Episode 13: Measuring Risk
🎙️ With Foguth Financial Advisors Alex Pushman & Ken Voog

Understanding how much risk you're actually taking—and how much you should be taking—is essential as you approach retirement. In this episode, host Alex Pushman sits down with Ken Voog, lead advisor at Foguth Financial’s Troy office, to break down the real-world risks many retirees unknowingly face.

Together, they explore:

• How to find yourself on the “risk spectrum”
• Why your investments might not match your risk tolerance
• The importance of adjusting risk as you transition into retirement

Plus, Ken shares the personal story of how a childhood experience with a failed investment shaped his philosophy around risk management today. Whether you're already retired or preparing for it, this episode will help you align your financial strategy with your true comfort level.

📊 Education. Clarity. Peace of mind.
 Tune in and learn how to measure what matters most.

Episode 12 – Chasing Shadows in Retirement
🎙 Real World Retirement Podcast with Alex Pushman & Nick Calvaneso

In this eye-opening episode, host and Foguth Financial advisor Alex Pushman sits down with fellow advisor Nick Calvaneso to unpack one of the most important questions facing today’s retirees: Are you following outdated retirement rules that no longer apply?

From Social Security timing to tax planning and legacy strategies, Alex and Nick challenge the conventional thinking many retirees follow just because “that’s how it’s always been done.” They reveal how to avoid “chasing shadows” by verifying whether your retirement strategy actually aligns with your unique goals—and why treating each part of the plan in a silo could cost you in the long run.

You’ll learn:
 ✅ Why “full retirement age” isn’t always the right time to take Social Security
 ✅ The hidden tax traps that can reduce your income
 ✅ Why the 70%-80% income replacement rule might be a myth
 ✅ How to build a personalized plan for your real-world retirement

🎧 Tune in now to rethink your approach and bring clarity to your financial future.

Episode 11 – First Principles of Investing | Real World Retirement Podcast

In this episode of Real World Retirement, host Alexander Pushman sits down with Foguth Financial advisor Leyland Lindie for a wide-ranging conversation that blends bold real-life stories with a fresh take on financial planning.

Leyland shares an unforgettable moment from early in his career—when a client confidently wired $1 million to “buy the market” at the height of the COVID panic in April 2020. While the world was melting down, this client was calmly executing a strategy prepared well in advance. The story highlights the power of preparation and having a trusted advisor who understands the bigger picture.

From there, the conversation dives into Leyland's contrarian approach to financial planning using “first principles thinking”—a problem-solving mindset rooted in engineering. Instead of following the status quo or conventional advice, Leyland explains how breaking down each element of a financial plan to its core truths can lead to more customized, confident decisions.

Whether you’re new to planning or looking for a deeper philosophy behind the numbers, this episode will challenge your assumptions and help you think more intentionally about your future.

👉 Tune in now to hear why rethinking the rules—and the timing—could be the smartest move you make.

Episode 10 – The ABCs of Long-Term Care | Real World Retirement Podcast

In this episode of Real World Retirement, host Alexander Pushman welcomes special guest and fellow Foguth Financial advisor, Charlie Dillon, to unpack the complex world of long-term care planning.

From traditional insurance policies to modern hybrid solutions and self-funding strategies, Charlie shares the “ABCs” of long-term care:

• A – Traditional Long-Term Care: The pros, cons, and the often-overlooked fine print.
• B – Alternative Solutions: Creative options that blend protection with flexibility, including annuities and life insurance riders.
• C – Self-Funding: When and how it might make sense to use your own resources instead of purchasing coverage.

Along the way, Charlie shares a powerful personal story about how his grandfather sparked his interest in finance, and both advisors emphasize why proactive planning is essential—because 70% of people over 65 will need some form of care.

Whether you’re navigating policies, wondering how to protect your retirement, or just starting to plan, this episode will help you better understand what options exist and what to watch out for.

👉 Listen in to learn how to make confident, informed choices about your future care needs—before you or your loved ones are in crisis.

Episode 9 : Estate Planning in Retirement

In this powerful and eye-opening episode of Real World Retirement, host Alex Pushman is joined by fellow Foguth Financial Group senior advisor Caleb Marsh to tackle one of the most overlooked — yet absolutely critical — components of retirement planning: estate planning.

Alex and Caleb dive deep into why avoiding probate should be a top priority for retirees, how a properly structured trust can provide control even after you’re gone, and the common pitfalls that can leave families in legal and emotional chaos. Caleb shares personal stories that sparked his passion for helping families avoid financial heartache, and the two advisors offer actionable advice on building the right team — from ethical attorneys to trustworthy CPAs — to safeguard your legacy.

Whether you’re just starting to think about estate planning or you're deep into retirement, this episode is filled with real-life insights and expert guidance that can save your family time, stress, and money.

👉 Have questions? Want help vetting an estate planner or just unsure if your plan is solid? Reach out — there are no bad questions when it comes to protecting your legacy.

Episode 8: Peace and Purpose – The Journey

In Episode 8 of Real World Retirement, host Alex Pushman sits down with fellow advisor Sheila Maloney for a heartfelt and eye-opening conversation on creating peace and purpose throughout your retirement journey. Sheila shares a powerful real-life case study of a couple who went from financial uncertainty to a future filled with confidence, control, and legacy planning—all thanks to a proactive approach.

They explore what it really means to find peace in your plan: not just knowing your retirement income is secure, but also building a tax-efficient strategy and establishing a legacy that truly impacts future generations. From distribution and investment plans to Roth conversions and education accounts for grandkids, this episode is packed with actionable insights for families who want more than just a retirement—they want purpose.

Whether you're five years from retirement or already in it, this episode will inspire you to think long-term, act early, and engage with a team that’s truly invested in your future.

🎧 Listen in to learn:

• How to create peace and purpose through proactive financial planning
• Why legacy planning isn’t just for the ultra-wealthy
• The surprising ways taxes can impact your future—and how to get ahead of them
• How one couple turned worry into generational wealth

💬 Like what you hear? Follow, subscribe, and reach out—your journey starts with one conversation.

Episode 7: Mastering Market Emotions – Real World Retirement Podcast

In Episode 7 of the Real World Retirement Podcast, host Alex Pushman welcomes senior advisor Nate Rodhe to discuss one of the most critical aspects of financial planning—managing emotions during market fluctuations. With nearly two decades of experience, Nate shares his journey from law school to financial planning and how the 2008 financial crisis reshaped his approach to investment strategy.

Alex and Nate dive deep into the two primary emotional drivers in investing—fear and greed. Through real client case studies, they highlight the costly mistakes investors make when emotions dictate financial decisions, including the impact of fear-driven sell-offs and the importance of having a well-structured income strategy. They also outline practical solutions, including the three essential pools of assets—emergency funds, growth investments, and preservation strategies—to help retirees maintain financial confidence.

If you're approaching retirement or simply want to improve your investment discipline, this episode provides actionable insights to help you navigate market volatility with a clear, strategic plan. Don’t miss this engaging and informative conversation packed with real-world advice!

Episode 6: Social Security Hacks - Real World Retirement Podcast

In Episode 6 of the Real World Retirement podcast, host Alex Pushman sits down with Foguth Financial Advisor and certified Social Security expert Bradley Vey. Brad holds the prestigious National Social Security Advisor (NSSA) certification — a distinction held by less than 1% of advisors in Michigan. In this episode, Brad shares how he became passionate about helping people navigate the complexities of Social Security, including a heartwarming case study where his expertise changed a client’s life. They explore why so many advisors avoid Social Security planning, how Brad’s background in financial services shaped his approach, and the critical benefits most retirees overlook. Whether you're nearing retirement or just starting to think about it, this episode is packed with valuable insights that could make a big difference in your financial future.

Episode 5: The Four Seasons of Investing – Real World Retirement Podcast

In this episode of Real World Retirement, host and Foguth Financial advisor Alex Pushman sits down with fellow advisor Joe Wilkinson to discuss The Four Seasons of Retirement—the key financial stages from early earning years to legacy planning. Joe shares his personal journey into financial advising, inspired by his own family's challenges, and offers real-world strategies for navigating each stage of retirement.

They also dive into a powerful case study of a family facing an unexpected financial crossroads and how the right planning brought peace of mind during a difficult time. Whether you're just starting to think about retirement or are already there, this episode is packed with insights that can help you make smarter financial decisions.

🎧 Stream now on Spotify, Apple Podcasts, and YouTube!

Retirement comes with rules and risks—do you know how to navigate them? 🤔

In this episode of Real World Retirement, host Alex Pushman sits down with fellow Foguth Financial advisor Kevin Beazley to break down the myths, pitfalls, and essential strategies you need to know for a successful retirement.

✅ The importance of understanding Social Security
✅ How a single phone call saved one widow $700/month 💰
✅ Why required minimum distributions (RMDs) can be a hidden tax trap

This is a must-listen for anyone planning their retirement or helping a loved one through it. Don't leave your future to chance—get the facts now!

📺 YouTube: https://www.youtube.com/playlist?list=PLNDWl2V2RGI7KPlFAPy7Lk3toaV_z6eIm
🎧 Spotify: https://open.spotify.com/show/4AhOXl0R3Dpmi79RNYXi5E
🎧 Apple Podcast:https://podcasts.apple.com/us/podcast/real-world-retirement-podcast/id1789828342

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