The Retirement Power Hour

2026 Contribution Limits

Thu, 12 Feb 2026 14:00:00 -0600

How much can you contribute to your 401(k), IRA, Roth IRA, HSA, or SIMPLE IRA in 2026? In this episode of the Retirement Power Hour, Joe Allaria, CFP®, breaks down the latest retirement contribution limits, catch-up rules, income phase-outs, tax deduction changes, and key updates from recent legislation so you can make smarter decisions about saving for retirement.

If you’re wondering whether you’re contributing enough or where your money should be going this episode will help you understand the numbers and stay on track toward your retirement goals.

Submit Your Questions To submit a listener question, visit our website, https://www.retirementpowerhourpodcas..., and enter the details of your question.

Leave a Review Visit https://www.retirementpowerhourpodcas... to leave a review on Apple Podcasts or Spotify.

Resources

Disclaimer: All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss, and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, Ltd., a Registered Investment Advisory firm. The information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement. Learn more about CarsonAllaria Wealth Management at https://carsonallaria.com/

Invest Wiser & Retire Better!

2026 Stock Market Predictions

Mon, 09 Feb 2026 15:00:00 -0600

The new year always brings a wave of stock market forecasts… but how accurate are they really?

In this episode of the Retirement Power Hour, Joe Allaria, CFP®, and Jay Waters break down the biggest 2026 market predictions from major financial institutions and review how accurate their predictions were in 2025. The results may surprise you.

This annual episode isn’t about telling you where the market is going… it’s about showing why building your financial plan around predictions is risky and why a personalized investment strategy matters more than headlines.

Submit Your Questions To submit a listener question, visit our website, The Retirement Power Hour, and enter the details of your question.

Leave a Review Visit The Retirement Power Hour to leave a review on Apple Podcasts or Spotify.

2026 Predictions Resources

1. 2025 Stock Market Predictions

2. Will 2026 Be a High-Wire Act for Markets?

3. Will Mortgage Rates Go Down in 2026?

4. J.P. Morgan: The Inflation Outlook

5. The Global Economy Is Forecast to Post 'Sturdy' Growth of 2.8% in 2026

6. 5 Predictions for the Stock Market in 2026- And Which Stocks Will Soar the Most If They're Right

7. Top 5 Market Predictions for 2026

8. The 2026 Bear Market Nobody Sees Coming (Except This Wall Street Veteran)

9. Why US Stocks Will Outperform International in 2026, Says Fidelity's Chisholm

Roth vs Traditional 401(k): Pros, Cons, and How to Choose

Wed, 26 Nov 2025 09:00:00 -0600

In this episode of the Retirement Power Hour, Joe Allaria, CFP®, breaks down the key differences between Roth and Traditional retirement accounts so you can make smarter, more tax-efficient decisions with your savings.

We’ll cover:
🔹 The real tax advantages of each account
🔹 Who should choose Roth vs who should choose Traditional
🔹 How your income level and future tax bracket affect your decision
🔹 Why some people benefit from using BOTH
🔹 What the Backdoor Roth IRA is and when it makes sense

This is Episode 2 in our 401(k) Series. If you missed Episode 1 "How Much Should You Contribute to Your 401(k)?", and Episode 2, "How Should I Invest My 401(k)?" be sure to check them out first!

Submit Your Questions To submit a listener question, visit our website, https://www.retirementpowerhourpodcas..., and enter the details of your question.

Leave a Review Visit https://www.retirementpowerhourpodcas... to leave a review on Apple Podcasts or Spotify.

Disclaimer: All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss, and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, Ltd., a Registered Investment Advisory firm. The information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement. Learn more about CarsonAllaria Wealth Management at https://carsonallaria.com/

Invest Wiser & Retire Better!

How Should I Invest my 401(k)?

Thu, 16 Oct 2025 14:00:00 -0500

According to a 2023 SurveyMonkey study, 46% of 401(k) investors don’t know what they’re actually invested in. If that’s you — don’t worry, you’re not alone.
In this episode of The Retirement Power Hour, Joe Allaria, CFP®, breaks down the most common 401(k) investment options and helps you answer one of the most important retirement questions: "How should I invest my 401(k)?"

We’ll cover:
✔️ Target date funds: pros, cons, and how to adjust
✔️ DIY investing: building your mix of large cap, small cap, international, and bond funds
✔️ The truth about high-yield (“junk”) bond funds
✔️ Passive vs. active management inside your 401(k)
✔️ What managed account services really offer
✔️ Hidden fees to watch out for
✔️ When to consider a self-directed brokerage account
✔️ Whether an in-service rollover to an IRA makes sense for you

This is Episode 2 in our 401(k) Series. If you missed Episode 1 "How Much Should You Contribute to Your 401(k)?", be sure to check it out first!

Resources Mentioned in the Show:
The Evolution of Qualified Default Investment Alternatives
Go Global for Diversification that Travels Well

Submit Your Questions To submit a listener question, visit our website, https://www.retirementpowerhourpodcas..., and enter the details of your question.

Leave a Review Visit https://www.retirementpowerhourpodcas... to leave a review on Apple Podcasts or Spotify.

Disclaimer: All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss, and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, Ltd., a Registered Investment Advisory firm. The information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement. Learn more about CarsonAllaria Wealth Management at https://carsonallaria.com/

Invest Wiser & Retire Better!

How Much Should I Contribute To My 401(k)?

Mon, 15 Sep 2025 16:00:00 -0500

According to the 2025 Intuit Prosperity Index, 68% of Americans aren’t confident they’ll ever be able to retire. One big reason? Most people don’t know how much they should contribute to their 401(k).

In this episode of The Retirement Power Hour, Joe Allaria, CFP®, breaks down exactly how much you should be contributing to your 401(k)—based on your age, income, and personal situation. You’ll learn:

-Why getting your employer match is non-negotiable
-The “rules of thumb” for 401(k) contribution percentages at different ages
-How to know if you’re on track with your retirement savings
-Simple strategies to increase your contributions (even if you feel behind)

Resources Mentioned in this Episode:
1. Nearly Half of American Households Have No Retirement Savings
2. How Much Do I Need To Save To Retire?
3. Are You On Track?
4. Retirement Insecurity 2024: Americans' View of Retirement

Submit Your Questions
To submit a listener question, visit our website, and enter the details of your question.

Leave a Review
Visit our website to leave a review on Apple Podcasts or Spotify.

Disclaimer:
All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss, and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, Ltd., a Registered Investment Advisory firm. The information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.

Learn more about CarsonAllaria Wealth Management at https://carsonallaria.com/

Invest Wiser & Retire Better!

What Are Tariffs, and Will They Affect Me?

Fri, 28 Feb 2025 15:00:00 -0600

Are tariffs about to hit your wallet and your investment portfolio? In this episode of Retirement Power Hour, Joe Allaria, CFP®, breaks down exactly what tariffs are, how they work, and most importantly—what they mean for your retirement savings and day-to-day expenses.

From the latest moves by the U.S., China, Canada, and Mexico to expert opinions from PIMCO, Goldman Sachs, JP Morgan, and more, we’re giving you a balanced look at what’s happening and what it could mean for your financial future.

Check out our article on this topic: How Tariffs Could Impact Your Investments, Retirement, and Everyday Expenses

If you enjoyed this episode, make sure to check out our podcast 2025 Stock Market Predictions https://youtu.be/S39zw8sMUqI

Resources Mentioned in this Episode:
-Trump suspends tariffs on small packages from China
-Trump agrees to pause tariffs on Canada and Mexico but not on China
-China's tit-for-tat tariffs on US take effect
-What the U.S. Tariffs Mean for Investors
-How Will Tariffs Affect Your Investments?
-How investors looking for good returns can navigate Trump tariffs
-Tariffs rattle stock markets, but what’s the long-term impact?
-Tariffs on the rise: Implications for your portfolio
-Trump tariffs will cost U.S. households $830 a year, study says
-Trump's tariffs on Canada, Mexico, and China would cost the typical US household over $1,200 a year
-What are tariffs and why is Trump using them?

If you enjoyed this episode, make sure to check out our podcast 2025 Stock Market Predictions

Submit Your Questions
To submit a listener question, visit our website, and enter the details of your question.

Leave a Review
Visit https://www.retirementpowerhourpodcast.com/ to leave a review on Apple Podcasts or Spotify.

Disclaimer:
All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss, and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria & Jay Waters are Investment Adviser Representatives of CarsonAllaria Wealth Management, Ltd., a Registered Investment Advisory firm. The information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.

Learn more about CarsonAllaria Wealt

2025 Stock Market Predictions

Fri, 31 Jan 2025 14:00:00 -0600

In this new episode of the Retirement Power Hour, Joe Allaria, CFP®, & Jay Waters break down how financial "experts" consistently make incorrect market predictions. They highlight key misses from 2024, including false recession calls, incorrect volatility forecasts, and failed AI bubble predictions. The takeaway? Ignore the noise, focus on a strategy built around your personal financial plan, and invest wisely for the long term.

If you enjoyed this episode, make sure to check out our podcast 2025 Contribution Limits

Submit Your Questions
To submit a listener question, visit our website, and enter the details of your question.

Leave a Review
Visit https://www.retirementpowerhourpodcast.com/ to leave a review on Apple Podcasts or Spotify.

Disclaimer:
All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss, and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria & Jay Waters are Investment Adviser Representatives of CarsonAllaria Wealth Management, Ltd., a Registered Investment Advisory firm. The information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.

Learn more about CarsonAllaria Wealth Management at https://carsonallaria.com/

Invest Wiser & Retire Better!

2025 Contribution Limits

Tue, 24 Dec 2024 11:00:00 -0600

Welcome to the Retirement Power Hour with Joe Allaria, CFP®. In episode 35, we break down the 2025 retirement contribution limits and key tax changes you need to know. Learn about updates to IRAs, Roth IRAs, 401(k)s, SIMPLE IRAs, and more—including the new provisions introduced by Secure Act 2.0.

Key Topics Discussed:
IRA and Roth IRA contribution limits and phase-outs
New 401(k) and SIMPLE IRA catch-up provisions
Changes to tax brackets, standard deductions, and Social Security wage base
HSA contribution updates for 2025

If you enjoyed this episode, make sure to check out our podcast Whole Life Vs. Term Life

Submit Your Questions
To submit a listener question, visit our website, and enter the details of your question.

Leave a Review
Visit https://www.retirementpowerhourpodcast.com/ to leave a review on Apple Podcasts or Spotify.

Disclaimer:
All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, Ltd., a Registered Investment Advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.

Learn more about CarsonAllaria Wealth Management at https://carsonallaria.com/

Invest Wiser & Retire Better!

Whole Life vs. Term Life

Wed, 27 Nov 2024 11:00:00 -0600

In this episode, Joe Allaria, CFP®, and Jay Waters dive deep into the pros and cons of two popular types of life insurance: Term Life and Whole Life. While both offer unique benefits, choosing the right policy depends on your individual financial goals.

Key Terms Discussed:
-Term Life Insurance
-Whole Life Insurance
-The Cash Value Debate
-Guaranteed Dividends
-Buy Term, Invest the Rest

Whether you’re new to life insurance or reassessing your coverage, this episode will help you understand the key differences between these two policies and give you the tools to make an informed decision.

If you enjoyed this episode, make sure to check out our podcast How Much Life Insurance Do I Need?

Submit Your Questions
To submit a listener question, visit our website, and enter the details of your question.

Leave a Review
Visit https://www.retirementpowerhourpodcast.com/ to leave a review on Apple Podcasts or Spotify.

Disclaimer:
All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, Ltd., a Registered Investment Advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.

Learn more about CarsonAllaria Wealth Management at https://carsonallaria.com/

Invest Wiser & Retire Better!

How Much Life Insurance Do I Need?

Thu, 03 Oct 2024 14:00:00 -0500

Welcome to Retirement Power Hour! In Episode 33, host Joe Allaria, CFP®, discusses the key factors in determining how much life insurance you need. He covers important considerations like paying off mortgages, covering future expenses for children, and replacing income for a spouse, along with strategies for wealth transfer and estate tax planning. Joe also explains the difference between term and permanent life insurance, helping you decide what best suits your needs.

If you enjoyed this episode, make sure to check out our podcast Can I Retire with $1M at age 60?

Submit Your Questions
To submit a listener question, visit our website, and enter the details of your question.

Leave a Review
Visit https://www.retirementpowerhourpodcast.com/ to leave a review on Apple Podcasts or Spotify.

Disclaimer:
All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, Ltd., a Registered Investment Advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.

Learn more about CarsonAllaria Wealth Management at https://carsonallaria.com/

Invest Wiser & Retire Better!

30 Years of Financial Advice: Scott Carson's Tips and Lessons

Tue, 27 Aug 2024 11:00:00 -0500

Welcome to Retirement Power Hour! In Episode 32, host Joe Allaria, CFP®, interviews Scott Carson, a seasoned wealth advisor with over 30 years of experience. Scott, a senior wealth advisor at CarsonAllaria Wealth Management, shares valuable insights from his extensive career in financial planning.

If you enjoyed this episode, make sure to check out our latest podcast Can I Retire with $1M at age 60?

Submit Your Questions
To submit a listener question, visit our website, and enter the details of your question.

Leave a Review
Visit https://www.retirementpowerhourpodcast.com/ to leave a review on Apple Podcasts or Spotify.

Disclaimer:
All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, Ltd., a Registered Investment Advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.

Learn more about CarsonAllaria Wealth Management at https://carsonallaria.com/

Invest Wiser & Retire Better!

Can I Retire with $1M at Age 60?

Mon, 05 Aug 2024 15:00:00 -0500

Can you retire with $1M at age 60? Tune in to Episode #31 as host Joe Allaria, CFP®, discusses the different factors that impact the answer, including your retirement expenses, other income, Social Security, and more.

If you enjoyed this episode, make sure to check out our latest podcast on How to Retire Early Using Phases

Submit Your Questions
To submit a listener question, visit our website, and enter the details of your question.

Leave a Review
Visit https://www.retirementpowerhourpodcast.com/ to leave a review on Apple Podcasts or Spotify.

Disclaimer:
All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, Ltd., a Registered Investment Advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.

Learn more about CarsonAllaria Wealth Management at https://carsonallaria.com/

Invest Wiser & Retire Better!

How to Retire Early Using Phases

Wed, 10 Jul 2024 13:00:00 -0500

Do you want to retire now and gain more freedom sooner? The answer could be yes, but the path to achieving it might differ from what you imagine. In episode #30 of the Retirement Power Hour, Joe Allaria, CFP®, and Mark Allaria, CFP®, sit down and discuss ways you can retire early using phases. Many people envision retirement as abruptly shifting from a 40-hour workweek to working zero hours. However, incorporating a semi-retirement phase can allow you to experience retirement earlier and can offer additional benefits.

If you enjoyed this episode, make sure to check out our latest podcast on How to Reduce Taxes with Charitable Giving.

Submit Your Questions
To submit a listener question, visit our website, The Retirement Power Hour Website and enter the details of your question.

Leave a Review
Visit The Retirement Power Hour Website to leave a review on Apple Podcasts or Spotify.

Disclaimer:
All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of , a Registered Investment Advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.

Learn more about CarsonAllaria Wealth Management at https://carsonallaria.com/

Invest Wiser & Retire Better!

Reduce Taxes with Charitable Giving

Wed, 15 May 2024 11:00:00 -0500

Are you tired of donating cash to charities and missing out on potential tax savings? In this episode of the Retirement Power Hour, Joe Allaria, CFP®, provides four different ways, including Gifting Appreciated Shares, Qualified Charitable Distributions (QCDs), Bunching Donations Into One Year, and Mega-Bunching with Donor Advised Funds, that you can use to reduce your taxes while still giving to the charities that you care about.

Resources Mentioned on the Show:
• Charitable Donations Using Stock Not Cash
• Can I Lower My Taxes with a Donor Advised Fund
• Lowering Taxes with QCDs

If you enjoyed this episode, make sure to check out our latest podcast on The Stock Market During an Election Year.

Submit Your Questions
To submit a listener question, visit our website, The Retirement Power Hour Website and enter the details of your question.

Leave a Review
Visit The Retirement Power Hour Website to leave a review on Apple Podcasts or Spotify.

Learn more about CarsonAllaria Wealth Management at https://carsonallaria.com/

Invest Wiser & Retire Better!

The Stock Market During an Election Year with Guest Jake DeKinder

Thu, 18 Apr 2024 15:00:00 -0500

The 2024 presidential election has caused many investors to wonder if they should be doing anything differently. Is it safe to stay invested in stocks and bonds during this time, or should investors move their money to the sidelines until later this year? In Episode #28 of the Retirement Power Hour, Joe Allaria, CFP®, talks with Jake DeKinder, Head of Client Communications and Vice President at Dimensional Fund Advisors, about what the stock market has done in the past during election years and if the 2024 election year is different.

About Our Guest
As Head of Client Communications, Jake helps develop the messaging and communication strategy for Dimensional’s Global Client Group. In this role, he interacts closely with clients to understand their needs and challenges and best align the resources of Dimensional to produce content and materials that will support clients in their business. Prior to joining Dimensional, Jake owned and operated a restaurant franchise in the Atlanta, Georgia, area.

A CFA® charterholder, Jake earned his MBA and MPA from the McCombs School of Business at the University of Texas at Austin and his BBA from the Goizueta Business School at Emory University.

Resources Mentioned on the Show
How Much Impact Does the President Have on Stocks?

If you enjoyed this episode of the Retirment Power Hour, check out our Podcast on Cybersecurity: How to Stay Secure Online

Listener Question
I am trying to get information on spousal benefits and just watched your episode 12, excellent presentation. My husband is 73 and began taking SS benefits at full retirement age. I am now 66 and eligible for my own full retirement benefit, but a financial advisor recommended filing for the spousal benefit until switching to my own (higher) benefit at age 70. Do we both need to be born before 1953 for me to have this option? If you can answer, that would be so helpful since it is very difficult to get an appointment with SSA

Submit Your Questions
To submit a listener question, visit our website, The Retirement Power Hour Website and enter the details of your question.

Leave a Review
Visit The Retirement Power Hour Website to leave a review on Apple Podcasts or Spotify.

Learn more about CarsonAllaria Wealth Management at https://carsonallaria.com/

Cybersecurity: How to Stay Secure Online

Wed, 27 Mar 2024 15:00:00 -0500

In Episode #27 of the Retirement Power Hour, Joe Allaria, CFP®, talks about various ways you can protect yourself online from cybersecurity attacks, phishing attempts, and other forms of attempted fraud.

Resources Mentioned on the Show:

If you enjoyed this episode, make sure to check out our latest podcast on Social Security: Will I Get It?

Submit Your Questions

To submit a listener question, visit our website, https://www.retirementpowerhourpodcast.com, and enter the details of your question.

Leave a Review

Visit The Retirement Power Hour to leave a review on Apple Podcasts or Spotify.

Disclaimer:

All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of a Registered Investment Advisory firm. The information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.

Learn more about CarsonAllaria Wealth Management at https://carsonallaria.com/

Invest Wiser & Retire Better!

Social Security: Will I Get It?

Thu, 29 Feb 2024 14:00:00 -0600

In 10 years will you be able to rely on Social Security to be there for you? In episode 26 of the Retirement Power Hour, Joe Allaria, CFP ®, talks about if Social Security is going to pay out benefits in the future and a six-part plan on how to fix Social Security.

To learn more on this topic, take a look at our article on Social Security: Will I Get It?

If you enjoyed this episode, make sure to check out our latest podcast on 2024 Stock Market Predictions

Resources Mentioned on the Show:

The Reformer: An Interactive Tool to Fix Social Security

Submit Your Questions

To submit a listener question, visit our website, https://www.retirementpowerhourpodcast.com, and enter the details of your question.

Leave a Review

Visit https://www.retirementpowerhourpodcas... to leave a review on Apple Podcasts or Spotify.

Disclaimer:

Learn more about CarsonAllaria Wealth Management at https://carsonallaria.com/

2024 Stock Market Predictions

Thu, 25 Jan 2024 11:00:00 -0600

Can we trust these large financial institutions that claim to know what the market is going to do? In this episode of the Retirement Power Hour, Joe Allaria, CFP ®, sits down with fellow financial advisor, Jay Waters, to talk about what happened in 2023, what the “experts” say is going to happen in 2024, and why to think twice before listening to what these large financial institutions predict.

If you enjoyed this episode, make sure to check out our latest podcast on How to Pay 0% in Capital Gains Tax.

Resources Mentioned on the Show:

Europe Stocks End 2023 Up 12.64%, cnbc.com

Current US Inflation Rates, usinflationcalculator.com

Up and down days in the US market, insight.factset.com

Unloved Healthcare Stocks, reuters.com

Apple Inc. (AAPL) performance review, finance.yahoo.com

3 Market Predictions for 2024, blackrock.com

2024 U.S. Stock Market Outlook, morganstanley.com

2024 Stock Market Forecast, forbes.com

10 Stock Market Predictions for 2024, fool.com

Harry Dent: Biggest Crash of our Lifetime, foxbusiness.com

Listener Question

What do you think the market will do in 2024?

Submit Your Questions

To submit a listener question, visit our website, https://www.retirementpowerhourpodcast.com/, and enter the details of your question.

Leave a Review

Visit https://www.retirementpowerhourpodcast.com/ to leave a review on Apple Podcasts or Spotify.

Disclaimer:

Learn more about CarsonAllaria Wealth Management at https://carsonallaria.com/

How to Pay 0% in Capital Gain Tax

Mon, 18 Dec 2023 10:00:00 -0600

Is it even possible to pay 0% in Capital Gains Tax? In this episode of the Retirement Power Hour, Joe Allaria, CFP®, explains 4 strategies to NOT pay any capital gains tax, including gain harvesting, donating appreciated shares of securities, tax-loss harvesting, and not selling at all (but instead leaving your shares to your heirs).

If you enjoyed this episode, make sure to check out our last podcast on How to Not Fail at Retirement with Author Mike Drak.

Resources Mentioned on the Show:
Smart Charitable Giving: How to Receive the Full Tax Benefits of Your Giving [VIDEO]
Charitable Donations Using Stock, Not Cash [BLOG]

Listener Question
I am 65 years old. I am a self-employed contractor and am earning (as an employee) 36K per year. I do not want to retire, but I want to collect social security benefits and keep working. My estimated yearly SS benefit is 26K. I can earn 21K as an employee. I plan to keep working, then at full retirement age collect 36K in wages from the business. Does this plan make any sense?

Submit Your Questions
To submit a listener question, visit our website, https://www.retirementpowerhourpodcast.com and enter the details of your question.

Leave a Review
Visit https://www.retirementpowerhourpodcast.com to leave a review on Apple Podcasts or Spotify.

Disclaimer:
All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of , a Registered Investment Advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.

Learn more about CarsonAllaria Wealth Management at https://carsonallaria.com/.

How to Not Fail at Retirement with Author Mike Drak

Wed, 25 Oct 2023 10:00:00 -0500

Most people are worried about having enough money saved for retirement; but financial planning alone, without lifestyle planning, is a ticket to Retirement Hell. In this episode of The Retirement Power Hour, Joe Allaria, CFP®, sits down with Author Mike Drak to discuss his book “Longevity Lifestyle by Design” and how to avoid failing at retirement.

About Our Guest
After a thirty-eight-year career within the financial services industry, Mike Drak experienced what he has now termed “retirement shock”. As a result, Mike spent the next 6 years doing research about retirement which resulted in his best-selling books “Longevity Lifestyle by Design” and “Victory Lap Retirement” based on his realization that full-stop retirement doesn’t work for most people." Mike works with his wife, an investment advisor, to help clients design a fulfilling retirement.

Along with being a best-selling author, Mike is also a public speaker and retirement lifestyle designer. He has received awards for his writing, and you can find his articles at Booming Encore.

Resources Mentioned on the Show
Download the Book and Worksheet here for free
Longevity Lifestyle by Design on Amazon

Listener Question
I am trying to get information on spousal benefits and just watched your episode 12, excellent presentation. My husband is 73 and began taking SS benefits at full retirement age. I am now 66 and eligible for my own full retirement benefit, but a financial advisor recommended filing for the spousal benefit until switching to my own (higher) benefit at age 70. Do we both need to be born before 1953 for me to have this option? If you can answer, that would be so helpful since it is very difficult to get an appointment with SSA

Submit Your Questions
To submit a listener question, visit our website, https://www.retirementpowerhourpodcas... , and enter the details of your question.

Leave a Review
Visit https://www.retirementpowerhourpodcas... to leave a review on Apple Podcasts or Spotify.

Learn more about CarsonAllaria Wealth Management at https://carsonallaria.com/

Health, Fitness, and Wellness in Retirement

Wed, 11 Oct 2023 10:00:00 -0500

Without your health how could you enjoy your retirement? The time is now to invest in your health! In this episode, Joe Allaria, CFP®, gets the chance to sit down and talk with Dr. Tibor Kopjas and discuss ways to stay healthy, get fit, and feel great in retirement.

About Our Guest
Dr. Tibor Kopjas, a practitioner for over 30 years in Maryville, IL. He returned to his original vision of patient-focused healthcare in 2019 when he began partnering with MDVIP to prioritize personalized care.

Resources Mentioned
MD VIP Website
Dr.Kopjas.com

Listener Question

I was born in 1953. I have been collecting 1/2 of my husband’s SS benefits and continuing to grow my own. As I turned 70 in February, how long can I continue to collect 1/2 of his? Is there an age limit? Thank you for your time.
I am (husband) 69 years old, still working, not claiming social security. My wife is 70 years old and was born in May 1953. She has been receiving social security for the last 2yrs based on her short working years and her benefits are much smaller. Can she claim spousal benefits based on my working record, but I have not claimed SS yet? Planning to take my SS next year when I turn 70 yrs. Thank you in advance.
My husband is already drawing his benefits…he was born in October of 1952. I’ll hit FRA in September of 2023. Do I qualify for the restricted filing application?

Submit Your Questions
To submit a listener question, visit our website, https://www.retirementpowerhourpodcas... , and enter the details of your question.

Leave a Review
Visit https://www.retirementpowerhourpodcas... to leave a review on Apple Podcasts or Spotify.

Disclaimer:
All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of, a Registered Investment Advisory firm. The information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.

Learn more about CarsonAllaria Wealth Management at https://carsonallaria.com/

Travel in Retirement: Planning Your Dream Vacation

Tue, 11 Jul 2023 11:00:00 -0500

Travel is one of the most popular activities that retirees like to tackle after their working years. Whether traveling domestically or internationally, retirement is a wonderful time to explore new places and to take your time while doing so. On this episode, Host Joe Allaria is joined by Travel Advisor and Founder of New View Travel, Janine Cartier to discuss how to plan your dream vacation in retirement. SPOILER: It all starts with a solid plan.

About Our Guest
Janine Cartier is a Travel Advisor and the Founder of New View Travel. New View Travel is a luxury, boutique travel agency based in St. Louis, MO working as an independent affiliate of Sixth Star Travel, a Virtuoso agency. From land to sea, from city to safari, they craft the perfect itinerary to match your unique style of travel. Their team handles all the details including research, accommodation, tours, transportation, and amenities so you can just focus on the magic of checking another experience off your bucket list!

Resources Mentioned on the Show
Social Security Loopholes article, www.carsonallaria.com
New View Travel Agency website

Listener Question
My wife was born 8/26/48 she has been drawing her social security since her full retirement age. I am much younger, born 3/19/1957 and will be full retirement age on 9/19/2023. My question is: at my full retirement age can I begin to draw a spousal benefit and delay my own benefit until age 70? Please help!

Submit Your Questions
To submit a listener question, visit our website, https://www.retirementpowerhourpodcast.com , and enter the details of your question.

Leave a Review
Visit https://www.retirementpowerhourpodcast.com to leave a review on Apple Podcasts or Spotify.

Disclaimer:
All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of , a Registered Investment Advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.

The Pitfalls of Evaluating Rate of Return

Fri, 16 Jun 2023 14:00:00 -0500

Do you have "good" investments? How do you know? What is a good rate of return? How much time do you need to evaluate if you own good investments? In this episode, Host Joe Allaria and Co-Host Jay Waters discuss the pitfalls the many investors fall into when they are evaluating their own investments, and how having the wrong perspective can lead you astray.

Listener Question
What is a realistic rate of return expectation for a newly retired individual?

Submit Your Questions
To submit a listener question, visit our website, https://www.retirementpowerhourpodcast.com , and enter the details of your question.

Leave a Review
Visit https://www.retirementpowerhourpodcast.com to leave a review on Apple Podcasts or Spotify.

Disclaimer:
All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of , a Registered Investment Advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.

Annuity Pros, Cons, and What Are They Anyway?

Mon, 22 May 2023 09:00:00 -0500

Annuities seem to have a negative connotation within the financial industry, but do they deserve it? Are annuities good or are they bad? Because there are so many different types of annuities, it's hard to generalize that they are either good or bad. Each annuity should be evaluated independently based on each individual’s situation.

On episode 19 of The Retirement Power Hour, host Joe Allaria is joined by fellow Partner and Wealth Advisor of CarsonAllaria Wealth Management, Mark Allaria, CFP®, as the two discuss the pros and cons of annuities, as well as the different types out there.

Listener Question
What should I make of the U.S. debt ceiling issue? Should I be concerned?

Submit Your Questions
To submit a listener question, visit our website, https://www.retirementpowerhourpodcast.com , and enter the details of your question.

Leave a Review
Visit https://www.retirementpowerhourpodcast.com to leave a review on Apple Podcasts or Spotify.

Disclaimer:
All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of , a Registered Investment Advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.

Social Security Spousal Planning Q&A

Thu, 16 Mar 2023 18:00:00 -0500

Social Security filing strategies can get complex for couples, especially those with different ages. Can you start a spousal benefit, then switch to your own? Can you start your own benefit, then switch to a spousal benefit? What is a restricted application? Can I still file and suspend? So many questions and not enough answers. But, we're fixing that problem on this episode by answering several listener questions around this very topic.

Click to listen as host Joe Allaria discusses Social Security Spousal Planning.

Submit Your Questions
To submit a listener question, visit our website HERE and enter the details of your question.

Leave a Review
Click here to leave a review on Apple Podcasts or Spotify.

Disclaimer: All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, a Registered Investment Advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.

2023 Stock Market Predictions, & Why You Should Ignore Them

Wed, 01 Feb 2023 16:00:00 -0600

It's that time of year again...when we see stock market predictions being released by financial institutions, fund managers, financial media personnel, and other financial “experts.” Most of these predictions end up being wildly inaccurate, yet they keep being made, and many keep listening.

Click to listen as host Joe Allaria uncovers how these "experts" did on their 2022 predictions, and what they're saying about 2023.

Listener Question
What will the stock market do in 2023? We're talking about that for the whole show, so be sure to tune in!

Creating Your Retirement Identity w/ Wendy Green

Thu, 05 Jan 2023 10:00:00 -0600

In this episode, Host and CERTIFIED FINANCIAL PLANNER™ professional Joe Allaria is joined by Wendy Green, the Founder and Host of the "Hey, Boomer" podcast, and the two discuss Creating Your Retirement Identity.

Recent retirees can often find themselves in a retirement identity crisis after using their title as a defining adjective for who they are for so many years and then having that title anymore. Tune in to hear more about different ways to frame your identity both prior to and during retirement.

Listener Question
You'll also hear an answer to Dale's question, which is regarding what health insurance alternatives exist for those that wish to retire before they are eligible for Medicare at age 65, but still need health insurance.

Resources Mentioned in the Show

Submit Your Questions
To submit a listener question, visit our website HERE and enter the details of your question.

Disclaimer: All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, a Registered Investment Advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.

Top 10 Myths of Retirement (Part 2)

Tue, 27 Dec 2022 08:00:00 -0600

In this episode, Host and CERTIFIED FINANCIAL PLANNER™ professional Joe Allaria is joined by Co-Host Jay Waters, Wealth Advisor with CarsonAllaria Wealth Management, to discuss our Top 10 Retirement Myths that seem to be widely accepted amongst those in or near retirement. In Part 2 of this two-part series, we cover the final five myths, including:

Final 5 of the Top 10 Retirement Myths

Long-term care is covered by Medicare.
You can count on historical returns to repeat during retirement.
You will only live to age 80-85.
You need an annuity if you’re retired.
Retirement planning is all about money.

Resources Mentioned in the Show

Living Too Long is a Risk (CBSNews article on life expectancy)

Top 10 Myths of Retirement (Part 1)

Wed, 21 Dec 2022 10:00:00 -0600

In this episode, Host Joe Allaria is joined by Co-Host Jay Waters to discuss our Top 10 Retirement Myths that seem to be widely accepted amongst those in or near retirement. In Part 1 of this two-part series, we cover the first five myths, including:

First 5 of the Top 10 Retirement Myths

If you reach a certain dollar amount (say $1M), you can safely retire.
Your investments should be conservative in retirement.
You have to avoid market downturns when you’re retired.
You need to have your mortgage paid off in order to retire.
You will have a low marginal tax rate in retirement.

Listener Question
You'll also hear a listener question from Tony about the best accounts to gift money to grandchildren and what alternatives there are to 529 College Savings Plans.

Resources Mentioned in the Show

College Planning: Is a 529 Plan Right for Your Child? (carsonallaria.com)

13 Year-End Financial Strategies

Fri, 25 Nov 2022 11:00:00 -0600

On Episode 13, host Joe Allaria covers "13 Year-End Financial Strategies" to consider before we enter into 2023.

Here are the 13 strategies with links to resources mentioned

1. Contribute to employer-sponsored retirement plans
2. Contribute to a Health Savings Account (HSA)
3. Spend the rest of Flex Spending Account (FSA)
4. Make charitable contributions (with appreciated stock and/or donor advised funds)
5. Bunch your medical expenses (if applicable)
6. Tax-loss harvesting
7. Gain harvesting
8. Roth IRA conversions
9. IRA contributions (deadline is April 18th, 2023)
10. Consider a large business expense
11. Do a withholding analysis (especially for retirees)
12. Make sure you take your Required Minimum Distribution (RMD)
13. Gift to child or family member for estate tax reduction purposes

Social Security Loopholes (mini episode)

Mon, 31 Oct 2022 17:00:00 -0500

The Bipartisan Budget Act of 2015 made what some would consider significant changes to a few key Social Security filing strategies. Specifically, the legislation removed some well-known Social Security loopholes that were used by many to increase spousal benefits. But, one of those loopholes was phased out over time, which means it could still be used by some.

Listen in to hear more about the restricted filing strategy, which could be used if one spouse was born in 1953 or earlier, and if the other spouse is already receiving Social Security. But, this loophole is closing quickly, so tune in to this mini episode to learn more!

Resources mentioned in the show

Retire Your Bad Health Habits w/ Kevin English + a Question on Medicare Enrollment While Working

Wed, 19 Oct 2022 14:00:00 -0500

A sound financial plan is only one part of living a better retirement. Another huge part is maintaining good health and it's extremely difficult to "retire better" if you don't feel better. On this episode, Kevin English, a health and wellness expert specializing in helping those over 50 years of age, joins Joe Allaria to share a few simple keys to improving your health even after age 50, including:

How to eat better without going on an extreme fad diet
How to maintain muscle with a simple workout routine
How to maintain your overall health with good lifestyle decisions

But first, we answered a very common question about enrolling in Medicare. Laura asks "I’m 65 and wondering if I need to enroll in Medicare. I’m still working and have coverage through work. Some people are saying I need to enroll, but others say I don’t until I retire. Which is it? Thank you for your help."

About Our Guest
Kevin English is the Founder and CEO of The Silver Edge, an online personal training and nutrition coaching company. He's also the creator and host of the Over 50 Health & Wellness podcast. Kevin's mission is to counter the narrative that it's "all downhill" after 50, and draws from his own personal experience with a health scare as motivation to help others live a healthier life, even after age 50.

Resources mentioned in the show

Submit Your Questions
To submit a listener question, visit our website HERE and enter the details of your question.

Disclaimer: All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, a Registered Investment Advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.

5 Things a Retirement-Focused Advisor Should Do and a Long-Term Care Question

Wed, 21 Sep 2022 08:00:00 -0500

Retirement brings unique challenges that you may not experience during your working years. Advisors that work with retirees or those close to retirement should understand this and adjust their practices accordingly. In this episode, Joe Allaria is joined by 30-year industry veteran, Scott Carson, as the two discuss five things a retirement-focused advisor should do.

We also cover a listener question from Julie on long-term care premium increases, and if it makes sense to keep these policies as the premiums go up.

About Our Guest
Scott Carson, AIF®, CEPA is a Senior Wealth Advisor with CarsonAllaria Wealth Management and specializes in working with retirees and those close to retirement, and takes a keen interest in the holistic aspects of financial planning, including tax and estate planning issues. Many of Scott's clients are current or former small business owners and Scott has helped several build succession plans to transition those businesses.

Scott began his financial planning career in with IDS (An American Express Company) in 1989 after working as a commercial banker for five years with MidAmerica Banks and Citigroup. He was a partner with the Pines Financial Group prior to founding Meridian Financial Group in 1999, where he continued to build his client base for over 15 years. He co-founded CarsonAllaria Wealth Management, an independent Registered Investment Adviser, in 2017.

Resources mentioned in the show

- How to Get Your Free Retirement Assessment

Submit Your Questions
To submit a listener question, visit our website HERE and enter the details of your question.

Disclaimer: All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, a Registered Investment Advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.

6 Social Security Mistakes you NEED to Avoid

Wed, 17 Aug 2022 11:00:00 -0500

In this episode, Host Joe Allaria, CFP® answers a listener question about how to estimate life expectancy for the purposes of building your financial plan, and he also explains six of the biggest and most common mistakes that retirees are making in regard to Social Security, including:

Starting benefits too early
Not coordinating benefits for married couples
Not maximizing survivor benefits
Not maximizing divorced benefits
Relying on the Social Security Administration for advice
Thinking all Social Security decisions are final

Resources mentioned in the show

Submit Your Questions
To submit a listener question, visit our website HERE and enter the details of your question.

Disclaimer: All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, a Registered Investment Advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.

Medicare Hot Topics with Joanne Giardini-Russell

Tue, 26 Jul 2022 15:00:00 -0500

There are 11,000 Baby Boomers turning 65 everyday. Many of them share the same Medicare questions, like:

Do I need to enroll at age 65?
What if I work past age 65?
What coverage is best for me?
Should I get a Medicare Supplement or Medicare Advantage plan?
What does Medicare cover?
Does my income impact my premium? If so, how?

On this episode, Joe Allaria is joined by Medicare expert Joanne Giardini-Russell, CEO of Giardini Medicare, to touch on all of the above.

About Our Guest
Joanne Giardini-Russell is the Founder and CEO of Giardini Medicare, located in Brighton, Michigan. Joanne has spent decades in the insurance industry and has dedicated most of her career to educating her clients about Medicare. She is well-known for her outreach efforts and, most recently, her Tik Tok fame, as she continues to be a leading voice on all issues surrounding Medicare.

Show Resources

To submit a listener question, visit our website at https://www.retirementpowerhourpodcast.com/contact/ and enter the details of your question.

Disclaimer: All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, a Registered Investment Advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.

Life Insurance in Retirement with Sheryl Moore

Fri, 08 Jul 2022 11:00:00 -0500

Does life insurance make sense in retirement? If so, why? What are some creative and useful reasons for retirees to retain coverage? Also, what should policy owners and their agents be doing to properly maintain these policies over time? On this episode of The Retirement Power Hour, host Joe Allaria will be joined by insurance industry rock star Sheryl Moore to discuss all of the above and more!

About our guest
Sheryl Moore is the Founder, Creator, and CEO of Wink, Inc and Moore Market Intelligence, where she and her companies serve as consultants to major insurance companies on how to better structure insurance products for the future. She is also an educator to both consumers and agents as her website winkintel.com offers news articles, basic education, and analytical tools for insurance agents.

Resources mentioned in the show

To submit a listener question, visit https://www.retirementpowerhourpodcast.com/contact/ and enter the details of your question.

Disclaimer: All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, a Registered Investment Advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.

Retirement Income with David Blanchett

Thu, 16 Jun 2022 13:00:00 -0500

On this episode, Joe Allaria welcomes David Blanchett, Managing Director and Head of Retirement Research for PGIM DC Solutions. David is a respected voice in the financial industry and has published over 100 papers in a variety of industry and academic journals. He's also received awards for his research from the Academy of Financial Services, the CFP Board, the Financial Analysts Journal, the Financial Planning Association, the International Centre for Pension Management, the Journal of Financial Planning, and the Retirement Management Journal.

Joe and David will discuss hot topics around retirement income, including annuities, bonds, interest rates, and inflation, and steps retirees can take to improve their financial success in retirement.

To learn more about retirement planning, go to www.carsonallaria.com for additional free resources or to schedule a free 15-minute phone consultation.

To submit a listener question, visit https://www.retirementpowerhourpodcast.com/contact/ and enter the details of your question.

Disclaimer: All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, a Registered Investment Advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.

Designing Your Retirement Life w/ Scott Carson, AIF®, CEPA

Thu, 05 May 2022 16:00:00 -0500

Host Joe Allaria and special guest Scott Carson, Senior Wealth Advisor for CarsonAllaria Wealth Management, discuss the benefits of reframing your mind around retirement, building your lifestyle allocation, and designing your retirement life to maximize your satisfaction and fulfillment.

For more information and references on material discussed, see the links below:

1. Designing Your Life Resources

2. "Where's the best place for me to retire" tool (provided by Marketwatch.com)

To submit a listener question, visit https://www.retirementpowerhourpodcast.com/contact/ and enter the details of your question.

Disclaimer: All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, a Registered Investment Advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.

Bear Market Strategies

Wed, 06 Apr 2022 18:00:00 -0500

Bear markets are tough to endure and can leave investors that are committed to long-term investing feeling a bit handcuffed. But, while bear markets are uncomfortable, they can also present unique financial planning opportunities that may help investors soften the blow and minimize the negative effects of steep market declines.

On this episode, host Joe Allaria will be joined by fellow Wealth Advisor, Jay Waters, as the two discuss five useful strategies to consider during a bear market.

For more information and references on material discussed, see the links below:
1. Correction or bear? 6 charts that explain market declines
2. What do I do in a bear market?

Learn more about Host Joe Allaria and CarsonAllaria Wealth Management by visiting CarsonAllaria.com.

Disclaimer: All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, a Registered Investment Advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.

Investing in a Crisis

Fri, 11 Mar 2022 09:00:00 -0600

Times of heightened uncertainty, whether as a result of geopolitical tensions, inflation concerns, interest rate concerns, or anything else, can make it difficult for investors to stay the course. Stock market volatility and negative headlines give the impression that you should be doing something. Poor investor behavior begins to emerge and the average investor can easily lose thousands (or more) from poor decisions.

On this episode, host Joe Allaria is joined by brother, Wealth Advisor, and CERTIFIED FINANCIAL PLANNER™ professional, Mark Allaria, as the two discuss keys to investing in a crisis by properly managing your behavior.

For more information on some of the statistics mentioned, you can visit the sources below:

First Trust S&P 500 Returns study

Learn more about Host Joe Allaria and CarsonAllaria Wealth Management by visiting CarsonAllaria.com.

Disclaimer: All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, a Registered Investment Advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.

Why You Shouldn't Worry About Retirement

Wed, 09 Feb 2022 13:00:00 -0600

So many voices in finance are constantly telling you that you should worry. They say you should worry about the stock market, about Social Security, about inflation, and many other things. But, this episode is all about why you shouldn't worry. Tune in as Joe Allaria welcomes guest and co-host Mark Allaria as the two discuss the importance of focusing on what you can control, getting a plan, taking prudent action, but then letting the rest go.

For more information on some of the statistics mentioned, you can visit the sources below:

Learn more about Host Joe Allaria and CarsonAllaria Wealth Management by visiting CarsonAllaria.com.

Disclaimer: All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, a Registered Investment Advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.

2021 Stock Market Review + 2022 Predictions

Tue, 25 Jan 2022 13:00:00 -0600

At the beginning of every year, we see stock market predictions being released by financial institutions, fund managers, financial media personnel, and other financial “experts.” Most of these predictions end up being wildly inaccurate, yet they keep being made, and many keep listening.

Click to listen as host Joe Allaria and guest Jay Waters (Wealth Advisor with CarsonAllaria Wealth Management) discuss the difference between the actual results of 2021 vs. the predictions made. They'll also help listeners make sense of the market predictions for 2022.

For more information on this topic and links to the returns, predictions, and outcomes, please see the link below.

https://carsonallaria.com/2022/01/25/stock-market-predictions/

Learn more about Host Joe Allaria and CarsonAllaria Wealth Management by visiting CarsonAllaria.com.

Disclaimer: All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, a Registered Investment Advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.