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Retirement Answer Man

1
Retirement Answer Man

Roger Whitney, CFP®, CIMA®, RMA, CPWA®, AIF®

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A top retirement podcast. Roger Whitney, CFP®, CIMA®, CPWA®, RMA, AIF® guides you on how to actually do retirement well financially and personally. This retirement podcast isn't afraid to talk about the softer side of retirement. It will teach you how to retire with confidence. Two-time PLUTUS winner for best retirement podcast / blog and the 2019 winner for best financial planner blog. This retirement podcast covers how to create a paycheck, medicare, healthcare, Social Security, tax manage ...
 
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Take Back Retirement

1
Take Back Retirement

Stephanie McCullough & Kevin Gaines

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You’re a woman on the cusp of “retirement” naturally feeling some anxiety. We are two financial planners who take this subject seriously (but ourselves less so). We will help you feel more confident about your choices by cutting through the myths and mysteries. Through conversations and interviews with both subject-experts and women who have gone through what you are approaching, you will have the correct information and motivation to be in control of your future.
 
If you’re 55 and older and thinking about retirement, then this podcast is for you. From tax planning to managing your investment portfolio, it covers the issues you should be thinking about as you develop your financial plan for retirement. Your host, Ryan Morrissey, is a Fee-Only CERTIFIED FINANCIAL PLANNER TM who lives and breathes retirement planning. He’ll be bringing you stories and real life examples of how to set yourself up for a successful retirement.
 
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show series
 
Everyone has their own unique tax puzzle. Retirement can be an especially challenging time because there are many uncharted waters to navigate for new retirees. Did I pay enough taxes during the year? How can I avoid paying penalties altogether? Questions like these can seem intimidating, but they don’t have to be! On this episode, I’m joined by ta…
 
As you embark on your retirement journey, life’s question changes from what can you do to what will you do? You have so many choices that are available to you that the question of what to do next can be daunting. I explore these questions with Michael Bungay, author of the new book, How to Begin. Michael’s interview isn’t the only thing that’s in s…
 
Today, Stephanie and Kevin cover a topic that can often get confusing for many people: the estate and gift tax system. This is different from the income tax system, and both are federal tax systems that everyone needs to be aware of when planning for retirement. At the end of the day, the IRS is getting paid. The only two questions, then, are: Who …
 
If you’re approaching the age of 72 and you still have questions about Required Minimum Distributions (RMD), this episode is for you! We’ll take a deep dive into all things RMD so that you know what they are, how much you can expect to take out, and the best way to withdraw them. I’ll also give you helpful strategies to prevent RMDs from inflating …
 
Welcome to the second installment of Retirement Plan Live. This is the episode where we run the initial numbers for Joelle’s retirement. We’ll walk through the 3 categories to define Joelle’s base needs, wants, and wishes and put number values to each of these areas. In addition to the interview with Joelle, you’ll hear listener questions about how…
 
A new year means a new Retirement Plan Live! Over the course of the next 4 episodes, you’ll hear about Joelle and Mike and their plans for their recent retirement. Then, at the end of the month on January 27, we’ll wrap RPL up with a live webinar that you can participate in. Head on over to LiveWithRoger.com to register. On this episode, you’ll lea…
 
If you’re looking to retire in the next few years, this episode is for you. As we move into 2022 you can start your year right and get your retirement plan in order by doing a handful of simple “money moves” to ensure you’re on the right track. This is a rapid-fire, easy-to-follow episode so get out your pencil and paper and take some notes. We’ll …
 
Today, Stephanie and Kevin offer a unique perspective on the show by diving deep into their own backgrounds as financial planners. The two kick things off with a brief history of their first jobs before reflecting on their first ever roles in the financial services industry. Then, Stephanie discusses the inspiration behind Sofia Financial and how s…
 
Taking out a line of credit on your home can be a great wealth management strategy, but it can also feel like a scary process. Who should you get the loan through? How long do you have to pay it back? Why should you even do it in the first place? On this episode, I’m going to tell you the seven things you need to know about home equity lines of cre…
 
Do you own any cryptocurrency? First introduced in 2009, Bitcoin and other cryptocurrencies have exploded in popularity over the past few years. On this episode of Retirement Answer Man, we’ll discuss what cryptocurrency is, how it is revolutionizing the banking system and the drawbacks of this new type of currency. Listen in to learn whether you s…
 
If you’ve attended one of my retirement readiness workshops, you’ve probably heard me say that every working person needs an emergency fund containing three to six months of income. But what about retirement? Should someone still keep an emergency fund even if they receive a steady retirement income? Listen to this episode to hear me go over the fo…
 
Do you have a system for estimating what your future RMDs will be? Should you keep a mortgage or pay off the balance of your house in retirement? What should you do with the money that you withdraw to fill up your tax bracket? These are just a few of the questions that will be answered on this episode of Retirement Answer Man. Press play to check i…
 
Trusts. What the heck are they and why might it be a good idea for you to have one? Most people believe that trusts are this elusive thing reserved for the uber-wealthy… …or have only heard of it as being a sort of plot device in a movie or murder mystery. Joining us today is attorney Shannon Evans, a recognized expert in the area of trusts and est…
 
Have you recently received a letter notifying you of an exorbitant increase in your property value that will lead to much higher property taxes? Do you know your options? I get it: Everyone’s taxes increase over time. Dealing with inflation is a universal experience. My goal for this episode is to help you identify and prevent gratuitous increases …
 
Do you have a net worth statement that you update regularly? Whether or not you do, you’ll want to learn about the psychological benefits that this exercise can create. In this episode of The Retirement Answer Man show, we’ll discuss what a net worth statement is and how you can gain from creating one regularly. You’ll also hear several listener qu…
 
Working while collecting Social Security has become a popular choice for those approaching retirement, but is it the right choice? If you’ve been thinking about receiving Social Security benefits early, this is your episode! There are seven things you need to know before making this decision. I’m going to walk you through each of them so you can ge…
 
You have probably heard me refer to a retirement plan of record in the past few episodes, but you may be wondering what exactly this is. I have had several listeners reach out and ask me to define this term, so in addition to hearing listener questions, today you’ll learn exactly what a retirement plan of record is and how it can help you plan your…
 
Rocking retirement doesn’t mean getting your Roth conversions right, it means minimizing your regrets. At the end of your life, you don’t want to think “yay, I paid fewer taxes!” you want to think “wow, my life was awesome!” Overcoming the frugality that stems from a lifetime of saving is one way to live a life free of regret in retirement. To ensu…
 
Are you receiving the maximum financial benefit from your charitable donations? Are you giving your hard-earned money to the IRS when you could be giving it to charities you’re passionate about? The answer to either question could be burning a hole in your wallet. That’s why it’s important to familiarize yourself with donor-advised funds (DAFs)! Jo…
 
How do you pivot from a moderately aggressive portfolio in the accumulation stage of retirement planning to the decumulation stage? In today’s episode, we tackle two listener questions about the mechanics of decumulation in retirement planning. You’ll also hear a question about using QLACs to reduce RMDs. If you are wondering about the details on h…
 
Year End Tax Savings Opportunities for Dentists and Small Business Owners, with Dr Mark Costes, Part 2, #72 This week we are featuring part two of my conversation on the “Dentalpreneur Podcast” with Dr. Mark Costes. In our conversation, we finished discussing the 7 year end tax strategies for dentists. While this conversation is tailored to the den…
 
You did it. You made the leap. You left behind that corporate 9-to-5, the micromanaging boss, the freeloading coworker... Now, you’ve started your own thing. You have endless potential. The world is your oyster. You can do what you’ve always dreamed of. It’s a dream many of us are striving for. But, it’s easy to forget that we still should be savin…
 
We often have monthly themes to guide the topics of this show, but this month on Retirement Answer Man we are doing a bit of a mishmash. Today I want to share some thoughts I had on retirement in general and answer a few retirement questions. As you listen, think about which topics apply to you and your situation and see if you can come up with act…
 
Every year we have an opportunity to evaluate our current financial status and make changes that can benefit us when tax time rolls around. It’s that time of year again, so I thought I’d bring you some resources to help you make the needed changes that will benefit you. The format in which I’m doing that is through a recent opportunity I had to be …
 
What can you do to bring in some additional income into your household? What would it look like to start a new opportunity that works around your schedule? If you are looking for a way to get ahead financially or if you are just looking for a new career, this is the episode for you! For this episode, I’ve brought a special guest, Maria Kertez to he…
 
Ever since listeners enjoyed our Retirement Tax Management series with Andy Panko we have received an influx of questions surrounding taxes. I’ll answer several questions today about filling up your tax buckets. I’ll also respond to queries about planning when to take Social Security when you will have excess RMDs and how to incorporate balanced fu…
 
Do you wish you could find a comprehensive guidebook to help you plan your retirement? If so, you won’t want to miss this interview with Dr. Wade Pfau. Wade is the founder of the Retirement Researcher website and a retirement income professor at the American College. He is also the author of several books and his newest, the Retirement Planning Gui…
 
How should your Health Savings Account factor into your plans for retirement? Who should you list as a beneficiary for your HSA? Is it really worthwhile to use an HSA to protect your money? If you are worried about how to factor your HSA into your retirement plan, you’ve come to the right place! On this episode, you’ll hear me answer some important…
 
Do you understand what you need to do to build a happy retirement? My guest today has studied the data to tell the story of happy retirees in his new book, What the Happiest Retirees Know. Wes Moss is not only an author of multiple books, he is the host of the live radio show, Money Matters, and the Retire Sooner podcast. Learn the habits to develo…
 
“How much money should I have in the bank?” It’s a question that Stephanie and Kevin hear on a very regular basis. No doubt about it: it’s important to have cash on hand; but, with a well-thought-out financial plan, you can really start to make cash work for you. Listen in as Stephanie and Kevin invite listeners to sort out the purpose of their dol…
 
Do you let perfection get in the way of progress? Trying to reach perfection could prevent you from reaching your goals. Retirement coach, BW joins me to discuss forward movement and setting realistic goals. In this episode, you’ll also hear listener questions about claiming spousal Social Security, preparing for retirement after divorce, and annoy…
 
Is it a good idea to continue to stay in your home that you’ve paid off in retirement or does it make sense to sell and rent a smaller residence? Can renting end up saving you money in the long run? Join me on this episode as we dive into the world of homeownership and rental properties. We will discuss some critical aspects of this conversion and …
 
Over the past several episodes you have learned so much about tax planning in retirement. You learned why tax planning is important, all about the hidden tax bombs, and tools that you can use to defuse those tax bombs. Now it’s time to incorporate all of this newfound knowledge into your retirement plan. Andy Panko from Tenon Financial joins me onc…
 
Roth conversions, HSAs, pension choices, risk management: these are the topics of today’s listener questions. Susan, Gina, IM, and Daniel all submitted their questions to me via RogerWhitney.com/AskRoger and you can too! If you have any retirement questions, or even if you simply want to leave a comment about the show, click on the link to present …
 
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