Retirement Education Hour

Retirement is filled with financial decisions, but not all decisions carry the same weight. Some choices have little impact on long-term income, while others can materially change spending power for decades. This episode breaks down how risk, reward, and income sensitivity should be evaluated so retirees can focus on what actually matters.Retirement Education Foundation is a Fiscally Sponsored Program of United Charitable, a registered 501(c)(3) public charity.This information is for educational purposes only and is not to be considered tax, legal or investment advice. Kirk Cassidy and Paul Meter are professional financial advisors in the private sector. Both serve as a financial instructor for the Retirement Education Foundation on a volunteer basis. Retirement Education Foundation does not offer financial services.

Many investors think retirement success is mainly about average return. In retirement, the timing of returns can matter just as much. In this episode, Kirk and Michael break down how losses early in retirement can have a greater impact than losses later on, why withdrawals can magnify that problem, and how income planning and asset allocation can work together to help manage this risk.Retirement Education Foundation is a Fiscally Sponsored Program of United Charitable, a registered 501(c)(3) public charity.This information is for educational purposes only and is not to be considered tax, legal or investment advice. Kirk Cassidy and Paul Meter are professional financial advisors in the private sector. Both serve as a financial instructor for the Retirement Education Foundation on a volunteer basis. Retirement Education Foundation does not offer financial services.

Most investors think asset allocation means choosing a percentage of stocks and bonds based on retirement dates. In retirement, the timing of your money matters far more. This episode explains how sequence of returns risk, income timing, and portfolio structure influence retirement outcomes.Retirement Education Foundation is a Fiscally Sponsored Program of United Charitable, a registered 501(c)(3) public charity.This information is for educational purposes only and is not to be considered tax, legal or investment advice. Kirk Cassidy and Paul Meter are professional financial advisors in the private sector. Both serve as a financial instructor for the Retirement Education Foundation on a volunteer basis. Retirement Education Foundation does not offer financial services.

Roth conversions are widely discussed but often misunderstood. In this episode, we begin by defining how Roth accounts and conversions work, then examine why conversions have gained attention in recent years. We explore how required minimum distributions, survivor tax changes, and Medicare premiums influence the long-term impact of a conversion. This conversation is designed to help listeners understand when a Roth conversion may support a coordinated lifetime tax plan and when it may not.Retirement Education Foundation is a Fiscally Sponsored Program of United Charitable, a registered 501(c)(3) public charity. This information is for educational purposes only and is not to be considered tax, legal or investment advice. Kirk Cassidy and Paul Metler are professional financial advisors in the private sector. They serves as a financial instructor for the Retirement Education Foundation on a volunteer basis.

Many people delay retirement not because they lack money, but because what they call a plan does not give them confidence to stop working. In this episode, Kirk and Paul explain why you do not need to know everything to retire, while also identifying the key questions a real retirement plan must answer. By understanding the difference between having information and having a plan, listeners can begin replacing uncertainty with clarity and move closer to retirement with confidence.Retirement Education Foundation is a Fiscally Sponsored Program of United Charitable, a registered 501(c)(3) public charity. This information is for educational purposes only and is not to be considered tax, legal or investment advice. Kirk and Paul are financial advisors. Retirement Education Foundation does not offer financial services.