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PODCAST

SoundPath Through Retirement

Benjamin Koval & Matt Lybarger

Benjamin Koval and Matt Lybarger bring everything you need to know about retirement and income planning in a fast paced format. Each week, the hosts and guests on the show reveal the latest developments in the financial world to keep you informed of changes that may affect you personally, while sharing some common sense strategies that will help you make the most out of your retirement savings. SoundPath Retirement Strategies are logic-driven consultants helping retirees construct a comprehensive

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All Episodes

50:31

To Roth or Not to Roth

SoundPath Through Retirement ·

2024/08/30

The conversation discusses the topic of Roth conversions and when it makes sense to do them. It also covers various factors to consider, such as current income tax bracket, time horizons, and estate planning. The hosts emphasize the importance of creating a comprehensive retirement plan and offer tips for achieving financial goals, including saving 15% annually, limiting big expenses, maximizing retirement accounts, and taking advantage of catch-up contributions. They also highlight the widening

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49:08

Five Basic Retirement Steps

SoundPath Through Retirement ·

2024/08/23

The conversation discusses the five steps of retirement planning: income planning, tax planning, insurance planning, estate planning, and investment planning. Each step is explained in detail, including different strategies and considerations. The conversation also covers various ways to generate income in retirement, such as encore careers, Social Security benefits, real estate income, and annuities. The importance of reassessing portfolio risk as retirement approaches is emphasized, as well as the

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49:28

Top Retirement Related News Stories

SoundPath Through Retirement ·

2024/08/16

In this conversation, Ben and Matt discuss various retirement-related topics, including retirement savings, retirement regrets, top retirement destinations, healthcare costs, and the impact of the economic climate on retirement planning. They emphasize the importance of creating a comprehensive retirement plan that takes into account factors such as inflation, taxes, and individual goals and hobbies. They also highlight the need for early retirement planning and the role of Social Security in

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50:27

The Right Advisor

SoundPath Through Retirement ·

2024/08/09

Finding the right financial advisor is crucial for your financial health and retirement planning. A recent Vanguard study found that on average, a hypothetical $500,000 investment would grow to over $3.4 million under the care of an advisor over 25 years, compared to $1.6 million for self-management. Fear and greed are the biggest problems for individual investors, leading to poor decision-making. When looking for an advisor, consider their education, licenses, and whether they act as fiduciaries

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49:06

Investing in Retirement

SoundPath Through Retirement ·

2024/08/02

In this conversation, Ben and Matt discuss the importance of continuing to invest once you retire. They highlight the reasons why investing in retirement is necessary, such as longevity, unexpected expenses, and growth. They also emphasize the need for proper asset allocation based on risk tolerance, time horizon, and legacy goals. Additionally, they discuss the strategic withdrawal of funds from retirement accounts to maximize growth and minimize taxes. In this conversation, Ben and Matt discuss

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50:18

Challenges Facing Generation X

SoundPath Through Retirement ·

2024/07/26

Generation X is facing challenges in saving for retirement, often being overlooked in favor of Millennials and Baby Boomers. The average retirement savings for Generation X households is around $150,000, which is low considering the cost of living. Many Gen Xers are getting closer to retirement and need to have a higher savings level. The high cost of living in cities like Seattle is causing some Gen Xers to consider moving to more affordable areas. It's important for Gen Xers to maximize their

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50:14

The “New Retirement”

SoundPath Through Retirement ·

2024/07/19

The conversation discusses the economic realities facing pre-retirees and retirees in today's world. It emphasizes the need for a new approach to retirement planning due to the disappearance of pensions and the changing economic landscape. The hosts highlight the importance of diversifying portfolios and creating a customized retirement plan that takes into account individual goals and circumstances. They also discuss the limitations of artificial intelligence (AI) in financial planning and the

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50:25

10,000 Baby Boomers Per Day

SoundPath Through Retirement ·

2024/07/12

The retirement of 10,000 baby boomers every day has significant impacts on current retirees, the economy, and social systems. The conversation covers the increased demand and funding challenges on Social Security and Medicare, the strain on government-run pension systems, the changes in the labor market and consumption patterns, and the importance of income, tax, insurance, estate, and investment planning in retirement. In this conversation, Ben and Matt discuss various topics related to retirement

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50:24

Twentry Years of Retirement Changes

SoundPath Through Retirement ·

2024/06/28

Retirement planning has seen significant changes over the past 20 years, influenced by shifts in the economy, demographics, technology, and regulatory environments. Some of the most significant changes include the shift from defined benefit to defined contribution plans, the introduction of Roth 401(k)s, changes in contribution limits, the rise of automatic enrollment and escalation features, the advent of health savings accounts (HSAs), the implementation of required minimum distributions (RMDs),

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50:16

NO DO OVERS!!!

SoundPath Through Retirement ·

2024/06/21

60% of retirees said they wished they could have a retirement planning do-over. The biggest financial regret for retirees was not planning better for the unexpected, such as inflation and market volatility. Hindsight is always 20-20, and it's impossible to predict major events like a pandemic. However, it's important to have conversations with a financial advisor who has experience with retirees and can help navigate potential challenges. Many retirees also expressed regret about not investing in

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50:13

Surprise! You're Retired!

SoundPath Through Retirement ·

2024/06/14

Retirement is full of surprises that can impact the success of our golden years. In this conversation, Ben and Matt discuss the certainty and uncertainty in retirement, including healthcare costs, home ownership expenses, inflation, and the financial implications of adult children. They emphasize the importance of planning for healthcare expenses, including long-term care, and the need to account for inflation in retirement income. In this segment, the hosts discuss the current state of the stock

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48:09

Retirement Misconceptions

SoundPath Through Retirement ·

2024/05/31

In this conversation, Ben, Matt and Gary discuss common misconceptions about retirement and provide tips to avoid making mistakes. They cover topics such as the 4% rule, living expenses in retirement, life expectancy, working past 65, and taxes in retirement. They emphasize the importance of creating a comprehensive retirement plan that includes income planning, tax planning, insurance planning, estate planning, and investment planning. They offer complimentary reviews for listeners to assess their

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49:07

Financial Regrets Facing Americans in 2024.

SoundPath Through Retirement ·

2024/05/24

The conversation discusses the biggest financial regrets from 2023 and provides tips for avoiding these common concerns. The first regret identified is saving little or no money for retirement, followed by failing to take advantage of interest-bearing accounts. The conversation emphasizes the importance of having a vision for retirement savings and understanding the income stream needed in retirement. The next regret is taking on too much credit card debt, which is highlighted as the worst type of

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50:52

Retirement Savings in Your 50's

SoundPath Through Retirement ·

2024/05/17

This conversation focuses on retirement savings for individuals starting in their 50s. The hosts discuss various strategies and considerations for maximizing retirement savings and building a secure retirement plan. They cover topics such as increased contribution limits, investment strategies, the importance of compounding interest, low-risk investments like real estate and bond funds, and reducing payment obligations. The conversation provides valuable insights and advice for individuals

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49:51

Make Sure Your Retirement Rocks!

SoundPath Through Retirement ·

2024/05/10

The hosts discuss various tips and changes in retirement planning that can help listeners improve their retirement savings. They cover topics such as Roth accounts in defined contribution plans, saving and repaying student loans, special catch-up contributions to 401k plans, delaying Social Security, and choosing the right place to retire. They also emphasize the importance of open communication and shared financial goals in a relationship, as well as having a backup plan in case the financial

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50:17

Inflation! Enough Said!

SoundPath Through Retirement ·

2024/05/03

The hosts discuss important questions to ask your advisor about inflation and its impact on your retirement plan. They emphasize the need for a long-term financial plan and the importance of considering both the plan to retirement and the plan in retirement. They also discuss the impact of inflation on cash flow and the need to structure your retirement plan to account for inflation. The hosts highlight common mistakes people make in retirement planning, such as trying to beat the market, keeping

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50:27

Bad Financial Advice on Social Media

SoundPath Through Retirement ·

2024/04/26

The conversation explores the dangers of financial advice on social media and the importance of fact-checking and consulting professionals. It highlights the misleading advice surrounding 401(k)s, celebrity endorsements, and the FIRE movement. The hosts emphasize the need to consult a financial advisor and fact-check information before making financial decisions. They also discuss the importance of asking the right questions and having a comprehensive retirement plan. In this conversation, Ben and

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50:10

Before You Drive Off Into The Sunset.

SoundPath Through Retirement ·

2024/04/19

The hosts discuss important questions to ask your advisor about inflation and its impact on your retirement plan. They emphasize the need for a long-term financial plan and the importance of considering both the plan to retirement and the plan in retirement. They also discuss the impact of inflation on cash flow and the need to structure your retirement plan to account for inflation. The hosts highlight common mistakes people make in retirement planning, such as trying to beat the market, keeping

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52:11

No Mulligans in Retirement Planning.

SoundPath Through Retirement ·

2024/04/12

In this conversation, Ben, Matt and Gary discuss various topics related to retirement planning and financial strategies. They use analogies from golf and popular TV shows to highlight important lessons for retirees. The conversation covers themes such as understanding retirement rules and taxation, avoiding common pitfalls, and managing investments and fees. They emphasize the importance of having a comprehensive retirement plan and seeking professional advice to navigate the complexities of

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49:23

Consider This

SoundPath Through Retirement ·

2024/04/05

In this episode, the hosts discuss considerations before retiring early, including managing debt and aligning investment portfolios with risk tolerance and goals. They also highlight the importance of planning for healthcare costs and mentally preparing for retirement. The hosts explain different distribution strategies for retirement income, such as annuities, percent management, and laddered approaches. They address common questions about the implications of divorce in retirement, leaving unequal

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134 results

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