Retirement Done Right w/ David & Pat

David Rath, CMT®, CFA® & Patrick Kalish, CFP®
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Retirement Done Right is the podcast for smart, proactive retirees and pre-retirees who want to maximize their wealth, time, and lifestyle. Hosted by David Rath, CMT, CFA and Patrick Kalish, CFP® from Continuum Wealth Advisors, LLC, this show dives deep into retirement planning, investing, Social Security strategies, tax-efficient withdrawals, healthcare costs, and more—so you can retire with confidence. Each episode delivers practical financial strategies, expert insights, and real-world advice to help you navigate the transition from career to retirement without stress. Whether you’re wondering how to create a reliable retirement paycheck, optimize your investments, or make the most of your golden years, Retirement Done Right has you covered. 🔹 New episodes every other week 🔹 Subscribe now to stay ahead on the latest retirement strategies🔹 Leave a review to help others find the show! Retirement isn’t the end—it’s just the beginning. Let’s make sure you do it right.

  1. FEB 20

    How 529s Can Be A Retirement Tool

    5 Key Takeaways: Flexibility is the Name of the Game: The fear of "overfunding" a 529 is gone. Unused education savings can now kickstart a child's (or your own) Roth IRA, providing a powerful head start on retirement.The 15-Year Rule is Critical: The 529 account must be open for at least 15 years before any conversions can occur. This is a long-term strategy, not a quick fix.Earned Income Requirement: The beneficiary must have earned income (from a job) equal to the amount being converted in that year, aligning with standard Roth IRA contribution rules.No Income Phase-Outs: This strategy works even if your income is too high to contribute directly to a Roth IRA—making it a powerful backdoor for high earners willing to plan decades ahead.The Power of Compounding: $35,000 invested at 7% growth over 30 years grows to over $250,000—and in a Roth IRA, those withdrawals can be completely tax-free in retirement.Follow Us YouTube LinkedIn Our Home Base Continuum Wealth Advisors Disclosure The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status, or investment horizon. You should consult your attorney or tax advisor. Continuum Wealth Advisors, LLC (“Continuum”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where Continuum and its representatives are properly licensed or exempt from licensure.

    8 min

  2. FEB 13

    Do "Set It & Forget It" Strategies Really Work?

    Q1: What does a "Set It and Forget It" investment strategy actually mean for retirees? A1: It means you determine an initial asset allocation, rebalance at standard intervals (quarterly or annually), and resist the urge to make emotional changes based on market noise or hot stock tips. Q2: Why do most investors underperform the very funds they're invested in? A2: It's called the "behavior gap." Investors tend to buy when markets are high (greed) and sell when markets are low (fear), leading to underperformance of 3-4% annually compared to the S&P 500. Q3: Can a purely passive strategy work for someone already in retirement? A3: Yes, it can work, but it requires immense emotional discipline. The bigger risk is the "sequence of returns risk"—a major market downturn early in retirement can permanently damage a portfolio's longevity. 5 Key Takeaways: The Behavior Gap is Real: Human emotions (greed and fear) are the biggest threat to a passive strategy. Investors who check their portfolios less frequently tend to do better.Sequence of Returns Risk Matters: Retiring into a bear market (like 2000 or 2008) requires an active strategy to manage withdrawals and protect your portfolio from being depleted too early.Change is Inevitable: Your personal life, tax situation, and global market dynamics change over decades. A strategy set in stone at 65 may not fit your life at 75 or 85.History is on Your Side (But Not a Guarantee): The S&P 500 has produced positive returns in roughly 75% of years since 1928, but there have been painful lost decades (2000-2010) where passive investors struggled.The Goal is Peace of Mind: The best investment strategy is one you can stick with through market cycles. For many, that means having a trusted co-pilot to navigate uncertainty so they can actually enjoy retirement.Continuum Wealth Advisors is a registered investment advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance. Follow Us YouTube LinkedIn Our Home Base Continuum Wealth Advisors Disclosure The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status, or investment horizon. You should consult your attorney or tax advisor. Continuum Wealth Advisors, LLC (“Continuum”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where Continuum and its representatives are properly licensed or exempt from licensure.

    4 min

  3. FEB 6

    (Legally) Avoiding the 10% Early Withdrawal Penalty

    Q1: Did you know there are 21 ways to avoid the 10% penalty for taking retirement money out before age 59 ½? A1: Yes, the IRS provides numerous exceptions to the early withdrawal penalty, with several designed for specific life events like buying a home, paying for college, or retiring early. Q2: What is the "Rule of 55," and how can it help you retire early? A2: If you leave your job in the year you turn 55 or older, you can access funds from that specific employer's 401(k) plan immediately without the 10% penalty—a powerful tool for early retirement. Q3: Can you really use IRA funds to buy a house or pay for college without a penalty? A3: Yes. You can withdraw up to $10,000 penalty-free from an IRA for a "first-time" home purchase (as the IRS generously defines it) and use IRA funds for qualified higher education expenses. 5 Key Takeaways: The Rule of 55 is a critical planning tool for early retirees, but it only works with your most recent employer's 401(k)—do NOT roll it into an IRA.Substantially Equal Periodic Payments (SEPP) allow penalty-free access at any age but lock you into a mandated, calculated withdrawal schedule for 5+ years with strict IRS rules.IRA Exceptions for Major Expenses: You can use IRA funds penalty-free for a first-time home purchase (up to $10k) and for qualified higher education expenses.Medical Expense Hardship: You can withdraw penalty-free for unreimbursed medical costs, but only the amount that exceeds 7.5% of your Adjusted Gross Income (AGI).Proceed with Extreme Caution: These are complex IRS provisions with permanent tax consequences. Always consult a qualified tax professional before making any early withdrawal.Follow Us YouTube LinkedIn Our Home Base Continuum Wealth Advisors Disclosure The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status, or investment horizon. You should consult your attorney or tax advisor. Continuum Wealth Advisors, LLC (“Continuum”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where Continuum and its representatives are properly licensed or exempt from licensure.

    6 min

  4. JAN 21

    What 2026 Markets Might Bring For Your Retirement

    Disclaimer: The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status or investment horizon. You should consult your attorney or tax advisor.  What should investors focus on in 2026? Analysis of 40 major outlooks highlights AI profitability as the year's central question. Key strategies include global diversification beyond expensive U.S. stocks and a renewed look at bonds. Major risks to watch are US-China tensions, credit conditions, and persistent uneven economic growth. The bottom line: focus on what you can control—your savings, spending, and a flexible financial plan. Follow Us YouTube LinkedIn Our Home Base Continuum Wealth Advisors Disclosure The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status, or investment horizon. You should consult your attorney or tax advisor. Continuum Wealth Advisors, LLC (“Continuum”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where Continuum and its representatives are properly licensed or exempt from licensure.

    14 min

  5. 12/23/2025

    3 Potential Red Flags In Your Retirement Portfolio

    This is for educational purposes only.  Key Takeaways: "A-Shares" mutual funds charge upfront commissions (often ~5%) and higher ongoing fees. Ask your advisor if a cheaper share class of the same fund is available to you.Annuities inside IRAs can be a red flag; you're paying for tax deferral within an already tax-deferred account. Always ask, "What specific benefit does this annuity provide me here?"Be wary of advisors placing you in their firm's proprietary funds. These can often underperform benchmarks while charging high fees due to institutional conflicts of interest.The essential question for any investment is: "What am I paying, and what am I receiving in return?" If the value isn't clear, seek a second opinion.These are "yellow flags," not automatic failures. They signal it's time to ask pointed questions and ensure your portfolio is working as hard as possible for you. Follow Us YouTube LinkedIn Our Home Base Continuum Wealth Advisors Disclosure The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status, or investment horizon. You should consult your attorney or tax advisor. Continuum Wealth Advisors, LLC (“Continuum”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where Continuum and its representatives are properly licensed or exempt from licensure.

    8 min

  6. 11/04/2025

    Questions You NEED To Ask Your Financial Advisor

    🔍 Financial Advisors; The Truth About Fees, Fiduciaries & Holistic Planning  In this revealing episode of Retirement Done Right, hosts Pat Kalish is joined by Andrew Heuss to pull back the curtain on the financial advisory industry. We expose what "fiduciary" really means, break down hidden fees, and reveal what TRUE holistic financial planning looks like. 🔹 Key Takeaways: ✅ Industry Evolution: From 1970s stockbrokers to modern holistic planners - how the advisor role has transformed ✅ Fee Transparency: The shocking truth about commissions, AUM fees, and hidden product costs that drain your returns ✅ Fiduciary Reality: Why everyone claims to be a fiduciary and how to spot the real deal ✅ Holistic Planning Defined: It's NOT just investments - discover the 8 key areas of true comprehensive planning ✅ Red Flags: 3 warning signs your advisor isn't working in your best interest ✅ Questions to Ask: The exact questions to vet any financial advisor before hiring them 🚨 3 RED FLAGS Your Financial Advisor Isn't Working For You: 1️⃣ They avoid talking about their fees & how they get paid 2️⃣ They push you to implement plans you don't fully understand 3️⃣ They try to sell you products in the first meeting #RetirementPlanning #MillionDollarRetirement #SocialSecurity #RetirementIncome #FinancialPlanning #RetirementGoals #WealthManagement #RetirementSavings #401k #RothIRA #RetirementTips #FinancialFreedom #financialplanning #financialeducation #financialadvisors Disclaimer: The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status or investment horizon. You should consult your attorney or tax advisor.  Continuum Wealth Advisors, LLC (“Continuum”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where Continuum and its representatives are properly licensed or exempt from licensure. Follow Us YouTube LinkedIn Our Home Base Continuum Wealth Advisors Disclosure The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status, or investment horizon. You should consult your attorney or tax advisor. Continuum Wealth Advisors, LLC (“Continuum”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where Continuum and its representatives are properly licensed or exempt from licensure.

    41 min

  7. 10/10/2025

    Is $1 Million Enough to Retire? The REAL Answer

    How much do you really need to retire? The classic $1 million benchmark is a starting point, but is it your finish line? In this episode of Retirement Done Right, hosts David Rath and Pat Kalish, moderated by Andrew Heuss, tear apart the one-size-fits-all retirement number to reveal the hidden factors that truly determine if your nest egg is sufficient. We dive deep into the questions you need to be asking, including: The Lifestyle Test: Why your retirement spending habits matter more than any magic number.The Tax Reality Check: The dramatic difference between having $1 million in a Roth IRA versus a Traditional IRA.Social Security Strategy: When it actually makes sense to claim early versus delaying benefits until 70.The Psychology of Spending: How to mentally prepare for the shift from saving your money to spending it down.Location, Location, Location: Why $1 million can feel like a fortune in Iowa but fall short in California.The Healthcare Wildcard: Planning for the one expense that can derail even the best-laid retirement plans.Featuring expert insight from Pat Kalish: *"$1 million isn't a destination—it's a starting point for conversation. The real question is: what lifestyle do you want, and does your plan support it through 30+ years of retirement?"* Tune in to move beyond the generic advice and get the real, nuanced answers you need to build a confident retirement. Disclaimer: This content is for educational purposes only and does not constitute financial advice. Consult a qualified financial professional before making any retirement decisions Follow Us YouTube LinkedIn Our Home Base Continuum Wealth Advisors Disclosure The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status, or investment horizon. You should consult your attorney or tax advisor. Continuum Wealth Advisors, LLC (“Continuum”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where Continuum and its representatives are properly licensed or exempt from licensure.

    38 min

  8. 09/12/2025

    5 Advanced Tax Tips To Create And Maintain A Low Tax Retirement

    In this episode of Retirement Done Right, hosts David Rath & Pat Kalish are joined by Sarah Dorsey, CPA, to uncover five powerful, lesser-known tax strategies that can save you thousands and help you keep more of your hard-earned money. 🔹 Key Strategies Covered: ✅ Box Spreads: How to generate cash-like yield taxed at capital gains rates (not ordinary income). ✅ Section 351 Exchanges: Diversify a highly concentrated stock position WITHOUT triggering a massive tax bill. ✅ Mega Backdoor Roth: Supercharge your retirement savings with up to $66,000+ in annual Roth contributions (yes, you read that right). ✅ Charitable Giving Advanced Tactics: How to use Donor-Advised Funds (DAFs), Charitable Remainder Trusts (CRTs), and Qualified Charitable Distributions (QCDs) to maximize deductions. ✅ Qualified Opportunity Zones (QOZs): Defer and potentially eliminate capital gains taxes by investing in distressed areas. 📢 Who Should Listen? • Investors with highly appreciated stocks or concentrated positions • High earners looking to maximize retirement savings beyond standard limits • Charitably inclined individuals wanting to optimize their tax impact • Anyone interested in sophisticated wealth preservation strategies Follow Us YouTube LinkedIn Our Home Base Continuum Wealth Advisors Disclosure The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status, or investment horizon. You should consult your attorney or tax advisor. Continuum Wealth Advisors, LLC (“Continuum”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where Continuum and its representatives are properly licensed or exempt from licensure.

    39 min
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About

Retirement Done Right is the podcast for smart, proactive retirees and pre-retirees who want to maximize their wealth, time, and lifestyle. Hosted by David Rath, CMT, CFA and Patrick Kalish, CFP® from Continuum Wealth Advisors, LLC, this show dives deep into retirement planning, investing, Social Security strategies, tax-efficient withdrawals, healthcare costs, and more—so you can retire with confidence. Each episode delivers practical financial strategies, expert insights, and real-world advice to help you navigate the transition from career to retirement without stress. Whether you’re wondering how to create a reliable retirement paycheck, optimize your investments, or make the most of your golden years, Retirement Done Right has you covered. 🔹 New episodes every other week 🔹 Subscribe now to stay ahead on the latest retirement strategies🔹 Leave a review to help others find the show! Retirement isn’t the end—it’s just the beginning. Let’s make sure you do it right.

Information

  • Creator
    David Rath, CMT®, CFA® & Patrick Kalish, CFP®
  • Years Active
    2023 - 2026
  • Episodes
    17
  • Rating
    Clean
  • Copyright
    © 2026 Retirement Done Right w/ David & Pat
  • Show Website
    Retirement Done Right w/ David & Pat