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The Retirement Rabbit Hole

The Retirement Rabbit Hole

By Western Reserve Capital Management

Welcome to the Retirement Rabbit Hole, a podcast on investing, taxes, and generating a paycheck in retirement. Join Jim Sexton as he helps you on your journey to and through retirement.
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EP 10. Inflation's Impact on Your Retirement

The Retirement Rabbit Hole

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How Longevity Risk Can Impact Your Retirement (EP 25)
How Longevity Risk Can Impact Your Retirement (EP 25)
In this episode, Jim and Gage discuss longevity risk and how it can pose a serious threat to your retirement plans.  Highlighted Topics Include:  Understanding Longevity Risk  Estimating Your Longevity with Software  Longevity's Impact on Your Retirement Plans  Questions? Email us at info@westernreservecm.com  View this post: https://westernreservecm.com/longevity-risk  Subscribe to our Newsletter: https://financeinsights.net/v46zcJQpcV0X4UZNPasP8mqO?  Learn More about Western Reserve Capital Management:  http://westernreservecm.com/  Work with Western Reserve Capital Management https://westernreservecm.com/start-here/
19:24
January 24, 2022
Preventative Maintenance for Your Retirement Portfolio (EP 24)
Preventative Maintenance for Your Retirement Portfolio (EP 24)
In this episode: Jim and Gage discuss the concept of performing Preventative Maintenance for your retirement portfolio and three portfolio strategies you can use including: Revisiting Your Purpose for Investing Reviewing the Asset Allocation of Your Portfolio Performing Investment Due Diligence They conclude the episode by explaining the role a financial advisor can play in this process. Questions? Email us at info@westernreservecm.com Subscribe to our Newsletter: https://financeinsights.net/v46zcJQpcV0X4UZNPasP8mqO? Learn More about Western Reserve Capital Management:  http://westernreservecm.com/ Work with Western Reserve Capital Management https://westernreservecm.com/start-here/
21:53
January 10, 2022
Diminishing Returns (EP 23)
Diminishing Returns (EP 23)
In this episode, Jim and Gage discuss the law of diminishing returns and examples where it is illustrated in retirement planning. Questions? Email us at info@westernreservecm.com View this post: https://westernreservecm.com/diminishing-returns Subscribe to our Newsletter: https://financeinsights.net/v46zcJQpcV0X4UZNPasP8mqO? Learn More about Western Reserve Capital Management:  http://westernreservecm.com/ Work with Western Reserve Capital Management https://westernreservecm.com/start-here/
23:31
December 27, 2021
Minimizing Complexity in Your Investment Portfolio (EP 22)
Minimizing Complexity in Your Investment Portfolio (EP 22)
In this episode, Jim and Gage discuss the limits to diversification and the potential downsides to adding unnecessary complexity to your investment portfolio. Questions? Email us at info@westernreservecm.com View this post: https://westernreservecm.com/minimizing-complexity Subscribe to our Newsletter: https://financeinsights.net/v46zcJQpcV0X4UZNPasP8mqO? Learn More about Western Reserve Capital Management:  http://westernreservecm.com/ Work with Western Reserve Capital Management https://westernreservecm.com/start-here/
14:47
December 13, 2021
Reducing Company-Specific Risk in Retirement (EP 20)
Reducing Company-Specific Risk in Retirement (EP 20)
In this episode, Jim and Gage discuss company-specific risk and how it can be mitigated through diversification. Topics Include: What Causes Company-Specific Risk Potential Barriers to Reducing Company-Specific Risk A Question to Ask Yourself When Thinking About Company-Specific Risk How to Create a Diversification Strategy Questions? Email us at info@westernreservecm.com View this post: https://westernreservecm.com/company-specific-risk Subscribe to our Newsletter: https://financeinsights.net/v46zcJQpcV0X4UZNPasP8mqO? Learn More about Western Reserve Capital Management:  http://westernreservecm.com/ Work with Western Reserve Capital Management https://westernreservecm.com/start-here/
21:06
November 29, 2021
Key Retirement Milestones (EP 19)
Key Retirement Milestones (EP 19)
In this episode, Jim and Gage discuss key retirement milestones, potential opportunities to boost savings, maximize retirement income, and/or improve tax efficiency. They also discuss the potential penalties you could incur if you miss certain deadlines. Questions? Email us at info@westernreservecm.com View this post: https://westernreservecm.com/ key-retirement-milestones Subscribe to our Newsletter: https://financeinsights.net/v46zcJQpcV0X4UZNPasP8mqO? Learn More about Western Reserve Capital Management:  http://westernreservecm.com/ Work with Western Reserve Capital Management https://westernreservecm.com/start-here/
23:12
November 15, 2021
Choosing a Successful Retirement Investment Strategy (EP 18)
Choosing a Successful Retirement Investment Strategy (EP 18)
In this episode, Jim and Gage discuss how to approach your retirement investment strategy. Topics Include: How to Choose a Retirement Investment Strategy The Intellectually Difficult Approach to Investing The Physically Difficult Approach to Investing The Emotionally Difficult Approach to Investing Managing an Emotionally Difficult Retirement Investment Strategy The Role of a Financial Advisor Can Play in Your Retirement Investment Strategy Questions? Email us at info@westernreservecm.com View this post: https://westernreservecm.com/retirement-investment-strategy Subscribe to our Newsletter: https://financeinsights.net/v46zcJQpcV0X4UZNPasP8mqO? Learn More about Western Reserve Capital Management:  http://westernreservecm.com/ Work with Western Reserve Capital Management https://westernreservecm.com/start-here/
15:30
November 01, 2021
Using Roth Conversions in Retirement (EP 17)
Using Roth Conversions in Retirement (EP 17)
In this episode, Jim and Gage discuss how performing Roth conversions in your lower-income years, allows you to potentially decrease your total tax liability throughout your retirement. Topics Discussed Include: Why Your Income May Be Lower earlier in Your Retirement What is a Roth Conversion? Using the “Filling Up Your Bracket” Roth Conversion Approach How to Incorporate Roth Conversions into Your Financial Plan Questions? Email us at info@westernreservecm.com View this post: https://westernreservecm.com/roth-conversions Subscribe to our Newsletter: https://financeinsights.net/v46zcJQpcV0X4UZNPasP8mqO? Learn More about Western Reserve Capital Management:  http://westernreservecm.com/ Work with Western Reserve Capital Management https://westernreservecm.com/start-here/
15:51
October 18, 2021
A Tax-Efficient Way to Manage Required Minimum Distributions (EP 16)
A Tax-Efficient Way to Manage Required Minimum Distributions (EP 16)
In this episode, Jim and Gage discuss how qualified charitable distributions can be a tax-efficient way to manage required minimum distributions for those who are charitably minded. Questions? Email us at info@westernreservecm.com View this post: https://westernreservecm.com/qualified-charitable-distributions Subscribe to our Newsletter: https://financeinsights.net/v46zcJQpcV0X4UZNPasP8mqO? Learn More about Western Reserve Capital Management:  http://westernreservecm.com/ Work with Western Reserve Capital Management https://westernreservecm.com/start-here/
20:42
October 04, 2021
EP 15. How Your Income Can Affect Your Medicare Premiums
EP 15. How Your Income Can Affect Your Medicare Premiums
In this episode, Jim and Gage discuss how some higher-income retirees may have to pay more for their Medicare Part B and Medicare Part D prescription drug coverage. Jim and Gage also explore strategies to reduce (and possibly avoid) these surcharges. Questions? Email us at info@westernreservecm.com Subscribe to our Newsletter: https://financeinsights.net/v46zcJQpcV0X4UZNPasP8mqO? Learn More about Western Reserve Capital Management:  http://westernreservecm.com/ Work with Western Reserve Capital Management https://westernreservecm.com/start-here/
13:48
September 20, 2021
EP 14. How Will You Order Your Portfolio Withdrawals in Retirement?
EP 14. How Will You Order Your Portfolio Withdrawals in Retirement?
In this episode, Jim and Gage discuss: The Three Types of Retirement Savings Vehicles How to Order Your Withdrawals in Retirement Maximizing Tax-Deferral vs. Estate Planning Concerns Managing The Tax Liability of Your Withdrawals How There is No One-Size-Fits-All Withdrawal Approach Questions? Email us at info@westernreservecm.com Subscribe to our Newsletter: https://financeinsights.net/v46zcJQpcV0X4UZNPasP8mqO? Learn More about Western Reserve Capital Management:  http://westernreservecm.com/ Work with Western Reserve Capital Management https://westernreservecm.com/start-here/
16:33
September 06, 2021
EP 13. How Are Your Social Security Benefits Taxed?
EP 13. How Are Your Social Security Benefits Taxed?
In this episode, Jim and Gage discuss how to your Social Security benefits and taxed and opportunities to potentially reduce your tax liability. Highlighted Topics Included: How is Your Social Security benefit taxed? What is Provisional Income? The Benefits of Tax-Free Income How a Roth IRA Can Reduce the Taxability of Your Social Security Benefits Questions? Email us at info@westernreservecm.com Subscribe to our Newsletter: https://financeinsights.net/v46zcJQpcV0X4UZNPasP8mqO? Learn More about Western Reserve Capital Management:  http://westernreservecm.com/ Work with Western Reserve Capital Management https://westernreservecm.com/start-here/
17:46
August 23, 2021
EP 12. 4 Steps to Help You Make Better Retirement Decisions
EP 12. 4 Steps to Help You Make Better Retirement Decisions
In this episode, Jim and Gage discuss the WRAP process and how it can be useful when making decisions when planning for retirement. The main talking points include: Being More Decisive in Your Retirement Planning The Four Villains of Decision Making Making Better Decisions With the WRAP Process How the Four Villains’ Can Creep into Your Retirement Planning How to Use the WRAP Process Questions? Email us at info@westernreservecm.com Subscribe to our Newsletter: https://financeinsights.net/v46zcJQpcV0X4UZNPasP8mqO? Learn More about Western Reserve Capital Management:  http://westernreservecm.com/ Work with Western Reserve Capital Management https://westernreservecm.com/start-here/
20:54
August 09, 2021
EP 11. Investing for Retirement
EP 11. Investing for Retirement
In this episode, Jim and Gage discuss how to develop and adhere to a sound investment strategy in retirement. This strategy will likely look different than the one you used during your accumulation years. Main Topics Discussed Include: Shifting Your Investing Focus from Accumulation to Decumulation Factors to Consider When Creating Your Retirement Income Plan Determining Your Required Rate of Return How to Allocate a Retirement Portfolio Questions? Email us at info@westernreservecm.com Subscribe to our Newsletter: https://financeinsights.net/v46zcJQpcV0X4UZNPasP8mqO? Learn More about Western Reserve Capital Management:  http://westernreservecm.com/ Work with Western Reserve Capital Management https://westernreservecm.com/start-here/
13:59
July 26, 2021
EP 10. Inflation's Impact on Your Retirement
EP 10. Inflation's Impact on Your Retirement
In this episode, Jim and Gage discuss how inflation compounds throughout your retirement and things you can do in an attempt to mitigate its effects on your purchasing power.  Questions? Email us at info@westernreservecm.com Subscribe to our Newsletter: https://financeinsights.net/v46zcJQpcV0X4UZNPasP8mqO? Learn More about Western Reserve Capital Management:  http://westernreservecm.com/ Work with Western Reserve Capital Management https://westernreservecm.com/start-here/
16:08
July 12, 2021
EP 9. How Large Does Your Nest Egg for Retirement Need to Be?
EP 9. How Large Does Your Nest Egg for Retirement Need to Be?
In this episode, Jim and Gage discuss how to calculate how large your retirement nest egg needs to be. Like with many other things in retirement planning, there is no one right answer. This allows you to do some smart planning and have a more nuanced discussion of how you can fill the income gap in retirement. Questions? Email us at info@westernreservecm.com Subscribe to our Newsletter: https://financeinsights.net/v46zcJQpcV0X4UZNPasP8mqO? Learn More about Western Reserve Capital Management:  http://westernreservecm.com/ Work with Western Reserve Capital Management https://westernreservecm.com/start-here/
15:05
June 28, 2021
EP 08. Engineering Your Retirement Income
EP 08. Engineering Your Retirement Income
Episode Description: In this episode, Jim and Gage discuss: Advancements in Retirement Planning Leveraging Financial Planning Software Implementing Your Retirement Plan Outsourcing Your Retirement Planning Questions? Email us at info@westernreservecm.com Subscribe to our Newsletter: https://financeinsights.net/v46zcJQpcV0X4UZNPasP8mqO? Learn More about Western Reserve Capital Management:  http://westernreservecm.com/ Work with Western Reserve Capital Management https://westernreservecm.com/start-here/
11:31
June 18, 2021
EP 07. Think Strategically, Act Tactically   
EP 07. Think Strategically, Act Tactically   
In this episode, Jim and Gage discuss the difference between strategy and tactics and how to incorporate this type of thinking into your retirement planning process. Questions? Email us at info@westernreservecm.com Subscribe to our Newsletter: https://financeinsights.net/v46zcJQpcV0X4UZNPasP8mqO? Learn More about Western Reserve Capital Management:  http://westernreservecm.com/ Work with Western Reserve Capital Management https://westernreservecm.com/start-here/
11:58
May 31, 2021
EP 06. Making Good Investing Decisions
EP 06. Making Good Investing Decisions
In this episode, Jim and Gage discuss why it's more important to focus on your investing process rather than the results of your investments. Questions? Email us at info@westernreservecm.com Subscribe to our Newsletter: https://financeinsights.net/v46zcJQpcV0X4UZNPasP8mqO? Learn More about Western Reserve Capital Management:  http://westernreservecm.com/ Work with Western Reserve Capital Management https://westernreservecm.com/start-here/
08:32
May 17, 2021
EP05. Undervalued Retirement Strategies
EP05. Undervalued Retirement Strategies
In this episode, Jim and Gage discuss Undervalued retirement Strategies including:  Estate planning  Global investment diversification  Social Security maximization   Long-Term Care insurance   These items may not be appealing on their own but once they are incorporated into a coherent retirement plan, their true value is revealed.  Questions? Email us at info@westernreservecm.com Subscribe to our Newsletter: https://financeinsights.net/v46zcJQpcV0X4UZNPasP8mqO? Learn More about Western Reserve Capital Management:  http://westernreservecm.com/ Work with Western Reserve Capital Management https://westernreservecm.com/start-here/
15:12
May 03, 2021
Ep 04. Rehabbing Your Portfolio
Ep 04. Rehabbing Your Portfolio
In this episode, Jim and Gage discuss the “Portfolio Rehab” process to resume stock investing for someone who has been “injured” by the market.  Questions? Email us at info@westernreservecm.com Subscribe to our Newsletter: https://financeinsights.net/v46zcJQpcV0X4UZNPasP8mqO? Learn More about Western Reserve Capital Management:  http://westernreservecm.com/ Work with Western Reserve Capital Management https://westernreservecm.com/start-here/
11:30
April 19, 2021
EP 03. Pain and Underperformance
EP 03. Pain and Underperformance
In this episode, Jim and Gage discuss the experience of pain in investing, potential Issues with active investment strategies, and how to manage active risk. Questions? Email us at info@westernreservecm.com Subscribe to our Newsletter: https://financeinsights.net/v46zcJQpcV0X4UZNPasP8mqO? Learn More about Western Reserve Capital Management:  http://westernreservecm.com/ Work with Western Reserve Capital Management https://westernreservecm.com/start-here/
11:34
April 05, 2021
EP 02. Don’t Lose Sight of What Matters
EP 02. Don’t Lose Sight of What Matters
In this episode, Jim and Gage discuss how retirees tend to focus on the wrong things and what they should do instead when measuring progress in retirement. Questions? Email us at info@westernreservecm.com Subscribe to our Newsletter: https://financeinsights.net/v46zcJQpcV0X4UZNPasP8mqO? Learn More about Western Reserve Capital Management:  http://westernreservecm.com/ Work with Western Reserve Capital Management https://westernreservecm.com/start-here/
10:60
March 22, 2021
Ep 01. The Sky Is Always Falling
Ep 01. The Sky Is Always Falling
In this episode, Jim and Gage discuss 3 steps you can take during times of financial market uncertainty. Questions? Email us at info@westernreservecm.com Subscribe to our Newsletter: https://financeinsights.net/v46zcJQpcV0X4UZNPasP8mqO? Learn More about Western Reserve Capital Management:  http://westernreservecm.com/ Work with Western Reserve Capital Management https://westernreservecm.com/start-here/
17:26
March 08, 2021