Retirement Starts Today Radio

Click here to work with us! Most people focus on saving for retirement, but what happens when you actually get there? Retirement isn’t just about having enough money—it’s about managing risks that can threaten your financial security and lifestyle. In this episode, we explore Five Key Retirement Challenges (and Solutions), inspired by a Kiplinger’s Personal Finance […] The post Five Key Retirement Challenges (and Solutions), Ep #393 appeared first on Retirement Starts Today Radio.

Click here to work with us! Most people plan for retirement by focusing on their savings and investment returns—but what if some of the most important decisions happen after you stop working? In this episode, I sit down with Jeremy Keil, also known as Mr. Retirement, to discuss the three biggest mistakes retirees make—mistakes that can […] The post Top 3 Retirement Mistakes – An Interview with Mr Retirement, Ep 392 appeared first on Retirement Starts Today Radio.

Click here to work with us! Many retirees enter their golden years with the goal of financial security, but what if the biggest risk isn’t running out of money—it’s not spending enough of it? A surprising new study reveals that retirees are withdrawing just 2% a year from their savings—barely half of what’s traditionally considered safe. […] The post The 2% Trap: Why Retirees Spend Far Less Than They Could, Ep #391 appeared first on Retirement Starts Today Radio.

Click here to work with us! For decades, you’ve been focused on saving—watching your retirement accounts grow, sticking to a budget, and making smart financial decisions to ensure a secure future. But now that the time has come to actually enjoy your hard-earned money, spending it feels… unsettling. You’re not alone. Many retirees struggle with the […] The post From Saver to Spender: How to Confidently Use Your Nest Egg, Ep 390 appeared first on Retirement Starts Today Radio.

Click here to work with us! A lot of retirees assume their tax situation gets simpler once they stop working, but that’s not always the case. There are plenty of ways high-net-worth retirees end up paying more than they need to—sometimes without even realizing it. Maybe it’s interest and dividend income getting taxed at higher rates, […] The post 7 Inefficiencies on Rich Retirees’ Tax Returns, Ep #389 appeared first on Retirement Starts Today Radio.

Click here to work with us! Most people plan for retirement by focusing on their finances—building up a nest egg, securing passive income, and minimizing taxes. But what if that’s only part of the equation? Many retirees find themselves financially secure yet feeling unexpectedly lost, disengaged, or even unhappy. The truth is, money alone doesn’t guarantee […] The post The 5 Pillars of a Fulfilling Retirement (That Nobody Talks About) with Dr. Daniel Crosby, Ep #388 appeared first on Retirement Starts Today Radio.

Click here to work with us! Many people fear running out of money in retirement, assuming they’ll struggle financially once they stop working. But a recent Gallup poll shows 80% of retirees have enough to live comfortably, despite concerns about Social Security, longevity risk, and pension declines. Why the difference between expectation and reality? Many retirees […] The post Are Retirement Income Worries Overblown? Ep 387 appeared first on Retirement Starts Today Radio.

Employee benefits are one of the most overlooked aspects of financial planning. We often check a few boxes during open enrollment and move on—but are we truly maximizing what’s available to us? This week, we sit down with Joe Saul-Sehy, host of Stacking Benjamins, to uncover the hidden value in workplace benefits. From disability insurance […] The post Joe Saul-Sehy Shares How to Get the Most from Your Employee Benefits, Ep #386 appeared first on Retirement Starts Today Radio.

Click here to work with us! What if you could turn those green numbers in your investment account into retirement income while paying as little in taxes as possible? That’s exactly what we’re covering today with Peter Lazaroff, Chief Investment Officer at PlanCorp. We’re tackling the challenge many of us face: managing deferred gains in our […] The post Peter Lazaroff’s Options for Reducing Taxes on Deferred Gains Pre-Retirement, Ep #385 appeared first on Retirement Starts Today Radio.

Click here to work with us! Can you be fired after announcing your retirement? It’s a question that raises eyebrows and stirs concern for anyone nearing the end of their career. A recent article highlights the legal and financial implications of being terminated after sharing retirement plans, and it’s a scenario more common than you […] The post Fired After Announcing Retirement? Ep # 384 appeared first on Retirement Starts Today Radio.

Click here to work with us! Are you spending too little in retirement, worried you might outlive your savings? Many retirees struggle to strike the right balance, often holding back on enjoying the wealth they’ve worked a lifetime to build. I’ll show you how to overcome those fears and spend with confidence while still planning for […] The post How to Spend More (or Less) in Retirement appeared first on Retirement Starts Today Radio.

What does it mean to live a life of purpose? I talk with Jordan Grumet, aka Doc G, host of the Earn & Invest podcast, about how his work as a hospice doctor shaped his understanding of purpose and regret. His new book, “The Purpose Code,” offers insights on how to live with intention and meaning. We […] The post Purpose vs purpose: An interview with Doc G, Ep #382 appeared first on Retirement Starts Today Radio.

Originally aired February 2024: There are two ways to mess up retirement: run out of money or die with regret. Oftentimes, people in the retirement space only focus on the running out of money part. In an effort to help you live an even better retirement, today’s retirement headline discusses the regret part. Join me […] The post 5 Expenses Retirees Wish They Spent More Money On (Rebroadcast) appeared first on Retirement Starts Today Radio.

Originally aired March 2024: There are many ways that could threaten your financial security in retirement. Knowing the common issues can ensure that you don’t fall into the traps. Today’s financial headline comes from Yahoo Finance and is called 8 Ways Baby Boomers Become Poor in Retirement. Listen in to learn what they are so […] The post 8 Ways to Become Poor in Retirement (Rebroadcast) appeared first on Retirement Starts Today Radio.

Originally aired April 2024: It may be easy to define success in your working career, but defining success in retirement can be more difficult. What does success look like in retirement? What will you do daily or weekly to get the most out of your retirement? In this episode of Retirement Starts Today, we’ll explore […] The post The 4 Phases of Retirement (Rebroadcast) appeared first on Retirement Starts Today Radio.

Originally aired February 2024: You’ve heard of the 4% rule, and if you’ve listened to this podcast before, you’ve heard of Guyton’s guardrails strategy. But have you ever heard of using them together? Today’s retirement headline explores this idea. Overall, the article highlights the importance of considering sequence-of-returns risk in retirement planning and adopting flexible […] The post Using Guardrails For The 4% Rule (Rebroadcast) appeared first on Retirement Starts Today Radio.

Originally aired June 2024: The 4% rule is the “golden rule” of retirement planning. Everyone is familiar with it and it’s easy to work out for some quick, back-of-the-napkin math. Since it is so easy to calculate and implement, many use it as their retirement withdrawal rule. However, this approach may be overly conservative. While […] The post Is the 4% Rule Too Safe? (Rebroadcast) appeared first on Retirement Starts Today Radio.

Originally broadcast April 2024: You’ve been accumulating your savings your entire life, but when the time comes to draw down your investments, there are new risks. In this episode, we’ll discuss four risks that come with the decumulation phase of retirement. Press play to learn how to avoid these risks in retirement. Are you looking […] The post The Four Unique Risks in Decumulation (Rebroadcast) appeared first on Retirement Starts Today Radio.

Ready to learn how to make a lasting and meaningful legacy for your loved ones? I had an in-depth conversation with Myra Salzer from the Wealth Conservancy. Myra brings a unique perspective as a financial advisor who specializes in helping clients navigate life after inheriting significant wealth. We explore not just the financial implications but […] The post Navigating the Complex World of Inherited Wealth with Myra Salzer, Ep #375 appeared first on Retirement Starts Today Radio.

In this episode, we step away from our usual financial discussions to share personal stories from our military service. Why? To give listeners a glimpse of who we are beyond our roles as financial advisors—so we opened up about how our time in the service shaped our lives. Bret shares his experience working in logistics […] The post Veterans Day Special: Reflecting on Service and Lessons Learned, Ep #374 appeared first on Retirement Starts Today Radio.