It’s not market volatility or inflation. It’s not even longevity. The greatest threat to your retirement is something most people have never heard of: sequence of return risk.
In this episode of The WealthStyle Podcast, Evan Wohl and Adam Rolewicz reveal the hidden math of early market losses and why two retirees with the same savings can face drastically different futures.
You’ll learn why the timing of your returns matters more than the average, what a buffer asset is and how it works, and how you can design a plan that turns your retirement savings into lasting income with confidence and clarity.
What to expect:
What is ‘sequence of return risk’ and why does it matter
Why average return is a misleading metric in retirement planning
Real examples of how early losses can wreck a portfolio
How to use buffer assets to preserve income and legacy
As 2023 came to a close, WealthStyle unlocked a major milestone: 10,000 downloads!
Many thanks go to you, our listening audience for tuning in and sharing your favorite episodes with others. OPUS’ mantra is ‘always forward’ and with your loyalty, we are doing just that!
Today, Iván Watanabe and Evan Wohl highlight their favorite episodes from 2023, including the most-listened-to episodes from the year. They also share the most downloaded releases since WealthStyle launched in 2020.
Revisit fan favorites, or discover new topics and experts for the first time as Iván and Evan highlight WealthStyle episodes that have contributed to reaching 10,000 downloads.
In today’s episode of WealthStyle, Iván Watanabe and Evan Wohl interview Elaine Floyd, Director of Retirement Life Planning at HorsesMouth about the intricacies of our nation’s support systems; Social Security and Medicare.
Listen as Elaine shares her expert knowledge by debunking some common misconceptions and detailing the benefits these programs provide using real-life examples and historical facts.
Whether you’re approaching retirement, caring for a loved one, or simply curious about recent changes and restrictions regarding Social Security and Medicare, this episode is a must-listen!
Gain insight as Elaine discusses:
The importance of accessing your retirement income plan for the duration of your lifetime
Common mistakes people make when claiming Social Security, and the varying spousal benefits
The differences between Medicare Part A and Part B
How to navigate your options regarding your Health Savings Account (HSA) and Medicare
When building a retirement plan, you need to look beyond your individual accounts. How will each type of account save you money? How will they protect your retirement income from high tax rates?
In this episode, Iván Watanabe and Evan Wohl focus on asset allocation and what needs to be considered when creating retirement income assets. They discuss the impact of taxes on retirement planning and how different accounts provide opportunities to save and withdraw retirement funds while avoiding high tax rates.
Iván and Evan explore:
The importance of considering the taxation of different asset vehicles
When to withdraw from different types of accounts
What to consider when making an investment decision
How different investment buckets provide options when withdrawing retirement income
If you want to enjoy your retirement to the fullest, you must have a sense of purpose and guaranteed income for the rest of your life. That way, you have something to look forward to every day, without the fear of running out of money!
In this episode of WealthStyle, Iván Watanabe and Evan Wohl sit down with Tom Hegna, a retirement expert, best-selling author, public TV host, and international speaker!
Together, they explore:
Seven simple steps for a financially secure retirement
What drives happiness and longevity in retirement (based on research)
How you can achieve guaranteed lifetime income and a blissful retirement
Benefits of annuities and the different types available in the market
How to make your life purposeful and socially engaging during retirement
Tom Hegna is an economist, author, and retirement expert. As a former First Vice President at New York Life, retired Lieutenant Colonel, and economist, Tom has delivered over 5,000 seminars on his signature “Paychecks and Playchecks” retirement approach, helping baby boomers and seniors retire the “optimal” way.
Tom specializes in creating simple and powerful retirement solutions. He has the unique ability to pump up a crowd, make people laugh, and solve complex financial problems using easy-to-understand words, ideas, and stories. He’s been featured in Business, Forbes, Money Rates, and many other leading publications. He is available to speak with businesses, government organizations, professional associations, financial professionals, and their clients across the globe.
The Secure Act was one of the most significant systemic rewrites of retirement planning in recent history. These changes created opportunities for all ages, from young adults just out of college to individuals just starting retirement.
In this episode, Evan Wohl speaks with Joshua Caron, Vice President of Federal Affairs at Finseca, on the Secure Act, how it changed retirement planning, and the individual aspects of the Secure Act 1.0 and 2.0.
Josh discusses:
Why the shift away from pensions was so important in retirement planning
How student debt conflicted with retirement planning for those fresh out of college
The change to overfunding 529 accounts and how Secure Act 2.0 changed the tax penalties for the account
Why 401(k)s are no longer enough for retirement income and the impact of longevity on retirement planning
Joshua Caron is the Vice President of Federal Affairs for Finseca. Originally from Massachusetts, he attended Arizona State University for both his undergraduate and graduate degrees. His primary role is to advocate for policies that allow for more Americans to live financially secure lives with a focus on the advanced markets.
Prior to joining Finseca, he worked for several political campaigns, including those former President Barack Obama and former Congressman Harry Mitchell (D-AZ). He lives with his wife, daughter, and chocolate lab in St. Anthony Park, St. Paul MN.
About Evan Wohl:
Evan’s clients trust him with the responsibility to guide them through the complexities of personal finance. He provides clarity and insight on how to measure and improve your cash flow as well as whether or not you are on track to accomplish your various financial goals. The firm takes a macroeconomic approach to planning and coordinates all of your financial decisions through the use of a comprehensive economic model.
Evan’s wife, Laurie, and he have three children, Quinn, Parker and Bodie. He currently sits on the board of The Hope Gala. The Hope Gala was created to support fundraising efforts on behalf of The Four Diamonds Fund and The Penn State Dance Marathon (THON™). The Hope Gala contributes to the mission of conquering childhood cancer. All proceeds benefit pediatric cancer patients at the Penn State Children’s Hospital and their families in need of financial aid, medical assistance, and emotional support.
How can you plan for the retirement you desire when there are many uncertainties that could impact it, like new economic and legislative changes?
Find out in this episode, as Iván Watanabe joins Rob Pruett to explore a fifth and final retirement threat, legislative and economic changes.
Rob discusses how proactive planning can help address the risk economic and legislative changes can bring to your retirement so that you can enjoy this life phase regardless of where the market, taxes, interest rates stand.
In this episode, you will learn:
The importance of understanding past and current interest rates
How different tax laws relate to retirement planning
Ways annuities can benefit retirees and pre-retirees
The importance of asset diversification
And more!
Listen today for tips and tricks that can help you secure your retirement despite ever-changing economic rules and regulations!
Historical podcasts are for informational purposes only and may not be the current opinions of the speakers. Although the information was accurate at the time it may no longer be applicable. These podcasts are intended for general public use. By providing this content, Park Avenue Securities LLC and your financial representative are not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity.
Our lifestyle plays a major role in defining our standard of living. It also impacts how we envision our retirements.
That’s why, along with the financial, it’s important to consider lifestyle planning as part of your retirement planning process.
In this episode, Iván Watanabe chats with Russell Carpentieri about the lifestyle component of retirement planning. Russell gives valuable advice around lifestyle planning for retirement and highlights the importance of advanced planning and having a disciplined savings strategy.
In this episode, you will learn:
The importance of consistency and discipline when preparing and saving for retirement
The advantages and disadvantages of lifestyle planning for retirement
Russell’s advice for retirees and pre-retirees
About Russell’s own retirement planning journey
And more!
Tune in today and find out how proactive planning can help you protect your lifestyle throughout your retirement!
Historical podcasts are for informational purposes only and may not be the current opinions of the speakers. Although the information was accurate at the time it may no longer be applicable. These podcasts are intended for general public use. By providing this content, Park Avenue Securities LLC and your financial representative are not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity.
Technology is constantly evolving. While technological improvements enhance our lives in many ways, its progress could also present threats to your retirement.
How?
Discover the answer in this episode, as Iván Watanabe sits down with George Papanicolaou to explore technology as a retirement threat. George reveals must-know cybersecurity and technology tips and tricks for retirees and pre-retirees and shares ways you can protect your retirement from this type of risk.
In this episode, you will learn:
Why you should be planning for technology-related costs
How the senior population is adapting to technological developments
The importance of cybersecurity education for older generations
How retirees and pre-retirees can use technology wisely and securely
And more!
Tune in and discover how you can strengthen your technological literacy for your retirement!
Historical podcasts are for informational purposes only and may not be the current opinions of the speakers. Although the information was accurate at the time it may no longer be applicable. These podcasts are intended for general public use. By providing this content, Park Avenue Securities LLC and your financial representative are not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity.
While most people know that the market can impact the value of their portfolio, not everybody realizes that other elements, like the sequence in which you withdraw from your investments, can also impact your portfolio’s value.
In part 2 of our retirement threats mini-series, Iván Watanabe chats with Adam Rolewicz about the sequence of returns risk and how it can affect your retirement. Adam defines this type of risk and its effects and shares ways you can plan ahead for this type of risk.
In this episode, you will learn:
About the sequence of returns risk
How the market impacts the sequence of your returns
Why you should consider cultivating assets outside of the market
The importance of being open-minded when planning for retirement
And more!
Tune in to learn different planning techniques that can help you avoid timing the market — and your retirement!
Historical podcasts are for informational purposes only and may not be the current opinions of the speakers. Although the information was accurate at the time it may no longer be applicable. These podcasts are intended for general public use. By providing this content, Park Avenue Securities LLC and your financial representative are not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity.
What concerns you most when it comes to your retirement?
Today, we launch a new five-part mini-series on retirement threats and how Opus Private Client helps clients avoid them through our WealthStyle planning process.
In part one, join Iván Watanabe and Lou Mohn as they explore health, lifestyle, and financial planning as areas of concern for pre-retirees — and how forward-thinking planning can help you address these concerns.
In this episode, you will learn:
What retirement means to Lou
Lou’s recommendations for achieving longevity and minimizing health risks
The importance of planning for certainty
The role of annuities in financial planning
And more!
Tune in and find out how proactive planning can help you enter retirement with confidence and clarity!
Historical podcasts are for informational purposes only and may not be the current opinions of the speakers. Although the information was accurate at the time it may no longer be applicable. These podcasts are intended for general public use. By providing this content, Park Avenue Securities LLC and your financial representative are not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity.
