All Things Retirement

Anthony Aulffo
  • 2.3 (3)
  • Investing
  • Weekly

Retirement insights from Certified Financial Planner Anthony Aulffo of Cardinal Wealth Group in Cherry Hill, NJ. Learn about important financial topics and retirement planning tips each week on the show. If you want to be better prepared for retirement and your financial future, this is the show for you! Check out the podcast on YouTube: https://www.youtube.com/channel/UCBoBzixGqqmOj4C4WWuuxfQ To learn more, visit https://cardinalwg.com/ or call (609) 362-5512.

  1. Nov 5

    The "No Medical Exam" Life Insurance Trap: Why Fast Isn’t Always Best

    🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now Life insurance ads make the process sound simple: apply online, skip the medical exam, and get approved in minutes. In this episode, Anthony explains what’s actually happening behind the scenes and how a quick application can affect future underwriting. He also shares why working with an independent broker may give you more options and a better chance of finding the right fit. Sometimes a little extra patience can make a big difference when you’re protecting the people who matter most. Here’s some of what we discuss in this episode: ⚡ Fast Approval: Know what really happens 🌐 Online Brokers: Understand limited carrier access 🧾 Underwriting: See what insurers review 🚩 Application Risk: Avoid unnecessary red flags 🔎 Independent Brokers: Compare more available options ✅ Better Fit: Match coverage to your situation  Resources:  Our website: https://cardinalwg.com/ Phone: (609) 362-5512 Contact our team: https://cardinalwg.com/contact-us Schedule your no-cost consultation: https://cardinalwg.com/schedule-now Check out our downloadable guides: https://cardinalwg.com/resources/downloadable-materials Check us out on YouTube: https://www.youtube.com/channel/UCBoBzixGqqmOj4C4WWuuxfQ Facebook: https://www.facebook.com/CardinalWealthGroup/ LinkedIn: https://www.linkedin.com/in/anthony-aulffo-cfp%C2%AE-75b2919b/

  2. Oct 29

    The Inherited IRA 10-Year Rule: The RMD Trap Catching Beneficiaries Off Guard for Non-spousal

    🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now Inherited IRAs can look straightforward until you start digging into the rules. Anthony breaks down the key factors that can affect what happens next for a non-spouse beneficiary. He also explains why the timing of withdrawals can matter from a tax-planning standpoint and what steps to take if you’re unsure where you stand. The biggest mistake may be assuming you can wait until year 10 and deal with it later. Here’s some of what we discuss in this episode: ⏳ 10-Year Rule: Understand the distribution window 📤 RMDs: Know when withdrawals continue ⚠️ Penalties: Avoid costly missed distributions 🧾 Tax Planning: Time withdrawals more strategically ✅ Next Steps: Review your inherited IRA  Resources:  Our website: https://cardinalwg.com/ Phone: (609) 362-5512 Contact our team: https://cardinalwg.com/contact-us Schedule your no-cost consultation: https://cardinalwg.com/schedule-now Check out our downloadable guides: https://cardinalwg.com/resources/downloadable-materials Check us out on YouTube: https://www.youtube.com/channel/UCBoBzixGqqmOj4C4WWuuxfQ Facebook: https://www.facebook.com/CardinalWealthGroup/ LinkedIn: https://www.linkedin.com/in/anthony-aulffo-cfp%C2%AE-75b2919b/

  3. Oct 22

    The New $6,000 "Senior Deduction"

    🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now A new tax deduction could provide meaningful savings for some Americans age 65 and older, but qualifying isn’t quite as simple as hitting the right birthday. Anthony explains how income and retirement-planning decisions can affect eligibility, and why it’s important to weigh the trade-offs. The bigger lesson is that good tax planning means looking at the entire picture before making a move. Sometimes the value of one strategy depends on what it triggers somewhere else.    Here’s some of what we discuss in this episode: 🔎 Senior Deduction: Understand the new tax break 📉 Income Phaseout: See when benefits start shrinking 🔄 Roth Conversions: Consider unintended tax consequences 🧾 Tax Planning: Look beyond just one decision ⚖️ Tradeoffs: Weigh benefits against lost deductions  Resources:  Our website: https://cardinalwg.com/ Phone: (609) 362-5512 Contact our team: https://cardinalwg.com/contact-us Schedule your no-cost consultation: https://cardinalwg.com/schedule-now Check out our downloadable guides: https://cardinalwg.com/resources/downloadable-materials Check us out on YouTube: https://www.youtube.com/channel/UCBoBzixGqqmOj4C4WWuuxfQ Facebook: https://www.facebook.com/CardinalWealthGroup/ LinkedIn: https://www.linkedin.com/in/anthony-aulffo-cfp%C2%AE-75b2919b/

  4. Oct 15

    The 2026 Midterms and Your Portfolio: What History Says to Do (and Not Do)

    🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now Should the upcoming midterm elections change how you invest? Political uncertainty can make investors nervous, but history tells a different story about how markets respond to election cycles. Anthony examines decades of market performance and explains why trying to predict political winners and losers can be a costly mistake. Here’s some of what we discuss in this episode: 📊 Historical Market Trends: What decades of election data reveal 🗳️ Politics vs. Performance: How markets respond across administrations ⚠️ Market Timing Risks: Why predicting sector winners is difficult 💼 Portfolio Discipline: Avoiding emotionally driven investment decisions 📅 Year-End Planning: Rebalancing, taxes, and Roth conversions Resources:  Our website: https://cardinalwg.com/ Phone: (609) 362-5512 Contact our team: https://cardinalwg.com/contact-us Schedule your no-cost consultation: https://cardinalwg.com/schedule-now Check out our downloadable guides: https://cardinalwg.com/resources/downloadable-materials Check us out on YouTube: https://www.youtube.com/channel/UCBoBzixGqqmOj4C4WWuuxfQ Facebook: https://www.facebook.com/CardinalWealthGroup/ LinkedIn: https://www.linkedin.com/in/anthony-aulffo-cfp%C2%AE-75b2919b/

  5. Sep 24

    Running Out of Money vs Running Out of Time

    🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now The fear of running out of money can follow people into retirement even when the numbers suggest they’re in good shape. Anthony explores why that anxiety can become just as costly when it keeps retirees from enjoying the life they worked so hard to build. Retirement isn’t only about making the money last; it’s also about making sure fear doesn’t cause you to waste the time you have. Here’s some of what we discuss in this episode: 😰 Money Anxiety: Why the fear of running out can persist even with substantial retirement savings 🔄 Changing Retirement: How the shift away from pensions has placed more responsibility on individual retirees 🧠 Loss Aversion: Why losing money can feel far more painful than gaining the same amount feels rewarding ⌛ Underspending Risk: How excessive caution can cost retirees experiences and opportunities they can’t get back 🛡️ Safety Bucket: Setting aside several years of planned withdrawals away from market volatility ⚖️ Spending Balance: Finding a comfortable range between overspending and unnecessarily restricting your lifestyle The 10-Minute Budgeting Method That Actually Works https://www.youtube.com/watch?v=wpRCD6IE5-M&t=1s Resources:  Our website: https://cardinalwg.com/ Phone: (609) 362-5512 Contact our team: https://cardinalwg.com/contact-us Schedule your no-cost consultation: https://cardinalwg.com/schedule-now Check out our downloadable guides: https://cardinalwg.com/resources/downloadable-materials Check us out on YouTube: https://www.youtube.com/channel/UCBoBzixGqqmOj4C4WWuuxfQ Facebook: https://www.facebook.com/CardinalWealthGroup/ LinkedIn: https://www.linkedin.com/in/anthony-aulffo-cfp%C2%AE-75b2919b/

  6. Sep 17

    Retiring Early Isn't Always a Choice — Are You Ready If You're Next?

    🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now Many people plan to retire around 65, but new research shows a large percentage are leaving the workforce several years earlier—and often not by choice. Health problems, job loss, and rising healthcare expenses can suddenly force a retirement timeline to change. In this episode, Anthony explains why those extra few years matter so much and how better planning can make an unexpected early retirement more manageable. Here’s some of what we discuss in this episode: ⚠️ Unexpected Exit: How health issues, layoffs, and caregiving can shorten a career 💰 Financial Impact: What a few lost working years can mean for income, savings, and portfolio withdrawals 🧾 Cash Flow: Using bonuses, refunds, savings, and debt reduction more intentionally 🛡️ Preparedness: How planning can reduce the pressure to immediately replace a lost job 🏥 Healthcare: Accounting for insurance costs when retirement happens before Medicare eligibility 🧠 Emotional Side: Why preparation can help prevent fear from driving the next financial decision Millions Are Retiring Earlier Than Planned. Do Advisors Need To Rethink Planning? https://www.fa-mag.com/news/most-americans-retire-earlier-than-planned--here-are-the-top-reasons-87149.html Resources:  Our website: https://cardinalwg.com/ Phone: (609) 362-5512 Contact our team: https://cardinalwg.com/contact-us Schedule your no-cost consultation: https://cardinalwg.com/schedule-now Check out our downloadable guides: https://cardinalwg.com/resources/downloadable-materials Check us out on YouTube: https://www.youtube.com/channel/UCBoBzixGqqmOj4C4WWuuxfQ Facebook: https://www.facebook.com/CardinalWealthGroup/ LinkedIn: https://www.linkedin.com/in/anthony-aulffo-cfp%C2%AE-75b2919b/

  7. Sep 10

    The $80,000 Healthcare Cost Cliff

    🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now Retiring before Medicare can create a major healthcare expense, and recent subsidy changes have made that gap even more important to plan for. Anthony explains how modified adjusted gross income (MAGI) can affect what you pay for coverage and walks through a real client case where coordinated planning dramatically reduced projected healthcare costs. When those pieces work together, the difference can be measured in tens of thousands of dollars. Here’s some of what we discuss in this episode: 🏥 Healthcare Cliff: Why pre-Medicare coverage can get expensive 📉 Subsidy Changes: What changed for early retirees 📋 Real Case Study: How one couple faced a major premium increase 🔄 Income Coordination: Mixing taxable and tax-free withdrawals 💰 Roth Flexibility: Why tax-free income can be so valuable 🎯 Early Retirement: Why planning ahead can preserve options Resources:  Our website: https://cardinalwg.com/ Phone: (609) 362-5512 Contact our team: https://cardinalwg.com/contact-us Schedule your no-cost consultation: https://cardinalwg.com/schedule-now Check out our downloadable guides: https://cardinalwg.com/resources/downloadable-materials Check us out on YouTube: https://www.youtube.com/channel/UCBoBzixGqqmOj4C4WWuuxfQ Facebook: https://www.facebook.com/CardinalWealthGroup/ LinkedIn: https://www.linkedin.com/in/anthony-aulffo-cfp%C2%AE-75b2919b/

  8. Sep 3

    The 10-Minute Budgeting Method That Actually Works

    🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now Many budgeting tools start by asking you to change your spending before you even know what your real numbers are. Anthony walks through the simple process Cardinal Wealth Group uses to help clients calculate their true lifestyle spending without tracking every individual purchase. He explains how this unique way of tracking allows for a more realistic retirement plan around the life you actually live. Here’s some of what we discuss in this episode: 💵 Real Spending: Find what you actually spend 📄 Source Documents: Start with two key records 💳 Hidden Deficits: Account for growing credit balances 🏠 Future Expenses: Identify costs that may disappear 📉 Retirement Spending: Project your future lifestyle needs 🎯 Planning Target: Build around your real lifestyle ✂️ Cutbacks Later: See what works before cutting Capture Your Spend Rate PDF: https://u.pcloud.link/publink/show?code=XZqlfFJZtSkgTEYDK0JXEYT06U8EgXH4wWjV Resources:  Our website: https://cardinalwg.com/ Phone: (609) 362-5512 Contact our team: https://cardinalwg.com/contact-us Schedule your no-cost consultation: https://cardinalwg.com/schedule-now Check out our downloadable guides: https://cardinalwg.com/resources/downloadable-materials Check us out on YouTube: https://www.youtube.com/channel/UCBoBzixGqqmOj4C4WWuuxfQ Facebook: https://www.facebook.com/CardinalWealthGroup/ LinkedIn: https://www.linkedin.com/in/anthony-aulffo-cfp%C2%AE-75b2919b/

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About

Retirement insights from Certified Financial Planner Anthony Aulffo of Cardinal Wealth Group in Cherry Hill, NJ. Learn about important financial topics and retirement planning tips each week on the show. If you want to be better prepared for retirement and your financial future, this is the show for you! Check out the podcast on YouTube: https://www.youtube.com/channel/UCBoBzixGqqmOj4C4WWuuxfQ To learn more, visit https://cardinalwg.com/ or call (609) 362-5512.

Information

  • Creator
    Anthony Aulffo
  • Years Active
    2019 - 2026
  • Episodes
    93
  • Rating
    Clean
  • Copyright
    © Copyright Anthony Aulffo 2021
  • Show Website
    All Things Retirement

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