Smart Retirement Strategies with Mike Riedmiller

How much can you really spend in retirement without second‑guessing every dollar? On this episode Mike Riedmiller challenges the familiar 4% rule and explains why income planning matters more than any single percentage. The conversation explores how Social Security timing, taxes, market downturns, and overlooked strategies like Roth planning can dramatically change retirement outcomes. Through real‑world examples and relatable anal...

Gold prices are soaring — but does that mean it belongs in your retirement plan? On this episode, Mike Riedmiller breaks down the buzz around gold IRAs, market volatility, and why balanced investment planning matters now more than ever. Mike also tackles common misconceptions about retirement income, Social Security timing, inflation’s lingering bite, and how to prepare for economic shifts heading into 2026. It’s ...

What if your 401(k) balance isn’t the number you think it is? In this episode, Mike Riedmiller breaks down the often‑overlooked impact of taxes on retirement accounts and shares practical ways retirees can create reliable income for life. From Roth strategies to income planning, real client stories, and the truth behind the long‑standing “4% rule,” Mike explains how to approach retirement with clarity and confiden...

Taxes may be the biggest financial surprise waiting for you in retirement. On this episode, Mike Riedmiller breaks down why being proactive—especially with Roth strategies, RMD timing, and coordinated planning—can make all the difference. Mike explores how couples can work together on money decisions, why organization is essential, and how to build income confidence through Social Security, pensions, annuities, and more...

Millions of Americans are heading into retirement unsure of who to trust with their financial future — and the risks are bigger than they realize. In this episode, Mike Riedmiller breaks down the red flags to watch for, the hidden fees most people overlook, and why proper licensing matters when choosing an advisor. He also shares real stories of retirees navigating market uncertainty, income planning, and the rising cost of l...

A surprising truth about retirement spending could change how you plan your future. On this episode, Mike Riedmiller dives into the realities of spending volatility, rising inflation, outdated financial strategies, and why income planning—not guesswork—is the anchor of a stable retirement. From market risks to over‑concentration in trend stocks, they break down what today’s retirees must understand to stay protect...

Is your portfolio’s biggest risk the clock, not the market? The conversation covers de‑risking after 50, building buffers with safer assets, and a methodical approach to fear‑and‑greed cycles. It examines evolving plans amid AI hype, longevity advances, inflation and stagflation worries, and why headlines shouldn’t steer decisions. Practical considerations span allocation, income, taxes, healthcare, and legacy—esc...

Are Gen Xers heading for a retirement crisis, or can smart planning turn anxiety into confidence? This episode dives into the fears and realities facing those nearing retirement—insufficient savings, market volatility, and the looming tax trap. Certified Financial Fiduciary Mike Riedmiller shares actionable strategies for building a solid financial blueprint, managing risk, and maximizing income sources. Discover why having a...

RMD season is here—are you ready for the tax trap hiding in your 401(k) and IRA? Mike Riedmiller unpacks choices around taking only the minimum vs. more, Roth conversions, and the penalties for getting RMDs wrong. Plus: planning for unexpected early retirement, balancing risk in a frothy market, and why working a bit longer can strengthen your income plan.

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What if your retirement plan is built on myths that could cost you more than you think? Discover how everyday misconceptions—like spending less in retirement or relying solely on Social Security—can derail your future. Host Mike Riedmiller break down the real mistakes people make, from underestimating healthcare costs to choosing cookie-cutter portfolios. Learn why personalized strategies, candid conversations, and a ba...

Is your retirement plan evolving as fast as the world around you? This episode of Smart Retirement Strategies dives into why taking your foot off the risk pedal after 50 is crucial, how technology and market volatility demand smarter planning, and why a “cookie-cutter” approach could put your nest egg at risk. Discover practical ways to de-risk your portfolio, the real impact of inflation, and how to cut through financi...

Is your retirement plan hiding risks that could derail your future? This episode dives into the realities behind Social Security, Cost of Living Adjustment or COLA increases, the gold rush frenzy, and the importance of diversified income streams. Host Mike Riedmiller breaks down why relying on a single source isn’t enough and how personalized planning can help you weather market volatility. Discover practical insigh...

Would you trust a self-taught pilot to fly your retirement? This episode unpacks why “winging it” with your financial future can be risky, using vivid analogies and real-life stories. Discover the importance of having a written retirement blueprint, the pitfalls of DIY planning, and how professional guidance can help you navigate investments, income, and long-term care. Tune in for practical insights that challenge comm...

Are you ready for the year-end financial rush? Discover why timing is everything when it comes to retirement planning, tax strategies, and maximizing your income. Mike Riedmiller breaks down essential steps to take before the holidays, reveals how unexpected life events can impact your retirement date, and explains why intentional planning beats luck every time. Tune in for practical advice on making your money last, avoiding costl...

Is your retirement plan as outdated as your old frying pan? Discover why “one-size-fits-all” strategies could leave your future vulnerable and how inflation, market volatility, and hidden fees threaten your nest egg. Mike Riedmiller breaks down smarter ways to lock in income, adapt to spending volatility, and defend your wealth—so you can retire with confidence, not uncertainty. Tune in for practical insights and ...

Are you flying blind with your retirement plan? Discover why a blueprint—not guesswork—is essential for securing your financial future. Mike Riedmiller breaks down Roth conversions, the new 50-30-20 portfolio, and the pitfalls of DIY investing. Learn how to balance risk, avoid hidden fees, and create a customized strategy for less stress and more fun in retirement. Tune in for practical insights and real stories that he...

Are you letting headlines dictate your retirement strategy? Discover why reacting to financial news—especially about the Fed and interest rates—can sabotage your future. Host Mike Riedmiller breaks down common retirement myths, explains why a proactive, customized plan beats one-size-fits-all rules, and shares actionable insights on taxes, income, and investment choices. Tune in for practical wisdom to help you invest s...

Are you making the most of your retirement plan, or missing hidden risks that could derail your future? In this episode, Mike Riedmiller reveals why “one-size-fits-all” strategies fall short and how proactive planning—especially with Roth conversions and guaranteed income—can help you retire with confidence. Discover the real mistakes people make, why spending in retirement may surprise you, and how to build...

Is timing the market a myth or a must for retirement success? In this episode, Mike Riedmiller reveals why long-term planning—not market predictions—protects your nest egg through every market season. Discover the “go-go, slow-go, and no-go” phases of retirement, why income and spending plans matter, and how to adjust your strategy as rules and life change. Whether you’re nearing retirement or already ...