Episode 18: The Retirement Equation (Timing + Purpose = Peace)

What’s the “retirement equation,” and why does it matter so much as you get closer to retirement?

In this episode of Real World Retirement, host Alex Pushman sits down with Foguth Financial Group advisor Chad Barrios to break down a simple but powerful framework:

Timing + Purpose = Peace

Together, they walk through the three key phases of retirement planning—Contribution, Transition, and Distribution—and explain why the transition phase is often where the most important decisions are made. They also discuss what “holistic planning” can look like, including income strategy, Social Security considerations, investment allocation, tax planning concepts, legacy planning, and the role of ongoing communication.

If you’re preparing for retirement (or already retired) and want a clearer way to think about the moving pieces, this episode is for you.

Educational content only. Not individualized financial advice.