Shows
Retirement Answer ManRetirement Plan Live Debrief with Tanya Nicholsđź’¬ Show NotesIn this episode, we explore the essential questions of retirement planning with financial expert Roger Whitney and guest Tanya Nichols from Align Financial. They dissect the case studies of Laura and Nick, highlighting their unique approaches to retirement and how their lifestyles influence their financial decisions. Tune in for insights on spending, confidence in planning, and the importance of resilience in your retirement strategy!OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) Stage one of retirement planning involves answering the central questions(00:54) Today, Roger chats wit...2025-02-1940 min
Retirement Answer ManDon't Fly by Feeling in Retirementđź’¬ Show NotesIn this episode, we explore the complexities of retirement planning amidst a rapidly changing economic landscape. Join us as we discuss the importance of having a structured decision-making process and avoiding unforced errors that could jeopardize your financial future. We also share insights on how to navigate uncertainty in the market and the significance of clarity in your retirement planning. Don't miss out on the actionable tips that could help you rock your retirement!OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:55) In a couple of...2025-02-0536 min
Retirement Answer ManRetiring Single with Tanya Nichols, CFPđź’¬ Show NotesWelcome to 2025! In this episode, we kick off the new year with Tanya Nichols from Align Financial to discuss the unique considerations of retiring single with no children. As part of our January series, Retirement Plan Live, we explore the journey of two individuals, a man and a woman, both navigating retirement alone. From planning for legacy and financial security to building a supportive social network, we delve into the complexities and opportunities faced by singles at or near retirement. Join us as we unpack the essentials of retirement planning for singles and...2025-01-0136 min
Retirement Answer ManClose Out the Year with IntentionIn this special Christmas Day episode, we explore the art of reflection as we approach the end of 2024. Join us as we dive into Tanya Nichols' year-end reflection protocol and challenge ourselves to look back on our successes, failures, and lessons learned. We'll also answer listener questions on topics ranging from Roth contributions to mortgage strategies. Plus, get a sneak peek into 2025 with upcoming episodes focused on retiring single and live case studies. Don't miss this opportunity to glean wisdom and set intentions for the new year.PRACTICAL PLANNING SEGMENTÂ (00:45) It is a...2024-12-2530 min
Retirement Answer ManYear-End Planning: Charitable and Family GivingWelcome to another episode dedicated to enhancing your retirement journey! Today, we wrap up our series on year-end action items with a focus on charitable and family giving. Discover how strategic charitable contributions can optimize your tax plan and learn about family giving opportunities that can make a difference. We also address your questions and share essential updates, including a correction on HSA contribution limits and an exciting upcoming live case study. Plus, get ready for a December packed with insightful guests like Christine Benz and Michael Easter. Dive in and explore ways to rock your retirement with confidence!2024-11-2740 min
Retirement Answer ManHow Systems Thinking Can Improve Your Retirement with Rick NasonThis month we celebrate the Retirement Answer Man’s 10th anniversary milestone with several guests throughout the month. Today we welcome Professor Rick Nason, author of It’s Not Complicated, to discuss complicated vs complex thinking. If that discussion didn’t Stick around for the listener questions with Tanya Nichols and Bring It On with Dr. Bobby Dubois OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN COMPLICATED VS COMPLEX THINKING WITH PROFESSOR RICK NASON [4:20] Defining simple, complicated, and complex[9:11] Why it is important to identify whether you’re dealing with complicated vs complex[18:10] How to approach c...2024-03-061h 26
Retirement Answer ManShould I Invest in Individual Stocks or ETFs in Retirement?Is it worth investing in individual stocks or should you simply go with ETFs? Joe has recently parted ways with his financial planner and is beginning to manage his portfolio himself and was wondering about the benefits of these choices. Tanya Nichols and I will explore Joe’s questions as well as others on this episode of Retirement Answer Man. Listen in to hear the benefits of owning ETFs vs individual stocks, how to structure your Roth conversions, and what to do about health insurance before Medicare. Making decisions is rarely a cut-and-dry process When maki...2022-12-0747 min
Retirement Answer ManWill My Social Security Benefit Be Impacted by My Divorce?Does navigating this bear market in retirement terrify you? If so, you are not alone. No one can (or should try to) predict what will happen next. A financial advisor’s advice during bear markets is often ”stay the course,” however this can leave one feeling powerless. On this episode of The Retirement Answer Man, Tanya Nichols and I analyze what you can do if you are feeling terrified in a bear market, you’ll also learn how to navigate Social Security and an ex-spouse, and how to use retirement funds to self-insure long-term care. Press play to hear T...2022-07-2046 min
Retirement Answer ManHow Will Inflation Impact My Retirement?Inflation is on everyone’s mind these days. If you have been wondering how inflation will affect your retirement, you’ve come to the right place.This is the 2nd episode in a 4 part series on inflation. Last week we defined inflation, today, we’re discussing the impact of inflation on retirement, next week we get strategic, and in the final episode, we’ll get tactical and answer your questions on inflation.Press play to learn what you need to know about the effects of inflation on your retirement. Just choose a number Inflation...2022-02-0953 min
Retirement Answer ManListener Questions: Which Account Should I Withdraw from to Fill Up My Tax Bracket?Ever since listeners enjoyed our Retirement Tax Management series with Andy Panko we have received an influx of questions surrounding taxes. I’ll answer several questions today about filling up your tax buckets. I’ll also respond to queries about planning when to take Social Security when you will have excess RMDs and how to incorporate balanced funds into your asset allocation. Don’t miss this episode if you still have burning tax questions left over from last month’s series on retirement tax management. The Rock Retirement Club has so much to offer The Rock Retir...2021-11-0918 min
Retirement Answer ManWomen, Money, and Retirement: How Do I Plan for Retiring Alone?Women ask many types of questions that men don't, which is why we’re dedicating this entire month to a series on women, money, and retirement. This series gives you the space to dig in, have your voice heard, and your questions answered. You’re listening to the 3rd episode in this series and today we’ll be answering so many of your questions. Tanya Nichols from Align Financial joins me once again to add her womanly input and expertise. There are a lot of women out there with similar concerns. Are you one of them? Find...2021-08-1843 min
Retirement Answer ManWomen, Money, & Retirement: How Can I Feel Confident Enough in My Plan?Welcome back to the 2nd episode of the Women, Money, and Retirement series. All month long we will be discussing issues specific to women in retirement. Since I am not a woman, I have invited Tanya Nichols from Aligned Financial to co-host the show with me throughout this series. Tanya is here to provide a woman’s perspective and to help me answer your questions. If you are a woman you won’t want to miss this series that is created especially for you What does it mean to rock retirement? If you have listened to the show b...2021-08-1143 min
Retirement Answer ManWomen, Money, and Retirement: What’s Different About Us?With the financial industry being dominated by men, it makes sense to dedicate time to focus solely on financial issues related to women. Since I am not a woman and can’t speak personally about these issues, I have invited my good friend, Tanya Nichols from Align Financial, to help me tackle this month-long series on Women, Money, and Retirement. Tanya is one of Investopedia’s Top 100 financial advisors and she and her firm work mainly with women. I’m excited to have Tanya help me explore this area further. We can tackle your questions and you can gain...2021-08-0442 min
Retirement Answer ManListener Questions: Should I Pay Off the Mortgage or Keep the Cash if I’m About to Retire?Welcome back to the Retirement Answer Man show. This month we have stepped away from our typical monthly themes, and instead, we are tackling your listener questions regarding retirement. Make sure to listen in July as we discuss retirement withdrawal strategies and join Tanya Nichols and me in August to discuss women in retirement. Check out this episode to hear how you can create your retirement lifestyle framework, how to source your retirement paycheck, and whether it is best to keep the cash or pay down the mortgage. Finding a retirement lifestyle framework A big pa...2021-06-2326 min
Retirement Answer ManListener Questions: How Do I Account for My Pension on a Net Worth Statement?You’ve got retirement questions; I’ve got answers. This month I’m tackling your listener questions. I’m also taking time to reflect on random thoughts I have about the retirement scene. Join me for this laid-back month with no set theme to learn the answers to questions from listeners like you. Random thoughts on the retirement scene Retirement planning is not about optimizing returns. It is about securing outcomes so that you can feel confident that you can live the life you truly want. You can accomplish anything if you can just get over yourself. Life happens in...2021-06-1634 min
Retirement Answer ManListener Questions: How Do Rental Properties Fit into My Retirement Plan?This month on the Retirement Answer Man show, we are tackling your listener questions. Although we don't have a monthly theme like we usually do, I am also sharing my random thoughts from the retirement scene. If you miss the monthly theme, you can look forward to July and August. In July we’ll be discussing your withdrawal strategy for retirement and August will be a month dedicated to women in retirement. Since I can’t speak to being a woman, Tanya Nichols will join me then to share her wisdom. Make sure to join us for those...2021-06-0935 min
Retirement Answer ManLet’s Get Physical - 5 Tips for Excellent NutritionIf you are interested in living a healthy life you have to consider the food that you put into your body. The food you consume fuels your body and shapes your life. On this episode of Retirement Answer Man, you’ll learn 5 tips for ensuring excellent nutrition. You’ll also discover a few resources that can help you improve your thinking around nutrition. Grab your headphones and dive into this episode so that you can rock retirement by living a healthy life. What is diet? Americans have an interesting relationship with the word diet. The word often invok...2021-02-1735 min
Retirement Answer ManLet’s Get Physical: Maintaining Your Strength and MobilityTo rock retirement, you have to have the right tools, and the most important tool you have is your body. To keep up your strength and mobility your body needs to be fine-tuned. On this episode of Retirement Answer Man, we continue discussing your physical health. You’ll learn what you can do to maintain your strength and mobility so that you can rock retirement. What is mobility? Mobility means having healthy muscles, bones, and joints so that you can freely move about. In retirement, it is important to have the mobility to do all the typical thi...2021-02-1040 min
Retirement Answer ManWhat Are the Chances We Have a Market Crash, and How Do I Protect Myself?This is a time of year when many people give thanks for what they have. On this episode of Retirement Answer Man, I explore the definition of thankfulness and gratitude with our Rock Retirement Club retirement coach, BW. He even brings us 5 tips that can help us to cultivate gratitude on a regular basis. Tanya Nichols joins me again to help answer listener questions. You’ll learn what you can do if you are worried about a market crash, what to do if you think you are too old for long-term care insurance, and we’ll discuss Roth...2020-11-2533 min
Retirement Answer ManHow Do I Stop Feeling Guilty About Success So I Can Enjoy Retirement?There are so many things to take care of in retirement. It can all feel overwhelming. Many people worry about their jobs, the state of the world, retirement, and their uncertain future. On this episode of Retirement Answer Man, you’ll learn what you can do to ease your worries about the unknown as well as discover the answers to questions from listeners like you. Join Tanya Nicols and me as we answer questions about an early retirement package, what to do when you have a significant portion of your net worth in one stock, and how to use se...2020-11-1833 min
Roger & Dan's Retirement LabWhy Do Clients Hire Us with Tanya NicholsTanya Nichols, CFP, owner of Align Financial and I chat about why clients hire us.2020-10-1357 min
The Agile Financial PlannerWhy Do Clients Hire Us with Tanya NicholsTanya Nichols, CFP, owner of Align Financial and I chat about why clients hire us.2020-10-1357 min
Retirement Answer ManProcess, Strategy, Tactics: A Formula for Better DecisionsWe’ve been talking about decision making for the past several episodes and today I want to help you build a framework to rely upon when making decisions in retirement. This framework for better decision making will help ensure that you are living the life you really want. If you are ready to create a strategy that reflects your values so that you can rock retirement then press play now. Why do you need to build a decision-making framework? Have you really thought about your values? A person’s values are their principles or standards of behavior. Value...2020-08-1937 min
Retirement Answer ManEstate Planning in Retirement: The BasicsOne important aspect of retirement that not everyone is prepared for is estate planning. People avoid estate planning for various reasons, but a properly done estate plan is more than just documents. An estate plan is a way of continuing relationships and loving those people you leave behind in ways that you may not even imagine. Today we are kicking off our monthlong series on estate planning and we are starting with the basics. Listen in to hear what kind of documents you should have in place but also why they are important. What is estate planning? E...2020-07-0154 min