Providence Financial Retirement Show with Anthony Saccaro
What you don't know CAN hurt you! Retirement is the most expensive purchase you'll ever make and, because you only get one shot, you better get it right. This show is dedicated to helping retirees and Baby Boomers learn what they need to know so they can make informed decisions and retire successfully. And best of all, we make it understandable! If you want to learn how to avoid some of the more common mistakes I've seen retirees and Boomers make over the last two decades, tune in; and if you like what you hear, kindly consider giving us a review. It helps our show reach more people like you.
Episodes
Long-term care is one of the most underestimated — and financially devastating — challenges facing retirees today. In this week’s episode of The Providence Financial Retirement Show, we break down everything you need to know about preparing for the possibility of needing care in your later years.
Whether it’s home health assistance, assisted living, or full-time nursing care, the reality is that 70% of people over age 65 will need ...
Join me for a comprehensive review of retirement account essentials — covering how to maximize benefits, avoid pitfalls, and optimize for both tax efficiency and legacy planning.
- Traditional IRA: Tax-deferred contributions grow until withdrawal; ideal for those seeking upfront tax deductions
- Roth IRA: After‑tax contributions grow tax-free, with no required minimum distributions—great for long‑term tax flexibility
- Roth Convers...
Join us for a Q&A-style deep dive as we tackle the retirement planning questions you’ve been asking:
Inflation: Learn how rising prices slowly chip away at your purchasing power — what used to cover essential expenses now may fall short.
Interest Rates: Discover the ripple effect of rate changes on income streams and savings—whether you’re holding CDs or fixed-income investments.
Stock Market Volatility: Anthony explains why market...
Welcome to episode #400! This week, we explore the unseen cost of inaction in retirement planning — from delaying tax planning and staying trapped in growth investments (rather than shifting to income investments), to hoping the market simply rebounds.
With interest rates expected to drop later this year and tax laws set to evolve — such as potential extensions of tax cuts and raised standard deductions for seniors — clinging to o...
With recent market turbulence — fueled by geopolitical tensions, rising oil prices, tariffs, and inflation — many retirees are feeling the pressure. How do you stay grounded when everything is shifting? In this week's podcast, we break down how these forces can impact your retirement income strategy and why having a proactive, long-term plan is more important than ever.
What you'll learn:
- How Fed policy is evolving in response to...
We take the time this week to explore the evolving dynamics of retirement planning. Gone are the days when a 30-year tenure at a single company culminated i...
This week's podcast sheds light on seven critical yet often overlooked warning signs that could derail your retirement plans.
1. Market Volatility: Sudden market swings can significantly impact your retirement savings, especially if they occur early in your retirement. Understanding sequence of returns risk is crucial to safeguarding your nest egg.
2. Inflation's Silent Erosion: Over time, inflation can diminish your purchasing p...
This week's podcast is focused on the intricacies of Required Minimum Distributions (RMDs) and Roth IRA conversions—two pivotal elements in retirement planning.
With the age for initiating RMDs now set at 73, retirees are compelled to withdraw a minimum amount annually from their traditional retirement accounts, potentially escalating their taxable income. We explore strategies to manage these distributions effectively, including t...
This week on the podcast we delve into the rising interest in annuities as a response to current economic uncertainties. With market volatility, discussions...
In this episode of the Providence Financial Retirement Show, we discuss the recent implementation of President Trump's tariffs and their potential impact on the economy and retirees. With tariffs reaching up to 145% on Chinese imports, consumers may face higher prices on everyday goods, from electronics to clothing.
Anthony discusses how these tariffs, intended to protect domestic industries and influence trade negotiations, can le...
In this episode of the podcast, we delve into the often-overlooked emotional aspects of retirement planning. While market corrections, geopolitical tensions, and economic uncertainties can stir anxiety, it's the mastery over our emotional responses that truly determines retirement success.
A successful retirement isn't solely about the size of your portfolio but about ensuring a steady income stream that lasts a lifetime. Drawing ...
In this week's podcast, we delve into four critical aspects of retirement planning that can significantly impact your financial future.
- Roth Conversions: This strategy involves transferring funds from a traditional IRA or 401(k) to a Roth IRA, paying taxes on the converted amount now to enjoy tax-free withdrawals later. It's particularly beneficial if you anticipate higher tax rates in the future or want to reduce required minim...
In this episode, we explore how retirement planning can resemble a magic show—filled with illusions that may mislead.We'll discuss how perceived low-risk investments might carry hidden dangers, the imp...
In this week's episode, we delve into the recent market volatility and the factors contributing to it, including trade policy uncertainties and economic growth concerns. We discuss the importance of having a well-structured plan that anticipates market fluctuations, ensuring you're prepared to respond calmly rather than react emotionally.
Just as regular health check-ups can catch issues early, proactive portfolio planning can help...
In this episode, we explore critical areas where procrastination can lead to unexpected challenges in retirement. By addressing these issues early, you can ensure a more secure and comfortable future:
1. Tax Planning: Delaying tax strategies can result in higher liabilities during retirement. Proactive planning helps minimize taxes on withdrawals and investments, preserving more of your savings.
2. Long-Term Care: Many underesti...
In this episode, we examine eight common retirement expectations and contrast them with the realities many retirees face:
1. Lower Expenses: Many anticipate reduced living costs in retirement, but factors like healthcare, travel, and leisure activities can keep expenses high.
2. Manageable Healthcare Costs: While some believe Medicare will cover all health expenses, out-of-pocket costs for services like dental, vision, and long-te...
In this episode, we challenge conventional retirement planning approaches that may not suit everyone's unique needs:
The Buy-and-Hold Dilemma: Wall Street often promotes a buy-and-hold strategy, encouraging investments in stocks and mutual funds without considering how to convert these assets into usable income during retirement. Without a clear plan to liquidate these assets, retirees might struggle to access their wealth when nee...
In this episode, we delve into two primary strategies for funding your retirement:
- Income Method (Interest and Dividends): This approach focuses on generating income by investing in assets that provide regular interest or dividend payments, such as bonds or dividend-paying stocks. By living off this income, you preserve your ...
Retirement isn’t just about leaving work — it’s about stepping into a new chapter of life with purpose and intention. But too many retirees find themselves feeling lost once they’re no longer defined by their careers. Who are you now, and what will you do to stay fulfilled?
In this episode, we’ll discuss how to be proactive in shaping a meaningful retirement. We’l...
Just like sports, retirement requires a solid game plan. Are you ready for the biggest game of your life? In this episode, we’ll walk you through the Retirement Playbook — a strategic guide to ensure all the components of your retirement work together seamlessly so you can win the retirement game.
But what does “winning” in retirement actually mean? It’s about having financial security, peace of mind, and the freedom to enjoy life ...
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