『ClearPath Retirement Radio』のカバーアート

ClearPath Retirement Radio

ClearPath Retirement Radio

著者： Stewart Smith
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Every week, Stewart Smith and Mitch Davies sit down to talk about the retirement questions that matter most to pre-retirees and retirees in Greenville, Columbia, and Upstate South Carolina from retirement income and Social Security timing to tax planning, Roth conversions, Medicare, and protecting the savings you've spent a lifetime building. This is real-world financial talk designed for real people. People who want clear answers so they can make informed decisions and retire with confidence. Each episode includes Mitch's Market Minute: market commentary designed specifically for retirees who are living off their investments. Stewart Smith, LUTCF®, RICP® is a financial advisor, veteran, and author of Live a Fuller, Richer Retirement. He brings 25 years of experience working with South Carolina families and they start every conversation with planning, not products. 864-775-5033 clearpathretirement.com


Investment advisory services offered through Alphastar Capital Management, LLC, an SEC Registered Investment Adviser.

© 2026 ClearPath Retirement Radio 個人ファイナンス 経済学
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  • How to Choose the Right Retirement Planning Advisor (And Red Flags to Avoid)

    How to Choose the Right Retirement Planning Advisor (And Red Flags to Avoid)
    2026/08/29

    As you approach retirement or as a retiree, have you ever said this to yourself...

    "Am I going to run out of money before I run out of life?"

    "When do I start Social Security?"

    "Do I have the right Medicare plan?"

    If any of that sounds familiar, this episode is for you.

    Stewart Smith, LUTCF®, RICP®, and Mitch Davies, CFP®, break down exactly what separates a true retirement planning advisor from a general financial advisor and what you should look for (and look out for) before you hire one.

    In This ClearPath Retirement Radio Episode:
    → The difference between accumulation planners and retirement distribution planners
    → Why fiduciary status and dual licensing (securities and insurance) matter
    → How to decode advisor designations like CFP, RICP, and CFA
    → Why real-world experience is critical when it comes to retirement planning
    → The exact questions to ask before hiring an advisor
    → Red flags to watch for, including guaranteed returns and pressure tactics
    → What a complete retirement income plan should actually cover

    Timestamps:
    → [00:00] Intro
    → [01:53] Two types of financial advisors: accumulation vs. distribution
    → [03:49] Signs your advisor isn't built for retirement planning
    → [07:31] Why fiduciary status and dual licensing matter
    → [09:00] What it really means to be a fiduciary
    → [11:16] Decoding designations: CFP, RICP, and CFA
    → [15:50] Weaker designations to watch out for
    → [18:34] Why experience matters in retirement planning
    → [21:06] Character matters: why military service stands out
    → [25:07] Key questions to ask before hiring an advisor
    → [29:00] Ask about their planning process
    → [31:01] Understanding your custodian
    → [33:19] Breaking down fee structures and hidden fees
    → [38:59] Red flags: urgency, guaranteed returns, and unrealistic promises
    → [42:03] What a complete retirement income plan should include

    Subscribe to YouTube ClearPath Retirement Planning

    Ready to build your retirement plan?

    ClearPath Retirement Planning helps retirees and pre-retirees in the Upstate SC and Columbia areas and Western NC create tax-efficient retirement income strategies.

    📍 300 Executive Center Drive, Suite 104 | Greenville, SC 29615
    📞 (864) 775-5033

    Schedule your ClearPath Retirement Review today www.clearpathretirement.com

    Subscribe & Connect:
    YouTube: @ClearPathRetirementPlanning
    Facebook: https://www.facebook.com/ClearPathRetirement
    LinkedIn: https://www.linkedin.com/company/clearpathretirement

    Important Disclosure:

    Investment advisory services offered through Alphastar Capital Management, LLC, a SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm by the SEC nor does it indicate that the adviser has attained a particular level of skill or ability. Fixed insurance products are offered through Clearpath Retirement Planning, LLC and Alphastar Capital Management is not involved in the offer, recommendation, sale or management of commission-based fixed Insurance products. Alphastar Capital Management and Clearpath Retirement...
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    45 分
  • Why Two-Thirds of People Feel Behind And How to Actually Retire

    Why Two-Thirds of People Feel Behind And How to Actually Retire
    2026/08/22

    As you approach retirement or as a retiree, have you ever said this to yourself...

    "I'm just going to have to work forever."

    "What if I retire and end up like my dad — gone within six months?"

    "I don't see the path. It just feels impossible."

    If any of that sounds familiar, this episode is for you.

    Stewart Smith and Mitch Davies sit down to talk about a survey that found nearly two-thirds of Americans don't believe they'll ever be able to retire and why, in their 25+ years of working with real clients, that fear almost never matches reality.

    In This Episode:
    → Why so many people feel behind on retirement since the pandemic
    → Maria's story — how a waitress with no 401(k) retired comfortably starting at age 48
    → Why retirement is about income, not just how much you've saved
    → The power of compounding — how an extra $500 a month can mean six figures more at retirement
    → Why helping adult children financially can quietly derail your own retirement
    → "There's no loan for retirement" — why saving should come before college costs
    → Paying off your house, claiming two Social Security checks, and why old 401(k)s and small pensions matter more than people think
    → Why understanding your monthly expenses is the single most valuable thing you can do, at any age

    Timestamps:
    → [00:00] Why two-thirds of Americans think they'll never retire
    → [01:27] Retirement is about income, not assets
    → [05:29] Maria's story — from waitress to retired
    → [07:21] The Roth IRA and Social Security strategy that changed everything
    → [14:00] It's not how much you have, it's what you need
    → [19:00] The power of compounding — how $500 more a month adds up
    → [24:00] Helping adult children without wrecking your own retirement
    → [27:00] Why there's no loan for retirement
    → [32:00] A modest-income couple's real path to retirement
    → [39:00] Paid-off homes, two Social Security checks, pensions, and forgotten 401(k)s
    → [41:00] Why your expenses matter more than your account balances

    Subscribe to YouTube ClearPath Retirement Planning

    Ready to build your retirement plan?

    ClearPath Retirement Planning helps retirees and pre-retirees in the Upstate SC and Columbia areas and Western NC create tax-efficient retirement income strategies.

    📍 300 Executive Center Drive, Suite 104 | Greenville, SC 29615
    📞 (864) 775-5033

    Schedule your ClearPath Retirement Review today www.clearpathretirement.com

    Subscribe & Connect:
    YouTube: @ClearPathRetirementPlanning
    Facebook: https://www.facebook.com/ClearPathRetirement
    LinkedIn: https://www.linkedin.com/company/clearpathretirement

    Important Disclosure:

    Investment advisory services offered through Alphastar Capital Management, LLC, a SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm by the SEC nor does it indicate that the adviser has attained a particular level of skill or ability. Fixed insurance products are offered through Clearpath Retirement Planning, LLC and Alphastar Capital Management is not involved in the offer, recommendation, sale or management of commission-based fixed Insurance products. Alphastar Capital Management and Clearpath Retirement...
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    45 分
  • What's Your Relationship With Money? A Wealth-Building Conversation for Every Generation

    What's Your Relationship With Money? A Wealth-Building Conversation for Every Generation
    2026/08/15
    Have you ever said this to yourself..."I'm terrible with money.""I'm so tired of working and having nothing to show for it.""I'm never going to have the advantages that rich people do."If any of that sounds familiar, this episode is for you.Stewart Smith, LUTCF®, RICP® and Mitch Davies sit down to talk about something most financial conversations skip right past: your actual relationship with money. Where it came from, why it feels the way it does, and what to do about it — whether you're just getting started or you're sitting on real assets and wondering if you've built things the right way.This one isn't just for people starting out. If you're within five to ten years of retirement, the questions Stewart and Mitch raise here still apply — how your money is taxed, which accounts you're pulling from, and whether your investments still match what you actually want your life to look like. A lot of people build their portfolio in their 30s and 40s and never look at it again with fresh eyes. This episode is a good excuse to.They break down why the gap between people who invest and people who don't keeps widening, what real compounding looks like over time, and the three "buckets" of money every investor eventually needs to understand — brokerage, tax-deferred, and Roth — and how each one is taxed differently. They also get into the harder question: if money weren't the thing driving your decisions, who would you be?In This Episode: → Why your relationship with money often traces back to what you learned growing up → The real math behind compounding and why starting early changes everything → The three buckets of money — brokerage, tax-deferred, and Roth — and how each is taxed → Roth IRA contribution limits and income phase-outs → Why "comparison is the death of joy" when it comes to financial happiness → The identity question: who would you be without money defining your choices → Why understanding money teaches you how the world actually works → Why this conversation matters just as much if you're already close to retirement as it does if you're just getting startedTimestamps: → 00:00 - The widening gap between investors and non-investors → 01:39 - What Stewart learned (and didn't learn) about money growing up → 03:17 - The real definition of financial freedom: your money making what you make → 04:23 - The "magic" in the market: real examples over 10 years → 08:08 - The compounding effect and why starting early wins → 17:38 - The identity question: who would you be without the money stress? → 20:01 - The comparison trap and why it steals your joy → 21:37 - A client's story: paid-off home, paid-off cars, retiring debt-free → 22:22 - Stewart's rule of thumb on debt: what's actually worth borrowing for → 29:07 - The three buckets of money — brokerage, tax-deferred, and Roth → 31:40 - Roth IRA income limits and who they're really built for → 34:15 - Why there are "two sets of tax laws" — one for the informed, one for the uninformedStewart Smith, LUTCF®, RICP®, and Mitch Davies of ClearPath Retirement Planning talk through this every week. Catch ClearPath Retirement Radio every Saturday at 10 AM Subscribe to YouTube ClearPath Retirement Planning Ready to build your retirement plan?ClearPath Retirement Planning helps retirees and pre-retirees in the Upstate SC and Columbia areas and Western NC create tax-efficient retirement income strategies. 📍 300 Executive Center Drive, Suite 104 | Greenville, SC 29615 📞 (864) 775-5033Schedule your ClearPath Retirement Review today www.clearpathretirement.com Subscribe & Connect: YouTube: @ClearPathRetirementPlanning Facebook: https://www.facebook.com/ClearPathRetirement LinkedIn: https://www.linkedin.com/company/clearpathretirementImportant Disclosure:Investment advisory services offered through Alphastar Capital Management, LLC, a SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm by the SEC nor does it indicate that the adviser has attained a particular level of skill or ability. Fixed insurance products are offered through Clearpath Retirement Planning, LLC and Alphastar Capital Management is not involved in the offer, recommendation, sale or management of commission-based fixed Insurance products. Alphastar Capital Management and Clearpath Retirement...
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    49 分
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