Providence Financial Retirement Show with Anthony Saccaro

Two investors can earn the same average return and end up with very different retirement outcomes. When you're withdrawing money, the timing of market gains and losses can make a significant difference in your ability to have a comfortable retirement. In this episode of the Providence Financial Retirement Show, we explain what sequence of returns risk means and why relying on averages can leave a retirement plan vulnerable. Also today:   - the assumptions behind the 4% rule - he differences between growth, yield, and cash flow - when to begin shifting from accumulation toward retirement income Plus: listener questions about how to weigh capital gains taxes against the risks of postponing portfolio changes as retirement approaches.  Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

Could paying more in taxes today help you keep more of your retirement savings tomorrow? In this week's podcast, we explore how a strategic Roth conversion plan could reduce your lifetime tax bill, and why the years between retirement and required minimum distributions may offer a valuable window of opportunity. Find out how one couple earned a projected $742,000 in lifetime tax savings and how gradual conversions can put lower tax brackets to work. Also on the agenda: opportunities for those already taking RMDs, the often misunderstood pro rata rule, how conversions can affect Medicare premiums, and why this strategy isn't right for everyone.  Listen in.  >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

Social Security, your portfolio, and taxes - are they working together to support your retirement?  Find out how to coordinate these three critical decisions, from choosing when to claim benefits to shifting your investments toward income and weighing the tax costs of protecting your gains. We also share our perspective on the potential AI bubble, explain how index funds may expose investors to more tech risk than they realize, and answer listener questions about claiming Social Security early and working while collecting benefits. Listen in.  >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

A large portfolio may look impressive, but the number that truly shapes your retirement lifestyle is the income it can reliably produce. Find out how interest and dividends can reduce market anxiety, provide greater freedom to spend, and help retirees avoid constantly selling principal.  We also answer your questions about inflation, missing out during bull markets, and balancing dependable income with future growth. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

The Federal Reserve's latest rate hike could affect nearly every part of your retirement, from bonds and CDs to taxes, Medicare premiums, debt payments and purchasing power. In this episode, we cover how higher rates may create new income opportunities, where hidden costs can arise and how a coordinated retirement strategy can help you make the most of a changing interest-rate environment. Listen in.  >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/