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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 42: Tax Planning for Early Retirees and the Affordable Care Act

11/29/2022
Most Americans become eligible for Medicare at age 65. For early retirees, the subsidies provided for Affordable Care Act health insurance plans can make this an attractive source for health insurance coverage. But the way these subsidies are determined is complicated. In this episode, Wade and Alex discuss some tax planning considerations to keep in mind for those receiving health insurance through an Affordable Care Act plan. Listen to this episode to learn more! Read Wade's full article...

Duration:00:28:21

Episode 41: Can Your Retirement Experience Count On Stocks For The Long Term?

11/22/2022
In this special episode, Wade and Alex introduce and welcome Michael Finke, Ph.D. to our RISA® Professional Advisory Board. We also speak with him on his recent article, Forget What You Know about Stock Returns (https://www.advisorperspectives.com/articles/2022/08/22/forget-what-you-know-about-stock-returns), where we discuss the frequency (or lack thereof) in which retirees can be expect stocks to outperform bonds. We also provide alternate ways investors can capture other premiums for...

Duration:00:47:10

Episode 40: The ABCs of the Medicare Open Enrollment Period

11/15/2022
Wade and Alex discuss the foundational decisions that you need to consider as you are in the thick of the Medicare Open Enrollment Period. Is it worth reviewing this decision on a yearly basis? Is there a better choice if you plan on living in multiple places during the year? Is there a better option if you have a chronic illness? How often can you switch plans? Get answers to these questions and more for yourself or a loved one. Join our waitlist to be notified of the next consumer...

Duration:00:53:47

Episode 39: It’s Looking Like a Good Harvest: Should you use Tax Loss Harvesting in Your Portfolio?

11/8/2022
Tax Loss Harvesting is one of those "advanced" portfolio management techniques that you hear about. And with the recent market performance, we've been hearing about it a lot lately. So, we decided to bring Bob French, from Retirement Researcher, back to discuss Tax Loss (and Gain!) Harvesting - what it is, how it works, where the pitfalls are, and if you might want to incorporate it into your portfolio management strategy. Listen now to learn more! This episode is sponsored by McLean...

Duration:00:50:32

Episode 38: Party Affiliations and Stock Market Returns - Who has your vote?

11/1/2022
Wade and Alex welcome back Bob French as they break down historical party affiliations and subsequent stock market returns across Presidential, Senate, and Congressional Elections. Do general party themes contribute to positive returns? Are they consistent throughout time? Do unified or split branches work in the stock markets favor? Does it matter? **Register to attend our Retirement Income Challenge starting Monday, November 7th by visiting retirementresearcher.com/challenge** This...

Duration:00:56:15

Episode 37: Retirement Distribution Strategies: How is it REALLY done in a professional setting?

10/25/2022
In this episode Alex and Wade speak to Brian Bass, a financial advisor from McLean Asset Management, to discuss the practical applications of the sustainable withdrawal strategies that are frequently discussed in the investment press. Are they realistic? Can they be practically applied? How are distribution strategies implemented? 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...

Duration:00:52:03

Episode 36: Beyond the 4% Rule: Part 2 - Varied and Various Variable Distribution Strategies

10/18/2022
In this episode, Wade and Alex get into the specifics of how Variable Distribution Strategies work - including some of the different rules and techniques that you can use with your retirement income plan. To learn more, click here to join our Retirement Researcher mailing list. This episode is sponsored by McLean Asset Management http://mcleanam.com/

Duration:00:53:28

Episode 35: Beyond the 4% Rule - Part 1: Different Portfolio Retirement Income Strategies That May Work Better For You

10/11/2022
In this episode, Wade and Alex go beyond constant spending strategies and discuss the key assumptions on integrating a more dynamic withdrawal strategy to your retirement plan. To learn more, click here to join our Retirement Researcher mailing list. This episode is sponsored by Retirement Researcher https://retirementresearcher.com/

Duration:00:41:35

Episode 34: Even In Volatile Markets, Find Out Why The 4% Rule Distribution May Be Too Low

10/4/2022
The previous 3 episodes discussed why the 4% rule may be too high. Now, Wade and Alex review why the opposite may be true. We break down four reasons to consider the possibility that you are underspending by applying the 4% rule to your retirement income strategy. To learn more, click here to join our Retirement Researcher mailing list. This episode is sponsored by McLean Asset Management http://mcleanam.com/ This episode is sponsored by Retirement Researcher...

Duration:00:52:53

Episode 33: More Reasons Why The 4% Rule May Still Be Too High

9/27/2022
This episode concludes our three-part discussion on why the 4% sustainable withdrawal rate may be too ambitious as a retirement income planning assumption. In this episode, Wade and Alex get into how taxes, your investment account types, the need for a margin of safety, and life span may not agree with your 4% distribution assumption. This episode is sponsored by Retirement Researcher https://retirementresearcher.com/ To celebrate International Podcast Day on 9/30, we're giving away a...

Duration:00:47:03

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. To learn more, click here to join our Retirement Researcher mailing list. 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. To learn more, click here to...

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. To learn more, click here to join our Retirement Researcher mailing list. 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. To learn more, click here to join our Retirement Researcher mailing list. 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. To learn more, click here to join our Retirement Researcher mailing list. 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. To learn more, click here to join our Retirement Researcher mailing list. This episode is sponsored...

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. To learn more, click here to join our Retirement Researcher mailing list. This episode is sponsored...

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. To learn more, click here to join our Retirement Researcher mailing list. 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. To learn more, click here to join our Retirement...

Duration:00:34:09