Shows
Retire With StyleEpisode 214: When Spending More in Retirement Actually Makes SenseIn this episode of Retire With Style, Alex and Wade discuss the nuances of the 4% rule and why it may be either too high or too low depending on factors such as inflation, portfolio diversification, market conditions, and individual circumstances. They explore how withdrawal rates work in practice, including the role of variable spending strategies and buffer assets in managing risk and improving retirement outcomes. The conversation emphasizes that determining an appropriate withdrawal rate requires a tailored approach rather than reliance on a single rule of thumb.
Takeaways
The 4% rule may not be universally a...
2026-02-0327 minRetire With StyleEpisode 213: Retirement Without Guesswork: The Four L’s and Funded Ratio StrategyIn this conversation, Wade discusses the essential financial goals of retirement, encapsulated in the concept of the four L's: longevity, lifestyle, legacy, and liquidity. He emphasizes the importance of assessing financial preparedness through the funded ratio, which compares assets to liabilities. The discussion also covers safe withdrawal rates, suggesting a rate of 4.5% based on the funded ratio approach. Finally, Wade highlights the significance of implementing variable spending strategies to enhance retirement enjoyment and financial security.
Takeaways
The four L's of retirement are longevity, lifestyle, legacy, and liquidity.
Longevity refers to essential expenses that must b...
2026-01-2733 minRetire With StyleEpisode 212: There Is No “Best” Retirement Plan: How to Choose What Actually WorksAudio Quality Notice:
Please note that this episode contains some technical audio issues affecting portions of the recording. While we’ve made every effort to improve the sound quality, some disruptions may remain. For clarity, full transcripts and closed captions are available and linked here for your reference. https://retirewithstyle.com/wp-content/uploads/2026/01/Episode-212-There-Is-No-Best-Retirement-Plan-How-to-Choose-What-Actually-Works.pdf
In this episode of Retire With Style, Alex and Wade kick off a new arc focused on the fully revised Third Edition of the Retirement Planning Guidebook. The conversation walks through the foundational ideas behind the book, beginning with retirement in...
2026-01-2131 minRetire With StyleEpisode 211: The Math Behind Retirement Decisions (and Why It Matters)In this episode of Retire with Style, Wade Pfau and Alex Murguia break down key concepts in retirement income planning, including present value, discount rates, and internal rates of return. They explain how these tools apply to real-world decisions such as Social Security claiming and choosing between a pension and a lump sum. The conversation highlights the importance of understanding cash flows and using sound mathematical analysis to inform decisions, while still accounting for personal preferences and risk. Listen now to learn more!
Takeaways
Present value and breakeven analysis are crucial for financial planning.
U...
2026-01-1335 minRetire With Style[Best of 2025 Repost] Episode 174 The Psychology of Investing Understanding Market ReactionsAs we close out 2025 and head into the New Year, we’re sharing one final Best of episode before returning with new conversations in January. This week’s replay is Alex’s top pick from the year, a conversation that stood out for its relevance, insight, and the questions it generated from listeners.
We’ll be back soon with brand new episodes in 2026. Until then, Happy New Year, and thank you for being part of the Retire With Style community!
Repost from Episode 174
In this episode of Retire with Style, Wade Pfau and A...
2025-12-3030 minRetire With Style[Best of 2025 Repost] Episode 195: The 4% Rule and Beyond: Retirement Strategies with Bill BengenAs the year comes to a close, we’re taking a moment to revisit a few of our favorite Retire With Style episodes from 2025. This week, we’re replaying one episode that stood out in particular as Wade’s favorite conversation of the year, based on both the discussion and the questions it sparked from listeners.
We’ll be back with brand new episodes after the holiday break. Thanks for listening this year, and we look forward to continuing the conversation in 2026.
Repost from Episode 195
In this episode of Retire with Style, Wade Pfau and...
2025-12-2339 minRetire With StyleEpisode 209: Your TIPS Questions Answered: Inflation Protection, Interest Rates, and Retirement IncomeIn this episode of Retire with Style, Wade Pfau and Alex Murguia explore how Treasury Inflation Protected Securities, or TIPS, fit into a retirement income plan. They discuss when it may make sense to build a TIPS ladder, the challenge of predicting interest rates, and how TIPS compare with equities as tools for managing inflation risk. The conversation also addresses strategies for creating inflation-adjusted income, the role TIPS can play alongside Social Security, and how a TIPS ladder can support a Social Security delay bridge. Listen now to learn more.
Takeaways
TIPS are designed to...
2025-12-1633 minRetire With StyleEpisode 208: Your Retirement Spending Questions Answered: The 4 Percent Rule, Sequence Risk, and Glide PathsIn this episode of Retire With Style, Alex Murguia and Wade Pfau explore core themes in retirement planning, including the 4 percent rule, sequence of returns risk, and how to balance discretionary and essential spending. They discuss how these factors shape retirement income strategies, the role of reliable income sources, and when a rising equity glide path can be beneficial. The conversation highlights why retirees may need a more flexible and adaptive approach rather than relying on traditional rules of thumb.
Takeaways
The 4% rule is not a constant and can vary based on market conditions.
S...
2025-12-0944 minRetire With StyleEpisode 206: Wills, Trusts, and the Caregiving JourneyIn this episode of Retire With Style, Wade Pfau and Alex Murguia talk with Beth Pinsker, author of My Mother’s Money, about the practical and emotional realities of financial caregiving and estate settlement. They discuss why clear documentation matters, how probate works, and where family disputes over inheritance often begin. The conversation also covers the roles of wills, trusts, and beneficiary designations, along with the emotional weight that comes with managing a loved one’s affairs. Beth shares personal insights that highlight the value of proactive planning and open communication to help families avoid conflict and ensure a smoot...
2025-11-2540 minRetire With StyleEpisode 201: OBBBA and You: How the “One Big Beautiful Bill” Reshapes Retirement TaxesIn this episode of Retire with Style, hosts Alex Murguia and Wade Pfau are joined by CPA Brett Leyton to discuss the new tax provisions introduced in the One Big Beautiful Bill Act. The conversation covers essential topics such as federal income tax brackets, standard deductions, and various new below-the-line deductions that can benefit taxpayers, especially seniors. The episode delves into the complexities of tax planning, emphasizing the importance of strategic planning in light of the new legislation. Listeners will gain insights into how these changes can impact their financial planning and tax strategies moving forward.
2025-10-2139 minRetire With StyleEpisode 200 CelebrationWelcome to a milestone episode of Retire With Style! In this celebratory 200th installment, Wade and Alex take a break from the usual deep dives into retirement planning to reflect on their journey so far, from a hesitant start to a full-blown podcast and lifestyle brand. They revisit some of the most popular episodes, listener feedback (the good, the bad, and the hilarious), and the evolving purpose behind the podcast. They also share future plans, new content arcs, and maybe even a little pickleball-inspired merch talk. Whether you’re a longtime listener or brand new to the show, this ep...
2025-10-141h 02Retire With StyleEpisode 199: Beyond the Numbers: Planning for Life, Not Just FinancesIn part two of their conversation, financial advisors Alex Murguia and Dan Haylett explore the challenges of financial advising, focusing on client objections, the importance of listening, and integrating emotional well-being into financial planning. They discuss strategies for engaging clients, the role of structure in retirement, and the risks that come with a lack of it. Dan also shares insights from his book, The Retirement You Didn't See Coming, highlighting the need for a holistic approach that addresses both the financial and non-financial sides of retirement.
Takeaways
Advisors should be prepared to handle client o...
2025-10-0731 minRetire With StyleEpisode 198: Beyond the Numbers: The Human Side of RetirementIn part one of their conversation with Dan Haylett, Wade Pfau and Alex Murguia explore the human side of retirement planning. They emphasize that financial planning is only part of the equation and discuss the emotional and psychological challenges retirees face. Dan introduces the five pillars of a thriving retirement: purpose, identity, relationships, structure, and well-being. The discussion highlights how finding new sources of meaning and connection after leaving a career is essential for a fulfilling retirement.
Takeaways
Retirement is about more than financial numbers—it’s deeply human.
Many retirees struggle with a loss...
2025-09-3038 minRetire With StyleEpisode 197: RWS Live! With Bill Bengen: Part 2In this conversation, Wade Pfau, Alex Murguia and Bill Bengen discuss various aspects of retirement planning, focusing on risk management, asset allocation, and the implications of market conditions on withdrawal rates. Bengen shares insights on adjusting the traditional 4% rule based on current market valuations and inflation, emphasizing the importance of a diversified portfolio and the role of annuities. The discussion also covers the significance of sequence of returns risk and the potential benefits of rising equity glide paths in retirement strategies.
Takeaways
A 65% stock allocation is recommended for retirees.
Risk management involves adjusting asset a...
2025-09-2331 minRetire With StyleEpisode 196: RWS Live! With Bill Bengen: Part 1In this live Q&A session, Wade Pfau, Alex Murguia, and Bill Bengen discuss the intricacies of safe withdrawal rates in retirement, focusing on the relevance of the 4% rule, the impact of inflation, and the importance of investment strategies. They explore various topics including the significance of account types, the risks associated with stock picking, and the necessity of adjusting withdrawal rates based on market conditions and personal circumstances. The conversation emphasizes the need for a tailored approach to retirement planning, considering factors like tax efficiency and rebalancing strategies.
Takeaways
Inflation is a significant r...
2025-09-1629 minRetire With StyleEpisode 195: The 4% Rule and Beyond: Retirement Strategies with Bill BengenIn this episode of Retire with Style, Wade Pfau and Alex Murguia talk with William Bengen, pioneer of the 4% rule in retirement planning. They explore the rule’s evolution, how inflation and market valuations shape sustainable withdrawals, and Bengen’s current recommendations. The discussion highlights the role of asset allocation, the importance of withdrawal strategies, and why ongoing monitoring is essential for a secure retirement.
Takeaways
William Bengen modernized retirement income planning with the 4% rule.
Inflation is a critical factor in determining sustainable withdrawal rates.
Market volatility can significantly impact retirement portfolios.
A comprehensive withdrawal plan shou...
2025-09-0939 minRetire With StyleEpisode 194: RWS Live! Rethinking Retirement: Inflation, Annuities, and Roth ConversionsIn this conversation, Alex Murguia and Wade Pfau explore strategies for retirement planning, including hedging against inflation, using break-even analysis in Social Security decisions, and evaluating annuities for retirement income. They also cover the implications of Roth conversions and the reverse equity glide path strategy for managing investments. The discussion highlights the importance of understanding how different financial tools contribute to a comprehensive retirement plan.
Takeaways
Hedging against inflation can be approached through TIPS or equities, each with distinct risk profiles.
TIPS provide a contractually protected hedge against inflation, while equities may offer higher l...
2025-09-0238 minRetire With StyleEpisode 193: RWS Live!: From Tontines to ETFs: Exploring Innovative Retirement SolutionsIn this conversation, Wade Pfau and Alex Murguia discuss retirement planning topics including market downturns, buffer assets, demographic trends, and emerging products like tontines and buffered ETFs. They highlight how historical market performance shapes future expectations and emphasize the role of strategic asset allocation in retirement income planning.
Takeaways
Market downturns can last longer than five years, impacting retirement planning.
Buffer assets can help retirees weather market downturns without selling at a loss.
Demographic trends may influence market performance and interest rates in the future.
Modern tontines could provide innovative solutions for retirement income.
Combining safety...
2025-08-2633 minRetire With StyleEpisode 192- Beyond The 4% RuleIn this episode of Retire with Style, Alex Murguia and Wade Pfau dive into key retirement planning topics, including sequence risk, the 4% rule, withdrawal strategies, and bond yields. They highlight the importance of a comprehensive financial plan that accounts for asset allocation, tax considerations- such as those related to TIPS and annuities- and the role of dynamic, risk-based guardrails. The discussion underscores how retirement income strategies must adapt over time to meet changing needs.
Takeaways
Sequence risk is a critical factor in retirement planning.
The 4% rule may not be applicable in all scenarios.
Bond y...
2025-08-1936 minRetire With StyleEpisode 191: From Cash to HELOCs What’s in Your Buffer ToolboxIn this episode of Retire with Style, Alex Murguia and Wade Pfau explore how buffer assets can help manage sequence risk in retirement. They discuss different types of buffer assets—including cash, home equity lines of credit (HELOCs), multi-year guaranteed annuities (MYGAs), and whole life insurance—and examine the trade-offs involved with each. Wade also shares insights on the evolving role of reverse mortgages in retirement planning, emphasizing the importance of weighing costs and long-term implications when incorporating these tools into a financial strategy.
Takeaways
Buffer assets help manage sequence risk by providing a safety net.
Cash...
2025-08-1236 minRetire With StyleEpisode 190- Buffer Assets, Bad Timing, and Better PlansIn this episode of Retire with Style, hosts Alex Murguia and Wade Pfau explore how to manage sequence of returns risk in retirement. They break down four key strategies: spending conservatively, staying flexible with spending, reducing investment volatility, and using buffer assets. The discussion also touches on how sequence risk can arise more than once—especially for early retirees—and how having a pension can affect your overall risk tolerance. Throughout the episode, they emphasize the value of starting retirement on solid footing and building a margin of safety into your plan.
Takeaways
Sequence of re...
2025-08-0528 minRetire With StyleEpisode 189: Gold Is Shiny- But Is It Smart?In this episode of Retire with Style, Wade Pfau and Alex Murguia tackle listener questions on a range of financial topics, including gold’s volatility, alternative investments, and how to measure retirement success. They discuss the realities of investment returns, the impact of recent U.S. bond downgrades, and the importance of understanding risk, using historical data, and maintaining a solid investment strategy in retirement.
Takeaways
Gold has lower average returns and higher volatility than stocks.
Alternative investments require careful evaluation due to lack of historical data.
Quantifying retirement success rates can provide clearer fin...
2025-07-2938 minRetire With StyleEpisode 188: Are TIPS the Retirement Safety Net You’ve Been Missing?In this episode of Retire with Style, Alex Murguia and Wade Pfau explore Treasury Inflation-Protected Securities (TIPS) and their role in retirement planning. They cover the history of TIPS, their tax implications, and how they help protect against inflation. The conversation also addresses the drawbacks of TIPS, current market conditions, and the importance of clear communication- especially for couples where one partner is less engaged in financial matters.
Takeaways
TIPS were introduced in 1997 to protect against inflation.
TIPS provide a real rate of return that adjusts with inflation.
Tax implications of TIPS make them l...
2025-07-2243 minRetire With StyleEpisode 187: Couples, Roths, and SPIAs- Oh My!In this episode of Retire with Style, Alex Murguia and Wade Pfau explore key retirement planning strategies, including how couples can optimize Social Security benefits, what to do with surplus funds from bond ladders, and the potential benefits of purchasing single premium immediate annuities (SPIAs) from Roth IRAs. They highlight the importance of maintaining flexibility and tailoring strategies to each retiree’s unique circumstances.
Takeaways
Delaying social security can benefit the higher earner in a couple.
The low earner has flexibility in claiming social security earlier.
Using software can help determine optimal social security cla...
2025-07-1528 minRetire With StyleEpisode 186: How to Build a Retirement Plan That Lasts (and Saves on Taxes)In this episode of Retire with Style, Alex Murguia and Wade Pfau answer listener questions on retirement planning for high earners. They explore tax strategies like Roth conversions and qualified charitable distributions, and discuss how tools like life insurance and annuities can help hedge longevity risk and support a stable retirement income.
Takeaways
The importance of community engagement in retirement planning.
High earners face unique tax challenges and strategies.
Qualified charitable distributions can help manage tax implications.
Roth conversions can be beneficial for reducing future RMDs.
Understanding the widow's penalty in retirement planning is c...
2025-07-0832 minRetire With StyleEpisode 185: Retire with Style Live Q&AIn this live Q&A session, Alex Murguia and Wade Pfau answer questions on key aspects of retirement income planning, including withdrawal strategies, the 4% rule, tax considerations, and the role of financial advisors. They discuss how age and financial circumstances can influence withdrawal rates and highlight the importance of using guardrails to manage risk. The conversation also touches on Medicare, ACA subsidies, gifting strategies, and investment approaches to help protect against inflation. Altogether, it offers practical insights for retirees planning their financial future.
Takeaways
The 4% rule is a guideline for a 30-year withdrawal strategy.
W...
2025-07-011h 04Retire With StyleEpisode 184: Can Tech Replace Your Financial Advisor?In this episode of Retire with Style, Wade Pfau and Alex Murguia talk with John Manganaro, senior reporter at ThinkAdvisor, about the shifting landscape of retirement income planning. They explore how technology is reshaping financial planning, the growing need for holistic advice, and the challenges both advisors and consumers face in finding effective tools. John offers insights into the future of financial software, the value of human advisors, and the behavioral side of planning-highlighting the importance of addressing both financial and lifestyle goals in retirement.
Takeaways
Technology is expanding what financial advisors can do.
H...
2025-06-2452 minRetire With StyleEpisode 183: Retire Smarter, Not HarderIn this episode of Retire with Style, Alex Murguia and Wade Pfau explore the key elements of comprehensive retirement planning. They discuss the importance of understanding your financial goals, working with a financial advisor, and managing risks like health insurance and long-term care costs. Drawing on listener questions and case studies, they examine strategies for transitioning from business ownership to retirement income, optimizing Social Security, and addressing funding gaps. The conversation highlights how personalized planning and thoughtful asset allocation can lead to better financial outcomes in retirement. Listen now to learn more!
Takeaways
The q...
2025-06-1752 minRetire With StyleEpisode 182: When Disaster Strikes… Should You Invest?In this episode of Retire with Style, Wade Pfau and Alex Murguia explore alternative investments with a focus on natural resources, commodities, and catastrophe bonds. They break down the strategies and risks behind these asset classes and examine how they can fit into a diversified retirement portfolio. The conversation offers insights into the potential advantages and challenges of these investments for retirement planning.
Takeaways
Natural resources include timberland, farmland, and water rights.
Commodities can serve as an inflation hedge but are volatile.
Catastrophe bonds transfer natural disaster risk to investors.
Investing in companies that u...
2025-06-1032 minRetire With StyleEpisode 181: Bricks, Mortar and RetirementIn this episode of Retire with Style, Wade Pfau and Alex Murguia explore real assets- focusing on real estate and infrastructure- and their role in retirement portfolios. They discuss the pros and cons of residential and commercial property ownership, the value of REITs, and the potential of infrastructure investments. The conversation highlights the importance of diversification and understanding the risk-return tradeoffs of these asset classes. Listen now to learn more!
Takeaways
Real assets—like real estate and infrastructure—can play a valuable role in retirement portfolios.
These assets can improve portfolio efficiency by enhancing retur...
2025-06-0339 minRetire With StyleEpisode 180: The Secret Life of Private InvestmentsIn this episode of Retire with Style, Wade Pfau and Alex Murguia explore the world of alternative investments, with a focus on private equity and private credit. They discuss what it means to be an accredited investor, the different types of private equity investments, and the typical life cycle and structure of private equity funds—including the roles of general and limited partners.
The conversation also covers key risks, such as liquidity constraints and valuation challenges, and explains how private investments can fit into a broader retirement income strategy. Wade and Alex highlight the growing accessibility of th...
2025-05-2755 minRetire With StyleEpisode 179: Forecasts, Futures, and Funds: Inside the Hedge Fund PlaybookIn this episode of Retire with Style, Wade Pfau and Alex Murguia explore the complex world of hedge funds, focusing on strategies like global macro, event-driven, and managed futures. They explain the role of derivatives, the impact of forecasting, and how these approaches can complement a broader investment portfolio, especially in the context of retirement planning.
Takeaways
Derivatives are contracts whose value depends on an underlying asset.
Global macro strategies rely on macroeconomic trends and require strong forecasting skills.
Event-driven strategies aim to profit from corporate actions such as mergers and acquisitions.
Managed futures u...
2025-05-2044 minRetire With StyleEpisode 177: Winning the Loser’s Game: A Look at Alternative InvestmentsIn this episode of Retire with Style, Dr. Wade Pfau and Dr. Alex Murguia explore the evolving world of alternative investments and their potential role in retirement planning. They discuss the concept of "Winning the Loser’s Game"—emphasizing the value of steady, disciplined strategies over high-risk maneuvers—and examine how alternatives like cryptocurrencies, private equity, and hedge funds may fit into a well-structured retirement portfolio. The conversation covers what it means to be an accredited investor, common misconceptions about alternative assets, and the importance of liquidity and regulatory oversight. They also touch on how current market dynamics are making...
2025-05-0652 minRetire With StyleEpisode 176: Strategic Retirement Planning: Q&A on Income, Taxes, and InvestmentsIn this episode of Retire with Style, hosts Alex Murguia and Wade Pfau tackle a range of financial planning questions in a lively Q&A session. They explore Social Security strategies, the role of single premium immediate annuities (SPIAs) in retirement income, and investment approaches for managing required minimum distributions (RMDs). The discussion also covers the pros and cons of bond ladders versus Treasury bonds, along with how Roth conversions can affect adjusted gross income and Medicare premiums. Throughout the conversation, Alex and Wade highlight how thoughtful, strategic planning can help retirees maximize their income and minimize their tax...
2025-04-2934 min
Healing the Whole Body PodcastUnderlying Cause to Common Health IssuesEpisode 10: Underlying Cause to Common Health Issues
Healing the Whole Body Podcast
Host: Heather Mongie
Guest: Dr. Terry Pfau, DO, HMD
In this enlightening episode, Heather Mongie sits down with Dr. Terry Pfau, a seasoned expert in holistic medicine, to uncover the deeper roots of today’s most common health problems. Together, they explore how anxiety and chronic stress are often at the core of physical ailments, manifesting in ways that traditional medicine may overlook.
Dr. Pfau shares how homeopathy and acupuncture offer powerful, non-invasive approaches to healing by stimulating the body’s na...
2025-04-2530 minRetire With StyleEpisode 175: Can Money Buy Happiness in Retirement?In this episode of Retire With Style, Dr. Wade Pfau and Dr. Alex Murguia are joined by behavioral finance expert Dr. Daniel Crosby to explore the intersection of wealth, values, and happiness in retirement.
Together, they unpack why aligning your spending with your personal values can lead to a more fulfilling life—and how money, when used thoughtfully, can buy happiness. The conversation dives into the psychology of financial decision-making, the role of willpower, and why experiences and time often bring more joy than material possessions.
They also examine how our values evolve over time, th...
2025-04-2251 minRetire With StyleEpisode 174: The Psychology of Investing: Understanding Market ReactionsIn this episode of Retire with Style, Wade Pfau and Alex Murguia sit down with Dr. Daniel Crosby, a leading voice in behavioral finance, to unpack the psychological side of investing in today’s volatile markets. Together, they examine how market swings and media noise shape investor behavior—and why having a thoughtful media diet and disciplined decision-making framework is more important than ever. This conversation lays the foundation for next week’s episode, where the discussion will shift toward deeper questions of wealth and meaning. Listen now to learn more!
Takeaways
Market volatility can trigger anxiety...
2025-04-1630 minRetire With StyleEpisode 174: The Psychology of Investing: Understanding Market ReactionsIn this episode of Retire with Style, Wade Pfau and Alex Murguia sit down with Dr. Daniel Crosby, a leading voice in behavioral finance, to unpack the psychological side of investing in today’s volatile markets. Together, they examine how market swings and media noise shape investor behavior—and why having a thoughtful media diet and disciplined decision-making framework is more important than ever. This conversation lays the foundation for next week’s episode, where the discussion will shift toward deeper questions of wealth and meaning. Listen now to learn more!
Takeaways
Market volatil...
2025-04-1530 minRetire With StyleEpisode 173: Navigating Market Volatility: Strategies for InvestorsIn this episode of Retire with Style, Wade Pfau and Alex Murguia dive into the current market landscape and what it means for retirement planning. They highlight the importance of staying grounded during periods of volatility and how emotions can cloud financial judgment.
Alex introduces the RAIN model—a practical framework to recognize and manage emotional responses—to help investors approach market uncertainty with mindfulness. Together, Wade and Alex unpack how psychological biases influence decision-making and why having a flexible, well-structured plan is key to weathering financial storms.
The conversation also explores strategies for resetting your...
2025-04-0849 minRetire With StyleEpisode 172: Understanding Market VolatilityIn this episode of 'Retire with Style', Wade Pfau and Alex Murguia discuss the complexities of market volatility, its implications for investors, and the current economic landscape. They discuss the nature of volatility, the significance of the VIX as a measure of market fear, and the emotional toll of daily market fluctuations. The conversation also touches on the impact of tariffs and inflation on the economy, emphasizing the importance of understanding these factors for long-term investment strategies. Alex and Wade discuss the current state of the market, focusing on the impact of the technology sector, government spending, and economic...
2025-04-0153 minRetire With StyleEpisode 171: Unlocking the Secrets of Bond LadderingIn this episode of Retire with Style, hosts Alex Murguia and Wade Pfau are joined by Nate Conrad from Lifex Funds to discuss the innovative approach to retirement income through bond ladders. The conversation explores the evolution of Lifex, the differences between traditional bond funds and bond ladders, and the design of Lifex ETFs aimed at providing consistent income for retirees. They delve into the behavioral aspects of investing in bonds, the practical applications of bond ladders in retirement planning, and the complexities involved in constructing a bond ladder. The episode emphasizes the importance of aligning investment strategies with...
2025-03-2549 minRetire With StyleEpisode 168: Funded Ratio vs. Monte Carlo: Which is Better?In this episode of 'Retire with Style', hosts Alex Murguia and Wade Pfau discuss the importance of understanding the funded ratio in retirement planning. They explore how the funded ratio compares to Monte Carlo simulations, the significance of present value in assessing retirement income, and the implications of conservative return assumptions. The conversation emphasizes the need for a solid financial plan and the upcoming retirement income challenge designed to help participants create their financial strategies. They also discuss the differences between funded ratios and Monte Carlo simulations in retirement planning. They emphasize the simplicity and intuitiveness of funded ratios...
2025-03-0445 minRetire With StyleEpisode 167: Navigating Retirement Goals: The Four L'sIn this episode of 'Retire with Style', hosts Alex Murguia and Wade Pfau delve into the intricacies of financial planning for retirement. They introduce the concept of a financial planning framework, emphasizing the importance of understanding one's goals, risks, and the alignment of assets. The discussion covers the Retirement Income Challenge, the Retirement Income Optimization Map, and the four key goals of retirement: longevity, lifestyle, legacy, and liquidity. They also explore the various types of income sources, the significance of a diversified portfolio, and how to reposition assets to meet retirement objectives. The episode concludes with a listener question...
2025-02-2537 minRetire With StyleEpisode 166: Mastering Your Financial Future: A Framework for SuccessIn this episode of 'Retire with Style', Wade Pfau and Alex Murguia discuss the importance of having a structured financial planning framework, especially in the context of retirement. They explore the psychological aspects of financial planning, including the need for a positive mindset and the impact of behavioral biases on investment decisions. The conversation emphasizes the significance of a systematic approach to financial planning, including techniques like backcasting and considering one's future self. They also address listener feedback regarding Medicare Advantage plans, highlighting the importance of thorough research in making informed decisions about healthcare options in retirement. Listen now...
2025-02-1835 minRetire With StyleEpisode 165: Tax Planning Essentials for RetireesIn this episode of 'Retire With Style', hosts Alex Murguia and Wade Pfau delve into the intricacies of tax planning for retirement. They introduce the Retirement Income Challenge, discuss the importance of understanding tax impacts on retirement income, and explore strategies such as Roth conversions and gains harvesting. The conversation also covers the evaluation of 401k versus Roth 401k contributions, maximizing charitable contributions through Qualified Charitable Distributions (QCDs), and addressing listener questions, providing valuable insights for effective retirement planning. Listen now to learn more!
Takeaways
The Retirement Income Challenge helps participants assess their retirement r...
2025-02-1137 minRetire With StyleEpisode 164: Investment Insights: What 2024 Taught UsIn this episode, Wade Pfau and Alex Murguia review 2024, focusing on the discrepancies between market predictions and actual outcomes. They discuss the impact of prognostications on investment decisions and highlight the unpredictability of markets, emphasizing the importance of a long-term perspective in financial planning. Their conversation discusses the complexities of investing, emphasizing the futility of forecasting market trends and the importance of capturing market returns. They explore various investment strategies, including the significance of risk tolerance, the role of international investing, and the ongoing debate between value and growth stocks. The discussion highlights the necessity of diversification and maintaining...
2025-02-0453 minRetire With StyleEpisode 163: 2025 Retirement Planning Guidebook Updates
In this episode of 'Retire with Style', hosts Alex Murguia and Wade Pfau discuss significant updates in retirement planning for 2025, including changes to Medicare Part D, Social Security benefits, required minimum distributions (RMDs), and new catch-up contribution limits. They also explore the implications of inflation adjustments on qualified charitable distributions, longevity annuities, and the impact of increased real interest rates on retirement funding. The episode concludes with an announcement of an upcoming webinar focused on retirement spending strategies. Listen now to learn more!
Takeaways
The new $2,000 cap on out-of-pocket spending...
2025-01-2837 minRetire With StyleEpisode 162: Retire with Style Live (not really) Q&A: Part 6In this episode of 'Retire with Style', hosts Wade Pfau and Alex Murguia, are joined by Jason Rizkallah from McLean Asset Management. They continue answering your critical questions surrounding retirement planning, focusing on the nuances of choosing between lump sum and annuity options and asset allocation strategies for retirees. They explore the implications of having reliable income sources like pensions and Social Security, and how these can influence investment strategies. The conversation emphasizes the importance of understanding personal risk tolerance and the unique circumstances of each retiree when making financial decisions. This conversation delves into the complexities of retirement...
2025-01-2148 min
ARD Crime Time – Der True Crime PodcastWer ist der Mörder meiner Mutter? – Der Cold Case Cornelia PfauVor 35 Jahren wurde Cornelia Pfau ermordet. Die Polizei konnte den Fall bis heute nicht aufklären. Deshalb will ihre Tochter Natascha Pfau nun den Mörder aufspüren. In einem bewegenden Youtube-Video wendet sie sich an die Öffentlichkeit. Natascha Pfau hofft, auf diesem Wege neue Hinweise zu bekommen. Hinweise, die dazu führen könnten, dass die Polizei Freiburg den Fall wieder aufnimmt.
Cornelia Pfau wurde am 11. Januar 1990 in einem Waldstück in der Nähe von Freiburg im Breisgau tot aufgefunden. Zwei Joggerinnen hatten die Leiche entdeckt. Die Ermittlungen ergaben, dass die damals 26-Jährige zunächst verge...
2025-01-1847 minRetire With StyleEpisode 161: Retire with Style Live (not really) Q&A: Part 5In this episode of 'Retire with Style', Alex Murguia and Wade Pfau continue answering your questions on various aspects of retirement planning, focusing on the importance of buffer assets, the impact of market volatility, and how to make accurate financial projections. They share personal updates, including plans for a pickleball tour, and delve into the complexities of economic modeling, emphasizing the need for a consistent approach to managing retirement income and expenses. They also discuss the significance of tax efficiency in managing taxable investments and how funded ratios can influence retirement strategies. The dialogue emphasizes the need for consistency...
2025-01-1453 minRetire With StyleEpisode 160: Retire with Style Live (not really) Q&A: Part 4In this episode of 'Retire with Style', hosts Alex Murguia and Wade Pfau engage in a lively discussion about various financial strategies for retirement. They explore the differences between Health Savings Accounts (HSAs) and Roth IRAs, emphasizing the tax advantages of HSAs. The conversation also delves into the implications of investing in Real Estate Investment Trusts (REITs) and the importance of asset allocation. Additionally, they clarify common misconceptions about tax planning for individuals versus married couples, particularly regarding Medicare and Social Security. Alex and Wade also discuss various investment strategies, particularly focusing on Warren Buffett's investment guidelines, stock allocation...
2025-01-0746 minRetire With StyleEpisode 159: Retire with Style Live (not really) Q&A: Part 3In this conversation, Wade Pfau and Alex Murguia discuss various aspects of retirement planning, focusing on withdrawal strategies, investment diversification, tax-efficient withdrawals, and the implications of the wash sale rule. They emphasize the importance of having a reliable income stream during retirement and explore different strategies for managing investments and withdrawals to optimize financial security. The discussion also touches on the nuances of taxable versus tax-deferred accounts and the role of annuities in retirement planning. Listen now to learn more!
Takeaways
Reliable income from pensions can cover basic expenses.
Constant percentage withdrawal strategies can l...
2024-12-3127 minRetire With StyleEpisode 157: Retire with Style Live (not really) Q&A Part 1In this episode of 'Retire with Style', Wade Pfau and Alex Murguia tackle a variety of questions related to retirement planning, including the necessity of international stocks, the implications of Roth conversions, and strategies for purchasing property with retirement funds. They also discuss potential reforms in Medicare and Social Security, and the importance of understanding funded ratios in retirement planning. The conversation emphasizes the need for diversification in investment portfolios and the significance of reliable income in retirement. Listen now to learn more!
Takeaways
International stocks are not required but can provide diversification.
Roth c...
2024-12-1738 minRetire With StyleEpisode 155: Navigating Roth Conversions: Key Strategies and InsightsIn this episode of 'Retire with Style', hosts Alex Murguia and Wade Pfau delve into the complexities of Roth conversions, discussing strategies, constraints, and the importance of diversified accounts. They explore how to approach Roth conversions effectively, considering factors like income needs, tax implications, and the innovative concept of tax mapping to optimize retirement planning. They also delve into the complexities of tax planning, particularly focusing on the tax map concept, effective marginal tax rates, and the strategic importance of Roth conversions. Their discussion also touches on how various income sources, including Social Security and investment income, interact with...
2024-12-0348 minRetire With StyleEpisode 154 The Financial Advisor's Guide to Roth Conversions Part 2In this episode of 'Retire with Style', hosts Alex Murguia and Wade Pfau, along with guest Rob Cordeau, continue their conversation into the complexities of Roth conversions and their implications for tax efficiency in retirement planning. They discuss the nuances of paying taxes on conversions, the importance of understanding tax brackets, and the impact of the SECURE Act on intergenerational wealth transfer. The conversation emphasizes strategic planning to optimize tax outcomes for both current and future generations, highlighting the need for a dynamic approach to retirement income management. They highlight the value of having a diversified tax strategy to...
2024-11-2640 minRetire With StyleEpisode 153: The Financial Advisor's Guide to Roth ConversionsIn this episode, Alex Murguia and Wade Pfau are joined by Rob Cordeau to discuss the complexities and strategies surrounding Roth conversions. They emphasize the importance of long-term tax planning and the various factors that influence the decision to convert traditional IRAs to Roth IRAs. They explore the perspectives of financial advisors versus accountants, the timing of conversions, and the emotional aspects of financial planning. The conversation also touches on the implications of national debt and future tax rates, providing insights into how clients can navigate these decisions effectively. Listen now to learn more!
Takeaways
2024-11-1936 minRetire With StyleEpisode 152: Navigating Holiday Money TalksIn this episode, hosts Wade Pfau and Alex Murguia engage with Dan Veto to discuss the complexities of money conversations that arise during the holiday season. They explore the concept of the 'family bank,' where family members often turn to one another for financial support, and the emotional dynamics that accompany these requests, including love, guilt, and cultural influences. The conversation also touches on the importance of setting boundaries and understanding the implications of lending money within families. They also touch on creative ways to decline financial requests while maintaining family relationships, emphasizing the significance of context in...
2024-11-1257 minRetire With StyleEpisode 151: Financial Strategies for Early RetirementIn this episode of 'Retire with Style', hosts Alex Murguia and Wade Pfau with Jessica Wunder from McLean Asset Management delve into the complexities of early withdrawals from retirement accounts, specifically IRAs and 401(k)s. They discuss the penalties associated with early withdrawals, the Rule of 55, and various exceptions allowing penalty-free access to funds. The conversation highlights the differences between IRAs and 401(k)s, including specific exceptions applicable to each type of account. In this conversation, the speakers discuss the new exceptions introduced by Secure Act 2.0, including emergency withdrawals and disaster recovery relief. They delve into various early withdrawal...
2024-11-0542 min
MORD HOCH ZWEI - Ein True Crime Podcast#11 Natascha will Antworten: Wer hat ihre Mutter Cornelia Pfau ermordet?
An einem frostigen Januarmorgen 1990 machen Joggerinnen im Wald bei Ebringen eine grausige Entdeckung: die Leiche der 26-jährigen Cornelia Pfau, die am Tag zuvor spurlos verschwand. Die letzte Spur zeigt sie an einer Bushaltestelle, wo sie in ein fremdes Auto stieg. Doch was geschah dann? Trotz gesicherter DNA und jahrelanger Ermittlungen fehlt jede Spur des Täters. Cornelia Pfaus Tochter Natascha kämpft allein darum, das Geheimnis zu lüften. Wer verbirgt sich hinter diesem Cold Case?
Wir haben mit Natascha Pfau gesprochen.
Ergänzende Infos auf www.instagram.com/mordhochzwei.truecrimepodcast
Credit:
2024-11-0556 min
Abuse Guardian - A Podcast For Survivors Of Sexual AbuseSexual Trauma Lawyer Mike Pfau WashingtonSexual Trauma Lawyer Mike Pfau WashingtonMichael Pfau, a Washington-based attorney, has dedicated years to supporting survivors of traumatic sexual abuse. As an affiliate of Abuse Guardians, Pfau offers compassionate legal representation to those who have endured sexual assault or misconduct.Experienced Sexual Trauma AttorneyPfau has successfully represented numerous survivors, recovering substantial damages from various institutions, including religious organizations and youth groups. His approach goes beyond typical personal injury cases, recognizing the unique and complex nature of sexual abuse trauma.
2024-10-0801 minRetire With StyleEpisode 147: Navigating Medicare and Tax PlanningIn this episode, Alex Murguia and Wade Pfau delve into the complexities of tax planning related to healthcare, focusing on Medicare premiums and the implications of income on these costs. They discuss the Income Related Monthly Adjustment Amount (IRMA) and how it affects Medicare premiums, emphasizing the significant impact of seemingly small increases in income. The conversation also covers the Affordable Care Act subsidies, highlighting the double-whammy effect of income on both Medicare and ACA costs. The importance of holistic financial planning is underscored, as the hosts stress the need to consider these factors together to avoid costly pitfalls...
2024-10-0837 minRetire With StyleEpisode 146: The Concept of the 'Tax Torpedo'In this episode of 'Retire with Style', hosts Alex Murguia and Wade Pfau delve into the concept of the 'tax torpedo', a phenomenon affecting the taxation of Social Security benefits. They explore how increased taxable income can lead to a significant rise in the percentage of Social Security benefits that are taxed, particularly for middle-class retirees. The discussion covers the mechanics of the tax torpedo, the implications of provisional income, and strategies for effective retirement income planning to mitigate its effects. Through case studies and real-world examples, the hosts emphasize the importance of proactive tax planning to avoid unexpected...
2024-10-0131 minRetire With StyleEpisode 145: Mastering Tax-Efficient WithdrawalsIn this episode of 'Retire with Style', Alex Murguia and Wade Pfau delve into tax-efficient withdrawal strategies for retirement. They discuss the importance of withdrawal order sequencing, the types of accounts available for withdrawals, and effective marginal tax rate management. The conversation highlights techniques for generating taxable income, including Roth conversions and long-term capital gains harvesting, while emphasizing the need to maintain asset allocation integrity throughout the retirement income distribution process. The episode sets the stage for future discussions on social security and Medicare implications in retirement planning. Listen now to learn more!
Takeaways
T...
2024-09-2438 minRetire With StyleEpisode 141: Tax-Efficient Retirement DistributionsIn this episode, Alex and Wade introduce a new arc on tax-efficient retirement distributions. They discuss the importance of tax planning and how it can add value to your bottom line. They explain the concept of marginal tax rates and how they differ from average tax rates. They also touch on state income taxes, filing options, and the different federal income tax brackets. Additionally, they mention other types of taxes, such as social security and Medicare payroll taxes. In this conversation, Wade Pfau and Alex Murguia discuss various aspects of income taxation and deductions. They cover topics such as...
2024-08-2753 min
Abuse Guardian - A Podcast For Survivors Of Sexual AbusePsychiatrist Abuse Lawyer Mike Pfau WashingtonPsychiatrist Abuse Lawyer Mike Pfau WashingtonSexual abuse by mental health professionals is a grave violation of trust that can leave deep emotional scars. For those in Washington who have endured such trauma, Mike Pfau stands as a dedicated legal ally. As an affiliate of Abuse Guardians, Pfau specializes in representing survivors of sexual abuse committed by psychiatrists, therapists, psychologists, and other mental health practitioners.Legal Expertise and Compassionate RepresentationWith years of experience handling these sensitive cases, Pfau understands the complex legal...
2024-08-2201 min
Abuse Guardian - A Podcast For Survivors Of Sexual AbuseFoster Care Abuse Lawyer Mike Pfau WashingtonFoster Care Abuse Lawyer Mike Pfau WashingtonMike Pfau stands as a beacon of hope for many survivors of foster care abuse in Washington. As a dedicated lawyer affiliated with Abuse Guardians, he has made it his mission to fight for those who have suffered in silence. His work is not just about legal battles; it's about giving survivors a voice and a chance to reclaim their lives.The Role of a LawyerIn the realm of foster care abuse, the role of...
2024-08-2001 min
Abuse Guardian - A Podcast For Survivors Of Sexual AbuseSex Trafficking Lawyer Mike Pfau WashingtonSex Trafficking Lawyer Mike Pfau WashingtonAs an affiliate of Abuse Guardians, MIke Pfau provides specialized legal services tailored to the needs of sex trafficking victims throughout Washington, including major cities like Seattle, Spokane, Tacoma, Vancouver, and Bellevue. His approach combines legal expertise with compassion, recognizing the unique challenges and trauma that each survivor faces.Proven Track RecordPfau has a remarkable history of achieving significant victories against powerful entities involved in human trafficking. Notably, he has successfully litigated cases against operations such...
2024-08-0101 min
Abuse Guardian - A Podcast For Survivors Of Sexual AbuseDoctor Abuse Lawyer Mike Pfau WashingtonDoctor Abuse Lawyer Mike Pfau WashingtonIn the heart of Washington, a dedicated attorney has made it his mission to provide a voice for those who have suffered at the hands of medical professionals. Mike Pfau, an affiliate of the esteemed Abuse Guardians organization, has carved out a niche as a champion for child victims of doctor abuse.Securing Justice and Support for Victims Sexually Assaulted by Medical ProfessionalThrough his work, Pfau has successfully secured substantial settlements and verdicts...
2024-07-3101 minRetire With StyleEpisode 137: The Evolution of Messaging in the Financial Advisory IndustryIn this episode, Wade and Alex discuss the evolution of messaging in the financial advisory industry and the importance of retirement income planning. They highlight the transition from brokers to investment managers to wealth managers and the shift from accumulation to decumulation. They emphasize the need for comprehensive financial planning that considers both the asset and liability sides of the balance sheet. They also discuss the challenges of retirement income planning, including longevity and liquidity risks, and the importance of addressing these risks in a client's financial plan. In this conversation, Wade Pfau and Alex Murguia discuss the signs...
2024-07-3051 min
Abuse Guardian - A Podcast For Survivors Of Sexual AbuseBoarding School Abuse Lawyer Mike Pfau WashingtonBoarding School Abuse Lawyer Mike Pfau WashingtonIn the heart of Washington, Mike Pfau stands as a beacon of hope for those who have endured the unimaginable trauma of abuse within the walls of boarding schools. As an affiliate of the organization Abuse Guardians, Pfau has dedicated his career to fighting for the rights and healing of the vulnerable children who have been subjected to such horrors.Commitment From Experienced Boarding School Sexual Abuse AttorneyPfau's unwavering commitment to his...
2024-07-3001 minRetire With StyleEpisode 135: RISA® in Action with James MatthewsIn this conversation, Wade Pfau, Alex Murguia, and James Matthews discuss retirement income and the Retirement Income Style Awareness (RISA) framework. James shares his background in the retirement income space and his realization that traditional retirement planning advice was lacking. The conversation touches on the limited investment options in 401(k) plans and the need for a holistic view of retirement income. They also discuss the importance of risk management and the gaps in the current financial planning curriculum. Overall, the conversation highlights the need for a more comprehensive approach to retirement income planning. The conversation explores the need for...
2024-07-1659 minRetire With StyleEpisode 132: YouTube Live Q&A (Part 3)
In this conversation, Alex Murguia and Wade Pfau discuss various topics related to retirement planning, including glide paths, asset allocation, index funds, and tax planning. They address questions about implementing a rising equity glide path, asset allocation across different types of accounts, the performance of index funds, and the availability of withdrawal strategy software for retirees. They also touch on the topic of Medicare and HSA contributions. Overall, the conversation provides valuable insights into retirement planning strategies and considerations.
Takeaways
Implementing a glide path for retirement a...
2024-06-2535 minRetire With StyleEpisode 129: YouTube Live Q&A (Part 1)In this conversation, Wade Pfau and Alex Murguia discuss retirement planning and how to determine how much can be spent from a portfolio without running out of money. They touch on the use of Monte Carlo simulations and the funded ratio approach. They also highlight the limitations of Monte Carlo simulations and the importance of considering the magnitude of failure and the potential for underspending in retirement. The conversation emphasizes the need for individualized planning and the importance of working with a financial advisor. The conversation in this part focuses on the funded ratio and its implications for retirement...
2024-06-0443 minRetire With StyleEpisode 127: Long-Term Care Planning (Part 11): Traditional Long-Term Care Insurance PoliciesIn this conversation, Alex and Wade discuss traditional long-term care insurance policies. They address the declining popularity of these policies and the shift towards hybrid policies. They also cover topics such as premium payments, care coordinators, and the importance of starting early with long-term care planning. Wade emphasizes the need to read the specific details of the policy and the potential for premium hikes. They also mention the option of Medicaid for those with limited assets. Overall, the conversation highlights the considerations and factors involved in choosing a long-term care insurance policy. In this conversation, Wade Pfau and Alex...
2024-05-2148 minRetire With StyleEpisode 124: Insights into Continuing Care Retirement Communities with Rob CordeauIn this episode, Wade Pfau and Alex Murguia are joined by Rob Cordeau to discuss Continuing Care Retirement Communities (CCRCs). They provide an overview of what CCRCs are and how they relate to long-term care planning. They also explore how CCRCs can be an alternative to long-term care insurance and the different financing models for CCRCs. The conversation covers topics such as the large upfront costs of CCRCs, the benefits of living in a CCRC, and the options for refundable entrance fees. Rob Cordeau provides insights into continuing care retirement communities (CCRCs). He clarifies that purchasing a CCRC is...
2024-04-3049 minRetire With StyleEpisode 120: The Role of IMOs with Dennis MatternIn this episode, Wade Pfau and Alex Murguia interview Dennis Mattern from Creative One about the role of Independent Marketing Organizations (IMOs) in the financial industry. They discuss the difference between captive and independent advisors, the services provided by IMOs, and the importance of infrastructure for advisors. They also explore the marketing support and business partnership that IMOs offer to help advisors engage new prospects and expand their businesses. In this conversation, Dennis Mattern discusses various marketing approaches and strategies for financial advisors. He emphasizes the importance of understanding social media preferences and recognizing the different generations. Dennis explains...
2024-04-041h 00
WealthStyle PodcastDecreasing Investment Loss During Retirement with Dr. Wade PfauRetirement income relies solely on the investments and savings created while you still have a paycheck. Leveraging the right tools can decrease the amount loss from market volatility, while keeping you afloat.
In this episode, Iván Watanabe and Evan Wohl are joined by Dr. Wade Pfau, Ph.D, CFA, RICP, founder of Retirement Researcher, and professor at The American College of Financial Services, to discuss some of the research behind retirement planning, and how to increase security around your retirement funds.
Iván, Evan and Wade discuss:
The difference between the accumulation phase an...
2022-12-1237 min
Breakthrough AdvisorThe New Retirement Mindset with Dr. Wade Pfau (Ep.37)Creating an effective retirement plan can be difficult when trying to prepare for the unexpected.
So, how to maximize income while minimizing pitfalls?
In this episode, Jack Martin is joined by Dr. Wade Pfau from The American College of Financial Services. Dr. Pfau unveils must-know strategies for effective retirement planning while detailing the tips and tricks you need to maximize your client’s retirement income through tax planning and efficient distribution.
Dr. Pfau discusses:
How inflation impacts the amount of retirement income needed
The difference between reliable income and gap income
How to...
2022-11-0930 min
Breath In, Write OutNon-Traditional University ExperienceThis week’s episode is about the online undergraduate experience. Going to university is a wonderful opportunity to not only learn about a diverse array of subjects, but also make friends and build social networks. There are several universities in Canada that operate solely online, such as Athabasca University. Online universities are a great resource for students who are in remote areas or mature students, but it can be hard to cultivate the same interpersonal relationships as being on campus studying. We thought this would be a good topic to discuss as many students have been and are continuing to...
2022-08-051h 13
The Long ViewWade Pfau: The Risks of Retirement TodayOur guest on the podcast today is Wade Pfau. He is professor of retirement income in the Ph.D. in financial and retirement planning program at the American College of Financial Services. He is also co-director of the American College Center for Retirement Income and RICP program director at the American College. Pfau has written several books, including his most recent, Retirement Planning Guidebook. He is a co-editor of the Journal of Personal Finance, and he publishes frequently in a wide variety of academic and practitioner research journals. He hosts the Retirement Researcher blog and is a regular contributor...
2022-08-0257 min
SIWIKE “Stuff I Wish I Knew Earlier”: the podcastPolitical Science, Chinese History, and Writing Coach - Lisa Pfau LP-001 MENTOR CORNEROn this episode of the SIWIKE podcast, Luki and Lisa have a conversation about Lisa's journey to creating her own writing coach business. She also shares some of his SIWIKE (Stuff I Wish I Knew Earlier).
Connect with Lisa at: https://www.linkedin.com/in/lisapfau/
Check out her website: https://pfau.ca/
Listen to the episode for more details!
Watch the episode here: https://youtu.be/563epdE3y6g
Special thanks to https://www.instagram.com/lincolnalexanderthe2nd/ for the theme music
Want more personalized career coaching or...
2022-01-1944 min
Breath In, Write OutConducting Research in SociologyThis week’s episode is about the study of Sociology. Sociology is the study of human interaction or individuals as members of a group. Many students take a first-year Sociology course unsure what it is about and may even leave the course confused or overwhelmed by the breadth of information and topics that can be researched in the field of Sociology. In particular, students coming out of high school may be unfamiliar with the use of theories and methodologies to conduct research and write papers.
This week’s guest is Jemimah Amos, PhD candidate in Sociology at the...
2022-01-141h 09Breath In, Write OutPlayful ProseThis week’s episode is about overcoming the tortures of writer’s block. So often students avoid starting a paper because of the pain associated with writing that first sentence, but writing doesn’t have to be so terrible. In fact, in many cases, it can be fun. It is an artform after all. Today we’ll be talking about how to make writing enjoyable, and even playful.
This week’s guest is Davood Gozli, PFAU Academic Writing editor and coach, specializing in Psychology. Davood has over seven years of university-level teaching experience, a BSc from Trent University...
2021-11-261h 04Breath In, Write OutLiterary Analysis 101This week’s episode is about the art of writing a literary essay, something a little different than a research paper. For students accustomed to essays that require a lot of research, citations, and arguments on a specific topic, writing an essay for English 101 or Grade 12 English can be a real puzzle. This type of essay necessitates a more in-depth analysis of a particular text, or oftentimes only an excerpt of text. At first glance, it may seem easy, but it actually takes a high level of skill to write a strong literary essay. We thought this topic would be...
2021-11-1258 minBreath In, Write OutLiterary Analysis 101This week’s episode is about the art of writing a literary essay, something a little different than a research paper. For students accustomed to essays that require a lot of research, citations, and arguments on a specific topic, writing an essay for English 101 or Grade 12 English can be a real puzzle. This type of essay necessitates a more in-depth analysis of a particular text, or oftentimes only an excerpt of text. At first glance, it may seem easy, but it actually takes a high level of skill to write a strong literary essay. We thought this topic would be...
2021-10-221h 11Breath In, Write Out1st Year Law School ExperienceWe interviewed Yiwei Jin, PFAU Academic writing and applications coach, Yiwei Jin, about his 1st-year law school experience. This week’s episode is meant to give undergraduate students interested in Law School some insights into what it is really like. The lawyers as seen on TV are not necessarily representative of the real experience of studying law or becoming a lawyer. Today, we hope to dispel some of those myths.
Yiwei has a Masters in Political Science and Asian Studies from the University of Toronto, and has recently finished his first year of Law at the UofT as...
2021-09-251h 02
Breath In, Write OutExam AnxietyThis week’s episode is about the stress caused by assignments and exams. We thought this topic would be helpful to our listeners who are about to enter the final exam season. Exam anxiety is a real and serious problem that can hinder students' academic performance.
This week I, Jane Jingyi Miao, creative and marketing assistant at PFAU Academic Writing, will be interviewing Lisa Pfau, the founder and CEO of Pfau Academic Writing. As you may know, Lisa has over 20 years of experience supporting students through academic challenges. I first met Lisa three years ago as a fi...
2021-04-241h 00Breath In, Write OutThe Art of ProofreadingThis week’s episode is something students often take for granted - editing! Good writers know that the first draft is never going to be their best work. They need to put aside time to revision, edit, and proofread their work. The best writers have colleagues or professionals to provide them with insights on their work and to fix any technical issues. Like all art, writing takes multiple drafts to reach a level of greatness.
This week’s guest is Daina Sparling, an editor and proofreader at PFAU Academic Writing. Daina has a Psychology degree from the Univ...
2021-04-0343 minBreath In, Write OutGrade AppealThis week’s episode is about how to successfully appeal a grade. Sometimes students work really hard on an assignment, but they do not get the grade they are expecting. This is usually because of a misunderstanding between the marker and the student. In these cases, it is often helpful to meet with your TA or professor to discuss the grading. These discussions are more challenging during Covid-19 because of social distancing; however, it is possible with strategies to successfully negotiate a better grade.
This week we are changing things up. The host of this week's podcast is...
2021-03-1947 minBreath In, Write OutWriting the Research PaperThis week’s episode is about what it takes to write a solid research paper. We thought this topic would be helpful to our listeners who are currently working on their term research papers and feeling a bit overwhelmed. While writing can be stressful and time-consuming, a well-thought out and detailed research, note-taking, and planning process can make writing much easier.
Today’s guest is Amanda Christie, academic writing coach and editor at PFAU Academic Writing. Amanda comes from a family of teachers and professors. She is no slouch herself. She has a BA (Hons) in Global Deve...
2021-02-2637 minBreath In, Write OutThe Art of ProofreadingThis week’s episode is something students often take for granted - editing! Good writers know that the first draft is never going to be their best work. They need to put aside time to revision, edit, and proofread their work. The best writers have colleagues or professionals to provide them with insights on their work and to fix any technical issues. Like all art, writing takes multiple drafts to reach a level of greatness.
This week’s guest is Daina Sparling, an editor and proofreader at PFAU Academic Writing. Daina has a Psychology degree from the Univ...
2021-02-1343 minBreath In, Write OutAcademic IntegrityThis week’s episode is about academic integrity. For students going from high school to university, especially from other countries with different expectations, the ideas of academic integrity and plagiarism takes time to adjust to. Violations of academic integrity can lead to serious consequences from verbal reprimand to notation on the transcript or even suspension from school. During COVID-19, the issue of academic misconduct has heightened since schools can no longer use exam centres and classrooms, making them more concerned about cheating. This additional pressure has led to some misunderstandings and false accusations.
After graduating in 2007, Lisa Pf...
2021-01-2955 minBreath In, Write OutUniversity ApplicationThis week’s episode is about applying for university or college from high school, a critical step in many students’ lives. It is important to be fully prepared by exploring the programs and/or schools of interests, admission requirements, and application processes as there are different requirements. Extensive research and a solid plan are necessary to succeed in the application process.
This week’s host is Jane Miao, the Creative and Marketing Assistant at PFAU Academic Writing. She will be interviewing me, Lisa Pfau, founder and CEO of Pfau Academic Writing. As you may know, I have over 2...
2021-01-2350 minBreath In, Write OutGrade AppealThis week’s episode is about how to successfully appeal a grade. Sometimes students work really hard on an assignment, but they do not get the grade they are expecting. This is usually because of a misunderstanding between the marker and the student. In these cases, it is often helpful to meet with your TA or professor to discuss the grading. These discussions are more challenging during Covid-19 because of social distancing; however, it is possible with strategies to successfully negotiate a better grade.
This week we are changing things up. The host of this week's podcast is...
2020-12-0546 minBreath In, Write OutThe Art of Poetry and Creative WritingThis week's episode is about self-expression through poetry and creative writing. Anyone has the capacity to write a poem!
This week’s guest is Christie Wong, a Creative Writing Instructor and Coach at PFAU: Academic Writing. Christie specializes in teaching creative writing, with a focus on poetry. She self-published her own poetry book in her youth and was an Artist in Residence at Project 40 Collective in 2019.
Tune in to find out more!
2020-10-2441 minBreath In, Write OutWriting a Personal StatementThis week's episode is an interview with PFAU Academic Writing CEO, Lisa Pfau, on her journey to becoming a writing coach and entrepreneur, as well as her love for writing and helping students. As we head back to into the Fall and many 4th year students and recent grads may be thinking of next steps, Lisa P. also provides listeners with some great tips on what to think about when applying to grad school and how to write a solid personal statement. Always ready for some advice, she couldn't avoid it even though the interview was about her in...
2020-08-1544 min
The Money Advantage PodcastMaximizing Retirement Income with Whole Life Insurance – Dr. Wade Pfauhttps://www.youtube.com/watch?v=AO7Y3RkLaFI
Want to get the most income later in life? Your success depends not on one product, but the coordination of financial tools and your entire personal financial system. Whether your focus is on acquiring cash-flowing assets or you have a more typical investment portfolio, whole life insurance and annuities can play a critical role. That's why we’re talking with Dr. Wade Pfau, a widely-recognized expert on income strategies with whole life insurance.
So if you want to get the most income during retirement, have the greatest chance of not running out o...
2020-08-031h 00Breath In, Write OutFinding a Job During COVID-19We interviewed Alif Huq, a content marketing specialist and job hunting expert, about navigating the changing job market during COVID-19. Finding a job can be a daunting and competitive process under normal circumstances. The current uncertainty about the economy can be especially stressful, which makes staying prepared and alert all the more useful. Listen to find out some of the excellent advice Alif has for job hunters!
You can find out more about PFAU Academic Writing at pfau.ca, and about Alif on LinkedIn, where he offers webinars and tips, as well as @alifioson Instagram.
W...
2020-06-1350 minBreath In, Write OutApplying to Grad School During COVID-19Our first podcast explores the difficulties students may face in applying to graduate school in the face of the COIVD-19 pandemic. Hosts Lisa P. And Lisa M. invite Yiwen Jin, a grad school admissions coach at PFAU: Academic Writing, to the podcast to answer some questions about the application process and how to prepare for it.
Yiwei recently graduated with an MA in Political Science from the University of Toronto specializing in Asian studies and comparative politics and is currently interning at the Asia Pacific Foundation in Vancouver. He will be attending Law School at UofT in t...
2020-05-2342 minThe Long ViewWade Pfau: The 4% Rule Is No Longer SafeOur guest on the podcast is retirement researcher Dr. Wade Pfau. Wade is a professor of retirement income in the Ph.D. in Financial and Retirement Planning program at the American College of Financial Services. He is also co-director of the New York Life Center for Retirement Income. A prolific writer and researcher, Wade has authored papers and books on a wide spectrum of retirement-related topics, including in-retirement withdrawal rates, optimal asset allocations for retirement, and the role of annuities in retirement portfolios. He is a two-time winner of the Journal of Financial Planning's Montgomery-Warschauer Award, a two-time winner...
2020-04-2954 min