Build Enduring Wealth

Marco Lima, CFP®

Build Enduring Wealth is a weekly podcast hosted by Marco Lima, CFP®, featuring practical conversations on retirement planning, investing, tax strategies, Biblically Responsible Investing, and building long-term financial confidence. Every episode is designed to help you make smarter financial decisions because every financial decision is connected.

Episodes

  1. Sep 14

    The Survivor Paycheck Plan: Make Retirement Work for One, Too

    Many couples plan carefully for retirement as a team but never examine what happens financially when one spouse dies first. This episode helps listeners design a survivor-ready retirement plan without relying on fear or complicated forecasts. Marco uses a relatable couple scenario to show why the surviving spouse may face a sharp income reduction, changing tax rates, new healthcare costs, and unfamiliar financial responsibilities even when household spending does not fall by half. He then walks through three practical planning lenses: identify income sources that may disappear, stress-test the survivor’s essential expenses, and simplify the decisions, documents, and account structure the survivor may need to manage. Listeners will learn how Social Security, pensions, insurance, investments, and taxes can interact, while understanding that personal recommendations require individualized advice. The episode ends with a simple conversation-and-inventory exercise couples can complete this week to turn an uncomfortable topic into an act of care, stewardship, and enduring financial confidence.

  2. Sep 7

    The Financial Domino Test: Think Through Every Big Money Move

    Many financial mistakes begin with a reasonable decision made in isolation: retiring earlier, helping an adult child, changing an investment allocation, buying a second home, or increasing charitable giving. This episode introduces the Financial Domino Test, a simple three-question framework for evaluating major money decisions before acting. First, identify the decision’s real purpose and the life goal it supports. Second, trace its effects on cash flow, taxes, investment risk, insurance, and family responsibilities. Third, define a guardrail that protects the rest of the plan if circumstances change. Marco will use a relatable household scenario to show how one decision can create helpful momentum—or unintended pressure elsewhere. Listeners will learn how to slow down without becoming paralyzed, coordinate connected decisions, and make choices that reflect both financial priorities and personal values. The episode ends with a practical one-page exercise listeners can complete before their next major financial conversation.

  3. Aug 31

    The Retirement Income Floor: Match Essential Spending to Reliable Sources

    Retirement confidence is not created by chasing a single perfect portfolio. It begins with knowing which expenses must be funded every month and which goals can flex when markets or circumstances change. In this episode, Marco Lima, CFP®, introduces the retirement income floor: a practical framework for organizing spending into essential, important, and discretionary categories, then coordinating Social Security, pensions, portfolio withdrawals, cash reserves, and other resources around those priorities. Using a simple household example, he explains why funding necessities with a thoughtful mix of reliable income and appropriately managed assets can reduce emotional reactions to market volatility. Listeners will learn how to identify their income floor, recognize where flexibility belongs, and avoid treating every dollar of retirement spending as equally urgent. The episode concludes with a worksheet-style action step to begin mapping their own plan. This is educational information, not individualized investment, tax, or legal advice.

  4. Aug 24

    The Beneficiary Audit: The Financial Paperwork That Can Override Your Will

    Many families assume a current will guarantees their assets will reach the right people. But retirement accounts, life insurance policies, annuities, and certain bank or investment accounts may pass according to beneficiary designations instead. In this episode, Marco Lima, CFP®, explains how these overlooked instructions can quietly conflict with an otherwise thoughtful estate plan. Listeners will learn three practical checks: how to review primary and contingent beneficiaries, how account ownership and titling affect the transfer process, and how to coordinate beneficiary choices with family circumstances, charitable intentions, and a broader legacy plan. Through a relatable family scenario, Marco shows why a beneficiary review matters after marriage, divorce, birth, death, remarriage, or a significant change in financial priorities. The episode stays educational rather than personalized, giving listeners a simple inventory process and a clear next step they can complete this week. The goal is not complexity; it is alignment, so every financial decision supports the people and values that matter most.

  5. Aug 18

    The Three-Bucket Tax Map: Give Every Retirement Dollar a Job

    Many retirees think of their savings as one large pool of money, but the tax treatment of each account can make the same withdrawal worth very different amounts. This episode introduces a simple three-bucket tax map: taxable accounts, tax-deferred accounts such as traditional IRAs, and tax-free accounts such as Roth accounts. Marco explains how each bucket can serve a different purpose in a retirement income strategy, using a practical household example to show how withdrawal sequencing may affect taxes, flexibility, and future heirs. Listeners will also learn why required minimum distributions, charitable giving, Social Security timing, and long-term legacy goals should be considered together rather than handled in isolation. The goal is not to promise a perfect tax outcome or provide individualized tax advice, but to help listeners ask better questions and coordinate their decisions. By the end, they will have a clear starting point for organizing their accounts around income needs, tax awareness, and enduring financial confidence.

  6. Aug 17

    Retirement Rehearsal: Test Your Plan Before Your Paycheck Stops

    Retirement planning often focuses on projections decades into the future, but confidence grows when you practice the decision before making it. In this episode, Marco Lima, CFP®, introduces the retirement rehearsal: a structured way to test your future lifestyle while you still have time and earning power to adjust. Listeners will learn how to simulate their retirement spending, create a paycheck-like income system, and evaluate the nonfinancial side of retirement, including purpose, routines, and relationships. Using a relatable example of a couple approaching retirement, Marco explains how a rehearsal can uncover overlooked expenses, unrealistic assumptions, or an income plan that feels difficult to manage. The approach connects cash flow, investments, taxes, risk management, and personal values without promising certainty or requiring market predictions. By the end, listeners will have one practical exercise to complete this week and a clearer way to turn retirement anxiety into informed preparation.

  • 6 Episodes

About

Build Enduring Wealth is a weekly podcast hosted by Marco Lima, CFP®, featuring practical conversations on retirement planning, investing, tax strategies, Biblically Responsible Investing, and building long-term financial confidence. Every episode is designed to help you make smarter financial decisions because every financial decision is connected.

Information

  • Creator
    Marco Lima, CFP®
  • Years Active
    2026
  • Episodes
    6
  • Rating
    Clean
  • Copyright
    © 2026 All rights reserved.
  • Show Website
    Build Enduring Wealth