The Retirement Rabbit Hole: Recent Episodes
Western Reserve Capital Management
Welcome to the Retirement Rabbit Hole, a podcast on investing, taxes, and generating a paycheck in retirement. Join Jim Sexton and Gage Paul as they help you on your journey to and through retirement.
In this episode, Jim and Gage discuss longevity risk and how it can pose a serious threat to your retirement plans.
Highlighted Topics Include:
- Understanding Longevity Risk
- Estimating Your Longevity with Software
- Longevity's Impact on Your Retirement Plans
Questions? Email us at info@westernreservecm.com
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In this episode: Jim and Gage discuss the concept of performing Preventative Maintenance for your retirement portfolio and three portfolio strategies you can use including:
- Revisiting Your Purpose for Investing
- Reviewing the Asset Allocation of Your Portfolio
- Performing Investment Due Diligence
They conclude the episode by explaining the role a financial advisor can play in this process.
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In this episode, Jim and Gage discuss the law of diminishing returns and examples where it is illustrated in retirement planning.
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In this episode, Jim and Gage discuss the limits to diversification and the potential downsides to adding unnecessary complexity to your investment portfolio.
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In this episode, Jim and Gage discuss company-specific risk and how it can be mitigated through diversification.
Topics Include:
- What Causes Company-Specific Risk
- Potential Barriers to Reducing Company-Specific Risk
- A Question to Ask Yourself When Thinking About Company-Specific Risk
- How to Create a Diversification Strategy
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In this episode, Jim and Gage discuss key retirement milestones, potential opportunities to boost savings, maximize retirement income, and/or improve tax efficiency. They also discuss the potential penalties you could incur if you miss certain deadlines.
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In this episode, Jim and Gage discuss how to approach your retirement investment strategy.
Topics Include:
- How to Choose a Retirement Investment Strategy
- The Intellectually Difficult Approach to Investing
- The Physically Difficult Approach to Investing
- The Emotionally Difficult Approach to Investing
- Managing an Emotionally Difficult Retirement Investment Strategy
- The Role of a Financial Advisor Can Play in Your Retirement Investment Strategy
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In this episode, Jim and Gage discuss how performing Roth conversions in your lower-income years, allows you to potentially decrease your total tax liability throughout your retirement.
Topics Discussed Include:
- Why Your Income May Be Lower earlier in Your Retirement
- What is a Roth Conversion?
- Using the “Filling Up Your Bracket” Roth Conversion Approach
- How to Incorporate Roth Conversions into Your Financial Plan
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In this episode, Jim and Gage discuss how qualified charitable distributions can be a tax-efficient way to manage required minimum distributions for those who are charitably minded.
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In this episode, Jim and Gage discuss how some higher-income retirees may have to pay more for their Medicare Part B and Medicare Part D prescription drug coverage. Jim and Gage also explore strategies to reduce (and possibly avoid) these surcharges.
Questions? Email us at info@westernreservecm.com
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In this episode, Jim and Gage discuss:
- The Three Types of Retirement Savings Vehicles
- How to Order Your Withdrawals in Retirement
- Maximizing Tax-Deferral vs. Estate Planning Concerns
- Managing The Tax Liability of Your Withdrawals
- How There is No One-Size-Fits-All Withdrawal Approach
Questions? Email us at info@westernreservecm.com
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Learn More about Western Reserve Capital Management:
http://westernreservecm.com/
Work with Western Reserve Capital Management
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In this episode, Jim and Gage discuss how to your Social Security benefits and taxed and opportunities to potentially reduce your tax liability.
Highlighted Topics Included:
- How is Your Social Security benefit taxed?
- What is Provisional Income?
- The Benefits of Tax-Free Income
- How a Roth IRA Can Reduce the Taxability of Your Social Security Benefits
Questions? Email us at info@westernreservecm.com
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Learn More about Western Reserve Capital Management:
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In this episode, Jim and Gage discuss the WRAP process and how it can be useful when making decisions when planning for retirement.
The main talking points include:
- Being More Decisive in Your Retirement Planning
- The Four Villains of Decision Making
- Making Better Decisions With the WRAP Process
- How the Four Villains’ Can Creep into Your Retirement Planning
- How to Use the WRAP Process
Questions? Email us at info@westernreservecm.com
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In this episode, Jim and Gage discuss how to develop and adhere to a sound investment strategy in retirement. This strategy will likely look different than the one you used during your accumulation years.
Main Topics Discussed Include:
- Shifting Your Investing Focus from Accumulation to Decumulation
- Factors to Consider When Creating Your Retirement Income Plan
- Determining Your Required Rate of Return
- How to Allocate a Retirement Portfolio
Questions? Email us at info@westernreservecm.com
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Learn More about Western Reserve Capital Management:
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In this episode, Jim and Gage discuss how inflation compounds throughout your retirement and things you can do in an attempt to mitigate its effects on your purchasing power.
Questions? Email us at info@westernreservecm.com
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In this episode, Jim and Gage discuss how to calculate how large your retirement nest egg needs to be. Like with many other things in retirement planning, there is no one right answer. This allows you to do some smart planning and have a more nuanced discussion of how you can fill the income gap in retirement.
Questions? Email us at info@westernreservecm.com
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Episode Description: In this episode, Jim and Gage discuss:
- Advancements in Retirement Planning
- Leveraging Financial Planning Software
- Implementing Your Retirement Plan
- Outsourcing Your Retirement Planning
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In this episode, Jim and Gage discuss the difference between strategy and tactics and how to incorporate this type of thinking into your retirement planning process.
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In this episode, Jim and Gage discuss why it's more important to focus on your investing process rather than the results of your investments.
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In this episode, Jim and Gage discuss Undervalued retirement Strategies including:
- Estate planning
- Global investment diversification
- Social Security maximization
- Long-Term Care insurance
These items may not be appealing on their own but once they are incorporated into a coherent retirement plan, their true value is revealed.
Questions? Email us at info@westernreservecm.com
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In this episode, Jim and Gage discuss the “Portfolio Rehab” process to resume stock investing for someone who has been “injured” by the market.
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In this episode, Jim and Gage discuss the experience of pain in investing, potential Issues with active investment strategies, and how to manage active risk.
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In this episode, Jim and Gage discuss how retirees tend to focus on the wrong things and what they should do instead when measuring progress in retirement.
Questions? Email us at info@westernreservecm.com
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In this episode, Jim and Gage discuss 3 steps you can take during times of financial market uncertainty.
Questions? Email us at info@westernreservecm.com
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Learn More about Western Reserve Capital Management:
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Work with Western Reserve Capital Management
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Send in a voice message: https://anchor.fm/retirement/message