The Retirement Spectrum

Are you worried about outliving your retirement savings? Join hosts Alan Cohen and Randy Cook on The Retirement Spectrum as they unpack volatile Wall Street headlines and tackle the financial concerns that keep retirees up at night. In this episode, they discuss market volatility, the impact of consumer debt, and the crucial question: Can you live off investment income alone? Alan shares his uniqu...

Are you walking away from your paycheck and wondering, "And then what?" Welcome to The Retirement Spectrum with Alan Cohen and Randy Cook. This is the show where we talk about planning for a 20 or 30-year retirement, how to create a paycheck, and do it tax-efficiently. Learn about the stock market, protective growth investments with zero downside risk, and why fees matter. Alan, a Registered Inves...

Are you making costly mistakes in your retirement planning without realizing it? This episode dives into the five most common pitfalls—from underestimating life expectancy to overlooking hidden fees—and reveals how conservative planning and guaranteed income can boost your confidence and security. Discover actionable insights on 401(k) rollovers, annuities, and the importance of revisi...

Are you ready to retire with confidence and avoid the biggest mistakes? In this episode, Alan Cohen shares real-life strategies for protecting your nest egg, managing market risks, and making smart decisions about Medicare, taxes, and asset allocation. Discover why timing matters, how to avoid costly errors, and what to expect at Alan’s live retirement seminars. Tune in for candid advice and...

Are you ready to rethink your retirement strategy before the next market shakeup? Join Alan Cohen and Randy Cook as they break down the essentials of retirement planning, from tax-efficient IRA conversions to managing risk and embracing market volatility. Discover why timing matters for Social Security, how portfolio x-rays reveal hidden risks, and what every retiree should know about required min...

Are you ready for the real story behind retirement? Discover the truths about income, tax planning, healthcare, and market risks as Alan Cohen breaks down what retirees actually face. From portfolio x-rays to defensive investing, this episode reveals how to navigate today’s financial landscape and avoid costly mistakes. Tune in for practical insights and strategies that go beyond the headlin...

What happens when retirement arrives sooner than expected? Alan Cohen explores emergency retirements, government benefit pitfalls, and the impact of inflation on your nest egg. Learn why timing matters for Social Security, how new Roth catch-up rules could affect your savings, and why dividend growth stocks and protective investments can help fight rising costs. Get practical insights on withdrawa...

Are you ready to discover the secrets to smarter retirement planning and avoid costly mistakes? Join Alan Cohen and the Spectrum Wealth Partners team as they break down the essentials of portfolio x-rays, Roth conversions, and defensive investing. Learn how to protect your assets, minimize taxes, and navigate today’s financial uncertainties—all with a dash of humor and real-life storie...

Are you ready to discover the secrets to a confident retirement? Join Alan Cohen and Randy Cook as they break down the strategies, pitfalls, and real-life stories that shape your financial future. From portfolio x-rays to defensive investing and tax-smart withdrawals, this episode delivers practical insights in simple language—no sales pitch, just education and a few laughs along the way. To...

Ever wondered how to maximize your retirement savings while avoiding common pitfalls? Join Alan Cohen as he dives into the intricacies of financial planning, from understanding fees to optimizing annuities. This episode is packed with insights and practical advice to help you navigate your financial future with confidence. To learn more about Alan and the team at Spectrum Wealth Partners, go to&nb...

Ever wondered how to make your retirement savings work smarter, not harder? Join Alan Cohen as he dives into the intricacies of tax-efficient retirement planning, debunking common myths and offering practical advice on Roth IRA conversions, 401k management, and more. Tune in to learn how to navigate the financial landscape and secure a comfortable future. To learn more about Alan and the team at S...

Should you cheer for lower or higher interest rates? People seem to have an “all or nothing” view of retirement spending. Can you dip your toe into retirement? To learn more about Alan and the team at Spectrum Wealth Partners, go to  www.spectrumwp.com . See omnystudio.com/listener for privacy information.

In this episode of the Retirement Spectrum podcast, Alan Cohen discusses various aspects of retirement planning, including market predictions, investment strategies, and the importance of having a financial plan. They emphasize the need for protection against market downturns, the significance of understanding retirement spending, and the benefits of refinancing annuities for better income. The co...

Warren Buffet is moving out of the risk of the stock market. Should we do the same? Should the war of words on interest rates mean anything to you? George Carlin helps us with a place for our financial stuff. To learn more about Alan and the team at Spectrum Wealth Partners, go to  www.spectrumwp.com . See omnystudio.com/listener for privacy information.

What if your biggest retirement risk isn’t a market crash—but your own assumptions? In this episode, Alan Cohen unpacks market trends, Roth conversion strategies, and the myths that could derail your retirement plan. Learn how dividend-paying stocks, protective growth investments, and realistic planning can help you navigate volatility and avoid costly surprises. Plus, hear about upcom...

Is your retirement plan built to weather market volatility, rising taxes, and Social Security uncertainty? In this episode, Alan Cohen breaks down the latest economic signals and explore how dividend-paying stocks, annuities, and Roth conversions can help protect your income. From buffered investments to tax-smart strategies, he shares real-life examples and practical tools to help you retire with...

The market’s booming—but is your retirement plan keeping up? In this episode, Alan Cohen explores how to balance growth and protection in today’s volatile economy. From market momentum and interest rate forecasts to the myths of the 80% income rule and early retirement realities, Alan unpacks what it really takes to retire with confidence. Plus, Alan shares timeless financial str...

What does the “Big Beautiful Bill” mean for your retirement? In this episode, Alan Cohen breaks down the latest tax changes, Roth conversion strategies, and how to protect your income in volatile markets. From Social Security deductions to interest rate debates and protective growth investments, Alan shares timely insights to help retirees and pre-retirees make smarter financial decisi...

Is your 401(k) a ticking time bomb—or a well-stocked retirement pantry? In this episode, Alan Cohen breaks down the latest market trends, the return of “TINA” (There Is No Alternative), and why retirees need to play defense with their portfolios. From dividend growth strategies to buffered investments and annuities, Alan shares how to protect your nest egg without sacrificing gro...

Is your retirement plan built to last 30 years—or even 40? In this episode of  The Retirement Spectrum , Alan Cohen breaks down the real risks retirees face, from rising taxes to outliving their savings. He explains how Roth conversions, protective growth investments, and income planning can help you build a more resilient retirement strategy. Whether you’ve saved $500K or $5 mill...

What if your biggest retirement fear—running out of money—was keeping you from enjoying the life you’ve earned? In this episode, Alan Cohen breaks down how to build a reliable retirement paycheck using multiple income sources like Social Security, annuities, and dividend-paying stocks. He also tackles rollover mistakes, the real role of insurance in retirement, and how to simplif...

Hope is not a retirement strategy. In this episode, Alan Cohen tackles the emotional roller coaster of market volatility and how pre-retirees can protect their portfolios before it’s too late. From dividend-paying stocks and protective annuities to the risks of drawing down your 401(k) too early, Alan shares practical strategies to help you build a resilient, income-focused retirement plan&m...

What does a “Rocky Balboa market” mean for your retirement? Alan Cohen unpacks May’s surprising market surge and what it could signal for the months ahead. He explores how retirees can stay resilient through volatility, the power of Roth conversions, and why guaranteed income might be your best defense. Plus, Alan shares real client stories and strategies to help you enjoy retire...

Retirement is not just about saving; it’s about creating a sustainable plan to thrive in your golden years. Alan Cohen goes through the most pressing retirement challenges, from managing risk in turbulent markets to securing guaranteed lifetime income. Topics include how to transition from accumulating wealth to distributing it wisely, understanding hidden portfolio fees, and building multip...

Balancing financial security with the freedom to enjoy retirement is a challenge many face today. Alan Cohen explores strategies to create consistent income through a mix of Social Security, dividend-paying stocks, bonds, and annuities. Learn how to reduce volatility, manage tax considerations in retirement accounts, and consolidate investments for simplicity and growth. Alan also tackles importan...