Paul invites Jim from the Goodlettsville office onto the show, and the two get into a conversation about strategies for paying yourself in retirement. Jim brings up a very popular pitch people hear as they near retirement: moving your money into short, medium, and long-term “buckets” that allow your income to be engaged in various levels of risk based on how long it will be before you need the money. While this sounds like a solid plan, it really becomes an opportunity to engage in more than one plan at a time, introduces new risk into your portfolio, and gives advisors opportunities to sell products like annuities. Later in the episode, Paul and Jim talk about an article that claims that because traditional concepts like retiring at 65 years old are no longer held, other concepts, like the 4% rule, don’t apply either. 

Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Today, Paul invites attorney Parker Brown onto the show to talk about wills, trusts, estate plans, and the probate process. Many people don’t realize that if you don’t have a will, your state has an estate plan for you. Unfortunately, it's usually not what you would really like to have happen to you and your loved ones. Listen along as Paul and Parker dispel some information around estate planning to keep your family from having to navigate financial and legal problems after you’re gone.

Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Today, Paul invites attorney Parker Brown onto the show to talk about wills, trusts, estate plans, and the probate process. Many people don’t realize that if you don’t have a will, your state has an estate plan for you. Unfortunately, it's usually not what you would really like to have happen to you and your loved ones. Listen along as Paul and Parker dispel some information around estate planning to keep your family from having to navigate financial and legal problems after you’re gone.

Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Paul asks Dan to share some of his experience with clients around annuities to help people see what’s actually going on behind the scenes. Dan shares a story of a client who bought an annuity and was sold an income rider, believing this would help her have a consistent income for years. The payout of this product after the cost of the rider was $90 a month. Listen along as these advisors help you see how the language around these products is twisted to make you believe that you’re getting returns or even wealth growth that isn’t there.

Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Paul, Evan, and Dan talk about investors who are nearing or in retirement and their biggest concerns. Fewer and fewer people are entering retirement with confidence, and the industry is so focused on selling them products or sharing advanced strategies instead of education and planning. Listen along as three experienced advisors explain why no one can help you make the right decision until they have a strong understanding of your situation and goals. 

Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Paul, Evan, and Dan discuss an advertisement that aims to convince investors that “normal” advisors are wrong about bonds and will run your retirement into the ground if you let them. The problem is that the sales pitch sets up a scenario that rarely happens in the industry and fails to mention that all they are doing is selling a product that makes them a large commission. Evan calls the tactic for setting up a false situation to pitch against setting up the straw man and explains why it’s one of the oldest tricks in the sales book. Listen along as these investors talk about why an annuity is not a good alternative to a diversified portfolio, regardless of your age.

Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Paul brings in a commercial showing trendy young investors working with their flashy advisor, and the secret sauce that is bringing in all the success is … “institutional grade” bond funds? Listen along as Paul, Evan, and Dan explain what’s wrong with this picture and why the financial industry is more interested in how marketable a product is and not how effective it is. Later in the episode, the European stock market isn’t seeing very many new public companies. Does this mean anything for investors?

Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

In this two-part episode, Evan covers the things that worry investors the most about retirement and the top 10 reasons people don’t work with a financial planner. Sixty percent of Americans don’t work with a financial planner at all, whether it’s because they have hang-ups about discussing finances, have been burned by bad planners in the past, or they don’t believe they have enough money to start. Listen along as Evan talks about the biggest fears people have around planning for their future and the most common hang-ups in reaching out for help. 

Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

In this two-part episode, Evan covers the things that worry investors the most about retirement and the top 10 reasons people don’t work with a financial planner. Sixty percent of Americans don’t work with a financial planner at all, whether it’s because they have hang-ups about discussing finances, have been burned by bad planners in the past, or they don’t believe they have enough money to start. Listen along as Evan talks about the biggest fears people have around planning for their future and the most common hang-ups in reaching out for help. 

Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Today, Evan shares an article by Jason Zwieg, titled “Wall Street's Big, Bad Idea for Your 401(k),” which highlights how Wall Street is excited to start selling alternative investments to average investors. Listen along as Evan explains why you should always be cautious when a company that sells you something is excited that the rules have relaxed, and why you should just say “no” to alternative investments. Later in the episode, Evan explains why millennials have more wealth than they’ve ever had, but are more worried about money. 

Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.