Retirement Planning Videos

Most retirement spending rules start with a number.But retirement does not move in a straight line. Markets change, Social Security begins, a mortgage may get paid off, spending patterns shift, and your needs often look different at 75 than they did at 65.In this video, I discuss the flaw in many “safe” retirement spending rules Learn More

Many people expect that once they save enough for retirement, they will simply feel ready.But that is often not what happens.They reach the number they had been working toward and then move the goalpost. Retirement still feels risky, even when the financial plan suggests they may already be in a strong position.In this video, I Learn More

Many retirees are careful with money, especially after the paycheck stops.That caution is understandable. But sometimes being too careful creates a different kind of problem.In this video, I walk through a hypothetical couple who are spending less than their retirement plan allows. The unspent money may feel like a harmless cushion, but because most of Learn More

Two retirees can start retirement with the same amount saved, the same investments, and the same withdrawal plan, yet end up with very different outcomes.That is because in retirement, the order of investment returns matters.In this video, I walk through a hypothetical example of two couples who both retire at 65 with the same amount Learn More

A couple recently came in to meet with me as they were approaching retirement.They had saved well, invested well, and felt like the finish line was finally in sight.But once we started walking through the actual transition into retirement, several important planning decisions came up that they had not fully thought through yet.In this video, Learn More

Roth conversions seem to be everywhere these days.But before deciding whether a Roth conversion makes sense, I believe there’s a more important question to answer:What are you actually optimizing for?In this video, I walk through the case of a 60-year-old woman with approximately $1.2 million saved who wanted to know whether Roth conversions should be Learn More

Many people assume that once they retire and start withdrawing money from their investments, their portfolio will gradually decline over time.But that’s often not what happens.In fact, some retirees find themselves several years into retirement with more money than they had when they first stopped working.In this video, I explain why that can happen and Learn More

Most retirement planning discussions focus on investments, taxes, Social Security, and healthcare.But there is another retirement issue that often gets overlooked:What happens when other people know how much money you have?Many retirees assume that sharing financial details with family and friends is harmless. Sometimes it is. But over the years, I’ve seen situations where wealth Learn More

Many people spend years preparing financially for retirement but feel surprisingly uncertain about one specific area: healthcare.And often, it is not because they have not saved enough.It is because the rules feel complicated, the costs feel unpredictable, and the decisions seem interconnected in ways that are hard to fully see until someone lays them out Learn More

Most married couples think about Social Security as a retirement income decision.What many do not realize is that it is also a survivor planning decision.In this video, I walk through a real retirement scenario showing how one Social Security claiming decision can create a difference of more than $1,700 per month for the surviving spouse Learn More