Decoding Retirement

In this episode of Decoding Retirement, America’s definitive voice on retirement, Robert 'Bob' Powell speaks with Nick Nefouse, Blackrock Head of LifePath, about how to unravel and understand common retirement misconceptions.

Find out everything you need to know about your time horizon, and why you shouldn't inundate yourself with short term news.

Retirement planning doesn’t mean locking up your money for a rainy day and forgetting about it. Planning your future means reacting to events today. Decoding Retirement gives you the tools to navigate the years ahead, and take action now! Each week, Robert 'Bob' Powell will dissect the big headlines, decode key themes, and unpack the possible domino effect for your money. When it comes to retirement planning, Robert Powell and Yahoo Finance will not let you fall behind!

Find this episode and more episodes of Decoding Retirement at https://finance.yahoo.com/videos/series/decoding-retirement.

Thoughts? Questions? Fan mail? Email us at [email protected].

:40 - Retirement misconceptions

4:10 - Planning choices in early retirement

6:40 - Organizing savings

12:30 - Investing in private assets

15:40 - Shifting asset allocation responsibility

19:00 - Encore careers

21:00 - Retirement complexities

Yahoo Finance's Decoding Retirement is hosted by Robert Powell, and produced by Austin Rivera.

Robert Powell holds several prominent positions within the financial industry. He serves as the editor-in-chief of the Investments and Wealth Institute's (IWI) Retirement Management Journal, the world's first peer-reviewed journal solely dedicated to retirement income. He also hosts the Exceptional Advisor podcast by IWI. Powell is both a Certified Financial Planner® and Retirement Management Adviser® certificant.

Nick Nefouse, CFA, Managing Director, is the Global Head of Retirement Solutions in BlackRock's Multi-Asset Strategies & Solutions (MASS) team and Head of LifePath, BlackRock's global target date fund franchise – helping millions around the world save and invest for retirement. 

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In this episode of Decoding Retirement, America’s definitive voice on retirement, Robert 'Bob' Powell speaks with Bill Bengen, "4% rule" Researcher/Author of "A Richer Retirement", about how to create retirement income plans.

Find out everything you need to know about the new and improved "4.7% rule".

Retirement planning doesn’t mean locking up your money for a rainy day and forgetting about it. Planning your future means reacting to events today. Decoding Retirement gives you the tools to navigate the years ahead, and take action now! Each week, Robert 'Bob' Powell will dissect the big headlines, decode key themes, and unpack the possible domino effect for your money. When it comes to retirement planning, Robert Powell and Yahoo Finance will not let you fall behind!

Find this episode and more episodes of Decoding Retirement at https://finance.yahoo.com/videos/series/decoding-retirement.

Thoughts? Questions? Fan mail? Email us at [email protected].

:50 - Retirement income plan

3:30 - Planning horizon

6:20 - Asset allocation

11:20 - Portfolio rebalancing

15:00 - Withdrawal timing

20:00 - Asset-liability matching

21:00 - Alternative retirement income

Yahoo Finance's Decoding Retirement is hosted by Robert Powell, and produced by Austin Rivera.

Robert Powell holds several prominent positions within the financial industry. He serves as the editor-in-chief of the Investments and Wealth Institute's (IWI) Retirement Management Journal, the world's first peer-reviewed journal solely dedicated to retirement income. He also hosts the Exceptional Advisor podcast by IWI. Powell is both a Certified Financial Planner® and Retirement Management Adviser® certificant.

William Bengen is a retired financial planning practitioner. In 1994, he pioneered safe withdrawal literature by studying a constant spending strategy. He introduced the popular 4% rule, later revised to 4.7%.

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In this episode of Decoding Retirement, America’s definitive voice on retirement, Robert 'Bob' Powell speaks with Olivia Mitchell, Professor at Wharton School at the University of Pennsylvania, to discuss how to deal with retirement regrets.

Find out everything you need to know about the imminent insolvency of the social security trust fund and more.

Retirement planning doesn’t mean locking up your money for a rainy day and forgetting about it. Planning your future means reacting to events today. Decoding Retirement gives you the tools to navigate the years ahead, and take action now! Each week, Robert 'Bob' Powell will dissect the big headlines, decode key themes, and unpack the possible domino effect for your money. When it comes to retirement planning, Robert Powell and Yahoo Finance will not let you fall behind!

Find this episode and more episodes of Decoding Retirement at https://finance.yahoo.com/videos/series/decoding-retirement.

Thoughts? Questions? Fan mail? Email us at [email protected].

:50 - The social security fairness act

2:50 - Social security facing insolvency

9:00 - Financial literacy

12:50 - Optimally positioning 529 plans

10:50 - How to allocate your money

16:40 - Retiring with debt

19:10 - The importance of financial advice

Yahoo Finance's Decoding Retirement is hosted by Robert Powell, and produced by Austin Rivera.

Robert Powell holds several prominent positions within the financial industry. He serves as the editor-in-chief of the Investments and Wealth Institute's (IWI) Retirement Management Journal, the world's first peer-reviewed journal solely dedicated to retirement income. He also hosts the Exceptional Advisor podcast by IWI. Powell is both a Certified Financial Planner® and Retirement Management Adviser® certificant.

Olivia S. Mitchell is an American economist and the International Foundation of Employee Benefit Plans Professor at The Wharton School of the University of Pennsylvania. Her interests focus on pensions and social security, and she is the executive director of the Pension Research Council, the oldest U.S. center devoted to scholarship and policy-relevant research on retirement security.

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In this episode of Decoding Retirement, America’s definitive voice on retirement, Robert 'Bob' Powell speaks with Steph Guild, Robinhood Senior Director of Investment Strategy, to discuss the many different factors to consider when creating and modifying your investment and saving strategy.

Find out everything you need to know about your time horizon, risk tolerance, and more.

Retirement planning doesn’t mean locking up your money for a rainy day and forgetting about it. Planning your future means reacting to events today. Decoding Retirement gives you the tools to navigate the years ahead, and take action now! Each week, Robert 'Bob' Powell will dissect the big headlines, decode key themes, and unpack the possible domino effect for your money. When it comes to retirement planning, Robert Powell and Yahoo Finance will not let you fall behind!

Find this episode and more episodes of Decoding Retirement at https://finance.yahoo.com/videos/series/decoding-retirement.

Thoughts? Questions? Fan mail? Email us at [email protected].

:40 - Balancing debt and saving

3:20 - Decoding time horizon

5:40 - Decoding risk tolerance

7:40 - Differentiating gambling and investing

10:50 - How to allocate your money

12:10 - Why it's important to save early

16:10 - How to balance competing demands

Yahoo Finance's Decoding Retirement is hosted by Robert Powell, and produced by Austin Rivera.

Robert Powell holds several prominent positions within the financial industry. He serves as the editor-in-chief of the Investments and Wealth Institute's (IWI) Retirement Management Journal, the world's first peer-reviewed journal solely dedicated to retirement income. He also hosts the Exceptional Advisor podcast by IWI. Powell is both a Certified Financial Planner® and Retirement Management Adviser® certificant.

Steph Guild is Head of Investment Strategy for Robinhood Financial. Prior to joining Robinhood, Steph spent 21 years within the financial services industry, most recently as a Managing Director and Investment Specialist at JPMorgan Private Bank. Steph’s previous experience at JPM includes working with institutional and intermediary clients in London and NY within the US Equity team, and as part of the broader client advisory team, both within JPMorgan Asset Management. Steph holds a BBA from James Madison University and is a CFA charterholder. She is registered with FINRA, holding Series 7, 63 and 24 licenses.

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In this episode of Decoding Retirement, America’s definitive voice on retirement, Robert 'Bob' Powell speaks with Jean Chatzky, HerMoney Podcast Host, to discuss the most recent statistics of retirement savers and why there are reasons to be optimistic.

Find out how auto enrollment and auto escalation are significantly helping individuals save for retirement in this week's episode of Decoding Retirement.

Retirement planning doesn’t mean locking up your money for a rainy day and forgetting about it. Planning your future means reacting to events today. Decoding Retirement gives you the tools to navigate the years ahead, and take action now! Each week, Robert 'Bob' Powell will dissect the big headlines, decode key themes, and unpack the possible domino effect for your money. When it comes to retirement planning, Robert Powell and Yahoo Finance will not let you fall behind!

Find this episode and more episodes of Decoding Retirement at https://finance.yahoo.com/videos/series/decoding-retirement.

Thoughts? Questions? Fan mail? Email us at [email protected].

1:00 - Real life retirement journeys survey

4:10 - Auto enrollment and auto escalation

7:10 - How much should you save for retirement?

9:25 - What accounts to use?

10:40 - Take advantage of workplace plans

13:10 - Retirement saving challenges

15:10 - Backwards budgeting

Yahoo Finance's Decoding Retirement is hosted by Robert Powell, and produced by Austin Rivera.

Robert Powell holds several prominent positions within the financial industry. He serves as the editor-in-chief of the Investments and Wealth Institute's (IWI) Retirement Management Journal, the world's first peer-reviewed journal solely dedicated to retirement income. He also hosts the Exceptional Advisor podcast by IWI. Powell is both a Certified Financial Planner® and Retirement Management Adviser® certificant.

Jean Sherman Chatzky is an American journalist, a personal finance columnist, financial editor of NBC’s TODAY show, AARP’s personal finance ambassador, and the founder and CEO of the multimedia company HerMoney.

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In this episode of Decoding Retirement, America’s definitive voice on retirement, Robert 'Bob' Powell speaks with Kerry Hannon, Yahoo Finance Senior Columnist, and Molly Moorehead, Yahoo Finance Personal Finance Editor, to discuss the Employee Retirement Income Security Act on its 50 year anniversary.

Find out everything you need to know about the law and how it affects modern day retirement planners.

Retirement planning doesn’t mean locking up your money for a rainy day and forgetting about it. Planning your future means reacting to events today. Decoding Retirement gives you the tools to navigate the years ahead, and take action now! Each week, Robert 'Bob' Powell will dissect the big headlines, decode key themes, and unpack the possible domino effect for your money. When it comes to retirement planning, Robert Powell and Yahoo Finance will not let you fall behind!

Find this episode and more episodes of Decoding Retirement at https://finance.yahoo.com/videos/series/decoding-retirement.

Thoughts? Questions? Fan mail? Email us at [email protected].

1:00 - The history of ERISA

2:10 - Creating a more stable system

3:15 - Decoding fiduciaries

5:20 - The successes of ERISA

11:15 - ERISA's impact on IRAs

13:25 - The retirement crisis

15:30 - Disadvantages of ERISA

Yahoo Finance's Decoding Retirement is hosted by Robert Powell, and produced by Austin Rivera.

Robert Powell holds several prominent positions within the financial industry. He serves as the editor-in-chief of the Investments and Wealth Institute's (IWI) Retirement Management Journal, the world's first peer-reviewed journal solely dedicated to retirement income. He also hosts the Exceptional Advisor podcast by IWI. Powell is both a Certified Financial Planner® and Retirement Management Adviser® certificant.

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In this episode of Decoding Retirement, America’s definitive voice on retirement, Robert 'Bob' Powell speaks with David Blanchett, Head of Retirement Research at PGIM DC Solutions, and Doug Boneparth, Bone fide Wealth President & Founder, to discuss investment risk over time, longevity risk, and how to prioritize different savings goals.

Find out why personal finance is personal and why you need to consider your circumstances before following through on an investment strategy.

Retirement planning doesn’t mean locking up your money for a rainy day and forgetting about it. Planning your future means reacting to events today. Decoding Retirement gives you the tools to navigate the years ahead, and take action now! Each week, Robert 'Bob' Powell will dissect the big headlines, decode key themes, and unpack the possible domino effect for your money. When it comes to retirement planning, Robert Powell and Yahoo Finance will not let you fall behind!

Find this episode and more episodes of Decoding Retirement at https://finance.yahoo.com/videos/series/decoding-retirement.

Thoughts? Questions? Fan mail? Email us at [email protected].

:40 - How to build an efficient portfolio

3:40 - The simplicity of target date funds

7:20 - Finding the best investment strategy for you

8:30 - Decoding longevity risk

11:40 - The impact of interest rates

14:20 - Why personal finance is personal

18:00 - How discuss finances with your partner

Yahoo Finance's Decoding Retirement is hosted by Robert Powell, and produced by Austin Rivera.

Robert Powell holds several prominent positions within the financial industry. He serves as the editor-in-chief of the Investments and Wealth Institute's (IWI) Retirement Management Journal, the world's first peer-reviewed journal solely dedicated to retirement income. He also hosts the Exceptional Advisor podcast by IWI. Powell is both a Certified Financial Planner® and Retirement Management Adviser® certificant.

David Blanchett, PhD, CFA, CFP®, is a Managing Director, Portfolio Manager and Head of Retirement Research for PGIM DC Solutions. Prior to joining PGIM, David was the Head of Retirement Research for Morningstar Investment Management LLC. He is currently an adjunct professor of wealth management at The American College of Financial Services and a Research Fellow for the Alliance for Lifetime Income. 

Douglas A. Boneparth is the President and founder of Bone Fide Wealth, LLC. Early in his career, he became one of the youngest CERTIFIED FINANCIAL PLANNER™ professionals in the country. He currently sits on the CNBC Financial Advisor Council. Along with his wife, he is the co-author of The Millennial Money Fix (Career Press, 2017). They also co-write The Joint Account, a money newsletter for couples.

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In this episode of Decoding Retirement, America’s definitive voice on retirement, Robert 'Bob' Powell speaks with Michael Conrath, Chief Retirement Strategist at J.P. Morgan Asset Management, to discuss the dwindling Social Security trust fund and what adjustments future retirees should make.

Social Security is scheduled to go away by 2034. What actions should retirement planners who may have been relying on payouts from the trust fund take? And what are some ways they can balance retirement savings with saving for education expenses?

Retirement planning doesn’t mean locking up your money for a rainy day and forgetting about it. Planning your future means reacting to events today. Decoding Retirement gives you the tools to navigate the years ahead, and take action now! Each week, Robert 'Bob' Powell will dissect the big headlines, decode key themes, and unpack the possible domino effect for your money. When it comes to retirement planning, Robert Powell and Yahoo Finance will not let you fall behind!

Find this episode and more episodes of Decoding Retirement at https://finance.yahoo.com/videos/series/decoding-retirement.

Thoughts? Questions? Fan mail? Email us at [email protected].

1:00 - The precarious social security situation

4:00 - The history of social security

5:30 - J.P. Morgan's guide to retirement

9:00 - The break-even analysis

11:00 - What age to claim social security?

14:20 - How to save for retirement and education

20:10 - Basing retirement on averages

Yahoo Finance's Decoding Retirement is hosted by Robert Powell, and produced by Austin Rivera.

Robert Powell holds several prominent positions within the financial industry. He serves as the editor-in-chief of the Investments and Wealth Institute's (IWI) Retirement Management Journal, the world's first peer-reviewed journal solely dedicated to retirement income. He also hosts the Exceptional Advisor podcast by IWI. Powell is both a Certified Financial Planner® and Retirement Management Adviser® certificant.

Michael Conrath, CFP, CPRC, is a Managing Director and the Chief Retirement Strategist for J.P. Morgan Asset Management. Michael is the Head of the Defined Contribution Investment Specialist Team and Head of the Retirement Insights Strategy Team. Michael is responsible for researching and delivering timely retirement-related insights to clients and financial professionals. Michael has over 25 years of investment and wealth management experience and focuses on identifying themes to improve retirement savings and deliver better retirement income outcomes for individuals across the wealth spectrum.

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In this episode of Decoding Retirement, America’s definitive voice on retirement, Robert 'Bob' Powell speaks with Laurie Rowley, Icon Savings Plan Founder & CEO, to discuss why the modern American workforce is in a retirement crisis.

The traditional 401(k) plan was established over 50 years ago. Why does it no longer work for the modern workforce? Laurie argues that the biggest issue is its portability. So what can Americans workers do and should they transition away from the traditional 401(k)?

Retirement planning doesn’t mean locking up your money for a rainy day and forgetting about it. Planning your future means reacting to events today. Decoding Retirement gives you the tools to navigate the years ahead, and take action now! Each week, Robert 'Bob' Powell will dissect the big headlines, decode key themes, and unpack the possible domino effect for your money. When it comes to retirement planning, Robert Powell and Yahoo Finance will not let you fall behind!

Find this episode and more episodes of Decoding Retirement at https://finance.yahoo.com/videos/series/decoding-retirement.

Thoughts? Questions? Fan mail? Email us at [email protected].

1:00 - Adapting to the modern workforce

4:00 - The history of worker retirement plans

5:30 - 401(k) rollovers

7:50 - 401(k) plan lost & found

12:15 - The retirement crisis

16:00 - Decoding state IRA programs

20:00 - The heart of the retirement issue

Yahoo Finance's Decoding Retirement is hosted by Robert Powell, and produced by Austin Rivera.

Robert Powell holds several prominent positions within the financial industry. He serves as the editor-in-chief of the Investments and Wealth Institute's (IWI) Retirement Management Journal, the world's first peer-reviewed journal solely dedicated to retirement income. He also hosts the Exceptional Advisor podcast by IWI. Powell is both a Certified Financial Planner® and Retirement Management Adviser® certificant.

Laurie Rowley is a social entrepreneur dedicated to building companies that improve financial security. She is Co-Founder and President of Icon, the country’s first universal retirement plan. She also is the founder of several successful companies including NARPP and N-Labs, where she still holds board positions. She has a background in behavioral finance and research having helped launch the Behavioral Finance Forum. She is widely regarded as an expert in financial decision making, human-centered design and strategy.

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In this episode of Decoding Retirement, America’s definitive voice on retirement, Robert 'Bob' Powell speaks with Frtiz Gilbert, Founder and Author of The Retirement Manifesto, to discuss the non-financial side of retirement.

The focus always seems to be on money and saving for retirement. But the truth is once you enter retirement, your thinking shifts away from money almost completely, as outlined by Fritz with his 90/10 rule. So how do you find purpose and identity once you've left your job for good?

Retirement planning doesn’t mean locking up your money for a rainy day and forgetting about it. Planning your future means reacting to events today. Decoding Retirement gives you the tools to navigate the years ahead, and take action now! Each week, Robert 'Bob' Powell will dissect the big headlines, decode key themes, and unpack the possible domino effect for your money. When it comes to retirement planning, Robert Powell and Yahoo Finance will not let you fall behind!

Find this episode and more episodes of Decoding Retirement at https://finance.yahoo.com/videos/series/decoding-retirement.

Thoughts? Questions? Fan mail? Email us at [email protected].

:40 - Retiring to vs. from something

1:50 - The 90/10 rule

3:40 - Finding a new identity in retirement

6:40 - Test driving retirement

9:15 - Track your spending

13:10 - Heed the advice of successful retirees

19:25 - Biggest surprises in retirement

Yahoo Finance's Decoding Retirement is hosted by Robert Powell, and produced by Austin Rivera.

Robert Powell holds several prominent positions within the financial industry. He serves as the editor-in-chief of the Investments and Wealth Institute's (IWI) Retirement Management Journal, the world's first peer-reviewed journal solely dedicated to retirement income. He also hosts the Exceptional Advisor podcast by IWI. Powell is both a Certified Financial Planner® and Retirement Management Adviser® certificant.

Fritz Gilbert retired after more than three decades in corporate America, where he progressed through the various levels of a multinational corporation serving the global aluminum industry. His award-winning blog, The Retirement Manifesto, is focused on helping people achieve a great retirement. Fritz and his wife, Jackie, live in a cabin in Blue Ridge, Georgia. Get more retirement advice on Twitter @RetireManifesto.

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