Retirement Results Podcast

Are today’s tax rates the lowest you may see in retirement? Dan Groben and Phil Minard discuss why Roth accounts are attracting attention from both Gen Z investors and retirees. They explore the factors driving interest in Roth conversions, how taxes can affect retirement income, why withdrawal strategies matter, and situations where a Roth conversion may or may not make sense. The conversat...

What if the "safe" side of your retirement portfolio isn't as safe as you think? Dan Groben and Phil Menard examine whether the traditional 60/40 portfolio still works in today's market and why bonds may present challenges that many investors overlook. They discuss interest rate risk, the impact of inflation, and how fixed indexed annuities are often used as an alternative for portfolio protection...

What if the retirement date you’ve been assuming for years is much closer than you think? Dan Groben and Phil Menard share a real-life case of a saver who expected to work until age 70, only to discover a different path after building a detailed retirement income strategy. The conversation explores retirement income planning, replacing pensions, Roth conversions, tax efficiency, longevity ri...

What if your “diversified” portfolio is secretly riding on just a handful of stocks? Dan Groben and Phil Menard break down how persistent inflation impacts retirement plans and why true diversification matters more than ever. They explore hedging strategies using assets like commodities, real estate, and balanced allocations, while revealing how overlapping mutual fund holdings can con...

Fees could be quietly draining your retirement account without you realizing it. This episode breaks down how investment fees show up, often hidden in fund expenses, commissions, and 401(k) structures, and why many investors struggle to identify what they’re actually paying. The conversation explores simple benchmarks, like comparing total costs to industry averages, and highlights the impor...

What if moving your retirement money could quietly limit your options or create unintended consequences down the road? This episode explores a potential rule change that would allow Roth IRAs to move into workplace plans, and why that shift may not be as simple as it sounds. The conversation breaks down the trade-offs between consolidation and flexibility, highlights how investment choices can shr...

Think a backdoor Roth is a simple workaround? Think again. In this episode, Dan Groben and Phil Menard break down how backdoor Roth strategies really work, why they’re just a traditional IRA contribution followed by a conversion, and the small missteps that can trigger big tax consequences. They discuss income limits, pro rata rules, and the importance of understanding your full financial pi...

A 40-year retirement sounds like a stretch, until you realize it’s already happening. This episode explores how longer lifespans are reshaping retirement planning, from managing decades of income needs to navigating rising healthcare costs and inflation. The conversation highlights why relying on market performance or old rules of thumb can leave gaps, especially as pensions become rare and...

What if the “safe” part of your portfolio isn’t actually safe anymore? This episode breaks down why annuities are making a comeback as retirees face rising inflation, market volatility, and potential Social Security cuts. The conversation highlights how modern fixed index annuities differ from outdated versions, offering income protection without market or interest rate risk. Rea...

Your portfolio can quietly drift into dangerous territory without you realizing it. This episode of the Retirement Results Podcast explores portfolio rebalancing and why many investors nearing retirement unknowingly take on more risk than intended. The conversation breaks down how strong-performing sectors can overwhelm diversification, how risk tolerance shifts as retirement approaches, and why u...

After years of strong market performance, retirement confidence is rising—but is that confidence leaning too heavily on recent gains? The conversation explores why market-driven optimism can be misleading and how short-term growth doesn’t always line up with long-term retirement needs. The discussion covers volatility, income uncertainty, Social Security concerns, inflation, and why re...

When headlines get louder and money floods the market, is that noise worth paying attention to? In this episode of the Retirement Results Podcast, Kasey sits down with financial advisors Dan Groban and Phil Menard to unpack the Wall Street concept known as “dumb money.” They discuss why late-stage investor enthusiasm often shows up near market turning points, how volatility affects tho...

A country music love story intersects with faith, resilience, and purpose beyond the stage. Dan Groban and Phil Menard sit down with legendary artists TG Sheppard and Kelly Lang to explore life behind the spotlight—marriage in the music business, creativity as a duo, surviving cancer, and the causes that now guide how they give back. From stories about Elvis to Christmas trees that never lea...

What does a number-one hit teach you about never really being finished? In this episode of The Retirement Results Podcast , Dan Groban and Phil Menard sit down with legendary songwriter and guitarist Steve Wariner for a wide-ranging, personal conversation. Steve reflects on chasing creativity long after career milestones, the stories behind his biggest songs and awards, and why giving back has rem...

The pressure ramps up as retirement gets closer—and one wrong move can change everything. Using a March Madness-style analogy, the conversation breaks down why confidence in retirement isn’t about hitting a magic number, but about how income is structured once paychecks stop. The discussion centers on covering essential “gotta-have” expenses with reliable income sources, ad...

A looming shift in Social Security has many retirees rethinking their income plans sooner than expected. In this episode of the Retirement Results Podcast, Dan Grobe n and Phil Menard unpack a new Congressional Budget Office report projecting earlier trust fund depletion and a potential reduction in benefits. They discuss what this means for people nearing retirement, how Social Security fits into...

Trying to time the market during wild swings can feel tempting—but for retirees, it can quietly do real damage. On this episode of The Retirement Results Podcast , Dan Groben and Phil Menard break down why missing just a handful of key market days can derail long-term returns, especially when withdrawals begin. They explain sequence of return risk, the importance of proper asset allocation,...

What if retiring at 65 is no longer the smartest plan? On this episode of the Retirement Results Podcast , the team reacts to comments from Larry Fink of BlackRock and unpacks why longevity, Social Security uncertainty, and career disruption are reshaping retirement planning. Financial advisors Dan Groben and Phil Menard explain why modern retirement requires flexibility, margin, and preparation f...

Can artificial intelligence really replace a human financial advisor in retirement planning? In this episode of the Retirement Results Podcast , the conversation digs into how AI tools are being tested against robo‑advisors—and where they fall short. Advisors Dan Groben and Phil Menard explain how they use AI to analyze data faster and manage risk more efficiently, while highlighting why tec...

Gold hits record highs, and suddenly everyone’s asking whether it belongs in a retirement plan. In this episode of the Retirement Results Podcast , Dan Groben and Phil Menard unpack the real-world pros and cons of gold, especially gold IRAs. They break down common misconceptions, hidden penalties, and why some investors end up disappointed years later. The conversation expands into smarter d...