Retire South Shore Radio

Retire South Shore Radio
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Retire South Shore Radio was launched by South Shore Retirement Services, based in Hingham, MA, to help retirees and pre-retirees chart a confident retirement course. Join Mark Rowlette and the South Shore Retirement team each week as they discuss key financial topics of the day and strategies that can help those planning to start their retirement journey. https://southshoreretirementservices.com/

  1. Sep 17

    The First Year of Retirement: Why It Sets the Tone for Everything After

    The paycheck stops, and suddenly every day feels like Saturday. That first year of retirement can be exciting, but it quietly sets the tone for everything that comes after, both financially and emotionally.  With Mark out this week, Damon La Tanzi is joined in studio by advisor Elijah Mott to talk about the stretch of retirement people underestimate most. They share the story of a woman who retired with a solid pension, then traveled, helped her kids, and eyed a second home, all with no plan in place, and got blindsided by a tax bill that had her wondering if she'd have to go back to work. They use it to unpack why the early years matter so much: you tend to spend more when you're younger and healthier, but the big early decisions, when to file for Social Security, which pension option to choose, getting Medicare right, are often ones you can't undo.  They also get into the part nobody warns you about, the identity shift. After 40 years of structure, "what am I now?" is a real question, and Elijah and Damon talk through why retiring to something matters as much as retiring from a job. Elijah shares a bit of his own story too, why he left the big-box world to do fuller planning at South Shore.  Plain talk for individuals and families across the South Shore standing at the edge of retirement who want the first year to go right. If you're approaching that first year, visit southshoreretirementservices.com or call the office at 781-725-5557.

  2. Aug 30

    Giving vs. Leaving: Passing on Values, Not Just an Inheritance

    Everyone hopes to leave something to their family, but handing down money without handing down good habits can do more harm than good. Mark Rowlette and Damon La Tanzi of South Shore Retirement Services dig into a conversation they have with clients all the time, giving versus leaving, and why the values you pass on end up mattering more than the dollars.  They tackle a common and risky assumption: that your children or grandchildren will simply know what to do when they inherit. Plenty of terrific savers never learned the difference between a 401(k), a Roth, and a brokerage account, and money that arrives without a way to think about it can disappear faster than you'd hope. The fix is starting the conversation early and often, without pressure, so the next generation builds real habits around saving and spending.  Mark draws on his own story too, coming to the United States from Ireland with very little and learning financial responsibility the hard way, to make the point that habits are taught, not simply inherited. Leaving tax-efficient money to the next generation is worth doing, but pairing it with good habits is what makes it last. As he puts it, saving for tomorrow shouldn't destroy today.  Plain talk for individuals and families across the South Shore of Massachusetts who want to pass on wisdom along with whatever they leave behind.  If you'd like to talk through your own giving-versus-leaving questions, visit southshoreretirementservices.com or call the office at 781-725-5557

  3. Aug 23

    The All Hands Analysis®: Why a Real Retirement Plan Takes a Team

    Most financial advice stops at picking investments. Mark Rowlette and Damon La Tanzi of South Shore Retirement Services make the case that a real retirement plan takes a team and a process, and they walk through the firm's five-part All Hands Analysis®: income planning, wealth management, tax strategy, healthcare and long-term care, and legacy and estate planning.  The name comes from the old nautical call, all hands on deck, everyone with a job that serves the whole plan. Mark and Damon explain why those five areas can't be handled in isolation, since your tax strategy is tied to your income, and your legacy planning is tied to how you approach long-term care. They talk through the advice gap they see all the time, where your CPA can prepare a return but nobody is actually doing the planning, and why the industry tends to stop after income and investments.  They also pull back the curtain on what a team really means. When you work with South Shore, you're not leaning on one person. A whole office stands behind the plan to make sure nothing falls through the cracks, from a small income adjustment to helping a family navigate a change in care.  Plain talk for individuals and families across the South Shore of Massachusetts who want the whole picture handled, not just a piece of it.  If you'd like to see what the All Hands Analysis® looks like for your situation, visit southshoreretirementservices.com or call the office at 781-725-5557.

  4. Aug 16

    Medicare Open Enrollment: What to Check Before the Window Closes

    Medicare open enrollment runs October 15 to December 7, and the people it matters to most aren't the first-timers, they're the ones already on Medicare who assume last year's plan still fits. Mark Rowlette and Damon La Tanzi of South Shore Retirement Services explain why "it worked last year" is an assumption, not a guarantee, and walk through what to check before that narrow window closes.  The big one is your prescriptions. What sits in an affordable tier this year can jump to a much higher cost next year, and you don't want to learn that at the pharmacy counter in January. They lay out a simple audit: list every medication you and your spouse take, then confirm your plan still covers them the same way and at the same price.  They also make the case for doing this homework in August, not late November when the whole industry is in a feeding frenzy, and for why even high earners should bother, because nobody wants to overpay when a little preparation would have caught it. Medicare is one piece of the bigger retirement picture the firm covers in its All Hands Analysis®, not a box you check once and forget.  Plain talk for individuals and families across the South Shore of Massachusetts who want their healthcare coverage to be a decision, not a default.  If you'd like help thinking through your Medicare options before open enrollment, visit southshoreretirementservices.com or call the office at 781-725-5557.

  5. Aug 9

    Lifestyle Creep: Spending in Retirement Without the Guesswork

    Retirement flips a switch most people aren't ready for. For 40 years the paycheck showed up on its own. Now you're the one creating it, and every dollar you spend comes out of savings you worked a lifetime to build. That shift changes the psychology of money completely, and it's where lifestyle creep quietly takes hold.  In this episode, Mark Rowlette and Damon La Tanzi of South Shore Retirement Services tackle both sides of the problem. There's the risk of overspending, where a windfall or a few good years quietly reset your baseline higher without you noticing. And there's the one they see just as often: careful savers so afraid of running out that they underspend and rob themselves of the retirement they earned. As Mark puts it, you're not on a fixed income, you're responsible for creating your own income, so it's plan, plan, plan, not trim, trim, trim.  The heart of the episode is a practical ten-step framework for spending with confidence, knowing your real numbers, setting guardrails rather than restrictions, separating needs from wants and covering needs with predictable income, keeping an emergency reserve, revisiting the plan every year, and giving yourself permission to actually enjoy it. Mark's analogy: a plan is the personal trainer to your home gym, the accountability that turns good intentions into results.  Plain talk for individuals and families across the South Shore who want to spend their retirement money with clarity instead of anxiety.  If you'd like a spending plan you can feel confident in, visit southshoreretirementservices.com or call the office at 781-725-5557.

  6. Aug 2

    Golden Handcuffs: Using the Money You've Made Without a Giant Tax Bill

    A big gain sounds like nothing but good news, right up until you go to use the money and meet your silent partner, the IRS. Sell, and the capital gains taxes stack up fast. Hold, and the stock starts to own you.  In this episode, Mark Rowlette and Damon La Tanzi of South Shore Retirement Services dig into a good problem to have: you've done so well in a single stock or a brokerage account that you feel trapped by your own success. As Damon puts it, at a certain point you don't own the stock, the stock owns you. And that fear of the tax hit can leave people sitting on money they'd love to actually use, on the vacation home, on the life they pictured.  They walk through practical ways to loosen those handcuffs without triggering one giant bill: borrowing against your holdings instead of selling, direct indexing with a capital gains budget so you unwind a concentrated position on your own terms, and covered-call strategies Mark compares to renting out a summer home you're not ready to sell. Then a lightning round of lesser-known moves: a 351 exchange to diversify out of a single stock, charitable remainder trusts, and donor-advised funds.  Plain talk for individuals and families across the South Shore who've done well and want the freedom to enjoy it. As Mark says, it's not about how much money you have; it's about how much you get to keep.  If you're sitting on gains you're not sure how to use, visit southshoreretirementservices.com or call the office at 781-725-5557.

  7. Jul 26

    Three Ways to Protect Your Purchasing Power

    A market crash hits all at once, and usually recovers. Inflation is the opposite: a slow, steady chipping away at what your money can buy, so gradual you barely notice it until years have passed. At just 3 percent a year, the cost of your life roughly doubles over a typical retirement.  In this episode, Mark Rowlette and Damon La Tanzi of South Shore Retirement Services walk through three practical ways to keep your purchasing power from slipping. First, keeping some growth in your portfolio, and understanding your real rate of return, what you're actually earning after inflation, not just the number on the statement. Second, knowing which of your income sources adjust for inflation and which don't, and being thoughtful about when to claim Social Security. Third, building flexibility into the plan, the breathing room to spend more in a pricey year and pull back in a calmer one, plus simpler levers like substituting one trip for another, staggering a couple's retirement dates, or a bit of part-time work.  They also make the case for figuring out your own personal inflation rate rather than reacting to the headlines, since a long commuter and a homebody feel rising gas prices very differently.  Plain talk for individuals and families across the South Shore who want inflation to be a line item in the plan, not a source of worry.  If you'd like to see how your plan holds up against rising costs, visit southshoreretirementservices.com or call the office at 781-725-5557.

  8. Jul 19

    2026 Tax Changes: How the New Rules Can Give Your Retirement Savings a Raise

    The tax code changes every year, and 2026 brought a round of updates that quietly hand a lot of savers a raise. Mark Rowlette and Damon La Tanzi of South Shore Retirement Services walk through what changed and how to actually use it, starting with a simple idea: you don't need one thirty-year retirement plan, you need thirty one-year plans that flex as the rules move.  This year brought higher contribution limits on 401(k)s, 403(b)s, thrift savings plans, and IRAs, along with the catch-up contributions that open up once you turn 50. Mark and Damon flag a trap they see often: people who set their contribution as a flat dollar amount years ago and never adjusted it, so they believe they're maxing out when they quietly stopped. If you're in your top earning years heading into retirement, knowing the new limits can meaningfully boost your savings.  They also get into the potential tax advantage of contributing while you're in a higher working bracket and drawing the money out later in a lower one, and why staying current beats a set-it-and-forget-it approach. The point of the show is that small moves you understand today can have a big impact down the road.  Plain talk for individuals and families across the South Shore of Massachusetts who want to keep more of what they earn as the rules keep changing.  If you'd like to see how this year's changes affect your own plan, visit southshoreretirementservices.com or call the office at 781-725-5557.

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About

Retire South Shore Radio was launched by South Shore Retirement Services, based in Hingham, MA, to help retirees and pre-retirees chart a confident retirement course. Join Mark Rowlette and the South Shore Retirement team each week as they discuss key financial topics of the day and strategies that can help those planning to start their retirement journey. https://southshoreretirementservices.com/

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  • Creator
    Retire South Shore Radio
  • Years Active
    2026
  • Episodes
    26
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    Clean
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    © Retire South Shore Radio
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    Retire South Shore Radio