All Things Retirement

Anthony Aulffo
  • 2.3 (3)
  • Investing
  • Updated Monthly

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. 4d ago

    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/

  2. Jul 30

    Is The 4% Rule Actually Costing Retirees Money?

    🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now What if one of retirement planning’s most trusted rules is actually causing you to spend less than you safely could? The 4% rule has provided retirees with a straightforward guideline for decades, but newer research suggests that its simplicity may come at a significant cost. Anthony explains why a successful retirement income plan requires more than following a universal percentage. Could a more flexible strategy help you enjoy more of the money you worked so hard to save? Here’s some of what we discuss in this episode: 📏 How the 4% Rule Works: Understanding the traditional formula 🔎 What the Research Revealed: Why retirees may underspend 🚧 Probability-Based Guardrails: Adjusting spending as conditions change 🧩 Your Plan Is Personal: Accounting for individual goals ⚖️ Flexibility Versus Certainty: Choosing the right tradeoff The 4% Rule May Be Costing Retirees Money, Morningstar Says https://www.fa-mag.com/news/the-4--rule-may-be-costing-retirees-money--morningstar-says-87521.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/

  3. Jul 23

    Why Confidence in Retirement Has Nothing to Do With Your Balance

    🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now Worried you’ll never feel truly confident about retirement, no matter how much you’ve saved? Anthony explains why financial anxiety often has less to do with your account balance and more to do with uncertainty. He breaks down the four pillars of retirement confidence and shares that true retirement confidence comes from clarity and planning, not the size of your account balance. Here’s some of what we discuss in this episode: 😟 Financial Anxiety: Confidence is not just a balance 📊 Research Findings: Many retirees still feel uncertain 🏛️ Confidence Pillars: Four areas worth reviewing 🔢 Know Numbers: Turn uncertainty into clarity 🎯 What Are You Retiring To: Define life after work 🧭 Clear Direction: Planning helps reduce guesswork 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. Jul 16

    Maxed Out Your 401(k)? Do This Next

    🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now What happens when you’ve maxed out your 401(k), but still want to save more for retirement? In this episode, we talk about smart next steps for high earners and serious savers. From HSAs and backdoor Roth contributions to mega backdoor Roth strategies, taxable brokerage accounts, and more specialized tools, Anthony walks through the options that may help you make the most of extra income in the years leading up to retirement. Here’s some of what we discuss in this episode: 💰 Extra Savings: What to do after maxing your 401(k). 🏥 HSA Power: A triple-tax-advantaged retirement tool. 🚪 Backdoor Roth: A workaround for higher earners. 🏢 Mega Roth: Check your 401(k) plan options. 📈 Taxable Accounts: Flexible savings with fewer restrictions. 🧩 Advanced Tools: When annuities or life insurance may fit. 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. Jul 9

    Listener Q&A: Am I Being Too Conservative With My Investments?

    🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now Are you being smart with your money, or too conservative for your own good? In this episode, Anthony explains how investors can evaluate whether they should take on more risk, especially as they approach retirement. He breaks down why “conservative” can mean different things to different people, how recent market events can skew your perspective, and why risk capacity, risk tolerance, and risk need all matter when building a retirement strategy. Here’s some of what we discuss in this episode: 📉 Risk Reality: Conservative means different things. 🧠 Investor Bias: Recent markets shape emotions. ⚖️ Risk Balance: Capacity, tolerance, and need. 📊 Plan Math: Goals should guide strategy. 💬 Spousal Differences: Risk views may not match. 🛡️ Portfolio Safety: Conservative can still include growth. 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. Jun 25

    Should You Sacrifice Pension Income for Spousal Protection?

    🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now When retirement is around the corner, one of the biggest decisions isn't when to retire, it's how to structure your pension. Should you take the highest monthly payout available, or accept a smaller check in exchange for protecting your spouse if you pass away first? In this episode, Anthony breaks down the key differences and discusses how financial planning can help identify the best choice for your family's situation. If a pension election is in your future, this is a decision you'll want to get right. Here’s some of what we discuss in this episode: 💰 Pension Choices: Understanding your options ❤️ Spousal Protection: Protecting a surviving spouse 🗺️ Pension Mapping: Comparing alternative strategies 👤 Single Retirees: Special planning considerations 📊 Gap Analysis: Measuring income shortfalls ⚠️ Risk Management: Reducing uncertainty in retirement 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. Jun 18

    From First Conversation to Long-Term Plan- Here's How We Work

    🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now A lot of people think working with a financial advisor is just about picking investments. But a great planning experience is much more than that. Today, we’re walking through what it actually feels like to work with a firm like Cardinal Wealth Group- from the first conversation to ongoing guidance- so you know what to expect. Here’s some of what we discuss in this episode: 🔍 Why the best financial planning process starts with understanding your story 💰 Why investments should support your plan instead of driving it 🧩 The role cash flow, taxes, Social Security, pensions, and risk management play in a complete plan 🛡️ How Cardinal's paycheck system helps retirees prepare for future market volatility 📋 What ongoing communication and accountability look like after becoming a client 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. Jun 11

    Behind the Curtain: How The Financial Planning Process Actually Works

    🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now In this episode, Anthony pulls back the curtain on the financial planning process and explains what goes on behind the scenes to keep clients moving toward their goals. From building and updating financial plans to tax analysis, Anthony shares why comprehensive financial planning involves far more than a few meetings each year. Here’s some of what we discuss in this episode: 🔍 Behind the Scenes: What clients don’t see ⚡ Proactive Management: Addressing issues before they arise 📞 Client Communication: Staying connected between meetings 📈 Ongoing Oversight: Monitoring investments and strategies 🧩 Volume of Work: Hundreds of moving pieces each year 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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2.3
out of 5
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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
    86
  • Rating
    Clean
  • Copyright
    © Copyright Anthony Aulffo 2021
  • Show Website
    All Things Retirement

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