The 365 Retirement Radio Show Podcast

A Financial Lesson from Bill Belichick

Players and coaches retire; people move on. What happens when your financial advisor moves on? When is a 5% return not really 5%? It’s been four years since Congress changed some of the rules about your 401(k), but we still aren’t seeing the results. Why not?

Do those who predict doom and gloom for the market in 2024 have a point? | Can you get a mulligan on your Social Security? | Tax laws may change dramatically in two years

How serious should you take the financial news predictions? If you feel you made a mistake, can you start and then stop Social Security? The Trump Tax Laws expire in 2026. How could this affect you?

How will the financial stories of 2023 unfold in 2024?

We look at interest rates, the Fed, markets, regional banks, The Magnificent 7, and more.

The Common Mistakes We See as People Approach Retirement

Whether it’s too much risk in your 401(K), too much exposure to one stock, or missing the elements of tax and estate planning, there are a lot of boxes to check off before retirement. This podcast points out some of the mistakes we see and how to fix them.

Big Social Security news | The passing of a financial giant | Producing Income vs Spending Down Your Money | Is “running out of money” a real concern?

There’s a Senate proposal to cut back the taxes you would pay on Social Security. Warren Buffet’s right-hand man has passed away. How do you make your retirement money produce income? The biggest fear of retirees’ is running out of money. Is it real or is it a message we have bought into?

Your “5 year before retirement” checklist | Has Dave Ramsey gone crazy? | The tax brackets are changing. How will it affect you? | Developing multiple paychecks in retirement | Having a plan for your time and your money

If you are a list maker, we have your "to-do" list before retirement. Dave Ramsey set the financial world on fire with a very controversial statement. 2024 will bring new tax brackets. Will it help or harm you? Social Security and savings may not be enough. Developing more than two paychecks in retirement.

The Importance of Income Planning in Retirement

Without income, there is no retirement. Social Security, pensions, 401(k)s, CDs, structured notes: There are a variety of tools to help build a successful income plan and replace your work paycheck with a retirement paycheck.

Taking advantage of ALL growth opportunities

You want to protect your money, but not give up growth. Sam Liang talks about other growth options beyond just the Market.

Protection: One of the pillars every retirement plan should be built on

When you think of protecting your money in retirement, are you considering more than just the risk of the Stock Market?

Full Show 11/12/23

The one big area of concern with interest rates. Should you delay your retirement planning because of an election year? Converting money from a 401(k) to a Roth means watching this number. What are the signals that say, “It’s time to see a financial professional about retirement.”

Full Show 11/5/23

What are the new options to replace bonds on the safe side of my portfolio? Roth IRA or 401(k), which do you dip into first? What does your first meeting at Rubino and Liang look like and how should you prepare?

Full Show 10/29/23

High interest rates are not great if you want to by a car, but they are proving a great opportunity for retirement savers. 43% of people in a new survey plan to take Social Security early and continue to work. Even people with pensions, ample savings, and Social Security are uneasy about walking into retirement. The Medicare window is open for 2023. Should you make a change or buy an Advantage Plan?

Is part of your portfolio experiencing 2008?

If your money is underperforming, it may be easy to find out why.

What if you had perfect market timing?

Dollar cost averaging vs perfect market timing…who really wins?

70% of people want this from their retirement plan and aren’t getting it

Do you have a tax strategy built into your retirement plan?

Is your financial advisor talking to you about taking advantage of high interest rates?

Are you looking at the new opportunities in fixed income?

Are there signs 2024 will be better?

We look at one prediction for 2024. Should you base your retirement planning on predictions? Probably not. How do you take control of your money when the places you put it seem to be uncontrollable?

Interview with Yale Professors on safe money strategies

Sam went to Yale to speak with economic professors Dr. Roger Ibbotson and William Goetzman about where to place your retirement money.

Getting the most out of your 401(k)

Making the Plan for Your Retirement Fun

Here’s your brain on retirement: Cruises, travel, grandkids, fishing, golf, and more. But how do you afford all that? As with anything: Before the fun should come a little planning.

Are you taking advantage of the higher interest rates?

Everyone loves a good deal. Did you know there is a great opportunity right now for your retirement? Higher interest rates are giving retirement savers a new opportunity with lower risk and better returns than we have seen in years. Are you going to take advantage of it?

Changes in Retirement Planning: What Happens When You Have to Change Advisors?

What happens when you retire, and your advisor does too? How do you know if the next person is tuned into your needs?

Changes in Retirement Planning: The New Retirement Age and Moving from Saving to Spending

What do you think the average age is when people retire? Newsflash: It’s changing! Plus the change you need to make in retirement from saving to spending. How to spend with confidence.

Changes in Retirement Planning: Interest Rates and Investing

Interest rates continue to move up. It's a bad thing if you want to buy a house, but a good thing for retirement savers. Plus the move from cash on the sidelines to back in the stock market.

Changes in Retirement Planning: 401(k)s and Social Security

Sam Liang of Rubino & Liang Wealth Partners talks through the new rule about 401(k)s that goes into effect next year and the many proposals about Social Security.

Full Show 8/26/23

If Social Security gets cut back, how do I fill the gap? Did you know that 1% in fees could cost you 10 years of retirement income? A retirement lesson from Jay Leno. The one thing you have to get right in preparing for retirement. Bad things can happen when we assume...

Full Show 7/29/23

The market is back up. Is it safe to go back into the water? 84% of retirees are making this mistake. Four words every retiree wants to hear from their advisor. 63% of retirees missed this important step and wish they had a do-over. When starting the 365 Retirement Plan, what gold nuggets do we usually find that can help right away?

Full Show 7/22/23

What are people talking about at their mid-year reviews? Is it healthy that there are only 7 stocks holding up the S&P 500? It took five years, but they finally figured out Aretha Franklin’s will. Half of people have an income shortfall five years into retirement. A retirement lesson from Dwayne “The Rock” Johnson.

What are you expecting from a financial professional?

A new survey found that people are looking for investment help, 401(k) advice, and tax planning. The Rubino and Liang 365 Retirement Plan addresses all those issues and many more that did not make the list. On today’s show, we show you how.

Weighing out the pros and cons of your biggest retirement decisions

There are decisions we will all make before retirement about Social Security, 401(k)s, pensions, replacing your paycheck and more. Today we look at what you need to consider in each of these decisions.

Retiring with Confidence (Part 4)

Sam Liang of Rubino and Liang Wealth Partners discusses having purpose for your money in retirement: What buckets do you need, what are they for, and how do you create them?

Retiring with Confidence (Part 3)

Sam Liang of Rubino and Liang Wealth Partners talks about going into retirement in a down stock market, the damage it can do and how to avoid it.

Retiring with Confidence (Part 2)

Sam Liang of Rubino and Liang Wealth Partners discusses the 3 main sources of income and how to turn your retirement savings into a paycheck.

Retiring with Confidence (Part 1)

Sam Liang of Rubino and Liang Wealth Partners discusses what goes into setting up a plan that will give you the confidence to retire.

Two vital sources of income in retirement

How do you build your savings into a retirement paycheck and what do you do about Social Security?

Picking and Preparing for Your Retire Date

What are the steps you need to take if you have chosen your retirement date? What if you want to retire early? What if retirement is forced on you? Sam Liang talks about these different scenarios and how the planning can differ with each one.

Growth: The 3 Things We Need With Our Retirement Money

We want to protect out money in retirement, but that doesn’t mean giving up growth. But where do you go for growth without a lot of risk? How much growth do we need to sustain a 30-year retirement? Do we have to beat the market?

Protection: The 3 Things We Need With Our Retirement Money

We all want to protect our money from loss but that is more than just a discussion about the stock market. Taxes, fees, and long-term care events are also a big part of that conversation and planning.

Income: The 3 Things We Need With Our Retirement Money

One of the primary jobs of a financial professional is to replace your paycheck. How does your 401(k) pay you? What are the other sources of income to explore if you don’t have a pension? What do you do about Social Security?

Protecting your retirement money during a recession

Many analysts are predicting a recession. What steps can you take to protect your retirement money and what tips can we learn from the wealthy?

Full Show 5/13/23

Another day, another bank failure. Why are these regional banks failing and how does it affect our retirement planning?

4 tips on how to figure out your retirement paycheck

Having a handle on what your expenses are and the income you need in retirement takes some planning. Sam Liang focuses in on budgeting, income creation, taxes and accounting for healthcare.

Avoid these tax traps in retirement

The 6 Mistakes to Avoid Before Retirement

Will your Social Security check be cut back?

Rubino and Liang Wealth Partners has a new tool on our website to calculate if your Social Security check could be reduced. Take the free test. If that happens to you, how will you fill in that gap?

Full Show 4/8/23

A new report states that Social Security is moving up the date when they will cut back benefits. Will it affect you? Are we done with failing banks? Should I pay off my house before I retire? I have a pension. Should I take the monthly payment or the lump sum? 70% of people will need some kind of long-term care. Are you covered for what could be a huge cost?

What if you need more money in retirement?

Once you add up Social Security, pensions, and personal savings, what if you need more income? Sam talks about finding and filling your income gap in retirement.

Full Show 4/1/23

Are you making changes or staying the course through these difficult financial markets? Finding your possible income gaps and how to fill them. How often does taking on more risk pay off? Tax time: If you have to pay this year, did you do something wrong?

Is it true Social Security is going broke?

Social Security says they may have to cut back benefits in 2034 by 23%. Are you at risk of getting a smaller check?

Full Show 3/25/23

Breaking down the banking crisis. Should you pull out of the stock market? Is cash king again? Is a zero percent tax bracket possible in retirement? Is social security solid? A new way to look at risk.