Everyone obsesses about a magic number they need to retire. But the truth is that hat it’s all about having the right withdrawal strategy. In this episode of Wealth Strategies Unleashed, Robert Gilliland & Karen Heider break down the most common withdrawal approaches, their pitfalls, and how to create a retirement paycheck you can count on. They share actionable ways to: Understand why the 4% rule often falls short and why flexibility is key Evaluate guardrail strategies...
Deciding what age to retire is about weighing the hidden costs of working longer against the freedom that comes with retiring on your own terms. In this episode of Wealth Strategies Unleashed, Robert Gilliland & Karen Heider unpack the tax, health, and lifestyle tradeoffs of working past age 60, and how to build a balanced plan that supports both your wallet and your well-being. They share ways to: Protect yourself from sequence-of-returns risk with smart income bucket strateg...
Retirement isn’t a date on a calendar; it’s a series of evolving stages. Robert Gilliland & Karen Heider walk through the three phases of retirement (Freedom, Stability, and Legacy) and the financial strategies that keep you confident at every step. They share ways to: Maximize your Freedom Years (late 50s to early 60s) with smart withdrawal strategies, Roth conversions, and healthcare planning before Medicare kicks inNavigate the Stability Stage (mid-60s to mid-70s) by optimizing Social ...
In this episode of Wealth Strategies Unleashed, Robert Gilliland & Karen Heider break down 5 often-overlooked signs that show you’re in a strong financial position, even if it doesn’t feel like it yet. This episode is all about knowing where you stand, and realizing you might be in a better place than you think. Whether you’re in your peak earning years or already in retirement, the conversation explores how financial discipline in the present can give you freedom and confidence in ...
Retirement is a series of stages. In this episode of Wealth Strategies Unleashed, Robert Gilliland & Karen Heider cover what separates each of the 4 levels, and what you can do to level up no matter where you’re starting from. This episode walks through the four “levels” of retirement, and how to move from one to the next. Let’s blend practical financial strategies with behavioral insights to help you assess where you are now and create a clear plan for leveling up. We share actionable wa...
In this episode, Robert Gilliland & Karen Heider tackle 3 of the biggest retirement myths, and share 5 practical steps you can take to retire when you want to, with the confidence that you’re financially ready. From the false idea of a “magic number,” to the “just one more year” trap, to comparing your lifestyle with others, this conversation blends real-world planning strategies with behavioral insights so you can make informed, intentional decisions about your retirement timing. We shar...
Bad investments get a lot of attention. But the truth is, it’s usually the smaller, everyday financial mistakes that quietly cost people far more over time. In this episode, Robert Gilliland is joined by Concenture Wealth Management’s Chief Investment Officer, Mike Alexander, to talk about how misinformation, myths, and simple inaction can quietly erode your wealth and how to stop it. They'll focus on simple, proven habits that protect and grow your financial future without chasing “hot tips”...
Robert Gilliland is joined by Concenture Wealth Management’s Chief Investment Officer, Mike Alexander, to explore two powerful concepts: the time value of money and the money value of time—and how mastering both can help you buy back more of your life. This episode blends financial strategy with practical life balance. The goal? Make smarter choices now that give you more freedom later. We share actionable ways to: Apply the time value of money to maximize long-term compounding and future wea...
Robert Gilliland & Karen Heider share lessons drawn from client conversations about the 3-legged stool of life (time, health, and wealth) and why you rarely have all at once. From redefining work-life balance to making smarter spending decisions, this episode blends practical financial planning with the deeper, non-financial factors that drive fulfilling retirements. We share actionable ways to: Maximize the “legs” of the time/health/wealth triangle you have in each stage of lifeUse the p...
The best time to retire is personal, but choosing your date with intention can have a major impact on your finances, healthcare, and emotional well-being. In this episode of Wealth Strategies Unleashed, Robert Gilliland & Karen Heider unpack the often-overlooked ways that timing your retirement can help you make the most of your first year and beyond. We share actionable ways to: Optimize your tax bracket with early-year retirement strategies and smart withdrawal planningUse healthcare ti...
Cryptocurrency isn’t just about Bitcoin anymore. In this episode of Wealth Strategies Unleashed, Robert Gilliland & Sanctuary Wealth’s Chief Investment Strategist Mary-Ann Bartels break down the differences between Bitcoin, Ethereum, Solana, XRP, and why understanding their purpose is key before investing. From the early days of the internet to the rise of Web3, this episode connects the dots between blockchain, smart contracts, and the race to build the infrastructure for a digital futur...
This episode of Wealth Strategies Unleashed is all about enhancing your retirement lifestyle beyond the spreadsheets. Robert Gilliland and Karen Heider dive into the often-overlooked choices that make life richer, healthier, and more fun once you’ve stopped working. They share practical ideas to help you: Build an emergency fund that protects your lifestyle from market swings or surprisesMaintain health and happiness with the right setup and social connectionsBalance reliability with indulgen...
Robert Gilliland and Karen Heider unpack the 5 biggest non-financial retirement regrets, from losing social connections to making lifestyle changes that limit freedom. They explore how to avoid these pitfalls by planning for the “what’s next” well before your last day at work. They share actionable ways to: Create a clear plan for post-retirement purpose and passion projectsMake smart decisions about upgrading, downsizing, or relocating your homeAlign retirement expectations with your spouse ...
Robert Gilliland, CRPC™ and Mike Alexander, CIMA® explain what you need to know about the differences between growth and value stocks and investing. The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future even...
Robert Gilliland, CRPC™ & Wall Street Legend Mary Ann Bartels dive into the future of cryptocurrency and blockchain in 2025. They explore the evolving landscape of digital finance, the security and functionality of blockchain, and the generational divide in crypto adoption. The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses ...
Join Robert Gilliland, CRPC™ & Adam Malamed, CEO of Sanctuary Wealth, as they explore the shifts and advancements in the wealth management industry. Adam shares his 30-year experience in wealth management, emphasizing the importance of the independent space & discusses the impact of AI on client interactions, the democratization of the family office, and the growing role of alternative investments in portfolios. The information contained herein is intended to be used for educati...
Robert Gilliland & Adam Malamed, CEO of Sanctuary Wealth, explore the future of modern wealth management. They discuss how AI is reshaping the industry, the democratization of family office services, and the increasing importance of client-centric strategies. The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to h...
Robert Gilliland and Mike Alexander tackle the question: Can you save too much for retirement? Hear crucial discussions about balancing your nest egg, the impact of inflation and healthcare costs has on you, and the importance of continuous financial planning. The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended t...
Discover how to enjoy a luxurious lifestyle without overspending through smart planning, budgeting strategies, and leveraging technology with Robert Gilliland, CRPC™, and Karen Heider, CRPC™, CDFA®. The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discu...
This week, we’re joined once again by Mary Ann Bartels, Chief Investment Strategist at Sanctuary Wealth and Wall Street legend. Mary Ann & Robert Gilliland dive into the key risks and challenges facing the markets in 2025, including inflation pressures, tariff impacts, and national deficit concerns. Mary Ann's LinkedIn: https://www.linkedin.com/in/mary-ann-bartels-632577225/ The information contained herein is intended to be used for educational purposes only and is not exhaustive. Dive...