The Retirement Reality Report

Are you stuck in analysis paralysis with your retirement savings? This episode explores why leaving money idle in employer plans or cash can undermine your financial future. Discover how asset allocation, income strategies, and careful tax planning—like Roth conversions—can help retirees navigate complex choices, avoid costly mistakes, and adapt to changing needs in retirement.

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Could a simple mistake cost you thousands in retirement? Marc Linsky and family reveal how overlooked details—from weak passwords to poor tax management—can derail your financial future. Learn why a tailored plan, intentional asset allocation, and expert guidance are essential for navigating inflation, market swings, and tax traps. Discover how to avoid common pitfalls and secure your legacy with confidence.

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Could one financial move today impact your Medicare premiums—and your family’s inheritance—years from now? The Linsky family unpacks the hidden connections between Roth conversions, taxes, and legacy planning, revealing how a single decision can ripple through your retirement. Learn why seeing the whole picture matters when it comes to protecting your wealth and your loved ones.

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Ready for retirement? One decision flips your financial world upside down. Marc and David Linsky reveal how changing tax codes, income sources, and longevity risks can reshape your retirement strategy. Learn why personalized planning matters, how to navigate Social Security timing, and ways to avoid common pitfalls like unnecessary taxes and income gaps. This episode delivers practical insights for building a flexible, multi-phase ...

Are you ready for the real challenges that come after reaching your retirement summit? Marc and David Linsky reveal why the descent—managing withdrawals, taxes, and cash flow—is often trickier than the climb. Discover strategies for handling required minimum distributions, optimizing charitable giving, and making your nest egg last. This episode explores practical ways to navigate the complexities of retirement and keep...

What happens when your required minimum distributions (RMDs) trigger a massive tax bill? This episode unpacks the real-life challenges facing retirees with large IRAs, exploring how strategies like Roth conversions and charitable trusts can help manage taxes and align your legacy with your goals. The Linskys share stories of creative planning, why there’s no one-size-fits-all solution, and how understanding your options can m...

Is your 401k quietly stuck while you approach retirement? This episode uncovers how “set it and forget it” investing can leave your savings stagnant—and what you can do about it. Learn about in-service distributions, brokerage sleeve windows, and strategies to unlock more options for your retirement funds, so you can take control of your financial future before it’s too late.

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Are you ready for the year-end financial rush—and the hidden decisions that could shape your retirement? This episode explores the critical timing of retirement planning, new 401(k) options, and the risks of alternative investments. Learn why personalized advice, understanding self-directed brokerage accounts, and knowing your rollover opportunities can make all the difference. Get practical insights from decades of experienc...

What happens when saving for retirement is the easy part—but turning those savings into lasting income is the real challenge? This episode explores the critical shift from accumulation to distribution, the risks of market downturns, and why protected growth and comprehensive planning matter most.The Linskys reveal how to avoid common pitfalls and build a retirement strategy that adapts to changing times.

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What if your biggest retirement partner is the tax man? This episode uncovers how taxes can take a surprising bite out of your nest egg, with stories from pro athletes to everyday retirees. Learn why tax planning matters more than ever, how charitable trusts and smarter RMD strategies can save thousands, and why most advisors miss the mark on tax efficiency. Get practical insights to help you keep more of what you’ve earned a...

The great wealth transfer is underway, and legacy planning has never been more important. In this episode, the Linsky family discusses how trillions are moving between generations, the new rules for inherited IRAs under the Secure Act 2.0, and how to avoid costly penalties. Learn how creative strategies—like using inherited RMDs to fund Roth conversions—can help you make the most of your legacy. Discover why open family...

What does true financial confidence look like in retirement—and how do you balance spending, saving, and legacy? The Linskys share real stories of retirees navigating market headlines, family expectations, and personal dreams. Discover why a comprehensive plan beats a pile of account statements, and how legacy planning is as unique as every family. From spending guilt to world travel, this episode explores the choices that sh...

Can investment losses actually help you save on taxes? David Linsky breaks down the concept of tax loss harvesting, explaining how it works, when it applies, and why it matters for non-qualified accounts. Learn how offsetting gains and losses can reduce your tax liability, why timing is crucial, and how a smart strategy can make a dramatic difference over time. If you’re DIY-ing your investments, don’t miss these essent...

Is your retirement plan built for market ups and downs? The Linskys reveal why separating growth from income is the key to a stress-free retirement. Learn how smart asset allocation, purposeful income streams, and avoiding panic selling can turn an ordinary retirement into an extraordinary one. Real-life stories and practical strategies show how to protect your nest egg, maximize returns, and enjoy your golden years—no matter...

Is Social Security enough for your retirement? This episode explores how to blend Social Security with other income streams for a stable, enjoyable retirement. The Linskys discuss real-life strategies for timing benefits, planning for the unexpected, and why working with a retirement specialist can make all the difference. Discover how to create a plan that lets you enjoy life—without surprises or stress .

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What’s scarier than spiders? For many retirees, it’s running out of money. In this episode, David Linsky and Dylan Linsky tackle the biggest fear in retirement and explain how annuities—when used correctly—can help create reliable income streams. From outdated investments to misunderstood annuity types, they break down what works, what doesn’t, and how to build a plan that protects your future. It&rsqu...

Could your 401(k) be quietly draining your retirement savings? In this episode, David Linsky breaks down how outdated plans, hidden fees, and limited investment options may be holding you back. Learn how a 401(k) X-ray can uncover opportunities like in-service distributions and brokered sleeves—tools that can help you take control of your retirement strategy before you even leave the workforce. Whether you're nearing retireme...