The Retirement Answer Man® Show

Hitting the hot topics of life and retirement, right between the ears.

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#285 - Are You Ready to Redefine Yourself in Retirement? with Dr. Joe Coughlin from the MIT Age Lab

#285 - Are You Ready to Redefine Yourself in Retirement? with Dr. Joe Coughlin from the MIT Age Lab

How are you going to redefine yourself in retirement? Retirement means making the life transition from a full-time career to full-time living on your own terms. Although this is exciting, it can also be scary. During this series, you’ll learn how to create a framework to do this successfully. Learn how to figure out your identity and who you want to become. Are you ready to redefine yourself in retirement? Listen to this episode of Retirement Answer Man to begin to make this huge transition in your life.

PodcastsRoger WhitneyAugust 7, 2019redefine yourself, Joe Coughlin, retirement identity

#284 - Is an Annuity Right for Retirement? Your Annuity Questions Answered

#284 - Is an Annuity Right for Retirement? Your Annuity Questions Answered

You may still have some questions about annuities so in this episode I answer your annuity questions. We have had several listeners ask some great questions which will help clarify how annuities work. After diving deep into annuities during this 5-week long month, we can all look forward to the next series where you will learn how to figure out who you will be in retirement. But before that, listen to this episode to get all of your annuity questions answered.

PodcastsRoger WhitneyJuly 31, 2019annuities, listener questions, retirement identity

#283 - Is an Annuity Right for Retirement? The Pros and Cons of Variable Annuities

#283 - Is an Annuity Right for Retirement? The Pros and Cons of Variable Annuities

In this episode of the annuity series, we’ll discuss the pros and cons of variable annuities so that you can learn whether a variable annuity should be a part of your retirement plan. During the Hot Topic segment, we’ll discuss the Rock Retirement Club since enrollment just opened back up. Then in the Practical Planning segment, we jump back into our discussion on annuities. You’ll learn all about variable annuities to help you become more informed. Listen to this episode to learn the pros and cons of variable annuities.

PodcastsRoger WhitneyJuly 24, 2019variable annuities

#282 - Is an Annuity Right for Retirement? The Pros and Cons of Fixed Annuities

#282 - Is an Annuity Right for Retirement? The Pros and Cons of Fixed Annuities

On today’s episode of Retirement Answer Man, we’ll consider the pros and cons of fixed annuities. During this series on annuities, we are discussing whether annuities are right for your retirement. Many people choose pretirement as an income floor for their first few years of retirement to help them ease into the lifestyle and decrease financial risk. An annuity can be considered a backend floor to cover your retirement spending in your 80’s, 90’s and even 100’s. We all know that longevity is a big factor in retirement planning and a fixed annuity could help supplement your social security income in old age. Listen to this episode to help you consider the pros and cons of fixed annuities so that you can judge whether an annuity is a good choice for your #retirement.

PodcastsRoger WhitneyJuly 17, 2019fixed annuities

#281 - Is an Annuity Right for Retirement? The Role an Annuity Can Play in Your Portfolio

#281 - Is an Annuity Right for Retirement? The Role an Annuity Can Play in Your Portfolio

This week on Retirement Answer Man, we define what role an annuity could play in your portfolio. Annuities can be a polarizing topic in the financial world but we need to think critically with a curious and open mind rather than vilify or glorify these investment tools. I’m checking my own biases at the door to bring you the most reliable information I can. Annuities may not be the most exciting topic, but we want you to rock retirement with intentionality so let’s dive in and learn as much as we can.

PodcastsRoger WhitneyJuly 10, 2019annuities

#280 - Is an Annuity Right for Retirement? Annuity Basics

#280 - Is an Annuity Right for Retirement? Annuity Basics

Do you know the annuity basics? Over the next 4 episodes, we will explore annuities to see if they have a place in your retirement journey. We’ll discover how they work and if they can help you rock retirement all the way into your 80’s, 90’s, and beyond. On this episode, we’ll start from the beginning and explore our own biases and then cover the annuity basics. By the end of this series, you can decide whether annuities are the right choice for you. Are you ready to get your financial geek on? Strap on your headphones and get ready to explore annuity basics so you can rock retirement.

PodcastsRoger WhitneyJuly 3, 2019annuity basics, fixed annuities, variable annuities, equity-indexed annuities

#279 - Longevity and Retirement: Working to Make Your Money Last as Long as You Do in Retirement

#279 - Longevity and Retirement: Working to Make Your Money Last as Long as You Do in Retirement

How to make your money last as long as you do is the biggest question in retirement planning.And now that people are living longer lives your money has to stretch farther than ever before. Today’s retirement is a brave new world and the problems you will encounter haven’t been experienced by any previous generation. Are you ready to learn what you can do to make your money last as long as you? Check out this episode of Retirement Answer Man as we dive into this important question.

PodcastsRoger WhitneyJune 26, 2019make your money last, longevity

#278 - Longevity and Retirement: Professor Andrew Scott on the Positive Impact of Longevity

#278 - Longevity and Retirement: Professor Andrew Scott on the Positive Impact of Longevity

Do you think that extended lifespans will have a positive impact or a negative impact on your life? We all know that people are living longer than ever before, many people see this as a negative, but have you considered the positive impact that this could be on society? Andrew Scott, coauthor of The 100-Year Life joins me to discuss longevity and adding purpose to life. He has some fascinating ideas about longevity and the role of older people in society, so grab your favorite headphones and join me on this episode of Retirement Answer Man.

PodcastsRoger WhitneyJune 19, 2019Andrew Scott, longevity, The 100-Year Life

#277 - Longevity and Retirement: 8 Great Habits to Age Well

#277 - Longevity and Retirement: 8 Great Habits to Age Well

Are you creating healthy habits so that you can age well? Since we are going to live longer lives we want to make sure that we live well not just live long. On this episode of the Longevity and Retirement series on Retirement Answer Man we dive into how to create great habits so that we can age well. What kind of healthy habits have you created to ensure that you age well? Find out which 8 habits can help you improve your life as you age by listening to this episode of Retirement Answer Man.

PodcastsRoger WhitneyJune 12, 2019longevity, healthy habits, health

#276 - Longevity in Retirement: How Long Will You Live in Retirement?

#276 - Longevity in Retirement: How Long Will You Live in Retirement?

How long will you live is one of the trickiest questions in retirement planning. During the Longevity in Retirement series we will take a look at this question and try and figure out if we can come up with an answer. Chances are it’s longer than you think! Learn how you can try and calculate your longevity, what other wild cards might factor into longevity, and discover some money misconceptions on this episode of Retirement Answer Man.

PodcastsRoger WhitneyJune 5, 2019longeveity, retirement misconceptions

#275 - Retirement of the Future: How to Harness Technology as You Age

#275 - Retirement of the Future: How to Harness Technology as You Age

Do you feel like you can harness technology in this brave new world? All month we have been discussing how technology can help you in retirement and on this episode of Retirement Answer Man we’ll discuss how you can harness technology without it harnessing you. This can be a tricky task in this age of the attention economy. There are so many forces that vie for our attention. Learn how to use technology to its fullest without it taking advantage of you on this episode of Retirement Answer Man.

PodcastsRoger WhitneyMay 29, 2019Richard Caro, technology

#274 - Retirement of the Future: How Technology Will Keep You Healthier

#274 - Retirement of the Future: How Technology Will Keep You Healthier

What will the future of retirement look like? Like it or not we will live longer than any other generation that has ever lived. If you aren’t investing in your health now you may still live a long time, but it probably won’t be very fun. If you want to have a greater quality of life in retirement you have to take your health seriously now. The good news is, there is loads of technology that can help you stay healthy. Listen to this episode to hear about the latest in health technology and how you can use it to live a healthier life as you age.

PodcastsRoger WhitneyMay 22, 2019technology, health

#273 - Retirement of the Future: How Technology Will Help Keep You Independent

#273 - Retirement of the Future: How Technology Will Help Keep You Independent

The decisions you make now can affect how you age. Most people would prefer to age in their own home. There’s something about living in our own homes that provides comfort and peace and we want to hold on to that for as long as we can. On this episode, we will explore how technology can help keep you independent longer. We will check out the different technologies that exist already as well as what is in store for us in the future. Join me to discover the exciting world of technology and learn how it can help you rock retirement.

PodcastsRoger WhitneyMay 15, 2019technology, independence

#271 - Retirement of the Future: How Technology Will Keep You Mobile

#271 - Retirement of the Future: How Technology Will Keep You Mobile

We are surrounded by technology, but do you really think technology will benefit you in retirement? During this month-long series, we will look into the future to see how technology will change the picture of your retirement. Will it add years to your life? Will technology help you live a richer life in your golden years? How will technology serve you in your retirement? Find out by listening to this episode and this entire series as we explore the retirement of the future.

PodcastsRoger WhitneyMay 1, 2019technology, mobility

#270 - You’re Retired! How to Use Your Accounts: Listener Questions, IRA, Roth, and 401K Management

#270 - You’re Retired! How to Use Your Accounts: Listener Questions, IRA, Roth, and 401K Management

IRA, Roth and 401K management can be confusing, that’s why I answer listener questions in the Practical Planning segment of this episode. This is the last episode of the How to Use Your Accounts series. You’ll definitely want to go back and listen to the entire series to help you familiarize yourself with the different types of retirement accounts and how to finally use them in retirement. Next month we’ll dive into how technology improves retirement. But for now listen to these listener questions about account management in retirement.

PodcastsRoger WhitneyApril 24, 2019IRA, Roth, 401(k), listener questions

#269 - You’re Retired! How to Use Your Accounts: Should I Convert My IRA to a Roth? And Other Conversion Questions

#269 - You’re Retired! How to Use Your Accounts: Should I Convert My IRA to a Roth? And Other Conversion Questions

You may be wondering, should I convert my IRA to a Roth? It’s hard to know when the time is right for a Roth conversion. So today we continue the discussion on how best to use your retirement accounts and plan your tax strategy. But first, in the Hot Topic session you’ll learn how important vision is to planning your retirement. So many people are stuck in the prison of their mindset. Listen to this episode to hear more about how important tax strategy is, whether you should convert your IRA to a Roth, and how to break free from your institutionalized mindset and really rock your retirement.

PodcastsRoger WhitneyApril 17, 2019IRA, Roth

#268 - You’re Retired! How to Use Your Accounts: Creating a Withdrawal Strategy to Fund Your Retirement

#268 - You’re Retired! How to Use Your Accounts: Creating a Withdrawal Strategy to Fund Your Retirement

You have been diligently saving in tax-deferred accounts for years and you finally have enough squirreled away to fund your retirement. But we need to discuss the elephant in the room. You have a looming tax burden that if not handled correctly can really mess up your retirement plans. On this episode, I’m going to teach you how to come up with a withdrawal strategy to help you fund your retirement. Are you ready to learn how to withdraw from your retirement accounts without Uncle Sam getting more than his fair share? Then listen to this episode of Retirement Answer Man to help you plan your retirement withdrawal strategy.

PodcastsRoger WhitneyApril 10, 2019withdrawal strategies, taxes, tax planning, retirement withdrawal strategies

#267 - You’re Retired! How to Use Your Accounts: The Basics of IRAs, Roth IRAs, and 401Ks

#267 - You’re Retired! How to Use Your Accounts: The Basics of IRAs, Roth IRAs, and 401Ks

You have been saving into your IRA’s, Roth IRA’s and 401K’s for years. But once you retire how should you get money out of them? Over the next few episodes, we are going to dive into your different retirement accounts so that you can fully understand them. It’s important to understand the difference between these accounts so that you can create a withdrawal strategy to minimize the tax implications. Are you ready to learn about the different types of retirement accounts so that you can rock retirement? Listen in to this episode of Retirement Answer Man, to hear the basics of IRA’s, Roth IRA’s, and 401K’s so that you can understand how to create a sound withdrawal strategy.

PodcastsRoger WhitneyApril 3, 2019IRA, Roth, 401(k)

#266 - The RV Virus Road Trip Edition: Real Stories from the Rock Retirement Club

#266 - The RV Virus Road Trip Edition: Real Stories from the Rock Retirement Club

After this month’s RV virus series, I’m sure you are all ready for a road trip! Ty and Larry join me on this episode to share their wisdom from more than 7 years on the road. This couple is truly inspirational and will have you rethinking your purpose and what it means to retire. Listen to Larry and Ty discuss what it means to retire with purpose and how their life looks after 7 years on the road.

PodcastsRoger WhitneyMarch 27, 2019road trip, RV, care-a-vanners