Money Master Retirement Podcast

“Have you ever had that thought: What if my advisor is wrong? It’s a fair question—especially when the future feels uncertain. Today, we’re going to talk openly about that doubt—and explain what advisors are actually meant to do.

In this episode of the podcast, Nick, Tori, and Connie explore a provocative idea: what if the key to happiness in retirement isn’t saving more, but spending differently? Drawing on new research and real client experiences, the team discusses how money can be used intentionally to boost well-being, connection, and meaning in retirement. Tune in to hear how retirees can shift their mindset — and their spending habits — to find more joy and purpose in the years ahead. Some topics covered: Why “more money” isn’t always the answer The surprising results of the global $10,000 study Which spending categories actually boost happiness How retirees can align their money with their values Four powerful reflection questions to guide more joyful spending

In this Q&A session, Tori and Nick sit down with Connie to answer real questions about how our firm approaches retirement withdrawals using a risk-based guardrail strategy. Watch this podcast to gain a fuller understanding of how our dynamic withdrawal approach works, how it adapts to market conditions, and why it gives retirees more clarity and confidence without relying on rigid rules of thumb. Some topics covered: What are guardrails and how do they work? How do we adjust withdrawals during market ups and downs? Why flexibility matters more than precision. Whether you’re approaching retirement or already in it, this conversation will give you a clearer picture of how we help clients enjoy their money—without the fear of running out.

How will I handle market drawdowns in retirement? This is a question we hear often. People want to know what their retirement plan will do when the market takes a downturn. They want to know what their plan will be. Will they have a bucket of money sitting somewhere? Will they make adjustments to their portfolio?

One question we hear often is “Will my SS be taxed?” When you retire and begin taking your SS benefits, will the government want to tax that? After all, haven’t you already paid taxes on this money? Add to that—there’s been some talk about NOT taxing SS benefits at all! How might that impact your retirement? And is it as good as it sounds?

Today, we’re tackling a big question: Should I gift money now or wait until later? You want to give gifts to loved ones or to charities--- but you’re questioning when the right time would be for that. When could they best use that money? Will I need that money someday?

Today, we’re talking about investing in stocks during retirement. People ask about balancing growth vs safety in retirement. You hear all of this negative stuff about the stock market. Should I keep investing in retirement?” that’s the question we’re answering today.

People ask if they should work an extra year or not. We hear it a lot--- and the answer is not just about money—it’s about your lifestyle, your health and what you want your retirement to look like.

If you’ve ever been told, “ A Roth conversion is the best thing you can do for your retirement, “ this episode is for you…. Because you also need to know when they might NOT be a good idea. While converting your Traditional IRA or your 401k into Roth has some fantastic benefits, there are times when it might not be a good idea… Today we will talk about the scenarios where it might actually work against you.

There is a right time to hire a financial advisor and there’s a wrong time---- or at least a time when they aren’t as beneficial. We’ve spoken with countless individuals who are seeking clarity about their financial futures. Some of them ask outright, “Should I hire a financial advisor now, or wait?” That’s the exact question we’re discussing today.

There are 5 conversations every couple should have before they retire. Retirement isn’t just a financial transition; it’s a lifestyle change that affects every aspect of your life—especially for couples. Today, we’re diving into the five financial conversations every couple needs to have before retiring to make sure you’re on the same page and set up for success.

Today, we're addressing a topic that’s in headlines quite often: What happens if Social Security becomes insolvent? Is it really going away in 2034? Should you worry about your benefits? …and what you can do to prepare. Check Out Our YouTube Channel: www.youtube.com/@brindleandbay

You’ve been scrolling social media, chatting with friends, or attending reunions, and it feels like everyone is posting about their retirement parties, exotic vacations, and new hobbies. Meanwhile, you’re still setting the alarm for work every morning. Why does it feel like everyone’s ahead of you—and what should you do about it?" That’s what we’re going to talk about today.

The responsible side of each and every one of us knows we should be doing certain financial planning things each year. But we’re busy people and most of us can only make time to do the things that are THE MOST ESSENTIAL. So today we’re going to talk about mastering your money with only the most pressing things people nearing retirement should do. Check Out Our YouTube Channel: www.youtube.com/@brindleandbay Contact: Website - https://www.brindleandbay.com/ 214-988-9178

People say they don’t get a straight answer about fees. Investment fees are very misunderstood. In today’s episode, we walk through a practical guide to help you understand the different types of fees that you might be paying when it comes to an advisor and your investments. Check Out Our YouTube Channel: www.youtube.com/@brindleandbay Contact: Website - https://www.brindleandbay.com/ 214-988-9178

We all know that life throws curveballs—whether it’s an unexpected medical bill, a job loss, or a surprise home repair. But are you truly prepared? How much should you have set aside? Where should you keep that money so it’s accessible when you need it most? And how does your emergency fund change as you move through different stages of life? Check Out Our YouTube Channel: www.youtube.com/@brindleandbay Contact: Website - https://www.brindleandbay.com/ 214-988-9178

Today's episode is part of a special series for our book club on Morgan Housel's The Psychology of Money. Tune in as we chat about the last few chapters of this book!

Today on the podcast we want to take a moment to answer a few listener questions. Tune in to see if they might be a few questions you’ve had yourself. Check Out Our YouTube Channel: www.youtube.com/@brindleandbay Contact: Website - https://www.brindleandbay.com/ 214-988-9178

Today's episode is part of a special series for our book club on Morgan Housel's The Psychology of Money. Tune in as we chat about chapters 16 and 17, which focus on the knowing your own financial goals and avoiding comparison. Check Out Our YouTube Channel: www.youtube.com/@brindleandbay Contact: Website - https://www.brindleandbay.com/ 214-988-9178

As election cycles heat up, everyone has questions about how their plan will fare during this time period. With all the political noise and speculation, it can be hard to know whether you should stay the course, adjust your strategy, or sit on the sidelines until things settle down. But here’s the thing: elections are a regular part of the investment landscape, and with the right mindset and strategy, you can navigate this period with confidence. Check Out Our YouTube Channel: www.youtube.com/@brindleandbay Contact: Website - https://www.brindleandbay.com/ 214-988-9178