Retire With Style

This week on Retire With Style, Wade and Alex are joined (yet again) by Bob French, of Retirement Researcher, to look at how you can use reliable income sources (even beyond your Social Security benefits) to deal with inflation. Using reliable income to manage inflation risk is a little bit more complicated than using your investments, but it does allow you to lock in your spending power in a way that you just can't with risky investments. And we look at how you can do so. Listen now to learn more! 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

In today's episode, Bob French joins Alex and Wade again to continue their conversation on managing inflation and it's effects on your retirement income plan. This week they look at how you can use your investment portfolio to counteract the effects of inflation. In addition, we look at some of the common inflation "hedges" that just don't work. 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?"

Wade and Alex are joined by Bob French, of Retirement Researcher, to talk about inflation. Inflation is one of the biggest risks that retirees face, so it's important to understand what inflation actually is, and how it works. In addition, we'll talk about what inflation might look like going forward - plus the Presidential campaign of 1896. 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

Alex and Ryan continue to discuss McLean’s ADV Part 2. It is the SEC-mandated document that an advisor provides to prospects and to existing clients at least once a year. The ADV Part 2 serves as your user manual for working with your advisor. We use McLean’s ADV to serve as a baseline for these episodes. In this episode, we discuss: Listen now to learn more! Links To download McLean's ADV Part 2, click here: https://www.mcleanam.com/adv2a You can reach our guest Ryan Walters by visiting: https://rialawyers.com/ Join the waitlist for our next round of the Retirement Income Challenge at risaprofile.com/podcast If you are an individual consumer and would like to be directed to our sister firm McLean Asset Management you can get in touch at: https://www.mcleanam.com/start/ 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?"

Alex and Ryan continue to discuss McLean’s ADV Part 2. It is the SEC-mandated document that an advisor provides to prospects and to existing clients at least once a year. The ADV Part 2 serves as your user manual for working with your advisor. We use McLean’s ADV to serve as a baseline for these episodes. In this episode, we discuss: Listen now to learn more! Links To download McLean's ADV Part 2, click here: https://www.mcleanam.com/adv2a You can reach our guest Ryan Walters by visiting: https://rialawyers.com/ Join the waitlist for our next round of the Retirement Income Challenge at risaprofile.com/podcast If you are an individual consumer and would like to be directed to our sister firm McLean Asset Management you can get in touch at: https://www.mcleanam.com/start/ 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

In today's episode, Alex and Ryan discuss McLean Asset Management's ADV Part 2. It is the SEC-mandated document that an advisor provides to prospects and existing clients at least once a year. The ADV Part 2 serves as your user manual for working with your advisor. We use McLean’s ADV to serve as a baseline for these episodes. In this episode, we discuss: Links To download McLean's ADV Part 2, click here: https://www.mcleanam.com/adv2a You can reach our guest Ryan Walters by visiting: https://rialawyers.com/ Join the waitlist for our next round of the Retirement Income Challenge at risaprofile.com/podcast If you are an individual consumer and would like to be directed to our sister firm McLean Asset Management you can get in touch at: https://www.mcleanam.com/start/ 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?"

During this special LinkedIn Live episode, Alex and Wade are joined by Intention.ly’s Meghan Richter as they describe the upcoming 3-day Retirement Income Masterclass for Advisors. Don’t miss your chance to join us for a 3-part masterclass to see how you can leverage the innovative Retirement Income Style Awareness (RISA®) assessment to personalize retirement income planning, build stronger client connections and future-proof your practice starting August 28th at 12:00 PM ET. Listen Now to learn more. Links Join our Retirement Income Masterclass to learn about the RISA® and how to use it and market it within your practice. Sign up here: www.risaprofile.com/advisors 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

In this episode, we begin our arc on becoming an informed consumer of Financial Advice. Alex brings in Ryan Walter, our actual Compliance Attorney for McLean Asset Management and Retirement Researcher, to discuss some of the most salient issues you will face when considering the use of a financial professional. In this episode, we answer: Listen now to learn more! Links Download the free resource, 'Three Flavors of Financial Advisors' by clicking here: https://retirementresearcher.com/download-3-flavors If you are an individual consumer and would like to be directed to our sister firm McLean Asset Management you can get in touch at: https://www.mcleanam.com/start/ Join the FREE 4-day Retirement Income Challenge for Consumers on August 21st-24th by registering now at risaprofile.com/podcast

Alex and Wade discuss with Andrew Lippert from Simplified Wealth how the RISA® enables his ability to view a client’s situation agnostically and start the recommendation process with how the client wants to source retirement income. Andrew also discusses his time working with Fidelity and how that led him to start his own firm that embodies his values for working with clients. We also discuss the RISA® in the client engagement process and how it is useful to open up discussions with spouses that may have been previously muted. Listen now to learn more! Links Learn more about Simplified Wealth here: https://simplifiedwealth.us/ Join our Retirement Income Masterclass to learn about the RISA® and how to use it and market it within your practice. Sign up here: www.risaprofile.com/advisors 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

On this week's episode, Wade is continuing his conversation with Brian Bass, MSFS, CFP®, RICP®, AEP®, CLU®, and Jason Rizkallah, CFP®, RICP®, of McLean Asset Management about what listeners need to know when looking at annuity illustrations and annuity contracts. Listen now to learn more! Links As referenced in the episode, if you'd like to speak with someone at McLean Asset Management about annuities or any other financial planning topic, you can get in touch at: www.mcleanam.com/review Join our Retirement Income Masterclass to learn about the RISA® and how to use it and market it within your practice. Sign up here: www.risaprofile.com/advisors 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?"

In today’s RISA® in Action entry, Wade and Alex speak with Bob Bove and David Meler from the 4:8 Group. Bob and David discuss their stewardship approach to wealth management and how the RISA® successfully helps them service clients with their values in mind. Bob and David break down their discovery meeting process and how they achieve a balance between the technical competence expected from an advisor while also fostering a deep personal connection. Listen now to learn more! Links Learn more about the 4:8 Group here: https://the48group.com/ Join our Retirement Income Masterclass to learn about the RISA® and how to use it and market it within your practice. Sign up here: www.risaprofile.com/advisors 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

On this week's episode, Wade is hosting without Alex. But Brian Bass, MSFS, CFP®, RICP®, AEP®, CLU®, and Jason Rizkallah, CFP®, RICP®, of McLean Asset Management join Wade to get serious about what listeners need to know when looking at annuity illustrations and annuity contracts. We get the conversation rolling this week with a look at income annuities (SPIAs and DIAs) and variable annuities. Listen now to learn more! Links As referenced in the episode, if you'd like to speak with someone at McLean Asset Management about annuities or any other financial planning topic, you can get in touch at: www.mcleanam.com/review Join our Retirement Income Masterclass to learn about the RISA® and how to use it and market it within your practice. Sign up here: www.risaprofile.com/advisors 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?"

For this week's RISA® in Action episode, Wade and Alex welcome Doug Oosterhart, CFP®, from LifePoint Planning. Doug was truly an early adopter of the RISA®, asking his clients to take the assessment through the link in Wade's book and then provide him with the results. We learn more about Doug's background, financial planning approach, and experience with the RISA. Listen now to learn more! Links: https://www.lifepointplanning.com/ Join our Retirement Income Masterclass to learn about the RISA® and how to use it and market it within your practice. Sign up here: www.risaprofile.com/advisors 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?"

On today's episode, Wade and Alex are joined by Branislav Nikolic, who is a Managing Director and Head of Insurance at the Index Standard. In his role, he is responsible for evaluating different market index options used in structured annuities. He provides a lot of insight into how to think about the plethora of index options you will see as you start to navigate this world. Listen now to learn more! Links Join our Retirement Income Masterclass to learn about the RISA® and how to use it and market it within your practice. Sign up here: www.risaprofile.com/advisors 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

Our special Friday bonus episode this week is Part 2 of the discussion with Kerry Pechter, whose "2nd edition of Annuities for Dummies" was released on July 20th. In this episode, we learn how Kerry uses annuities within his own retirement plan, and we discuss how private equity firms have impacted the annuity market. Listen now to learn more! Links: Purchase Annuities for Dummies 2nd Edition by Kerry Pechter: https://www.amazon.com/Annuities-Dummies-Kerry-Pechter/dp/1394168586/ Join our Retirement Income Masterclass to learn about the RISA® and how to use it and market it within your practice. Sign up here: www.risaprofile.com/advisors 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?"

This week Alex and Wade welcome Kerry Pechter to the show. Kerry is the author of "Annuities for Dummies", which is part of the wildly popular For Dummies series of books. The second edition will be released on July 20th and pre-orders for the book are available. Our discussion with Kerry went so long that we've decided to turn this into a two-parter episode. For Part 1, we learn about Kerry's background and what has changed in the annuity space since the first edition came out. We also learn about how Kerry classifies different types of annuities. Listen Now to learn more! Links Pre-order Annuities for Dummies 2nd Edition by Kerry Pechter: https://www.amazon.com/Annuities-Dummies-Kerry-Pechter/dp/1394168586/ Join our Retirement Income Masterclass to learn about the RISA® and how to use it and market it within your practice. Sign up here: www.risaprofile.com/advisors 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

We speak with Neal Gordon, Gordon Wealth Planning, and discuss how he uses the RISA® to enable him to get to the heart of financial planning and the emotional matter of what retirement plans make the most sense. We discuss how the RISA® enables him to function more as a true arbiter of various retirement income solutions in order to find the one that best fits the client's individual preferences. In addition, we discuss how the RISA® is used when he is discussing various retirement plans with couples in order to find a strategy or a combination of strategies that aligns with the couple. This has helped Neal expand his services as he is now able to better listen to his clients because they have a tool to express their preferences much clearer and without preconceived opinions about certain solutions. Listen now to learn more! Links: Join our Retirement Income Masterclass to learn about the RISA® and how to use it and market it within your practice. Sign up here: www.risaprofile.com/advisors 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?"

In today's episode, Alex and Wade discuss Wade's recent research paper, "Protection as an Asset Class." After getting into a discussion of what an asset class means, they talk about two ways to think about a structured annuity as an additional asset class. First, from an accumulation perspective, they consider it's risk and return characteristics compared to stocks and bonds. Then they delve into the retirement income aspect of using risk pooling through the annuity as part of supporting lifetime spending goals. In both cases, they deem it reasonable to think of the protections offered by a structured annuity as an asset class that can contribute positively to financial planning outcomes. Listen now to learn more! Links "Protection as An Asset Class" By Wade D. Pfau, PH.D., CFA, RICP®- https://www.protectedincome.org/research/protection-as-an-asset-class/ Join our Retirement Income Masterclass to learn about the RISA® and how to use it and market it within your practice. Sign up here: www.risaprofile.com/advisors 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

We speak with Michael Demkiw, from Third Tier Wealth Management. Michael discusses how his interactions with the RISA® have helped him take a step back and realize how he now interacts differently with clients. A sort of “before and after RISA®” largely driven by a better understanding of how to present solutions that fit into an individual’s psychology. Michael also discusses a few client stories in which spouses had different RISA® results and how he helped them come up with a plan that fit both styles. In addition, Michael further details the implementation matrix and how identifying individual implementation personas (i.e., delegator, collaborator, self-directed, and validator) helps set the cadence for prospect meetings. Listen now to learn more! Links: https://thirdtierwealth.com/about-us/ Join our Retirement Income Masterclass to learn about the RISA® and how to use it and market it within your practice. Sign up here: www.risaprofile.com/advisors 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?"

In this episode, we discuss how you can obtain lifetime income from a fixed-index annuity without annuitizing your contract, and how they are also comparable to more income dedicated options. We also discuss one of the most popular and fastest growing annuities out there- the Registered Index Linked Annuity (RILAs). We detail how RILAs are structured and how you can create more market-driven structured returns in their implementation. In conclusion, we detail why the tax characteristics of certain annuities enable you to utilize them as asset accumulation tools in addition to their insurance component. Listen now to learn more! Links Join our Retirement Income Masterclass to learn about the RISA® and how to use it and market it within your practice. Sign up here: www.risaprofile.com/advisors 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