What if living too long became your biggest financial fear? In this episode of the Retirement Roundtable, John Scallan breaks down three powerful tools to turn your savings into lifetime income—no matter how long you live. From MIGAs to FIAs with income riders, learn how to build your own pension and protect against market downturns while keeping liquidity for emergencies. Whether you're nearing retirement or already there, this episode offers clarity on creating income you can count on.

For more information, please visit www.CypressFinancial.net!

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What if one dollar could cost you thousands in retirement? In this episode of Retirement Roundtable, John Scallan tackles the emotional side of financial planning and the real risks retirees face—from Social Security cuts to the hidden Medicare surcharge known as IRMAA. He breaks down urgent tax-saving opportunities for those aged 60–63 and explains why planning five years ahead can make all the difference. If you're nearing retirement, this episode is a must-listen.

For more information, please visit www.CypressFinancial.net!

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Think you’ve got time to plan for retirement? Think again. In this episode, John Scallan breaks down how procrastination, hidden 401(k) fees, and misunderstood annuities can quietly sabotage your financial future. From time optimists to costly investment missteps, learn why waiting could cost you thousands—and how to take action now. Whether you're just starting or already retired, this conversation offers practical strategies to build income that lasts and protect your legacy.

For more information, please visit www.CypressFinancial.net!

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What if outdated fears are keeping you from the best retirement tools available today? In this episode, John Scallan breaks down the evolution of annuities, the role of index funds, and why guaranteed income is more critical than ever. From the “golden age of annuities” to dynamic income strategies that span 30+ years, this conversation is packed with practical insights for anyone approaching retirement. Plus, a candid look at how Social Security, inflation, and longevity are reshaping the retirement landscape.

For more information, please visit www.CypressFinancial.net!

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Can timing the market really beat a smart plan? In this episode, John Scallan breaks down why chasing perfect moments can cost you—and how strategic models can protect your retirement. From Roth conversions to hidden costs like healthcare and family emergencies, John shares actionable insights to help you preserve assets and build income. Plus, hear thoughts on financial expert Ed Slott, inheritance strategies, and why retirement planning is more like gardening than a one-time fix.

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What if your biggest retirement mistake was trying to time the market? In this episode, John Scallan of Cypress Financial breaks down why emotional investing can cost you—and how strategic planning can save you. From Roth IRA conversions and inherited wealth to hidden retirement costs like healthcare and taxes, John shares practical advice for building income that lasts. Plus, a reminder that retirement plans, like gardens, need regular care and updates to thrive.

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What’s worse than running out of money in retirement? Regretting the life you didn’t live. In this episode, John Scallan explores how to balance smart saving with guilt-free spending—so you don’t end up like Agnes, who saved every penny but missed out on life. From bucket list dreams to bond strategies and hidden fees, he covers how to plan with purpose, protect your future, and still enjoy the ride.

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This week on The Retirement Roundtable, John Scallan discusses the critical importance of planning for retirement, emphasizing that many people spend more time planning vacations than their financial futures. He addresses the current economic climate, including the national debt and its implications for investment strategies, particularly regarding bonds. The conversation also covers the uncertainties surrounding Social Security and the necessity for younger generations to build their retirement plans independently. John highlights the importance of seeking a second opinion on financial plans, especially during market volatility, and discusses the emotional aspects of transitioning into retirement, including finding purpose and maintaining social connections.

For more information, please visit www.CypressFinancial.net!

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This week on The Retirement Roundtable, John Scallan discusses the various roles of financial advisors, including wealth managers and income planners, and emphasizes the importance of income in retirement. He addresses common misconceptions about retirement savings targets, the complexities of taxes in retirement, and highlights frequent mistakes people make in their retirement planning. The conversation also touches on the management of debt as individuals approach retirement, advocating for personalized planning to ensure financial security.

For more information, please visit www.CypressFinancial.net!

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In this episode of The Retirement Round Table, John Scallan discusses various aspects of retirement planning, including the importance of stress testing financial portfolios, navigating market volatility, and building reliable income strategies. He emphasizes the need for modern financial tools and the dangers of outdated strategies, providing listeners with insights on how to effectively prepare for retirement.

For more information, please visit www.CypressFinancial.net!

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