エピソード

  • Should You Be Doing Roth Conversions?

    Should You Be Doing Roth Conversions?
    2026/10/01
    Want to retire wise? Book a discovery meeting ➡️ https://calendly.com/retirewise-shawn/30-minute-free-discovery-call?month=2026-05

    Roth conversions can be a powerful retirement planning tool, but they’re not automatically right for everyone. In this episode, Shawn breaks down how Roth conversions work, why timing matters, and how taxes, Medicare premiums, required minimum distributions, and your overall retirement income plan can affect the decision. You’ll also learn why conversions are often spread across multiple years, how different tax “buckets” can work together, and why your age alone shouldn’t determine whether a Roth strategy makes sense.

    Here’s some of what we discuss in this episode:

    ⏱️ Pay Now or Later — Understand the Roth conversion tradeoff
    📆 Timing Matters — Why conversions may span several years
    🚨 RMD Pressure — Plan before required withdrawals begin
    🩺 Medicare Impact — Conversions could raise your premiums
    🪣 Tax Buckets — Balance taxable, deferred, and Roth money
    🎯 Case by Case — Age alone doesn’t determine the answer

    Website: https://retirewisepro.com/
    Phone: (404) 692-1233
    Contact our team: https://retirewisepro.com/contact/

    Retirement Toolkit: https://bit.ly/4dqNS5M
    The Priority of Retirement Book: https://bit.ly/4eNrKFg

    Attend a Live Learning Event: https://bit.ly/4dlHeOb
    Complementary guides here: https://bit.ly/4dIC2oV

    Shawn’s Kiplinger Features: https://bit.ly/4d9rMGe

    YouTube: https://bit.ly/4tFxIfd


    Disclosure: https://bit.ly/4x9Aoo4
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    17 分
  • Picking a Retirement Date

    Picking a Retirement Date
    2026/09/24
    Want to retire wise? Book a discovery meeting ➡️ https://calendly.com/retirewise-shawn/30-minute-free-discovery-call?month=2026-05

    "When can I retire?" might be the question we get asked more than any other. Some people are chasing an age. Others are chasing a number. Today, Shawn breaks down what actually determines the answer. The date on the calendar or the number in the account might feel like the finish line, but neither one tells the whole story. That's what the planning process is actually for.

    Here’s some of what we discuss in this episode:

    🐷 Income First: Why retirement depends more on generating income than reaching a specific asset level
    🏥 Healthcare Costs: Accounting for coverage when retiring before Medicare eligibility
    📈 Beyond Expenses: Factoring inflation, taxes, healthcare, and future needs into the plan ⚠️ Unexpected Events: How health problems or job changes can suddenly move retirement forward
    🧠 Retirement Psychology: Why leaving a paycheck behind can be difficult even when the numbers work
    🛡️ Security Shift: Replacing the comfort of a job with confidence in a retirement plan
    🗺️ Retire Happy: Building a framework that connects income, healthcare, taxes, investments, and estate planning

    Website: https://retirewisepro.com/
    Phone: (404) 692-1233
    Contact our team: https://retirewisepro.com/contact/

    Retirement Toolkit: https://bit.ly/4dqNS5M
    The Priority of Retirement Book: https://bit.ly/4eNrKFg

    Attend a Live Learning Event: https://bit.ly/4dlHeOb
    Complementary guides here: https://bit.ly/4dIC2oV

    Shawn’s Kiplinger Features: https://bit.ly/4d9rMGe

    YouTube: https://bit.ly/4tFxIfd


    Disclosure: https://bit.ly/4x9Aoo4
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    13 分
  • Conversation Starters: Questions Worth Asking About Your Financial Future

    Conversation Starters: Questions Worth Asking About Your Financial Future
    2026/09/17
    Want to retire wise? Book a discovery meeting ➡️ https://calendly.com/retirewise-shawn/30-minute-free-discovery-call?month=2026-05

    Talking about money can be hard for some people, and sometimes it just takes the right question to get things rolling. Here are a few that Shawn thinks are worth asking. None of these questions are really about money. That's kind of the point. Sometimes the easiest way into a financial conversation is to start somewhere else entirely.

    Here’s some of what we discuss in this episode:
    🕙 Tuesday Morning: Imagining what a normal day in retirement actually looks like
    🧞 Financial Genie: Identifying the three biggest problems you’d want solved
    ❤️ Retirement Passion: Thinking about what you want to pursue when work is no longer the focus
    🧠 Financial Personality: Learning from past money decisions and what shaped them
    🪣 Bucket List: Prioritizing goals based on when you’ll realistically want to do them
    🏃 Retirement Phases: Matching more active goals to the earlier years of retirement
    🧩 Life First: Building the financial strategy around the life you actually want

    Website: https://retirewisepro.com/
    Phone: (404) 692-1233
    Contact our team: https://retirewisepro.com/contact/

    Retirement Toolkit: https://bit.ly/4dqNS5M
    The Priority of Retirement Book: https://bit.ly/4eNrKFg

    Attend a Live Learning Event: https://bit.ly/4dlHeOb
    Complementary guides here: https://bit.ly/4dIC2oV

    Shawn’s Kiplinger Features: https://bit.ly/4d9rMGe

    YouTube: https://bit.ly/4tFxIfd


    Disclosure: https://bit.ly/4x9Aoo4
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    17 分
  • Mailbag: 401(k) Rollover, Bonus Strategy & College vs. Retirement

    Mailbag: 401(k) Rollover, Bonus Strategy & College vs. Retirement
    2026/09/10
    Want to retire wise? Book a discovery meeting ➡️ https://calendly.com/retirewise-shawn/30-minute-free-discovery-call?month=2026-05

    In this mailbag episode, Shawn answers listener questions about retirement planning, extra cash, and competing financial priorities. Rather than quick, one-size-fits-all answers, Shawn walks you through how to think through each decision, so you can move forward confidently instead of guessing based on a “feeling.” When several good options are on the table, having the facts can make the path forward much clearer.

    Here’s some of what we discuss in this episode:

    🔄 401(k) Rollovers: Consider flexibility before consolidating
    🗂️ Account Consolidation: Simplify scattered retirement accounts
    💰 Extra Cash: Give bonuses a purpose
    🎓 College Costs: Retirement comes first
    🧠 Informed Decisions: Take emotion out

    Website: https://retirewisepro.com/
    Phone: (404) 692-1233
    Contact our team: https://retirewisepro.com/contact/

    Retirement Toolkit: https://bit.ly/4dqNS5M
    The Priority of Retirement Book: https://bit.ly/4eNrKFg

    Attend a Live Learning Event: https://bit.ly/4dlHeOb
    Complementary guides here: https://bit.ly/4dIC2oV

    Shawn’s Kiplinger Features: https://bit.ly/4d9rMGe

    YouTube: https://bit.ly/4tFxIfd


    Disclosure: https://bit.ly/4x9Aoo4
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    16 分
  • Millions Are Retiring Earlier Than Planned — Are You Ready If You're Next?

    Millions Are Retiring Earlier Than Planned — Are You Ready If You're Next?
    2026/08/31
    Want to retire wise? Book a discovery meeting ➡️ https://calendly.com/retirewise-shawn/30-minute-free-discovery-call?month=2026-05

    Here's what caught our attention. Three separate studies came out this year — Allianz, EBRI, and the Society of Actuaries — and each one found the same basic thing from a different angle. Somewhere between 42% and 59% of retirees left the workforce sooner than they'd planned. Not by a little, either.

    On average, people expect to retire around 65 and actually leave closer to 62. That's three fewer years of contributing and three more years of drawing income. Shawn breaks down the part that really stands out: it's usually not a lifestyle choice. Health issues and job loss top the list of reasons… Not "I decided I was done."

    Thoughtful plans aren’t just designed for a target retirement date. They focus on flexibility and longevity, preparing for changes such as early retirement.

    Here’s some of what we discuss in this episode:

    ⏰ Early Retirement: Plans can change suddenly
    🏥 Health Concerns: Medical issues may force exits
    💼 Job Changes: Layoffs can accelerate retirement
    🔄 Plan Adjustments: Temporary pivots may help
    🗺️ Preparedness Matters: Build flexibility before needed

    Millions Are Retiring Earlier Than Planned. Do Advisors Need To Rethink Planning? https://www.fa-mag.com/news/most-americans-retire-earlier-than-planned--here-are-the-top-reasons-87149.html

    Website: https://retirewisepro.com/
    Phone: (404) 692-1233
    Contact our team: https://retirewisepro.com/contact/

    Retirement Toolkit: https://bit.ly/4dqNS5M
    The Priority of Retirement Book: https://bit.ly/4eNrKFg

    Attend a Live Learning Event: https://bit.ly/4dlHeOb
    Complementary guides here: https://bit.ly/4dIC2oV

    Shawn’s Kiplinger Features: https://bit.ly/4d9rMGe

    YouTube: https://bit.ly/4tFxIfd


    Disclosure: https://bit.ly/4x9Aoo4
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    15 分
  • What a Viral Post About Parenting Taught Us About Financial Advice

    What a Viral Post About Parenting Taught Us About Financial Advice
    2026/08/21
    Want to retire wise? Book a discovery meeting ➡️ https://calendly.com/retirewise-shawn/30-minute-free-discovery-call?month=2026-05

    A post about a father, a baseball tryout, and a bad summer went viral this spring- and buried in it is a framework that applies just as much to money as it does to relationships. Today Shawn’s borrowing it. Bloom's recap of the concept is simple: stand tall, bend down, lift, repeat. That's not a bad description of what a good financial relationship should feel like either. If your current one isn't doing both, it might be worth asking why.

    Here’s some of what we discuss in this episode:

    👨‍👩‍👧 Parenting and Retirement: A parenting framework reveals important lessons about financial guidance
    🚫 The Dead Zone: Low expectations and low support can leave retirees uncertain and alone 🤝 High Support, Low Expectations: Loved ones may offer encouragement without professional expertise
    ⚠️ High Expectations, Low Support: Pressure without a practical plan can create stress and resentment
    🌟 High Expectations, High Support: Honest guidance and ongoing help create the strongest planning relationship

    The High Shoulders Theory https://www.sahilbloom.com/newsletter/the-high-shoulders-theory

    Website: https://retirewisepro.com/
    Phone: (404) 692-1233
    Contact our team: https://retirewisepro.com/contact/

    Retirement Toolkit: https://bit.ly/4dqNS5M
    The Priority of Retirement Book: https://bit.ly/4eNrKFg

    Attend a Live Learning Event: https://bit.ly/4dlHeOb
    Complementary guides here: https://bit.ly/4dIC2oV

    Shawn’s Kiplinger Features: https://bit.ly/4d9rMGe

    YouTube: https://bit.ly/4tFxIfd


    Disclosure: https://bit.ly/4x9Aoo4
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    19 分
  • Why People Keep Working In Their Retirement Years

    Why People Keep Working In Their Retirement Years
    2026/08/17
    Want to retire wise? Book a discovery meeting ➡️ https://calendly.com/retirewise-shawn/30-minute-free-discovery-call?month=2026-05

    More people in their 60s and 70s are staying on the job than ever before, and it's not always about the money. Today, Shawn digs into some real reasons retirees keep showing up to work. Working longer isn't automatically the wrong call. Sometimes it's exactly right. The real question is whether it's a choice or a fallback. That's worth figuring out before you assume the answer.

    Here’s some of what we discuss in this episode:

    💼 Working in Retirement: Continuing to work can provide income, purpose, and flexibility
    🤝 Social and Mental Health: Work can preserve structure and meaningful interaction
    🐷 Financial Planning: Part-time income may help close retirement income gaps
    🏠 Spousal Interaction: Independent routines can support a healthier retirement relationship 🗺️ Retirement Confidence: A detailed plan can reduce uncertainty and doubt

    Website: https://retirewisepro.com/
    Phone: (404) 692-1233
    Contact our team: https://retirewisepro.com/contact/

    Retirement Toolkit: https://bit.ly/4dqNS5M
    The Priority of Retirement Book: https://bit.ly/4eNrKFg

    Attend a Live Learning Event: https://bit.ly/4dlHeOb
    Complementary guides here: https://bit.ly/4dIC2oV

    Shawn’s Kiplinger Features: https://bit.ly/4d9rMGe

    YouTube: https://bit.ly/4tFxIfd


    Disclosure: https://bit.ly/4x9Aoo4
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    15 分
  • 5 Social Security Myths That Could Cost You

    5 Social Security Myths That Could Cost You
    2026/08/06
    Want to retire wise? Book a discovery meeting ➡️ https://calendly.com/retirewise-shawn/30-minute-free-discovery-call?month=2026-05

    Confused by all the Social Security noise and myths swirling around your retirement? In this episode, Shawn uncovers some of the most common misconceptions and explains why your benefits should be part of a coordinated retirement income strategy. Tune in to cut through the hype and get a clearer, more confident perspective on your Social Security future.

    Here’s some of what we discuss in this episode:

    🧩 Common Myths: Social Security rules can create confusion
    🏠 Spousal Benefits: Nonworking spouses may still qualify
    🧾 Benefit Taxes: Retirement income can trigger taxation
    🎯 Claiming Strategy: Earliest eligibility is not always best
    ✅ Build A Plan: Coordinate benefits with retirement income

    Website: https://retirewisepro.com/
    Phone: (404) 692-1233
    Contact our team: https://retirewisepro.com/contact/

    Retirement Toolkit: https://bit.ly/4dqNS5M
    The Priority of Retirement Book: https://bit.ly/4eNrKFg

    Attend a Live Learning Event: https://bit.ly/4dlHeOb
    Complementary guides here: https://bit.ly/4dIC2oV

    Shawn’s Kiplinger Features: https://bit.ly/4d9rMGe

    YouTube: https://bit.ly/4tFxIfd


    Disclosure: https://bit.ly/4x9Aoo4
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    17 分