A Considerate Retirement

Joshua Mangoubi, CFA
  • 0.0 (0)
  • Investing

A Considerate Retirement is a calm, practical podcast for people approaching or in retirement — hosted by Joshua Mangoubi, CFA, founder of Considerate Capital, a fee-only fiduciary. Each episode takes one real retirement question — drawing down savings, Roth conversions and the tax window, what your bonds are actually for, the psychology of spending after a lifetime of saving — and turns it into a useful, unhurried conversation. Markets matter; behavior matters more. Full transcripts and show notes at consideratecapital.com/podcast. This content is for educational purposes only and is not investment, tax, or legal advice. Considerate Capital is a registered investment adviser in Illinois. Past performance does not guarantee future results. All strategies involve risk, including the potential loss of principal. Please consult your own tax, legal, and financial advisors regarding your specific situation.

  1. 2d ago

    The widow's penalty.

    What is the widow's penalty? After one spouse dies, the survivor usually files taxes as a single person, with a standard deduction about half as large and brackets about half as wide, so a similar income is taxed more heavily. One Social Security check also stops, and Medicare can charge more. The penalty cannot be erased, but most of what softens it has to be done while both spouses are alive. Full transcript and show notes: https://consideratecapital.com/podcast/the-widows-penalty This content is for educational purposes only and is not investment, tax, or legal advice. Considerate Capital is a registered investment adviser in Illinois. Past performance does not guarantee future results. All strategies involve risk, including the potential loss of principal. Please consult your own tax, legal, and financial advisors regarding your specific situation.

  2. 2d ago

    When the blues does not lift.

    The low that arrives in the first year or two of retirement is usually the ordinary blues, and the honest evidence is reassuring: retirement is not a reliable cause of depression, and for many people it leaves their mental health unchanged or better. But for a smaller group the low is not the blues at all, and the difference is less about how far down it goes than whether it moves at all. This is how to tell the ordinary dip from clinical depression, why depression in later life is so often missed and written off as aging, and why the safest thing to do with a low that will not lift is to stop waiting it out. Full transcript and show notes: https://consideratecapital.com/podcast/when-the-blues-does-not-lift This content is for educational purposes only and is not investment, tax, or legal advice. Considerate Capital is a registered investment adviser in Illinois. Past performance does not guarantee future results. All strategies involve risk, including the potential loss of principal. Please consult your own tax, legal, and financial advisors regarding your specific situation.

  3. 2d ago

    The trust that bets on your marriage.

    Is a spousal lifetime access trust (SLAT) worth it? A spousal lifetime access trust lets one spouse move up to $15 million out of both estates while the other spouse can still draw on it, which keeps the household's standard of living intact. The price is paid elsewhere: the gift is irrevocable, access ends with death or divorce, heirs give up the step-up in basis, and a his-and-hers pair must survive the reciprocal trust doctrine. Weighing those honestly is the whole decision. Full transcript and show notes: https://consideratecapital.com/podcast/slat-pros-and-cons This content is for educational purposes only and is not investment, tax, or legal advice. Considerate Capital is a registered investment adviser in Illinois. Past performance does not guarantee future results. All strategies involve risk, including the potential loss of principal. Please consult your own tax, legal, and financial advisors regarding your specific situation.

  4. 2d ago

    The four-million-dollar line.

    Can you plan around the Illinois estate tax? The federal estate tax now starts at $15 million, but Illinois draws its own line at $4 million, with no portability between spouses and a computation that taxes the whole estate once you cross it. An ordinary house, retirement accounts, and a life insurance policy clear that line more often than people expect. The softening tools are old and reliable: trusts that preserve both spouses' exclusions, lifetime gifts, insurance owned outside the estate, and honest counting before any of it. Full transcript and show notes: https://consideratecapital.com/podcast/avoiding-the-illinois-estate-tax This content is for educational purposes only and is not investment, tax, or legal advice. Considerate Capital is a registered investment adviser in Illinois. Past performance does not guarantee future results. All strategies involve risk, including the potential loss of principal. Please consult your own tax, legal, and financial advisors regarding your specific situation.

  5. 2d ago

    The loneliness no one plans for.

    Loneliness in retirement is rarely planned for, yet it is one of the most common and least discussed parts of leaving work. The colleagues you saw every day simply stop being there, the week's human contact thins out without anyone deciding it should, and the research now treats that isolation as a genuine risk to your health rather than only your mood. This is why social connection after you retire deserves real attention, why it can creep in even inside a good marriage, and how people rebuild a life with other people in it. Full transcript and show notes: https://consideratecapital.com/podcast/the-loneliness-no-one-plans-for This content is for educational purposes only and is not investment, tax, or legal advice. Considerate Capital is a registered investment adviser in Illinois. Past performance does not guarantee future results. All strategies involve risk, including the potential loss of principal. Please consult your own tax, legal, and financial advisors regarding your specific situation.

  6. 2d ago

    What a CFA charterholder actually is.

    What is a CFA charterholder? CFA stands for Chartered Financial Analyst, widely considered the gold standard in finance. It takes three exams over several years that fewer than half of candidates pass at each level, plus an ethics code and years of experience. This is what the charter demands, what its curriculum covers, including a private-wealth planning track, where most charterholders actually work, and the one thing the letters cannot tell you about the person in front of you. Full transcript and show notes: https://consideratecapital.com/podcast/what-is-a-cfa-charterholder This content is for educational purposes only and is not investment, tax, or legal advice. Considerate Capital is a registered investment adviser in Illinois. Past performance does not guarantee future results. All strategies involve risk, including the potential loss of principal. Please consult your own tax, legal, and financial advisors regarding your specific situation.

  7. 2d ago

    How to choose a financial advisor.

    How do you choose a financial advisor? When you are ready for help with your money, the letters after an advisor's name are only the beginning. Two credentials carry the most weight, the CFA and the CFP, and an advisor needs only one, but neither one proves whose interest comes first. This is how to read the credentials, weigh a person's training and track record, understand how an advisor is actually paid, and vet anyone with a few plain questions before you ever sit down. Full transcript and show notes: https://consideratecapital.com/podcast/how-to-choose-a-financial-advisor This content is for educational purposes only and is not investment, tax, or legal advice. Considerate Capital is a registered investment adviser in Illinois. Past performance does not guarantee future results. All strategies involve risk, including the potential loss of principal. Please consult your own tax, legal, and financial advisors regarding your specific situation.

  8. 2d ago

    The dip is a stage, not a verdict.

    The "emotional stages of retirement" are usually sold as a tidy staircase: honeymoon, disenchantment, reorientation, a settled new normal. The truth is more honest and more useful. Retirement does tend to move through a high and then, for many people, a low before it turns, but the research shows it is a map of the terrain and not a timetable everyone keeps. This is what the arc actually feels like, why the dip is a stage rather than a verdict, and why the giddy high and the flat low are the two worst times to make a decision you cannot take back. Full transcript and show notes: https://consideratecapital.com/podcast/the-dip-is-a-stage-not-a-verdict This content is for educational purposes only and is not investment, tax, or legal advice. Considerate Capital is a registered investment adviser in Illinois. Past performance does not guarantee future results. All strategies involve risk, including the potential loss of principal. Please consult your own tax, legal, and financial advisors regarding your specific situation.

See All (21)

Trailer

About

A Considerate Retirement is a calm, practical podcast for people approaching or in retirement — hosted by Joshua Mangoubi, CFA, founder of Considerate Capital, a fee-only fiduciary. Each episode takes one real retirement question — drawing down savings, Roth conversions and the tax window, what your bonds are actually for, the psychology of spending after a lifetime of saving — and turns it into a useful, unhurried conversation. Markets matter; behavior matters more. Full transcripts and show notes at consideratecapital.com/podcast. This content is for educational purposes only and is not investment, tax, or legal advice. Considerate Capital is a registered investment adviser in Illinois. Past performance does not guarantee future results. All strategies involve risk, including the potential loss of principal. Please consult your own tax, legal, and financial advisors regarding your specific situation.

Information