When? Where? What? How? Why?
No, this isn’t a grammar lesson—it's how we start building your retirement plan.

In this episode of Unsolicited Podcast, Me and Anthony Ruffalo dig into the real questions that matter when planning for retirement. It’s not just about the numbers. It’s about your life.

When do you want to retire?

Where are you now financially?

What does retirement even look like for you?

How do we build a plan that actually works?

And most importantly… Why? Are you retiring from something—or to something?

We talk about the emotional side of retirement, not just the spreadsheets. Because the best retirement plans start with clarity, not just calculators.

How to get in touch with us:

Keith Wilson keith.wilson@lpl.com

Anthony Ruffalo: anthony.ruffalo@lpl.com

check out our websites!

Keith Wilson https://www.wfa-nc.com/

Anthony Ruffalo: https://ruffalowealthmanagement.com/

Our YouTube Channels

Keith Wilson: https://www.youtube.com/@ThatFinancialGuy

Anthony Ruffalo: https://www.youtube.com/@anthonyruffalo2704

In this episode of The Plan: Unsolicited, Keith and Anthony go off-script for a rapid-fire Q&A—sharing real stories, honest reflections, and practical insights from years of working with clients.

We’re answering questions like:
💥 Is investing easier or harder for younger people today?
💥 What’s the hardest thing we've ever had to tell a client?
💥 Are we scared of a stock market crash?

This one’s fast-paced, unfiltered, and packed with lessons you can actually use—because behind every financial decision is a real person trying to make sense of it all.

And at the center of it? A plan.
One that helps you navigate the noise, stay grounded, and keep moving forward—no matter what the market (or life) throws your way.

You’ve spent decades building your 401(k), and now it’s time to enjoy the fruits of your labor. But how do you make sure your money lasts while maximizing your retirement lifestyle? In this episode, Keith Wilson and Anthony Ruffalo break down the 401(k) distribution phase, walking through a hypothetical scenario of a 65-year-old retiree with $3 million saved.

We explore:
💰A 5% withdrawal rate & a 6.9% Return – What do these numbers mean for your retirement cash flow?
🚀 The Go-Go, Slow-Go, and No-Go Years – How your spending (and life) evolves in retirement.
🛡️ The Importance of Naming Beneficiaries – Avoiding costly mistakes for your loved ones.

With humor, real-world insights, and financial expertise, we make sense of this critical phase of retirement planning. Whether you’re approaching retirement or advising clients, this episode is packed with valuable takeaways.

👉 Tune in now and get ready to retire with confidence!