Ironclad Retirement

Bestselling Author and Retirement Planning Expert, Matt Richman, explains that you don’t retire on a lump sum—you retire on steady, predictable income. He outlines how to lock in a base lifestyle with guaranteed, pension-like income and then layer on an “income calibration system” that builds in future raises to keep up with inflation. The goal: no more fear of running out of money, and no more gu...

Bestselling Author and Retirement Planning Expert, Matt Richman, shows how grandparents can ease the pressure on their adult children and set grandchildren up for a stronger financial future by funding education smartly. He explains how 529 plans reduce stress on the “sandwich generation,” and how new SECURE Act rules allow unused 529 money to be rolled into a Roth IRA—giving grandkids a huge head...

Bestselling Author and Retirement Planning Expert, Matt Richman explore's the difference between inheritance and legacy. They discuss giving while living, funding experiences like trips and milestones, modeling wise money behavior, and starting traditions that can last for generations. Matt highlights how a written retirement plan frees you to be present instead of preoccupied.

Bestselling Author and Retirement Planning Expert, Matt Richman, gives a high-level overview of the SECURE Act and SECURE Act 2.0, focusing on practical implications instead of tax-code jargon. He covers new RMD ages, the 10-year rule for most inherited IRAs, expanded Roth features at work, and the powerful new ability to roll some unused 529 plan funds into a Roth IRA for the beneficiary.

Bestselling Author and Retirement Planning Expert, Matt Richman, shares how most inheritances in the U.S. are gone within about 18 months and explains why leaving large qualified (pre-tax) accounts to children can be one of the costliest ways to pass on wealth. He contrasts IRA/401(k) money with brokerage assets that get a step-up in basis and shows how to structure withdrawals and beneficiaries m...

Bestselling Author and Retirement Planning Expert, Matt Richman, explains that many retirees unintentionally spend huge chunks of their “golden years” managing accounts, bills, taxes, RMDs, Medicare choices, and paperwork. He shows how to outsource low-value tasks and build systems around income, RMDs, and Medicare so you can focus on memories and experiences instead of money chores. He unpacks wh...

Bestselling Author and Retirement Planning Expert, Matt Richman, breaks down the three jobs of retirement money—liquidity, growth, and safety of principal—and explains why no single account reliably delivers all three at once. Listeners will learn how common vehicles trade strengths: investment accounts provide access and growth potential but risk principal, savings and checking accounts keep mone...

Bestselling Author and Retirement Planning Expert, Matt Richman, unpacks “The Retirement Deception,” the dangerous assumption that you can keep doing in retirement what you did during your working years with your 401(k) and investments. Using a simple car analogy, they explain why accumulation and decumulation require different “vehicles,” how sequence of returns risk can wreck your plans, and why...

In this episode, Bestselling Author and Retirement Planning Expert, Matt Richman and Michael DeLon unpack the mental shift from decades of accumulation to the decumulation phase of retirement. They explore the real risks retirees face—longevity, markets, inflation, and long-term care—and show how a personalized income plan can turn fear into freedom so you actually enjoy the time you worked so har...

Bestselling Author and Retirement Planning Expert, Matt Richman, shares the benefits of giving during your lifetime instead of waiting until you pass away. Giving is not just financial.... Listen to this episode and you'll gain a new vision of generosity so you can be giving while you're living.

Bestselling Author and Retirement Planning Expert, Matt Richman, shares the strategy of deciding when to begin taking your Social Security benefits. There are many factors involved that you need to consider so that you can gain the greatest benefit in the short term and long term.

Bestselling Author and Retirement Planning Expert, Matt Richman, shares the truth about long-term care planning. Statistically, this will happen to 70% of people over 65 in some form. This is a must-listen-to episode so that you can prepare for the future properly.

Bestselling Author and Retirement Planning Expert, Matt Richman, shares how to create both Paychecks and Playchecks in retirement. Your regular income does not need to stop when you retire. In this episode, Matt explains more about creating your Retirement Paycheck.

Bestselling Author and retirement planning expert Matt Richman shares the concept of retiring to something more than from something. What is your purpose in retirement? What is your fulfillment beyond money? What memories do you want to make? Listen to this episode and you'll better understand your WHY of Retirement.

Bestselling Author and Retirement Planning Expert, Matt Richman, shares what happens to your income - especially Social Security - when one spouse passes away. Without proper planning, you may see much of your income go away. Listen to this episode to learn what can happen and how you can prepare for this.

Listen as retirement planning expert Matt Richman talks about the time in your planning when you can't make a mistake. Similar to the red zone in football, there's a time when you cannot afford a mistake. Listen as Matt shares when the Retirement Red Zone happens and what you need to do to prepare properly.

Listen as retirement planning expert, Matt Richman talks about what you should do to reclaim the funds in a retirement plan from a former employer. This is a common experience that can impact your retirement. Listen as Matt shares what you can do if you find yourself in this situation.

Listen as retirement planning expert Matt Richman discusses why inheriting money triggers a tax bill that you may not be expecting. Listen to this and you'll be better equipped to pay fewer taxes on inherited money.

Listen as retirement planning expert Matt Richman explains how the Secure Act has changed and what impact this may have on your retirement. Be sure that you listen to this so your future is safe and secure.

Listen as retirement planning expert, Matt Richman talks about the tax impact of giving money now &/or later. Your kids will enjoy your money more now by making memories that you both can enjoy instead of waiting until you pass away. Listen to this and you'll understand how to give while you live.

Listen as retirement planning expert Matt Richman talks about practical ways you can give your grandkids a step up in life. This is a great episode that will help you give while you live.

Listen as retirement planning expert Matt Richman shares some ideas on the purpose of your money and whether you should give some to your kids now or later. This is an important topic that can have sa ignificant impact on your family and the taxes they have to pay.

Listen as retirement planning expert Matt Richman introduces you to "Aunt IRMAA" and how she can impact your retirement income. Aunt IRMAA is part of the government and stands for: Income Related Monthly Adjusted Amount. This is another way for the government to get more of your money. Listen to Matt and prepare yourself to un-invite Aunt IRMAA to your annual family picnic.

Listen as retirement planning expert Matt Richman explains why Uncle Sam is your silent partner in retirement. He's waiting to get "his share" of your money. There are ways to pay Uncle Sam less, but you need to do it the right way. Listen to Matt as he shares some proven ways to disinherit Uncle Sam so you can keep more of the money you've saved.

Your money should be in both of these places. Listen to Matt explain the priority level and process of having enough of your money in Safe Money areas and other money in the market. These are not opposing alternatives but can actually work together to help you live the best retirement ever.