Ready For Retirement

By James Conole, CFP®

Ready For Retirement is the podcast dedicated to helping you learn the tips and strategies that will help you achieve your retirement goals. When it comes to retirement planning, it can quickly become... more

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The podcast currently has 387 episodes available.

Best of Ready For Retirement

The most played episodes among Podcast App listeners.

Number 1: $3M vs $2M in Retirement: Here’s What Changes
Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://learn.rootfinancial.com/6b74ff ======================= Andrew and Ellen are 62, sitting on 2 million dollars, and ready to walk away from work today. Then we ran one more scenario, and it changed the entire conversation. It's not really about how much you have. It's about what five more years of work actually buys you, and the number surprised even them. This video is that exact case study, numbers and all. We're going to cover: - why a 90 percent confidence retirement plan still wasn't the end of the conversation - the exact dollar amount that extra million dollars translates to every single month - the two hidden costs of retiring early that have nothing to do with your portfolio balance - why chasing the next million never actually satisfies, and where it stops - the three questions I'd ask anyone caught between more money and more time - a bonus strategy that only opens up once you actually retire -- Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial. Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
August 29, 202613min
Number 2: How To Invest Once You Retire
Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://learn.rootfinancial.com/9fc86c ======================= Your portfolio only had one job while you were working. The day you retire, it gets a second one, and almost nobody splits the money the right way between the two. I watched a client with three million dollars, all sitting in three stocks, get forced back to work after 2022. Those stocks have since fully recovered. It didn't matter. This is the exact framework I give every client before they retire, and the real math behind why "the market averages 12% a year" can still wreck a retirement. We're going to cover: the S&P 500's actual worst 12 month stretch over the last 50 years, and why that number should worry you more than the 12.1% average how a 7% withdrawal quietly turns into a 14% withdrawal without you changing a single thing why I told a client about to retire with three million dollars in three stocks to sell his winners, and why he couldn't bring himself to do it the way to slice your "safe money" into year one, year two, and year three buckets so each one is protected differently how to decide which part of your portfolio to actually spend from in a year like 2026, when tech is up 14% and small value stocks are up 22% -- Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial. Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
August 23, 202618min
Number 3: How Much Can You Spend With $2.5 Million In Retirement?
Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://learn.rootfinancial.com/0ce92d ======================= This is the question I get more than any other after 15 years of doing this: how much can you actually spend in retirement without running out of money? John and Tina are 60, sitting on two and a half million dollars, and ready to retire. They want to travel. They want to finally renovate the house. They just don't know if their portfolio can actually support it. This video is the exact numbers we ran for them, and what we found changed how much they thought they could spend. We're going to cover: - the withdrawal rate in year one that looks dangerously high, until you see what happens to it seven years later - why their tax bill was basically zero for the first few years of retirement, and the mistake that would have cost them thousands if we hadn't caught it - the extra $40,000 a year we found room for without touching their core lifestyle at all - the one risk that could unravel their entire plan in the first seven years, and how we stress tested for it - how we restructured their portfolio so a market crash doesn't force them to sell at the worst possible time -- Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial. Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
August 15, 202615min
Number 4: 19 Unsexy Habits That Lead to a Great Retirement
Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://learn.rootfinancial.com/ad021b ======================= I've spent 15 years watching retirees blow up decades of saving with decisions that felt harmless in the moment. Not big mistakes. Small ones, repeated for years, that quietly cost people hundreds of thousands of dollars. The retirees who actually get it right aren't the smartest investors or the biggest savers. They just do the same boring things, over and over, starting years before anyone tells them to. This video is 19 of those habits, in the order that actually matters. We're going to cover: - the "tax torpedo" that turns a 12% withdrawal into a 22% one, and why almost nobody checks for it before pulling from their IRA - why I tell clients to start living on their retirement number a full year before they retire, and what usually happens when they try - the marathon analogy that explains why the biggest Roth conversion mistake isn't doing one, it's doing it all at once - the letter I tell every client to write for their spouse, and why not writing it is one of the cruelest things you can leave behind - the trip booking trick that costs you nothing and forces your family to actually follow through - the conversation with your adult children, or your parents, that most people avoid until it's too late -- Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial. Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
August 08, 202624min
Number 5: Every Retirement Withdrawal Strategy RANKED (Worst to Best)
Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://youtu.be/7lpp3XXiDyQ ======================= You probably think the way you'll pull money out of retirement is a solid, sensible plan. There's a good chance you're wrong. Most people default to one withdrawal strategy without ever comparing it to the others. But this is the decision that determines how much stress you carry every time the market drops, and how much you actually get to spend over the next 20 to 30 years. I ranked the five most common withdrawal strategies, from my least favorite to my favorite, and one of them includes something Bill Bengen himself told me that changes the whole conversation. We're going to cover: - the strategy that lets you pull $57,000 a year from a million dollar portfolio, and the catch that makes it a bad idea for most people - why living off dividends alone quietly wrecks the one thing your portfolio is supposed to have - what I actually think about annuities after watching people get sold the wrong one over and over again - what the creator of the 4% rule told me directly that most retirees have never heard - the approach I rank number one, and why it can mean tens of thousands more per year without taking on more risk -- Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial. Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
August 01, 202618min