Retirement Road Podcast

Paul Rizzo
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  • Investing

The Retirement Road with Paul Rizzo helps you make smarter retirement decisions with clarity and confidence. Hosted by Paul Rizzo of Rizzo Financial Group, the podcast covers income planning, Social Security, taxes, longevity, and avoiding costly retirement mistakes—without hype or one-size-fits-all advice.

Episodes

  1. Feb 5

    Retirement Planning After 75: Health, Taxes, and Legacy

    Welcome to the Retirement Road Podcast with Paul Rizzo of Rizzo Financial. In today's episode, Paul breaks down the often-overlooked Slow-Go Years of retirement—typically ages 75–85—when priorities shift toward health, stability, and family planning. You'll learn what changes during this phase, what decisions matter most, and how to structure your plan so your money (and your legacy) stay on track. Main Points Discussed Why retirement needs a big-picture roadmap, not a "GPS turn-by-turn" approach What the Slow-Go Years are (years 11–20 of retirement, roughly ages 75–85) and what typically changes physically and emotionally Portfolio mindset shift: moving away from "home runs" toward steady singles and doubles Why this stage often brings deeper focus on: Health and movement (walking, resistance training, staying active) Relationships and family involvement Long-term care planning: Why the best time to plan is often late 50s to early 60s Traditional long-term care insurance challenges (rising premiums, fewer carriers) Newer approaches like life insurance with long-term care riders Real-world perspective: caregiving, memory care, and why planning can reduce strain on family Required Minimum Distributions (RMDs): What they are and why the IRS requires them When they begin (age 73) Why they can create taxable income even when you don't need the money Roth planning concepts: Why Roth accounts can reduce future tax pressure and avoid RMD issues How Roth conversions work (and why timing matters) Mention of "backdoor Roth" strategies as an option in certain situations Estate planning and legacy: Why trusts can add control and flexibility that a will can't How planning helps avoid leaving your kids "a mess" Listen to the full episode here: 👉 https://retirementroadpodcast.libsyn.com/ If you found this helpful, subscribe to the Retirement Road Podcast on Spotify, Apple Podcasts, or wherever you listen—and share this episode with someone who's in or approaching the Slow-Go Years.

    22 min

  2. Feb 5

    The Four Stages of Retirement: Packing, Go-Go, Slow-Go, No-Go

    Welcome to the Retirement Road Podcast with Paul Rizzo of Rizzo Financial. In today's episode, Paul walks through his four-stage framework for retirement—using the analogy of a road trip to make retirement planning clearer, more practical, and easier to act on. From defining what you want to do in retirement to protecting your income and legacy, this episode gives you a roadmap for the journey ahead. Main Points Discussed Why retirement should be approached like a road trip with distinct phases—not a single date on the calendar Packing Phase (10 years before retirement): Clarify what you want retirement to look like Estimate income needs to fund that lifestyle Build a checklist and plan for the unexpected Why the best retirement plans start with questions, not products—what matters to you is the foundation Why one-size-fits-all models can miss the real goal (personalized planning and risk tolerance) Go-Go Years (first 10 years of retirement): The lifestyle transition—more time, more freedom, more spending risk Why budgeting matters most early on Social Security and Medicare decisions often show up here The non-financial retirement transition: identity, purpose, relationships, and adjusting to being together more Slow-Go Years (years 11–20): health becomes a bigger focus, travel slows, relationships become central No-Go Years (20+ years into retirement): preserving assets, estate planning, avoiding leaving "a mess" for your kids, legacy planning Why progress beats perfection: start early, adjust as life changes, and keep the plan updated Listen to the full episode here: 👉 https://retirementroadpodcast.libsyn.com/ If you enjoyed this episode, subscribe to the Retirement Road Podcast on your favorite platform so you don't miss future conversations—and share it with someone who's planning for retirement.

    26 min

  3. Feb 5

    Sequence of Returns Risk: The Retirement Threat You Can't Ignore

    Welcome back to the Retirement Road Podcast with Paul Rizzo of Rizzo Financial. In this episode, Paul tackles the biggest question retirees ask: "Will my money last?" From lifestyle planning to market volatility, inflation, and smarter diversification, this conversation is a practical guide to building confidence in your retirement income strategy.   Main Points Discussed Why the fear of running out of money is so common—and why it starts with clarifying your retirement lifestyle goals "Start with the end in mind": reverse-engineering the plan based on how you want retirement to look How market volatility affects retirees differently than pre-retirees—and why a written plan changes your decision-making Why the traditional 60/40 (stocks/bonds) approach has struggled during high inflation and rising interest rates How adding alternatives (real estate, commodities, gold, hedge fund-style strategies) can hedge risk when used properly Gold: why it can grow as a store of value, but also why it can become overweighted and needs rebalancing The 4% rule and how it ties into retirement withdrawals (plus why it's been debated over time) Sequence of returns risk explained with a clear example: two retirees with the same savings can end up in completely different positions based on timing Budgeting realities: separating needs vs. wants, avoiding debt, and navigating overspending surprises (RVs, large gifts to family, big purchases) Why regular reviews (semi-annual or quarterly) help catch off-plan decisions early and keep retirement on track Listen to the full episode here: 👉 https://retirementroadpodcast.libsyn.com/ If you found this helpful, subscribe to the Retirement Road Podcast on your favorite platform so you never miss an episode—and share it with someone who's planning for retirement.

    25 min

  4. Feb 4

    Your Retirement Roadmap: Understanding the Phases of Retirement

    Retirement isn't one single event—it's a journey with multiple phases, each requiring a different kind of planning. In this episode, Paul Rizzo breaks down the four stages of retirement and explains how preparing for both the financial and non-financial aspects can help create a more confident and fulfilling retirement. In this episode of the Retirement Road Podcast, Paul Rizzo of Rizzo Financial sits down with Kim Minard to explore the four stages of retirement. Drawing from decades of experience, Paul explains how retirement is more than just saving money—it's about planning for lifestyle changes, income needs, relationships, and legacy at every phase of the journey. Main Points Discussed The Packing Phase: Why defining what you want your retirement to look like is the foundation of a successful plan How to estimate income needs and build a checklist before retirement begins The Go-Go Years: Managing spending, lifestyle transitions, and emotional shifts in the first 10 years of retirement Why non-financial planning—purpose, hobbies, relationships—is often overlooked The Slow-Go Years: Shifting priorities toward health, relationships, and long-term care planning The No-Go Years: Preserving assets, estate planning, and passing wealth efficiently to the next generation Why personalized planning beats one-size-fits-all retirement models   Listen to this episode of the Retirement Road Podcast on your favorite podcast platform: 👉 https://retirementroadpodcast.libsyn.com/ If you found this episode helpful, be sure to subscribe for future episodes and share it with someone who's planning their own retirement journey.

    20 min

  5. Feb 3

    Retirement Road: Why I Started This Podcast (and What You Can Expect)

    Welcome to the first episode of Retirement Road with Paul Rizzo! In this conversation, Paul shares his journey from growing up in a hardworking immigrant family to becoming a financial advisor with over 30 years of experience. You'll learn why he created this podcast, what you can expect from future episodes, and the foundational principles he believes everyone should know before retiring.   Main Points Discussed Paul's personal backstory—growing up in a family living paycheck to paycheck The role his father's Chrysler pension played in creating long-term financial security Why consistent, reliable income is the foundation of peace of mind in retirement How most people unknowingly lack a plan—and the consequences of "winging it" 3 major retirement challenges: lack of financial confidence, not having a plan, and fear of running out of money Misconceptions around retirement timing, inflation, taxes, and longevity The purpose of the Retirement Road platform—to provide accessible, practical resources for every phase of the retirement journey The importance of getting clarity on your goals, values, and vision for retirement Real-life stories that illustrate why working with a planner makes the journey smoother   Don't forget to subscribe for future episodes that guide you down the road to a smarter, more secure retirement.

    20 min
  • 5 Episodes

About

The Retirement Road with Paul Rizzo helps you make smarter retirement decisions with clarity and confidence. Hosted by Paul Rizzo of Rizzo Financial Group, the podcast covers income planning, Social Security, taxes, longevity, and avoiding costly retirement mistakes—without hype or one-size-fits-all advice.

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