Retirement Planning Pipe-Line
Welcome to the Retirement Planning Pipe-Line! Your go-to resource for smart, strategic retirement planning. Whether you're a few years from retirement or just getting serious about your financial future, Retirement Planning Pipe-Line delivers expert insights, actionable advice, and real-world strategies to help you retire confidently and comfortably. Hosted by Retirement Planning Specialists Charles “David” Pipes, and Steve Zareck, this is the radio show and podcast that breaks down key topics like investment planning, tax strategies, Social Security optimization, estate planning, and more — all with a clear focus on helping you build a secure retirement. With 30 years of Retirement Planning experience, Charles and Steve cut through the noise, simplify the complex, and guide you through the pipeline to a well-prepared retirement. No jargon. No hype. Just clear, practical guidance to help you take control of your future. Subscribe now and start building your retirement game plan — one episode at a time! Call: 850-565-1705
Episodes
In episode 20 of the Retirement Planning Pipe-Line – Retirement Planning Specialists David Pipes and Steve Zareck discuss some important pitfalls – some don’ts to avoid in retirement – things like underestimating how much money you need in retirement, relying on the market in retirement, and transitioning your assets into income.
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Artificial intelligence is transforming the workplace faster than ever — and for older workers, that shift can feel both exciting and intimidating. Retirement.Radio’s Matt McClure sits down with Carly Roszkowski, VP of Financial Resilience Programming at AARP, to unpack how AI is reshaping the job market and what it means for workers over 50.
They explore new research showing that many o...
In episode 19 of the Retirement Planning Pipe-Line – Retirement Planning Specialists David Pipes and Steve Zareck touch on Income streams that never run out, preventing inflation from impacting your retirement, and the REAL COST of inflation!
They discus the hidden fees and charges on 401(k)s and other retirement accounts that could actually be threatening those very savings…Plus, how to...
Recession talk is back for 2026—it may not be in every headline, but the odds aren’t at zero percent. You need to be prepared for the scenario of a possible recession.Key Points Covered:
- Emergency Funds --- Start by building (or topping off) an emergency fund that covers three to six months of living expenses.
- Picking the Right Budgeting System – Whether old or new, using a budgetin...
In episode 18 of the Retirement Planning Pipe-Line – Retirement Planning Specialist David Pipes discusses the hidden fees and charges on 401(k)s and other retirement accounts that could actually be threatening those very savings…Plus, how to never let your savings run out, and the dangers of taking distributions at the wrong time…
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In episode 17 of the Retirement Planning Pipe-Line – Retirement Planning Specialists David Pipes and Steve Zareck break down early vs. delayed social security claiming, the things you need to know – the keys – to a successful retirement in 2026, and maximizing growth and income together for a more balanced retirement portfolio!
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Retirement.Radio's Matt McClure sits down with Rod Griffin, Senior Director of Consumer Education and Advocacy at Experian, for a practical and timely conversation about emergency savings. With rising living costs, recent holiday spending, and ongoing debt repayment putting pressure on household budgets, many Americans struggle to set money aside for unexpected expenses.
Matt and Rod bre...
In episode 16 of the Retirement Planning Pipe-Line – Retirement Planning Specialists David Pipes and Steve Zareck break down qualified vs. non-qualified funds in retirement, why the IRS created qualified funds, and steering through financial shifts in retirement.
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Don’t miss this episode if you’re...
Retirement.Radio’s Matt McClure sits down with Mark Steber, Chief Tax Officer of Jackson Hewitt, to break down what taxpayers need to know heading into the 2026 tax season. They discuss some of the biggest changes on the horizon, including an estimated $300 billion in refunds expected for millions of Americans — and why filing early and accurately can make a real difference.
Steber walks...
In episode 15 of the Retirement Planning Pipe-Line – Retirement Planning Specialists David Pipes and Steve Zareck stress why Social Security can’t be your only source of income in retirement, and break down inflation-proof planning for your retirement portfolio!
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In episode 14 of the Retirement Planning Pipe-Line – Retirement Planning Specialists David Pipes and Steve Zareck give practical strategies for lifetime retirement income and financial confidence. Plus, why annuities could be a key investment in 2026, and the guys give you the keys to rebalancing your portfolio, and tips for keeping those financial New Year's resolutions!
Enjoying the po...
In episode 13 of the Retirement Planning Pipe-Line – Retirement Planning Specialists David Pipes and Steve Zareck get you ready for the new year with practical financial planning you can achieve to improve your retirement portfolio for 2026!
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Don’t miss this episode if you’re looking to further se...
In this interview, Retirement.Radio’s Matt McClure speaks with Mary Hines Droesch, head of consumer and small business products at Bank of America, about holiday shopping trends. A major focus is how inflation and tariffs influence consumer behavior. The discussion also explores how dupe culture is emerging as a popular trend among younger generations who seek affordable alternatives to ...
In episode 12 of the Retirement Planning Pipe-Line – Retirement Planning Specialists David Pipes and Steve Zareck discuss why choosing to retain MYGAs (Multi-Year Guaranteed Annuities) and Fixed-Indexed Annuities over Bank CDs are a more beneficial choice for your retirement portfolio. Plus, why understanding the real rate of return—the number that determines whether you’re getting ahead...
In episode 11 of the Retirement Planning Pipe-Line - As the year draws to a close, it’s crunch time for investors and retirees alike. In episode 11 of the Retirement Planning Pipe-Line, Retirement Planning Specialists David Pipes and Steve Zareck unwrap the financial countdown to year-end, breaking down the key decisions that can impact your retirement strategy and tax outlook.
Plus:
RM...
In episode 10 of the Retirement Planning Pipe-Line, David and Steve detail the rising healthcare costs that could affect your ENTIRE retirement plan. Plus, the guys, go over how annuities are the safest option against market volatility.
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In episode nine of the Retirement Planning Pipe-Line, David and Steve dive deep into one of the most overlooked links in personal finance: the powerful connection between your health and your wealth. Medicare isn’t just a government program—it’s a cornerstone of retirement planning that can make or break your financial security later in life. The guys uncover how healthcare costs, covera...
In episode eight of the Retirement Planning Pipe-Line, David and Steve break down the basics of annuities, generating income from annuities, and why it’s imperative to swap out old annuities with newer annuities.
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Don’t miss this episode if you’re looking to further secure your financial future. M...
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