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.
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//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.
Episodes
43 episodes
Are You Thinking About the $1 Million Retirement Question?
Most people decide when to claim Social Security in about 15 minutes. For many couples, that decision is worth over a million dollars.In this episode of The Perfect Retirement Plan?, Phillip Smith breaks down the Social Security...
Is One Phone Call Per Year with Your Financial Advisor Enough?
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...
Stock Market Volatility at 63 - Retirement Plan or Retirement Panic?
You're 63. You've done the right things. And now the market is doing what the market does, and it doesn't care about your timeline.In this episode of The Perfect Retirement Plan?, Phillip Smith speaks directly to the person two ...
Required Minimum Distributions Explained: Taxes, Social Security, IRMAA and more
The IRS decides when you're required to start taking money out of your retirement accounts and most people aren't ready for what comes next.In this episode of The Perfect Retirement Plan?, Phillip Smith breaks down Required Mini...
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Too Many Retirement Accounts? Here's What to Do...
Do you have old 401(k)s, multiple IRAs, a Roth account, maybe even an inherited IRA…and you’re not quite sure what to do with all of them?In this episode of The Perfect Retirement Plan?, we answer one of the most common retirement planni...
What is a Roth Conversion, and Why Would I Do That?
Paying taxes on purpose sounds backwards...until you understand why Roth conversions are one of the most talked-about retirement planning strategies for people nearing retirement.In this episode of The Perfect Retirement Plan?, ...
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Retirement Withdrawal Strategies that Work
The hardest part of retirement isn’t saving the money. It’s knowing how to withdraw income for 30+ years without constantly worrying about market swings, taxes, or running out too soon.In this episode of The Perfect Retirement...
Retirement Income Sequencing Explained: Why Timing (and Coordination) Matters More Than Math
You can do all the math and still miss retirement if the pieces are out of order. In this episode of The Perfect Retirement Plan?, Phillip Smith explains why retirement success ...
Is the ACA Subsidy Going Away?
If you’re about to retire (or already retired) and relying on the Affordable Care Act for health insurance, you’ve probably seen the headlines: “The ACA subsidy is going away.” In this episode of The Perfect Retirement Plan?, Phillip S...
How to Retire Without Chasing Hot Stock Trends
How to Retire Without Chasing Hot Investing Trends Practical, tax-smart guidance for people about to retire or recently retiredHot stock trends are like pumpkin spice season: loud, overhyped, and gone before you finish your la...
How Do I Retire in Oregon Without Losing Sleep? (The Psychology of Retirement Income)
You spent decades saving. Now you have to start spending. Why does that feel so hard? In this episode of The Perfect Retirement Plan?, Phillip Smith explains the psychology of retirement...
How to Retire Before Medicare Kicks In (Smart pre-65 Retirement Strategies)
You’ve hit 62 and you’re ready to clock out, but Medicare doesn’t start until 65 and COBRA coverage costs more than your first car. What now? In this episode of The Perfect Retirement Plan?, Phillip Smith of Tidepool Wealth Strategies ...
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How Much Cash Should I Keep in the Bank When I'm Retired (and When is Cash a Liability)?
Cash feels safe—until it quietly starts working against you. In this episode of The Perfect Retirement Plan?, Phillip Smith of Tidepool...
Before You Buy! The Truth About "Be Your Own Bank" in Retirement
Have you heard the pitch: “Use whole life insurance, borrow tax-free, and be your own bank”? In this episode of The Perfect Retirement Plan?, Phillip Smith of Tidepool Wealth Strategies breaks down the truth behind the “infini...
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What Do I Do If The Market Crashes When I'm About to Retire?
About to retire or recently retired and worried a market drop could derail your plan? In this episode of The Perfect Retirement Plan?, Phillip Smith explains how to build a r...
Should I Rollover from a Roth 401(k) to A Roth IRA When I'm About to Retire?
[Should I Roll Over My Roth 401(k) to a Roth IRA When I’m About to Retire?] – Clear, tax-smart guidance for people close to retirementAbout to retire – or recently retired – and wondering if you should move Roth 401(k) dollars into a Rot...
Medicare IRMAA: Trying to Avoid Surcharges and Reduce Your Taxes in Retirement
Medicare IRMAA can blindside people who are about to retire - and especially those who have recently retired. In this episode of The Perfect Retirement Plan?, Phillip Smith (Financ...
The Solo 401(k) - Retirement Planning for the Self-Employed
Running a consultancy, LLC, or S-Corp in the Pacific Northwest and getting close to retirement? This episode of The Perfect Retirement Plan? is built for you. Phillip Smith, Financial Planner with Tidepool Wealth Strategies, s...
5 Mistakes to Avoid as You Get Close to Retirement
5 Mistakes to Avoid as You Get Close to Retirement – Clear, Tax-Smart Guidance for People Close to RetirementAre you close to retirement – or recently retired – and wondering how to dodge the biggest (and priciest) errors people m...
The Income Replacement Rule May Fail You in Retirement - Here's What Really Matters!
If you're about to retire and researching retirement wirhdrawl strategies online, you'll see retirement calculators thay say you must replace 70%-80% of paycheck. That rule can torpedo real retirement confidence. In this...
Tariffs, Tumult - and How it May Affect Your Retirement Plan
Trade-war headlines spiking your stress? Discover how tariff turmoil can shake markets, and how a solid retirement plan keeps you steady. In this episode of The Perfect Retirement Plan?, Phillip Smith of Tidepool Wealth Strategies unpa...
Know These Social Security Strategies If You're About To Retire
Ready to squeeze every dollar from Social Security? This episode of The Perfect Retirement Plan? is a must-listen for career professionals getting close to retirement. Want bigger lifetime benefits and lower taxes? Phillip Smith, finan...
5 Quick Tips to Help Super-Charge Your Retirement Savings BEFORE You Retire!
Ready to crank your nest egg into overdrive? This episode of The Perfect Retirement Plan? arms late-career professionals with five quick moves to help pump thousands of extra dollars into retirement accounts before the paycheck stops.<...
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Do I Really Need a Financial Advisor, or Can I Handle My Retirement Plan Alone?
Thinking about retiring DIY-style because “why pay 1% for something I’ve managed for decades?” In this episode of The Perfect Retirement Plan? podcast, Phillip Smith, financial planner and Marine Corps veteran, asks the hard ques...
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