The Retirement Income Show with Dave Stearns

How much can you really afford to spend in retirement without worrying about running out of money? Traditional withdrawal strategies may sound simple, but market downturns and unpredictable returns can make them much harder to rely on. 

This episode of The Retirement Income Show breaks down why retirement planning should focus on more than just how long your portfolio might last. Learn how an income-first approach built around interest and dividends can help create a more dependable retirement income stream, reduce reliance on selling investments, and bring greater peace of mind to your retirement years.

You can’t control when financial storms will hit, but you can prepare for them. This week's episode of The Retirement Income Show explores the challenges retirees may face, from rising inflation and healthcare costs to higher taxes, unexpected expenses, and the risk of outliving retirement savings.

Discover how to build a financial “storm shelter” to help protect retirement income when markets become unpredictable. The discussion covers planning for the long term, maintaining adequate cash reserves, and creating a diversified, income-focused portfolio designed to generate dependable interest and dividends without relying solely on selling investments. Because when it comes to retirement, hoping for the best isn’t a plan. Preparation is key.

Interest rates can have a major impact on your retirement, but understanding how they work, and how they affect your income, is key. 

In this week's episode of The Retirement Income Show, we break down the Federal Reserve, the yield curve, inflation, and why long-term rates don’t always move the way you might expect.

We also explore what today’s higher rates could mean for retirees and why investing for dependable income from interest and dividends may be worth considering. From individual bonds to dividend-paying investments, we discuss strategies designed to help create more predictable retirement income and greater peace of mind.

A successful retirement starts with a solid foundation. But where will your income come from, how do you know if you’ve saved enough, and what should you look for when choosing a financial advisor?

In this week's episode of The Retirement Income Show, we break down the essential questions every retiree and pre-retiree should consider. I’ll also discuss why working with a fiduciary who specializes in retirement can help you navigate the details, ask the right questions, and build a plan tailored to your needs and goals.

Retirement planning can feel like a roundabout with several important exits and plenty of opportunities to take the wrong turn. 

In this week's episode of The Retirement Income Show, we walk through three critical areas of retirement planning: creating sustainable income, navigating Medicare, and getting your estate plan in order.

Investing for income can be different from simply withdrawing from your portfolio. We also cover important Medicare decisions, including IRMAA, and the key estate planning documents and beneficiary designations that can help make things easier for your loved ones.

Is there a “right” investment strategy for retirement? 

In this episode of The Retirement Income Show, we explain why there’s no one-size-fits-all answer and why your strategy should be built around the income you need, the risk you can tolerate, and how long your money needs to last.

We'll walk through how to identify your retirement income gap, the limitations of traditional withdrawal strategies, and the important difference between investing for growth and investing for income. I’ll also discuss how interest- and dividend-producing investments can provide greater clarity and confidence as you build a retirement income strategy.

Death and taxes may be two of life’s only certainties, but how you plan for them can have a major impact on your retirement.

In this episode of The Retirement Income Show, we discuss strategies for managing taxes, protecting survivor income, organizing your estate, and preparing your family for the future. We'll also explore Roth conversions, qualified charitable distributions, and other ways to potentially reduce the tax burden on your retirement savings and heirs.

Retirement planning comes with plenty of questions, and knowing the right answers can make all the difference. 

On this week's episode of The Retirement Income Show, we continue answering common questions surrounding retirement topics including inflation, estate planning, Roth conversions, long-term care, and how to determine whether you have the right financial advisor.

Tune in for practical insights to help you better understand the decisions that can impact your financial future and approach retirement with greater confidence.

What are the questions you should be asking before and during retirement?

In this episode of The Retirement Income Show, we tackle some of the most common retirement questions we hear from clients, including when to claim Social Security, whether a Roth conversion makes sense, how much you really need to retire, and how to create reliable income from your investments. We also discuss why traditional withdrawal strategies may not provide the confidence retirees need and why focusing on income can be a critical part of a successful retirement plan.   

Listen in for practical insights to help you make more informed decisions and approach retirement with greater confidence.

What could cause financial mayhem in retirement, and are you prepared to protect your nest egg?

In this episode of The Retirement Income Show, we explore some of the biggest risks retirees may face, including prolonged market downturns, inflation, liability lawsuits, and long-term care expenses. We also discuss strategies for preparing for these risks, including creating sustainable retirement income, protecting your assets, and planning ahead for the unexpected.