Retirement Education Hour

Retirement is one of the most heavily marketed industries in America. Dinner seminars, television shows, books, podcasts, free retirement plans, and social media all compete for your attention. The real challenge isn't...

Save 10%, withdraw 4%, replace 80% of your income. Retirement advice is full of rules of thumb, but are they right for you? In this episode, Kirk and Michael examine several of the most common retirement guidelines and...

Retirement risks are not always what people expect. This episode explores why some of the biggest retirement challenges stem less from markets and more from planning, spending behavior, and financial decision-making...

Many investors think retirement success is mainly about average return. In retirement, the timing of returns can matter just as much. In this episode, Kirk and Michael break down how losses early in retirement can have...

Most investors think asset allocation means choosing a percentage of stocks and bonds based on retirement dates. In retirement, the timing of your money matters far more. This episode explains how sequence of returns...

<p>Roth conversions are widely discussed but often misunderstood. In this episode, we begin by defining how Roth accounts and conversions work, then examine why conversions have gained attention in recent years. We...

<p>Many people delay retirement not because they lack money, but because what they call a plan does not give them confidence to stop working. In this episode, Kirk and Paul explain why you do not need to know everything...

<p>Many retirees are surprised to learn their taxes can increase after leaving the workforce. In this episode, we discuss how RMDs, Social Security taxation, and Medicare premiums affect retirement income, and why the...

<p>Anxiety can quietly undermine retirement decisions. In this episode, Kirk Cassidy and Dr. Paul Metler examine how analysis paralysis and loss aversion influence spending, investing, and retirement timing, and how...

<p>Without a clear plan, many retirees end up passing away with about the same amount of money they had when they retired, or even more. Why? Because they have been living off pensions and Social Security, only...

<p>In this episode of the Retirement Education Hour, Kirk Cassidy and Dr. Paul Metler unpack five critical and avoidable risks that can quietly erode even the most carefully built retirement plans. These...

<p>Only 40% of people actually choose when they retire. In this episode, Kirk Cassidy and Michael Masserant explain how layoffs and automation are driving unexpected retirements—and why that timing can be financially...

<p>Kirk Cassidy and Dr. Paul Metler break down the current government shutdown and why it’s more headline than threat to your retirement. They explain the real risk isn’t the shutdown itself, but how investors react to...

<p>Kirk Cassidy and Michael Masserant break down what the financial service industry often gets wrong about retirement. They explore how the accumulation stage, which involves building retirement savings while working...

<p>This month, the Federal Reserve cut interest rates for the first time in 2025. Kirk Cassidy and Michael Masserant, CFP® break down what the move means for retirement planning. Later, Dr. Paul Metler joins the...