The Retirement Spectrum
“The Retirement Spectrum with Alan Cohen” is a true Philadelphia look at the issues of retirement. Alan was born and raised in Philly and even named his company after one of his favorite places in the world: The Spectrum. Alan calls himself “a recovering stockbroker” – after spending years helping people accumulate wealth, he is now focused on helping people protect, grow, and use that wealth in retirement. Our podcast topics range from understanding the stock market, advice on 401(k)s, Social Security, tax planning, and more. And you may hear a mention of Springsteen now and then as Alan has seen Bruce over 200 times! Retirement offers a vast array of ways to plan for and enjoy this exciting part of your life. It truly is a Retirement Spectrum.
Episodes
You’ve spent decades building your nest egg, but do you have a plan to protect it from the "distribution phase" traps that catch most retirees off guard? In this episode of The Retirement Spectrum, Alan Cohen breaks down the critical shift from growing wealth to preserving it. From the "window of opportunity" for Roth conve...
Is your 401k ready to become your permanent paycheck, or are you just hoping for the best? Financial expert Alan Cohen explores the shift from the "accumulation phase" to the "distribution phase" in today’s volatile market. He discusses the "Golden Age" of fixed index annuities, the strategic advantage of Roth conversions before 2028, and why traditional bonds may no longer...
Your retirement paycheck doesn't just appear—it has to be built, and the "recipe" matters more than you think. In this episode of The Retirement Spectrum, Alan Cohen explains how to construct a "Chili Portfolio" using stocks, bonds, and protective growth buckets to weather market volatility. From decoding the recent surge in small-cap stocks to navigating the "golden era" of ...
Stop obsessing over the "magic number" and start focusing on your actual lifestyle. In this episode of The Retirement Spectrum, Alan Cohen breaks down why those $1.5 million retirement headlines are often just clickbait. Discover how Social Security and smart dividend strategies can slash your required savings in half and learn why a 100% "safe" portfolio might actually be your big...
Could you be sacrificing your best years for a bigger paycheck that arrives too late? Alan Cohen dives into the reality of the 2026 market, where surging S&P valuations meet rising midterm volatility. We explore why guaranteed income is the secret to spending 44% more in retirement and how to "refinance" old annuities for higher payouts in today’s high-rate environment. Plus, we expose a $5,000 tax scam and discuss the he...
Is your retirement strategy built on a 100-year-old gamble? As the "Roaring 2020s" mirror the volatility of the 1920s, Alan Cohen explores why a soaring S&P 500 isn't enough to secure your future. This episode breaks down the "Magnificent Seven" market dominance, the reality of looming interest rate cuts, and why the best time to retire depends on your plan, not the ticker tape. From "grimy" Eagles football talk to "portfolio x...
Your portfolio can become riskier without you lifting a finger—a phenomenon known as "portfolio drift." In this look-back at 2025 and forecast for 2026, Alan Cohen explains how three years of double-digit returns may have left you overexposed to market volatility. We explore the "super catch-up" contributions for those 60–63, the new $12,000 senior tax deduction, and why sticky inflation makes "...
Are you relying on outdated financial rules like the 4% withdrawal strategy or a fixed retirement age? Discover why your retirement plan needs an update and how to create reliable income streams. This episode dives into the market's current volatility, the looming threat to Social Security, the big mistake most people make with Required Minimum Distributions (RMDs), and the key role annuities and tax-advantaged strategies play in g...
You’ve been great at saving, but how do you make that money last for 30 years? Alan Cohen breaks down the week's financial news, focusing on the essential steps for retirement success. Learn about key topics like protecting your nest egg against market downturns, securing guaranteed lifetime income, and the crucial differences between Traditional vs. Roth 401k plans. Get expert insight on de-risking your portfolio, dealing wi...
Are you worried about outliving your retirement savings? Join hosts Alan Cohen and Randy Cook on The Retirement Spectrum as they unpack volatile Wall Street headlines and tackle the financial concerns that keep retirees up at night. In this episode, they discuss market volatility, the impact of consumer debt, and the crucial question: Can you live off investment income alone? Alan shares his unique "three-bucket" withdrawal strateg...
Are you walking away from your paycheck and wondering, "And then what?" Welcome to The Retirement Spectrum with Alan Cohen and Randy Cook. This is the show where we talk about planning for a 20 or 30-year retirement, how to create a paycheck, and do it tax-efficiently. Learn about the stock market, protective growth investments with zero downside risk, and why fees matter. Alan, a Registered Investment Advisor, emphasizes diversify...
Are you making costly mistakes in your retirement planning without realizing it? This episode dives into the five most common pitfalls—from underestimating life expectancy to overlooking hidden fees—and reveals how conservative planning and guaranteed income can boost your confidence and security. Discover actionable insights on 401(k) rollovers, annuities, and the importance of revisiting your financial plan, all desig...
Are you ready to retire with confidence and avoid the biggest mistakes? In this episode, Alan Cohen shares real-life strategies for protecting your nest egg, managing market risks, and making smart decisions about Medicare, taxes, and asset allocation. Discover why timing matters, how to avoid costly errors, and what to expect at Alan’s live retirement seminars. Tune in for candid advice and actionable insights from the Retir...
Are you ready to rethink your retirement strategy before the next market shakeup? Join Alan Cohen and Randy Cook as they break down the essentials of retirement planning, from tax-efficient IRA conversions to managing risk and embracing market volatility. Discover why timing matters for Social Security, how portfolio x-rays reveal hidden risks, and what every retiree should know about required minimum distributions. This episode de...
Are you ready for the real story behind retirement? Discover the truths about income, tax planning, healthcare, and market risks as Alan Cohen breaks down what retirees actually face. From portfolio x-rays to defensive investing, this episode reveals how to navigate today’s financial landscape and avoid costly mistakes. Tune in for practical insights and strategies that go beyond the headlines.
To learn more about Alan and th...
What happens when retirement arrives sooner than expected? Alan Cohen explores emergency retirements, government benefit pitfalls, and the impact of inflation on your nest egg. Learn why timing matters for Social Security, how new Roth catch-up rules could affect your savings, and why dividend growth stocks and protective investments can help fight rising costs. Get practical insights on withdrawal strategies, portfolio x-rays, and...
Are you ready to discover the secrets to smarter retirement planning and avoid costly mistakes? Join Alan Cohen and the Spectrum Wealth Partners team as they break down the essentials of portfolio x-rays, Roth conversions, and defensive investing. Learn how to protect your assets, minimize taxes, and navigate today’s financial uncertainties—all with a dash of humor and real-life stories. Whether you’re retired or ...
Are you ready to discover the secrets to a confident retirement? Join Alan Cohen and Randy Cook as they break down the strategies, pitfalls, and real-life stories that shape your financial future. From portfolio x-rays to defensive investing and tax-smart withdrawals, this episode delivers practical insights in simple language—no sales pitch, just education and a few laughs along the way.
To learn more about Alan and the team...
Ever wondered how to maximize your retirement savings while avoiding common pitfalls? Join Alan Cohen as he dives into the intricacies of financial planning, from understanding fees to optimizing annuities. This episode is packed with insights and practical advice to help you navigate your financial future with confidence.
To learn more about Alan and the team at Spectrum Wealth Partners, go to www.spectrumwp.com.
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Ever wondered how to make your retirement savings work smarter, not harder? Join Alan Cohen as he dives into the intricacies of tax-efficient retirement planning, debunking common myths and offering practical advice on Roth IRA conversions, 401k management, and more. Tune in to learn how to navigate the financial landscape and secure a comfortable future.
To learn more about Alan and the team at Spectrum Wealth Partners, go to ...
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