Budgeting isn’t about restriction—it’s about intention. In this episode, Ryan Zacharczyk, CFP®, and Zane Belcak share how a clear spending plan and drawdown strategy can transform fear into confidence, helping retirees enjoy the life they’ve worked for without worrying about running out of money.

Plus, explore our Detailed Budget Template to put these strategies into practice.

In this episode of the Retirement GPS Podcast, Ryan Zacharczyk, CFP®, and Zane Belcak dive into the first GPS component—Goal Setting. They explain why defining your vision for retirement is the essential first step, and how Zynergy’s G.O.D.S. Framework (Goals, Opportunities, Dangers, Strengths) helps turn vague ideas into a clear, prioritized life plan. Listeners will learn how to set short-, mid-, and long-term goals that reflect their values and create the foundation for every financial decision that follows. Be sure to view our corresponding Goal Setting Supplement attached!

In the debut episode of the Retirement GPS Podcast, Ryan Zacharczyk, CFP®, and Zane Belcak introduce their 10-part Goal-Based Planning System (GPS) and share how integrating finances, lifestyle, and purpose can create a confident, fulfilling retirement.