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PODCAST

The Healthy & Wealthy Retirement

Mark Struthers CFA, CFP®

Join us on “The Healthy & Wealthy Retirement” podcast as Certified Retirement Counselor Mark Struthers takes a holistic approach to retirement. Going Beyond Finances and Embracing Holistic Well-being. Whether you’re approaching retirement age or already enjoying your golden years, our expert guests will share practical advice, inspiring stories, and actionable strategies. We cover everything from optimizing your health and wellness to managing your investments. Get ready to unlock the secrets to a

education how to

All Episodes

27:16

The Roth 5-Year Rule Explained

The Healthy & Wealthy Retirement ·

2025/04/15

Confused by the Roth 5-year rule? If so, you’re not alone. The Roth IRA can feel like a financial enigma, and the 5-year rule is often misunderstood, leading to hesitation and missed opportunities. But today, we’re breaking down the mystery.Listen in as your certified retirement counselor Mark Struthers explains the different variations of the 5-year rule, when each applies, and why timing is key—whether you’re planning a Roth conversion, eyeing early retirement, or mapping out a tax strategy

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11:15

Navigating Life's Toughest Decisions: Financial...

The Healthy & Wealthy Retirement ·

2025/02/10

Welcome to the latest episode of Healthy and Wealthy Retirement. Join host Mark Struthers as he explores the profound insights of Atul Gawande's book "Being Mortal." In this thought-provoking discussion, discover how the book's themes of quality of life, patient decision-making, and healthcare choices intersect with financial and retirement planning. Learn why it's crucial to be an active participant in your own life decisions, both medical and financial, to ensure a prosperous and fulfilling

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07:07

Mastering Retirement Expenses: The Floor & Ceiling

The Healthy & Wealthy Retirement ·

2025/02/03

Welcome to this episode of the Healthy and Wealthy Retirement with Mark Struthers, your certified retirement counselor. In this insightful discussion, Mark explores various models of managing retirement expenses, offering valuable strategies to ensure your financial stability in later years.Learn about the five common models, including inflation adjustment, guardrails, and the floor and ceiling approach. Discover how these methods can help you make informed decisions for a financially secure and

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06:57

Mastering Retirement Expenses: The Guardrails Approach

The Healthy & Wealthy Retirement ·

2025/02/03

Welcome to the Healthy and Wealthy Retirement, where Certified Retirement Counselor Mark Struthers dives deep into the holistic aspects of retirement planning. This episode emphasizes the critical role of understanding expenses in securing a healthier, wealthier future. Filmed in the beautiful Edina, Minnesota, today's discussion centers on how expenses change as you transition into retirement, highlighting the "Guardrails" approach. This method allows for adjustments based on market performance to

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10:34

Mastering Retirement Expenses: Retirement Stages

The Healthy & Wealthy Retirement ·

2025/02/03

Join Certified Retirement Counselor Mark Struthers on the Healthy and Wealthy Retirement YouTube channel as he delves into the often-overlooked topic of retirement expenses. Learn how understanding your spending before and during retirement is crucial for financial planning and how it influences your overall retirement well-being. This episode introduces the concept of the "retirement spending smile," explaining how spending patterns shift throughout the retirement years. From initial excitement and

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12:31

Mastering Retirement Expenses: The Retirement...

The Healthy & Wealthy Retirement ·

2025/02/02

Welcome to the Healthy and Wealthy Retirement podcast, hosted by Mark Struthers. In this episode, we delve into the often overlooked topic of managing expenses in preparation for a financially secure retirement. Many approaching retirement are uncertain about their current and future spending habits, leading to potential challenges. Mark discusses the importance of understanding your expenses and offers insights into various models for projecting retirement spending. From the inflation-adjusted

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11:30

Decoding the 10x Rule for Retirement: Is It Too...

The Healthy & Wealthy Retirement ·

2024/12/27

SummaryIn this conversation, Mark Struthers discusses the 10 times rule for retirement savings, which suggests that individuals should aim to have 10 times their gross income saved by retirement. He explores the origins of this rule, its benchmarks, and its effectiveness in providing adequate retirement income. Struthers critiques the rule, arguing that it may be too conservative for many individuals, especially higher earners or those planning to retire early. He emphasizes the importance of

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11:32

Navigating Volatility: The Japanese Carry Trade...

The Healthy & Wealthy Retirement ·

2024/12/27

Summary In this episode of Healthy and Wealthy Retirement, Mark Struthers discusses the recent market crash attributed to the Japanese carry trade, its implications for investors, and strategies to navigate financial uncertainty. He emphasizes the importance of having an emergency fund, diversifying investments, and reviewing bond portfolios to ensure a healthier retirement. Takeaways -The holistic approach to retirement includes financial, social, physical, and emotional well-being. -The Japanese

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17:32

Mastering the 3-Bucket Strategy for a Secure Retirement

The Healthy & Wealthy Retirement ·

2024/12/27

Welcome to "Healthy and Wealthy Retirement" with Mark Struthers, your certified retirement counselor, who introduces a holistic approach to navigating the complexities of retirement planning. In this episode, Mark dives into the intricacies of the three-bucket strategy for retirement funding, designed to balance risk and provide comfort for retirees. The episode sheds light on two main types of bucket strategies: one focused on time horizons and another on types of retirement spending. Discover how

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09:59

Moving to a Low-Tax State for Retirement

The Healthy & Wealthy Retirement ·

2024/12/27

Summary In this episode of Healthy and Wealthy Retirement, Mark Struthers discusses the considerations for relocating to a low-tax state. He emphasizes the importance of understanding the total tax burden, including property taxes and social security taxation. Mark also highlights the significance of home affordability, quality of life, job opportunities, and healthcare costs when making such a move. The conversation aims to guide listeners in making informed decisions for a healthier, wealthier,

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11:24

Keystone Activities: The Cornerstone of a Happy...

The Healthy & Wealthy Retirement ·

2024/12/27

Welcome to the Healthy and Wealthy Retirement podcast! In this episode, host Mark Struthers explores the concept of keystone activities and their pivotal role in fostering a fulfilling retirement life. Mark delves into how these activities can influence and enhance your social, physical, and emotional well-being, providing a foundation for a more connected and satisfying post-work life. Discover how choosing the right keystone activities can forge deeper relationships and create communities that

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15:34

Navigating Inflation in Retirement

The Healthy & Wealthy Retirement ·

2024/12/27

Welcome to the Healthy and Wealthy Retirement, where certified retirement counselor Mark Struthers explores the impact of inflation on retirees. In this episode, Mark discusses how the recent surge in inflation has heightened awareness and seriousness about planning for retirement. Mark explains how inflation erodes purchasing power over time, making it essential for retirees to have strategies in place to protect their financial well-being. He delves into the concept of compounding—both its wonders

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07:59

Navigating Risk in Retirement

The Healthy & Wealthy Retirement ·

2024/12/27

Summary In this conversation, Mark Struthers discusses the multifaceted nature of retirement planning, emphasizing the importance of understanding and managing various risks associated with retirement. He highlights the significance of holistic well-being, addressing not only financial aspects but also social, physical, and emotional factors. Struthers elaborates on different types of risks, including health, career, inflation, investment, and longevity risks, and offers insights on how to navigate

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13:14

Unlocking Early IRA Access: Understanding 72T-SCPP

The Healthy & Wealthy Retirement ·

2024/12/22

In this episode of Healthy and Wealthy Retirement, certified retirement counselor Mark Struthers delves into the often-overlooked topic of 72T-SCPP, a strategy for accessing funds within a traditional IRA without penalties. Mark explains the intricacies and challenges associated with Substantially Equal Periodic Payments (SEPP), highlighting how this approach compares to other methods like the Rule of 55 or Roth conversions.Mark provides insights into the three methods of calculating withdrawals,

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17:09

Is Index Universal Life Insurance Right For Your...

The Healthy & Wealthy Retirement ·

2024/12/18

Join Certified Retirement Counselor Mark Struthers on the 'Healthy and Wealthy Retirement' podcast as he sheds light on the complexities of permanent insurance, specifically focusing on Index Universal Life. Discover the hidden trade-offs and alternatives your insurance agent might not mention, as Mark guides you through making informed decisions. Understand the significance of asking essential questions and knowing what you're insuring so it aligns with your financial plan. Whether your aim is to

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21:48

The Economic and Political Influence on Mortgage Rates

The Healthy & Wealthy Retirement ·

2024/12/04

Welcome to the latest episode of The Healthy and Wealthy Retirement with certified retirement counselor, Mark Struthers. In this Thanksgiving special, Mark delves into the intriguing world of mortgage interest rates and their unexpected rise. He provides insights into how political events, particularly elections, can significantly impact financial markets, including mortgage and treasury rates.Mark discusses the surprising upward trajectory of mortgage rates following political developments, and

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12:37

Navigating the Challenges of "Failure to Launch" in...

The Healthy & Wealthy Retirement ·

2024/11/19

In this episode of "Healthier and Wealthy Retirement," host Mark Struthers delves into the pressing issue of the "Failure to Launch" phenomenon, inspired by a Bloomberg Wealth article. With U.S. parents spending an astounding $500 billion annually on their adult children, Mark explores the financial strain this places on retirement savings and the broader implications for both parents and their grown-up kids.Mark discusses the cultural and economic factors contributing to this trend, including the

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46:13

Navigating Retirement Beyond Finances - A...

The Healthy & Wealthy Retirement ·

2024/10/31

Welcome to the inaugural episode of "Healthy and Wealthy Retirement" with your host, Mark Struthers. Join us as we explore the multi-faceted journey of retirement beyond financial planning, emphasizing holistic well-being. Mark shares his vision for the podcast, inspired by his extensive experience in the financial industry and personal insights into the broader aspects of a fulfilling retirement. In this episode, Mark introduces Alara Rosenberg, a holistic, non-financial retirement coach and

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16:55

The Fed is Recalibrating: Here are 4 Things You...

The Healthy & Wealthy Retirement ·

2024/10/03

In this episode of "Healthy and Wealthy Retirement," certified retirement counselor Mark Struthers discusses the importance of recalibrating your approach to retirement in light of recent economic changes. With a focus on holistic well-being, Mark explores how the recent Fed conference and interest rate adjustments influence retirement planning. Mark delves into four key areas to recalibrate: mindset, portfolio, emergency fund, and use of debt. He emphasizes the need to shift your mindset regarding

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05:52

Prioritizing Your Retirement: The Big Rock, Little...

The Healthy & Wealthy Retirement ·

2024/09/18

Welcome to another episode of the Healthy and Wealthy Retirement, hosted by certified retirement counselor, Mark Struthers. In this episode, Mark introduces a unique setting featuring his son, Will, to demonstrate the concept of "big rock, little rock" financial and retirement planning. Mark discusses how prioritizing important financial goals can lead to a healthier, wealthier, and happier retirement. Through a practical demonstration with rocks of varying sizes, they illustrate the significance of

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