Podcasts by Category

Retirement Answer Man

Roger Whitney, CFP®, CIMA®, RMA, CPWA®

A top retirement podcast. Roger Whitney, CFP®, CIMA®, CPWA®, RMA, guides you on how to actually do retirement well financially and personally. This retirement podcast isn't afraid to talk about the softer side of retirement. It will teach you how to retire with confidence. Two-time PLUTUS winner for best retirement podcast / blog and the 2019 winner for best financial planner blog. This retirement podcast covers how to create a paycheck, medicare, healthcare, Social Security, tax management in retirement as well as retirement travel and other non-financial issues you'll need to address to rock retirement. Retirement isn’t an age OR a financial number. It’s finding that balance between living well today and feeling confident about your retirement. It’s about gaining more freedom to pursue the life you want. Join the rock retirement community at www.rogerwhitney.com

866 - Retirement Year End Planning: Contributing to Assets

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866 - Retirement Year End Planning: Contributing to Assets
Join us as we dive into year-end financial planning strategies to optimize your retirement plan. This episode unpacks the essentials of contributing to various accounts like 401(k)s, IRAs, Roth IRAs, HSAs, and donor-advised funds before the year ends. We also discuss Roth conversions and answer listener questions about IRMAA brackets and required minimum distributions. Plus, hear a special tribute to veterans, featuring the first mission of Roger’s grandfather, a WWII bomber pilot. Don’t miss this comprehensive guide to maximizing your retirement savings and honoring those who served!

SMART PLANNING SEGMENT
(01:01) Rock Retirement Club is having its last open enrollment for the year.
(02:26) This month the theme has been to look at year end planning items in order to optimize your plan of record.
(03:40) This week we focus on contributing to assets between now and the end of the year. We will start off by discussing contributing to your 401K account.
(05:30) The second thing we want to look at is contributing to an IRA or Roth IRA.
(08:37) The next account you might consider contributing to is your health savings account.
(10:07) Another thing you might consider contributing to is a donor advised fund or any type of charity.
(15:03) The next one I’ll talk about today is 529 education plans.
(17:00) Another account you might want to contribute to is your after tax investment account.

LISTENER QUESTIONS
(20:00) Roger talks about 51 missions that his grandfather flew during World War II in honor of Veterans Day.
(21:10) Reid is concerned about IRMAA in 2026 regarding Roth conversions.
(24:35) David asks a question about projected required minimum distributions for Roth conversions.
(28:30) Joe asks about tax brackets and Roth conversions.
(31:13) Denise says the more she reads about Roth conversions, the more confused she gets.

SMART SPRINT
(35:00) If you want to try to do some optimization, grab the worksheets from Six Shot Saturday and go through the lists.

IN HONOR OF VETERANS DAY
(35:54) In honor of Veterans Day, I'm going to share some missions from my grandfather to thank all of our veterans.

REFERENCES

Six Shot Saturday

Rock Retirement Club

Retirement Answer Man- FREE Resource Center

Show notes created by https://headliner.app
Wed, 13 Nov 2024
865 - Retirement Year End Planning: Tax-Loss Harvesting
Welcome to a transformative episode where we delve into year-end financial strategies to optimize your retirement planning. Join us as we discuss tax-loss harvesting with Erin Coe, a seasoned planner and tax expert. Learn how to strategically sell capital assets at a loss to reduce your tax burden and explore the nuances of capital gains, wash-sale rules, and more. Plus, we answer listener questions about Roth conversions and annuities. Don't miss this insightful guide to maximizing your financial health!

PRACTICAL PLANNING SEGMENT
(00:25) Today on the show we begin to explore year-end action items.
(02:23) So now that we're into tax season, we're going to do a primer on tax-loss harvesting with Erin Coe.
(03:59) Tax-loss harvesting is the act of intentionally selling capital assets at a loss
(05:25) Defining what a capital loss is
(08:42)The intent is to reduce taxable income and reduce taxable liability
(10:12) How do you gauge the impact of this?
(13:34) Leave some buffer room to be careful on tax cliffs
(15:35) The wash-sale rule means you can't sell a capital asset and claim that loss and then repurchase it within 30 days
(21:27) What are some gotchas that we need to watch out for when evaluating portfolios?
(22:24) Another problem is those carry forwards, you need to track it every year whether you are using it or not.
(25:38) Tax loss harvesting is not just a December activity, it’s a year-round sport

LISTENER QUESTIONS
(28:05) Greg asks a question about Roth conversions for his older relative
(34:24) Stanley says his wife has a taxable MYGA, multi year guaranteed annuity, and wants to know if he should take the lump sum or roll it into something else.
(40:28) Jay asks about the pie or bucket approach

SMART SPRINT
(46:50) Review your after-tax accounts looking for unrealized losses and examine whether you can use them productively

Join our live event on Roth conversions at livewithroger.com or sign up for the replay at sixshotsaturday.com.

REFERENCES

Dinkytown.net
Turbo Tax
Retirement Podcast Network
Six Shot Saturday
Retirement Answer Man
Wed, 06 Nov 2024
864 - Think Smart, Retire Smarter: Razor Sharp- Occam and Hanlon
Welcome to our latest episode, where we focus on empowering your retirement journey with clarity and energy. Today, we delve into two powerful mental models, Occam's Razor and Hanlon's Razor, to simplify your retirement planning and decision-making processes. We also welcome back Dr. Bobby Dubois in our Rock Life segment, where he shares insights on living longer and more energetically. Don't miss our discussion on practical steps to enhance your life and retirement.

PRACTICAL PLANNING SEGMENT
(00:55) Roger will host a live online meetup on November 7 to discuss ROTH Conversions
(02:30) Today we are going to talk about Occam’s Razor and Hanlon’s Razor
(04:20) Occam’s Razor talks about when confronted with multiple options, the simplest is the best. Don’t overcomplicate things.
(05:20) How to apply Occam's Razor in retirement planning
(10:43) Hanlon's razor says never attribute to malice that which can be adequately explained by incompetence or ignorance
(12:15) Humans are messy and are usually not trying to harm or cause problems
(12:50) How do you apply Hanlon’s Razor to retirement planning?

INTERVIEW WITH DR. BOBBY
(15:53) Today we are going to focus on building energy and discuss four different studies about inflammation.
(17:00) The first study talks about how sleep impacts inflammation.
(21:45) The next study discusses measures of inflammation that can be tested in the blood and what they suggest.
(26:05) Third study shows exercise can improve our sleep and reduce inflammation
(28:20) One study looked at five characteristics of an 80 year old to determine who was more likely to live to 100.
(30:54) The takeaways are, there are things we can do that can really help us live long and well. Sleep, exercise, and diet can really make a difference in longevity.

SMART SPRINT
(32:40) I want you to look for an opportunity to practice Occam’s or Hanlon’s Razor in the next seven days.

Six Shot Saturday Email

Retirement Answer Man Webinar Registration

Books:
The Great Mental Models- Shane Parrish

Podcasts:
Live Long and Well with Dr. Bobby- Episode 3: Sleep
Wed, 30 Oct 2024
863 - Think Smart, Retire Smarter: Circle of Competence
In this episode, we delve into the concept of the Circle of Competence, a key principle in the mental mindset arsenal. We also feature Karen's inspiring story of transitioning from accumulation to decumulation, redefining her retirement journey. Join us as we explore the importance of deep knowledge versus surface understanding, and how you can apply these insights to your life. Also, don't miss our upcoming live online meetup on November 7, where we'll discuss Roth conversions and introduce the Rock Retirement Club. Sign up at livewithroger.com and take the first step towards rocking your retirement!

PRACTICAL PLANNING SEGMENT
(00:00) This week we will talk about the Circle of Competence and decumulation
(01:05) Live online meet up 11/ 7 at 7pm central about Roth conversions and RRC Open House
(04:33) The internet creates false competence and internet experts
(07:05) Circle of competence says individuals should focus their efforts within areas where they have a deep understanding or expertise
(07:32) Warren Buffett is a master at staying within the Circle of Competence
(12:10) Your competence in retirement is informed by your experience and research
(14:00) How do you know who is competent at some level in retirement planning?
(15:10) As competence goes up, sometimes confidence can diminish
(18:40) If you’re not in your Circle of Competence, what should you do?
(21:30) How do you gauge someone's Circle of Competence?

INTERVIEW WITH KAREN ABOUT DECUMULATION
(24:27) Karen shares her story and journey to understanding decumulation
(25:20) Karen became a widow five years before she retired from pediatrics at age 62
(26:50) Karen learned from the RRC about the concept of decumulation
(29:30) Second Order consequence of not touching principal
(33:00) Karen talked about a degenerative issue from a vision standpoint in your family
(35:56) I asked RRC members for recommendations on where to go, what to do
(38:00) Karen recaps her travels as a single elderly lady traveling alone and with groups
(40:29) So I'm thinking of you in decumulation, that change in conception and seeing in detail that it’s okay to spend x amount of money on various things.

SMART SPRINT
(43:11) In the next seven days, I want you to think about the distinction between accumulation and decumulation.

REFERENCES
Great Mental Models- Rhiannon Beaubien Shane Parrish
Into Thin Air- Jon Krakauer
Live Long and Well with Dr. Bobby
Overseas Adventure Travel
The History Chicks Podcast
Road Scholars
The Soul of Wealth- Dr. Daniel Crosby
Wed, 23 Oct 2024
862 - Think Smart, Retire Smarter: The Map vs The Territory
Join us in this insightful episode as we explore the concept of 'The Map vs. The Territory' in retirement planning. Discover how mental models can enhance decision-making and lead to a more fulfilling retirement. Our special guest, Dr. Daniel Crosby, discusses his latest book, "The Soul of Wealth," offering profound insights into achieving soulful wealth beyond mere numbers. Learn how to balance maps and reality, and the importance of feedback loops in financial planning. Plus, get practical advice on adapting to the unpredictable nature of life and finances. Don't miss this engaging conversation on rocking retirement with agility and purpose!

PRACTICAL PLANNING SEGMENT
(00:30) Talking about the map versus the territory and how it applies to retirement
(2:00) Personal anecdote about GPS maps
(4:00) Maps are a good abstraction to help us navigate things but understand maps are not reality
(5:15) Practical example using map versus territory
(07:25) Maps can be very useful in retirement planning, but they can also have limitations
(9:00) If we view map as reality, it’s easy to create static rules and can reduce our ability to adapt
(10:00) In the context of retirement planning, the map is the plan and comes with a lot of limitations.
(12:31) There are multiple ways to deal with variability of inflation
INTERVIEW WITH AUTHOR DR. DANIEL CROSBY
(16:22) Dr. Daniel Crosby is the author of the newly released book The Soul of Wealth

(18:25) Use a phrase called soulful wealth to describe what makes life rich
(20:00) Retirement is not a spreadsheet
(22:48) Martin Seligman is the father of positive psychology and the PERMA Model
(29:37) You have to get very specific in what it means to have meaning in life
(31:00) The Three B’s of having purpose in life- Believing, Belonging, Becoming
(35:26) What is it, especially around retirement, that creates this crisis of confidence with people?
(39:25) Identify when you are lying to yourself and it becomes harder to be complacent
(40:45) Have a purpose for your money
(44:55) One of the most fulfilling ways to spend money is giving it away
SMART SPRINT
(48:32) In the next seven days, evaluate whatever retirement plan you have in place and identify specifically what is the feedback loop to improve that plan.
RESOURCES
Dr. Daniel Crosby
https://www.danielcrosby.com
The Soul of Wealth
https://www.amazon.com/Soul-Wealth-reflections-money-meaning/dp/1804090441
Six Shot Saturday
https://sixshotsaturday.com
Orion Advisor Services
https://www.orion.com
Martin Seligman
https://www.authentichappiness.sas.upenn.edu

Wed, 16 Oct 2024
861 - Think Smart, Retire Smarter: Second Order Thinking
Welcome to the second week of our series on improving decision-making skills with mental models to help you rock retirement! This week, we delve into the concept of second order thinking, also known as the law of unintended consequences. Learn how to think beyond immediate outcomes and explore the long-term impacts of your decisions, whether it's buying a new car or helping your child with a down payment. We'll also share insightful stories from RRC retirees who have navigated the transition to retirement, offering wisdom on what they were excited about, what they worried about, and how their perspectives have changed. Plus, we answer your questions and discuss practical applications of second order thinking in retirement planning. Join us for an episode packed with valuable insights and tips to enhance your retirement journey!

PRACTICAL PLANNING SEGMENT
(00:00) This week's show focuses on improving decision making skills ahead of retirement
(01:15) Revisiting inversion thinking with listener feedback
(03:18) Shoutout to RRC Member Kevin
(5:00) Starting our second mental model: Second order thinking or the law of unintended consequence
(9:00) Reflecting on giving money productively to children using second order thinking
(12:58) Second order consequence thinking can help you tease out downstream consequences of retirement planning
(13:40) Building a retirement plan of record thinking in second order consequence thinking.
RRC RETIREE INTERVIEWS
(15:20) Talking to our own Kevin Sebesta about retirement
(18:09) What is a fun bucket?
(23:00) Talking with two-year retiree, Bob, about what his concerns were before retirement and what he was most looking forward to.
(27:54) Bob talks about making indulgent purchases in retirement.
(30:46) Asking Bob what advice he would have given his younger self.
(33:01) Talking to five-year retiree, Becky, about her concerns prior to retirement.
(36:06) When you retired, would you say you were overfunded or very constrained?
(38:00) How were you comfortable with the unknown going into retirement?
(39:30) How important is it to have friends who are on a similar journey?
(44:57) Talking to four-year retiree, Jack, about his concerns two years prior to retirement.
(48:35) Jack talks about volunteering at food pantries and food banks.
(50:46) How do you avoid getting bored in retirement?
(52:04) What would you have done differently when it comes to transitioning to retirement?
(53:15) Talking with five-year retiree, Chip, about transitioning from professional to retiree.
(55:55) A year or two before retirement, what were your biggest concerns?
(56:50) “Getting laid off was probably the best thing that ever happened to me.”
(59:17) It's been a journey after retirement figuring out how to manage your time
(01:03:10) Looking back, is there anything you would’ve done differently?
LISTENER QUESTIONS
(01:05:14) Mikey asks about withdrawing social security before seventy.
(01:09:23) Mike and Bonnie ask about using debt for tax management purposes
(01:16:21) Dirk asks about principle protected, structured ETFs
(01:17:25) What is principal protection structured ETF?
(01:23:59) Tim asks about investing based on newsletters.
SMART SPRINT
(01:28:59) Use second order thinking to help you make low-stakes decisions
REFERENCES
Rock Retirement Club
https://rockretirementclub.com

Six Shot Saturday
https://sixshotsaturday.com

Roger Whitney
https://rogerwhitney.com
Catching Up to FI Podcast
https://catchinguptofi.com
Fooled by Randomness: The Hidden Role of Chance in Life and in the Markets by Nassim Nicholas Taleb
https://www.amazon.com/Fooled-Randomness-Hidden-Markets-Incerto/dp/0812975219

Wed, 09 Oct 2024
860 - Think Smart, Retire Smarter: Inversion
Welcome to another insightful episode where we kick off a month-long series on improving your decision-making abilities. This week, we delve into the concept of inversion, a powerful mental model that can significantly enhance your retirement planning. Learn how to avoid common unforced errors and make better decisions to ensure a successful retirement. Plus, get answers to listener questions about HSAs, security issues, and investment strategies. Don't miss this episode packed with practical advice and useful tips!

PRACTICAL PLANNING SEGEMENT
(00:30) This week starts a month-long series on improving your decision-making abilities
(04:38) First mental model- Inversion
(10:30) Inversion in investing
(12:20) Combining inversion with the vision pillar to determine what you want your life to be
(15:00) Using things you don’t want to help build goals of what you DO want
(15:54) Inversion with energy pillar. What do I need to AVOID to get more energy?
LISTENER QUESTIONS
(17:55) Jay asks about HSA and transferring funds
(21:55) Questions from Connie about password website, onepassword.com, and about securing social security account.
(24:55) Question about financial advisors and Dimensional Funds
(30:12) Linda asks about asset allocation and optimization.
BRING IT ON SEGMENT

(33:33) Kevin Lyles comes on to talk about identity
(37:15) Identity after retirement and losing your work identity
(43:07) Identify what you got from your career identity-wise that you want to continue in retirement
SMART SPRINT
(52:55) In the next 7 days when faced with a decision, think about inverting the question.
RESOURCES
Rock Retirement Club
https://rockretirementclub.com

Six Shot Saturday
https://sixshotsaturday.com

Roger Whitney
https://rogerwhitney.com

Vanguard
https://vanguard.com

Charles Ellis, Winning the Loser's Game
https://www.amazon.com/Winning-Losers-Game-Strategy-Investing/dp/1264257697

Bronnie Ware, The Top Five Regrets of the Dying
https://www.amazon.com/Top-Five-Regrets-Dying-Transformed/dp/140194065X

One Password
https://1password.com

LastPass
https://lastpass.com

Login.gov
https://login.gov

ID.me
https://id.me

Dimensional Fund Advisors
https://us.dimensional.com

Avantis Investors
https://www.avantisinvestors.com
The Retirement Collective- Shared Wisdom from Top Retirement Coaches
https://www.amazon.com/Retirement-Collective-Shared-Wisdom-Coaches/dp/1951915186
Wed, 02 Oct 2024
859 - CLASSIC EPISODE The 8 Pillars of Rocking Retirement: Passion and Relationships
In this episode of the Retirement Answer Man, Roger Whitney wraps up his series on the eight pillars of a great retirement plan by diving into the last two non-financial pillars: passion and relationships. Discover how your hobbies, curiosities, and social connections can significantly impact your retirement happiness. Roger also shares personal stories and practical tips on maintaining energy, fostering a growth mindset, and building a fulfilling post-retirement life. Tune in for insights and strategies to help you rock your retirement!

PRACTICAL PLANNING SEGMENT
(00:26) Eight pillars are needed as a foundation for having a great retirement plan
(02:50) Importance of showing up and doing the work
(04:12) Having projects is a core component of living an enriching, full life
(04:49) Passion is our next nonfinancial pillar, find projects you’re passionate about
(07:19) What are the obstacles to pursuing passion and projects outside of retirement
(08:50) Roger’s personal anecdote about digital obstacles
(10:30) Plan for developing passions
(11:52) Last of the four non-financial pillars is relationships
(15:17) What are the obstacles of building relationships?
LISTENER QUESTIONS
(18:50) Mark asks about spousal IRA
(20:09) Question from Beth: Should I keep 401k or roll over to an individual IRA?
(24:28) Fund choices can be a determinant of your 401K success
(27:07) Simplification and consolidating your assets into an IRA
(30:21) Listener feedback on losing a spouse
(34:50) It only takes one account or property to force probate
SMART SPRINT
(37:20) Identify one thing that you are curious about and pull that thread
Wed, 25 Sep 2024
858 - CLASSIC EPISODE The 8 Pillars of Rocking Retirement: Energy and Mindset
This week, we continue our journey through the eight pillars of rocking retirement, shifting our focus to the non-financial realm. We delve into the first two non-financial pillars: Energy and Mindset. These pillars are crucial for showing up fully in life and maintaining a growth-oriented perspective. We'll explore how to overcome obstacles like stress, injuries, bad habits, and the impacts of aging, and discuss actionable plans to boost your energy and cultivate a growth mindset. Additionally, we’ll answer your pressing questions about Roth IRA contributions, tax planning, Social Security spousal benefits, and CD investments. Join us as we build a holistic retirement plan that goes beyond finances to truly rock your retirement!
PRACTICAL PLANNING SEGMENT
[00:33] Focus on the non-financial aspects of your retirement planning
[01:35] Sign up for Six Shot Saturday
[03:20] The first pillar that we want to talk about is energy
[04:15] Obstacles that we face in having energy in our life
[06:05] Plan when it comes to energy
[08:43] Pillar number two is mindset
[09:53] Obstacles to maintaining and growing a growth mindset
[12:45] What is your plan for a growth mindset?
[14:17] Reflecting on my father-in-law’s mindset
LISTENER QUESTIONS
[16:56] Roger answers your questions on how to rock retirement
[17:35] Beth: audio question about Roth contributions
[20:30] Jim talks about managing taxes in retirement
[24:38] Our next question comes from Patrick on Social Security spousal benefits
[27:12] Daniel: I was wondering what your thoughts were on CD investments
BRING IT ON SEGMENT
[31:14] Mark Ross talks about mindset
[33:30] I changed my self-talk and it changed the outcome
[37:18] Tools to change to an abundance mindset
SMART SPRINT
[38:55] When you find yourself saying “I can’t,” add the word yet. “I can’t do that YET.”
RESOURCES
Agile Retirement Management
https://www.agileretirementmanagement.com

Rock Retirement Club
https://www.rockretirementclub.com

Six Shot Saturday
https://www.sixshotsaturday.com

Younger Next Year
[https://www.youngernextyear.com

Limitless Mind by Jo Boaler
https://www.amazon.com/Limitless-Mind-Learn-Lead-Live/dp/0062851748

Spartan Race
https://www.spartan.com

Wed, 18 Sep 2024
857 - CLASSIC EPISODE The 8 Pillars of Rocking Retirement: Resilience and Optimization
This month, we're revisiting the eight pillars of rocking retirement. Today, we focus on the second two financial pillars: having a resilient plan of record and optimizing the plan to enhance the journey. Many people are good at setting goals and determining feasibility, but often overlook the importance of resilience in their retirement plan. We delve into how to stress test your plan for various risks like bear markets, health care shocks, and premature death, and how to build redundancies to make your plan more robust. We also discuss optimizing your plan with tax strategies, investment implementation, and legacy planning.
PRACTICAL PLANNING SEGMENT
-[00:35] - Introduction to the eight pillars of rocking retirement
- [04:55] Building a Resilient Retirement Plan
- [10:30] Building a funding strategy for the first five years of retirement
- [14:38] The fourth pillar: Optimization
LISTENER QUESTIONS
- [18:55] Mark asks about estimating Social Security benefits
- [20:32] Mary inquires about investing in Real Estate Investment Trusts versus private crowdfunding platforms
- [27:20] John seeks advice on choosing a retirement planner
- [31:58] Tammy's question on whether to sell a high-value home for liquidity
BRING IT ON SEGMENT
- [36:37] Building relationships and the importance of micro roles
SMART SPRINT SEGMENT
- [42:50] Assess the resilience of your retirement plan
Resources Mentioned In This Episode

Six Shot Saturday
https://sixshotsaturday.com

Jeremy Siegel's "Stocks for the Long Run"
https://www.amazon.com/Stocks-Long-Run-Definitive-Investment/dp/0071800514

Roger's YouTube Channel - Roger That

BOOK - Rock Retirement by Roger Whitney
Roger’s Retirement Learning Center

Wed, 11 Sep 2024
856 - CLASSIC EPISODE The 8 Pillars of Rocking Retirement: Vision and Feasibility
This September, we're doing something a bit different. We're revisiting the basics with a refresher on the eight pillars of rocking retirement—four financial and four non-financial pillars that form the foundation for a great life. Too often, retirement planning gets bogged down with too many details and the pressure to get everything right. But in my experience, focusing on the most important things gets you 90% of the way there. This month, we’ll air classic episodes to revisit these pillars, starting today with the first two financial pillars: Vision and Feasibility.

The first financial pillar we are going to discuss is VISION. How do you start to figure out your vision in retirement? We would suggest reconnecting with who you actually are outside of your identity as an employee and identifying your core values. The second pillar in the financial realm is having a FEASIBLE plan. The objective is to establish a foundation of a safe path that is feasible given the resources and the choices that you are willing to make.
OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN
PRACTICAL PLANNING SEGMENT
- 00:28 September will focus on the eight pillars of rocking retirement
- 08:00 First two pillars of rock retirement are vision and feasibility
- 08:14 Vision: What do you want when you retire?
- 13:28 What are some of the obstacles to creating a vision in retirement?
- 17:44 The next pillar in the financial realm is having a feasible plan
LISTENER QUESTIONS
- 24:10 Listener Scott has a tip about going from two to one
- 26:13 Bill discusses piecake
- 27:44 Our next question is from Steve related to asset allocation in retirement
- 33:53 Another listener, Steve, wants to know if a stable value fund is a good investment
BRING IT ON
- 38:33 Kevin Lyles talks passion in work and volunteering in retirement
SMART SPRINT
- 45:55 Think about your life as a clean slate
✍️ Episode References
Six Shot Saturday
https://sixshotsaturday.com
The Top Five Regrets of the Dying- Bronnie Ware
https://bronnieware.com/regrets-of-the-dying/
The Retirement Manifesto- Fritz Gilbert
https://www.theretirementmanifesto.com/
Stocks for the Long Run- Jeremy Siegel
https://www.amazon.com/Stocks-Long-Run-Definitive-Investment/dp/0071800514
Tue, 03 Sep 2024
855 - The Q Factor: Bond Gadgets That Could Stop Rising Rates From Kicking Your Assets
Episode 218 is the final episode in the April Bond series. We’ve walked through all the benefits and dangers of bonds over the past few weeks. In this episode, we talk about some gadgets that could help you save your portfolio against a couple of evil villains. You’ll want to hear about all the gadgets that will serve you and your portfolio as you plan for your retirement years. Make sure you listen to this episode to hear about all the coolest gadgets that are out there to help you fight rising rates and avoid getting your assets kicked.
Who are the villains in this investing mission?

There are two villains to be fought when planning for retirement. And just like James Bond, you need tools to fight the bad guys. The first villain is inflation. You have to keep up with inflation because it will zap your purchasing power and steal your lifestyle away over time if you let it. Volatility is the second villain. There’s always the chance of losing your money because you were too aggressive in your investments. So where do bonds stand against these bad guys? Well, bonds generally stink at fighting inflation, so they are definitely not the gadget you want for that job. They do a great job at fighting volatility though. If you want to hear about how a few bond gadgets can help you fight off the evil villains listen to this episode of Retirement Answer Man.
There is such a thing as too many gadgets

How subtle do you want your gadgets to be? Think about what the mission is that you’re on with your investing. It’s easy to get caught up in the excitement and potential of certain proposals. When you look at the possibility of returns it can be exciting. However you have to remember that it is a proposal, and proposals are meant to sell you something. All you should care about is whether they can deliver what they promise. You need to investigate further to see if they can actually replicate past results. Listen to this episode to hear about some of the coolest gadgets in the investment world and how you to make sure they are right for you.
What are a few of the gadgets that Q has in store for you?

There are many kinds of gadgets you can use to help battle against rising rates. Lower duration or maturity bond investments can help with volatility. Even foreign bonds can play a role in your portfolio. Different economies are in different economic cycles, so when one goes down the another may be going up. Another gadget you can use is to buy individual bonds rather than a portfolio. These will mature, whereas bonds in a portfolio will never actually mature. These are just a few of the gadgets that a bond investor can use to battle the bond villains. Listen to this episode to hear all of the gadgets that I employ and see if some are a good fit for you.
How gadgety do you want to be?

Think about what you are really trying to accomplish with your bonds before you come up with a strategy to use. Are you looking to be subtle with your gadgets like James Bond, or flashy like Ironman? Before you use any gadgets make sure you understand what you’re getting into. I like to use a fixed and flexible approach to investing and try an maintain 50% passive investments and about 50% using gadgety strategies. Adding complexity to your portfolio can be as easy or as complicated as you make it. Listen to this episode to hear how you can employ some awesome gadgets in your portfolio.
OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

HOT TOPIC SEGMENT
[4:55] What is the mission that we’re on with our bonds?[7:22] Who are the villains on this mission?
PRACTICAL PLANNING SEGMENT
[11:29] You can spend so much money on gadgets[14:44] Lower duration or maturity bond investments can help with volatility[16:22] Foreign bond can play a role in a diverse portfolio[20:10] A bond ladder[22:15] High yield bonds[26:01] Stable value funds[27:49] What is a barbell strategy
THE HAPPY LAB SEGMENT
[31:58] Who are the Q’s in your life that help make your life awesome?
TODAY’S SMART SPRINT SEGMENT
[33:42] Look at your asset allocation and see if it’s working for you?
Resources Mentioned In This Episode

Roger’s YouTube Channel - Roger That

BOOK - Rock Retirement by Roger Whitney
Ask Roger a question

Work with Roger

3-video Series: 5 Minute Retirement Makeover

Roger’s Retirement Learning Center

The Retirement Answer Man Facebook Page

Intro music by bensound.com

Wed, 25 Apr 2018
854 - Creating An ICE Plan And 4 Reasons Why You Should Ignore Market Predictions
Welcome to PLAN WELL INVEST WISELY, the podcast dedicated to helping you make smarter financial decisions so you can live well today without sacrificing tomorrow.
Each of these 30-minute weekly podcasts will be posted on Tuesdays. All the episodes will have two separate segments:
Episode #1's PLAN WELL segment covers creating an ICE Plan (in case of emergency plan). Here is a free worksheet to help you do that. You'll also learn more about secure password managers like 1Password.

Episode #1's INVEST WISELY segment covers four reasons why you should ignore extreme market predictions.

If you’d like to receive my podcasts automatically, go to iTunes.com and subscribe.

RESOURCES MENTIONED IN THIS EPISODE
Roger’s YouTube Channel - Roger That
BOOK - Rock Retirement by Roger Whitney
Ask Roger a question
Work with Roger
Roger’s Retirement Learning Center
The Retirement Answer Man Facebook Page
Tue, 04 Mar 2014
853 - Stories from Unique Retirements
If you are exploring a unique retirement, it is important to do your research. The best way to research something is to talk to someone who has walked the walk. That’s why, on this episode of Retirement Answer Man, I chat with people who are living...
Wed, 28 Aug 2024
852 - Retire Without Borders: An Expat Primer
Have you ever thought about retiring abroad? It seems like a fun adventure, but how do you begin? On this episode of Retirement Answer Man, expat expert, Jane Mepham from , joins me to discuss the financial and nonfinancial considerations of...
Wed, 21 Aug 2024
851 - Securing Their Future - Retiring with Special Needs Children
If you have a special needs child, you know that your retirement plan will need to include plans for their future. How do you create a great retirement while honoring and caring for your child with special needs who will most likely live beyond your...
Wed, 14 Aug 2024
850 - Service, Sacrifice, and Second Acts: Military Retirees
Military retirees have a unique set of circumstances and opportunities. In this episode, military retiree and retirement planner Scott Sanborn joins me to explore the financial and non-financial aspects that come with a military retirement. Over...
Wed, 07 Aug 2024
849 - Roth 401K or Not? When Should I Switch?
So many retirement questions have no right answers. They’re simply judgment calls. In this episode, we’ll explore whether it makes sense to switch to a Roth 401K. Don’t listen to find out the answer. Listen to learn the process to use to come up...
Wed, 31 Jul 2024
848 - What Income Sources are Included for the IRMAA Calculation?
You’ve got questions and we’ve got answers. On this episode of Retirement Answer Man, Taylor Schulte from the joins me to answer your retirement questions. Grab your earbuds and join us for this episode full of your questions. Make sure to...
Wed, 24 Jul 2024
847 - Financial Advisor Certifications - What They Mean for You
If you’ve ever searched for a financial professional you may have seen an endless string of letters after their names. Trying to figure out the financial advisor alphabet soup is exhausting. One listener threw his hands up and asked me what all...
Wed, 17 Jul 2024
846 - Steps to Secure Your Personal Information
The moment you’ve been waiting for is here! The Rock Retirement Club has opened its doors once again. Enrollment is open until July 18, so head on over to to sign up today. After you do that, listen to this episode to learn how to protect...
Wed, 10 Jul 2024
845 - Be a Super Communicator with Charles Duhigg
The best predictor of happiness and health at age 65 is how many close relationships you have at age 45. To really rock retirement you need to build quality relationships. To do that you need to learn to be a better communicator. On this episode...
Wed, 03 Jul 2024
844 - Lessons from Mike and Judy’s Investment Experience
Every one of us has a different tolerance for risk. We even have different risk tolerances at different points in our lives. In this episode, we’ll learn about Mike and Judy’s comfort level with their investments. Learn how they’ll develop an...
Wed, 26 Jun 2024
843 - Legal Tender: Tallying Their Resources
#544 - Legal Tender: Tallying Their Resources Planning for retirement isn’t about creating a new job for yourself, it’s about using what you have to create a great life. On this episode of Retirement Answer Man, I’ll help Mike and Judy...
Wed, 19 Jun 2024
842 - The Lifestyle We Want in Retirement
We all have our own dreams for retirement and today, Mike and Judy share theirs. On this episode of Retirement Answer Man, you’ll hear Mike and Judy describe their ideal retirement, then in the Rock Life segment, Kevin Lyles will lay out the 4...
Wed, 12 Jun 2024
841 - The Educator and the Esquire - Meet Mike and Judy
Would you like to have the confidence to know that it is all going to be okay so that you can walk away from your career? So would Judy! In this episode of Retirement Answer Man, you’ll meet Mike and Judy, an educator and an attorney. They are both...
Wed, 05 Jun 2024
840 - How Can I Get an IRMAA Exception?
Have you heard of IRMAA? IRMAA can be an unwelcome surprise if you aren’t expecting her. On this episode of Retirement Answer Man, you’ll hear what to expect from IRMAA and your Medicare costs. OUTLINE OF THIS EPISODE OF THE RETIREMENT...
Wed, 29 May 2024
839 - I’m Afraid to Buy Stocks in Retirement! What Should I Do?
What is your risk tolerance? What does risk tolerance even mean? Why does it matter? We’ll explore these questions as I answer one of our listener’s questions on getting back into the stock market with a low risk tolerance. Listen in...
Wed, 22 May 2024
838 - Should I Get a Mortgage for My Retirement Home?
Have you thought about getting a mortgage for your home in retirement? If so, have you strategized how you would pay it off? In this episode, we explore Scott’s question about pursuing a mortgage and paying it off early. Listen in to learn...
Wed, 15 May 2024
837 - Stop Doing These Things in Retirement
Let’s get back to basics—addition and subtraction two ways to get to the same answer. However, we have a tendency to stick with addition. Today we’ll learn how subtraction can help you come out ahead. Why am I talking about elementary math on a...
Wed, 08 May 2024
836 - My Experience Moving to a Retirement Community
Have you ever considered moving to a retirement community? With the freedom that retirement brings, many people begin to rethink their living arrangements. On this episode, you’ll hear how Brad and his wife decided to move to a retirement...
Wed, 01 May 2024
835 - Can I Do a Reverse Dollar-Cost Averaging for Withdrawals in Retirement?
Does a withdrawal strategy in retirement have to be complicated or can you simply do a reverse of dollar cost averaging? In this episode, we’ll take a look at how reverse dollar-cost averaging would work by using an example and discover who it works...
Wed, 24 Apr 2024
834 - How Much Money Do I Really Need to Retire?
We would all love to have that magic number–the exact amount we need to retire. However, since there are so many unknowns it is impossible to attain an exact number. This is why the big question of retirement is a complex one. In this episode,...
Wed, 17 Apr 2024
833 - Ask Better Retirement Questions
Have you been wondering what retirement is like for real retirees out in the wild? With the success of our Retirement Plan Live series, we decided to try mini-case studies to learn more about what retirees like you are doing to rock retirement. ...
Wed, 10 Apr 2024
832 - The State of Retirement Planning with Michael Kitces
Michael Kitces is one of the innovators in the retirement planning and financial services space. help retirees and financial advisors gain the base knowledge needed to rock retirement. On this episode of Retirement Answer Man, Michael joins me...
Wed, 03 Apr 2024
831 - How to Manage Your Scarcity Brain with Michael Easter
Have you ever wondered why it is so hard for you to spend your money? Even now after all these years of saving you know you have enough, but it’s hard to let go and untie those purse strings. Today, my friend and renowned author, Michael Easter...
Wed, 27 Mar 2024
830 - Overcoming Frugality in Retirement with Dan Crosby
For the past ten years, we have been exploring how to do retirement right so that you can get down to the business of living a great life. This is why this month we have had a series of special guests. Today’s guest is behavioral investment...
Wed, 20 Mar 2024
829 - What is True Retirement Planning? With Christine Benz
Retirement planning has changed over the years, but has the industry evolved to keep up? Your retirement needs are much different from those of your parents' generation. This is why it is important to focus on retirement planning in a holistic...
Wed, 13 Mar 2024
828 - How Systems Thinking Can Improve Your Retirement with Rick Nason
This month we celebrate the Retirement Answer Man’s 10th anniversary milestone with several guests throughout the month. Today we welcome Professor Rick Nason, author of , to discuss complicated vs complex thinking. If that discussion didn’t...
Wed, 06 Mar 2024
827 - What Can I Learn from the FIRE Movement?
Those who have FIREd like Keven Sebesta are choosing to rock life each day. In this final episode on the FIRE movement, we’ll explore what we can learn from them. Join Kevin and me to discover how you can do what FIRE is doing right. What can you...
Wed, 28 Feb 2024
826 - The Challenges of FIRE
Over these past few weeks, we have been discussing the FIRE movement with Kevin Sebesta, a coach in the RRC who achieved FIRE some time ago and has been rocking retirement ever since. This week Kevin helps me explore the challenges that retiring...
Wed, 21 Feb 2024
825 - The Benefits of FIRE
Now that we know what FIRE is, let’s learn the benefits. In this episode of Retirement Answer Man, Kevin Sebesta joins me to discuss the benefits of FIRE. Afterward, Mark Ross comes aboard to noodle on why creativity is important in...
Wed, 14 Feb 2024
824 - What Is the FIRE Movement?
Have you heard of the FIRE movement? It’s become increasingly popular in the past few years. Even if you are technically too old to retire early, there is something we can all learn from FIRE seekers. In this episode, Kevin Sebesta, a real...
Wed, 07 Feb 2024
823 - Retirement Plan Live: Mature Marriage - Managing Joint Cash Flow with Separate Assets
How do you manage a joint cash flow with separate assets? In addition to discussing Mark and Mary’s situation, today I chat with Kay about how she and her husband handled finances with their late in life marriage. Kay gives us some insight on how to...
Wed, 31 Jan 2024
822 - Retirement Plan Live - Mature Marriage: Shared Resources
We’re back with Retirement Plan Live to explore how two adults who married later in life can share their resources as they age. Last week we looked at their goals both individually and together and today we’ll do the same with their resources....
Wed, 24 Jan 2024
821 - Retirement Plan Live: Mature Marriage - Shared Goals
Do you like lemonade? If so, you won’t want to miss out on the lemonade I make on today’s episode. We’re discussing goals on this episode of the Retirement Plan Live series and we get to catch up with Lori from the 2017 Retirement Plan...
Wed, 17 Jan 2024
820 - Retirement Plan Live: Mature Marriage - Mary’s Story
If you’re married, do you have retirement planning meetings? If you’re single do you plan a time to meet with yourself to plan your retirement? What or whom do you use as a sounding board? In this Retirement Plan Live, we’re getting to know Mark...
Wed, 10 Jan 2024
819 - Retirement Plan Live: Mature Marriage - Mark’s Story
Today you’ll meet Mark–half of our newest case study for Retirement Plan Live. Mark and Mary are a year and a half into their new marriage and are trying to figure out how to plan the rest of their lives. On this episode, you’ll learn about Mark...
Wed, 03 Jan 2024
818 - Should I Withdraw from My IRA to Pay Off My Mortgage?
One of our listeners actually has a better mortgage rate than me! However, as they begin to test their retirement budget they have found that the mortgage payment leaves that budget a bit tight. So they are wondering if they should pay off their...
Wed, 27 Dec 2023
817 - How Can I Reduce the Chances of Running Out of Money in Retirement?
It seems like no matter how much we save we always have that nagging worry about whether it is truly enough. One of our listeners is looking for ways to reduce the chances of running out of money in retirement. My response to his question may...
Wed, 20 Dec 2023
816 - The Ins and Outs of Donor-Advised Funds
Have you ever wondered how the subjects from our Retirement Plan Live series are doing now? Did everything turn out okay for them? Find out how Emma () is doing on this episode of Retirement Answer Man. In the listener questions segment you’ll learn...
Wed, 13 Dec 2023
815 - Important Retirement Numbers for 2024
The way does not exist–there is no one correct way to do things. We are all finding our own ways in life and retirement. Working with an agile structure will help give you the scaffolding to create a retirement plan in an organized way. On this...
Wed, 06 Dec 2023
814 - How Do I Refill My Retirement Income Floor?
Have you been wondering what you’re supposed to do when it comes to refilling your retirement income buckets? So has Michael. In this episode, I’ll go into further detail about how to do that. Stay tuned for the answer to Michael’s question...
Wed, 29 Nov 2023
813 - My Retirement Planner Said No to a Report Request. What Should I Do?
What would you do if your retirement planner said no when you asked them for a report? I’ll address this question and many more on this episode of the Retirement Answer Man Show. We’ll also discuss the two things you need to find happiness. Are...
Wed, 22 Nov 2023
812 - Should I Consolidate My Accounts in Retirement?
If you have different retirement accounts at various brokerage firms, you may wonder whether you should consolidate them. One listener asked me that very question today. I’ll answer it along with several others–don’t miss the one about my...
Wed, 15 Nov 2023
811 - How Should I Pay Taxes on My Roth Conversions?
“You do not rise to the level of your goals; you fall to the level of your systems.” James Clear I’ve been focusing on building up my systems lately and today I’ll provide you with an example of what that looks like for me. In addition,...
Wed, 08 Nov 2023
810 - Should I Continue to Own Bond Funds?
Bonds are a ubiquitous part of a balanced portfolio and in recent years bond funds have become even more attractive to many investors. However, due to rising interest rates, bond funds are now losing their appeal. One listener asks whether she...
Wed, 01 Nov 2023
809 - Wisdom for Our Children - Spending, Saving, and Investing
We often try to overcomplicate finances, but simplicity is the key. That’s not to say simplistic: simple doesn’t equal simplistic. On this episode, we wrap up our Wisdom for Our Children series by exploring your advice for spending, saving, and...
Wed, 25 Oct 2023
808 - Wisdom for Our Children - Family and Friends
Your family and friends are the people you walk life with, so it is important to choose wisely. In this episode of our Wisdom for Our Children series, Nichole joins me to reflect on what the younger generation should keep in mind when forming these...
Wed, 18 Oct 2023
807 - Wisdom for Our Children - Career and Retirement
This month, as we meander through the different parts of life we are stopping to reflect on certain areas to pass on wisdom to our children. In this episode of the Retirement Answer Man Nichole Mills joins me to discuss career and retirement. Do...
Wed, 11 Oct 2023
806 - Wisdom for Our Children - Energy and Mindset
It is commonly said that youth is wasted on the young. Do you ever wish you could share the wisdom and perspective you have gained with someone young enough to benefit from it? As we approach our sunset years, many of us have a spiritual desire to...
Thu, 05 Oct 2023
805 - Should I Stop Contributing to My Pre-Tax Accounts?
What is the difference between a passion and an interest? Why is it important to have a passion in retirement? In the Bring It On segment with Mark Ross, we’re discussing passions. You’ve probably heard that it is important to have a purpose in...
Wed, 27 Sep 2023
804 - What Is the Ideal Mix Between Before and After Tax Retirement Accounts?
Is there an ideal mix of before and after-tax retirement accounts? If so, what is it? In this episode, we’ll find out. We’ll also explore a number of other questions that have been eating away at listeners like you. Check out this episode to...
Wed, 20 Sep 2023
803 - What Should I Consider When Transferring Investment Accounts?
What are you doing to make friends in retirement? Mark Ross and I explore this challenge in our Bring It On segment. Listen in to hear how I made a new friend this week and stick around to hear the listener questions and what you could be doing to...
Wed, 13 Sep 2023
802 - Should I Borrow Against My Investments to Buy a House?
Did you know that there is another way to borrow money to purchase a home that is not a mortgage? Larry is thinking about using a securities-based line of credit against his after-tax investment account to borrow to buy a house. Discover my opinion on...
Wed, 06 Sep 2023
801 - Should I Realign My 401K Now That I’m Retired?
To really rock retirement you have to have the right mindset. On this episode of Retirement Answer Man, Kevin Lyles and I noodle on the power of wonder. You’ll learn why it is important to have a sense of wonder and learn three tips for digging into...
Wed, 30 Aug 2023
800 - Historical vs. Projected Returns?
Should you use historical or projected returns in your retirement model? One of our listeners asks this question in a very eloquent way. On this episode of Retirement Answer Man, I’ll spend some time on this question and share my thoughts on...
Thu, 24 Aug 2023
799 - 500 Episodes and Still Rocking
Thank you for hanging in with me for 500 episodes! Today’s episode will veer a bit from the norm as I pause to reflect on our journey and commemorate it with this milestone episode. Listen in to hear my reflections and thoughts from listeners about...
Wed, 16 Aug 2023
798 - #499 - Should I Do a Roth Conversion?
Do you think the Roth conversion question is an essential part of retirement planning? If you do, you haven’t been paying attention to my podcasts! In this episode of the Retirement Answer Man show, we’ll work through how you can build a framework...
Wed, 09 Aug 2023
797 - The Impact of Alcohol on Rocking Retirement
Are you much of a drinker? Studies show that 60% of Americans are, and an even greater percentage of college-educated Americans are. In this episode, Dr. Bobby Dubois and I reflect on the effects of alcohol on retirement. We’ll get into everything:...
Wed, 02 Aug 2023
796 - The Rules for Roth Withdrawals
After listening to the past two episodes you now know how to make Roth contributions and conversions, that was the easy part. Today we discuss the more complicated Roth rules for making withdrawals. To avoid unnecessary penalties and taxes...
Wed, 26 Jul 2023
795 - The Rules for Roth Conversions
Many of us have missed the boat on Roth contributions, but we have another tool to get into Roths: Roth conversions. If you have been curious about all the hype about Roths you won’t want to miss this series. This month we dive deeper into...
Wed, 19 Jul 2023
794 - The Rules for Roth Contributions
So many economic predictions for the year have proved incorrect. Since even the brightest economists don’t have a crystal ball, planning your retirement based on economic, market, or investment predictions can lead you astray. Instead of...
Wed, 12 Jul 2023
793 - The Roth Opportunity
If you’ve been wondering how Roth IRAs work in retirement you’ve come to the right place. All this month we’ll be exploring Roth IRAs–how they work, the 5-year rule, and the differences between Roth conversions and contributions and Roth IRAs...
Wed, 05 Jul 2023
792 - How Can I Reverse Taking Social Security?
There are so many questions that come with retirement which is why I focus on answering questions from listeners like you. As you listen to these questions and their answers consider how they fit into your ultimate objective. Listen in to learn why...
Wed, 28 Jun 2023
791 - The KISS Concept for Investing
This podcast was created for you–not me. I’m here to help you think differently about retirement and find a concept or tool that will help you take action to rock retirement. I do this by answering your questions and bringing you content...
Wed, 21 Jun 2023
790 - How Listener Mike is Finding His Purpose in Retirement
The oldest person is 120 years old, but they probably didn’t have a plan to live that long. Many people don’t have a plan for the decades between 60 and 120. Do you? In this episode of the Retirement Answer Man show, you’ll hear from the CEO of...
Wed, 14 Jun 2023
789 - How Does the 5-Year Rule Work for Roth Conversions?
“If you are looking for someone to believe in, believe in yourself. The only authentic authority is your own original nature.” Vernon Howard Are you ready to start believing in yourself enough to rock retirement? If you have been following this...
Tue, 06 Jun 2023
788 - The 8 Pillars of Rocking Retirement: Non-Financial - Passion and Relationships
It’s time to wrap up the eight retirement pillars with the final two non-financial pillars: passion and relationships. In this episode, you’ll learn why happy people always have projects and what you can do to get started building your own...
Thu, 01 Jun 2023
787 - The 8 Pillars of Rocking Retirement: Non-Financial - Energy and Mindset
Rocking retirement requires focusing on both the financial and non-financial aspects of retirement. In we explored the four financial areas that help build a rocking retirement, and today, we begin to examine the non-financial areas starting...
Wed, 24 May 2023
786 - The 8 Pillars of Rocking Retirement: Financial - Resilience and Optimization
Rocking retirement requires getting your financial and nonfinancial ducks in a row. As we work through the 8 pillars of rocking retirement this month, we’ll explore both the financial and non-financial elements of retirement. This week, we’re...
Wed, 17 May 2023
785 - The 8 Pillars of Rocking Retirement: Financial - Vision and Feasibility
If you don't know where you are going any path will get you there. This is why it is so important to have a vision of where you want to go–you don’t want to end up anywhere! This series is dedicated to teaching you the 8 pillars to rock...
Wed, 10 May 2023
784 - The 8 Pillars of Rocking Retirement: How to Build a Retirement You Can Rock
This month we’re heading back to basics. All month long we’ll be building your foundational understanding of how to create a rocking retirement. If you’re new to the show, this is a fantastic starting point. If you are a long-time listener...
Wed, 03 May 2023
783 - How Should Spouses Claim Their Social Security Benefits?
How will Social Security benefits fit into your retirement equation? If you have a spouse, there is an added level of complexity when considering your Social Security claiming strategy. We explore this topic and more through listener questions...
Wed, 26 Apr 2023
782 - What Retirement Planning Software Should I Use?
If you are thinking about retiring in the next few years you’re probably wondering what the best tools are to help you plan. Finding the right retirement planning software can not only help you plan retirement but help put your mind at ease so that...
Wed, 19 Apr 2023
781 - How Do I Report a QCD on My Income Tax Return?
We continue our focus on you this month as we dive deeper into listener questions. Today we have a range of questions from various aspects of the retirement process. If you have a question you want to be answered, head on over to . You can type...
Tue, 11 Apr 2023
780 - I’m in My Fifties and Got Laid Off. What Should I Do?
All month long, I’ll be answering fantastic questions from listeners like you. Today, we’ll explore the steps you should take if you’re in your 50s and get laid off. Have you ever thought about what you would do in this situation? Listen...
Wed, 05 Apr 2023
779 - Widowed in Retirement: Wisdom from Those on the Journey
Reimagining life after widowhood can be challenging. In the beginning, it may seem like something that is impossible to imagine. Even if life seems insurmountable at the beginning, it is crucial to remember that someday you will be able to enjoy life...
Wed, 29 Mar 2023
778 - Widowed in Retirement: Creating a New You
Nobody wants to face life as a widow or widower. However, it is an unfortunate reality that many must face. Successfully navigating widowhood could be easier if you could prepare yourself in advance. In this Widowed in Retirement series, we aim to do...
Wed, 22 Mar 2023
777 - Widowed in Retirement: Navigating Financial Changes
If you are married, chances are you or your spouse will have to suffer through widowhood. The Widowed in Retirement series aims to help you navigate this difficult transition as best you can. Today, Mark Trautman joins me again to discuss how to work...
Wed, 15 Mar 2023
776 - Widowed in Retirement: Navigating Life Changes
Even though it is difficult to think about it, at some point, those of us who are married will have to think about one of you transitioning from two to one. This week we’re exploring the nonfinancial impacts of this transition with someone who...
Wed, 08 Mar 2023
775 - How to Rock Retirement on Your Own
If you have been listening to this show for a while, chances are you already know how to rock your retirement. However, this can all change with the loss of a spouse. All of your best-laid plans change in an instant. That’s why this month we are...
Wed, 01 Mar 2023
774 - Should I Rebalance My Portfolio Now?
Life is what happens to us when we are busy making other plans. This is especially true during transitions. As I transition to adding a new segment to this show, it’s gotten a bit messy. It’s been a bumpy road and not everything has gone according...
Wed, 22 Feb 2023
773 - What are Brokered CDs and How Do They Work?
Do you ever feel like a curmudgeon when you hear about new technology? Listen in to find out what has me putting on my sourpuss hat this week. We have a variety of interesting listener questions this week. Listen in to learn about purchasing brokerage...
Wed, 15 Feb 2023
772 - How Is Deferred Compensation Taxed When I Receive It?
Recently, we had the finale of the , so I want to share my observations on what we can all learn from Rosie’s experience. There was a lot to unpack from Rosie’s plan. Before we get to the Listener Questions segment, I’ll share my thoughts...
Wed, 08 Feb 2023
771 - How Do I Calculate the Decreased Social Security Benefit If I Retire Early?
I’m excited about our newest segment, Bring It On with Kevin Lyles. The Bring It On segment will discuss mindset and other non-financial aspects of retirement. In addition to our newest segment, today you’ll hear about the books I read in...
Wed, 01 Feb 2023
770 - Retirement Plan Live: The Impact of the Bear Market
Retirement can be tricky. There are so many unknowns, so preparing yourself mentally can be a challenge. Mental toughness is the ability to remain positive and proactive in the most adverse situations. Our Retirement Plan Live volunteer, Rosie,...
Wed, 25 Jan 2023
769 - Retirement Plan Live: Their Financial Resources
Take a breath, check yourself, and then observe where things are at. That’s what Rosie and I are doing on this episode of Retirement Plan Live. After the last episode in which Rosie planned out all her hopes and dreams for retirement, today...
Wed, 18 Jan 2023
768 - Retirement Plan Live 2023: Their Goals for Rocking Retirement
Setting big goals is great, but they have to be the right goals or else they could become a trap. Rosie joins us again today to set her retirement goals. In this episode, you’ll hear her financial goals for her needs, wants, and wishes. We’ll...
Wed, 11 Jan 2023
767 - Retirement Plan Live: Meet Rosie and Dwayne
Rosie and Dwayne retired in a bear market and now they wonder if they will have enough money to rock retirement. We will explore that question all month long in this Retirement Plan Live. Over the course of the next few weeks, you’ll learn...
Wed, 04 Jan 2023

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