The Retirement Reality Report

Marc Linsky
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  • UPDATED WEEKLY

As a certified financial planner for 35 years, Marc Linsky has been helping clients to and through the retirement process. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy.

  1. 14H AGO

    Why High Interest Rates May Open a New Retirement Window

    Are higher interest rates actually creating opportunities retirees shouldn’t ignore? In this episode, Marc and Dylan Linsky discuss how today’s rate environment is reshaping conversations around fixed income, including CDs, bonds, money markets, and fixed annuities. They break down why the 10-year Treasury remains elevated, how protected growth fits into a retirement plan, and the key differences between fixed and variable annuities. The discussion also covers common situations retirees face after locking in low rates years ago—and why understanding current options matters as rates begin to shift.   To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com   As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy. See omnystudio.com/listener for privacy information.

    12 min

  2. APR 28

    When a Roth Conversion Can Create an Unexpected Tax Problem

    A Roth conversion can look smart on paper—but done at the wrong time, it can quietly raise your tax bill. In this episode, David and Dylan Linsky explain why Roth conversions require careful coordination with retirement income, tax brackets, and Medicare premium rules. Using real‑world examples, they break down how timing, dollar amounts, and overlooked thresholds like IRMAA can significantly change outcomes. The discussion highlights both cautionary scenarios and properly structured strategies, emphasizing why Roth conversions should be evaluated within the full context of a retirement tax plan—not as a one‑size‑fits‑all move. To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy. See omnystudio.com/listener for privacy information.

    11 min

  3. APR 21

    What Market Volatility Reveals About Retirement Income Planning

    When markets are volatile, the way your retirement income is structured matters more than ever. In this episode, Marc and David Linsky break down how different income sources, investment “buckets,” and purposeful asset allocation can work together in retirement. Using simple analogies and real‑world examples, they explain the difference between phase one (accumulation) and phase two (distribution) planning, why liquidity and protection matter, and how selling assets at the wrong time can impact long‑term stability. The discussion highlights the importance of defining income gaps, assigning roles to retirement dollars, and building flexibility into an income strategy during uncertain markets. To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com   As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy. See omnystudio.com/listener for privacy information.

    17 min

  4. APR 14

    Why the First Year of Retirement Sets the Tone

    Most people plan harder for vacations than they do for retirement—and that mindset shows up fast once the paychecks stop. In this episode, Marc and Dylan LInsky break down why the first years of retirement are so critical and how spending habits, income gaps, and lack of structure can create unnecessary stress. The conversation explores spending plans versus budgets, managing income gaps, liquidity needs, taxation of income sources, and why early retirement decisions often set the tone for everything that follows. This episode focuses on preparing for life after work with clarity instead of panic planning.   To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com   As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy. See omnystudio.com/listener for privacy information.

    15 min

  5. APR 7

    How to Avoid Fake Financial Advice Online

    Anyone can look like a financial expert online—but how do you know who to trust with your retirement savings? In this episode, the conversation centers on how retirees can protect themselves from misleading advice and unqualified influencers posing as financial professionals. Using real-world examples, Marc and Dylan Linsky break down how to check credentials, spot red flags, and understand the difference between planning-based guidance and product-driven pitches. The focus is on accountability, qualifications, and why due diligence matters before making major retirement decisions. To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com   As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy. See omnystudio.com/listener for privacy information.

    11 min

  6. MAR 31

    AI, Market Volatility, and Retirement: What Changes—and What Doesn’t

    Market volatility, AI headlines, and nonstop uncertainty can make retirement planning feel like a constant balancing act. In this episode, Dylan and David Linsky unpack how disruptive trends like artificial intelligence fit into a long-term investment approach—especially for those nearing or already in retirement. They discuss dollar-cost averaging, shifting from accumulation to distribution, and how reinvesting interest and dividends can help maintain a disciplined strategy even after paychecks stop. The conversation focuses on perspective, purpose, and aligning investments with different phases of retirement.   To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com   As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy. See omnystudio.com/listener for privacy information.

    11 min

  7. MAR 24

    The Retirement Windows You Don’t Want to Miss

    Miss a retirement window, and the opportunity may be gone for good. In this episode, David Linsky breaks down key ages and timing decisions that can shape retirement outcomes, from pension elections to IRA rollovers and Roth conversion strategies. The conversation highlights why the years between retirement and required minimum distributions matter, how Medicare IRMAA can complicate tax moves, and why popular strategies don’t work the same for everyone. It’s a practical discussion focused on timing, coordination, and understanding how one decision can ripple into taxes and healthcare costs later.   To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com   As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy. See omnystudio.com/listener for privacy information.

    12 min

  8. MAR 17

    Political Risk and the Retirement Income Problem

    When headlines move markets overnight, how should retirees think about political risk? David and Dylan Linsky unpack how sudden political events can impact retirement portfolios—and why distribution strategy matters more than allocation alone. The episode explores market volatility, income planning in retirement, and the risks of selling investments at the wrong time. Through real‑world examples, the conversation highlights how defining the role of each dollar can help retirees navigate uncertainty while maintaining their standard of living.   To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com   As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy. See omnystudio.com/listener for privacy information.

    12 min
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Ratings & Reviews

5
out of 5
3 Ratings

About

As a certified financial planner for 35 years, Marc Linsky has been helping clients to and through the retirement process. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy.

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