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Retirement Strategies

Ep. 29: The Top 3 Social Security Mistakes Couples Must Avoid

Could a simple mistake cost you thousands in Social Security benefits? The short answer is yes. Claiming too early, misjudging work penalties, or overlooking survivorship benefits can take a serious toll on your retirement income. So how do you avoid this? Tune in as certified retirement counselor Mark Struthers breaks down the top three Social Security mistakes …

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Ep. 28: The Roth IRA and SECURE Act: What Your Heirs Need to Know

Will your Roth IRA survive the SECURE Act? As the rules around wealth transfer keep shifting, certified retirement counselor Mark Struthers breaks down what the SECURE Act means for your Roth IRA and, more importantly, for your heirs. Listen in as we explore why Roth IRAs are still a powerful tool, how new beneficiary rules could impact your estate plan, …

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Ep. 27: Is Social Security Going Away? Planning for a Secure Retirement

Will Social Security still be around when you retire? As fears about its future continue to rise, certified retirement counselor Mark Struthers cuts through the noise with a grounded, facts-first approach to solvency, accessibility, and the threat of termination. Listen in as we talk about why full termination is highly unlikely, how accessibility issues have …

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Ep. 26: Strategy vs. Tactics: Should You Change Your Portfolio Before a Recession?

Should you be making changes to your portfolio with a recession looming? Market volatility brings a lot of anxiety, especially when retirement is just around the corner. But reacting out of fear can do more harm than good. Listen in as your certified retirement counselor Mark Struthers breaks down the main difference between strategy and …

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Cash Flow Pre-Retirement

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https://youtu.be/RY77nIwrxP8 Summary In this conversation, Mark Struthers discusses the importance of financial planning, particularly focusing on cash flow management as individuals approach retirement. He emphasizes the need for tracking expenses, understanding investments, and aligning financial goals with life stages to ensure a healthy and wealthy retirement. Struthers provides insights into the complexities of retirement planning, …

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Maximizing Retirement: The Role of Guardrails

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https://youtu.be/pg17W9cJKi4 Summary In this conversation, Mark Struthers discusses retirement guardrails, strategies designed to help retirees manage their withdrawal rates and spending to maximize their portfolio longevity and enjoyment during retirement. He emphasizes the importance of adjusting withdrawal rates based on market performance and the potential benefits of starting with a higher spending rate. The discussion …

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Is The 10x Rule For Retirement Right For You?

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https://youtu.be/nMTnPLG-8E8 Summary In this episode, Mark Struthers discusses the 10 times rule for retirement savings, exploring its relevance and practicality in today’s financial landscape. He explains the origins of the rule, its benchmarks, and why it may be too conservative for many individuals. Struthers emphasizes the importance of personalized financial planning over generic rules of …

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