Retirement GPS - Navigated by Zynergy
The Retirement GPS Podcast helps you navigate the road to and through retirement with clarity and confidence. Hosted by Ryan Zacharczyk, CFP®, President of Zynergy Retirement Planning, each episode breaks down the most important financial topics. From tax strategies and income planning to Social Security, investing, and estate considerations, we cover the issues that matter most—without the jargon. Our goal is simple: give you the tools and guidance to make informed decisions, avoid costly mistakes, and stay on course for the retirement you deserve. Whether you’re already retired or planning ahead, consider this your personal guide to a smarter, more intentional future. Learn more at zynergyretirement.com and follow Zynergy Retirement on Instagram, Facebook, and LinkedIn! Also, look out for our Mile Markers blog series that corresponds to the podcast episode you just listened to.
Episodes
Episode #64: How Do You Pay Yourself in Retirement? Creating a Reliable Retirement Paycheck!
Retirement changes the way you receive and manage your money. But how do you turn Social Security, pensions, investments, and other income sources into a predictable paycheck you can rely on?
In this episode of Retirement GPS, Ryan Zacharczyk, CFP®, president of Zyne...
Episode #63: If the Market Is Overvalued, Why Is It Still Going Up?
The stock market looks expensive by historical standards, so why does it keep going higher? And more importantly, should you actually do anything about it?
In this episode of Retirement GPS, Ryan Zacharczyk, CFP®, explains how market valuations work and why high valuations don't necessarily mean a market crash is coming. He breaks down P/E ratios, the Shiller CAPE,...
Episode #62: Should You Invest for Income in Retirement? The Truth About Dividends and Interest
When you retire and your paycheck stops, it can be tempting to build your portfolio around dividends and interest. But focusing too heavily on investment income could lead to unnecessary risk and poor investment decisions.
In this episode of Retirement GPS, Ryan Zacharczyk, CFP®, explains why total return is more important than simply ch...
Episode #61: Giving While You're Living: Should You Gift Your Money Now?
What if you could help your family with your money today instead of waiting for them to inherit it years from now? Lifetime gifting can create meaningful opportunities for your loved ones while allowing you to experience the impact of your generosity.
In this episode of Retirement GPS, ...
Where you live can have a huge impact on your happiness, lifestyle, and finances in retirement. But is the highest-ranked retirement destination actually the best place for you?
In this episode of Retirement GPS, Ryan Zacharczyk, CFP®, explores the top 10 retirement destinations in America and the factors you should consider when deciding where to spend your ret...
When evaluating investments, it's easy to focus on average returns. But averages often tell only part of the story and relying on them alone can lead to costly investment decisions.
In this episode of Retirement GPS, Ryan Zacharczyk, CFP®, explains why past performance can be misleading and why understanding volatility, sequence of returns risk, and investor b...
For decades, you've been taught to save, invest, and live below your means. But once you retire, the goal changes and for many retirees, that's one of the hardest adjustments to make.
In this episode of Retirement GPS, Ryan Zacharczyk, CFP®, explores the psychological shift from saving for retirement to confidently spending the money you've w...
Inflation has dominated the headlines in recent years, and as prices continue to rise, many retirees are asking the same question: Should I be worried about my retirement?
In this episode of Retirement GPS, Ryan Zacharczyk, CFP®, explains how inflation impacts retirees differently than those still working and why it's one of the most important factors to account...
Episode #56: The Retirement Red Zone – Your Final Year Before Retirement
The final year before retirement is one of the most important and often overlooked stages of the retirement planning process. The decisions you make during these last 12 months can have a lasting impact on your financial security and peace of mind.
In this episode of Retirement GPS, Ryan Zacharczyk, CFP®, introd...
Episode #55: Why Working After 65 Might Be the Best Retirement Decision You Make
Retirement doesn't have to mean the end of work. For many people, continuing to work after age 65 isn't about necessity, it's about freedom, purpose, and living life on your own terms.
In this episode of Retirement GPS, Ryan Zacharczyk, CFP®, explores three compelling reasons why working beyond the traditional...
Episode #54: Safe Distribution Rates – How Much Can You Safely Spend in Retirement?
One of the biggest questions retirees ask is, "How much can I safely withdraw from my retirement portfolio without running out of money?" The answer isn't as simple as following a rule of thumb.
In this episode of Retirement GPS, Ryan Zacharczyk, CFP®, breaks down the concept of safe distribution rate...
Episode #53: IPO Fever – Why the Hottest Investments Often Make the Worst Investments
When a new company goes public, it's easy to get caught up in the excitement. But are the hottest IPOs really the best investments for your long-term financial future?
In this episode of Retirement GPS, Ryan Zacharczyk, CFP®, explores the hype surrounding Initial Public Offerings (IPOs) and explains...
Episode #52: What Retirees Wish They Had Done 10 Years Earlier
If you could go back in time and make a few changes before retirement, what would you do differently? While none of us can change the past, we can learn from those who have already been there.
In this episode of Retirement GPS, Ryan Zacharczyk, CFP®, shares some of the most common retirement regrets he hears from retirees and t...
Episode #51: Retirement Tax Traps That Could Cost You Thousands
Many people assume they'll pay less in taxes once they retire, but that's not always the case. Without proper planning, hidden tax rules can create unexpected costs that significantly impact your retirement income.
In this episode of Retirement GPS, Ryan Zacharczyk, CFP®, breaks down five of the most common retirement tax trap...
Episode #50: Tax Loss Harvesting – Turning Market Volatility Into Tax Savings
Market volatility can be unsettling—but what if a market downturn could actually help lower your taxes?
In this episode of Retirement GPS, Ryan Zacharczyk, CFP®, breaks down one of the most effective tax strategies available to investors with taxable brokerage accounts: tax loss harvesting. Learn how ...
Episode #49: New Jersey's $6,500 Retirement Tax Break – Are You Missing Out?
If you're a New Jersey homeowner age 65 or older, you could be leaving thousands of dollars in property tax relief on the table.
In this episode of Retirement GPS, Ryan Zacharczyk, CFP®, breaks down New Jersey's three major property tax relief programs for seniors—the Senior Freeze, ANCHOR, and the rec...
What should you be doing throughout the year to stay on track for retirement?
In this episode of Retirement GPS, Navigated by Zynergy, Ryan Zacharczyk, CFP®, and co-host Zane Belcak pull back the curtain on Zynergy Retirement Planning’s annual planning process and show you how to create your own retirement planning calendar.
Rather than scrambling at tax time or revisiting your finances only when something goes wrong, a struc...
What do you need to think about if you are retiring with $7 million? Ryan Zacharczyk & Zane Belcak walk you through, step-by-step, using their GPS program, each of the components that should be intentionally decided upon to maximize your retirement.
In this podcast, we discuss:
- Goal Setting
- Cash Flow
- Emergency Reserves
- Investing
- Distributions
- Taxes
- Insurances
- Estate Planning
- And much, much more!
In this episode, Ryan and Zane dive into the different types of risks that we face in our investments. Why there is no such thing as a "risk-free" investment, and the importance of understanding what risk you are accepting, regardless of the investment you choose. If you don't know the risk you are accepting, you are at greater risk.
In this episode of the Retirement GPS Podcast, Ryan and Zane break down one of the most controversial topics in retirement planning: annuities.
Are annuities a smart way to create guaranteed retirement income, or are they expensive products that limit flexibility and growth? Ryan and Zane cut through the confusion, sales pitches, and industry noise to explain how annuities actually work and where they m...
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