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Retirement Done Right is the podcast for smart, proactive retirees and pre-retirees who want to maximize their wealth, time, and lifestyle. Hosted by David Rath, CMT, CFA and Patrick Kalish, CFP® from Continuum Wealth Advisors, LLC, this show dives deep into retirement planning, investing, Social Security strategies, tax-efficient withdrawals, healthcare costs, and more—so you can retire with confidence.
Each episode delivers practical financial strategies, expert insights, and real-world advice to help you navigate the transition from career to retirement without stress. Whether you’re wondering how to create a reliable retirement paycheck, optimize your investments, or make the most of your golden years, Retirement Done Right has you covered.
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Retirement isn’t the end—it’s just the beginning. Let’s make sure you do it right.
47 Episodes
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How much do you really need to retire? The classic $1 million benchmark is a starting point, but is it your finish line? In this episode of Retirement Done Right, hosts David Rath and Pat Kalish, moderated by Andrew Heuss, tear apart the one-size-fits-all retirement number to reveal the hidden factors that truly determine if your nest egg is sufficient. We dive deep into the questions you need to be asking, including: The Lifestyle Test: Why your retirement spending habits matter more than an...
In this episode of Retirement Done Right, hosts David Rath & Pat Kalish are joined by Sarah Dorsey, CPA, to uncover five powerful, lesser-known tax strategies that can save you thousands and help you keep more of your hard-earned money. 🔹 Key Strategies Covered: ✅ Box Spreads: How to generate cash-like yield taxed at capital gains rates (not ordinary income). ✅ Section 351 Exchanges: Diversify a highly concentrated stock position WITHOUT triggering a massive tax bill. ✅ Mega Backdoor Rot...
🔒CYBERSECURITY FOR RETIREES: Protect Your Life Savings from Digital Threats In this critical episode of Retirement Done Right, hosts David Rath & Pat Kalish sit down with Mark Hurley, CEO of Digital Privacy and Protection and former FBI cyber expert, to expose the shocking vulnerabilities retirees face online—and the exact steps you can take to secure your digital life. 🔹 Key Takeaways: ✅ Password Myth Busted: Why your 8-digit password can be hacked in 1 second and the new 25-digi...
🏠 Navigating a Home Transition? Here's How to Make It Stress-Free 🏠 In this episode of Retirement Done Right, host Pat Kalish sits down with Erin Larkin-Maguire, founder of Good LineHomes, to unpack the emotional, logistical, and financial complexities of downsizing or relocating in retirement. 🔹 Key Takeaways: ✅ Custom Solutions – How to tailor a home transition to your unique needs (stay in your home, sell, or time a move perfectly) ✅ Case Studies – Real stories of retirees who unlocked e...
In this episode of Retirement Done Right, hosts David Rath & Pat Kalish reveal why Health Savings Accounts (HSAs) are the most underrated tool in personal finance—triple tax benefits, healthcare funding, and even retirement income boosts most people never discover. 🔹 Key Takeaways: ✅ The HSA "Triple Crown" – Tax deductions going in, tax-free growth, and tax-free withdrawals for medical expenses ✅ Pro Strategies – How to use your HSA as a "Stealth IRA" (pay out-of-pocket now, reimburse yo...
In this episode of Retirement Done Right, David Rath and Pat Kalish sit down with Cole Craven, co-founder of Move Health, to break down the complexities of healthcare planning for retirees—from Medicare vs. marketplace options to tax-saving strategies for early retirees. 🔹 Key Topics Covered: ✅ Pre-65 Healthcare Options – Cobra, marketplace plans, short-term insurance & more ✅ Medicare Explained – Parts A, B, C (Advantage), D, and Medigap supplements ✅ Tax Strategies – How income impacts...
In this video, Continuum Group’s CPA Sarah Dorsey breaks down the proposed One Big Beautiful Bill Act and how it could impact your tax strategy, retirement savings, and financial future. 📌 Key Topics Covered: ✅ Potential tax bracket changes – Will rates stay low or increase after 2025? ✅ Estate & gift tax exemptions – How the new bill could affect wealth transfer strategies. ✅ Child tax credit & standard deduction updates – What families need to know. ✅ Business tax implications – Pa...
Making the leap from accumulating wealth to spending it in retirement isn’t just a financial shift—it’s a psychological one. In this episode of Retirement Done Right, David and Pat explore what it takes to confidently transition from earning a paycheck to drawing income from your savings. You’ll learn: The Mindset Shift: Why so many retirees struggle to spend—and how to break free from that scarcity mentality.Stable vs. Variable Income: How to cover your essential expenses with predictable so...
In this episode, David and Pat break down the market chaos triggered by recent tariff announcements and explore how fear-driven headlines can wreak havoc on investor behavior. They dive into the emotional traps investors fall into, like recency bias and loss aversion, and share clear, actionable strategies to stay grounded. From tactical portfolio moves to behavioral finance insights, this episode is a playbook for turning market noise into opportunity. Follow Us YouTube LinkedI...
Most people approaching retirement have heard the usual advice: the 4% rule, the 25x rule, or the idea that you’ll only need 70–80% of your working income. But are these rules actually helpful or dangerously oversimplified? In this episode of Retirement Done Right, David Rath and Pat Kalish take a deep dive into the myths and realities of projecting retirement income. They explore where common rules of thumb can lead people astray and offer a more personalized, flexible approach to plan...
Estate planning is essential to ensuring your assets are distributed according to your wishes and your loved ones are protected. However, even the best intentions can go off track due to common mistakes. Here are four common estate planning mistakes to keep in mind when reviewing or preparing your estate plan. 1. Neglecting to Regularly Review Your Estate Plan Many people set up their estate plans with the right intentions but forget to regularly review their documents for accuracy. Life...
Bruce and David walk through the necessary safeguards to keep your information safe. Follow Us YouTube LinkedIn Our Home Base Continuum Wealth Advisors Disclosure The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies...
Does the idea of Estate Planning intimidate you? If so, you are not alone. That is why I invited Phillip Vacchio, Senior Attorney with Herzog Law Firm for a discussion. Phillip focuses his practice on elder law care. Tune in to this episode to learn: -Who needs Estate Planning -When to think about creating an Estate Plan -The primary Estate Planning Documents most adults should have -The importance of being proactive And more! If you would like to learn more please contact us ...
This video is for anyone who has recently turned 65 or will be turning 65 in the next few years. I discuss the basics of Medicare with Colin Miller - Founding Partner of Medicare Plan Partners. In this episode, we discuss: -Medicare overview -When do individuals need to enroll in Medicare -Who needs to enroll and who can delay -Different parts of Medicare including Part A, Part B, Part B, and Supplemental Plans -Medicare Advantage Plans -Medicare Part B Premiums -Changes coming to Medicare...
Are you enrolled in Medicare or planning to enroll? If so, then this episode is for you. There are many complexities when it comes to Medicare and I find many are confused about the different parts. In this episode, I discuss Medicare Part B. In the episode, I cover: -What Medicare Part B covers -The cost of premiums -How those premiums may increase -Strategies to potentially reduce your premiums And more! So if you are enrolled in Medicare or planning to enroll, I encourage ...
A New Year brings new changes to Social Security.In this episode, JT Cox discusses the changes coming to Social Security in 2024 including:- Cost of Living Adjustments-Social Security Wage Base-Medicare Part B Premium Updates-Part B Income ThresholdsAnd MoreIf you would like to learn more please contact us at www.contwealth.com
As we close out 2023, stock market indexes are up and at all-time highs, bonds have strong returns and cash invested properly can earn interest. So 2023 must have felt like a great year for investors right? Unless you lived under a rock, you know that was far from the case. Investors were consistently inundated with negative news and why things were about to crash. This is what makes investing so hard. Sticking through the difficult times and staying invested will r...
With the holidays in full swing, gifting is top of mind for many individuals. We thought it would be a good time to discuss gift limits, when the IRS needs to be informed of gifts, and some gift-giving strategies.So if you are thinking of making major gifts this year, I encourage you to tune in!If you would like to learn more please contact us at www.contwealth.com
As we approach the end of the year it's that time again. Time to make, and then quickly break, our New Year's Resolutions.In this episode JT discusses tips to make SMART New Year's Resolutions you will actually stick with.So if you really want to make a change, be sure to tune in!If you would like to learn more please contact us at www.contwealth.com
For many, the holidays are a time for giving. As the holidays approach we have put together an episode specifically to discuss tax-smart charitable gifting strategies to consider.So if you are feeling charitably inclined this holiday season, and are interested in potentially reducing your tax bill, then be sure to tune in!If you would like to learn more please contact us at www.contwealth.com
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