Retire Right Radio with Paul Roberts
142 episodes - English - Latest episode: 1 day ago -There are few things more important than ensuring you and your family have a strong financial plan that will help enable you to have more confidence in your retirement strategy.
On Retire Right Radio, Paul Roberts helps listeners understand their finances and future, create a financial strategy to help pursue a secure and comfortable life and work toward financial security and independence.
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Episodes
Retirement Rules of Thumb
April 26, 2024 16:00 - 53 minutes - 48.7 MBIn this episode of Retire Right Radio, Weston Lindemann discusses the outdated retirement rules of thumb and offers proactive planning strategies for a secure retirement. He challenges the 60-40 stock bond rule, highlighting how bonds can also suffer losses during market downturns. Weston emphasizes the importance of using legitimate protection assets that cannot lose money. He also discusses the relationship between interest rates and bonds, cautioning against trying to time the market. Wes...
The New Retirement
April 19, 2024 21:00 - 52 minutes - 48 MBDealing with change is often difficult. On today's show, Weston Lindemann discusses how retirement planning has evolved over the past 20 years. He highlights the top 10 changes in retirement and emphasizes the need for strategic planning in today's complex world. Additionally, Lindemann discusses the importance of planning for a longer retirement, considering healthcare costs, and understanding Medicare. He also explores the different phases of retirement and the need for downsizing and geog...
Dangerous Retirement Assumptions
April 12, 2024 21:00 - 53 minutes - 49.4 MBOn this episode of Retire Right Radio, Weston Lindemann discusses six dangerous assumptions people make when it comes to retirement planning. He emphasizes the importance of having a team of specialists to create a comprehensive financial plan. The conversation also covers quotes from George Foreman and Chris Rock that highlight the significance of income and options in retirement. Weston provides insights on managing risk, combining multiple 401(k) plans, and making decisions about Social ...
Opportunities for a Strong Retirement
April 05, 2024 18:00 - 53 minutes - 48.9 MBIn this episode of Retire Right Radio, Weston Lindemann discusses various retirement planning opportunities and strategies. He highlights the changes brought about by the Secure Act and Secure Act 2.0, such as the availability of Roth accounts as emergency funds and the benefits of Roth contributions. Lindemann also emphasizes the importance of staying informed about retirement changes and working with a knowledgeable advisor. He explores tried and true retirement planning tips, including co...
Wellness of the Economy
March 29, 2024 16:00 - 53 minutes - 49.2 MBThe conversation discusses the financial wellness of the economy, Americans' saving habits, market volatility, the importance of financial literacy, and retirement regrets. The main takeaways include the need to prioritize retirement savings, involve both spouses in the planning process, create a comprehensive retirement plan, and be mindful of spending in retirement. The conversation covers various topics related to retirement planning including planning for retirement income, understanding...
Misunderstandings of Retirement
March 22, 2024 20:00 - 53 minutes - 48.7 MBBrennan Kim discusses some common misunderstandings some people have when it comes to retirement planning. Included in the conversation are how much to invest, thinking all savings need to go in a 401(k) or IRA, and not giving serious consideration to your distribution plan. Brennan also offers information on strategic moves someone should consider when they are in the financial red zone which is the five to ten year period before you retire. Reach Roberts Wealth Management at 800-891-868...
Financial Spring Cleaning
March 15, 2024 23:00 - 53 minutes - 49.1 MBIn this episode, Weston Lindemann discusses the importance of financial spring cleaning and offers tips for reviewing and organizing your finances. He emphasizes the need to review spending, create an income plan, and manage debt. Weston also highlights the importance of having an emergency fund and a balanced retirement portfolio. He explains the concept of market exposure and protection assets and suggests using the Rule of 100 to determine the ideal asset allocation. Additionally, Weston ...
Financial Organization
March 08, 2024 20:00 - 54 minutes - 49.7 MBThis episode of Retire Right Radio covers various topics related to retirement planning and financial organization. The conversation begins with the metaphorical 'junk drawer' of retirement planning and the importance of getting organized financially. Weston Lindeman then delves into topics such as understanding Medicare, considerations for Social Security, reviewing and adjusting investments, legacy planning, and the importance of regular financial checkups. The episode also addresses commo...
Efficient Retirement Planning
March 01, 2024 22:00 - 52 minutes - 48.3 MBIn this episode of Retire Right Radio, Weston Lindemann discusses various aspects of retirement planning. He covers topics such as consolidating investment accounts, the importance of having a budget, organizing and digitizing financial documents, building an emergency fund, reviewing insurance policies, maximizing 401(k) contributions, analyzing risk and diversification, and tips for saving and staying on track. He discusses the impact of IRA withdrawals on Social Security benefits and the...
Celebrity Financial Missteps
February 23, 2024 17:00 - 53 minutes - 48.8 MBThis episode of Retire Right Radio discusses financial mistakes made by celebrities and the lessons we can learn from them. The conversation covers topics such as estate planning, tax planning, financial transparency, diversification of investments, and the importance of budgeting and spending plans. The episode emphasizes the need for proper planning, financial literacy, and working with a team of experts to ensure a successful retirement. In this conversation, Weston Lindemann discusses va...
Spousal Compatibility in Retirement
February 16, 2024 23:00 - 53 minutes - 49.3 MBThe conversation discusses retirement trends, the importance of a clear retirement plan, balancing risk and conservative approaches, assessing savings and expenses, creating an income withdrawal strategy, preparing for healthcare costs, determining retirement readiness, and financial compatibility in marriage. In this episode, Weston Lindemann answers questions from listeners about scheduling appointments, getting spouses on board with financial planning, pressure tactics from big box firms,...
Today’s Retirement
February 02, 2024 22:00 - 53 minutes - 49.3 MBOn this episode of Retire Right Radio, Weston Lindemann discusses important considerations for building a modern, holistic, and personalized retirement plan. The conversation covers topics such as determining retirement savings, social security and income planning, long-term care considerations, mortgage and debt management, planning for upgrades and major purchases, Roth conversions and tax planning, building a personal pension, the significance of age 59 and a half, healthcare consideratio...
Mitigate the Tax Impact
January 26, 2024 21:00 - 53 minutes - 48.8 MBWeston Lindeman offers strategies to consider to help lessen the blow of taxes in retirement. He cautions to use good strategies with your withdrawals and the selling of your assets. The conversation turns to planning for the “unexpected” in retirement such as kids returning home, caring for elderly parents, home and car maintenance, and health care expenses. You can reach Roberts Wealth Management by calling 800-891-8680. Roberts Wealth Management See omnystudio.com/listener for privac...
Financial Goals for 2024
January 19, 2024 20:00 - 53 minutes - 49 MBWeston Lindeman is part of the all-star team at Roberts Wealth Management. In this episode he discusses financial goals for 2024. He identifies good goals to establish, how to get started, and offers tips on how to stay on track. Some of the goals include maximizing your savings efforts, creating a spending plan, paying off debt, building an emergency fund, proactively planning for taxes, and reassessing assets. Contact Roberts Wealth Management at 800-891-8680. Roberts Wealth Managemen...
Retirement Contingency Plans
January 12, 2024 20:00 - 53 minutes - 49.4 MBWhat if you have a plan for retirement in place and then life happens? Weston Lindeman talks about the need for a good retirement plan to be flexible in the event of job loss, change in marital status, caring for parents, or health event. The conversation also includes retirement mistakes to avoid such as underestimating the impact of inflation and your longevity and being too conservative or too aggressive in investments. You can reach Roberts Wealth Management by calling 800-891-8680. ...
Mistakes To Avoid in Retirement
December 01, 2023 20:00 - 54 minutes - 49.6 MBPaul covers some potentially dangerous mistakes to avoid in retirement planning including thinking you can beat the market, keeping all money in cash, and improper diversification. Also covered in the podcast are opportunities to start a business in retirement and the need to embrace technology in this new phase of your life. You can reach Roberts Wealth Management at 800-891-8680. Roberts Wealth Management See omnystudio.com/listener for privacy information.
Tax Strategies for 50 and Older
November 18, 2023 18:00 - 53 minutes - 49.5 MBWeston Lindeman is part of the team of All Star Advisors at Roberts Wealth Management and fills in for Paul Roberts on this podcast. Weston covers tax strategies that are available for those 50 and older and are critical to consider on that journey to and through retirement. He also talks about solutions to retirement roadblocks and offers tips on how to better understand and maximize your 401(k). You can reach Roberts Wealth Management by calling 800-891-8680. Roberts Wealth Management ...
Continued Financial Education
November 03, 2023 16:00 - 53 minutes - 49 MBThis podcast features Carter Lewis of Roberts Wealth Management filling in for Paul Roberts. Carter highlighted some reason why your financial education shouldn’t stop once you hit retirement. The discussion included factoring inflation, planning for healthcare costs, and staying on top of legal changes in the retirement universe. He also talked about dividend stocks and information a financial professional will need from you in order to build a stronger retirement plan. You can reach Rob...
A Podcast About Something
October 20, 2023 16:00 - 52 minutes - 48 MBRetirement lessons from Seinfeld? Brennan Kim points those out as we feature some memorable financial moments from the show about nothing. Brennan warns against making snap investment decisions, not budgeting, and failure to understand the power of compounding. That is followed by a breakdown of the different types of annuities. You can reach Roberts Wealth Management at 800-891-8680. Roberts Wealth Management See omnystudio.com/listener for privacy information.
Retirement Savings-On Track?
October 13, 2023 18:00 - 55 minutes - 50.5 MBPaul discusses a Bankrate survey that shows a good number of Americans are significantly behind on their retirement savings. How can you get back on track? Listen for tips here. Decumulation: What is it? Paul defines it and discusses good strategies to consider when you are enter this phase of your financial life. You can reach Roberts Wealth Management by calling 800-891-8680. Roberts Wealth Management See omnystudio.com/listener for privacy information.
You’ve Reached Retirement! Now What?
October 06, 2023 16:00 - 54 minutes - 49.7 MBPaul covers that early stage when you first retire and what you should be considering with the goal of staying on track. Some suggested moves include managing your cash flow, finding a good balance between growth and income, and managing taxes. What happens if you face retirement earlier than planned? The conversation centers around assessing the financial impact, making sure you have health coverage, and shifting to that contingency plan. Another topic on this podcast focuses on how stra...
Retirement: Why Some Want to Delay
September 22, 2023 16:00 - 52 minutes - 48.5 MBBrennan Kim discusses why some people feel they may need to delay their retirement start date. Some reasons cited in a recent Gallup poll include insufficient savings, worry over taxes, too much debt, and not wanting to leave money on the table. When factoring longevity, the reasons to adopt strategies to avoid running out of money in retirement become even more critical. The discussion in this podcast focuses on avoiding using outdated rules, implementing good tax strategies, and watchin...
Safe Withdrawal Rate
September 15, 2023 16:00 - 51 minutes - 47.6 MBBrennan Kim discusses how to approach a withdrawal rate in retirement in a safe manner. He also looks at good strategies to boost your savings in the financial red zone. He stresses to take longevity seriously, build that savings safety net and to understand inflation and proper diversification. Reach out to Roberts Wealth Management by calling 800-891-8680. Roberts Wealth Management See omnystudio.com/listener for privacy information.
I’m Retired-Now What About My 401(k)
September 08, 2023 19:00 - 54 minutes - 49.8 MBWhat do you do and what can you do with that 401(k) when you retire? That’s part of the discussion in this podcast. Paul covers qualified distributions, The “Age 55” rule, whether or not to let it lie, and more. Some baby boomers are considering working longer. Why is that? That’s also part of the discussion. You can reach Roberts Wealth Management at 800-891-8680. Roberts Wealth Management See omnystudio.com/listener for privacy information.
Common Retirement Questions
September 01, 2023 19:00 - 54 minutes - 49.8 MBPaul introduces and answers some common questions asked by those near and in retirement. The questions have to do with inflation, retirement income, and budgeting. He also faces long-term care head on in discussing some good alternative strategies and tackles some retirement bad habits. You can reach Roberts Wealth Management at 800-891-8680. Roberts Wealth Management See omnystudio.com/listener for privacy information.
Breaking Down Annuity Myths
August 11, 2023 16:00 - 52 minutes - 48.4 MBBrennan Kim offers information on annuities in an effort to help clear up some of the myths about them. He also discusses results of a recent survey showing concern among pre-retirees and retirees in the areas of inflation, volatility, and rising interest rates. Another survey reflects the favorite investment vehicles of those polled. Brennan discusses each of them and stresses the need for diversification. You can reach Roberts Wealth Management at 800-891-8680. Roberts Wealth Manageme...
What Are Your Retirement Numbers?
July 21, 2023 19:00 - 53 minutes - 48.6 MBBrennan Kim offers simple tips on boosting your pre-retirement savings. The discussion then moves to determining our “number” in areas such as our financial independence number, our Social Security number, and our retirement income number. What should we strongly consider doing during challenging economic times? That is also part of the discussion. You can reach Roberts Wealth Management by calling 800-891-8680. Roberts Wealth Management See omnystudio.com/listener for privacy informat...
Boost Your Retirement Savings
July 14, 2023 16:00 - 52 minutes - 48.1 MBBrennan Kim discusses ways to better save for and in retirement. Some include working with a professional for a savings plan, getting out of debt, considering an HSA if you are eligible, and cutting unnecessary expenses. How can inflation impact your retirement? Brennan explains and offers strategies to consider when factoring inflation. You can reach Roberts Wealth Management by calling 800-891-8680. Roberts Wealth Management See omnystudio.com/listener for privacy information.
Avoid Common Retirement Errors
June 23, 2023 16:00 - 51 minutes - 46.8 MBPaul reminds us to avoid certain retirement errors such as maintaining the wrong asset allocation and not being properly diversified. He offers suggestions on strategies that could possibly help you bump up your retirement date and then cites some alarming survey results regarding retirement readiness. You can reach Roberts Wealth Management by calling 800-891-8680. Roberts Wealth Management See omnystudio.com/listener for privacy information.
Avoid Common Retirement Errors
June 16, 2023 21:00 - 52 minutes - 48.3 MBPaul reminds us to avoid certain retirement errors such as maintaining the wrong asset allocation and not being properly diversified. He offers suggestions on strategies that could possibly help you bump up your retirement date and then cites some alarming survey results regarding retirement readiness. You can reach Roberts Wealth Management by calling 800-891-8680. Roberts Wealth Management See omnystudio.com/listener for privacy information.
Good Pre-Retirement Moves
June 09, 2023 18:00 - 51 minutes - 47.2 MBPaul outlines some good measures to consider before retiring including getting a grip on what your day-to-day expenses will be, reviewing your assets, and envisioning what our retirement will look like. He looks at some alarming stats from a Credit Karma survey showing on Americans’ savings going into retirement and their overall knowledge of necessary retirement strategies and then discusses what should be implemented to help relieve the fear of running out of money in retirement. You can...
Retirement Compromise with Couples
May 26, 2023 18:00 - 51 minutes - 47.1 MBBrennan Kim cites statistics from a couple of surveys that state the obvious. Couple don’t necessarily see eye to eye when it comes to finances and retirement. He stresses the need for compromise in areas such as risk, savings, and retirement target date. He addresses retiree concerns like inflation, the state of Social Security, and longevity and gets back to basics with some good practices to make sure you’re on the right track to retirement. You can reach Roberts Wealth Management by ...
Top Answers in Retirement Survey
May 19, 2023 22:15 - 51 minutes - 47.6 MBBrennan Kim of Roberts Wealth Management fills in for Paul Roberts and goes on the hot seat guessing the top answers from participants in a 2023 EBRI Employee Benefit Research Institute retirement confidence survey. We cite results on concerns of pre-retirees and retirees in their comfort level on reaching retirement and living comfortably in retirement. Brennan moves into strategies to consider in the financial red zone, 5-10 years from retirement. He then discusses the advantages to con...
Cash Flow is King
May 12, 2023 21:00 - 52 minutes - 47.8 MBPaul explains the importance of building income sources in your retirement and making sure they are in line with your expected expenses. He dives into the subject of behavioral finance and how all the components relate to retirement planning. He also highlights ways that money could be wasted in retirement such as excessive fees, overpayment in taxes, overspending, and ignoring healthcare costs. You can reach Roberts Wealth Management by calling 800-891-8680. Roberts Wealth Management S...
Two Retirement Truths and a Lie
May 05, 2023 16:00 - 51 minutes - 47.4 MBInvestment Advisor Representative and member of the All Star Team of Advisors at Roberts Wealth Management Carter Lewis fills in for Paul on the podcast. We give three statements about retirement consideration and Carter points out the one that is not true and explains why. He also expands on some of the ones that are true. He covers valid retirement related questions that begin with the word “when” and points out areas to address in the planning process to help ease the anxiety of chall...
The Banking Sector Crisis
March 24, 2023 19:00 - 51 minutes - 47 MBPaul expands on the situation in the banking sector. He cautions against being lured into high returns that could be temporary. Paul suggests focusing on preservation and just dipping your toe into the water for now. You can reach Roberts Wealth Management by calling 800-891-8680. Roberts Wealth Management See omnystudio.com/listener for privacy information.
The Banking Sector
March 17, 2023 16:00 - 53 minutes - 49.3 MBPaul expands on the situation in the banking sector. He cautions against being lured into high returns that could be temporary. Paul suggests focusing on preservation and just dipping your toe into the water for now. You can reach Roberts Wealth Management by calling 800-891-8680. Roberts Wealth Management See omnystudio.com/listener for privacy information.
The Fed-Interest Rates
March 03, 2023 20:00 - 53 minutes - 49.1 MBPaul opens by covering good strategies for saving your money leading up to retirement. He then moves into a conversation on the Fed and rising interest rates and the effect it could have on your portfolio if not properly protected. Paul also discusses the growth of Artificial Intelligence in the financial arena and closes with a discussion on the person-to-person approach taken by his team at Roberts Wealth Management. You can reach Roberts Wealth Management by calling 800-891-8680. Robe...
Take Control of Your Financial Life
February 17, 2023 17:00 - 53 minutes - 48.9 MBPaul notes the challenges we face in today’s economy covering unemployment, inflation, taxes, the real estate market, and more. He stresses that proper planning can get you in control of your financial life and your journey to and through retirement. You can reach Paul Roberts and the team by calling 800-891-8680. Roberts Wealth Management See omnystudio.com/listener for privacy information.
Secure Act 2.0
January 14, 2023 00:00 - 53 minutes - 49.1 MBNow that it has passed, Paul reviews some of the key provisions of Secure Act 2.0 including the raising of the RMD age, additional catch-up opportunities, and expanded Roth contributions. He looks at lessons that can be learned from 2022 and how to move forward towards retirement in a stronger position and then dispels some common retirement myths. You can reach the team at Roberts Wealth Management by calling 800-891-8680. Roberts Wealth Management See omnystudio.com/listener for privac...
Retirement Income
January 06, 2023 17:00 - 53 minutes - 49.5 MBPaul defines the retirement income replacement rate and looks at what needs to be considered in building income for your retirement. This includes determining how much income you will need compared to your pre-retirement income, how much you earn, how much you save, when you will retire, your tax rates, and what Social Security covers. He also looks at tax strategies that can help you presently and in the future. This includes tradition 401(k) and IRA saving strategies as well as Roth. T...
Welcome to Retirement 2023
December 23, 2022 17:00 - 53 minutes - 49.4 MBPaul covers some solid planning tips to help you retire in a challenging economy in 2023. Understanding sequence of returns and possibly delaying Social Security are part of the conversation. What are some important questions you should be able to answer when considering your retirement and income plan? Those include your budget, your tax strategies, long-term care protection, and other sources of income in your retirement. Paul also covers protecting your income in retirement. You can ...
Detours Around Retirement Roadblocks
November 25, 2022 17:00 - 54 minutes - 49.8 MBPaul offers detours around those roadblocks that could keep you from your retirement target date and clarifies some common misconceptions about your 401(k). He also explains the whole FTX controversy. You can reach the team at Roberts Wealth Management by calling 800-891-8680. Roberts Wealth Management See omnystudio.com/listener for privacy information.
Reduce Your Retirement Taxes
November 19, 2022 00:00 - 52 minutes - 47.9 MBPaul covers the approach you should take regarding tax strategies in retirement. This includes connecting taxing with outflow as well as income, spending down traditional IRAs, and the consideration of Roth conversions and contributions. He also discusses the condition of the markets and high inflation and looks ahead to what we may be able to expect. You can reach Paul Roberts and the team by calling 800-891-8680. Roberts Wealth Management See omnystudio.com/listener for privacy inform...
Impact of Inflation-Review of Secure Act
November 11, 2022 17:05 - 53 minutes - 49.1 MBWhat are good questions to ask your financial professional in times of economic turmoil? Paul Roberts covers some of these including long-term planning, diversification, and whether or not to change course. He also warns of retirement mistakes to avoid and offers reminders of the changes to legacy planning which came with the original Secure Act. You can reach Paul Roberts and the team by calling 800-891-8680. Roberts Wealth Management See omnystudio.com/listener for privacy information.
Retirement Investment Strategies
October 28, 2022 16:00 - 52 minutes - 47.8 MBYour approach to investing in retirement can certainly be different than earlier in your life. Paul runs through some things to consider and some practices to avoid. They include having a proper philosophy that can be flexible and able to change over time and to avoid questioning your plan due to volatility, trying to outperform the market, and letting your emotions get the best of you. Paul looks at four financial gaps that could stand in your way to retirement. They include the knowled...
Social Security 2023 COLA-Factoring Inflation
October 21, 2022 16:00 - 51 minutes - 47.4 MBPaul talks about the announced Social Security Cost of Living Adjustment for 2023 pointing out that it is the highest in forty years but also that inflation is as well. He discusses how this high inflation, volatility, and rising interest rates must be factored when planning for retirement. Paul gets into the sudden shift for retirees when entering retirement and goes over the process of “deaccumulation.” Then he looks at retirement challenge solutions such as planning for inflation in yo...
Say No to “Do It Yourself Retirement”
October 14, 2022 19:00 - 52 minutes - 48 MBBrennan Kim fills in for Paul Roberts and cites results of a J.D. Power study that revealed some pitfalls of utilizing digital resources in planning your own retirement. He breaks down the advantages and, in his opinion, the necessity of working with a professional to build and maintain your retirement. He also goes over some of the “curveballs” of retirement in the form of unexpected expenses and then offers strategies to stay on track in the current economic environment. You can reach t...
Why Some Delay Retirement
October 07, 2022 18:00 - 50 minutes - 46.6 MBBrennan Kim fills in for Paul. Brennan is part of the team of All-Star Advisors at Roberts Wealth Management. He discusses reasons why some may decide to or need to delay their retirement start date. Reasons include having not saved enough, not accounting for taxes, relying exclusively on Social Security, and sequence of returns risk. He also goes over some last-minute financial moves you can consider before launching your retirement. Those include reducing portfolio risk, maximizing 401...
Retirement Income That May Not Be Taxable
September 30, 2022 17:00 - 53 minutes - 49.1 MBPaul goes through various streams of retirement income that may not be subject to taxation and breaks down the strategies to achieve that goal. He also continues to monitor high inflation and its effects on retirement planning and discusses steps to take in order to maintain the lifestyle you want in retirement. You can reach Paul Roberts and the team by calling 800-891-8680. Roberts Wealth Management See omnystudio.com/listener for privacy information.