Saving With Silverman

Are you making these five essential moves to keep your retirement plan on track? Retirement investing gets a lot harder when every headline, hot investment, or recent market move starts competing for your attention. Today, Mark breaks down five principles designed to keep your financial decisions grounded in a longer-term perspective. Because when the stakes get higher, a few simple rules can help keep you from becoming your own worst enemy

Here’s what we discuss in today’s show:

📊 Compare investments using the right benchmark

⏳ Give long-term strategies enough time

⚠️ Avoid chasing returns near retirement

🔍 Make sure fees are transparent

🧺 Diversify beyond a few investments

🎯 Keep decisions aligned with your goals

Want to get in touch with Mark? 

Web:

https://silverman-associates.com/home

Email:

[email protected]

Phone:

520.512.8832

Not every misleading financial statement is an outright lie, but that does not make it harmless. Mark breaks down several common claims investors hear and explains why the full story is often more complicated. He also shares how transparency and personalized guidance can help you make more informed decisions. Would you recognize a financial red flag before it costs you?

Here’s what we discuss in today’s show:

🚩 Misleading Advice: Question claims that sound overly certain

💵 Fee Transparency: Know exactly what you are paying

⚖️ Risk and Return: Lower risk usually limits potential growth

🧾 Retirement Taxes: Tax rates may not drop significantly

⏱️ Market Timing: Staying invested often beats constant guessing

Want to get in touch with Mark? 

Web:

https://silverman-associates.com/home

Email:

[email protected]

Phone:

520.512.8832

Retirement can be one of life’s most rewarding chapters, but it can also unravel quickly without the right mindset and preparation. Mark highlights several common ways people unintentionally make retirement harder than it needs to be. He explains why a successful retirement requires more than simply leaving work behind. Are your current assumptions setting you up for freedom, or frustration?

Here’s what we discuss in today’s show:

🧭 Retirement Mindset: Treat retirement as a new chapter

💸 Spending Reality: Retirement costs may remain surprisingly high

🏃 Stay Active: Movement supports a healthier retirement

📉 Investment Risk: Portfolios should evolve with age

🔄 Plan Flexibility: Financial plans need regular adjustments

Want to get in touch with Mark? 

Web:

https://silverman-associates.com/home

Email:

[email protected]

Phone:

520.512.8832

Financial planning should never leave one spouse in the dark. In this episode, Mark explains why both partners need to understand the plan, know who to call, and feel comfortable asking questions. He also shares why pressure-driven sales tactics can create serious financial problems later. Is your household prepared for the day one spouse must manage everything alone?

Here’s what we discuss in today’s show:

👥 Shared Planning: Both spouses should stay actively involved

🕯️ Widowhood Risks: Financial unfamiliarity creates added vulnerability

🗣️ Ask Questions: Every investment carries important tradeoffs

🧭 Advice First: Planning should come before product sales

🚩 Sales Pressure: High-pressure recommendations deserve immediate caution

Want to get in touch with Mark? 

Web:

https://silverman-associates.com/home

Email:

[email protected]

Phone:

520.512.8832

Risk management is not about avoiding every financial risk. It is about understanding which risks are worth taking, which ones could threaten your goals, and how that balance should change as you move through different stages of life.

In this episode, Mark explores how retirement decisions evolve from your 30s and 40s through the transition into retirement. He also considers why a financial plan should connect today’s decisions with the income and flexibility you may need later.

Here’s what we discuss in today’s show:

🌱 Early Investing: Younger investors have more recovery time

⚖️ Saving Balance: Prepare for retirement without neglecting today

📊 Age-Based Strategy: Adjust investments as your timeline changes

🏁 Retirement Planning: Shift from accumulation toward income needs

🔄 Withdrawal Order: Choose accounts with taxes and timing in mind

Want to get in touch with Mark? 

Web:

https://silverman-associates.com/home

Email:

[email protected]

Phone:

520.512.8832

Misconceptions about retirement can have a major impact on your financial future. In this episode, Mark tackles some of the most common retirement myths, including the belief that reaching a certain savings number guarantees retirement. You’ll also learn why having a realistic and personalized income strategy is the key to retiring with confidence.

Here’s what we discuss in today’s show:

❌ Retirement Myths: Common assumptions that aren't true

📈 Inflation & Taxes: Planning beyond today's dollars

🏡 Lifestyle Expectations: Retirement spending realities

🎯 Realistic Planning: Building a retirement that works

☎️ Take the First Step: Why planning can't wait

Want to get in touch with Mark? 

Web:

https://silverman-associates.com/home

Email:

[email protected]

Phone:

520.512.8832

Finding the right financial advisor isn't just about investment returns; it's about finding someone who understands your goals, communicates clearly, and earns your trust. Mark explains why great financial planning starts with listening instead of selling. Learn what questions every investor should ask before choosing an advisor. If you're wondering whether your current advisor is truly working in your best interest, today’s episode gives you a framework to test it.

Here’s what we discuss in today’s show:

🧠 Money & Emotions: Financial decisions are deeply personal

❓ Asking Better Questions: Understanding your financial story

📋 Customized Planning: No cookie-cutter financial advice

💬 Honest Communication: Transparency builds confidence

💰 Advisor Compensation: Know how your advisor gets paid

🏆 Long-Term Relationships: Trust grows over time

Want to get in touch with Mark? 

Web:

https://silverman-associates.com/home

Email:

[email protected]

Phone:

520.512.8832

Life rarely follows a straight line. New jobs, layoffs, inheritances, health challenges, and the loss of a spouse can dramatically change your financial picture, often when you're least prepared for it. Mark discusses several major life transitions that should prompt a financial review and explains the key decisions that often arise during these moments.  Having a process in place can help you avoid costly mistakes when life changes unexpectedly.

Here’s what we discuss in today’s show:

💼 New Job: Reviewing benefits, savings, and goals

🚪 Layoff or Termination: Evaluating options and next steps

💰 Inheritance: Avoiding taxes and costly mistakes

🏥 Medical Challenges: Preparing for income disruptions

❤️ Loss of a Spouse: Navigating financial decisions together

📋 Comprehensive Planning: Looking beyond investment products

Want to get in touch with Mark? 

Web:

https://silverman-associates.com/home

Email:

[email protected]

Phone:

520.512.8832

Every investor hopes they'll stay calm during a market downturn. History suggests otherwise. Today, Mark explores some of the most significant "Black Swan" events in modern financial history and explains what investors can learn from each event. While no one can predict when the next Black Swan event will arrive, having a thoughtful financial plan can help you navigate uncertainty with confidence and avoid costly mistakes when fear takes over.

Here’s what we discuss in today’s show:

📉 Market History: Lessons from major downturns

🏙️ 9/11 Impact: Uncertainty and market reactions

🏠 2008 Crisis: Housing collapse and recovery

😷 Pandemic Panic: Why staying invested mattered

🎯 Future Planning: Preparing for the unexpected

Want to get in touch with Mark? 

Web:

https://silverman-associates.com/home

Email:

[email protected]

Phone:

520.512.8832

It’s a Mailbag episode, and Mark’s tackling three real questions from listeners. He shares straightforward guidance designed to help you think through common concerns, so you can make more confident choices with your money. Different situations, same goal: making smart decisions that hold up over time.

Here’s what we discuss in today’s show:

🏦 Loan vs Gift: Put agreements in writing to avoid tax and family issues

🔄 401(k) Rollover: More control and flexibility outside your employer plan

💍 Wedding Planning: Start early with a dedicated savings account

⚖️ Fairness Matters: Think through long-term impact on family dynamics

Submit your question: https://silverman-associates.com/radio

Want to get in touch with Mark? 

Web:

https://silverman-associates.com/home

Email:

[email protected]

Phone:

520.512.8832