The Retirement Spectrum

Will stock market volatility delay your dream retirement? In this episode of The Retirement Spectrum, wealth advisor Alan Cohen breaks down how to secure your financial future when the markets take a wild ride. Learn why locking in guaranteed income sources like annuities, pensions, and Social Security gives you the power to ride out market corrections without panic selling. Plus, d...

Navigating market highs and political uncertainty makes planning a 25-year retirement feel daunting, especially when fear keeps cash sitting on the sidelines. On this episode of The Retirement Spectrum, Alan Cohen unpacks shifting market trends—from small-cap surges to value stocks—and examine why Jamie Dimon remains cautious. Alan breaks down sequence of returns risk, ...

Markets are hovering near record highs, but mounting global tensions and high interest rates mean volatility could be right around the corner. On this episode of The Retirement Spectrum, host Alan Cohen breaks down how to lock in stock market gains using smart portfolio rebalancing and protective strategies. He also shares a cautionary tale of a retiree hit with a massive, unexpect...

Is your retirement strategy heavily exposed to tech volatility without you even knowing it? In this episode of The Retirement Spectrum, host Alan Cohen breaks down the market's recent first-half surge and why record highs mean it is time to rebalance. Discover the "three-bucket approach" to safeguard your portfolio against downside risk, handle rising Medicare premiums from propert...

The market may be dipping, but your retirement doesn't have to. In this episode of The Retirement Spectrum, host Alan Cohen breaks down the "June swoon" and explain why a shifting market calls for cautious, broader investing. He debunks the myth of a boomer-driven market crash and tackle the real threats to your nest egg: rising taxes and unexpected dental or healthcare expenses. Di...

Did you know that 70% of retirement plans that fail do so within the first five years? In this episode of The Retirement Spectrum, financial advisor Alan Cohen breaks down why the early years of retirement are the most critical and how "sequence of returns risk" can silently jeopardize your life savings. Discover why traditional strategies like sitting on cash or relying on aggress...

Is your retirement strategy ready for a choppy market and unexpected spending? On this episode of The Retirement Spectrum, host Alan Cohen breaks down recent market volatility fueled by major IPOs like SpaceX and explains why self-directed retirees frequently underestimate their post-career expenses. Discover the mechanics of 401k matches, the strategic benefits of timely Roth conve...

Is your retirement strategy ready for a wild summer ride? The S&P 500 recently shattered records by crossing the 7,600 mark, but host Alan Cohen warns that a major uptick in market volatility is on the horizon. From the impact of a new Fed chair to rising interest rates and geopolitical tensions, this episode breaks down why traditional economic metrics are shifting. Learn how to protect your nest egg using asset allocation, bu...

Is your retirement strategy built on a financial optical illusion? As the S&P 500 hits record highs, Spectrum Wealth Partners’ Alan Cohen explores why massive market momentum might actually signal time to take chips off the table. He breaks down the hidden risks of popular "set-it-and-forget-it" target date funds, reveal why high interest rates have created a golden age for self-funded pensions, and explain how to bulletp...

Navigating historical midterm volatility and shifting market headlines can make transitioning from a steady paycheck to self-funding retirement feel incredibly daunting. Host Alan Cohen explores practical defensive strategies, like balancing dividend-growth stocks, utilizing high-rate protective annuities, and mapping out multiple income streams. Discover how working your financial numbers backward can help prevent common budgeting...

Is your retirement strategy accelerating toward growth or slamming on the brakes for safety? On this episode of The Retirement Spectrum, host Alan Cohen unpacks the modern investor's biggest dilemma: capturing market highs while shielding your nest egg from sudden downturns. Discover why the traditional 60/40 portfolio might be a mistake, how to navigate sneaky but legal backdoor R...

Stop letting market headlines dictate your financial future while the "noise" of volatile cycles keeps you awake at night. In this episode of The Retirement Spectrum, Alan Cohen breaks down why the current bull market may have more room to run and how to shield your portfolio from the inevitable 10% drawdowns. From the power of "refinancing" older annuities for higher income to the...

Are you sprinting toward the retirement starting line or cautiously tiptoeing into the unknown? On this episode of The Retirement Spectrum, Alan Cohen breaks down why the "Sell in May" myth rarely holds up and how to build a paycheck that lasts. From the power of dividend aristocrats to the math behind Roth conversions, we explore how to turn your savings into a reliable income str...

Is your 401(k) truly ready to support you for the next twenty years, or are hidden tax traps and market volatility waiting to derail your future? In this episode of The Retirement Spectrum, Alan Cohen explores why reaching age 73 could mean a surprise bill from Uncle Sam and how a Roth conversion might be your best defense against rising deficits. From the "buy the dip" myth to the...

Imagine walking away from your career only to find the "finish line" for your savings keeps moving further away. In this episode of The Retirement Spectrum, Alan Cohen explores how to manage market volatility and the anxiety of outliving your money. Using a clever baseball metaphor, Alan explains why hitting "singles and doubles" with dividends and bonds is often more effective tha...

Volatility isn't just a market trend; it's the toll you pay for long-term retirement success. In this episode of The Retirement Spectrum, Alan Cohen dives into the shifting financial landscape of 2026, from the complexities of applying for Medicare to the "sticker shock" of rising inflation. Alan breaks down his "defense-first" strategy, explaining how to use dividend-growth stocks...

Is your retirement plan built to withstand a global energy crisis or a 20% market correction? This week on The Retirement Spectrum, Alan Cohen of Spectrum Wealth Partners breaks down how geopolitical tensions and rising interest rates are reshaping the financial landscape. From the "sweet spot" for Roth conversions to the power of protective growth investments, Alan explores strate...

In this episode of The Retirement Spectrum, host Alan Cohen explores why the current "March Madness" in the stock market doesn't have to mean a losing bracket for your nest egg. Drawing parallels between college basketball and market volatility, Alan breaks down the "Spock-like" logic needed to navigate shifting oil prices and high-interest rates. Discover the "Slam Dunk" strategies...

Volatility in the market doesn't have to mean volatility for your future. In this episode of The Retirement Spectrum, Alan Cohen dives into the realities of modern retirement planning, from the impact of global conflicts on your portfolio to the "sale" on taxes currently available through Roth conversions. Alan debunks the myth of decreasing expenses and explores the "three-bucket" ...