The Savvy Investor Podcast

Retirement doesn’t have to mean taking unnecessary risks with your savings. Mike Canet & Katherine Groce explain how thoughtful planning and tailored strategies can help retirees create sustainable income streams while minimizing exposure to market volatility. They highlight examples of retirees, like one who thrives with just a 5% return by living within his means and structuring his investments wisely. Mike & Kather...

Mike Canet and Ryan Herbert reflect on Warren Buffet’s recent retirement and one of his many famous quotes: “Never run out of money.” They discuss creating income streams that retirees cannot outlive and emphasize the importance of protecting savings from market volatility while ensuring consistent growth through methods like dividend-paying stocks, preferred shares, or annuities.

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Your IRA in retirement. You can leave it, roll it, or cash it out. How do we know what works best for us and what do we have to watch out for?

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A study from AARP revealed that Americans that are 50 years old or older pay 59% of all federal income tax. Contrary to popular belief, many retirees face higher tax obligations due to required minimum distributions (RMDs), Social Security taxes, and insufficient planning during their working years. Mike Canet and Samantha Nash explain that with strategic tax planning, retirees can reduce the burden by leveraging lower tax rates ea...

Lawrence Kiely and Samantha Nash explain the complexities of tax planning, particularly focusing on the differences between tax strategies during working years and retirement. They highlight the importance of proactive tax planning, the implications of Roth conversions, and the impact of required minimum distributions (RMDs) on retirement savings. The discussion also touches on the government's approach to taxation and the signific...

In this episode of the Savvy Investor Podcast, Katherine Groce and Samantha Nash discuss the complexities of tax strategies, retirement income, and investment planning. They emphasize the importance of understanding market volatility and how it can present opportunities for long-term investors. The conversation also delves into the psychological aspects of retirement, the significance of annuities for income generation, and the nee...

In this episode, financial planners Lawrence Kiley and Samantha Nash discuss the impact of market volatility on retirement planning. They emphasize the importance of having a well-structured investment strategy that includes income buckets to ensure financial stability during turbulent times. The conversation also highlights the differences in concerns between existing clients and prospective clients, as well as the proactive appro...

This conversation with Mike Canet and Ryan Herbert delves into the intricacies of retirement planning, focusing on the importance of understanding income streams, tax strategies, and the role of fiduciary advisors. Ryan and Mike emphasize the need for effective tax planning to maximize retirement income and avoid common pitfalls that can lead to unnecessary tax burdens. They discuss the benefits of Roth IRAs and the significance of...

In this episode of the Savvy Investor Radio Show, hosts Katherine Groce and Samantha Nash discuss the intricacies of financial planning during tax season, the implications of market volatility, and strategies for transitioning from growth to income in retirement. They emphasize the importance of having a structured plan that accommodates both growth and income needs, particularly for those approaching retirement. The conversation a...

Tax Planning and tax preparation are very different! Ryan Herbert and Lawrence Kiely explain the complexities of tax planning and preparation for retirement, highlighting common misconceptions about taxes, the importance of understanding tax implications on retirement accounts, and strategies for minimizing tax burdens. They also share why you need a proactive tax planning to avoid costly mistakes and ensure financial security in r...

Are you thinking about when to retire and how it will impact your financial future? Katherine Groce & Samantha Nash explore the complexities of retirement planning, highlighting the importance of personalized financial strategies. They discuss the emotional and financial decisions involved, the benefits of retiring early versus later, and how to balance work and life goals for a fulfilling retirement. Katherine & Samantha a...

What is the #1 way retirees pull income? A recent study by Charles Schwab reveals seven key income sources for retirees, with the top leading the list at 40%. Ryan Herbert and Lawrence Kiely highlight several strategies and list the primary factors retirees need to focus on when building out an income plan.

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Are you underestimating the impact of taxes on your retirement? Katherine Groce & Samantha Nash discuss how taxes can be a significant expense in retirement, often overlooked by many and dispelling the myth that taxes are lower in retirement. They emphasize the importance of proper tax planning to avoid unexpected financial burdens. 

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Most people think they have a balanced retirement portfolio, but often they are taking on more risk than they realize. Ryan Herbert explains The Magnificent 7 and why it’s crucial to diversify your investments to avoid being overly dependent on a few high-performing stocks. He also highlights risk tolerance and examines tech-heavy mutual funds' underlying assets.

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Are you aware of these key ages in retirement planning? Katherine Groce & Samantha Nash cover significant retirement ages that retirees should understand when it comes to:

1) Penalty-free withdrawals from your 401k or TSP

2) “Supersized" catch-up contributions

3) Social Security benefits

4) Medicare enrollment

5) Current and new rules for Required Minimum Distributions (RMDs)

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Are annuities the secret to a secure retirement? Shaquille O'Neal recently shared how annuities have become a vital part of his financial strategy. Ryan Herbert explains that annuities, although often misunderstood, can be an effective tool for generating consistent retirement income when used properly. He also explores various retirement income options, including stocks, preferred stocks, and annuities, explaining their pros and c...

Retiring from the federal government can be a complex process, with numerous elements to consider, such as pensions, healthcare, and “leave” payouts. Katherine Groce and Samantha Nash discuss Trump’s recent administrative changes which have added another layer of complexity, potentially impacting the optimal retirement timing.

Katherine and Samantha dive into why federal employees must weigh their options carefull...

Retiring from the federal government is filled with complexities, but understanding the best timing and navigating the benefits can make a significant difference. Mike Canet discusses why federal employees face unique challenges, such as figuring out the optimal retirement date, maximizing years of service, and making healthcare and benefit decisions. Changes in government policies and the creation of DOGE add another layer of unce...

Retirement is approaching faster than you think and knowing if you’re actually prepared comes down to a few key factors. Ryan Herbert addresses the importance of having a detailed retirement plan that includes income streams, tax efficiency, and financial security. He highlights why it’s essential to work with a professional who can guide you through the complexities of retirement planning, ensuring that your savings la...