The Retirement Roadmap Show with David Nagy

Avoid a stressful retirement by identifying the critical missteps that frequently derail long-term financial security. This episode breaks down the five most common planning blunders, from miscalculating healthcare costs to underestimating lifestyle expenses. Discover simple, proactive strategies you can implement today to protect your savings and build a bulletproof post-career roadmap.

This episode dives into the potential benefits and hidden risks of the latest Trump-aligned financial products and tax strategies for the average household. We break down whether these "Trump Accounts" offer a genuine path to wealth or a complex trap for family savings. Tune in to learn how to navigate the hype and protect your portfolio in a shifting political landscape.

While many investors fixate on market volatility, this episode reveals the hidden behavioral and structural traps that actually derail most long-term retirement plans. Tune in to discover the counterintuitive strategies you need to bulletproof your portfolio and ensure your savings outlast your career.

In this episode, we break down why the first five years of retirement can be the most critical to your long-term success. From sequence of returns risk to withdrawal strategies, we explore how early decisions can have a lasting impact on your financial stability. If you’re approaching or newly in retirement, this conversation offers practical insights to help you avoid costly missteps and stay on...

In this episode, we explore how the "three-legged stool" of retirement has crumbled, leaving modern retirees to navigate a volatile landscape of inflation and disappearing pensions without a safety net. We break down the psychological and financial pitfalls of DIY planning, illustrating why even the most disciplined savers often struggle to manage complex withdrawal strategies solo. Fina...

In this episode, we break down the "4% Rule" and other sustainable withdrawal strategies to help you determine exactly how much you can safely spend each year. We explore how to inflation-proof your portfolio and manage "sequence of returns risk" so that a market downturn early in your golden years doesn't derail your long-term security. Finally, we share practical steps f...

Many retirees struggle to prepare for late-life transitions not out of negligence, but because of a cognitive phenomenon known as psychological distancing. This episode explores why our brains categorize future healthcare needs and end-of-life logistics as "abstract threats," leading to chronic procrastination on essential legal and financial tasks. We provide actionable strategies to br...

This episode explores the idea that a successful retirement is often determined long before you stop working, drawing parallels between financial preparation and the meticulous staging of a professional race. We examine the critical "pre-race" decisions and foundational strategies that dictate whether your golden years will be a victory lap or a struggle to stay on track. Join us as we d...

This episode tackles the all-too-common paradox in the financial world: why professionals often fail to apply their own expertise to their personal affairs, encapsulated by the phrase, "The Cobbler Has No Shoes." We specifically focus on the critical need for financial advisors and successful business owners to prioritize and finalize their own robust legacy planning, including wills, tr...

This episode dissects the powerful financial strategy of Roth conversions, a tool that can help you pay taxes on your retirement savings at today's rates instead of tomorrow's. We'll explore how strategically converting funds can prevent your income from being pushed into a higher tax bracket in retirement. Tune in to learn how to seize this opportunity and avoid leaving valuable ta...

This episode unpacks why hitting pause for a mid-year financial review isn't just a good idea, it's essential for staying on track. We'll guide you through practical steps to assess your progress, make necessary adjustments, and set yourself up for financial success in the latter half of the year.

We dive deep into the often-overlooked power of asset allocation within your retirement plan. Discover how strategically balancing different investment types, even within your 401(k)'s limited options, can significantly boost your long-term growth. We'll break down practical steps to optimize your portfolio and avoid common pitfalls, helping you maximize your journey to financial indepen...

This week, we dive into the crucial question of retirement timing. We'll explore key factors like your current savings, potential future earnings, and the ever-shifting landscape of the economy to help you decide if now is the right time or if a few more years could make all the difference.

In this episode we break down what's going on with the tariffs, the markets and what you can do to weather the ups and downs.

In this episode we welcome Gradient Investments senior portfolio manager Keith Gangl to talk about the current market situation and where we might be headed, as well as solid strategies to deal with volatility.

In this episode we talk about the changes and updates to Social Security and what they could mean for you.

Explore how to pursue investment growth while implementing crucial "guardrails" to manage risk and protect your portfolio. We delve into smarter investment strategies that balance potential returns with downside protection, such as diversification, asset allocation, and risk management techniques. Learn how to build a resilient portfolio that aims for growth without unnecessary exposure...

In this episode, we delve into the often-misunderstood question of retirement savings, exploring beyond the common rules of thumb to uncover personalized calculations. We'll break down essential factors like inflation, healthcare costs, and desired lifestyle to provide a realistic roadmap for your financial future. Finally, we'll discuss actionable strategies to bridge any potential gaps...

In this episode, we delve into the complex landscape of financial decisions that arise after the loss of a loved one, covering everything from estate settlements to managing inherited assets. We'll discuss practical steps for navigating probate, understanding tax implications, and making informed choices about investments and debt. Join us for a compassionate conversation on how to honor your...

In this episode, we dissect the recent market swings and persistent recession anxieties, revealing the strategies we employ to help our clients maintain composure. We'll explore how a long-term, diversified approach, coupled with proactive risk management, allows them to navigate uncertainty without panic. Finally, we'll share actionable insights for listeners to build a resilient portfo...

In this episode, we delve into the updated contribution limits for retirement accounts in 2025, providing actionable strategies to maximize your savings. We'll break down the nuances of 401(k)s, IRAs, and other retirement vehicles, highlighting key changes and potential tax advantages. Learn how to optimize your contributions and build a robust retirement nest egg for a secure future.

In this episode, we'll dive into essential year-end financial strategies to help you maximize your savings and minimize your tax burden. We'll discuss topics like tax-loss harvesting, retirement contributions, and end-of-year charitable giving. Tune in to learn how to set yourself up for financial success in the coming year.

In this episode, we delve into the financial implications of downsizing your home or relocating in retirement. We'll discuss the potential cost savings, tax benefits, and lifestyle advantages of these strategies. Join us as we weigh the pros and cons to help you make informed decisions about your retirement living arrangements.

In this episode, we'll delve into the world of living trusts. We'll break down what a living trust is, how it works, and the benefits it can offer. We'll also discuss the potential drawbacks and when it might be a good fit for your financial plan.

As the year draws to a close, there are several strategic moves you can make to boost your retirement savings. In this episode, we'll discuss the importance of year-end contributions to your 401(k) and IRA, explore the benefits of tax-loss harvesting, and offer insights on Roth conversions for potential tax savings. Tune in to learn how to make the most of your retirement funds before the yea...