Yield to Reason Podcast | Retirement Income Planning Insights

Send a text What do retirees who are truly happy have in common — and what do those who aren't wish they'd done differently? In this episode, Brandon digs into the latest research on retirement success and retirement regrets to build a clearer picture of what actually separates retirees who are thriving from those who are struggling. The data tells a nuanced story — one that goes well be...

Send a text When research says "the market returned 10% over 80 years," what does that actually mean for your retirement? Most DIY investors make critical assumptions about expected returns that create serious retirement planning problems. This episode breaks down the troubling gap between advertised fund performance and real investor results. We examine research from Dalbar and Mornings...

Send a text Seven percent of American retirees are returning to work—not from boredom, but because they can't afford to stay retired. That's 550,000 more people than last year facing this harsh reality. This episode breaks down the data behind un-retirement and provides actionable strategies to build a portfolio that can withstand retirement's financial pressures. The primary culpri...

Send a text Learn to protect your retirement income by identifying vulnerable closed-end funds before they slash distributions. This episode breaks down five essential metrics every DIY investor should monitor to build a more resilient income portfolio. WHY THIS MATTERS FOR YOUR RETIREMENT Distribution cuts in CEFs trigger price drops, creating double trouble: lost income AND capital losses. Under...

Send a text "When More Isn't Better: The Hidden Dangers of Chasing Yield" Episode Overview Does higher yield always mean better returns? In this episode, we tackle one of the most seductive—and dangerous—assumptions in income investing: that if a little yield is good, more must be better. The research tells a different story. We explore why chasing yield can become your financial un...

Send a text Why the 4% Rule Failed (And What Actually Works) Episode Description: The 4% withdrawal rule has become retirement planning gospel—but here's the problem: almost nobody actually follows it. In this episode, we unpack why retirees consistently withdraw only 2% of their portfolios annually, despite decades of research validating higher withdrawal rates. More importantly, we reveal w...

Send a text Episode Description: Before you hire someone to help with your retirement portfolio, you need to know what you're actually hiring. This episode breaks down the four main categories of financial professionals—investment advisors, financial planners, brokers, and insurance agents—and explains what each one actually does, how they get paid, and which standard of care they follow. If...

Send a text Episode Description In this eye-opening episode, Brandon challenges everything you thought you knew about retirement in America. Through historical context and current data, he reveals why the concept of "American Retirement" is actually a myth – and what that means for your financial planning strategy. Key Takeaways The average American retires at age 62 – not 65, 67, or 70...

Send a text Ready for a reality check? While income-focused investing can be a cornerstone of retirement success, it's not the bulletproof strategy many believe it to be. In this eye-opening episode, host Brandon Roberts pulls back the curtain on the hidden risks that could derail your golden years. What You'll Discover The uncomfortable truth: There's no such thing as risk-free ret...

Send a text The #1 Fear Every Retiree Faces (And How to Conquer It) What if your retirement savings could last forever? That haunting question—"Will I run out of money?"—keeps more retirees awake at night than any other financial concern. But what if there was a surprisingly simple solution hiding in plain sight? In this eye-opening episode of Yield to Reason , host Brandon Roberts revea...

Send a text 🎯 The Big Question Everyone's Asking You've heard the heated debates. Financial advisors are split down the middle. Some call annuities the "worst financial product ever created," while others swear they're retirement game-changers. Meanwhile, Americans just bought over $434 billion worth of annuities in 2024 alone – that's nearly 50% more than a decade a...

Send a text What if everything you've been told about Social Security timing is wrong? The financial world has been singing the same tune for years: delay Social Security until age 70 for maximum benefits. But host Brandon Roberts is here to challenge that conventional wisdom with a reality check that might change how you think about your retirement strategy. The Uncomfortable Truth About &qu...

Send a text Guest: Justin Snider - Government contractor from California, US Air Force veteran, and former Series 7 licensed trader who recently transitioned to income-focused investing just 3.5 months ago. Follow his journey at @401k_income on Instagram. The Discovery and Transition Justin's journey into income-focused investing began with a simple text message from a coworker recommending S...

Send a text What if everything you've been told about retirement tax planning is wrong? In this eye-opening episode of Yield to Reason, host Brandon Roberts tackles the sacred cows of retirement planning head-on. Spoiler alert: that fancy tax footwork everyone's raving about might not be the game-changer you think it is. What You'll Discover: The Roth Conversion Controversy 🔥 Why t...

Send a text Guest: Steve Selengut, Author of "Retirement Money Secrets" Host: Brandon Roberts Episode Overview In this episode, we dive deep into a retirement income strategy that most people have never heard of but could dramatically change your financial future. Steve Selengut, who managed over $100 million for clients as an investment advisor, shares how he built substantial retiremen...

Send a text In this episode of Yield to Reason Podcast, host Brandon Roberts tackles one of the most common arguments against income-focused investment plans: "Won't I have more money if I simply invest passively in the S&P 500?" Brandon breaks down the theoretical appeal of index investing versus its practical application in real-life retirement planning. Key Points Discussed T...

Send a text Episode Description In this episode, we're sharing five practical options for building reliable retirement income. Moving beyond the traditional "save and hope" approach, we explore various income-focused strategies that can help create a steady cash flow during your retirement years. Whether you're just starting to plan or are nearing retirement, these accessible o...

Send a text Episode Description In this inaugural episode of the Yield to Reason Podcast, host Brandon Roberts introduces a fresh perspective on retirement planning that could transform how you prepare for your future. After nearly two decades in the financial industry, Brandon reveals why shifting your focus from simply growing your nest egg to building reliable income streams is the key to retir...