The Perfect Retirement Plan?
The Perfect Retirement Plan? is a bi-weekly podcast for people close to retirement or recently retired who want clear, tax-smart guidance without jargon. Host Phillip Smith, CRPC®, AIF® – financial planner at Tidepool Wealth Strategies – mixes dad-level humor, real stories, and step-by-step advice to help you:
- Turn savings into a dependable retirement paycheck
- Cut lifetime taxes with smart timing and Roth strategies
- Protect family wealth from market shocks and life’s what-ifs
- Keep investments flexible as priorities evolve
Each concise episode ends with an action you can take right away – because when you're about to retire, the perfect retirement plan for you is the one you act on.
Learn more and connect
Website: https://www.tidepoolwealth.com
LinkedIn: https://www.linkedin.com/in/tidepoolwealth/
Email: phillip.smith@ceterawealth.com
Subscribe now and start planning your next chapter with clarity and confidence – whether you’re just about to retire and researching retirement strategies, or recently retired and focused on retirement planning.
################################################################
//Disclosures://
This podcast is intended for educational purposes only and should not be used for any other purpose. The views depicted in this material should not be considered specific advice or recommendations for any individual, are not intended to be financial, tax, or legal advice and are not representative of Tidepool Wealth Strategies, Cetera Wealth Services, LLC, or Cetera Investment Advisers, LLC. For a comprehensive review of your personal situation, always consult with a financial, tax or legal advisor. Neither Cetera nor any of its representatives may give legal or tax advice.
The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete.
All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.
Our office address is 450 Country Club Road Suite 350 Eugene Oregon 97401. Securities are offered through Cetera Wealth Services, LLC, member of FINRA and the S I P C. Advisory services are offered through Cetera Investment Advisers, LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity.
The Perfect Retirement Plan?
Is One Phone Call Per Year with Your Financial Advisor Enough?
Use Left/Right to seek, Home/End to jump to start or end. Hold shift to jump forward or backward.
If you have a financial advisor but you're searching YouTube for retirement answers at 10 PM, that's not a coincidence. That's a gap worth paying attention to.
In this episode of The Perfect Retirement Plan?, Phillip Smith breaks down the difference between portfolio management and actual retirement planning, why that distinction starts to matter more as you get closer to retirement, and what a real planning relationship looks like in practice versus what it sounds like in a pitch.
Topics include sequence of returns risk at 63, surviving spouse income and tax planning, RMD impacts on Social Security taxation and Medicare IRMAA premiums, the real cost of switching advisors, and the honest question underneath all of it: if something significant changed in your financial life tomorrow, would you feel confident picking up the phone?
Chapters:
00:00 You're on YouTube because something's missing
02:36 Portfolio management vs. retirement planning
04:16 When the gap becomes visible
05:40 When you turn 60: do you know when you can retire?
06:46 The surviving spouse problem nobody plans for
08:23 RMDs, Social Security, and Medicare: the hidden collision
10:26 Life changes. Annual calls don't.
11:48 What a real planning relationship actually does
13:43 Why people stay in annual call relationships
17:13 Does loyalty hold you back?
18:41 The real cost of switching advisors
19:29 Investment manager vs. retirement planner: does it matter at 60?
25:54 3 actions to take right now
#RetirementPlanning #FinancialAdvisor #RetirementIncome #PersonalFinance
Thanks for tuning in to this episode of The Perfect Retirement Plan, and remember: it's not about having the smartest financial advisor, the most money saved, or the highest probability of retirement success. The perfect retirement plan, for you – is the one you act on.
Phillip Smith, CRPC AIF | Financial Planner
Tidepool Wealth Strategies
450 Country Club Road, Suite 350 | Eugene, OR | 97401
____________________________________________________________________________________________
Additional Disclosures:
The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete.
All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.
