Retirement spending doesn’t move in a straight line. In this episode of Wealth Strategies Unleashed, Robert Gilliland & Karen Heider unpack why real-life spending zigzags, and how most modern financial plans are rigid, leading to over-saving, over-spending, or both. They also show you how to build a flexible income plan that holds up in good and bad market conditions.

They dig into:

• The myth of linear spending and why your first 5–10 years of retirement often cost more than pre-retirement.
• Healthcare realities: pre-65 coverage, Medicare + supplements, and why medical inflation behaves differently.
• Six spender profiles (Steady Eddie, Front Loader, Partial Retiree, Shock-and-Adjust, Slow Drifter, Late-Life Riser) and how to know which one describes you.
• The risk of retiring into a downturn (sequence-of-returns risk) and why “selling to fund spending” can do lasting damage.
• A simple needs/wants/aspirations framework for retirement that makes adjusting in real time painless.

If you want a retirement that funds travel, family, and purpose (without losing sleep over volatility) this episode gives you the playbook to match your spending rhythm with a resilient, flexible plan.

Download the free guide that we’ve paired with this episode!

Subscribe, and leave us a review if this resonated with you!

Share it & leave us a review on Apple or Spotify!

For personalized financial guidance, schedule an intro call with our team at Concenture Wealth Management in Houston, Energy Corridor, Sugar Land,

The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax or financial advice. Please consult a legal, tax or financial professional for information specific to your individual situation. This work is powered by Concenture Wealth Management.

Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Concenture Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.

Everyone obsesses about a magic number they need to retire. But the truth is that hat it’s all about having the right withdrawal strategy. In this episode of Wealth Strategies Unleashed, Robert Gilliland & Karen Heider break down the most common withdrawal approaches, their pitfalls, and how to create a retirement paycheck you can count on.

They share actionable ways to:

• Understand why the 4% rule often falls short and why flexibility is key
• Evaluate guardrail strategies and how scaling withdrawals up or down can affect long-term security
• Consider the “equity glide path” and why asset allocation decisions matter just as much as withdrawal rules
• Apply the Dynamic A.G.E. Approach to blend adaptability, growth, and income security into one integrated plan
• Stress-test your retirement income so you can live with confidence, not fear of market volatility

Whether you’re just starting to plan or are already in retirement, learn how to focus on what really matters: creating a sustainable, flexible income plan that lets you live the retirement you’ve worked hard for.

Download the free guide that we’ve paired with this episode!

Subscribe, and leave us a review if this resonated with you!

Share it & leave us a review on Apple or Spotify!

For personalized financial guidance, schedule an intro call with our team at Concenture Wealth Management in Houston, Energy Corridor, Sugar Land, Katy, & Spring, TX. Our team of professionals can provide advice and help you navigate how to i

The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax or financial advice. Please consult a legal, tax or financial professional for information specific to your individual situation. This work is powered by Concenture Wealth Management.

Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Concenture Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.

Deciding what age to retire is about weighing the hidden costs of working longer against the freedom that comes with retiring on your own terms. In this episode of Wealth Strategies Unleashed, Robert Gilliland & Karen Heider unpack the tax, health, and lifestyle tradeoffs of working past age 60, and how to build a balanced plan that supports both your wallet and your well-being.

They share ways to:

• Protect yourself from sequence-of-returns risk with smart income bucket strategies
• Maximize your “go-go” years by aligning health, energy, and lifestyle goals with your retirement date
• Avoid common mindset traps like the “one-more-year loop,” paycheck safety trap, and post-career identity crisis

Download the free guide that we’ve paired with this episode!

Subscribe, and leave us a review if this resonated with you!

Share it & leave us a review on Apple or Spotify!

For personalized financial guidance, schedule an intro call with our team at Concenture Wealth Management in Houston, Energy Corridor, Sugar Land, Katy, & Spring, TX. Our team of professionals can provide advice and help you navigate how to invest your wealth and plan for your retirement. We’d love to help you live out your legacy! To explore our 3-step process and services we offer click here.

The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax or financial advice. Please consult a legal, tax or financial professional for information specific to your individual situation. This work is powered by Concenture Wealth Management.

Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Concenture Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.

Retirement isn’t a date on a calendar; it’s a series of evolving stages.

Robert Gilliland & Karen Heider walk through the three phases of retirement (Freedom, Stability, and Legacy) and the financial strategies that keep you confident at every step.

They share ways to:

• Maximize your Freedom Years (late 50s to early 60s) with smart withdrawal strategies, Roth conversions, and healthcare planning before Medicare kicks in
• Navigate the Stability Stage (mid-60s to mid-70s) by optimizing Social Security timing, managing taxes, and keeping your portfolio balanced.
• Enter the Legacy Phase (mid-70s and beyond) with confidence by aligning estate planning, charitable giving strategies, and family communication
• Use tools like donor-advised funds, qualified charitable distributions, and dynamic asset allocation to create impact and security that lasts

Download the free guide that we've paired with this episode!

Subscribe, and leave us a review if this resonated with you!

Share it & leave us a review on Apple or Spotify!

For personalized financial guidance, schedule an intro call with our team at Concenture Wealth Management in Houston, Energy Corridor, Sugar Land, Katy, & Spring, TX. Our team of professionals can provide advice and help you navigate how to invest your wealth and plan for your retirement. We’d love to help you live out your legacy! To explore our 3-step proce

The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax or financial advice. Please consult a legal, tax or financial professional for information specific to your individual situation. This work is powered by Concenture Wealth Management.

Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Concenture Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.

In this episode of Wealth Strategies Unleashed, Robert Gilliland & Karen Heider break down 5 often-overlooked signs that show you’re in a strong financial position, even if it doesn’t feel like it yet.

This episode is all about knowing where you stand, and realizing you might be in a better place than you think. Whether you’re in your peak earning years or already in retirement, the conversation explores how financial discipline in the present can give you freedom and confidence in the future.

Learn practical strategies on how to:

• Build “muscle memory” for healthy spending so it lasts into retirement
• Manage acceptable vs. harmful debt and why a small mortgage isn’t always bad
• Structure cash reserves for stability, flexibility, and peace of mind
• Maximize Social Security and pension decisions for lifetime income
• Avoid scarcity thinking and enjoy the life you’ve worked hard to create

Download the free guide that we’ve paired with this episode!

Subscribe, and leave us a review if this resonated with you!

Share it & leave us a review on Apple or Spotify!

For personalized financial guidance, schedule an intro call with our team at Concenture Wealth Management in Houston, Sugar Land, Katy, & Spring, TX. We’d love to help you build your financial future! To explore our 3-step process and services we offer click here.

The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax or financial advice. Please consult a legal, tax or financial professional for information specific to your individual situation. This work is powered by Concenture Wealth Management.

Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Concenture Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.

Retirement is a series of stages. In this episode of Wealth Strategies Unleashed, Robert Gilliland & Karen Heider cover what separates each of the 4 levels, and what you can do to level up no matter where you’re starting from.

This episode walks through the four “levels” of retirement, and how to move from one to the next. Let’s blend practical financial strategies with behavioral insights to help you assess where you are now and create a clear plan for leveling up.

We share actionable ways to:

• Identify which stage of retirement readiness you’re in, and the key pitfalls at each
• Boost your income security through smart debt reduction, savings habits, and Social Security timing
• Build a resilient income plan in the stability stage to avoid slipping backward
• Use advanced planning tools like donor-advised funds, Roth conversions, and legacy strategies to maximize impact in abundance
• Replace uncertainty with confidence by stress-testing your retirement plan and making stage-specific tweaks

Download the free guide that we’ve paired with this episode!

Subscribe, and leave us a review if this resonated with you!

Share it & leave us a review on Apple or Spotify!

For personalized financial guidance, schedule an intro call with our team at Concenture Wealth Management in Houston, Sugar Land, Katy, & Spring, TX. We’d love to help you build your financial future! To explore our 3-step process and services we offer click here.

The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax or financial advice. Please consult a legal, tax or financial professional for information specific to your individual situation. This work is powered by Concenture Wealth Management.

Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Concenture Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.

In this episode, Robert Gilliland & Karen Heider tackle 3 of the biggest retirement myths, and share 5 practical steps you can take to retire when you want to, with the confidence that you’re financially ready.

From the false idea of a “magic number,” to the “just one more year” trap, to comparing your lifestyle with others, this conversation blends real-world planning strategies with behavioral insights so you can make informed, intentional decisions about your retirement timing.

We share actionable ways to:

• Avoid the “one more year” mindset by planning ahead and defining how you’ll spend your time in retirement
• Use the right tools like budgeting, guaranteed income analysis, and safe reserves to build a sustainable plan
• Stress-test your portfolio for market volatility and sequence-of-return risk before you step away from work
• Consider a phased retirement or part-time work to ease the emotional and financial transition

Download the free guide that we’ve paired with this episode!

Subscribe, and leave us a review if this resonated with you!

Share it & leave us a review on Apple or Spotify!

For personalized financial guidance, schedule an intro call with our team at Concenture Wealth Management in Houston, Sugar Land, Katy, & Spring, TX. We’d love to help you build your financial future! To explore our 3-step process and services we offer click here.

The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax or financial advice. Please consult a legal, tax or financial professional for information specific to your individual situation. This work is powered by Concenture Wealth Management.

Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Concenture Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.

Bad investments get a lot of attention. But the truth is, it’s usually the smaller, everyday financial mistakes that quietly cost people far more over time. In this episode, Robert Gilliland is joined by Concenture Wealth Management’s Chief Investment Officer, Mike Alexander, to talk about how misinformation, myths, and simple inaction can quietly erode your wealth and how to stop it.

They'll focus on simple, proven habits that protect and grow your financial future without chasing “hot tips” or taking unnecessary risks.

• Recognize the most common money myths and everyday financial traps
• Use debt wisely and avoid financing lifestyle expenses that hurt long-term growth
• Prioritize needs over wants while still making room for future goals
• Harness the power of compounding and consistent saving to build wealth over time
• Build discipline through budgeting and “treating yourself like a bill”

Download the free guide that we’ve paired with this episode!

Subscribe, and leave us a review if this resonated with you!

Share it & leave us a review on Apple or Spotify!

For personalized financial guidance, schedule an intro call with our team at Concenture Wealth Management in Houston, Sugar Land, Katy, & Spring, TX. We’d love to help you build your financial future! To explore our 3-step process and services we offer click here.

The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax or financial advice. Please consult a legal, tax or financial professional for information specific to your individual situation. This work is powered by Concenture Wealth Management.

Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Concenture Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.