Retire With Style
Wade Pfau & Alex Murguia
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The purpose of Retire With Style is to help you discover the retirement income plan that is right for you. The first step is to discover your retirement income personality. Your hosts Wade Pfau, PhD, CFA, RICP and Alex Murguia, PhD walk you through creating and implementing a retirement plan that will help you reach your goals, and that you’ll be able to stick with.
Start by going to risaprofile.com/style and sign up to take the industry’s first financial personality tool for retirement planning.
Available episodes
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Oldest first
3 days ago
Episode 57: Market Timing Still Doesn’t Work
This week Wade, Alex, and Bob talk about the third way of active management – Market Timing. Grabbing elements of both Technical and Fundamental Analysis, Market Timing is often the mushy middle of active management. We’ll talk about just what this means, what market timers are doing, and why a lot of the time the people arguing about market timing just kind of miss the point. Listen now to learn more!
Announcing the official release of the 2nd Edition of the Retirement Planning Guidebook, updated for 2023! Available for purchase NOW on Amazon. Purchase your copy today: https://retirementresearcher.com/amazon-RPG-2nd-Edition
To accompany this book release, Wade is also hosting a FREE webinar, this Thursday 3/23 at 2 PM ET entitled, Assessing Variable Spending Strategies for Retirement. To learn more and register, visit https://retirementresearcher.com/rws-assessing-variable-spending-strategies
This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/roth/ to download McLean's free eBook, "Is a Roth Conversion Right For You?"
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Mar 14, 2023
Episode 56: Fundamental Analysis is Fundamentally Flawed
On this episode, Wade, Alex, and Bob discuss the other major approach to active management – Fundamental Analysis. Unlike Technical Analysis, there actually is some value in Fundamental Analysis. It’s just that the people doing the Fundamental Analysis aren’t necessarily the ones reaping those benefits. We’ll get into what it is, just who does get the benefits of Fundamental Analysis, and how the people doing Fundamental Analysis keep the markets operating efficiently. Listen now to learn more!
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/. Download their free eBook, 8 Tips to Becoming A Retirement Income Investor at retirementresearcher.com/8tips
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Mar 7, 2023
Episode 55: Technical Analysis is Technically Wrong
On this episode, Wade, Alex, and Bob talk about one of the major approaches to active management – Technical Analysis. Technical Analysis appeals to a lot of people (especially in the financial media – there’s a lot of really interesting charts), but does it work? We’ll talk about what Technical Analysis is, how it (sort of) works, and whether you should use it with your retirement portfolio. Listen now to learn more!
This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/roth/ to download McLean's free eBook, "Is a Roth Conversion Right For You?"
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Feb 28, 2023
Episode 54: Why Do You Invest?
In this episode, Bob French returns to discuss with Wade and Alex another fundamental question - why do we invest? What's the point of putting our savings at risk? Just like for companies, the financial markets are tools that we can use to prepare for retirement. But as useful as the markets can be, it's important to recognize that the markets don't owe you a retirement. Listen now to learn more!
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/. Download their free eBook, 8 Tips to Becoming A Retirement Income Investor at retirementresearcher.com/8tips
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Feb 21, 2023
Episode 53: How do the Financial Markets Work?
This week Wade, Alex, and Bob bring it back to basics and look at what - and why - the financial markets are. Understanding what's happening in the markets at a fundamental level is key to using them effectively in your retirement income plan. Plus, Alex finds out whether Wade or Bob would have been good plumbers (the answer is no.) Listen now to learn more!
This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/roth/ to download McLean's free eBook, "Is a Roth Conversion Right For You?"
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Feb 14, 2023
Episode 52: How do large institutions think about helping you develop a retirement income paycheck?
This week, Wade and Alex welcome Tamiko Toland. As one of the leaders in the retirement income space and Head of Lifetime Income Strategy and Market Intelligence for TIAA, we discuss with Tamiko how larger institutions are tackling the retirement income dilemma as retirees go from accumulation to decumulation mode. We discuss ways institutions like TIAA can facilitate a retirement income paycheck and help individuals achieve a dignified retirement. Listen now to learn more!
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/. Download their free eBook, 8 Tips to Becoming A Retirement Income Investor at retirementresearcher.com/8tips
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Feb 7, 2023
Episode 51: Should You Claim Your Social Security Benefits Early?
Social Security forms the foundation of most American's retirements. And deciding when to claim those benefits is hugely important. This week, Wade is joined by friend of the show, Bob French from Retirement Researcher, to talk about Wade's new paper with Steve Parrish in the Journal of Financial Planning "Which Social Security Claiming Strategy Generates the Highest Legacy Value?" Using actual historical returns this paper examines how claiming your benefits early would have fared compared to claiming later - and what impact that would have had on your retirement. Listen now to learn more!
Links
"Which Social Security Claiming Strategy Generates the Highest Legacy Value?" https://www.financialplanningassociation.org/learning/publications/journal/JAN23-which-social-security-claiming-strategy-generates-highest-legacy-value-OPEN
This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/roth/ to download McLean's free eBook, "Is a Roth Conversion Right For You?"
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Jan 31, 2023
Episode 50: Navigating the Retirement Income Dashboard
On this week's episode, Alex and Wade walk through the Retirement Income Dashboard, which is something Wade created for Retirement Researcher in 2015. It provides benchmarks and a starting point for retirement income options as based on the current market environment. You will learn where current retirees stand with respect to those from the past, and the amounts of sustainable spending that are feasible with bond ladders, annuities, and sustainable spending from investments. Listen now to learn more.
Links
https://retirementresearcher.com/dashboard/
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/. Download their free eBook, 8 Tips to Becoming A Retirement Income Investor at retirementresearcher.com/8tips
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Jan 24, 2023
Episode 49: 2023 Markets in Review
In this episode, we talk with special guest, Bob French, about what happened in the financial markets in 2022 - and some of the things that you should be thinking about going forward. Among other things, we also discuss what inflation may look like in the future, the value premium, and help put last year's market returns in context. Listen now to learn more!
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/.
Download their free eBook, 8 Tips to Becoming A Retirement Income Investor at retirementresearcher.com/8tips
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Jan 17, 2023
Episode 48: How contractual income solutions fit in a fee-only world?
In this episode, we talk to David Lau, a RISA® Advisory Board member. David is the Founder and CEO of DPL Financial Partners. DPL helps advisors and their clients find contractual income solutions on a fee-only basis. Join us as we discuss with David how consumers are benefiting from new innovations in the financial services industry. DPL is a firm ahead of its time and you'll definitely want to hear as a consumer what’s in store and as an advisor how you can bring your clients the latest innovations in contractual income solutions.
Links:
Retirement Income Master Class for Advisors Registration Page: https://risaprofile.com/masterclass
This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/roth/ to download McLean's free eBook, "Is a Roth Conversion Right For You?"
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Jan 10, 2023
Episode 47: The Technology That Takes Care of Advisors So They Can Take Care Of You
In this episode, Wade and Alex welcome Ryan Beach. Ryan is President of Orion Wealth Management and helps lead their overall efforts. Orion is the leading wealth management software for advisors. They discuss how consumers who engage with an advisor should be aware of the partnerships that the advisor has with various service providers to make they can successfully provide for your needs. They also discuss how the evolution of the wealth management relationship and value-add between an advisor and a client has shifted from an investment accumulation focused to a more goals-based, retirement income, and relationship driven dynamic. Find out what Orion has in store to make sure they remain at the forefront. Oh, and did we mention, we also welcome Ryan to the RISA® Advisory Board. Listen to this episode to learn more!
Links:
Retirement Income Master Class for Advisors Registration Page: www.risaprofile.com/masterclass
This episode is sponsored by Retirement Researcher https://retireme…
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Jan 4, 2023
Episode 46: The Marketing of Financial Advice - How To Separate The Wheat From The Chaff
In this episode, Wade and Alex welcome Kelly Waltrich, a RISA® Advisory Board Member and one of the leading marketing figures in our industry. They discuss how the different marketing messages over the years have shifted; some for the better and others for the worst. They point out how as a consumer you can identify if someone is really interacting with you with authenticity or a veiled pitch under the auspices of having “your best interest in mind.” They also review how advisors can differentiate themselves in their messaging and their client service approach. There is plenty in this episode for both advisors and consumers. Listen now to learn more!
Links:
Intention.ly- https://intention.ly/
Retirement Income Master Class for Advisors Registration Page: https://risaprofile.com/masterclass
This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/roth/ to download McLean's free eBook, "Is a Roth Conversion Right For You?"
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Dec 27, 2022
Recap: The RISA® and Risk Tolerance Questionnaires: Different Tools for Different Functions
For this holiday week, Wade and Alex will recap Episode 9 of Retire With Style. The research discussed in this episode has now been published by The Alliance for Lifetime Income. Find links to this article in the show notes below.
Wade and Alex examine the RISA® Profile against a popular retirement income strategy selection tool; the Risk Tolerance Questionnaire.
Which one better accounts for:
* The new risks in retirement
* The different retirement income strategies
* The more aligned starting point for retirement
Find out as we review the results from our latest research.
Links
Risk Tolerance Questionnaires And Retirement Income Concerns: https://www.protectedincome.org/research/risk-tolerance-questionnaires-and-retirement-income-concerns/
Retirement Income Master Class for Advisors Registration Page: https://risaprofile.com/masterclass
This episode is sponsored by Retirement Researcher https://retirementresearcher.com
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Dec 20, 2022
Episode 45: Should contractual retirement income options live inside of 401k Plans?
In this episode, Alex and Wade bring in Bonnie Treichel, Chief Solutions Officer for Endeavor Retirement and key member of the Retirement Income Consortium, to discuss whether annuities can play an effective role in helping millions of Americans retire with contractual income solutions for their retirement income paycheck. We also discuss the current landscape of the retirement plan landscape and how it’s evolving to continue to meet the needs of individuals. Listen now to learn more!
Links:
Endeavor Retirement: https://endeavor-retirement.com/
Retirement Income Master Class for Advisors Registration Page: https://risaprofile.com/masterclass
This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/roth/ to download McLean's free eBook, "Is a Roth Conversion Right For You?"
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Dec 13, 2022
Episode 44: Where to Find Practical Resources on Retirement Income Strategies
In this episode, Wade and Alex invite Jason Fichtner to discuss how the Alliance for Lifetime Income contains a wealth of resources for both consumers and financial professionals on retirement income strategies. Jason, leads many of the research efforts for Alliance for Lifetime Income and also serves as the Chief Economist for the Bipartisan Policy Center. We discuss the main themes of retirement planning research geared towards improving dignified retirements and the release of three RISA® papers and their role in helping consumers select retirement income strategies. Listen now to learn more!
Alliance for Lifetime Income: https://www.protectedincome.org/tools-guides/
Limited Registration RISA® Masterclass for Financial Professionals: www.risaprofile.com/masterclass
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/. Download their free eBook, 8 Tips to Becoming A Retirement Income Investor at retirementresearcher.com/8tips
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Dec 6, 2022
Episode 43: Do contractual lifetime income solutions fit within a fiduciary advisory framework?
In this episode, we welcome John Faustino, Head of Fi360 a Broadridge Company to discuss the following:
* His decision to join the RISA® Professional Advisory Board
* Can contractual income fit an advisor’s toolbox and still consider him or herself a fiduciary?
* Does the financial service industry view the fiduciary approach as a marketing pitch, or do they actually want to do good by the individual investor?
Links:
Retirement Income Master Class for Advisors Registration Page: https://risaprofile.com/masterclass
Retirement Income Consortium:
https://www.broadridge.com/resource/asset-management/retirement-income-consortium
This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/roth/ to download McLean's free eBook, "Is a Roth Conversion Right For You?"
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Nov 29, 2022
Episode 42: Tax Planning for Early Retirees and the Affordable Care Act
Most Americans become eligible for Medicare at age 65. For early retirees, the subsidies provided for Affordable Care Act health insurance plans can make this an attractive source for health insurance coverage. But the way these subsidies are determined is complicated. In this episode, Wade and Alex discuss some tax planning considerations to keep in mind for those receiving health insurance through an Affordable Care Act plan. Listen to this episode to learn more!
Read Wade's full article referenced in this episode here: https://www.advisorperspectives.com/articles/2022/11/14/tax-planning-and-health-insurance-premium-subsidies-under-the-affordable-care-act
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/.
Download their free eBook, 8 Tips to Becoming A Retirement Income Investor at retirementresearcher.com/8tips
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Nov 22, 2022
Episode 41: Can Your Retirement Experience Count On Stocks For The Long Term?
In this special episode, Wade and Alex introduce and welcome Michael Finke, Ph.D. to our RISA® Professional Advisory Board. We also speak with him on his recent article, Forget What You Know about Stock Returns (https://www.advisorperspectives.com/articles/2022/08/22/forget-what-you-know-about-stock-returns), where we discuss the frequency (or lack thereof) in which retirees can be expect stocks to outperform bonds. We also provide alternate ways investors can capture other premiums for retirement income. Listen to this episode to learn more!
To sign up for the Retirement Income Masterclass where we discuss how you can use the RISA® for your practice; Sign up here: https://risaprofile.pages.ontraport.net/2-Day-Masterclass (This Masterclass is intended for Financial Professionals)
This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/roth/ to download McLean's free eBook, "Is a Roth Conversion Right For You?"
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Nov 15, 2022
Episode 40: The ABCs of the Medicare Open Enrollment Period
Wade and Alex discuss the foundational decisions that you need to consider as you are in the thick of the Medicare Open Enrollment Period. Is it worth reviewing this decision on a yearly basis? Is there a better choice if you plan on living in multiple places during the year? Is there a better option if you have a chronic illness? How often can you switch plans? Get answers to these questions and more for yourself or a loved one.
Join our waitlist to be notified of the next consumer Retirement Income Challenge: retirementresearcher.com/challenge
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/.
Download their free eBook, 8 Tips to Becoming A Retirement Income Investor at retirementresearcher.com/8tips
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Nov 8, 2022
Episode 39: It’s Looking Like a Good Harvest: Should you use Tax Loss Harvesting in Your Portfolio?
Tax Loss Harvesting is one of those "advanced" portfolio management techniques that you hear about. And with the recent market performance, we've been hearing about it a lot lately. So, we decided to bring Bob French, from Retirement Researcher, back to discuss Tax Loss (and Gain!) Harvesting - what it is, how it works, where the pitfalls are, and if you might want to incorporate it into your portfolio management strategy. Listen now to learn more!
This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/roth/ to download McLean's free eBook, "Is a Roth Conversion Right For You?"
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Nov 1, 2022
Episode 38: Party Affiliations and Stock Market Returns - Who has your vote?
Wade and Alex welcome back Bob French as they break down historical party affiliations and subsequent stock market returns across Presidential, Senate, and Congressional Elections. Do general party themes contribute to positive returns? Are they consistent throughout time? Do unified or split branches work in the stock markets favor? Does it matter?
**Register to attend our Retirement Income Challenge starting Monday, November 7th by visiting retirementresearcher.com/challenge**
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/.
Download their free eBook, 8 Tips to Becoming A Retirement Income Investor at retirementresearcher.com/8tips
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Oct 25, 2022
Episode 37: Retirement Distribution Strategies: How is it REALLY done in a professional setting?
In this episode Alex and Wade speak to Brian Bass, a financial advisor from McLean Asset Management, to discuss the practical applications of the sustainable withdrawal strategies that are frequently discussed in the investment press. Are they realistic? Can they be practically applied? How are distribution strategies implemented? Listen now to learn more.
This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/roth/ to download McLean's free eBook, "Is a Roth Conversion Right For You?"
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Oct 18, 2022
Episode 36: Beyond the 4% Rule: Part 2 - Varied and Various Variable Distribution Strategies
In this episode, Wade and Alex get into the specifics of how Variable Distribution Strategies work - including some of the different rules and techniques that you can use with your retirement income plan.
To learn more, click here to join our Retirement Researcher mailing list.
This episode is sponsored by McLean Asset Management http://mcleanam.com/
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Oct 11, 2022
Episode 35: Beyond the 4% Rule - Part 1: Different Portfolio Retirement Income Strategies That May Work Better For You
In this episode, Wade and Alex go beyond constant spending strategies and discuss the key assumptions on integrating a more dynamic withdrawal strategy to your retirement plan.
To learn more, click here to join our Retirement Researcher mailing list.
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/
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Oct 4, 2022
Episode 34: Even In Volatile Markets, Find Out Why The 4% Rule Distribution May Be Too Low
The previous 3 episodes discussed why the 4% rule may be too high. Now, Wade and Alex review why the opposite may be true. We break down four reasons to consider the possibility that you are underspending by applying the 4% rule to your retirement income strategy.
To learn more, click here to join our Retirement Researcher mailing list.
This episode is sponsored by McLean Asset Management http://mcleanam.com/
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/
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Sep 27, 2022
Episode 33: More Reasons Why The 4% Rule May Still Be Too High
This episode concludes our three-part discussion on why the 4% sustainable withdrawal rate may be too ambitious as a retirement income planning assumption. In this episode, Wade and Alex get into how taxes, your investment account types, the need for a margin of safety, and life span may not agree with your 4% distribution assumption.
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/
To celebrate International Podcast Day on 9/30, we're giving away a FREE signed copy of Wade Pfau's Retirement Planning Guidebook! Visit risaprofile.com/giveaway to enter now! This raffle will end at midnight ET on 10/1 - Winner will be contacted on Monday, 10/3. Good Luck - and thanks for listening!
To learn more, click here to join our Retirement Researcher mailing list.
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Sep 20, 2022
Episode 32: Three Key Reasons Why Investing for Dividends as a Retirement Income Strategy is a Mistake
Alex and Wade discuss 3 key reasons that point out the dangers of investing for dividends (or yield) as your "go-to" retirement income strategy. Listen to hear them breakdown how this strategy violates the 4% rule and other sustainable withdrawal strategies.
To learn more, click here to join our Retirement Researcher mailing list.
This episode is sponsored by McLean Asset Management http://mcleanam.com/
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Sep 13, 2022
Episode 31: Why the 4% Rule May Be Too High - Part 1
Alex and Wade discuss a few potential reasons why the 4% rule for taking distributions from your investment portfolio may be unfounded in today’s environment. They discuss in-depth the impact of 3 major variables that may cause you to overshoot your amount.
Purchase Access to our upcoming Workshop, "On Your Own in Retirement: Special Considerations for Singles, Divorcees and Widows", hosted live by Dan Veto, CSA on 9/19. Sign up now at risaprofile.com/style.
To learn more, click here to join our Retirement Researcher mailing list.
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/
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Sep 6, 2022
Episode 30: Can We Assume the 4% Rule Provides A Safe Withdrawal Rate For Retirement Income?
Wade and Alex breakdown the origins of the 4% rule and how it set the stage for the foundation of many sustainable spending strategies. They also revisit some of the assumptions in the original study and point out areas for further consideration for your retirement income success.
To learn more, click here to join our Retirement Researcher mailing list.
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/
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Aug 30, 2022
Episode 29: What are the Four Approaches to Managing Sequence Risk?
In order to set up an investment-driven spending strategy in retirement, you need to understand the timing of your potential market returns. In this episode, Wade and Alex discuss four ways you can manage this timing risk. Listen to this episode to find out what they are.
To learn more, click here to join our Retirement Researcher mailing list.
This episode is sponsored by McLean Asset Management http://mcleanam.com/
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Aug 23, 2022
Episode 28: Understanding The Mechanics of Any Retirement Spending Strategy
Before discussing the many sustainable spending strategies that are out there, Wade and Alex breakdown the essential characteristics that they all have in common. There are four main levers that you need understand independently and collectively to grasp the fundamental strategy of any spending plan.
To learn more, click here to join our Retirement Researcher mailing list.
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/
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Aug 17, 2022
Episode 27: What Tool Will You Use to Plan Your Retirement? (Monte Carlo vs Funded Ratio)
Dave Blanchett joins Wade and Alex in this episode to discuss the different retirement planning approaches. We breakdown the differences between Monte Carlo Analysis and the Funded Ratio and how they both serve a valuable purpose in your retirement income plan. However, listen and find out why we think the Funded Ratio is a better progression indicator for your retirement income success.
To learn more, click here to join our Retirement Researcher mailing list.
This episode is sponsored by McLean Asset Management http://mcleanam.com/
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Aug 9, 2022
Episode 26: What is Your Funded Ratio? Part 2
In this episode, Wade, Alex, and Bob continue their conversation on the Funded Ratio - and dive into what the results can tell you about where you stand relative to your retirement income goals. Is your strategic allocation aligned with your retirement income style? And what does your Funded Ratio result say about how much risk you may want to be taking in your plan? Listen to find out.
To learn more, click here to join our Retirement Researcher mailing list.
This episode is sponsored by McLean Asset Management http://mcleanam.com/
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Aug 3, 2022
Episode 25: What is Your Funded Ratio? Part 1
In the episode, Wade, Alex, and very special guest Bob, discuss the Funded Ratio - a household balance sheet oriented approach to analyzing your retirement income plan. Your Funded Ratio answers a very simple question - do you have enough to meet your future spending goals? Listen to the episode to find out.
To learn more, click here to join our Retirement Researcher mailing list.
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/
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Jul 26, 2022
Episode 24: What is the Retirement Income Challenge?
In this episode, Wade and Alex talk with Bob French about Retirement Researcher's upcoming Retirement Income Challenge. Creating a retirement income plan - especially one that fits you - is not easy. But the Retirement Income Challenge will give you all of the tools that you need to design and build a plan that will work for you and your retirement. Listen to the episode to find out how.
To sign up for this free four day challenge (August 1st through the 4th from 12:00-2:00 PM ET each day), visit: https://risaprofile.com/podcast
To learn more, click here to join our Retirement Researcher mailing list.
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Jul 19, 2022
Episode 23: What Are Your Spending Patterns in Retirement
In this session, Wade and Alex sit down with expert David Blanchett to discuss his research around the retirement spending smile. Find out how what you spend during the first phase of retirement differs from your second and third phase. We discuss in depth David’s groundbreaking research on the retirement spending smile. While certain expenses may increase as you age, others decrease. Do they balance out? Listen to this episode to find out.
To learn more, click here to join our Retirement Researcher mailing list.
This episode is sponsored by Retirement Researcher. Join the upcoming Retirement Income Challenge! https://risaprofile.com/podcast
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Jul 12, 2022
Episode 22: How to Get Those Unknown Expenses in Retirement Right, Pt 2
While expectations are one thing, in life “results vary.” In the episode, Wade and Alex break down how to think about those unexpected expense projections that are tough to pin down.
To learn more, click here to join our Retirement Researcher mailing list.
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/
This episode is sponsored by McLean Asset Management http://mcleanam.com/
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Jul 5, 2022
Episode 21: How to Get Those Unknown Expenses in Retirement Right, Pt 1
While expectations are one thing, in life “results vary.” In the episode, Wade and Alex break down how to think about those unexpected expense projections that are tough to pin down.
To learn more, click here to join our Retirement Researcher mailing list.
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/
This episode is sponsored by McLean Asset Management http://mcleanam.com/
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Jun 28, 2022
Episode 20: Talking with a Financial Advisor About Market Downturns and Retirement, Pt 2
This week, Alex and Bob continue their conversation with Brian Bass, CFP, RICP, one of the advisors from McLean Asset Management, on how he is talking to his clients about what's going on in the markets - and how it's affecting their retirement plans.
To learn more, click here to join our Retirement Researcher mailing list.
Join our waitlist for the Retirement Income Challenge here: http://retirementresearcher.pages.ontraport.net/waitlist/ric
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/
and McLean Asset Management https://www.mcleanam.com/
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Jun 21, 2022
Episode 19: Talking with a Financial Advisor About Market Downturns and Retirement Plans, Pt 1
This week, Alex and Bob talk to Brian Bass, CFP, RICP, one of the advisors from McLean Asset Management, on how he is talking to his clients about what's going on in the markets - and how it's affecting their retirement plans. We also discuss how your retirement income style shapes how you react to market movements.
To learn more, click here to join our Retirement Researcher mailing list.
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/
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Jun 14, 2022
Episode 18: Spending Trends in Retirement
Wade and Alex invite Michael Finke for an encore episode where they discuss the research surrounding spending trends in retirement. As you start thinking about how you will spend down your assets, you’ll want to know what you should expect.
To learn more, click here to join our Retirement Researcher mailing list.
This episode is sponsored by McLean Asset Management http://mcleanam.com/
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Jun 7, 2022
Episode 17: Should Protected Income Be Part of Your Retirement Income Plan?
In this episode, we discuss with Michael Finke, his research with Wade about the potential benefits to having protected income in your retirement plan. We discuss why advisors and individuals need to understand this individual preference before they can begin to create a retirement income plan.
To learn more, click here to join our Retirement Researcher mailing list.
This episode is sponsored by McLean Asset Management https://mcleanam.com/
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May 31, 2022
Episode 16: Inflation - How Did We Get Here and What is the Market Telling Us?
In the episode, we bring back Bob French to help us breakdown inflation within the context of the pandemic and recovery. We also discuss why a steady state of inflation is better than the alternative, what your planning implications are, and what strategies do or do not provide a good hedge for rising inflation within your overarching retirement income strategy.
To learn more, click here to join our Retirement Researcher mailing list.
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/
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May 24, 2022
Episode 15: How Volatile Markets Affect Your Investor Psychology and What You Can Do About It
Wade and Alex take the events from the current market downturn and discuss how our psychological make up becomes our own worst enemy when it comes to investment and retirement decisions we make under times of extreme market volatility.
We discuss how you utilize an effective framework to set up guardrails that help you make better investment and retirement income decisions going forward.
To learn more, click here to join our Retirement Researcher mailing list.
This episode is brought to you by McLean Asset Management. For planning help, visit https://www.mcleanam.com/start/
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May 17, 2022
Episode 14: What to Make of the Current Market Downturn
In this episode we invite Bob French to discuss what has been happening lately in the stock and bond markets. We review the why, the how, and whether we think it may or may not continue. We also discuss how to think about this downturn within the context of your overall retirement income strategy.
To learn more, click here to join our Retirement Researcher mailing list.
This episode is sponsored by McLean Asset Management https://www.mcleanam.com/
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May 10, 2022
Episode 13: How to Start Your Retirement Income Plan With Our Financial Implementation Matrix
In this episode, Wade and Alex discuss how retirement income self-efficacy and perceived advisor usefulness can be used to identify the four main implementation personas. They are Delegators, Collaborators, Self-Directed, and Validators personas.
In addition, we review the potential strengths and weaknesses to each approach to help you identify how you can best implement your retirement income strategy.
To learn more, click here to join our Retirement Researcher mailing list.
This episode sponsored by McLean Asset Management https://www.mcleanam.com/
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May 3, 2022
Episode 12: Psychological Factors That Affect Your Retirement Plan Implementation
In this episode we examine the various psychological and behavioral factors. They include Loss Aversion, Heuristics- Financial Biases, Inertia, Numeracy, Numeracy self-awareness, Retirement Income Self-efficacy, and perceived Advisor Usefulness.
We assess the interplay of these relationships and how they may influence your retirement income concerns, retirement outlook, and investing behaviors- with a special interest into how you view dividend investing as a viable retirement income approach.
To learn more, click here to join our Retirement Researcher mailing list.
This episode sponsored by Retirement Researcher https://retirementresearcher.com/
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Apr 26, 2022
Episode 11: Understanding Your Health Risk in Retirement
Guest Dan Veto stops by the podcast. Health is not a risk well understood by most individuals preparing for retirement. Too often, health risk is characterized as completely unknowable and therefore is inadequately addressed.
To learn more, click here to join our Retirement Researcher mailing list.
Visit https://retirementresearcher.com/understanding to register for Dan's upcoming webinar.
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Apr 19, 2022
Episode 10: Behavior Finance and Psychology - Setting the Stage for Your Retirement Income Plan
It seemed to us that Behavioral Finance and general psychological concepts are studied independently of each other when it comes to financial planning. In this episode, we lay the groundwork for key behavioral finance and psychological constructs that that impact how you implement your financial plan.
To learn more, click here to join our Retirement Researcher mailing list.
If you're an advisor, join our April Advisor Challenge! https://risaprofile.com/style/
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Apr 12, 2022
Episode 9: Is there a role for Risk Tolerance Questionnaires within the RISA® Framework?
Wade and Alex examine the RISA® Profile against a popular retirement income strategy selection tool; the Risk Tolerance Questionnaire.
Which one better accounts for:
* The new risks in retirement
* The different retirement income strategies
* The more aligned starting point for retirement
Find out as we review the results from our latest research.
To learn more, click here to join our Retirement Researcher mailing list.
If you're an advisor, join our April Advisor Challenge! https://risaprofile.com/style/
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Apr 5, 2022
Episode 8: Making Sense of the Different Retirement Income Strategies Within the RISA® Framework
In this episode, we go into detail the different retirement strategies within the RISA® Matrix. Two strategies reflect complementary RISA® profile beliefs and two other strategies were developed to reflect more behavioral accommodations to balanced out more competing RISA® beliefs. Furthermore, they go into the percentages of how much the general and specific population groups identify with these retirement income strategies. What strategy do you identify with?
To learn more, click here to join our Retirement Researcher mailing list.
This episode sponsored by McLean Asset Management https://www.mcleanam.com/
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Mar 29, 2022
Episode 6: Secondary Retirement Income Styles, Part 2
This is the second part of our discussion on secondary RISA® factors (no pun intended 😊). In this episode we discuss how your views towards developing a stable floor of income floor may lead you two consider two distinct strategies. In addition, we ask if you have made a mental transition from an accumulation to a distribution-based outlook in retirement. Either way is fine but they each have different implications.
To learn more, click here to join our Retirement Researcher mailing list.
This episode sponsored by Retirement Researcher https://retirementresearcher.com/
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Mar 22, 2022
Episode 7: Smile, It’s the RISA® Framework - Blending Your Retirement Income Personality with Strategies that Resonate
Wade and Alex show you how combining your two primary RISA® factors leads to the development of your RISA® profile. They are Probability-Based and Safety-First and Optionality and Commitment Orientation.
In addition, they start to discuss your RISA® profile leads to one of the various retirement income strategies: Total-Return, Income Protection, Time Segmentation, and Risk Wrap.
To learn more, click here to join our Retirement Researcher mailing list.
This episode sponsored by Retirement Researcher https://retirementresearcher.com/
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Mar 15, 2022
Episode 5: Secondary Retirement Income Styles, Part 1
We discuss two secondary RISA® factors that help tell your retirement story. We go into detail about two types of liquidity preferences and how the way you choose to receive your retirement income (i.e., faster or slower) supports your planning approach.
To learn more, click here to join our Retirement Researcher mailing list.
This episode sponsored by Retirement Researcher https://retirementresearcher.com/
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Mar 8, 2022
Episode 4: The Building Blocks of Your Retirement Income Personality - Optionality vs Commitment Orientation
In this episode, we continue our discussion on the main retirement income personality traits. We go into detail on our other primary RISA® factor, Optionality vs Commitment Orientation.
To learn more, click here to join our Retirement Researcher mailing list.
This episode sponsored by Retirement Researcher https://retirementresearcher.com/
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Mar 1, 2022
Episode 3: The Building Blocks of Your Retirement Income Personality - Probability vs Safety First
Wade and Alex roll their sleeves up and go deep into one of the major retirement income personality traits. Are you a safety-first or probability-based retiree?
To learn more, click here to join our Retirement Researcher mailing list.
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Feb 22, 2022
Episode 2: Why Investing for Retirement is Different
In this episode, we discuss how investing during your working years is substantially different from investing during retirement. You are faced with new retirement risks and now need to account for them as you ready your retirement paycheck from your assets. Are you addressing those risks properly?
To learn more, click here to join our Retirement Researcher mailing list.
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Feb 21, 2022
Episode 1: You Have a Retirement Income Personality, Really.
Wade and Alex discuss the theme of the Retire With Style podcast and why it’s the perfect blend of psychology and retirement planning. They further discuss what it means to have a retirement income personality and how that leads to a retirement income solution. Have you thought about how your retirement personality leads you to a strategy?
To learn more, click here to join our Retirement Researcher mailing list.
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