Shows
The Retirement Power HourRoth vs Traditional 401(k): Pros, Cons, and How to ChooseIn this episode of the Retirement Power Hour, Joe Allaria, CFP®, breaks down the key differences between Roth and Traditional retirement accounts so you can make smarter, more tax-efficient decisions with your savings. We’ll cover: 🔹 The real tax advantages of each account 🔹 Who should choose Roth vs who should choose Traditional 🔹 How your income level and future tax bracket affect your decision 🔹 Why some people benefit from using BOTH 🔹 What the Backdoor Roth IRA is and when it makes sense This is Episode 2 in our 401(k) Series. If you missed Episode 1 "H...
2025-11-2614 minThe Retirement Power HourHow Should I Invest my 401(k)?According to a 2023 SurveyMonkey study, 46% of 401(k) investors don’t know what they’re actually invested in. If that’s you — don’t worry, you’re not alone.In this episode of The Retirement Power Hour, Joe Allaria, CFP®, breaks down the most common 401(k) investment options and helps you answer one of the most important retirement questions: "How should I invest my 401(k)?"We’ll cover:✔️ Target date funds: pros, cons, and how to adjust✔️ DIY investing: building your mix of large cap, small cap, international, and bond funds✔️ The truth about high-yield (“junk”) bond fu...
2025-10-1624 minThe Retirement Power HourHow Much Should I Contribute To My 401(k)?According to the 2025 Intuit Prosperity Index, 68% of Americans aren’t confident they’ll ever be able to retire. One big reason? Most people don’t know how much they should contribute to their 401(k).In this episode of The Retirement Power Hour, Joe Allaria, CFP®, breaks down exactly how much you should be contributing to your 401(k)—based on your age, income, and personal situation. You’ll learn:-Why getting your employer match is non-negotiable-The “rules of thumb” for 401(k) contribution percentages at different ages-How to know if you’re on track with your r...
2025-09-1516 min
Da 0 a 42 - Il mio podcast sul runningLibri sul running: Corsa e anatomia umana, di Patrick Milroy e Joe PuleoSi torna a parlare di libri sulla corsa. Stavolta vi racconto di “Corsa e anatomia umana”, scritto da Joe Puleo e Patrick Milroy.Un manuale interessante, con un grosso focus sul potenziamento e sugli esercizi che un runner potrebbe fare per migliorare nella corsa.Link Amazon al libro: https://amzn.to/427r71a----------------------Supporta questo progetto tramite un contributo mensile su Patreon: https://www.patreon.com/da0a42In alternativa, puoi fare una donazione "una-tantum".PayPal: https://www.paypal.com/paypalme/lorenzomaggianiBuymeacoffee: https://www.buymeacoffee.com/da0a42
2025-06-2413 minThe Retirement Power HourWhat Are Tariffs, and Will They Affect Me?Are tariffs about to hit your wallet and your investment portfolio? In this episode of Retirement Power Hour, Joe Allaria, CFP®, breaks down exactly what tariffs are, how they work, and most importantly—what they mean for your retirement savings and day-to-day expenses.From the latest moves by the U.S., China, Canada, and Mexico to expert opinions from PIMCO, Goldman Sachs, JP Morgan, and more, we’re giving you a balanced look at what’s happening and what it could mean for your financial future. Check out our article on this topic: How Tari...
2025-02-2818 minThe Retirement Power Hour2025 Stock Market PredictionsIn this new episode of the Retirement Power Hour, Joe Allaria, CFP®, & Jay Waters break down how financial "experts" consistently make incorrect market predictions. They highlight key misses from 2024, including false recession calls, incorrect volatility forecasts, and failed AI bubble predictions. The takeaway? Ignore the noise, focus on a strategy built around your personal financial plan, and invest wisely for the long term.If you enjoyed this episode, make sure to check out our podcast 2025 Contribution Limits Submit Your QuestionsTo submit a listener question, visit our website, and enter the details of your q...
2025-01-3126 minThe Retirement Power Hour2025 Contribution LimitsWelcome to the Retirement Power Hour with Joe Allaria, CFP®. In episode 35, we break down the 2025 retirement contribution limits and key tax changes you need to know. Learn about updates to IRAs, Roth IRAs, 401(k)s, SIMPLE IRAs, and more—including the new provisions introduced by Secure Act 2.0.Key Topics Discussed: IRA and Roth IRA contribution limits and phase-outsNew 401(k) and SIMPLE IRA catch-up provisionsChanges to tax brackets, standard deductions, and Social Security wage baseHSA contribution updates for 2025If you enjoyed this episode, make sure to che...
2024-12-2411 minThe Retirement Power HourWhole Life vs. Term LifeIn this episode, Joe Allaria, CFP®, and Jay Waters dive deep into the pros and cons of two popular types of life insurance: Term Life and Whole Life. While both offer unique benefits, choosing the right policy depends on your individual financial goals.Key Terms Discussed:-Term Life Insurance-Whole Life Insurance-The Cash Value Debate-Guaranteed Dividends-Buy Term, Invest the RestWhether you’re new to life insurance or reassessing your coverage, this episode will help you understand the key differences between these two policies and giv...
2024-11-2717 minThe Retirement Power HourHow Much Life Insurance Do I Need?Welcome to Retirement Power Hour! In Episode 33, host Joe Allaria, CFP®, discusses the key factors in determining how much life insurance you need. He covers important considerations like paying off mortgages, covering future expenses for children, and replacing income for a spouse, along with strategies for wealth transfer and estate tax planning. Joe also explains the difference between term and permanent life insurance, helping you decide what best suits your needs. If you enjoyed this episode, make sure to check out our podcast Can I Retire with $1M at age 60? Submit Your QuestionsTo sub...
2024-10-0317 minThe Retirement Power Hour30 Years of Financial Advice: Scott Carson's Tips and LessonsWelcome to Retirement Power Hour! In Episode 32, host Joe Allaria, CFP®, interviews Scott Carson, a seasoned wealth advisor with over 30 years of experience. Scott, a senior wealth advisor at CarsonAllaria Wealth Management, shares valuable insights from his extensive career in financial planning.If you enjoyed this episode, make sure to check out our latest podcast Can I Retire with $1M at age 60? Submit Your QuestionsTo submit a listener question, visit our website, and enter the details of your question. Leave a ReviewVisit https://www.retirementpowerhourpodcast.com/ to leave a rev...
2024-08-2734 minThe Retirement Power HourCan I Retire with $1M at Age 60?Can you retire with $1M at age 60? Tune in to Episode #31 as host Joe Allaria, CFP®, discusses the different factors that impact the answer, including your retirement expenses, other income, Social Security, and more. If you enjoyed this episode, make sure to check out our latest podcast on How to Retire Early Using Phases Submit Your QuestionsTo submit a listener question, visit our website, and enter the details of your question. Leave a ReviewVisit https://www.retirementpowerhourpodcast.com/ to leave a review on Apple Podcasts or Spotify. Disc...
2024-08-0519 minThe Retirement Power HourHow to Retire Early Using PhasesDo you want to retire now and gain more freedom sooner? The answer could be yes, but the path to achieving it might differ from what you imagine. In episode #30 of the Retirement Power Hour, Joe Allaria, CFP®, and Mark Allaria, CFP®, sit down and discuss ways you can retire early using phases. Many people envision retirement as abruptly shifting from a 40-hour workweek to working zero hours. However, incorporating a semi-retirement phase can allow you to experience retirement earlier and can offer additional benefits. If you enjoyed this episode, make sure to check out our latest podc...
2024-07-1019 minThe Retirement Power HourReduce Taxes with Charitable GivingAre you tired of donating cash to charities and missing out on potential tax savings? In this episode of the Retirement Power Hour, Joe Allaria, CFP®, provides four different ways, including Gifting Appreciated Shares, Qualified Charitable Distributions (QCDs), Bunching Donations Into One Year, and Mega-Bunching with Donor Advised Funds, that you can use to reduce your taxes while still giving to the charities that you care about.Resources Mentioned on the Show:• Charitable Donations Using Stock Not Cash• Can I Lower My Taxes with a Donor Advised Fund• Lowering Taxes with QCDs If you...
2024-05-1516 minThe Retirement Power HourThe Stock Market During an Election Year with Guest Jake DeKinderThe 2024 presidential election has caused many investors to wonder if they should be doing anything differently. Is it safe to stay invested in stocks and bonds during this time, or should investors move their money to the sidelines until later this year? In Episode #28 of the Retirement Power Hour, Joe Allaria, CFP®, talks with Jake DeKinder, Head of Client Communications and Vice President at Dimensional Fund Advisors, about what the stock market has done in the past during election years and if the 2024 election year is different.About Our GuestAs Head of C...
2024-04-1822 minThe Retirement Power HourCybersecurity: How to Stay Secure OnlineIn Episode #27 of the Retirement Power Hour, Joe Allaria, CFP®, talks about various ways you can protect yourself online from cybersecurity attacks, phishing attempts, and other forms of attempted fraud. Resources Mentioned on the Show:As Nationwide Fraud Looses Top $10 Billion in 2023 Identity Theft: 15 Ways to Protect Against Cyber Attacks If you enjoyed this episode, make sure to check out our latest podcast on Social Security: Will I Get It? Submit Your QuestionsTo submit a listener question, visit our website, https://www.retirementpowerhourpodcast.com, and enter the d...
2024-03-2720 minThe Retirement Power HourSocial Security: Will I Get It?In 10 years will you be able to rely on Social Security to be there for you? In episode 26 of the Retirement Power Hour, Joe Allaria, CFP ®, talks about if Social Security is going to pay out benefits in the future and a six-part plan on how to fix Social Security. To learn more on this topic, take a look at our article on Social Security: Will I Get It?If you enjoyed this episode, make sure to check out our latest podcast on 2024 Stock Market Predictions Resources Mentioned on the Sh...
2024-02-2917 min
The Jungle - The Official Sports Podcast of Edwardsville High SchoolSeason 2, episode 20Episode 20 is our SPECIAL EDITION hall of fame episode. We feature hall of fame inductees, Jason Boyd, Rachel Coonrod, Jeff Hornberger, Joe Allaria, Sam Fink, and Michael Brazier who talk about their memories and athletic accomplishments at EHS.
2024-02-1325 minThe Retirement Power Hour2024 Stock Market PredictionsCan we trust these large financial institutions that claim to know what the market is going to do? In this episode of the Retirement Power Hour, Joe Allaria, CFP ®, sits down with fellow financial advisor, Jay Waters, to talk about what happened in 2023, what the “experts” say is going to happen in 2024, and why to think twice before listening to what these large financial institutions predict. If you enjoyed this episode, make sure to check out our latest podcast on How to Pay 0% in Capital Gains Tax. Resources Mentioned on the Show:
2024-01-2527 minThe Retirement Power HourHow to Pay 0% in Capital Gain TaxIs it even possible to pay 0% in Capital Gains Tax? In this episode of the Retirement Power Hour, Joe Allaria, CFP®, explains 4 strategies to NOT pay any capital gains tax, including gain harvesting, donating appreciated shares of securities, tax-loss harvesting, and not selling at all (but instead leaving your shares to your heirs).If you enjoyed this episode, make sure to check out our last podcast on How to Not Fail at Retirement with Author Mike Drak. Resources Mentioned on the Show:Smart Charitable Giving: How to Receive t...
2023-12-1818 minThe Retirement Power HourHow to Not Fail at Retirement with Author Mike DrakMost people are worried about having enough money saved for retirement; but financial planning alone, without lifestyle planning, is a ticket to Retirement Hell. In this episode of The Retirement Power Hour, Joe Allaria, CFP®, sits down with Author Mike Drak to discuss his book “Longevity Lifestyle by Design” and how to avoid failing at retirement. About Our Guest After a thirty-eight-year career within the financial services industry, Mike Drak experienced what he has now termed “retirement shock”. As a result, Mike spent the next 6 years doing research about retirement which resulted in his best...
2023-10-2527 minThe Retirement Power HourHealth, Fitness, and Wellness in RetirementWithout your health how could you enjoy your retirement? The time is now to invest in your health! In this episode, Joe Allaria, CFP®, gets the chance to sit down and talk with Dr. Tibor Kopjas and discuss ways to stay healthy, get fit, and feel great in retirement. About Our GuestDr. Tibor Kopjas, a practitioner for over 30 years in Maryville, IL. He returned to his original vision of patient-focused healthcare in 2019 when he began partnering with MDVIP to prioritize personalized care.Resources MentionedMD VIP Website
2023-10-1136 minThe Retirement Power HourTravel in Retirement: Planning Your Dream VacationTravel is one of the most popular activities that retirees like to tackle after their working years. Whether traveling domestically or internationally, retirement is a wonderful time to explore new places and to take your time while doing so. On this episode, Host Joe Allaria is joined by Travel Advisor and Founder of New View Travel, Janine Cartier to discuss how to plan your dream vacation in retirement. SPOILER: It all starts with a solid plan. About Our GuestJanine Cartier is a Travel Advisor and the Founder of New View Travel. New...
2023-07-1123 minThe Retirement Power HourThe Pitfalls of Evaluating Rate of ReturnDo you have "good" investments? How do you know? What is a good rate of return? How much time do you need to evaluate if you own good investments? In this episode, Host Joe Allaria and Co-Host Jay Waters discuss the pitfalls the many investors fall into when they are evaluating their own investments, and how having the wrong perspective can lead you astray. Listener QuestionWhat is a realistic rate of return expectation for a newly retired individual? Submit Your QuestionsTo submit a listener question, v...
2023-06-1638 minThe Retirement Power HourAnnuity Pros, Cons, and What Are They Anyway?Annuities seem to have a negative connotation within the financial industry, but do they deserve it? Are annuities good or are they bad? Because there are so many different types of annuities, it's hard to generalize that they are either good or bad. Each annuity should be evaluated independently based on each individual’s situation.On episode 19 of The Retirement Power Hour, host Joe Allaria is joined by fellow Partner and Wealth Advisor of CarsonAllaria Wealth Management, Mark Allaria, CFP®, as the two discuss the pros and cons of annuities, as well as the different types out the...
2023-05-2233 minThe Retirement Power HourSocial Security Spousal Planning Q&ASocial Security filing strategies can get complex for couples, especially those with different ages. Can you start a spousal benefit, then switch to your own? Can you start your own benefit, then switch to a spousal benefit? What is a restricted application? Can I still file and suspend? So many questions and not enough answers. But, we're fixing that problem on this episode by answering several listener questions around this very topic. Click to listen as host Joe Allaria discusses Social Security Spousal Planning.Submit Your QuestionsTo submit a listener question,
2023-03-1728 min
Midlife MasteryRetiring Better (with Joe Allaria)This episode is about retirement, but not really about saving or investing. Rather, Joe Allaria, CFP and host of The Retirement Power Hour Podcast, joins me to discuss thinking about the lifestyle of retirement and creating a fulfilling retirement. Sure, the numbers are important, but if the average retirement is…
The post Retiring Better (with Joe Allaria) appeared first on Midlife Mastery Podcast.
2023-03-0551 min
Health and Wealth Podcast with Carter & TimJoe Allaria, CFP®, MBA Partner and Wealth Advisor for Carson Allaria Wealth Management- Quarterbacking His Clients To A Successful RetirementEpisode 85 - As a Partner and Wealth Advisor for Carson Allaria Wealth Management, Joe’s primary responsibilities are to work directly with clients as the leader of their financial plan while also creating and implementing the strategic vision for the firm. Joe brings an analytical yet creative approach to finding solutions for our clients and pursuing the vision of our firm.For his numerous articles, Joe has been featured in the Wall Street Journal, USA Today.com, Yahoo Finance, Nasdaq.com, and Investopedia. Joe is committed to educating his clients and the general public about the cr...
2023-02-1556 minThe Retirement Power Hour2023 Stock Market Predictions, & Why You Should Ignore ThemIt's that time of year again...when we see stock market predictions being released by financial institutions, fund managers, financial media personnel, and other financial “experts.” Most of these predictions end up being wildly inaccurate, yet they keep being made, and many keep listening.Click to listen as host Joe Allaria uncovers how these "experts" did on their 2022 predictions, and what they're saying about 2023.Listener QuestionWhat will the stock market do in 2023? We're talking about that for the whole show, so be sure to tune in! Submit Your Quest...
2023-02-0124 min
Boomer Banter, Real Talk about Aging WellFinancial fulfillment in retirementFrom football player to Certified Financial Planner to podcaster, Joe Allaria is passionate about educating his clients and his listeners.He spoke to us about the 3 levels of financial retirement.Level one: Survival - Can I pay my bills when I retire? Typically, people that have this fear have not worked with a financial planner and are simply guessing at their financial state.Level two: Survival plus - I can pay my bills, maybe take a trip or two, contribute to a charity of my choice.Level three: True retirement fulfillment...
2023-01-0940 minThe Retirement Power HourCreating Your Retirement Identity w/ Wendy GreenIn this episode, Host and CERTIFIED FINANCIAL PLANNER™ professional Joe Allaria is joined by Wendy Green, the Founder and Host of the "Hey, Boomer" podcast, and the two discuss Creating Your Retirement Identity. Recent retirees can often find themselves in a retirement identity crisis after using their title as a defining adjective for who they are for so many years and then having that title anymore. Tune in to hear more about different ways to frame your identity both prior to and during retirement.Listener QuestionYou'll also hear an answer to Dal...
2023-01-0533 min