The Retirement Risk Show

As the New Year approaches, Dave brings back on Brian Britt to tackle essential year-end financial strategies to bolster retirement plans. In this episode offers a wealth of information and practical advice for those looking to assess their financial fitness and ensure their retirement roadmap is on point. Throughout the conversation, Dave and Brian explore key areas such as managing holiday expen...

On this exclusive episode, Dave is diving into key topics that can make or break your retirement experience. He shares insights on how to optimize Social Security benefits, manage tax liabilities, and navigate those unpredictable market swings that can impact your portfolio. He also breaks down the importance of establishing a safe withdrawal rate to ensure your funds last as long as you do. But t...

This episode is a real treat--packed with foundational information for your 2025 retirement planning! Dave brings back Alisha Wright, and they delve deep into the pivotal Social Security and retirement planning aspects that every listener should know. The discussion starts with an exploration of the earnings test and how surpassing specified income thresholds can reduce benefits for the individual...

A special episode for you here... Dave Hall takes on the formidable financial challenges that retirees and those on the brink of retirement must navigate.  Dave offers a serious analysis of the United States' fiscal health, advocating for sweeping reforms, such as significant cuts in government spending, the establishment of a Statutory Fiscal Sustainability Commission, and the introduction o...

In this episode, Dave addresses one of the most critical and complex elements of retirement planning: Medicare-- delving into the intricacies of Medicare Advantage plans under Part C, understanding the distinct differences between Parts A, B, and D, and recognizing the severe financial implications of missing key enrollment deadlines. The episode will discuss why nearly half of Americans turn to M...

Joining the conversation is Erica Hunter, a junior advisor with Retirement Risk Advisors, who brings a wealth of insights and expertise to the table. Together, they revisit their experiences preparing for catastrophic hurricanes in Puerto Rico, underscoring the vital importance of continuous and meticulous planning in relations to Risk-Based Lifestyle and Legacy Planning.  The episode delves into...

Welcome to another episode of The Retirement Risk Show ! Hosted by Dave Hall, he brings back Alisha Wright to finish this duology that delves into essential strategies for securing a comfortable and risk-free retirement. In today's episode, Dave and Alisha turn their attention to the often-overlooked issue of cognitive decline and its impact on retirement planning. Listeners will learn about...

Dave Hall and Alisha Wright delve into the pressing issue of elder care planning in retirement. It is a critical area that needs strategic financial planning to prevent running out of retirement funds. They emphasize maximizing Social Security benefits and considering annuities for a stable income. The discussion also highlights elder financial abuse and the importance of protective measures again...

Dave brings back Brian Britt this week to discuss cash flow planning in retirement planning. The chat covers the challenges of transitioning from wealth accumulation to distribution, the significance of guaranteed income, and the impacts of market volatility and inflation on retirees. They also delve into the decline of traditional pensions, strategies for maximizing Social Security benefits, and...

In this episode, you are treated to a deep dive into the complexities of retirement planning. This episode is especially critical for those who are nearing the final stretch of their careers and looking to maximize their retirement contributions over the last decade. Dave methodically breaks down the array of retirement accounts available, from traditional IRAs and Roth IRAs to 401Ks and the incre...

Dave explains what RMDs are, why they matter, and how recent changes in the law have affected when retirees must start taking these distributions from their tax-deferred retirement accounts. Throughout the episode, Dave covers various strategies to manage RMDs effectively, such as drawing down accounts early, doing Roth conversions, continuing to work, donating to charity, and using qualified long...

In this week's episode, Dave delves into the critical role of trusts in estate planning. Trusts help control asset transfers, limit taxes, and prevent family disputes. They are essential for prenuptial planning, protecting assets for biological children in second marriages, and planning for incapacity with financial power of attorney. Dave illustrates the benefits of trusts through personal a...

Dave Hall explains the intricacies of setting up beneficiaries for your retirement accounts, including the importance of careful planning to avoid tax problems and family disputes. Dave highlights real-life examples where poor planning led to unnecessary legal fees and strained family relationships, emphasizing the need for regularly updated beneficiary forms. He offers insights into the specific...

Dave Hall sits down with the best-selling author of "The Power of Zero", David McKnight, to tackle some of the most pressing financial challenges facing Americans today. Together, they dive deep into the potential impacts of rising tax rates proposed by figures like Joe Biden and the crucial need for revenue increases paired with reduced spending—a nod to Reagan-era strategies. They expl...

In this episode, Dave is talking all things reverse mortgages with Steve Resch, the VP of Retirement Strategies over at Finance of America Reverse. Forget what you thought you knew—Steve's here to clear up the myths and show how reverse mortgages can actually be a game-changer for your retirement plan. We’ll dive into everything from lending limits and loan options to how these mortgages can...

In this serious and informative installment, Dave Hall and Retirement Risk Advisor Brian Britt delve into the intricate world of retirement planning, focusing on the comparative safety and potential returns of insurance policies versus the stock market. Brian Britt provides expert analysis on how cash value life insurance policies offer a unique guarantee from insurance companies, often proving sa...

In this episode, Dave explores the importance of outlining significant future expenditures and mapping out financial needs for the next 10 to 20 years. The discussion highlights the necessity of diversifying income sources, including Social Security, pensions, rentals, and investments, to mitigate financial risks. Tax planning is a key topic, with insights on minimizing future tax burdens through...

Today, we're tackling an especially important topic for anyone thinking about retirement: how much can you safely withdraw from your savings each year without the fear of running out? It's a hot debate and Dave is here to guide us through the conservative versus aggressive withdrawal strategies, their risks, and their benefits. We're also diving into the stir caused by Dave Ramsey&a...

Dave says in this week's episode: "And for some [elders and retirees], it's a time of great loneliness. You've gotten to a point where maybe your whole working career, you were in an office or an environment where you were around people all the time, and now you're home, and all of a sudden those people aren't there every day."  Join Dave as he breaks down an eye...

This episode of the Retirement Risk Show dives into the looming concern of long-term care and rising medical costs. Dave Hall, alongside Brian Britt, addresses a significant retirement challenge—managing the costs of long-term care. Amidst a declining long-term care insurance market, they discuss innovative insurance solutions and the advantageous chronic illness riders now available. Their conver...

In this episode, Dave brings to light the daunting reality of retirement — a period that could span decades, and highlights the essential resources available on retirementriskadvisors.com, designed to help you navigate retirement risks. As the episode unfolds, Dave and Alisha explore one of the top financial risks retirees face: Social Security. They discuss why the system seems shrouded in comple...

In this episode, we take a deep dive into the timeless investing wisdom of Warren Buffett, as presented by retirement risk expert, Dave Hall. Through an in-depth exploration of Buffett's top ten investing tips, we unravel the profound insights on risk management, investment temperament, and the value of sound decision-making. Join us as we dissect these crucial principles and examine their po...

In this episode, Dave Hall continues the conversation with Brian Britt about the various risks and challenges people face in retirement, particularly focusing on longevity and the crucial role of annuities in providing a secure and lasting income. Brian explains the evolution of annuities, highlighting their transformation from high-fee products to reliable, no-load financial planning tools. The d...

In this episode, Dave Hall and Brian Britt delve into the critical topic of longevity risk in retirement. They dissect the financial implications of extended life expectancy and the inadequacies of relying solely on Social Security for retirement income. The conversation underscores the importance of seeking professional financial guidance and building a reliable support system for a success, last...

Dave Hall delves into the critical topic of tax rate risk in retirement. With over 30 years of tax expertise, he breaks down the various taxes retirees may face, from federal and state taxes to capital gains, net investment tax, and more. Dave emphasizes the importance of strategic tax planning, including Roth conversions, Social Security taxation, and the impact of charitable contributions on ret...