Retire With Style
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.
Episodes

25 minutes ago
Episode 187: Couples, Roths, and SPIAs- Oh My!
25 minutes ago
25 minutes ago
In this episode of Retire with Style, Alex Murguia and Wade Pfau explore key retirement planning strategies, including how couples can optimize Social Security benefits, what to do with surplus funds from bond ladders, and the potential benefits of purchasing single premium immediate annuities (SPIAs) from Roth IRAs. They highlight the importance of maintaining flexibility and tailoring strategies to each retiree’s unique circumstances.
Takeaways
Delaying social security can benefit the higher earner in a couple.
The low earner has flexibility in claiming social security earlier.
Using software can help determine optimal social security claiming strategies.
Survivorship benefits are crucial in social security planning.
Bond ladders are used for retirement income, not just reinvestment.
Surplus funds from bond ladders can be invested in growth portfolios.
Roth IRAs can be beneficial for purchasing SPIAs.
SPIAs can provide tax-free income streams in retirement.
Tax diversification is important in retirement planning.
Real-life financial planning requires flexibility beyond strict rules.
Chapters
00:00 Introduction and Overview01:16 Social Security Strategies for Couples06:41 Managing Bond Ladder Surplus Funds16:29 Exploring SPIAs in Retirement
Links
Explore the New RetireWithStyle.com! We’ve launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there’s something you’ve been wondering about retirement, we want to hear it!
The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/
This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean’s free eBook, “Retirement Income Planning”

Tuesday Jul 08, 2025
Episode 186: How to Build a Retirement Plan That Lasts (and Saves on Taxes)
Tuesday Jul 08, 2025
Tuesday Jul 08, 2025
In this episode of Retire with Style, Alex Murguia and Wade Pfau answer listener questions on retirement planning for high earners. They explore tax strategies like Roth conversions and qualified charitable distributions, and discuss how tools like life insurance and annuities can help hedge longevity risk and support a stable retirement income.
Takeaways
The importance of community engagement in retirement planning.
High earners face unique tax challenges and strategies.
Qualified charitable distributions can help manage tax implications.
Roth conversions can be beneficial for reducing future RMDs.
Understanding the widow's penalty in retirement planning is crucial.
Annuities can provide income stability in later years.
Life insurance can hedge against the risk of not living long enough.
The interplay between income sources and tax brackets is complex.
Gifting strategies can help manage estate taxes effectively.
Combining life insurance and annuities can optimize retirement income.
Chapters
00:00 Introduction and Community Engagement03:12 Exploring Tax Strategies for High Earners06:09 Navigating Retirement Risks for Couples11:49 Hedging Against Longevity Risks in Retirement28:59 Conclusion and Future Q&A Sessions
Links
If you want to better understand how to protect your retirement from bad market timing, don’t miss Retirement Researcher’s free webinar: “Four Ways to Manage Sequence of Returns Risk,” hosted by Wade Pfau happening July 15th, 2025 from 1:00 - 2:00 PM ET. You’ll learn practical strategies to reduce volatility’s impact on your retirement income. Register now at retirewithstyle.com/podcast.
Explore the New RetireWithStyle.com! We’ve launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there’s something you’ve been wondering about retirement, we want to hear it!
The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/
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

Tuesday Jul 01, 2025
Episode 185: Retire with Style Live Q&A
Tuesday Jul 01, 2025
Tuesday Jul 01, 2025
In this live Q&A session, Alex Murguia and Wade Pfau answer questions on key aspects of retirement income planning, including withdrawal strategies, the 4% rule, tax considerations, and the role of financial advisors. They discuss how age and financial circumstances can influence withdrawal rates and highlight the importance of using guardrails to manage risk. The conversation also touches on Medicare, ACA subsidies, gifting strategies, and investment approaches to help protect against inflation. Altogether, it offers practical insights for retirees planning their financial future.
Takeaways
The 4% rule is a guideline for a 30-year withdrawal strategy.
Withdrawal rates can vary based on age and time horizon.
Guardrails can help manage sequence of returns risk in retirement.
Tax strategies are crucial for overfunded retirees to minimize liabilities.
Medicare and ACA subsidies can impact retirement income planning.
Gifting strategies can help manage estate taxes and provide for heirs.
Investment strategies should consider inflation protection, especially for those without Social Security.
Financial advisors can provide valuable guidance in retirement planning.
Risk management is essential to ensure sustainable income in retirement.
Planning for retirement involves both financial and non-financial considerations.
Chapters
00:00 Introduction to Retirement Income Strategies06:07 Understanding the 4% Rule and Its Variations11:55 Exploring Withdrawal Rates for Different Ages21:01 Strategies for Overfunded Retirement Scenarios30:14 Balancing Total Return and Income Protection Strategies32:40 Spending Strategies for Retirement Accounts35:50 Charitable Giving and Roth Accounts39:31 Mortgage vs. Roth IRA Contributions43:57 Withdrawal Strategies in Retirement49:41 Key Steps Before Retirement53:08 Roth Conversions and IRMA56:28 Inflation Protection for Educators01:01:15 Understanding Risk-Wrapper Strategies
Links
Explore the New RetireWithStyle.com! We’ve launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there’s something you’ve been wondering about retirement, we want to hear it!
The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/
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

Tuesday Jun 24, 2025
Episode 184: Can Tech Replace Your Financial Advisor?
Tuesday Jun 24, 2025
Tuesday Jun 24, 2025
In this episode of Retire with Style, Wade Pfau and Alex Murguia talk with John Manganaro, senior reporter at ThinkAdvisor, about the shifting landscape of retirement income planning. They explore how technology is reshaping financial planning, the growing need for holistic advice, and the challenges both advisors and consumers face in finding effective tools. John offers insights into the future of financial software, the value of human advisors, and the behavioral side of planning-highlighting the importance of addressing both financial and lifestyle goals in retirement.
Takeaways
Technology is expanding what financial advisors can do.
Holistic advice is becoming essential for effective retirement planning.
An aging population is driving greater demand for financial planning.
Advisors are increasingly using advanced tools for tax-efficient retirement income strategies.
The advisor’s role remains critical in implementing and personalizing financial plans.
Behavioral factors are just as important as the numbers in financial planning.
More new advisors are focusing on serving middle-class clients.
AI may help democratize access to quality financial advice.
New software solutions are reshaping how the industry delivers financial planning.
Many next-generation advisors are driven by a desire to help others, not just manage wealth.
Chapters
00:00 Introduction to Retirement Income Planning03:00 The Role of Technology in Financial Planning06:03 Understanding Holistic Financial Advice09:05 The Evolution of Financial Planning Tools11:54 Challenges in Accessing Financial Advice14:57 The Future of Financial Software Solutions25:56 Exploring Social Security Strategies28:07 Preparing for Retirement: Lifestyle Considerations30:00 Behavioral Challenges in Financial Planning33:00 The Evolution of Financial Software39:07 The Role of AI in Financial Advice42:57 The New Wave of Financial Advisors
Links
Upcoming Retirement Researcher Webinar: What’s Involved When Working With an Advisor. Join Jason Rizkallah and Brian Bass from McLean Asset Management on Wednesday, June 25th at 1PM ET for a FREE webinar exploring how to evaluate and work with a financial advisor. Register now at retirewithstyle.com/podcast.
Explore the New RetireWithStyle.com! We’ve launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there’s something you’ve been wondering about retirement, we want to hear it!
The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/
This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean’s free eBook, “Retirement Income Planning”

Tuesday Jun 17, 2025
Episode 183: Retire Smarter, Not Harder
Tuesday Jun 17, 2025
Tuesday Jun 17, 2025
In this episode of Retire with Style, Alex Murguia and Wade Pfau explore the key elements of comprehensive retirement planning. They discuss the importance of understanding your financial goals, working with a financial advisor, and managing risks like health insurance and long-term care costs. Drawing on listener questions and case studies, they examine strategies for transitioning from business ownership to retirement income, optimizing Social Security, and addressing funding gaps. The conversation highlights how personalized planning and thoughtful asset allocation can lead to better financial outcomes in retirement. Listen now to learn more!
Takeaways
The quality of your questions shapes the quality of your financial plan.
Clear retirement goals are the foundation of effective planning.
Financial advice must be tailored—there is no one-size-fits-all solution.
Investment strategies should align with your personal goals and overall asset allocation.
Health insurance planning is critical before reaching Medicare eligibility.
Long-term care costs should be factored into your retirement plan.
Tax planning can significantly increase your after-tax retirement income.
Transitioning from business income to retirement income requires thoughtful preparation.
Financial independence involves complex, interconnected decisions.
Personalized strategies are essential for a successful retirement.
Understanding your risk capacity and comfort level is vital to planning.
Social Security claiming strategies can meaningfully affect retirement income.
Asset location matters just as much as asset allocation.
A written financial plan helps turn goals into actionable decisions.
Part-time work can be a useful tool to bridge income gaps in early retirement.
Fixed index annuities may offer dependable income in retirement.
A good financial advisor can materially improve your retirement outcomes.
It's important to assess your confidence and ability to manage your retirement plan.
Effective planning requires a clear understanding of your assets and liabilities.
Chapters
00:00 Introduction to Financial Planning and the Webinar01:57 Understanding Financial Plans and the Role of Advisors05:53 Analyzing a Financial Independence Case Study12:06 Exploring Retirement Risks and Goals17:54 Investment Strategies and Tax Planning for Retirement19:49 Transitioning from Business Sale to Retirement Income25:08 Exploring Financial Strategies for Retirement35:22 Bridging the Retirement Gap42:32 The Value of Financial Advisors
Links
Upcoming Retirement Researcher Webinar: What’s Involved When Working With an Advisor! Join Jason Rizkallah and Brian Bass from McLean Asset Management on Wednesday, June 25th at 1PM Eastern for a FREE webinar exploring how to evaluate and work with a financial advisor.Register now at retirewithstyle.com/podcast.
Explore the New RetireWithStyle.com! We’ve launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there’s something you’ve been wondering about retirement, we want to hear it!
The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/
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

Tuesday Jun 10, 2025
Episode 182: When Disaster Strikes… Should You Invest?
Tuesday Jun 10, 2025
Tuesday Jun 10, 2025
In this episode of Retire with Style, Wade Pfau and Alex Murguia explore alternative investments with a focus on natural resources, commodities, and catastrophe bonds. They break down the strategies and risks behind these asset classes and examine how they can fit into a diversified retirement portfolio. The conversation offers insights into the potential advantages and challenges of these investments for retirement planning.
Takeaways
Natural resources include timberland, farmland, and water rights.
Commodities can serve as an inflation hedge but are volatile.
Catastrophe bonds transfer natural disaster risk to investors.
Investing in companies that use commodities may be more beneficial.
The correlation of commodities to equities is generally low.
Catastrophe bonds can provide uncorrelated returns to the market.
Investors should consider the expected return for each asset class.
Due diligence is essential when exploring alternative investments.
Infrastructure investments can offer stable returns through usage fees.
The role of portfolio managers is to expose investors to asset classes with favorable risk-return profiles.
Chapters
00:00 Introduction to Alternative Investments02:22 Exploring Natural Resources and Commodities11:53 Understanding Catastrophe Bonds21:18 Evaluating Risks and Returns in Catastrophe Bonds
Links
Explore the New RetireWithStyle.com! We’ve launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there’s something you’ve been wondering about retirement, we want to hear it!
The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/
This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean’s free eBook, “Retirement Income Planning”

Tuesday Jun 03, 2025
Episode 181: Bricks, Mortar and Retirement
Tuesday Jun 03, 2025
Tuesday Jun 03, 2025
In this episode of Retire with Style, Wade Pfau and Alex Murguia explore real assets- focusing on real estate and infrastructure- and their role in retirement portfolios. They discuss the pros and cons of residential and commercial property ownership, the value of REITs, and the potential of infrastructure investments. The conversation highlights the importance of diversification and understanding the risk-return tradeoffs of these asset classes. Listen now to learn more!
Takeaways
Real assets—like real estate and infrastructure—can play a valuable role in retirement portfolios.
These assets can improve portfolio efficiency by enhancing return relative to risk.
REITs offer accessible exposure to real estate without requiring accredited investor status.
Owning residential property often requires active management and can feel more like a job than a passive investment.
Commercial real estate tends to provide more stable income through longer-term leases.
Infrastructure investments can offer steady cash flows and some protection against inflation.
Diversification remains key to effectively managing portfolio risk.
1031 exchanges allow investors to defer capital gains taxes when selling real estate.
Water rights represent a niche but growing area of investment opportunity.
Chapters
00:00 Introduction to Real Assets02:00 Understanding Real Estate in Portfolios08:04 The Role of Residential Real Estate16:01 Exploring Commercial Real Estate28:05 Infrastructure as an Investment33:44 Conclusion and Future Topics
LinksExplore the New RetireWithStyle.com! We’ve launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there’s something you’ve been wondering about retirement, we want to hear it!
The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/
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

Tuesday May 27, 2025
Episode 180: The Secret Life of Private Investments
Tuesday May 27, 2025
Tuesday May 27, 2025
In this episode of Retire with Style, Wade Pfau and Alex Murguia explore the world of alternative investments, with a focus on private equity and private credit. They discuss what it means to be an accredited investor, the different types of private equity investments, and the typical life cycle and structure of private equity funds—including the roles of general and limited partners.
The conversation also covers key risks, such as liquidity constraints and valuation challenges, and explains how private investments can fit into a broader retirement income strategy. Wade and Alex highlight the growing accessibility of these investments for retail investors, the rise of private credit markets, and the relationship between volatility and expected returns—underscoring the importance of understanding risk when evaluating investment decisions. Listen now to learn more!
Takeaways:
Private Equity
Private equity involves investing in private companies rather than publicly traded stocks.
The main types of private equity are venture capital, growth equity, and buyouts.
These funds typically follow a seven- to eight-year life cycle and are structured with general partners (who manage the fund) and limited partners (who provide capital).
Carried interest is a key component of compensation for general partners.
Liquidity is a major concern—investments are often locked up for long periods.
Valuing private companies is often opaque and can mislead investors.
In venture capital, most returns come from a small number of successful investments.
Private equity can provide diversification benefits in a broader portfolio.
Private Credit
Private credit focuses on lending, often to individuals or private firms, and is distinct from private equity.
These investments are gaining popularity, driven by institutional demand and the search for yield.
Platforms like iCapital are increasing access for individual investors.
Private credit can offer higher yields than traditional fixed income but also comes with unique risks.
Investment Strategy and Risk
Alternative investments are growing in popularity, especially among individual investors.
Risk and return must be evaluated together—volatility alone does not guarantee higher returns.
Effective portfolio construction requires understanding how different asset classes interact.
Investors should avoid diversifying blindly and instead understand the specific risks of each investment.
Chapters
00:00 Introduction to Alternative Investments04:25 Understanding Private Equity10:27 Types of Private Equity Investments18:52 The Private Equity Life Cycle26:36 Structure and Function of Private Equity Funds28:08 Risks and Considerations in Private Equity29:15 The Illusion of Valuations31:43 Democratization of Investment Access32:12 Understanding Private Credit35:33 The Growth of Private Credit Markets41:03 Integrating Private Credit into Portfolios45:17 Volatility and Expected Returns
Links
Curious about alternative investments but not sure where to start? Join Alex Murguia for the latest Retirement Researcher Academy Workshop: Know Before You Invest: Understanding Alternative Investments and get the clarity you need: https://retirement-researcher.ontralink.com/tl/538
Explore the New RetireWithStyle.com! We’ve launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there’s something you’ve been wondering about retirement, we want to hear it!
Join Us Live on YouTube – June 2nd at 2PM ET!Want to go beyond the podcast and be part of the conversation in real time? Wade and Alex will be hosting a special Retire With Style YouTube Live session, where you can ask your retirement questions and get answers on the spot.
Head over to our YouTube channel now, hit Subscribe, and click the bell to get notified when we go live. We’ll see you there! https://www.youtube.com/@retirewithstylepodcast
The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/
This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean’s free eBook, “Retirement Income Planning”

Tuesday May 20, 2025
Episode 179: Forecasts, Futures, and Funds: Inside the Hedge Fund Playbook
Tuesday May 20, 2025
Tuesday May 20, 2025
In this episode of Retire with Style, Wade Pfau and Alex Murguia explore the complex world of hedge funds, focusing on strategies like global macro, event-driven, and managed futures. They explain the role of derivatives, the impact of forecasting, and how these approaches can complement a broader investment portfolio, especially in the context of retirement planning.
Takeaways
Derivatives are contracts whose value depends on an underlying asset.
Global macro strategies rely on macroeconomic trends and require strong forecasting skills.
Event-driven strategies aim to profit from corporate actions such as mergers and acquisitions.
Managed futures use trend-following techniques to trade commodities, currencies, and other assets.
Understanding the distinction between futures and options is essential for informed investing.
Hedge funds typically require accredited investor status due to their complexity and risk profile.
Hedge fund performance can vary widely depending on market conditions and strategy selection.
Managed futures often have low correlation with traditional stock and bond markets, offering diversification benefits.
Investors should evaluate how hedge fund strategies align with their broader investment objectives.
Chapters
00:00 Introduction to Hedge Funds and Market Trends02:34 Understanding Derivatives in Investing10:14 Exploring Global Macro Strategies20:29 Diving into Event-Driven Strategies30:36 Managed Futures: Trend Following Approaches40:05 Conclusion and Future Discussions
Links
Explore the New RetireWithStyle.com! We’ve launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there’s something you’ve been wondering about retirement, we want to hear it!
Join Us Live on YouTube – June 2nd at 2PM ET!Want to go beyond the podcast and be part of the conversation in real time? Wade and Alex will be hosting a special Retire With Style YouTube Live session, where you can ask your retirement questions and get answers on the spot.
Head over to our YouTube channel now, hit Subscribe, and click the bell to get notified when we go live. We’ll see you there! https://www.youtube.com/@retirewithstylepodcast
The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/
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

Tuesday May 13, 2025
Episode 178: Hedging Your Bets in Retirement: What You Should Know
Tuesday May 13, 2025
Tuesday May 13, 2025
In this episode, Wade and Alex explore the world of hedge funds—what they are, how they’re structured, and how they’ve evolved from simple hedging tools into complex investment vehicles. They break down common fee models, challenges in measuring performance, and the impact of data biases. The conversation also covers key hedge fund strategies—including long-short, market neutral, arbitrage, and quantitative approaches—highlighting their mechanics, risk profiles, and what they mean for investors, particularly those nearing retirement. Listen now to learn more!
Takeaways
Hedge funds are actively managed investment vehicles with fewer regulatory constraints.
They aim for absolute returns, regardless of market direction.
The traditional fee model is “2 and 20”—2% management fee and 20% of profits.
Fees are declining due to growing competition and investor scrutiny.
Performance is difficult to assess due to survivorship bias and data limitations.
Investors should be cautious of marketing claims and understand the fund’s true strategy.
Long-short strategies bet on both rising and falling stocks.
Market neutral strategies attempt to remove market exposure to focus on relative performance.
Arbitrage seeks to profit from temporary price inefficiencies.
Quantitative strategies rely on data-driven models to guide trades.
Risk premium harvesting involves tilting toward factors like value or momentum.
Short selling helps with price discovery but carries risk due to unlimited loss potential.
Understanding alpha (excess return) and beta (market exposure) is key to evaluating hedge fund performance.
Technology is central to many modern trading strategies.
Informed investors are better positioned to navigate complex alternatives like hedge funds.
Chapters
00:00 Introduction to Hedge Funds02:12 Understanding Hedge Funds05:30 Fee Structures and Costs10:00 Performance and Survivorship Bias16:08 Hedge Fund Strategies Overview22:43 Long-Short and Market Neutral Strategies23:40 Understanding Long-Short Strategies30:10 Exploring Market Neutral Strategies38:11 Diving into Arbitrage and Quantitative Strategies
Links
Join Us Live on YouTube – June 2nd at 2PM ET!Want to go beyond the podcast and be part of the conversation in real time? Wade and Alex will be hosting a special Retire With Style YouTube Live session, where you can ask your retirement questions and get answers on the spot.
Head over to our YouTube channel now, hit Subscribe, and click the bell to get notified when we go live. We’ll see you there! https://www.youtube.com/@retirewithstylepodcast
The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/
This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean’s free eBook, “Retirement Income Planning”