The Retirement Spectrum

The market may be dipping, but your retirement doesn't have to. In this episode of The Retirement Spectrum , host Alan Cohen breaks down the "June swoon" and explain why a shifting market calls for cautious, broader investing. He debunks the myth of a boomer-driven market crash and tackle the real threats to your nest egg: rising taxes and unexpected dental or healthcare expenses. Discover how str...

Did you know that 70% of retirement plans that fail do so within the first five years? In this episode of The Retirement Spectrum , financial advisor Alan Cohen breaks down why the early years of retirement are the most critical and how "sequence of returns risk" can silently jeopardize your life savings. Discover why traditional strategies like sitting on cash or relying on aggressive withdrawal...

Is your retirement strategy ready for a choppy market and unexpected spending? On this episode of The Retirement Spectrum , host Alan Cohen breaks down recent market volatility fueled by major IPOs like SpaceX and explains why self-directed retirees frequently underestimate their post-career expenses. Discover the mechanics of 401k matches, the strategic benefits of timely Roth conversions to miti...

Is your retirement strategy ready for a wild summer ride? The S&P 500 recently shattered records by crossing the 7,600 mark, but host Alan Cohen warns that a major uptick in market volatility is on the horizon. From the impact of a new Fed chair to rising interest rates and geopolitical tensions, this episode breaks down why traditional economic metrics are shifting. Learn how to protect your...

Is your retirement strategy built on a financial optical illusion? As the S&P 500 hits record highs, Spectrum Wealth Partners’ Alan Cohen explores why massive market momentum might actually signal time to take chips off the table. He breaks down the hidden risks of popular "set-it-and-forget-it" target date funds, reveal why high interest rates have created a golden age for self-funded p...

Navigating historical midterm volatility and shifting market headlines can make transitioning from a steady paycheck to self-funding retirement feel incredibly daunting. Host Alan Cohen explores practical defensive strategies, like balancing dividend-growth stocks, utilizing high-rate protective annuities, and mapping out multiple income streams. Discover how working your financial numbers backwar...

Is your retirement strategy accelerating toward growth or slamming on the brakes for safety? On this episode of The Retirement Spectrum , host Alan Cohen unpacks the modern investor's biggest dilemma: capturing market highs while shielding your nest egg from sudden downturns. Discover why the traditional 60/40 portfolio might be a mistake, how to navigate sneaky but legal backdoor Roth conversions...

Stop letting market headlines dictate your financial future while the "noise" of volatile cycles keeps you awake at night. In this episode of The Retirement Spectrum , Alan Cohen breaks down why the current bull market may have more room to run and how to shield your portfolio from the inevitable 10% drawdowns. From the power of "refinancing" older annuities for higher income to the critical impor...

Are you sprinting toward the retirement starting line or cautiously tiptoeing into the unknown? On this episode of The Retirement Spectrum , Alan Cohen breaks down why the "Sell in May" myth rarely holds up and how to build a paycheck that lasts. From the power of dividend aristocrats to the math behind Roth conversions, we explore how to turn your savings into a reliable income stream. Whether yo...

Is your 401(k) truly ready to support you for the next twenty years, or are hidden tax traps and market volatility waiting to derail your future? In this episode of The Retirement Spectrum , Alan Cohen explores why reaching age 73 could mean a surprise bill from Uncle Sam and how a Roth conversion might be your best defense against rising deficits. From the "buy the dip" myth to the power of divid...

Imagine walking away from your career only to find the "finish line" for your savings keeps moving further away. In this episode of The Retirement Spectrum , Alan Cohen explores how to manage market volatility and the anxiety of outliving your money. Using a clever baseball metaphor, Alan explains why hitting "singles and doubles" with dividends and bonds is often more effective than swinging for...

Volatility isn't just a market trend; it's the toll you pay for long-term retirement success. In this episode of The Retirement Spectrum , Alan Cohen dives into the shifting financial landscape of 2026, from the complexities of applying for Medicare to the "sticker shock" of rising inflation. Alan breaks down his "defense-first" strategy, explaining how to use dividend-growth stocks and protective...

Is your retirement plan built to withstand a global energy crisis or a 20% market correction? This week on The Retirement Spectrum , Alan Cohen of Spectrum Wealth Partners breaks down how geopolitical tensions and rising interest rates are reshaping the financial landscape. From the "sweet spot" for Roth conversions to the power of protective growth investments, Alan explores strategies to help yo...

In this episode of The Retirement Spectrum , host Alan Cohen explores why the current "March Madness" in the stock market doesn't have to mean a losing bracket for your nest egg. Drawing parallels between college basketball and market volatility, Alan breaks down the "Spock-like" logic needed to navigate shifting oil prices and high-interest rates. Discover the "Slam Dunk" strategies of retirement...

Volatility in the market doesn't have to mean volatility for your future. In this episode of The Retirement Spectrum , Alan Cohen dives into the realities of modern retirement planning, from the impact of global conflicts on your portfolio to the "sale" on taxes currently available through Roth conversions. Alan debunks the myth of decreasing expenses and explores the "three-bucket" strategy desig...

Gemini said Market shifts don’t wait for your permission, and 2026 is already proving that "panic is not a strategy." In this episode of The Retirement Spectrum , Alan Cohen breaks down the recent surge in market volatility fueled by global events and the historical patterns of midterm election years. From the "hidden" $80,000 cost of early retirement healthcare to the math behind keeping yo...

You’ve spent decades building your nest egg, but do you have a plan to protect it from the "distribution phase" traps that catch most retirees off guard? In this episode of The Retirement Spectrum , Alan Cohen breaks down the critical shift from growing wealth to preserving it. From the "window of opportunity" for Roth conversions and high-yield bonds to the reality of 800-calorie Shamrock S...

Is your 401k ready to become your permanent paycheck, or are you just hoping for the best? Financial expert Alan Cohen explores the shift from the "accumulation phase" to the "distribution phase" in today’s volatile market. He discusses the "Golden Age" of fixed index annuities, the strategic advantage of Roth conversions before 2028, and why traditional bonds may no longer be the safety net...

Your retirement paycheck doesn't just appear—it has to be built, and the "recipe" matters more than you think. In this episode of The Retirement Spectrum , Alan Cohen explains how to construct a "Chili Portfolio" using stocks, bonds, and protective growth buckets to weather market volatility. From decoding the recent surge in small-cap stocks to navigating the "golden era" of fixed index ann...

Stop obsessing over the "magic number" and start focusing on your actual lifestyle. In this episode of The Retirement Spectrum , Alan Cohen breaks down why those $1.5 million retirement headlines are often just clickbait. Discover how Social Security and smart dividend strategies can slash your required savings in half and learn why a 100% "safe" portfolio might actually be your biggest risk again...

Could you be sacrificing your best years for a bigger paycheck that arrives too late? Alan Cohen dives into the reality of the 2026 market, where surging S&P valuations meet rising midterm volatility. We explore why guaranteed income is the secret to spending 44% more in retirement and how to "refinance" old annuities for higher payouts in today’s high-rate environment. Plus, we expose a...

Is your retirement strategy built on a 100-year-old gamble? As the "Roaring 2020s" mirror the volatility of the 1920s, Alan Cohen explores why a soaring S&P 500 isn't enough to secure your future. This episode breaks down the "Magnificent Seven" market dominance, the reality of looming interest rate cuts, and why the best time to retire depends on your plan, not the ticker tape. From "grimy" E...

Your portfolio can become riskier without you lifting a finger—a phenomenon known as "portfolio drift." In this look-back at 2025 and forecast for 2026, Alan Cohen explains how three years of double-digit returns may have left you overexposed to market volatility. We explore the "super catch-up" contributions for those 60–63, the new $12,000 senior tax deduction, and why sticky inflati...

Are you relying on outdated financial rules like the 4% withdrawal strategy or a fixed retirement age? Discover why your retirement plan needs an update and how to create reliable income streams. This episode dives into the market's current volatility, the looming threat to Social Security, the big mistake most people make with Required Minimum Distributions (RMDs), and the key role annuities and...

You’ve been great at saving, but how do you make that money last for 30 years? Alan Cohen breaks down the week's financial news, focusing on the essential steps for retirement success. Learn about key topics like protecting your nest egg against market downturns, securing guaranteed lifetime income , and the crucial differences between Traditional vs. Roth 401k plans. Get expert insight on d...