIGAs) as Buffer Assets 10:51The Role of CDs and Fixed Indexed Annuities 13:27The Case Against Gold as a Buffer Asset 16:12Reverse Mortgages: Risks and Benefits 19:19Changing Perceptions of Reverse Mortgages 22:31Long-Term Care and Reverse Mortgages 25:38Whole Life Insurance Loans and Their Implications Links Explore the New RetireWithStyle.com! We've launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there's something you've been wondering about retirement, we want to hear it! The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/ This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean's free eBook, “Retirement Income Planning”
The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs & Business Owners Bare It All
The Future of Digital Marketing | Interview with Brook Shepard The Entreprenudist Podcast https://entreprenudist.com In this must-watch interview, Brook Shepard — Founder & CEO of Mason Interactive — unpacks the future of digital marketing and how brands can scale smartly in today's fast-changing world. We cover the powerful intersection of creativity and analytics, the real impact of AI on advertising, and what it really takes to grow a brand from $0 to $40M. Whether you're a marketer, entrepreneur, or business leader, Brook shares proven strategies you won't want to miss.
In this episode of Retire with Style, Wade Pfau and Alex Murguia tackle listener questions on a range of financial topics, including gold's volatility, alternative investments, and how to measure retirement success. They discuss the realities of investment returns, the impact of recent U.S. bond downgrades, and the importance of understanding risk, using historical data, and maintaining a solid investment strategy in retirement. Takeaways Gold has lower average returns and higher volatility than stocks. Alternative investments require careful evaluation due to lack of historical data. Quantifying retirement success rates can provide clearer financial goals. The magnitude of failure in financial planning is crucial to understand. Investors should assess the compensated risk of their investments. Monte Carlo simulations can help in understanding potential outcomes. The funded ratio approach simplifies retirement planning. US bond downgrades may not significantly impact long-term market trajectories. Understanding the underlying assumptions of financial plans is essential. Risk assessment is a key component of effective financial planning. Chapters 00:00 Introduction and Overview of Q&A Session 02:33 Debating Gold's Volatility and Investment Value 08:56 Exploring Alternative Investments and Their Evaluation 19:03 The Importance of Theoretical Justification in Investments 20:17 Understanding Retirement Planning Tools 23:04 Probability of Success vs. Rate of Return 27:21 Magnitude of Failure in Financial Planning 30:31 The Funded Ratio Approach 34:06 Evaluating Financial Advisors 36:15 Impact of US Bond Downgrades Links Explore the New RetireWithStyle.com! We've launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there's something you've been wondering about retirement, we want to hear it! The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/ This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean's free eBook, “Retirement Income Planning”
Eric Ludwig, PhD, CFP®, director of the Retirement Income Certified Professional® (RICP®) Program, hosts a conversation with Justin Fitzpatrick, PhD, CFA, CFP® of Income Lab, on the best ways to address retirement income planning in client discussions. They talk about how to improve your individual focus, steer clear of common industry jargon, and ensure clients feel heard as you assist them in planning out their future with confidence. Find all episodes at TheAmericanCollege.edu/Shares.
In this episode of Retire with Style, Alex Murguia and Wade Pfau explore key retirement planning strategies, including how couples can optimize Social Security benefits, what to do with surplus funds from bond ladders, and the potential benefits of purchasing single premium immediate annuities (SPIAs) from Roth IRAs. They highlight the importance of maintaining flexibility and tailoring strategies to each retiree's unique circumstances. Takeaways Delaying social security can benefit the higher earner in a couple. The low earner has flexibility in claiming social security earlier. Using software can help determine optimal social security claiming strategies. Survivorship benefits are crucial in social security planning. Bond ladders are used for retirement income, not just reinvestment. Surplus funds from bond ladders can be invested in growth portfolios. Roth IRAs can be beneficial for purchasing SPIAs. SPIAs can provide tax-free income streams in retirement. Tax diversification is important in retirement planning. Real-life financial planning requires flexibility beyond strict rules. Chapters 00:00 Introduction and Overview 01:16 Social Security Strategies for Couples 06:41 Managing Bond Ladder Surplus Funds 16:29 Exploring SPIAs in Retirement Links Explore the New RetireWithStyle.com! We've launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there's something you've been wondering about retirement, we want to hear it! The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/ This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean's free eBook, “Retirement Income Planning”
The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs & Business Owners Bare It All
Skip Wilson: The Secret to Scalable Advertising Execution Without Tech Overload The Entreprenudist Podcast https://entreprenudist.com On this episode of The Entreprenudist Podcast, we sit down with Skip Wilson, CEO of DRAFT Media Partners, to discuss why empathy and operational excellence—not just technology—are the real engines of sustainable success in advertising. With 100+ clients across four locations, Skip shares exactly how his team builds systems that scale, deliver measurable results, and keep humans—not just tools—at the center of every campaign.
The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs & Business Owners Bare It All
From Compliance to Strategy: How Smart Business Owners Build Long-Term Success | Christopher Papin The Entreprenudist Podcast https://entreprenudist.com Episode with Christopher Papin, Owner of Papin CPA In this insightful interview, Christopher Papin breaks down how business owners can shift from basic compliance to strategic, long-term planning by leveraging the power of advisory services, financial insight, and legal integration.
In this episode of Retire with Style, Wade Pfau and Alex Murguia talk with John Manganaro, senior reporter at ThinkAdvisor, about the shifting landscape of retirement income planning. They explore how technology is reshaping financial planning, the growing need for holistic advice, and the challenges both advisors and consumers face in finding effective tools. John offers insights into the future of financial software, the value of human advisors, and the behavioral side of planning-highlighting the importance of addressing both financial and lifestyle goals in retirement. Takeaways Technology is expanding what financial advisors can do. Holistic advice is becoming essential for effective retirement planning. An aging population is driving greater demand for financial planning. Advisors are increasingly using advanced tools for tax-efficient retirement income strategies. The advisor's role remains critical in implementing and personalizing financial plans. Behavioral factors are just as important as the numbers in financial planning. More new advisors are focusing on serving middle-class clients. AI may help democratize access to quality financial advice. New software solutions are reshaping how the industry delivers financial planning. Many next-generation advisors are driven by a desire to help others, not just manage wealth. Chapters 00:00 Introduction to Retirement Income Planning 03:00 The Role of Technology in Financial Planning 06:03 Understanding Holistic Financial Advice 09:05 The Evolution of Financial Planning Tools 11:54 Challenges in Accessing Financial Advice 14:57 The Future of Financial Software Solutions 25:56 Exploring Social Security Strategies 28:07 Preparing for Retirement: Lifestyle Considerations 30:00 Behavioral Challenges in Financial Planning 33:00 The Evolution of Financial Software 39:07 The Role of AI in Financial Advice 42:57 The New Wave of Financial Advisors Links Upcoming Retirement Researcher Webinar: What's Involved When Working With an Advisor. Join Jason Rizkallah and Brian Bass from McLean Asset Management on Wednesday, June 25th at 1PM ET for a FREE webinar exploring how to evaluate and work with a financial advisor. Register now at retirewithstyle.com/podcast. Explore the New RetireWithStyle.com! We've launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there's something you've been wondering about retirement, we want to hear it! The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/ This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean's free eBook, “Retirement Income Planning”
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