Providence Financial Retirement Show with Anthony Saccaro

Is your retirement plan built to create lasting income, or are you slowly draining your portfolio?

In this week's episode, we explain the key differences between an income strategy and a withdrawal strategy, and why that distinction matters more than most retirees realize. We also discuss Social Security timing, Roth conversions, taxes, RMDs, and how these decisions work together to impact your long-term retirement security.

Your r...

Most retirees know about market risk, but that's only one piece of the puzzle. In this week's episode, we explore the hidden risks that can quietly derail an otherwise solid retirement plan if you're not prepared for them ahead of time.

We break down how to stress test your portfolio against some of the biggest threats retirees face today, including inflation, rising taxes, sequence of returns risk, long-term care expenses, behavio...

Fifty years ago, retirement was simple. Today, it's anything but.

In this episode, we unpack why modern retirement planning is more complex (and more risky) than ever before. With people living longer and financial responsibility shifting from employers to individuals, the margin for error is smaller than ever. From deciding when to take Social Security to managing your own investments without a pension, the responsibility is now o...

The market dropped, then quickly recovered. But what if next time it doesn't?

In this episode, we break down why recent market rebounds can create a false sense of security, and how that mindset can quietly put your retirement at risk. Because history shows the market doesn't always bounce back quickly, and sometimes not at all - for years.

We also tackle key questions:
- Should you just ride out volatility, or make changes as you ...

Retirement isn't just about how much you've saved. It's about the decisions you make once you get there.

In this Q&A episode of the Providence Financial Retirement Show, we tackle some of the biggest (and most misunderstood) retirement questions that can have a massive impact on your long-term income and peace of mind.

Should you delay Social Security - or take it as soon as possible?
The answer depends on more than just age. We wa...

Most retirees think taxes are something you "deal with later." But that mindset can quietly create one of the biggest financial risks in retirement.

In this episode of the Providence Financial Retirement Show, we break down what we call the ticking tax time bomb - the buildup of pre-tax retirement savings that can lead to rising required minimum distributions, unexpected tax brackets, and even higher taxes on Social Security and Me...

Last week, we talked about war and market volatility. But what if the biggest risks to your retirement aren't the headlines at all?

In this episode, we go a level deeper, uncovering the less obvious forces shaping your financial future right now. From rising energy costs and persistent inflation to interest rates and global instability, these underlying shifts can quietly impact your income, your expenses, and how long your money l...

With global tensions rising and headlines dominated by war, uncertainty, and market swings, it's no surprise that many retirees are feeling uneasy. Watching your portfolio dip hits differently when you're no longer earning a paycheck.It's not just numbers anymore, it's your income, your lifestyle, and your future.

But here's the real question: is the current volatility actually the problem… or is it simply revealing something deepe...

Ever walked out of a meeting with a financial advisor thinking… "I should understand this, but I don't"? You're not alone. The world of finance is packed with industry jargon that can turn important conversations into confusing ones, leaving you unsure, overwhelmed, and sometimes hesitant to ask questions.

In this episode, we break down the language barrier. From terms like "basis points" and "alpha" to more complex concepts like "...

What's the biggest threat to your retirement? Most people assume it's the stock market, inflation, taxes, or Social Security changes. But in this episode of the Providence Financial Retirement Show, we explain why the real risk may actually be uncertainty.

When you're retired and relying on your portfolio for income, market volatility, global events, and rising interest rates can create stress and difficult decisions. We discuss:

Retirement changes everything about how your portfolio works. During your working years, you're adding money and riding out market ups and downs. But once you retire, the strategy flips; you're taking money out, and market downturns can suddenly become much more dangerous.

In this episode of the Providence Financial Retirement Show, we discuss why preparing for retirement risk before it appears is critical to protecting your future...

This week's podcast is dedicated to listener questions covering the topics that matter most to retirees and those preparing for retirement. From market volatility and retirement timing strategies to estate planning, Social Security timing, Roth conversions, long-term care options, and managing spending disagreements between spouses - this episode provides practical guidance to help you build a retirement plan based on income stabil...

You don't retire on account balances. You retire on income.

Many retirees feel uneasy as retirement approaches, even when they've saved and invested responsibly for decades. The issue isn't how much you've accumulated. It's whether your assets have been converted into reliable income.

In this episode, you'll learn:

- Why growth investing alone may not work in retirement
- When to begin shifting from accumulation to income
- The psy...

Social Security isn't just a filing decision. It's a lifetime income strategy.

In this episode of the Providence Financial Retirement Show, we  break down how Social Security decisions affect not only your monthly check, but your taxes, your spouse's income, and your long-term financial security.

You'll learn:

- Why filing too early can permanently reduce lifetime household income
- How survivor benefits really work (and why many w...

Most retirement stress doesn't come from bad decisions. It comes from bad assumptions. In this week's episode of the podcast, we explain why these common beliefs can quietly put pressure on your retirement:

• that spending will automatically go down
• that markets will always average out
• that Social Security will fill the gaps

What works during your working years doesn't always work once income depends on withdrawals. Learn why s...

This week's podcast is dedicated to listener questions covering the topics that matter most to retirees and those preparing for retirement. From market volatility and retirement timing strategies to estate planning, Social Security timing, Roth conversions, long-term care options, and managing spending disagreements between spouses - this episode provides practical guidance to help you build a retirement plan based on income stabil...

Why do you believe what you believe about retirement? Spoiler: it's probably not because it's true; but because you've heard it repeated over and over. 

In this week's show, we challenge the most repeated (and most dangerous) retirement assumptions. The 4% rule, "taxes go down" in retirement, "we'll adjust later," and the idea that markets always come back all sound comforting… until real life shows up. We'll break down why these b...

Many retirement plans are built with a "set it and forget it" mindset. As long as account balances look steady, it's easy to assume everything is working. But retirement doesn't work that way.

In this episode, we talk about why the biggest risk in retirement isn't always a market drop. It's the false sense of security that comes from calm markets and stable-looking statements. Real stability isn't tested when things are quiet. It's...

The "3-bucket strategy" is one of the most commonly used frameworks in retirement planning. Growth, conservative, and cash buckets may sound simple, but the rules governing how they work change dramatically once you retire.

Most traditional 3-bucket strategies are built around one core assumption: that retirement income will be generated by selling assets. The cash bucket is meant to be spent down, the conservative bucket tapped ne...