The Retirement Power Hour

Joe Allaria
  • 5.0 (16)
  • INVESTING

Helping listeners within 5 years of retirement invest wiser and retire better, as we discuss key financial topics like investing, retirement planning, behavioral finance, taxes, Social Security, Medicare, and more.

  1. NOV 26

    Roth vs Traditional 401(k): Pros, Cons, and How to Choose

    In this episode of the Retirement Power Hour, Joe Allaria, CFP®, breaks down the key differences between Roth and Traditional retirement accounts so you can make smarter, more tax-efficient decisions with your savings.   We’ll cover:  🔹 The real tax advantages of each account  🔹 Who should choose Roth vs who should choose Traditional  🔹 How your income level and future tax bracket affect your decision  🔹 Why some people benefit from using BOTH  🔹 What the Backdoor Roth IRA is and when it makes sense  This is Episode 2 in our 401(k) Series. If you missed Episode 1 "How Much Should You Contribute to Your 401(k)?", and Episode 2, "How Should I Invest My 401(k)?" be sure to check them out first! Submit Your Questions To submit a listener question, visit our website,  https://www.retirementpowerhourpodcas..., and enter the details of your question. Leave a Review Visit https://www.retirementpowerhourpodcas... to leave a review on Apple Podcasts or Spotify.  Disclaimer: All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss, and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, Ltd., a Registered Investment Advisory firm. The information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement. Learn more about CarsonAllaria Wealth Management at https://carsonallaria.com/  Invest Wiser & Retire Better!

    15 min

  2. OCT 16

    How Should I Invest my 401(k)?

    According to a 2023 SurveyMonkey study, 46% of 401(k) investors don’t know what they’re actually invested in. If that’s you — don’t worry, you’re not alone. In this episode of The Retirement Power Hour, Joe Allaria, CFP®, breaks down the most common 401(k) investment options and helps you answer one of the most important retirement questions: "How should I invest my 401(k)?" We’ll cover: ✔️ Target date funds: pros, cons, and how to adjust ✔️ DIY investing: building your mix of large cap, small cap, international, and bond funds ✔️ The truth about high-yield (“junk”) bond funds ✔️ Passive vs. active management inside your 401(k) ✔️ What managed account services really offer ✔️ Hidden fees to watch out for ✔️ When to consider a self-directed brokerage account ✔️ Whether an in-service rollover to an IRA makes sense for you This is Episode 2 in our 401(k) Series. If you missed Episode 1 "How Much Should You Contribute to Your 401(k)?", be sure to check it out first! Resources Mentioned in the Show: The Evolution of Qualified Default Investment Alternatives Go Global for Diversification that Travels Well Submit Your Questions To submit a listener question, visit our website,  https://www.retirementpowerhourpodcas..., and enter the details of your question. Leave a Review Visit https://www.retirementpowerhourpodcas... to leave a review on Apple Podcasts or Spotify.  Disclaimer: All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss, and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, Ltd., a Registered Investment Advisory firm. The information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement. Learn more about CarsonAllaria Wealth Management at https://carsonallaria.com/  Invest Wiser & Retire Better!

    24 min

  3. SEP 15

    How Much Should I Contribute To My 401(k)?

    According to the 2025 Intuit Prosperity Index, 68% of Americans aren’t confident they’ll ever be able to retire. One big reason? Most people don’t know how much they should contribute to their 401(k). In this episode of The Retirement Power Hour, Joe Allaria, CFP®, breaks down exactly how much you should be contributing to your 401(k)—based on your age, income, and personal situation. You’ll learn: -Why getting your employer match is non-negotiable -The “rules of thumb” for 401(k) contribution percentages at different ages -How to know if you’re on track with your retirement savings -Simple strategies to increase your contributions (even if you feel behind) Resources Mentioned in this Episode: 1. Nearly Half of American Households Have No Retirement Savings 2. How Much Do I Need To Save To Retire? 3. Are You On Track? 4. Retirement Insecurity 2024: Americans' View of Retirement Submit Your Questions To submit a listener question, visit our website, and enter the details of your question. Leave a Review Visit our website to leave a review on Apple Podcasts or Spotify. Disclaimer: All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss, and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, Ltd., a Registered Investment Advisory firm. The information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement. Learn more about CarsonAllaria Wealth Management at https://carsonallaria.com/ Invest Wiser & Retire Better!

    17 min

  4. FEB 28

    What Are Tariffs, and Will They Affect Me?

    Are tariffs about to hit your wallet and your investment portfolio? In this episode of Retirement Power Hour, Joe Allaria, CFP®, breaks down exactly what tariffs are, how they work, and most importantly—what they mean for your retirement savings and day-to-day expenses. From the latest moves by the U.S., China, Canada, and Mexico to expert opinions from PIMCO, Goldman Sachs, JP Morgan, and more, we’re giving you a balanced look at what’s happening and what it could mean for your financial future.  Check out our article on this topic: How Tariffs Could Impact Your Investments, Retirement, and Everyday Expenses If you enjoyed this episode, make sure to check out our podcast 2025 Stock Market Predictions https://youtu.be/S39zw8sMUqI Resources Mentioned in this Episode: -Trump suspends tariffs on small packages from China -Trump agrees to pause tariffs on Canada and Mexico but not on China -China's tit-for-tat tariffs on US take effect -What the U.S. Tariffs Mean for Investors -How Will Tariffs Affect Your Investments? -How investors looking for good returns can navigate Trump tariffs -Tariffs rattle stock markets, but what’s the long-term impact? -Tariffs on the rise: Implications for your portfolio -Trump tariffs will cost U.S. households $830 a year, study says -Trump's tariffs on Canada, Mexico, and China would cost the typical US household over $1,200 a year -What are tariffs and why is Trump using them? If you enjoyed this episode, make sure to check out our podcast 2025 Stock Market Predictions Submit Your Questions To submit a listener question, visit our website, and enter the details of your question. Leave a Review Visit https://www.retirementpowerhourpodcast.com/ to leave a review on Apple Podcasts or Spotify. Disclaimer: All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss, and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria & Jay Waters are Investment Adviser Representatives of CarsonAllaria Wealth Management, Ltd., a Registered Investment Advisory firm. The information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement. Learn more about CarsonAllaria Wealt

    19 min

  5. JAN 31

    2025 Stock Market Predictions

    In this new episode of the Retirement Power Hour, Joe Allaria, CFP®, & Jay Waters break down how financial "experts" consistently make incorrect market predictions. They highlight key misses from 2024, including false recession calls, incorrect volatility forecasts, and failed AI bubble predictions. The takeaway? Ignore the noise, focus on a strategy built around your personal financial plan, and invest wisely for the long term. If you enjoyed this episode, make sure to check out our podcast 2025 Contribution Limits Submit Your Questions To submit a listener question, visit our website, and enter the details of your question. Leave a Review Visit https://www.retirementpowerhourpodcast.com/ to leave a review on Apple Podcasts or Spotify. Disclaimer: All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss, and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria & Jay Waters are Investment Adviser Representatives of CarsonAllaria Wealth Management, Ltd., a Registered Investment Advisory firm. The information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement. Learn more about CarsonAllaria Wealth Management at https://carsonallaria.com/ Invest Wiser & Retire Better!

    27 min

  6. 12/24/2024

    2025 Contribution Limits

    Welcome to the Retirement Power Hour with Joe Allaria, CFP®. In episode 35, we break down the 2025 retirement contribution limits and key tax changes you need to know. Learn about updates to IRAs, Roth IRAs, 401(k)s, SIMPLE IRAs, and more—including the new provisions introduced by Secure Act 2.0. Key Topics Discussed: IRA and Roth IRA contribution limits and phase-outs New 401(k) and SIMPLE IRA catch-up provisions Changes to tax brackets, standard deductions, and Social Security wage base HSA contribution updates for 2025 If you enjoyed this episode, make sure to check out our podcast Whole Life Vs. Term Life Submit Your Questions To submit a listener question, visit our website, and enter the details of your question. Leave a Review Visit https://www.retirementpowerhourpodcast.com/ to leave a review on Apple Podcasts or Spotify. Disclaimer: All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, Ltd., a Registered Investment Advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement. Learn more about CarsonAllaria Wealth Management at https://carsonallaria.com/ Invest Wiser & Retire Better!

    11 min

  7. 11/27/2024

    Whole Life vs. Term Life

    In this episode, Joe Allaria, CFP®, and Jay Waters dive deep into the pros and cons of two popular types of life insurance: Term Life and Whole Life. While both offer unique benefits, choosing the right policy depends on your individual financial goals. Key Terms Discussed: -Term Life Insurance -Whole Life Insurance -The Cash Value Debate -Guaranteed Dividends -Buy Term, Invest the Rest Whether you’re new to life insurance or reassessing your coverage, this episode will help you understand the key differences between these two policies and give you the tools to make an informed decision. If you enjoyed this episode, make sure to check out our podcast How Much Life Insurance Do I Need? Submit Your Questions To submit a listener question, visit our website, and enter the details of your question. Leave a Review Visit https://www.retirementpowerhourpodcast.com/ to leave a review on Apple Podcasts or Spotify. Disclaimer: All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, Ltd., a Registered Investment Advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement. Learn more about CarsonAllaria Wealth Management at https://carsonallaria.com/ Invest Wiser & Retire Better!

    17 min

  8. 10/03/2024

    How Much Life Insurance Do I Need?

    Welcome to Retirement Power Hour! In Episode 33, host Joe Allaria, CFP®, discusses the key factors in determining how much life insurance you need. He covers important considerations like paying off mortgages, covering future expenses for children, and replacing income for a spouse, along with strategies for wealth transfer and estate tax planning. Joe also explains the difference between term and permanent life insurance, helping you decide what best suits your needs.    If you enjoyed this episode, make sure to check out our podcast Can I Retire with $1M at age 60? Submit Your Questions To submit a listener question, visit our website, and enter the details of your question.   Leave a Review Visit https://www.retirementpowerhourpodcast.com/ to leave a review on Apple Podcasts or Spotify.   Disclaimer: All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, Ltd., a Registered Investment Advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement. Learn more about CarsonAllaria Wealth Management at https://carsonallaria.com/ Invest Wiser & Retire Better!

    17 min
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5
out of 5
16 Ratings

About

Helping listeners within 5 years of retirement invest wiser and retire better, as we discuss key financial topics like investing, retirement planning, behavioral finance, taxes, Social Security, Medicare, and more.

Information

  • Creator
    Joe Allaria
  • Years Active
    2022 - 2025
  • Episodes
    40
  • Rating
    Clean
  • Copyright
    © 2025 The Retirement Power Hour
  • Show Website
    The Retirement Power Hour

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