Retirement Answer Man

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

  • 55 minutes 17 seconds
    How to Quality Check Your Retirement Plan

    💬 Show Notes


    In this episode, we tackle the intricacies of retirement planning and the importance of trusting your financial projections. Join us as we explore the concept of 'productive paranoia' and how it can help you avoid costly errors in your retirement strategy. We'll also hear a heartfelt travel story from Scott, who shares how he embraced international travel after a significant life change. Don't miss this enlightening discussion that will empower you to take charge of your retirement journey!


    OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN 

    • (00:00) This show is dedicated to helping you have the confidence to rock retirement.
    • (01:15) How do you have confidence in your retirement plan?
    • (04:44) How do you quality check your plan?
    • (05:07) Let’s start by talking about the concept of productive paranoia from Jim Collins’ Great by Choice—a mindset of staying hyper-aware, building buffers, and zooming out for perspective to strengthen your retirement plan even when things seem to be going well.
    • (07:09) Quality checking a retirement plan means making sure the inputs and results align with your goals.
    • (08:33) What are the most common unforced errors?
    • (12:21) What are some of the obstacles to quality checking your plan?
    • (13:30) How do we quality check a retirement plan using metacognition?
    • (19:30) What is the benefit of reading your goals out loud?
    • (22:45) Another tactic is running your plan through another system.


    INTERVIEW WITH SCOTT 

    • (24:40) Roger continues talking about traveling in retirement.
    • (26:20) Roger reads an email from his client Larry, an avid RV traveler.
    • (28:30) Roger introduces Scott for a conversation about international travel.
    • (34:30) Scott shares thoughts about both solo and group travel.
    • (39:30) Scott talks about traveling after his wife of 30 years passed away.
    • (41:25) Some people feel intimidated being the third wheel even when they're invited
    • (43:50) Roger says he is really interested in the micro communities of people who are comfortable enough to travel together.
    • (47:55) Roger asks Scott what advice he would give to people to embrace single traveling.
    • (50:30) Roger reflects on how we often overlook the beauty of our own surroundings and asks Scott what deeper meaning travel holds for him in retirement.


    SMART SPRINT

    • (53:20) In the next seven days, quality check your plan of record using some of the tools we talked about.


    BONUS

    • (53:50) Roger reads the last entry in his grandfather’s WWII journal.


    REFERENCES

    BOOKS


    Great by Choice: Uncertainty, Chaos, and Luck- Why Some Thrive Despite Them All
    - Jim Collins

    TRAVEL WEBSITES

    FOLLOW US ON SOCIALS


    18 June 2025, 8:00 am
  • 50 minutes 12 seconds
    How to Rebalance Your Portfolio in Retirement

    💬 Show Notes


    In this episode, Roger Whitney dives into the essential elements of not just surviving, but thriving in retirement. We kick off with a listener's story about the challenges of early retirement and the important questions that arise during this transition. Then, we shift gears to a practical planning segment on how to rebalance your retirement portfolio as life and market conditions change. Lastly, we hear from Karen and Shannon, two adventurous retired women, as they share their inspiring experiences traveling internationally and building confidence in their new lifestyles. Tune in for insights that can help you rock your retirement!


    SUMMARY OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

    • (00:00) This show is dedicated to helping you rock retirement.
    • (00:54) Next week on the show we are going to talk about how to quality check your retirement plan.


    ROCKIN’ RETIREMENT IN THE WILD

    • (01:34) A listener sent in an email about her retirement experience.


    PRACTICAL PLANNING SEGMENT

    • (04:50) In the practical planning segment, Roger reviews how to rebalance your portfolio in retirement.
    • (06:30) What is rebalancing, and why does it matter in retirement?
    • (08:30) How often should you rebalance your portfolio?
    • (09:20) Step 1: Review your actual spending compared to your plan of record.
    • (11:03) Step 2: Adjust or update your projected spending for the year ahead.
    • (13:30) Step 3: Refresh your income estimates and update asset values.
    • (15:19) Step 4: Run a feasibility check—use Monte Carlo simulations or your household balance sheet.
    • (16:01) Step 5: Test your plan’s resilience and update your allocation strategy.
    • (18:45) Step 6: Consider your contingency fund—how much cushion do you need, and how will you refill your 5-year income floor?

    INTERVIEW WITH SHANNON AND KAREN ABOUT TRAVELING IN RETIREMENT

    • (22:51) Roger talks with Shannon and Karen about traveling internationally in retirement as single women.
    • (31:10) You had several hurdles to overcome.
    • (33:13) Karen says she likes traveling with a group and hiring individual guides.
    • (37:05) Newer tours are much more curated and intimate than they used to be.
    • (42:25) What advice would you give to someone who is single and nervous about traveling internationally alone?


    SMART SPRINT

    • (47:34) ​In ​the ​next ​seven ​days,​ schedule an hour to an hour and a half during the third quarter of the year for a “retirement rebalancing meeting,” clearly outlining your plan on your calendar so you can prepare and follow through effortlessly.


    BONUS

    • (48:30) Roger reads from his grandfather’s WWII journal.


    REFERENCES

    TRAVEL WEBSITES

    FOLLOW US ON SOCIALS

    11 June 2025, 8:00 am
  • 35 minutes 12 seconds
    How to Improve Your Retirement Travel

    💬 Show Notes


    In this episode, we explore the joys and motivations behind traveling in retirement. Join us as we discuss why travel is a common goal for retirees, featuring insights from Andrew Motiwala, founder of A Good Life Abroad. Discover how to enhance your retirement travel experiences and learn about the various obstacles retirees face when planning their adventures. Tune in for inspiring stories and practical tips to help you feel 'awake' and engaged in your retirement journey!


    SUMMARY OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

    • (00:35) Today on the show, we're going to talk about how to improve retirement travel.


    ROCKIN’ RETIREMENT IN THE WILD

    • (02:26) Two quick rocking life in retirement stories.


    TRAVEL IN RETIREMENT

    • (04:22) Why do we want to travel in retirement? 
    • (10:25) When we're thinking about traveling, what are obstacles?
    • (13:11) Roger talks about types of travel to perhaps overcome some obstacles.
    • (14:00) There are lots of travel opportunities in the United States or even regionally if International travel is too much.


    INTERNATIONAL TRAVEL WITH ANDREW MOTIWALA

    • (17:22) Roger chats with Andrew Motiwala- the founder of Good Life Abroad.
    • (20:35) The Good Life Abroad helps people live abroad in a vetted curated apartment for a month or two at a time with on the ground support.
    • (24:00) What are the advantages to using The Good Life Abroad versus booking it all yourself?
    • (25:33) Roger asks Andrew his opinion about why people want to travel in retirement.
    • (30:05) Roger asks what people do that take travel to a whole new level?
    • (31:13) What percentage of people who use Good Life Abroad are solo travelers?


    SMART SPRINT

    • (32:30) In the next 7 days, go somewhere new in your own zip code. Try a new park, museum, trail, or even a local brewery. Step outside your usual routine and give your brain a spark. 


    BONUS

    • (33:01) Roger reads from his grandfather’s WWII journal.


    REFERENCES


    FOLLOW US ON SOCIALS

    Show notes created by https://headliner.app

    4 June 2025, 8:00 am
  • 39 minutes 52 seconds
    Process Over Panic: What You Should Pay Attention To

    💬 Show Notes


    In this episode, we wrap up our series on Process Over Panic by focusing on what truly deserves your attention in retirement planning. Plans change, life surprises us, and retirement is unpredictable. But a solid planning process — one you revisit and refine — will help you rock retirement. Join us for an insightful discussion that includes practical advice, personal anecdotes, and answers to listener questions. 


    SUMMARY OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

    • (00:00) In this episode, we wrap up our Process Over Panic series by focusing on what truly deserves your attention in retirement planning. Inspired by Eisenhower’s quote — “Plans are worthless, but planning is everything” — we explore why your process, not your plan, is what will carry you through retirement with confidence.


    ROCKIN’ RETIREMENT IN THE WILD

    • (01:50) Roger shares a heartfelt retirement message through a set of creative prompts sent by a client


    PRACTICAL PLANNING SEGMENT

    • (03:40) What should you pay attention to?
    • (04:50) When you are doing retirement planning, you are planning for the future- something totally unpredictable.
    • (06:31) What deserves your attention in retirement planning?
    • (08:04) What is the intent of retirement planning?
    • (09:13) What are the obstacles to achieving our intent?
    • (13:10) Roger talks about how his experience in retirement planning gives him confidence.
    • (13:50) The Four Pillars of Retirement Planning help to build a flexible map for retirement.
    • (17:58) Roger explores the concept of the “Retirement Plan of Record” as a living document—not a one-time decision. Just like in relationships, decisions made once can lose their relevance over time if not revisited and reinforced.
    • (19:25) Roger goes back through the Four Pillars to talk about how often you should revisit them.
    • (24:10) Real-life reactions can reveal mismatches between theory and reality.
    • (25:06) Roger recommends compartmentalizing your retirement planning.


    LISTENER QUESTIONS

    • (27:30) John says he didn’t like how Roger said “don't follow your retirement plan” in a recent episode.
    • (29:07) Steve asks a question about asset allocation.
    • (31:03) Steven asks which retirement certification to look for in a retirement advisor or coach.
    • (33:02) Anonymous listener says they're looking to purchase financial management software that is secure and does good analysis.
    • (34:41) Susan asks about Medicare penalties and health insurance while still employed after age 65.


    SMART SPRINT

    • (37:30) In the next seven days, I want you to schedule your retirement planning meetings for the rest of the year.


    BONUS

    • (38:33) Roger reads from his grandfather’s WWII journal.


    REFERENCES


    BOOKS


    FOLLOW US ON SOCIALS

    Show notes created by https://headliner.app

    28 May 2025, 8:00 am
  • 1 hour 15 minutes
    Process Over Panic: Investing with Charles Ellis

    💬 Show Notes


    In this episode, Roger sits down with renowned investment expert Charles Ellis to explore what truly matters in retirement investing. Together, they focus on the key elements investors can actually control, the importance of maintaining cash reserves in retirement, and practical strategies to manage inflation risk.

    Roger and Charles also revisit timeless lessons from Ellis’s classic book, Winning the Loser’s Game, drawing on his decades of experience in investment management. The episode wraps up with thoughtful answers to listener questions on asset allocation, indexing, and rebalancing.


    SUMMARY OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

    • (00:00) Today the show is going to focus on investing.
    • (01:15) Roger explains the pie-cake and says there will be a video in The Noodle this week.
    • (02:38) What can we control and what can we not control in regards to investing?
    • (04:55) Let’s talk about building a retirement portfolio.
    • (06:52) What can you NOT control when building out a portfolio?
    • (09:40) What can you control in retirement planning? 


    INTERVIEW WITH CHARLES ELLIS

    • (13:24) Roger introduces Dr. Charles Ellis, author of Winning the Loser’s Game.
    • (18:54) Roger asks Charlie about indexing and passive investing.
    • (24:32) Dr Ellis talks about behavioral economics and recommends the book Thinking Fast and Thinking Slow.
    • (27:20) Roger talks to Dr. Ellis about minimizing unforced errors
    • (30:30) How do things change when you're in retirement and need to draw from assets?
    • (35:32) Roger says for an average person, the concept of having all of their financial assets in equities would be unnerving. What advice would you give to someone who doesn’t understand the financial concepts and the kind of volatility comes with this kind of account?
    • (38:43) Dr. Ellis talks about the current administration and the economy and how difficult times don’t last.
    • (42:02) Roger asks Dr. Ellis about his choice to not retire.
    • (46:34) Roger asks a question: What advice would you give me so I don’t look back with regret when I’m your age?
    • (51:34) Dr. Ellis answers a question about fear and worry regarding the future.
    • (54:22) Roger thanks Dr. Ellis for writing his books and helping so many.


    LISTENER QUESTIONS

    • (54:52) Today's show will focus on investing questions.
    • (55:11) Kevin says he doesn’t understand Roger’s concept of pie-cake- how to allocate your resources to fund your life.
    • (56:28) Vince submitted an audio question about the retirement floor.
    • (59:42) John asks for Roger’s thoughts on investing in multiple index funds versus all-in-one funds. And what is the difference between a mutual fund and an index?
    • (01:08:07) Ben asks about rebalancing and current market conditions.


    SMART SPRINT

    • (01:12:30) In the next seven days, take an assessment of the process you use when investing your assets for retirement.


    BONUS

    • (01:13:28) Roger thanks listeners for their positive feedback.
    • (01:14:13) Roger reads from his grandfather’s WWII journal.


    REFERENCES 


    Books


    Show notes created by https://headliner.app

    21 May 2025, 8:00 am
  • 1 hour 23 minutes
    Process Over Panic: Building a Great Life with Dr. Meir Statman

    It’s a super-sized episode today—and for good reason. We spend the bulk of the show in a deep, insightful conversation with Dr. Meir Statman, a leading voice in behavioral finance. I also walk you through the four non-financial pillars of retirement: mindset, energy, passions, and relationships. We'll talk about how to manage what you can control—and how to respond when life throws you the stuff you can’t. Plus, we answer a few of your questions. There’s a lot here, but it’s worth every minute. Let’s get to it.

    SUMMARY OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

    • (00:00) This podcast is dedicated to helping you survive retirement with confidence
    • (00:34) Today on the show we are going to focus on the non-financial realm as we continue talking about process and things we can control versus what we can’t control.

    ROCKIN RETIREMENT IN THE WILD

    • (02:14) Roger shares an anonymous message from a listener about her husband retiring and the confidence they have built in their retirement.

    PRACTICAL PLANNING SEGMENT

    • (04:50) Sometimes in retirement planning, we tend to overemphasize the financial side of things and forget about the rest of our lives.
    • (06:23) Roger identifies controllables and non-controllables within the non-financial pillars of retirement. 
    • (14:50) Roger talks about some examples of people who focused on things that they could control and found success.
    • (16:19) Roger says that the Rock Retirement Club has been a source of inspiration for him.


    INTERVIEW WITH MEIR STATMAN

    • (18:13) Roger introduces Meir Statman, author of A Wealth of Wellbeing.
    • (19:34) Roger asks what motivated Dr. Statman to write his latest book.
    • (22:10) Dr. Statman talks about his relationship with Nobel Prize winner, Harry Markowitz
    • (25:57) Roger talks about behavioral finance and what it means from his perspective.
    • (30:02) We talk about financial wellbeing but you also need to focus on life wellbeing.
    • (31:06) Dr. Statman discusses a u-curve in life wellbeing.
    • (37:25) Roger and Dr. Statman talk about accepting who you are.
    • (39:30) Dr. Statman talks about the components of wellbeing.
    • (41:49) Roger asks about social capital in retirement.
    • (49:00) Starting a conversation is really important, Meir says
    • (51:19) What is cultural capital?
    • (57:32) Developing social, cultural, and personal capital becomes harder as you get older.
    • (01:01:38) What is personal capital?

    LISTENER QUESTIONS

    • (01:04:42) Listener Brian sends a question about generating his retirement paycheck.
    • (01:17:52) Another listener named Brian asks about investing in annuities.


    SMART SPRINT

    • (01:22:20) In the next seven days, before you get out of bed, smile and tell yourself it is going to be a great day!

    BONUS

    • (01:22:48) Roger reads from his grandfather’s WWII journal.

    REFERENCES


     BOOKS

    14 May 2025, 8:00 am
  • 42 minutes 46 seconds
    Process Over Panic: Social Security

    This week, we continue our Process Over Panic theme by focusing on how to take back control in uncertain times. Learn how to shift your energy toward what you can control—and let go of what you can’t. Plus, Marcia Mantell joins us to break down the latest updates on Social Security and what they mean for your retirement plan. Tune in and take one more step toward a confident, purposeful retirement.


    SUMMARY OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

    • (00:00) This show is dedicated to helping you not just survive retirement, but rock it!
    • (01:58) We have to focus on things we can control and manage the things that we can’t.
    • (3:08) Today we are going to talk about social security- what we can control and what we can’t. 


    ROCKIN’ RETIREMENT IN THE WILD

    • (03:52) Roger shares a “Rockin’ Retirement in the Wild” story from a listener and member of the RRC.


    PROCESS OVER PANIC- SOCIAL SECURITY WITH MARCIA MANTELL

    • (06:30) There have been a lot of changes coming out of the Social Security Administration.
    • (07:40) What is controllable with Social Security?
    • (09:56) What are the uncontrollables with Social Security?
    • (13:51) To help us understand the current state of Social Security, we're talking with Marcia Mantell.
    • (15:38) Marcia says facts over fear are SO important and she is not fearful but watchful.
    • (18:49) What changes have happened recently with social security?
    • (23:00) There are different proposals floating around regarding Social Security to improve the implementation of the program.
    • (25:10) Marcia discusses her thoughts on the idea that Social Security will run out by 2033.
    • (28:55) How easy is it to create a sustainable Social Security system?
    • (31:47) The goal of Social Security is to provide a basic income, roof over our head, and food on the table.
    • (33:10) Over 50% of people rely on Social Security for their primary source of income.
    • (36:10) If you are 55 or older, should you make a material change related to what you anticipate your Social Security to be?


    SMART SPRINT

    • (40:56) In the next seven days, identify one thing in your retirement planning you can’t control that’s draining your energy. Then, take one small action to shift that focus toward what you can control. Awareness is the first step to rocking retirement—and life.


    BONUS

    • (41:49) Next installment from missions flown by Roger’s grandfather in World War II

    REFERENCES

    Show notes created by https://headliner.app

    7 May 2025, 9:00 am
  • 39 minutes 40 seconds
    Process Over Panic: Why to Resist the Urge to Think It's Different This Time

    💬 Show Notes


    In this episode, we tackle the pressing question, "Is this time different?" as we navigate the complexities of today's political and economic landscape. Join us as we explore the importance of perspective in retirement planning and discuss the basics of structured notes. We'll also introduce our upcoming events and share insights from renowned experts in the field. Don't miss this enlightening discussion that aims to help you not just survive retirement, but thrive!


    SUMMARY OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

    • (00:00) The narratives that you consume and ultimately create for yourself define your reality
    • (00:45) Today we are going to finish up our basics with the basics of structured notes and also talk about “process over panic” regarding the current state of affairs.


    IS THIS TIME DIFFERENT?

    • (04:10) Roger discusses whether the issues in the economy are different this time around then in times past. 
    • (07:40) The point of this discussion is to identify what is happening and how to respond to it.
    • (08:40) A better question when it comes to planning is “Is this time permanent?”
    • (10:58) Roger talks about the current markets versus historical markets.
    • (11:46) Since 1928, there have been around 26–28 bear markets, averaging a 35% drop and lasting about 9.6 months. They tend to come around every five years—and they’ve never been permanent. 
    • (12:47) From presidential elections to battles with the Fed, these cycles may feel chaotic—but they’re nothing new and they’re not permanent.
    • (14:31) Roger talks about “process over panic”


    STRUCTURED NOTES

    • (21:34) Roger goes over the basics of structured notes.
    • (22:17) Roger uses food as a metaphor to break down investments—organic options like stocks and bonds are simple and transparent. But structured notes? They're the Twinkies of the investment world.
    • (25:50) Structured notes at their core are debt. 
    • (26:57) Roger compares structured notes to wine—different types, different flavor profiles, and even the same variety can vary from year to year or region to region.
    • (28:31) What are some types of structured notes?
    • (29:22) What should you know about your structured notes?
    • (32:00) Each structured note has a prospectus, a legal document that investment managers are required to create, but they are very difficult to understand
    • (34:21) Roger sees structured notes as a potential building block for a retirement portfolio but avoids them due to their complexity. 


    SMART SPRINT

    • (36:35) In the next seven days, take five or ten minutes to write out your process for retirement planning.


    BONUS

    • (37:44) Roger reads from his grandfather’s WWII journal.


    REFERENCES

    30 April 2025, 7:00 am
  • 27 minutes 6 seconds
    Retirement Basics: Fixed Annuities (aka MYGAs)

    💬 Show Notes


    In this episode, we dig into fixed annuities and U.S. Treasuries—how they can bring stability and income to your retirement. We’ll also discuss Social Security risks and how to stress-test your plan so you can retire with confidence. Let’s get you one step closer to rocking retirement!


    SUMMARY OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

    • (00:00) Today we talk about the basics of fixed annuities.
    • (00:59) Roger continues the discussion on navigating retirement planning during uncertain times.
    • (02:06) Listener, Christina, asks Roger to consider stress testing including Social Security for the average potential retiree.
    • (07:17) Roger defines fixed annuities and how they fit into the retirement planning process.
    • (07:54) Roger evaluates the similarities and differences between CDs and fixed annuities.
    • (10:08) What are the negatives of fixed annuities?
    • (12:27) How are the rates of annuities determined?
    • (14:08) What are the primary uses of fixed annuities?
    • (15:12) Roger goes through an example of optimization using fixed annuities.


    LISTENER QUESTIONS

    • (19:38) Listener, Barbara, asks Roger to educate listeners about the basics of treasuries.


    SMART SPRINT

    • (24:36) In the next seven days, I want you to shift the way you approach your retirement planning. Think of yourself as a scientist—you're on a mission to discover and understand. When we run these stress tests or feasibility tests, the goal is to uncover where potential risks might exist and where opportunities could be hiding.


    BONUS

    • (25:25) Roger reads from his grandfather’s WWII Journal


    REFERENCES 

    Books:

    Show notes created by https://headliner.app

    23 April 2025, 8:00 am
  • 50 minutes 10 seconds
    Retirement Basics: Building Energy

    💬 Show Notes


    In this episode, Roger Whitney takes on one of the biggest challenges facing retirees today: how to plan confidently when the markets are anything but steady. He’s joined by Dr. Bobby Dubois for a thoughtful conversation about building the energy and vitality needed for a meaningful retirement. Together, they share simple, practical steps to help listeners take charge of their physical well-being—so they can show up strong, not just today, but for years to come. Plus, listeners will hear an inspiring story of someone making real progress on their retirement journey.


    SUMMARY OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

    • (00:00) Retirement planning is about creating a great life.
    • (01:19) Roger celebrates team members Erin and Troy today.
    • (02:08) Roger reflects on the messaging surrounding the current state of the markets.
    • (04:45) What should you do to cope with the turbulent markets and economy?


    PRACTICAL PLANNING WITH DR. BOBBY

    • (10:16) Today's practical planning is focused on building energy so you can show up for retirement.
    • (11:00) Roger introduces Dr. Bobby Dubois and talks about his podcast, Live Long and Well.
    • (12:10) Dr. Bobby talks about the basics of building energy.
    • (13:30) The power of compounding little consistent habits over time makes a big difference.
    • (15:20) Roger and Dr. Bobby discuss the importance of weight for overall health.
    • (17:55) What basic things can you focus on to help with building energy?
    • (18:05) Dr. Bobby talks about sleep and gives tips on how to improve sleep quality.
    • (22:45) Exercise is important for building energy- focus on cardio, strength, and balance.
    • (35:10) Dr. Bobby talks about optimal weight and two simple yet effective tips to maintain a healthy weight.
    • (40:00) There will be links to specific episodes of Live Long and Well in our newsletter, The Noodle, this week.


    ROCKIN’ RETIREMENT IN THE WILD

    • (42:28) Roger reads a note from an anonymous listener about rocking retirement.


    RETIREMENT ANSWER MAN LISTENER SURVEY

    • (44:45) Roger shares some results from The Retirement Answer Man listener survey.


    SMART SPRINT

    • (47:14)  In the next seven days, start by putting a few of Dr. Bobby’s ideas into action—get moving and build some momentum around your physical health. Once you’ve got a little rhythm going, shift your focus to tackling the stress that comes with market uncertainty. One step at a time—that’s how we build a more confident retirement. 


    BONUS

    • (48:24) Roger reads an excerpt from his grandfather's WWII journal.


    REFERENCES


    BOOKS:


    Show notes created by https://headliner.app

    16 April 2025, 8:00 am
  • 52 minutes 54 seconds
    Retirement Basics: Asset Allocation

    💬 Show Notes


    In this episode, we break down the essentials of asset allocation and time management in retirement planning. Join us as we explore why it's crucial to focus on the basics rather than getting lost in market predictions and investment products. We also share insightful listener questions and another entry from my grandfather's World War II journal. Tune in to learn how to rock your retirement!


    OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

    • (00:00) This week we continue talking about the basics with asset allocation.
    • (02:00) Time is your most precious resource.
    • (03:36) Retirement planning is a means to an end.
    • (05:45) We don’t want to waste time on trying to predict the future but on more important things like spending time on and in your life.
    • (06:15) Spend time on the basic building blocks of retirement planning.
    • (07:05) How does asset allocation fit into retirement planning?
    • (09:10) Inflation is the natural increase in the cost of living over time.
    • (13:52) What is asset allocation?
    • (16:10) Part of asset allocation is a concept called diversification.
    • (18:48) What is asset allocation best used for? 
    • (21:50) Two of the biggest determinants of where your asset allocation should be are your psychological preference and your time horizon.


    LISTERNER QUESTIONS

    • (24:13) Steve asks whether they should use a single vendor for all their accounts or diversify where they have their money housed in terms of investment firms.
    • (26:29) The next question comes from Nick related to asset allocation. 
    • (32:18) Question from an RRC member about Vanguard offering a direct conversion.
    • (35:48) Audio question from Leah about using IRA contributions to start building out a bond ladder or a shorter term allocation.
    • (39:50) Audio question from Patty who recently retired and needs to decide what to do with her 401k assets and how to choose an advisor.


    ROCKIN’ RETIREMENT IN THE WILD

    • (49:01) James says he is overfunded for retirement even with a 10%-15% market correction but will aim to do better.


    SMART SPRINT

    • (50:47) In the next seven days, think about your asset allocation and think about it within time segments.


    BONUS

    • (51:33) Roger reads from his grandfather’s WWII journal.

    REFERENCES

    Show notes created by https://headliner.app


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    9 April 2025, 8:00 am
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