The Retirement Spectrum

Retirement can be daunting, but planning can ease the transition. Alan Cohen discusses the importance of diversifying investments, managing taxes, and ensuring multiple income sources to confidently move into retirement. He highlights strategies to preserve assets against market volatility and inflation, emphasizing the necessity of playing defense with investments. Attendees of Alan's seminars le...

The market is coming back, what does that mean for interest rates and how does it affect you? Do you need 1.8 million to retire? Do you need to beat the market? We introduce you to a guy who’s happy and not trying to do either one. When doing an IRA or 401(k) rollover, watch out for these mistakes. To learn more about Alan and the team at Spectrum Wealth Partners, go to www.spectrumwp.com ....

Retirement can be the most exciting part of your life, but it requires careful planning to avoid running out of money. Alan Cohen discusses strategies for generating multiple sources of income in retirement, including dividend-paying stocks, bonds, and annuities. He emphasizes the importance of playing defense with your investments. Discover how to replace your paycheck, whether through Social Sec...

Retirement planning is an essential part of financial stability. Alan Cohen discusses the importance of having a clear financial plan, including strategies for income generation from various sources such as dividends, bonds, and annuities. He emphasizes the significance of tax efficiency and managing expenses while splurging on health, family, travel, and charity. Cohen also addresses common pitfa...

Retirement can be both exhilarating and daunting. Alan Cohen delves into the key aspects of securing a comfortable retirement with a focus on protecting and growing your savings. From understanding Social Security timing to exploring protective growth investments, this episode provides essential strategies to navigate the financial complexities of retirement. Cohen emphasizes the importance of exe...

“Stay the course” isn’t very comforting if you are losing money and near retirement. What are your options? Building your retirement paycheck with dividend paying stocks. One financial talking head says to have MORE market risk in retirement. Why? To learn more about Alan and the team at Spectrum Wealth Partners, go to www.spectrumwp.com . See omnystudio.com/listener for privacy...

If you don’t like your recent market losses, how do you prevent it from happening again? Why this might be a great time for an IRA to Roth conversion. One group is spending freely in retirement. What’s their secret? To learn more about Alan and the team at Spectrum Wealth Partners, go to  www.spectrumwp.com . See omnystudio.com/listener for privacy information.

When the market starts to wobble, you’ll see all sorts of commercials to buy gold. Is gold something you should have in your portfolio? How much should you have and HOW should you buy it? To learn more about Alan and the team at Spectrum Wealth Partners, go to www.spectrumwp.com . See omnystudio.com/listener for privacy information.

While Elon Musk is looking for waste and inefficient things in government with DOGE (Department of Government Efficiency), Alan Cohen goes through potential inefficiencies in your 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.

Alan Cohen takes you golfing and discusses how you can avoid a financial "blow up hole" when planning your 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.

Is there a "right time" to take your Social Security? Alan discusses the timing of benefits, the impact of health and family history, and strategies for maximizing retirement income.  To learn more about Alan and the team at Spectrum Wealth Partners, go to  www.spectrumwp.com . See omnystudio.com/listener for privacy information.

The Trump Tax Cuts and Job Act is set to expire at the end of 2025. Alan Cohen emphasizes the significance of taking advantage of current low tax rates and explains the process and benefits of converting traditional retirement accounts to Roth accounts. To learn more about Alan and the team at Spectrum Wealth Partners, go to www.spectrumwp.com . See omnystudio.com/listener for privacy information.

We discuss some of the ups and downs of a 60/40 portfolio.  To learn more about Alan and the team at Spectrum Wealth Partners, go to  www.spectrumwp.com . See omnystudio.com/listener for privacy information.

Taxes may be your biggest expense in retirement. Why would someone say, tax me more? To learn more about Alan and the team at Spectrum Wealth Partners, go to www.spectrumwp.com . See omnystudio.com/listener for privacy information.

Moving money from your IRA or 401(k) to a Roth can be a good tax strategy for retirement. SHOULD you do it and WHEN should you do it? We discuss three reasons this might be a good time to consider it. To learn more about Alan and the team at Spectrum Wealth Partners, go to  www.spectrumwp.com . See omnystudio.com/listener for privacy information.

 Alan discusses the recent changes in the yield curve, explaining its implications for the economy and potential forecasts for recession and market crashes. To learn more about Alan and the team at Spectrum Wealth Partners, go to www.spectrumwp.com . See omnystudio.com/listener for privacy information.

Nvidia has been the darling of the stock market…until something called Deep Seek popped up. Is Tech going to become more volatile and do you have too much in your 401(k)? Plus: Interest rates, where are we headed? To learn more about Alan and the team at Spectrum Wealth Partners, go to  www.spectrumwp.com . See omnystudio.com/listener for privacy information.

As you get closer to retirement you might consider moving money away from the risk of the stock market…especially if your account is up. Is now a good time? 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 the past two years TRILLIONS of dollars have gone into Money Markets. As they come due and as interest rates fall, where should that money go next? To learn more about Alan and the team at Spectrum Wealth Partners, go to  www.spectrumwp.com . See omnystudio.com/listener for privacy information.

There is a lot of information out there about retirement planning and many people try to do it on their own. But what if you missed something vital? Can you afford that kind of mistake. We have the Top 5 things people miss when they DIY their retirement. See omnystudio.com/listener for privacy information.

Most people take Social Security as early as they can. Some will file and get their benefit BEFORE they retire. What are the pros and cons of taking Social Security while you are still working? See omnystudio.com/listener for privacy information.

Your 401(k) has been a placeholder for your money as you get ready for retirement. How can it produce income? Should you keep the money in the account or move it out? Once you get to RMD age should you follow Uncle Sam’s plan, or build your own plan? See omnystudio.com/listener for privacy information.

Alan discusses the rising costs of experiences, using a Las Vegas example to illustrate how pricing varies based on location and perceived value. This segues into a discussion about financial fees in the investment industry, emphasizing the importance of understanding what clients are paying for.  See omnystudio.com/listener for privacy information.

If you are going to be in retirement for 25 years, you need growth. But what good is growth if the risk makes you lose money? You also need to protect your money. Can you have both? See omnystudio.com/listener for privacy information.

The 401(k) has been a great place to save money, but does it fill our needs in retirement? Alan walks through how to turn your 401(k) into a paycheck. See omnystudio.com/listener for privacy information.