521 episodes

A top retirement podcast. Roger Whitney, CFP®, CIMA®, CPWA®, RMA, AIF® guides you on how to actually do retirement well financially and personally. This retirement podcast isn't afraid to talk about the softer side of retirement. It will teach you how to retire with confidence. Two-time PLUTUS winner for best retirement podcast / blog and the 2019 winner for best financial planner blog. This retirement podcast covers how to create a paycheck, medicare, healthcare, Social Security, tax management in retirement as well as retirement travel and other non-financial issues you'll need to address to rock retirement. Retirement isn’t an age OR a financial number. It’s finding that balance between living well today and feeling confident about your retirement. It’s about gaining more freedom to pursue the life you want. Join the rock retirement community at www.rogerwhitney.com

Retirement Answer Man Roger Whitney, CFP®, CIMA®, RMA, CPWA®, AIF®

    • Investing

A top retirement podcast. Roger Whitney, CFP®, CIMA®, CPWA®, RMA, AIF® guides you on how to actually do retirement well financially and personally. This retirement podcast isn't afraid to talk about the softer side of retirement. It will teach you how to retire with confidence. Two-time PLUTUS winner for best retirement podcast / blog and the 2019 winner for best financial planner blog. This retirement podcast covers how to create a paycheck, medicare, healthcare, Social Security, tax management in retirement as well as retirement travel and other non-financial issues you'll need to address to rock retirement. Retirement isn’t an age OR a financial number. It’s finding that balance between living well today and feeling confident about your retirement. It’s about gaining more freedom to pursue the life you want. Join the rock retirement community at www.rogerwhitney.com

    Important Retirement Numbers for 2024

    Important Retirement Numbers for 2024

    The way does not exist–there is no one correct way to do things. We are all finding our own ways in life and retirement. Working with an agile structure will help give you the scaffolding to create a retirement plan in an organized way.
    On this episode, you’ll hear how drafting your agile retirement plan can help you discover your unique way to rock retirement. 
    Continue listening to discover the books I read in November, the answers to several listener questions, and the way to create an exercise plan to boost your energy.
    OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN BOOKS I READ IN NOVEMBER [2:40] The books I read in November LISTENER QUESTIONS [9:37] Books I have recommended in the past [12:25] A refilling tax buckets comment [16:50] Can you make a full HSA contribution for 2024? [19:35] A question on car loans [25:06] How do you know if your retirement plan is resilient [28:52] A book recommendation BRING IT ON WITH DR. BOBBY DUBOIS [30:39] How to show up with energy with exercise [35:43] How to set up an exercise program [39:13] Where to start [42:14] Convert your stationary life to a life of movement [50:16] How to fuel yourself for a workout [53:18] How to build a sustainable exercise program TODAY’S SMART SPRINT SEGMENT [57:00] Assess your process and strategy for retirement Resources Mentioned In This Episode Episode 434 - Functional Health To Rock Retirement - Creating The Right Exercise Plan
    DoRetirementRight.com
    Episodes with lists of books I’ve recommended - 138, 206, 287, 464
    The Retirement Answer Man GoodReads Book Club
    BOOK - Die with Zero by Bill Perkins
    BOOK - Be Useful by Arnold Schwarzenegger
    BOOK - Total Recall by Arnold Schwarzenegger
    BOOK - Only the Dead by Jack Carr
    BOOK - I’m Proud of You by Tim Madigan
    BOOK - The Road to Character by David Brooks
    Rock Retirement Club
    Roger’s YouTube Channel - Roger That
    BOOK - Rock Retirement  by Roger Whitney
    Roger’s Retirement Learning Center

    • 59 min
    How Do I Refill My Retirement Income Floor?

    How Do I Refill My Retirement Income Floor?

    Have you been wondering what you’re supposed to do when it comes to refilling your retirement income buckets? So has Michael. In this episode, I’ll go into further detail about how to do that.
    Stay tuned for the answer to Michael’s question and many others as well as a chat with Kevin Lyles on how to ease into retirement in the Bring It On segment. Press play to get started. 
    OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN LISTENER QUESTIONS [4:38] How to reinvest retirement income floor [15:21] Contribute to grandchild’s Roth accounts to teach compounding [16:58] How is a non-deductible IRA contribution withdrawal handled? [19:51] The pros and cons of Everplans [24:26] On organizing books BRING IT ON [25:45] How to ease into retirement TODAY’S SMART SPRINT SEGMENT [33:45] Check your liquidity Resources Mentioned In This Episode BOOK - The Road to Character by David Brooks
    BOOK - The Second Mountain by David Brooks 
    Everplans.com
    Episode 473 - How Is Deferred Compensation Taxed When I Receive It?
    Rock Retirement Club
    Roger’s YouTube Channel - Roger That
    BOOK - Rock Retirement  by Roger Whitney
    Roger’s Retirement Learning Center
     

    • 36 min
    My Retirement Planner Said No to a Report Request. What Should I Do? 

    My Retirement Planner Said No to a Report Request. What Should I Do? 

    What would you do if your retirement planner said no when you asked them for a report? I’ll address this question and many more on this episode of the Retirement Answer Man Show.
    We’ll also discuss the two things you need to find happiness. Are you curious as to what they are? Listen in to find out. 
    OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN LISTENER QUESTIONS [2:13] Adding to my partial answer to a question in episode 512 [5:33] What to do when my advisor told me no to a report [11:05] On switching plans in Medicare’s open enrollment [14:41] What training someone should pursue to improve their financial education [18:10] The issues that come with trying to die with zero [21:03] Rules when you return to work [23:22] On securing long-term care insurance [25:51] Are the rules different for 457B accounts? BRING IT ON [29:57] Building protocols to improve your agency TODAY’S SMART SPRINT SEGMENT [34:00] Write 5 things you are grateful for and 5 things you can do to build agency Resources Mentioned In This Episode Huberman Lab Podcast
    LTCI Partners
    Episode #281 - Is An Annuity Right For Retirement? The Role An Annuity Can Play In Your Portfolio
    BOOK - Die with Zero by Bill Perkins
    Episode #345 - How Does Medicare Work? Making Your Medicare Decision with Danielle Roberts
    Boomer Benefits
    Episode 512 - How Should I Pay Taxes On My Roth Conversions?
    Rock Retirement Club
    Roger’s YouTube Channel - Roger That
    BOOK - Rock Retirement  by Roger Whitney
    Roger’s Retirement Learning Center

    • 35 min
    Should I Consolidate My Accounts in Retirement? 

    Should I Consolidate My Accounts in Retirement? 

    If you have different retirement accounts at various brokerage firms, you may wonder whether you should consolidate them. One listener asked me that very question today. I’ll answer it along with several others–don’t miss the one about my finance book recommendations. 
    Are you curious about how you can improve your relationship in retirement? Then, make sure to listen to Mark Ross’s suggestions in the Bring It On segment.
    OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN LISTENER QUESTIONS [5:51] Should Greg and his wife consolidate their accounts? [11:39] Using the Obsidian note-taking app [13:42] Larry’s question on RMDs and down markets [16:34] My recommendation on reading material for Sandy on money management [19:41] What is a LIRP? BRING IT ON WITH MARK ROSS [22:12] The relationship pillar requires communication [25:16] Have a retirement plan of record TODAY’S SMART SPRINT SEGMENT [30:07] Review these end-of-year housekeeping tips Resources Mentioned In This Episode BOOK - The Behavioral Investor by Daniel Crosby
    BOOK - 48 Days to the Work You Love by Dan Miller
    BOOK - Don’t Retire, Rewire by Jeri Sedlar
    BOOK - Younger Next Year by Chris Crowley
    BOOK - Stacked by Joe Saul-Sehy
    BOOK - A Simple Plan to Wealth by J.L. Collins
    BOOK - Winning the Loser’s Game by Charles Ellis
    BOOk - The Retirement Income Guidebook by Wade Pfau
    The Retirement Answer Man GoodReads group
    Notion
    Obsidian note-taking app
    Rock Retirement Club
    Roger’s YouTube Channel - Roger That
    BOOK - Rock Retirement  by Roger Whitney
    Roger’s Retirement Learning Center

    • 33 min
    How Should I Pay Taxes on My Roth Conversions?

    How Should I Pay Taxes on My Roth Conversions?

    “You do not rise to the level of your goals; you fall to the level of your systems.” James Clear
    I’ve been focusing on building up my systems lately and today I’ll provide you with an example of what that looks like for me. 
    In addition, in this episode, you’ll hear several questions on how to optimize your tax burden. Then in the Bring It On segment, Kevin Lyles joins me to discuss the role of leisure in retirement.
    Join me today to take a baby step to improve your life in retirement. 
    OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT [2:19] Building systems  LISTENER QUESTIONS [6:31] How to pay taxes for Roth Conversions [14:44] On new rules for catch-up contributions [17:07] Can Larry contribute to his wife’s HSA? [19:26] The details on the taxes on selling a house BRING IT ON [22:46] The role of leisure in retirement [25:06] The 6 categories of leisure TODAY’S SMART SPRINT SEGMENT [31:16] Look at your after-tax accounts and tally your realized capital gains Resources Mentioned In This Episode BOOK - Atomic Habits by James Clear
    Sign up for the 6-Shot Saturday newsletter!
    Rock Retirement Club
    Roger’s YouTube Channel - Roger That
    BOOK - Rock Retirement  by Roger Whitney
    Roger’s Retirement Learning Center

    • 34 min
    Should I Continue to Own Bond Funds? 

    Should I Continue to Own Bond Funds? 

    Bonds are a ubiquitous part of a balanced portfolio and in recent years bond funds have become even more attractive to many investors. However, due to rising interest rates, bond funds are now losing their appeal. 
    One listener asks whether she should call it quits on her investment in bond funds. In this episode of Retirement Answer Man, Nichole and I will explore this and other questions from listeners like you. 
    Stick around to hear my conversation with Dr. Bobby Dubois about energy and our relationship with caffeine. Find out once and for all whether caffeine is as bad for you as they say.
    OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN WHAT I READ IN OCTOBER [1:30] Books I read in October LISTENER QUESTIONS [5:01] Will it be a long way to get back to even on bond funds? [10:03] About the recommended withdrawal rate in retirement [12:12] How to figure out the net worth of a pension [14:41] A question about transferring IRA funds to HSA [16:23] Feedback on wisdom for our children [17:14] How far back should a newer listener go in the podcasts? [21:09] A comment on my YouTube video with Joe Saul-Sehy BRING IT ON WITH DR. BOBBY DUBOIS [22:20] 85% of people have caffeinated beverages each day [28:22] How much caffeine should you have each day [30:12] What happens to your brain on caffeine [39:37] What to do with this information TODAY’S SMART SPRINT SEGMENT [44:18] Join the Retirement Answer Man Goodreads group! Resources Mentioned In This Episode Join the Retirement Answer Man group on Goodreads
    BOOK - The Count of Monte Cristo by Alexandre Dumas
    BOOK - The Armor of Light by Ken Follett
    BOOK - Stillness is the Key by Ryan Holiday
    Rock Retirement Club
    Roger’s YouTube Channel - Roger That
    BOOK - Rock Retirement  by Roger Whitney
    Roger’s Retirement Learning Center

    • 47 min

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