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Retire With Style

Business & Economics Podcasts

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.

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.

Location:

United States

Description:

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.

Language:

English


Episodes

Episode 32: Three Key Reasons Why Investing for Dividends as a Retirement Income Strategy is a Mistake

9/20/2022
Alex and Wade discuss 3 key reasons that point out the dangers of investing for dividends (or yield) as your "go-to" retirement income strategy. Listen to hear them breakdown how this strategy violates the 4% rule and other sustainable withdrawal strategies. This episode is sponsored by McLean Asset Management http://mcleanam.com/

Duration:00:37:13

Episode 31: Why the 4% Rule May Be Too High - Part 1

9/13/2022
Alex and Wade discuss a few potential reasons why the 4% rule for taking distributions from your investment portfolio may be unfounded in today’s environment. They discuss in-depth the impact of 3 major variables that may cause you to overshoot your amount. Purchase Access to our upcoming Workshop, "On Your Own in Retirement: Special Considerations for Singles, Divorcees and Widows", hosted live by Dan Veto, CSA on 9/19. Sign up now at risaprofile.com/style. This episode is sponsored by...

Duration:00:52:03

Episode 30: Can We Assume the 4% Rule Provides A Safe Withdrawal Rate For Retirement Income?

9/6/2022
Wade and Alex breakdown the origins of the 4% rule and how it set the stage for the foundation of many sustainable spending strategies. They also revisit some of the assumptions in the original study and point out areas for further consideration for your retirement income success. This episode is sponsored by Retirement Researcher https://retirementresearcher.com/

Duration:00:47:04

Episode 29: What are the Four Approaches to Managing Sequence Risk?

8/30/2022
In order to set up an investment-driven spending strategy in retirement, you need to understand the timing of your potential market returns. In this episode, Wade and Alex discuss four ways you can manage this timing risk. Listen to this episode to find out what they are. This episode is sponsored by McLean Asset Management http://mcleanam.com/

Duration:00:35:31

Episode 28: Understanding The Mechanics of Any Retirement Spending Strategy

8/23/2022
Before discussing the many sustainable spending strategies that are out there, Wade and Alex breakdown the essential characteristics that they all have in common. There are four main levers that you need understand independently and collectively to grasp the fundamental strategy of any spending plan. This episode is sponsored by Retirement Researcher https://retirementresearcher.com/

Duration:00:40:08

Episode 27: What Tool Will You Use to Plan Your Retirement? (Monte Carlo vs Funded Ratio)

8/17/2022
Dave Blanchett joins Wade and Alex in this episode to discuss the different retirement planning approaches. We breakdown the differences between Monte Carlo Analysis and the Funded Ratio and how they both serve a valuable purpose in your retirement income plan. However, listen and find out why we think the Funded Ratio is a better progression indicator for your retirement income success. This episode is sponsored by McLean Asset Management http://mcleanam.com/

Duration:00:40:11

Episode 26: What is Your Funded Ratio? Part 2

8/9/2022
In this episode, Wade, Alex, and Bob continue their conversation on the Funded Ratio - and dive into what the results can tell you about where you stand relative to your retirement income goals. Is your strategic allocation aligned with your retirement income style? And what does your Funded Ratio result say about how much risk you may want to be taking in your plan? Listen to find out. This episode is sponsored by McLean Asset Management http://mcleanam.com/

Duration:00:39:19

Episode 25: What is Your Funded Ratio? Part 1

8/3/2022
In the episode, Wade, Alex, and very special guest Bob, discuss the Funded Ratio - a household balance sheet oriented approach to analyzing your retirement income plan. Your Funded Ratio answers a very simple question - do you have enough to meet your future spending goals? Listen to the episode to find out. This episode is sponsored by Retirement Researcher https://retirementresearcher.com/

Duration:00:41:39

Episode 24: What is the Retirement Income Challenge?

7/26/2022
In this episode, Wade and Alex talk with Bob French about Retirement Researcher's upcoming Retirement Income Challenge. Creating a retirement income plan - especially one that fits you - is not easy. But the Retirement Income Challenge will give you all of the tools that you need to design and build a plan that will work for you and your retirement. Listen to the episode to find out how. To sign up for this free four day challenge (August 1st through the 4th from 12:00-2:00 PM ET each day),...

Duration:00:43:02

Episode 23: What Are Your Spending Patterns in Retirement

7/19/2022
In this session, Wade and Alex sit down with expert David Blanchett to discuss his research around the retirement spending smile. Find out how what you spend during the first phase of retirement differs from your second and third phase. We discuss in depth David’s groundbreaking research on the retirement spending smile. While certain expenses may increase as you age, others decrease. Do they balance out? Listen to this episode to find out. This episode is sponsored by Retirement...

Duration:00:34:09

Episode 22: How to Get Those Unknown Expenses in Retirement Right, Pt 2

7/12/2022
While expectations are one thing, in life “results vary.” In the episode, Wade and Alex break down how to think about those unexpected expense projections that are tough to pin down. This episode is sponsored by Retirement Researcher https://retirementresearcher.com/ This episode is sponsored by McLean Asset Management http://mcleanam.com/

Duration:00:48:36

Episode 21: How to Get Those Unknown Expenses in Retirement Right, Pt 1

7/5/2022
While expectations are one thing, in life “results vary.” In the episode, Wade and Alex break down how to think about those unexpected expense projections that are tough to pin down. This episode is sponsored by Retirement Researcher https://retirementresearcher.com/ This episode is sponsored by McLean Asset Management http://mcleanam.com/

Duration:00:41:19

Episode 20: Talking with a Financial Advisor About Market Downturns and Retirement, Pt 2

6/28/2022
This week, Alex and Bob continue their conversation with Brian Bass, CFP, RICP, one of the advisors from McLean Asset Management, on how he is talking to his clients about what's going on in the markets - and how it's affecting their retirement plans. Join our waitlist for the Retirement Income Challenge here: http://retirementresearcher.pages.ontraport.net/waitlist/ric This episode is sponsored by Retirement Researcher https://retirementresearcher.com/ and McLean Asset Management...

Duration:00:51:12

Episode 19: Talking with a Financial Advisor About Market Downturns and Retirement Plans, Pt 1

6/21/2022
This week, Alex and Bob talk to Brian Bass, CFP, RICP, one of the advisors from McLean Asset Management, on how he is talking to his clients about what's going on in the markets - and how it's affecting their retirement plans. We also discuss how your retirement income style shapes how you react to market movements. This episode is sponsored by Retirement Researcher https://retirementresearcher.com/

Duration:00:32:38

Episode 18: Spending Trends in Retirement

6/14/2022
Wade and Alex invite Michael Finke for an encore episode where they discuss the research surrounding spending trends in retirement. As you start thinking about how you will spend down your assets, you’ll want to know what you should expect. This episode is sponsored by McLean Asset Management http://mcleanam.com/

Duration:00:46:37

Episode 17: Should Protected Income Be Part of Your Retirement Income Plan?

6/7/2022
In this episode, we discuss with Michael Finke, his research with Wade about the potential benefits to having protected income in your retirement plan. We discuss why advisors and individuals need to understand this individual preference before they can begin to create a retirement income plan. This episode is sponsored by McLean Asset Management https://mcleanam.com/

Duration:00:42:00

Episode 16: Inflation - How Did We Get Here and What is the Market Telling Us?

5/31/2022
In the episode, we bring back Bob French to help us breakdown inflation within the context of the pandemic and recovery. We also discuss why a steady state of inflation is better than the alternative, what your planning implications are, and what strategies do or do not provide a good hedge for rising inflation within your overarching retirement income strategy. This episode is sponsored by Retirement Researcher https://retirementresearcher.com/

Duration:00:52:24

Episode 15: How Volatile Markets Affect Your Investor Psychology and What You Can Do About It

5/24/2022
Wade and Alex take the events from the current market downturn and discuss how our psychological make up becomes our own worst enemy when it comes to investment and retirement decisions we make under times of extreme market volatility. We discuss how you utilize an effective framework to set up guardrails that help you make better investment and retirement income decisions going forward. This episode is brought to you by McLean Asset Management. For planning help, visit...

Duration:00:52:05

Episode 14: What to Make of the Current Market Downturn

5/17/2022
In this episode we invite Bob French to discuss what has been happening lately in the stock and bond markets. We review the why, the how, and whether we think it may or may not continue. We also discuss how to think about this downturn within the context of your overall retirement income strategy. This episode is sponsored by McLean Asset Management https://www.mcleanam.com/

Duration:00:39:54

Episode 13: How to Start Your Retirement Income Plan With Our Financial Implementation Matrix

5/10/2022
In this episode, Wade and Alex discuss how retirement income self-efficacy and perceived advisor usefulness can be used to identify the four main implementation personas. They are Delegators, Collaborators, Self-Directed, and Validators personas. In addition, we review the potential strengths and weaknesses to each approach to help you identify how you can best implement your retirement income strategy. This episode sponsored by McLean Asset Management https://www.mcleanam.com/

Duration:00:38:37