The 5 Silent Retirement Killers (And How to Survive the Descent) | Future of Finance Ep. 22 скачать в хорошем качестве

The 5 Silent Retirement Killers (And How to Survive the Descent) | Future of Finance Ep. 22

Hey friends! Welcome to The Future of Finance Podcast 💕✨ Climbing the mountain of retirement is hard—but the descent is where most people fall. Literally. In this eye-opening episode of The Future of Finance, Marissa Wood sits down with Sam Payne, a financial advisor with 40+ years of experience, to uncover the five hidden threats that can destroy your retirement plan if you’re not prepared. From taxes and inflation to sequence of returns and long-term care, this is not a scare tactic—it’s your survival guide for making your money last as long as you do. 🧠 What You’ll Learn How to fight inflation without overexposing your portfolio Tax strategies to maximize income and minimize surprises The overlooked danger of timing market withdrawals Income solutions that protect against outliving your savings Navigating long-term care without draining your nest egg 💬 What silent killer are you most worried about? Drop your questions in the comments, and we may cover them in a future episode. 👍 Like | 🔔 Subscribe | 📤 Share with a friend nearing retirement. ⏱️ Episode Timestamps 00:00 – Welcome + Everest analogy: Retirement is the climb, but the descent is where the danger lies 01:10 – Meet guest Sam Payne, 40+ year financial expert 02:00 – Why 80% of climbers die after reaching the summit 03:15 – The 5 "silent killers" that derail your retirement 04:30 – 🎯 Killer #1: Inflation – The grocery store gut punch 06:00 – Why investing is the only hedge—but not at any cost 08:00 – The real role of advisors: managing risk, not returns 09:50 – 🎯 Killer #2: Taxes – And the myth of lower tax brackets in retirement 11:30 – Roth conversions explained—pay the tax on the seed, not the harvest 13:45 – Tax-free retirement income: how it works in real life 15:15 – How Roth IRAs and cash value life insurance can offset taxes 17:30 – 🎯 Killer #3: Sequence of Returns Risk – Timing is everything 20:00 – Two brothers, same plan… radically different outcomes 22:00 – Tools to protect against early retirement losses 22:30 – Buffered ETFs and Index Annuities explained 25:30 – 🎯 Killer #4: Longevity – Your greatest amplifier of risk 27:30 – Lifetime income streams: peace of mind for 30+ year retirements 29:00 – How annuities work like pensions—and who benefits 31:00 – Balancing growth, protection, and guaranteed income 32:00 – 🎯 Killer #5: Healthcare Costs – The retirement wildcard 34:00 – Traditional LTC vs. Hybrid policies vs. Income-enhancing riders 36:00 – The one thing every retiree should take away from this episode 38:00 – Why a pile of assets isn’t a plan—and how to build the right one 39:30 – Get your free retirement descent strategy at Union Financial 💻 Let's Chat! 💖 Schedule a complimentary call with Marissa or Lisa: Union Financial Services https://calendly.com/mgreen-union-fin... 📩 Questions? Drop a comment below or email us at mgreen@union-financial.com 💡 Don’t forget to like, subscribe & hit the notification bell so you never miss an episode! Let’s make your retirement dreams a reality! 🎉 Socials: FB:   / unionfinancialservices   IG:   / unionfinancialservices   #financialfreedom #moneymoves #financialplanning #personalfinance #thefutureoffinancepodcast #podcastclips #budgetingtips