Are spiraling healthcare bills, a sudden market crash, or a nasty tax bite keeping you up at night? In Episode 16 of The Perfect Retirement Plan? podcast, Phillip Smith, CFP® (Oregon‑based wealth manager, Marine veteran, and host) dissects the five biggest retirement fears: outliving your savings, skyrocketing medical costs, portfolio‑crushing bear markets, loss of identity after work, and stealthy retirement taxes. Packed with statistics (current as of 2024), real client stories, and and a little humor, this deep‑dive delivers actionable tactics late‑career professionals can use right now. Discover sustainable withdrawal guardrails, Roth conversion timing, bucket strategies, Medicare & Medigap cost planning, tax‑efficient IRA and 401(k) rollover moves, and a simple “purpose portfolio” approach that keeps life meaningful long after the paycheck stops. If you’re 55–65 and wondering, “Will I run out of money in retirement?”, hit play, and then sleep a little easier knowing you’ve got a roadmap.
#RetirementPlanning #RetirementFears #RetirementAdvice #FinancialAdvice
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Thanks for tuning in to this episode of The Perfect Retirement Plan, and remember: it's not about having the smartest financial advisor, the most money saved, or the highest probability of retirement success. The perfect retirement plan, for you – is the one you act on.
Phillip Smith, CRPC AIF | Financial Planner
Tidepool Wealth Strategies
450 Country Club Road, Suite 350 | Eugene, OR | 97401
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Additional Disclosures:
The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete.
All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.
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