A Smarter Way To Retire with Tony Leonardi, CFP®

A Smarter Way to Retire is your guide to building a confident financial future. Hosted by Tony Leonardi, CFP® this podcast breaks down the key steps to retirement planning in a clear, actionable way. Whether you’re approaching retirement or already there, you’ll get expert insights on financial modeling, wealth preservation, and making informed decisions for your future. Tune in for practical advice, thoughtful discussions, and a smarter way to retire.See website for full disclosures:www.LeonardiFamilyWealthcare.com

A Smarter Way To Retire with Tony Leonardi, CFP® is a business podcast hosted by Anthony Leonardi, with 78 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Anthony Leonardi hosts A Smarter Way To Retire with Tony Leonardi, CFP®, a business show with 78 episodes published.

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  Episode #79

  Withdrawal Strategies from the 3 Retirement Buckets | How to Take Income the Smart Way

  Aug 7, 202615 minS1

  How should you actually withdraw money from your retirement savings once you stop working? In this episode, I walk through practical withdrawalstrategies using the three-bucket retirement income approach. You’ll learn: - Why you should generally spend from Bucket 1 first - How to refill Bucket 1 without increasing risk - The “slow drip” method using dividends and interest - Why Bucket 3 should usually be protected - How tax location fits into the three-bucket framework - Common withdrawal mistakes that can quietly damage aplan This is the natural follow-up to last week’s episode on howto invest each of the three buckets. If you’d like to see how this strategy could work with yourown numbers, I’m offering to build your Smart Retirement Model at no cost or obligation while openings remain. Book a quick call here:https://www.leonardifamilywealthcare.com Subscribe for weekly retirement planning insights. There really is a smarter way to retire. #RetirementIncome #RetirementPlanning #ThreeBucketStrategy#SequenceOfReturns #TonyLeonardiCFP

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  Episode #78

  Why You Shouldn’t Invest All Your Retirement Money the Same Way

  Aug 1, 202612 minS1

  Once you’ve organized your retirement savings into threebuckets, the next important question is how to invest the money *inside* each one. In this episode, Tony Leonardi, CFP® explains why a singleallocation (like 60/40 or 70/30) applied to your entire portfolio often fallsshort — and how matching investment strategy to the job of each bucket cancreate a more intentional approach. You’ll learn: - Why investing *in* retirement is different from investing*for* retirement - How the Early Retirement Income Bucket is generallyinvested more conservatively for stability and availability - Why the Longer-Term Live On Bucket often uses a balancedor moderately growth-oriented mix - How the Leave On Bucket can support a higher growthallocation due to its longer time horizon - Key principles and common mistakes when applying amulti-bucket investment approach This discussion is high-level and educational. The rightinvestment mix depends on individual circumstances, risk tolerance, time horizon, and overall plan. Actual investment decisions should be made as part of a coordinated strategy with your advisor. **Free Resources:** - Take the Smart Retirement Strategy Quiz:LeonardiFamilyWealthcare.com/quiz - Download the Roth IRA Conversion Playbook (Free) - Download the Smart Tax Shield Legacy Playbook (Free) **Timestamps:** 00:00 – Introduction & Series Recap 01:41 – Keeping the Discussion High-Level 03:05 – The Common Mistake of One-Size-Fits-AllAllocations 04:18 – Why the 3-Bucket Framework Helps 04:47 – Bucket 1: Early Retirement Income Bucket 06:48 – Bucket 2: Longer-Term Live On Bucket 08:55 – Bucket 3: Leave On Bucket 10:35 – Key Principles for Investing Across the Buckets 12:22 – Common Mistakes to Avoid 13:43 – The Role of Financial Modeling 14:23 – Quiz, Playbooks & Next Steps If you’d like to explore how a three-bucket investmentapproach might apply to your situation, you can book a complimentary 15-minutecall at LeonardiFamilyWealthcare.com. Please refer to the website for full disclosures andadditional resources. #RetirementPlanning #3BucketStrategy #AssetAllocation#RetirementInvesting #SmartRetirement

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  Episode #76

  How to Fund Your 3 Retirement Buckets Tax-Efficiently

  Jul 24, 202614 minS1

  Once you’ve organized your retirement savings into three buckets, the next important step is learning how to fund them in a tax-efficient way. In this episode, Tony Leonardi, CFP® explains how to strategically fill each of the three buckets — the Early Retirement Income Bucket, the Longer-TermLive On Bucket, and the Leave On Bucket — while considering taxes, RMDs, IRMAA, and legacy planning. You’ll learn: -Why the best way to fund each bucket depends on your specific situation -When it makes sense to use taxable vs. tax-deferred accounts in Bucket 1 -How to use Roth conversions and strategic withdrawals in Bucket 2 -Why Bucket 3 is often ideal for Roth conversions and legacy strategies Free Resources: -Take the Smart Retirement Strategy Quiz:LeonardiFamilyWealthcare.com/quiz -Download the Roth IRA Conversion Playbook (Free) -Download the Smart Tax Shield Legacy Playbook (Free) Timestamps: 00:00 – Introduction & 3-Bucket Recap 02:17 – Refining TaxWithdrawal Strategies 04:47 – Bucket 1: Early Retirement Income Bucket Funding09:21 – Bucket 2: Longer-Term Live On Bucket Strategies 12:37 – Bucket 3: Leave On Bucket & Legacy Planning 14:18 – Key Principles for Tax-EfficientFunding 16:44 – Why Personalization Matters + CTA If you’d like help building and funding your own 3-bucket retirement plan, book a complimentary 15-minute call at LeonardiFamilyWealthcare.com. #RetirementPlanning #TaxEfficientRetirement #3BucketStrategy#RothConversions #SmartRetirement

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  Episode #76

  The 3-Bucket Retirement Strategy Most People Are Missing

  Jul 17, 202611 minS1

  Most people only think about two buckets of retirement money— what they’ll spend and what they’ll leave to their kids. But there’s a critical third bucket that can make a significant difference, especially in the early years of retirement. In this episode, Tony Leonardi, CFP® explains why adding an**Early Retirement Income Bucket** (designed to cover the first 3–5 years of retirement spending) can be helpful for **helping to protect** against Sequenceof Returns Risk. You’ll learn: - Why the traditional two-bucket approach is often notenough - How Sequence of Returns Risk can impact early retirement - The purpose of the Early Retirement Income Bucket - How the 3-bucket system gives you better clarity andstructure This episode builds on our conversation about Live On vsLeave On assets and introduces a practical framework for the early years of retirement. Free Resources: - Take the Smart Retirement Strategy Quiz →LeonardiFamilyWealthcare.com/quiz - Book a complimentary Smart Retirement Model call If you’re within 5 years of retirement or recently retired,this is an episode you won’t want to miss. #RetirementPlanning #SequenceOfReturns #3BucketStrategy#EarlyRetirement

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  Episode #73

  The $1.5 Million Retirement Trap Most Successful Savers Fall Into

  Jun 19, 20266 minS1

  If you have $1.5 million or more in retirement accounts — and you don’t actually need all of it to live on comfortably — this episode is for you. In this video, Tony Leonardi, CFP®, reveals the hidden problem that affects many successful savers: Without proper planning, the IRS can end up as one of your largest “heirs” — taking two bites at the same retirement savings. You’ll learn: -Why RMDs and the 10-year inherited IRA rule can cost your family hundreds of thousands (or more) in taxes -The critical distinction between Live On assets (for you) and Leave On assets (for your heirs) -How to structure your plan more intelligently for both your lifestyle and your legacy Whether you have strong pension income, substantial non-retirement savings, or simply more in IRAs and 401(k)s than you need, this episode will show you how to avoid the common traps most successful savers fall into. Take the Free Smart Retirement Strategy Quiz Discover which of the 18 retiree profiles best matches your situation: → LeonardiFamilyWealthcare.com/quiz Free Guides Mentioned: -Roth IRA Conversion Playbook (2026 Edition) -Smart Tax Shield Legacy Playbook Both available for free on my website. Timestamps: 00:00 – Introduction: The $1.5M+ Retirement Trap 02:10 – Why the IRS Takes Two Bites at Your Savings 05:30 – Live On vs Leave On Assets Explained09:15 – Real Impact on You and Your Heirs 12:40 – The Smart Retirement StrategyQuiz 14:20 – Next Steps & Complimentary Smart Retirement Model Offer If you have substantial retirement savings and want a smarter, more personalized plan, book a quick 15-minute call with me:LeonardiFamilyWealthcare.com #RetirementPlanning #TaxStrategy #LegacyPlanning #SmartRetirement#HighNetWorth #RetirementTrap

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