Retire With Style

Episode 106: A reimagined approach to funding retirement income.

In this episode we sit down with Rebecca Meskin & Cara Reisman from Blackrock to discuss a paper we collaborated on; A reimagined approach to funding retirement income: Defining individual styles and solutions using the RISA® framework. During the conversation, we illustrate how the RISA framework can help individuals approaching retirement understand their retirement income style preferences, explore the way style preferences translate to certain retirement income strategies, and share the distribution of retirement income styles among the population surveyed in the RISA/BlackRock study. We also highlight the characteristics of solutions in a DC plan that were most attractive to the greatest number of respondents in the study. If you are contributing to a defined contribution plan or have a significant amount of your net worth in one, you’ll want to catch this episode. Listen now to learn more!
PLEASE NOTE: This episode will not be posted on our YouTube channel. We apologize for any inconvenience! 
 
Links 
Registration is currently closed for the Consumer Retirement Income Challenge hosted by the team at Retirement Researcher! Join the waitlist to be notified about the next session by visiting: https://risaprofile.com/podcast 
 
 
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?"

Episode 105: Managing Taxes in Retirement using the Effective Marginal Tax Rate

Tax planning is the topic du jour for this week, as Wade and Alex discuss a recent article from Advisor Perspectives that Wade wrote with Joe Elsasser from Covisum. Wade describes the effective marginal tax rate approach for managing Roth conversions and taxable distributions in retirement. This matters because of the nonlinearities facing retirees with their taxes, which include the Social Security tax torpedo, Medicare IRMAA surcharges, preferential income stacking, and the surprises created by RMDs. Tune in and uncover how to navigate the many pitfalls and traps facing retirees in the US federal tax code. Listen now to learn more!
 
Links
The article discussed is available at:https://www.advisorperspectives.com/articles/2023/11/13/managing-taxes-retirement-effective-marginal-rate
Registration is open for the Consumer Retirement Income Challenge hosted by the team at Retirement Researcher! Join us December 4th-7th for this FREE 4-Day event by visiting: https://risaprofile.com/podcast 
 
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

Episode 104: Year End Planning Considerations

Wade and Alex discuss with Rob Cordeau, CFP®, RICP®, CHFC®, the most frequently dealt with year-end planning topics that he discusses with clients. As we near the end of year, there are various deadlines that should be addressed to help maximize your investment and planning experience. In addition, as you get a better sense of your income and tax brackets, we review a few wins that you should consider taking advantage of and a few “potholes” that you want to avoid. These items are well within your control and make a meaningful difference to your retirement income potential. Listen now to learn more! 
 
Links 
If you'd like to speak with someone at McLean Asset Management about your year-end planning decisions or any other financial planning topic, you can get in touch at: www.mcleanam.com/review 
Registration is open for the Consumer Retirement Income Challenge hosted by the team at Retirement Researcher! Join us December 4th-7th for this FREE 4-Day event by visiting: https://risaprofile.com/podcast 
 
 
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?"

Episode 103: Using RISA® Framework to find the right retirement plan strategy between spouses

In today's episode, we discuss how married couples frequently do not have the same retirement income style and how the RISA® Framework is used to identify solutions so that both individuals can feel confident with a retirement plan that satisfies both retirement styles. Currently, simply “splitting the difference” on an investment portfolio allocation based on risk tolerances is far short of the mark and we discuss how the RISA® addresses these shortcomings and points to a better way. Listen Now to learn more!
 
Links 
Discover your Retirement Income Personality by signing up to take the RISA® here: https://risaprofile.com/style/
 
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

Episode 102: Practical Implementation of Time Segmentation with Rob Cordeau

On today's episode, Alex and Wade are joined by Rob Cordeau, CFP, RICP, ChFC, who is the Managing Director of Wealth Management at McLean Asset Management. He shares insights into how Time Segmentation strategies can be implemented in practice, and he comes with a lot of great analogies to help you think about whether this Retirement Income Style is right for you. 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?"

Episode 101: Uncovering How Time Segmentation Actually Works

Critics of Time Segmentation and bucketing have questioned whether there is any there, there. A big part of this relates to how Time Segmentation methods decide when to re-fill the short-term spending buckets. In today's episode, Wade and Alex discuss three proposed re-fill methods and describe how one may make things worse, how one is more in the middle, and how one can potentially improve financial outcomes. But for the one that can make things better, an important caveat is that it does so through a dynamic and aggressive overall asset allocation strategy. Listen now to find out if you have what it takes to make Time Segmentation work for your retirement. 
 
Links 
Click here to learn more about the Retirement Researcher Academy membership site: https://retirementresearcher.com/academy-rws
 
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

Episode 100: YouTube Live Q&A w/ Bob French (Part 2)

Last week on Retire With Style, we decided to do something a bit special to celebrate this major milestone of 100 episodes and we invited our frequent flyer, Bob French along for the ride. We hosted a special Q&A session on YouTube Live where we answered your burning retirement planning questions live on air!  Listen now to hear Part 2 of the live session. 
 
Links
Be sure to follow our podcast YouTube channel as we look forward to doing more of these live sessions in the future: https://www.youtube.com/@retirewithstylepodcast
 
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?"

Episode 100: YouTube Live Q&A w/ Bob French (Part 1)

It's an occasion to celebrate! This week on Retire With Style, we decided to do something a bit special to celebrate this major milestone of 100 episodes and we invited our frequent flyer, Bob French along for the ride. We hosted a special Q&A session on YouTube Live where we answered your burning retirement planning questions live on air! We are beyond thrilled and forever humbled by your continued support of this podcast. Here's to 100 more! Listen now to hear Part 1 of the live session. 
 
We have officially closed our 100th-episode Celebration Giveaway with Retirement Researcher! The Winners have been contacted - so please check your inbox for a message from the team at RR. Thank you so much for entering our giveaway and we hope to host more of them soon! 
 
Links
Be sure to follow our podcast YouTube channel as we look forward to doing more of these live sessions in the future: https://www.youtube.com/@retirewithstylepodcast
 
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

Episode 99: Time Segmentation as a Retirement Income Strategy

In today's episode, Wade and Alex begin their arc on Time Segmentation (i.e., Bucketing) as part of a viable retirement income strategy within the RISA® framework. To start off, we discuss the pros and cons of time segmentation and how it addresses the optionality and safety-first component within one’s RISA® style. In addition, we address some popular misconceptions about this strategy that somewhat overstate its effectiveness relative to other strategies. Listen now to learn more!
 
Links 
Join the LIVE Q&A Session for Episode 100 on Wed. October 11th at 1:00 PM ET on the Retire With Style YouTube Page. Subscribe and turn on your notifications to see when we are live!! https://www.youtube.com/@retirewithstylepodcast 
If you are unable to join us for the live filming, you can still send us your questions here: https://www.surveymonkey.com/r/PHZL5WK 
In honor of our 100th Episode, Retirement Researcher is sponsoring a free giveaway! Enter now to win one of three prizes:
A signed copy of the 2nd Edition of Retirement Planning Guidebook by Wade Pfau (Value: $30)
Access to an individual Workshop offered through the Retirement Researcher Academy of your choice (Value $295)
FREE subscription for 1 year to the Retirement Researcher Academy membership site (Value: $1,495)
The giveaway will close on Tues, October 17th. To enter the 100th Episode Giveaway, click here:  retirementresearcher.com/100 
 
 
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

Episode 98: RISA® Styles and Inflation Management

This week we finish our inflation quadrilogy with Bob French of Retirement Researcher. In previous episodes, we have talked about the different tools at our disposal to deal with inflation, but now we need to look at how to use those tools. Using the different RISA® styles as our guide, we discuss how you can deal with inflation risk in your own retirement income plan. Listen now to learn more!
 
Links 
If you haven't already, visit www.risaprofile.com/style to take the RISA® questionnaire for yourself and discover your Retirement Income Style. 
Purchase access to the Academy Workshop entitled, "Managing Inflation In Your Retirement Income Plan" hosted by Bob French at Retirement Researcher by clicking here: https://retirementresearcher.com/managing-inflation-rws 
 
 
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?"