Retirement Answer Man

By Roger Whitney, CFP®, CIMA®, RMA, CPWA®, AIF®

Business Investing Careers

What's Retirement Answer Man about?

A top retirement podcast. Roger Whitney, CFP®, CIMA®, CPWA®, RMA, AIF® guides you on how to actually do retirement well financially and personally. This retirement podcast isn't afraid to talk about the softer side of retirement. It will teach you how to retire with confidence. Two-time PLUTUS winner for best retirement podcast / blog and the 2019 winner for best financial planner blog. This retirement podcast covers how to create a paycheck, medicare, healthcare, Social Security, tax management in retirement as well as retirement travel and other non-financial issues you'll need to address to rock retirement. Retirement isn’t an age OR a financial number. It’s finding that balance between living well today and feeling confident about your retirement. It’s about gaining more freedom to pursue the life you want. Join the rock retirement community at www.rogerwhitney.com

4.5

598 ratings

Download our free app to listen on your phone

LAST EPISODE

Important Retirement Number...

12.06.2023

The way does not exist–there is no one correct way to do things. We are all finding our own ways in life and retirement. Working with an agile structure will help give you the scaffolding to create a retirement plan ...

Retirement Answer Man episodes:

12.06.2023 Important Retirement Numbers for 2024 The way does not exist–there is no one correct way to do things. We are all finding our own ways in life and retirement. Working with an agile structure will help give you the scaffolding to create a retirement plan ...
11.29.2023 How Do I Refill My Retirement Income Floor? Have you been wondering what you’re supposed to do when it comes to refilling your retirement income buckets? So has Michael. In this episode, I’ll go into further detail about how to do that. Stay tuned for the answer to ...
11.22.2023 My Retirement Planner Said No to a Report Request. What Should I Do? What would you do if your retirement planner said no when you asked them for a report? I’ll address this question and many more on this episode of the Retirement Answer Man Show. We’ll also discuss the two things you ...
11.15.2023 Should I Consolidate My Accounts in Retirement? If you have different retirement accounts at various brokerage firms, you may wonder whether you should consolidate them. One listener asked me that very question today. I’ll answer it along with several others–don’t miss the one about my finance book ...
11.08.2023 How Should I Pay Taxes on My Roth Conversions? “You do not rise to the level of your goals; you fall to the level of your systems.” James Clear I’ve been focusing on building up my systems lately and today I’ll provide you with an example of what that ...
11.01.2023 Should I Continue to Own Bond Funds? Bonds are a ubiquitous part of a balanced portfolio and in recent years bond funds have become even more attractive to many investors. However, due to rising interest rates, bond funds are now losing their appeal. One listener asks whether ...
10.25.2023 Wisdom for Our Children - Spending, Saving, and Investing We often try to overcomplicate finances, but simplicity is the key. That’s not to say simplistic: simple doesn’t equal simplistic. On this episode, we wrap up our Wisdom for Our Children series by exploring your advice for spending, saving, and ...
10.18.2023 Wisdom for Our Children - Family and Friends Your family and friends are the people you walk life with, so it is important to choose wisely. In this episode of our Wisdom for Our Children series, Nichole joins me to reflect on what the younger generation should keep ...
10.11.2023 Wisdom for Our Children - Career and Retirement This month, as we meander through the different parts of life we are stopping to reflect on certain areas to pass on wisdom to our children. In this episode of the Retirement Answer Man Nichole Mills joins me to discuss ...
10.05.2023 Wisdom for Our Children - Energy and Mindset It is commonly said that youth is wasted on the young. Do you ever wish you could share the wisdom and perspective you have gained with someone young enough to benefit from it? As we approach our sunset years, many ...
09.27.2023 Should I Stop Contributing to My Pre-Tax Accounts? What is the difference between a passion and an interest? Why is it important to have a passion in retirement? In the Bring It On segment with Mark Ross, we’re discussing passions. You’ve probably heard that it is important to ...
09.20.2023 What Is the Ideal Mix Between Before and After Tax Retirement Accounts? Is there an ideal mix of before and after-tax retirement accounts? If so, what is it? In this episode, we’ll find out. We’ll also explore a number of other questions that have been eating away at listeners like you. Check ...
09.13.2023 What Should I Consider When Transferring Investment Accounts? What are you doing to make friends in retirement? Mark Ross and I explore this challenge in our Bring It On segment. Listen in to hear how I made a new friend this week and stick around to hear the ...
09.06.2023 Should I Borrow Against My Investments to Buy a House? Did you know that there is another way to borrow money to purchase a home that is not a mortgage? Larry is thinking about using a securities-based line of credit against his after-tax investment account to borrow to buy a ...
08.30.2023 Should I Realign My 401K Now That I’m Retired? To really rock retirement you have to have the right mindset. On this episode of Retirement Answer Man, Kevin Lyles and I noodle on the power of wonder. You’ll learn why it is important to have a sense of wonder ...
08.24.2023 Historical vs. Projected Returns? Should you use historical or projected returns in your retirement model? One of our listeners asks this question in a very eloquent way. On this episode of Retirement Answer Man, I’ll spend some time on this question and share my ...
08.16.2023 500 Episodes and Still Rocking Thank you for hanging in with me for 500 episodes! Today’s episode will veer a bit from the norm as I pause to reflect on our journey and commemorate it with this milestone episode. Listen in to hear my reflections ...
08.09.2023 #499 - Should I Do a Roth Conversion? Do you think the Roth conversion question is an essential part of retirement planning? If you do, you haven’t been paying attention to my podcasts! In this episode of the Retirement Answer Man show, we’ll work through how you can ...
08.02.2023 The Impact of Alcohol on Rocking Retirement Are you much of a drinker? Studies show that 60% of Americans are, and an even greater percentage of college-educated Americans are. In this episode, Dr. Bobby Dubois and I reflect on the effects of alcohol on retirement. We’ll get ...
07.26.2023 The Rules for Roth Withdrawals After listening to the past two episodes you now know how to make Roth contributions and conversions, that was the easy part. Today we discuss the more complicated Roth rules for making withdrawals. To avoid unnecessary penalties and taxes you’ll ...
07.19.2023 The Rules for Roth Conversions Many of us have missed the boat on Roth contributions, but we have another tool to get into Roths: Roth conversions. If you have been curious about all the hype about Roths you won’t want to miss this series. This ...
07.12.2023 The Rules for Roth Contributions So many economic predictions for the year have proved incorrect. Since even the brightest economists don’t have a crystal ball, planning your retirement based on economic, market, or investment predictions can lead you astray. Instead of basing your retirement plan ...
07.05.2023 The Roth Opportunity If you’ve been wondering how Roth IRAs work in retirement you’ve come to the right place. All this month we’ll be exploring Roth IRAs–how they work, the 5-year rule, and the differences between Roth conversions and contributions and Roth IRAs ...
06.28.2023 How Can I Reverse Taking Social Security? There are so many questions that come with retirement which is why I focus on answering questions from listeners like you. As you listen to these questions and their answers consider how they fit into your ultimate objective. Listen in ...
06.21.2023 The KISS Concept for Investing This podcast was created for you–not me. I’m here to help you think differently about retirement and find a concept or tool that will help you take action to rock retirement. I do this by answering your questions and bringing ...
06.14.2023 How Listener Mike is Finding His Purpose in Retirement The oldest person is 120 years old, but they probably didn’t have a plan to live that long. Many people don’t have a plan for the decades between 60 and 120. Do you? In this episode of the Retirement Answer ...
06.07.2023 How Does the 5-Year Rule Work for Roth Conversions? “If you are looking for someone to believe in, believe in yourself. The only authentic authority is your own original nature.” Vernon Howard Are you ready to start believing in yourself enough to rock retirement? If you have been following ...
06.01.2023 The 8 Pillars of Rocking Retirement: Non-Financial - Passion and Relationships It’s time to wrap up the eight retirement pillars with the final two non-financial pillars: passion and relationships. In this episode, you’ll learn why happy people always have projects and what you can do to get started building your own ...
05.24.2023 The 8 Pillars of Rocking Retirement: Non-Financial - Energy and Mindset Rocking retirement requires focusing on both the financial and non-financial aspects of retirement. In the previous two episodes we explored the four financial areas that help build a rocking retirement, and today, we begin to examine the non-financial areas starting ...
05.17.2023 The 8 Pillars of Rocking Retirement: Financial - Resilience and Optimization Rocking retirement requires getting your financial and nonfinancial ducks in a row. As we work through the 8 pillars of rocking retirement this month, we’ll explore both the financial and non-financial elements of retirement. This week, we’re reviewing the resilience ...
05.10.2023 The 8 Pillars of Rocking Retirement: Financial - Vision and Feasibility If you don't know where you are going any path will get you there. This is why it is so important to have a vision of where you want to go–you don’t want to end up anywhere! This series is ...
05.03.2023 The 8 Pillars of Rocking Retirement: How to Build a Retirement You Can Rock This month we’re heading back to basics. All month long we’ll be building your foundational understanding of how to create a rocking retirement. If you’re new to the show, this is a fantastic starting point. If you are a long-time ...
04.26.2023 How Should Spouses Claim Their Social Security Benefits? How will Social Security benefits fit into your retirement equation? If you have a spouse, there is an added level of complexity when considering your Social Security claiming strategy. We explore this topic and more through listener questions on today’s ...
04.19.2023 What Retirement Planning Software Should I Use? If you are thinking about retiring in the next few years you’re probably wondering what the best tools are to help you plan. Finding the right retirement planning software can not only help you plan retirement but help put your ...
04.12.2023 How Do I Report a QCD on My Income Tax Return? We continue our focus on you this month as we dive deeper into listener questions. Today we have a range of questions from various aspects of the retirement process. If you have a question you want to be answered, head ...
04.05.2023 I’m in My Fifties and Got Laid Off. What Should I Do? All month long, I’ll be answering fantastic questions from listeners like you. Today, we’ll explore the steps you should take if you’re in your 50s and get laid off. Have you ever thought about what you would do in this ...
03.29.2023 Widowed in Retirement: Wisdom from Those on the Journey Reimagining life after widowhood can be challenging. In the beginning, it may seem like something that is impossible to imagine. Even if life seems insurmountable at the beginning, it is crucial to remember that someday you will be able to ...
03.22.2023 Widowed in Retirement: Creating a New You Nobody wants to face life as a widow or widower. However, it is an unfortunate reality that many must face. Successfully navigating widowhood could be easier if you could prepare yourself in advance. In this Widowed in Retirement series, we ...
03.15.2023 Widowed in Retirement: Navigating Financial Changes If you are married, chances are you or your spouse will have to suffer through widowhood. The Widowed in Retirement series aims to help you navigate this difficult transition as best you can. Today, Mark Trautman joins me again to ...
03.08.2023 Widowed in Retirement: Navigating Life Changes Even though it is difficult to think about it, at some point, those of us who are married will have to think about one of you transitioning from two to one. This week we’re exploring the nonfinancial impacts of this ...
03.01.2023 How to Rock Retirement on Your Own If you have been listening to this show for a while, chances are you already know how to rock your retirement. However, this can all change with the loss of a spouse. All of your best-laid plans change in an ...
02.22.2023 Should I Rebalance My Portfolio Now? Life is what happens to us when we are busy making other plans. This is especially true during transitions. As I transition to adding a new segment to this show, it’s gotten a bit messy. It’s been a bumpy road ...
02.15.2023 What are Brokered CDs and How Do They Work? Do you ever feel like a curmudgeon when you hear about new technology? Listen in to find out what has me putting on my sourpuss hat this week. We have a variety of interesting listener questions this week. Listen in ...
02.08.2023 How Is Deferred Compensation Taxed When I Receive It? Recently, we had the finale of the Retirement Plan Live series, so I want to share my observations on what we can all learn from Rosie’s experience. There was a lot to unpack from Rosie’s plan. Before we get to ...
02.01.2023 How Do I Calculate the Decreased Social Security Benefit If I Retire Early? I’m excited about our newest segment, Bring It On with Kevin Lyles. The Bring It On segment will discuss mindset and other non-financial aspects of retirement. In addition to our newest segment, today you’ll hear about the books I read ...
01.25.2023 Retirement Plan Live: The Impact of the Bear Market Retirement can be tricky. There are so many unknowns, so preparing yourself mentally can be a challenge. Mental toughness is the ability to remain positive and proactive in the most adverse situations. Our Retirement Plan Live volunteer, Rosie, is having ...
01.18.2023 Retirement Plan Live: Their Financial Resources Take a breath, check yourself, and then observe where things are at. That’s what Rosie and I are doing on this episode of Retirement Plan Live. After the last episode in which Rosie planned out all her hopes and dreams ...
01.11.2023 Retirement Plan Live 2023: Their Goals for Rocking Retirement Setting big goals is great, but they have to be the right goals or else they could become a trap. Rosie joins us again today to set her retirement goals. In this episode, you’ll hear her financial goals for her ...
01.04.2023 Retirement Plan Live: Meet Rosie and Dwayne Rosie and Dwayne retired in a bear market and now they wonder if they will have enough money to rock retirement. We will explore that question all month long in this Retirement Plan Live. Over the course of the next ...
12.28.2022 Should I Take My Pension Lump Sum Now or Wait? This is our last episode of 2022, so naturally, there will be a bit of reflection alongside the practical planning and your listener questions. Kevin Lyles also joins me in the Coach’s Corner to discuss living your best life in ...

Older episodes