Ironclad Retirement

Bestselling Author and Retirement Planning Expert, Matt Richman explore's the difference between inheritance and legacy. They discuss giving while living, funding experiences like trips and milestones, modeling wise money behavior, and starting traditions that can last for generations. Matt highlights how a written retirement plan frees you to be present instead of preoccupied.

Bestselling Author and Retirement Planning Expert, Matt Richman, gives a high-level overview of the SECURE Act and SECURE Act 2.0, focusing on practical implications instead of tax-code jargon. He covers new RMD ages, the 10-year rule for most inherited IRAs, expanded Roth features at work, and the powerful new ability to roll some unused 529 plan funds into a Roth IRA for the beneficiary.

Bestselling Author and Retirement Planning Expert, Matt Richman, shares how most inheritances in the U.S. are gone within about 18 months and explains why leaving large qualified (pre-tax) accounts to children can be one of the costliest ways to pass on wealth. He contrasts IRA/401(k) money with brokerage assets that get a step-up in basis and shows how to structure withdrawals and beneficiaries more intelligently.

Bestselling Author and Retirement Planning Expert, Matt Richman, explains that many retirees unintentionally spend huge chunks of their “golden years” managing accounts, bills, taxes, RMDs, Medicare choices, and paperwork. He shows how to outsource low-value tasks and build systems around income, RMDs, and Medicare so you can focus on memories and experiences instead of money chores. He unpacks what it really means to “optimize for experiences” in retirement. They talk about delegating yard work and other tasks, automating income flows, and working with specialists (decumulation, tax, Medicare, Social Security) so your time is freed up for grandkids, travel, hobbies, and meaningful giving.

Bestselling Author and Retirement Planning Expert, Matt Richman, breaks down the three jobs of retirement money—liquidity, growth, and safety of principal—and explains why no single account reliably delivers all three at once. Listeners will learn how common vehicles trade strengths: investment accounts provide access and growth potential but risk principal, savings and checking accounts keep money safe and accessible but generate minimal growth, and options like CDs or indexed retirement tools protect principal and add growth upside while limiting full access. The conversation shows how a bucket strategy spreads money into clear, purposeful segments, ties decisions to personal “whys,” and keeps planning simple enough to act on without stalling. If you want a plan you can understand, trust, and execute, this episode lays the foundation.

Bestselling Author and Retirement Planning Expert, Matt Richman, unpacks “The Retirement Deception,” the dangerous assumption that you can keep doing in retirement what you did during your working years with your 401(k) and investments. Using a simple car analogy, they explain why accumulation and decumulation require different “vehicles,” how sequence of returns risk can wreck your plans, and why locking in your lifestyle with guaranteed income comes first. Once that foundation is in place, market money becomes true “play money” instead of a threat to your standard of living.

In this episode, Bestselling Author and Retirement Planning Expert, Matt Richman and Michael DeLon unpack the mental shift from decades of accumulation to the decumulation phase of retirement. They explore the real risks retirees face—longevity, markets, inflation, and long-term care—and show how a personalized income plan can turn fear into freedom so you actually enjoy the time you worked so hard to earn.

Bestselling Author and Retirement Planning Expert, Matt Richman, shares the benefits of giving during your lifetime instead of waiting until you pass away. Giving is not just financial.... Listen to this episode and you'll gain a new vision of generosity so you can be giving while you're living.

Bestselling Author and Retirement Planning Expert, Matt Richman, shares the strategy of deciding when to begin taking your Social Security benefits. There are many factors involved that you need to consider so that you can gain the greatest benefit in the short term and long term.

Bestselling Author and Retirement Planning Expert, Matt Richman, shares the truth about long-term care planning. Statistically, this will happen to 70% of people over 65 in some form. This is a must-listen-to episode so that you can prepare for the future properly.