Retirement Planning After 40: How to Bulletproof Your Income & Retire With Confidence with Tom Bell | Radiant Conversations Ep. 10

Are you within 10 years of retirement and still thinking like a saver instead of an earner? Joe and Shaun sit down with financial planner Tom Bell of My Coastal Wealth (mycoastalwealth.com) — Purdue & Penn State engineer turned retirement strategist — to reveal why your 401(k) and 60/40 portfolio won't protect you in retirement, and the bulletproof framework that will. If you want sustainable income, not sleepless nights, this is the retirement conversation you need.

In this episode, we cover:

• 🔄 Accumulation vs. Distribution — why your money mindset must flip completely as you approach retirement

• ⚠️ The 7 Retirement Risks nobody warns you about — inflation, RMDs, survivability, long-term care & more

• 📉 Sequence of Returns Risk — how a market dip early in retirement can devastate your portfolio (and how to avoid it)

• 💰 Building an Income Floor — creating steady, reliable income for essentials no matter what the market does

• 🛡️ Annuities: Good or Bad? — variable, RILA & fixed annuities explained without the sales pitch

• 🎲 The Monte Carlo Model & eMoney — how Tom stress-tests your plan to measure probability of success

• 📊 The 4% Withdrawal Rule — why it's outdated and how strategic planning aims for higher, safer withdrawals

• 🏦 The Volatility Buffer — the money market trick that keeps you from selling in a downturn

• 👩‍❤️‍👨 Loss of a spouse & legacy planning — the income shock most couples never plan for

• 😌 From worry to joy — real client stories of finding clarity, confidence & peace of mind in retirement

Tom's engineering approach cuts through the jargon: stop chasing growth, start engineering safety, sustainability, and strategic income for the next 30 years.

👍 If this episode gave you clarity, hit LIKE and SUBSCRIBE for more conversations that help women over 40 navigate life, money, health & beauty with confidence.

💬 What's your biggest retirement worry — running out of money, market crashes, or healthcare costs? Drop it in the comments!

📧 Connect with Tom Bell — My Coastal Wealth (MassMutual): www.mycoastalwealth.com/our-team/tbell

tombell@mycoastalwealth.com

317-777-0843

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YouTube: @RadiantRestyleCollective

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#RetirementPlanning #FinancialPlanning #RetirementIncome #AnnuitiesExplained #401kRetirement #RetirementTips #WomenOver40 #RetirementMistakes #FinancialFreedom #RadiantConversation

Are you claiming Social Security at the wrong time? Joe and Shaun sit down again with Medicare and Social Security guru Paula Webber of Webber Insurance — back by popular demand — to reveal the Social Security mistakes that cost retirees thousands and the strategies that maximize every dollar you've earned. If you're approaching 62, 67, or helping a loved one navigate retirement, this is the conversation you can't afford to miss.

In this episode, we cover:

• 🔑 Create your SSA.gov account NOW — why you need one at ANY age (even in your 30s) to track earnings and catch errors early
• 🎂 Full Retirement Age (FRA) explained — why 67 is the magic number if you were born after 1960, and what happens if you claim at 62 vs. delay to 70
• 💰 The $24,600 trap — how working while collecting benefits can force you to PAY BACK Social Security
• 💸 Yes, Social Security is taxed — the $24K (single) / $30K (married) threshold where 85% of your benefits become taxable, and how to handle withholding
• 💍 Spousal benefits — how to claim up to HALF your spouse's benefit and the 10-year marriage rule most people get wrong
• 🕊️ Widow's benefits — what happens to your check if your spouse passes, and why remarrying before 60 changes everything
• ♿ Social Security Disability (SSDI) — why it's based on projected earnings and why it's not as easy to get as you think
• 🏥 The Medicare Part B surprise — why your premium is automatically deducted from your Social Security check
• 📞 "Is that call really from Social Security?" — why legitimate calls now show up as spam and how to verify them
• 🧭 Be your own advocate — why Paula says to never rely on the government to tell you what you're owed.

Paula breaks down complex rules into plain English, shares real-world stories from clients, and stresses one thing above all: get professional advice — because one wrong decision at 62 can cost you for the next 30 years.

👍 If this episode helped you, hit LIKE and SUBSCRIBE for more conversations that matter — from hair and beauty to health, retirement, and life after 40.

💬 When are YOU planning to claim Social Security — at 62, 67, or 70? Drop it in the comments and tell us why!

📧 Connect with Paula & David Webber — Webber Insurance:
http://webberinsurancellc.com


Follow us:
YouTube: @RadiantRestyleCollective
Instagram: @radiantrestylecollective
TikTok: @radiant_restyle

This podcast is for educational purposes only and is not a substitute for professional financial advice. Always consult your own financial expert.

#RetirementPlanning #SocialSecurity #SocialSecurityBenefits #WhenToClaimSocialSecurity #SocialSecurityExplained #SpousalBenefits #RetirementTips #WomenOver40 #MedicareAndSocialSecurity #RadiantConversation

Things I Wish I'd Known Before My Husband Died Suddenly 💔 | Radiant Conversations Episode 8

Joe and Shaun sit down with Kim, a widow of nearly eight years, for one of the most honest and practical conversations we've ever had. Her husband Kevin — healthy, cancer-free, and just 57 — came home from a normal day and was gone. In this episode, Kim shares what she wishes she'd known, and the steps every woman over 40 should take now so her family never has to learn the hard way. In this episode, we cover:

• 💔 Kevin's sudden passing — beating cancer, then losing him to an enlarged heart at 57
• 🧠 Grief brain fog, and the truth Kim wants you to hear: "You never get over it, you learn how to get through it"
• 📄 Why a will isn't enough — and the trust, titles, and beneficiary mistakes that cost Kim time and money
• 💰 The three life insurance policies she had to "work for" — and the ex-spouse beneficiary mistake that happens more than you think
• 🔑 Passwords, digital accounts, and the digital beneficiary provision most families forget
• ⚖️ The $50,000 probate threshold — and how to keep your family out of court
• 📲 Social Security's remarriage rule before 60 (this one surprises almost everyone)
• 👭 Why friends fade after the funeral — and what to actually say to someone grieving
• 🌱 How faith, community, and the "Nothing is Wasted" program helped Kim turn pain into purpose.

Whether you're married, widowed, or somewhere in between, Kim's story is a loving but urgent reminder: the greatest gift you can give your family is a plan.

Connect with Kim:
kimberly.keer63@yahoo.com

Nothing is Wasted:
www.nothingiswasted.com

Never Alone Instagram Page:

@neveralonewidows_indy

One Fit Widow:
www.onefitwidow.com

👍 If this episode moved you, hit LIKE and SUBSCRIBE for more conversations that help women over 40 live their best lives — from the salon chair to the dinner table.💬

What's the one conversation your family keeps putting off? Drop it in the comments.

📧 Follow Radiant Restyle Collective:
YouTube: @RadiantRestyleCollective

This podcast is for educational purposes only and is not a substitute for professional legal or financial advice. Please consult a qualified professional.

#Widow #Grief #EstatePlanning #FinancialPlanningForWidows #WidowTips #WomenOver40 #RadiantConversations #GriefSupport #LosingASpouse #PlanAhead