Retirement Starts Today Radio

Recent legislation has made everyone’s favorite college savings plan a little more flexible. Funds in a 529 plan aren’t as locked up as they used to be now that your children’s unused college funds can be rolled into a retirement account. In this episode, we’ll discuss an article from the White Coat Investor which explores […] The post The 529 to Roth IRA Rollover, Ep # 343  appeared first o...

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 a TEDx talk about […] The post The 4 Phases of Retirement, Ep #342 appeared first on Retirement Starts To...

Due to last year’s poor market returns, you’ve probably seen the headlines that the 60/40 portfolio is dead. But is that really the case? This week’s retirement headline explores the history of this classic retirement investment strategy. After we tackle the headlines, Bret and I team up to consider the best places to move in […] The post A Short History of the 60/40 Portfolio, Ep #341...

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 that you don’t drive […] The post 8 Ways to Become Poor in Retirement, Ep #340 appeared first...

We all want to retire, but have you considered how you would like to transition to retirement? This week’s retirement headline article shares some interesting statistics on phased retirements: who is thinking about them, who is utilizing them, and what people think about them. Listen in to learn the findings. Then stick around for our […] The post More Than Half of Americans Want to Retire G...

Once upon a time, there was a prediction that the baby boomer generation would face a retirement crisis. So how did this gloom and doom projection turn into the wealthiest generation in history? Listen in to find out. Make sure to stay tuned for the listener question: What is the best way to fund a […] The post The Retirement Crisis That Wasn’t, Ep #338 appeared first on Retirement Starts To...

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 strategies, such as guardrails, […] The post...

Is it possible to suddenly step away from a high-powered job and into a life of leisure? This may not be the best idea for your retirement if you work at the executive level. In this episode of Retirement Starts Today, we’ll explore an article from Harvard Business Review that outlines several pitfalls that could […] The post The Challenges of Retiring from a High-Powered Job, Ep #336 appear...

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 to learn five expenses […] The post 5 Expenses Retirees Wish They Spent More Money On, Ep # 335  appeared f...

If you want to spend more money in retirement you’ll want to understand how to maximize your Social Security benefits. Many people think that there is no going back once you’ve decided to collect your Social Security benefits. However, today’s retirement headline discusses two options in case you’d like a do-over. In our listener question […] The post 2 Social Security Mulligans, Ep # 334 ap...

Tax season is here so when I found this article from Morning Star to share some tax tips for you. Your tax bill will be the largest bill you pay in retirement. If you want to reduce it, make sure to press play. Helping clients save money on taxes and avoid common investment mistakes is […] The post Save Money with These Tax Tips, Ep #333 appeared first on Retirement Starts Today Radio .

Some tax breaks aren’t worth the hassle of pursuing them, however, today’s example is definitely worth the hassle! If you are charitably minded you’ll want to listen to learn about the advantages of making qualified charitable distributions. Discover how to increase your standard deduction while enjoying charitable tax benefits. Stick around for the listener question […] The post A Tax Break...

Planning retirement spending is tough to do since there are so many unknowns. Many people tend to take a fear-based approach and rely on the 4% rule. Some even take a step further and spend less of their nest egg. Today’s Retirement Headline urges you to take a different approach. Listen in to hear what […] The post We Need to Talk About Your Retirement Spending, Ep #331 appeared first on Re...

I don’t know about you, but I want to stay active and healthy for as long as possible. That’s why when I saw this Forbes article I knew I wanted to share it with you. If you want to learn how to age gracefully and maintain your vitality, you won’t miss this episode. Then, stick […] The post I Don’t Want To Be Old When I Am Old, Ep # 330 appeared first on Retirement Starts Today Radio .

Most people are worried about spending too much and running out of money in retirement. However, few people worry about spending too little. In this week’s episode of Retirement Starts Today, you’ll learn why you should spend your principal in retirement. Our retirement headline comes from Dr. Jim Dahle at the Whitecoat Investor and shows […] The post Spend Your Principal! Ep #323 appeared f...

Would you like to have more confidence in your retirement plan? In the retirement headlines segment, you’ll learn one simple way to increase your certainty about what you can accomplish in retirement. In the listener questions segment, Bret helps answer what the essential aspects of an estate plan include. If you are ready to get […] The post Boost Your Retirement Confidence by 17% with One...

Do you wish you had more optionality when it comes to designing your retirement? In this episode of Retirement Starts Today, we’ll explore an article from Forbes that poses five alternatives to the 4% rule that you may want to explore for your retirement withdrawal strategy. In our retirement headlines segment Bret and I team […] The post 5 Alternatives To The 4% Retirement Withdrawal Rule,...

What happens if you get to retirement age and realize that you saved too much? Believe it or not, this does happen and has its own set of problems. In this episode, we’ll explore those problems along with some potential solutions. Stick around until the end of the episode to hear our listener question about […] The post I Saved Too Much for Retirement, Ep # 320  appeared first on Retirement...

Would you like to make $170,000? On this episode, you’ll learn what you can do to save yourself 17% in lower returns over a decade. On a million-dollar portfolio that comes to $170,000! In the Retirement Headline segment, we’ll dive into an article from Financial Advisor Magazine which explores Morningstar’s annual Mind the Gap study analyzing the […] The post Bad Timing Cost Fund Investors...

Have you thought about using your home’s equity to help you fund a portion of your retirement? In this episode of Retirement Starts Today, we’ll explore a Morningstar article that examines ways to use this supersized emergency fund. If you are ready to start thinking about retirement outside the box, listen to this episode to […] The post Ways to Use Home Equity in Retirement, Ep #318 appear...

Do you remember when you were a kid and were fascinated by the thought of living to be 100? It seemed like such a far-fetched idea, but now with advances in technology, nutrition, and medicine, this far-flung notion increasingly seems like a real possibility. As you may have guessed, today’s retirement headline discusses planning to live until […] The post Plan on Living to 100, Ep # 317 app...

Medicare’s open enrollment is starting soon, so I’ve invited Danielle Roberts from Boomer Benefits to join me today. In this episode, we’re discussing what’s new with Medicare in 2024, the important dates to remember for open enrollment, when to reevaluate your health insurance options, and how to ensure you have health coverage when traveling abroad […] The post Traveling After 65 with Dani...

As retirement super savers, you all know that slow and steady wins the race. According to this Wall Street Journal article, that race is paying off again for many Americans. In the retirement headlines segment, we’ll take a look at this article. Then in the Listener Questions segment, Bret and I will discuss the merits of […] The post 401K Millionaires are Back! Ep # 315  appeared first on R...

Even if you aren’t familiar with Monte Carlo analyses, you’ve probably used it. Monte Carlo drives math behind the retirement planning software that you use. Monte Carlo software is truly amazing, however, the way people look at it is wrong. In this episode, you’ll hear the pros and cons of Monte Carlo analysis and how […] The post The Problems with Monte Carlo Are in Your Mind, Ep #314 appe...

Aretha Franklin can teach you more than a little R-E-S-P-E-C-T. On this episode of Retirement Starts Today, you’ll learn from her estate plan (or lack thereof). After hearing about this estate plan gone haywire Bret and I will team up to answer a listener’s question on how you can transition from a saving to a […] The post Why Are the Notes Found in Aretha Franklin’s Couch a Valid Will? Ep #...