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PODCAST

The Perfect Retirement Plan?

The Perfect Retirement Plan? is a bi-weekly podcast for people close to retirement or recently retiredwho want clear, tax-smart guidance without jargon. Host Phillip Smith, CRPC®, AIF® – financial planner at Tidepool Wealth Strategies – mixes dad-level humor, real stories, and step-by-step advice to help you:Turn savings into a dependable retirement paycheckCut lifetime taxes with smart timing and Roth strategiesProtect family wealth from market shocks and life’s what-ifsKeep investments flexible as

business investing

All Episodes

9:17

Is the ACA Subsidy Going Away?

The Perfect Retirement Plan? ·

2026/01/05

Send us a text If you’re about to retire (or already retired) and relying on the Affordable Care Act for health insurance, you’ve probably seen the headlines: “The ACA subsidy is going away.” In this episode of The Perfect Retirement Plan?, Phillip Smith cuts through the noise and explains what is actually changing in 2026, what is not changing, and why this matters so much for retirement planning between ages 62 and 65. You’ll learn the difference between the original ACA premium tax credit ...

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10:19

How to Retire Without Chasing Hot Stock Trends

The Perfect Retirement Plan? ·

2025/12/12

Send us a text How to Retire Without Chasing Hot Investing Trends Practical, tax-smart guidance for people about to retire or recently retired Hot stock trends are like pumpkin spice season: loud, overhyped, and gone before you finish your latte. In this episode of The Perfect Retirement Plan?, Phillip Smith of Tidepool Wealth Strategies explains why chasing the latest investment craze can sabotage your retirement confidence. Learn how to avoid FOMO-driven decisions, focus on what really bui...

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10:15

How Do I Retire in Oregon Without Losing Sleep? (The...

The Perfect Retirement Plan? ·

2025/11/26

Send us a text You spent decades saving. Now you have to start spending. Why does that feel so hard? In this episode of The Perfect Retirement Plan?, Phillip Smith explains the psychology of retirement income for people about to retire or recently retired in Oregon and the Pacific Northwest. Learn why the paycheck-to-withdrawal shift triggers anxiety, how couples can stay in sync, and how to design a simple income system you can trust. We cover predictable cash buffers, automated “paychecks,”...

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22:51

How to Retire Before Medicare Kicks In (Smart pre-65...

The Perfect Retirement Plan? ·

2025/11/14

Send us a text You’ve hit 62 and you’re ready to clock out, but Medicare doesn’t start until 65 and COBRA coverage costs more than your first car. What now? In this episode of The Perfect Retirement Plan?, Phillip Smith of Tidepool Wealth Strategies explains how to bridge the gap between early retirement and Medicare without draining savings or triggering surprise taxes. You’ll learn how to blend your three retirement money buckets (pre-tax, Roth, and taxable) for maximum flexibility, keep yo...

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8:42

How Much Cash Should I Keep in the Bank When I'm...

The Perfect Retirement Plan? ·

2025/10/31

Send us a text Cash feels safe—until it quietly starts working against you. In this episode of The Perfect Retirement Plan?, Phillip Smith of Tidepool Wealth Strategies explores why “cash is king” can be both comforting and costly for people about to retire or recently retired. You’ll learn how too much cash can lose value to inflation, trigger extra taxes, and delay smart decisions like investing or Roth conversions. Phillip explains how to find your personal “sleep-well number”—the right ba...

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15:05

Before You Buy! The Truth About "Be Your Own Bank" in...

The Perfect Retirement Plan? ·

2025/10/17

Send us a text Have you heard the pitch: “Use whole life insurance, borrow tax-free, and be your own bank”? In this episode of The Perfect Retirement Plan?, Phillip Smith of Tidepool Wealth Strategies breaks down the truth behind the “infinite banking” trend and what it really means for people about to retire or recently retired. Learn how policy loans actually work, why early costs and commissions can drain returns, and how missteps can trigger taxable income right when you need retirement c...

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13:10

What Do I Do If The Market Crashes When I'm About to...

The Perfect Retirement Plan? ·

2025/10/08

Send us a text About to retire or recently retired and worried a market drop could derail your plan? In this episode of The Perfect Retirement Plan?, Phillip Smith explains how to build a retirement strategy that still works when stocks fall. You’ll learn how sequence-of-returns risk hurts new retirees, why a 3–4 year cash reserve buys time, and how flexible “guardrails” withdrawals, smart rebalancing, and tax moves (loss harvesting, Roth conversions) protect your income plan. We ...

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15:27

Should I Rollover from a Roth 401(k) to A Roth IRA...

The Perfect Retirement Plan? ·

2025/09/25

Send us a text [Should I Roll Over My Roth 401(k) to a Roth IRA When I’m About to Retire?] – Clear, tax-smart guidance for people close to retirement About to retire – or recently retired – and wondering if you should move Roth 401(k) dollars into a Roth IRA? In this episode of The Perfect Retirement Plan?, Phillip Smith explains why a Roth 401(k) is great while you’re working, but why the rules at retirement can change taxes, timing, and flexibility. We cover the different 5-year clock...

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10:10

Medicare IRMAA: Trying to Avoid Surcharges and Reduce...

The Perfect Retirement Plan? ·

2025/09/11

Send us a text Medicare IRMAA can blindside people who are about to retire - and especially those who have recently retired. In this episode of The Perfect Retirement Plan?, Phillip Smith (Financial Planner with Tidepool Wealth Strategies breaks down IRMAA in plain English and shows how smart retirement planning in your low-tide tax window can lower lifetime premiums and taxes. You’ll learn about the 2025 IRMAA income thresholds, the 2-year lookback, how Roth conversions and one-t...

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16:39

The Solo 401(k) - Retirement Planning for the...

The Perfect Retirement Plan? ·

2025/08/28

Send us a text Running a consultancy, LLC, or S-Corp in the Pacific Northwest and getting close to retirement? This episode of The Perfect Retirement Plan? is built for you. Phillip Smith, Financial Planner with Tidepool Wealth Strategies, shows late-career small business owners how a Solo 401(k) can cut today’s taxes, accelerate savings in your final 5–7 working years, and stay flexible when income is lumpy. We cover 2025 Solo 401(k) contribution limits, stacking employee deferrals wit...

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12:07

5 Mistakes to Avoid as You Get Close to Retirement

The Perfect Retirement Plan? ·

2025/08/15

Send us a text 5 Mistakes to Avoid as You Get Close to Retirement – Clear, Tax-Smart Guidance for People Close to Retirement Are you close to retirement – or recently retired – and wondering how to dodge the biggest (and priciest) errors people make in their final working years? In this episode, Phillip Smith, CRPC®, financial planner at Tidepool Wealth Strategies, breaks it down in plain English. What you’ll learn 00:30 Intro – why this topic matters now 01:24 Mistake #1 – getting aggressive...

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6:39

The Income Replacement Rule May Fail You in...

The Perfect Retirement Plan? ·

2025/08/07

Send us a text If you're about to retire and doing online retirement withdrawal strategy research, you'll see retirement calculators thay say you must replace 70%-80% of paycheck. That rule can torpedo real retirement confidence. In this episode of The Perfect Retirement Plan?, Marine Corps veteran and financial planner Phillip Smith shows why your target isn’t a percentage. It’s 100% clarity that every bill and dream are funded. Learn how a personalized spending number, dynamic “...

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7:51

Tariffs, Tumult - and How it May Affect Your...

The Perfect Retirement Plan? ·

2025/07/25

Send us a text Trade-war headlines spiking your stress? Discover how tariff turmoil can shake markets, and how a solid retirement plan keeps you steady. In this episode of The Perfect Retirement Plan?, Phillip Smith of Tidepool Wealth Strategies unpacks import taxes, retaliation risks, and the 2018 China tariff shock, then shows late-career professionals exactly how to protect (and even grow) their nest egg. You’ll learn why staying invested beats panic selling, how strategic diversification ...

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11:04

Social Security Strategies for Late-Career...

The Perfect Retirement Plan? ·

2025/07/11

Send us a text Ready to squeeze every dollar from Social Security? This episode of The Perfect Retirement Plan? is a must-listen for late-career professionals who want bigger lifetime benefits and lower taxes. Phillip Smith, financial planner and Marine veteran, shows how the right filing sequence can add six figures to lifetime household income and protect the surviving spouse’s check. Chapters Roadmap: • Why Social Security timing matters for dual-income couples • Strategy 1: Delaying ben...

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11:33

5 Quick Tips to Help Super-Charge Your Retirement...

The Perfect Retirement Plan? ·

2025/07/02

Send us a text Ready to crank your nest egg into overdrive? This episode of The Perfect Retirement Plan? arms late-career professionals with five quick moves to help pump thousands of extra dollars into retirement accounts before the paycheck stops. Phillip Smith – financial planner and Marine veteran – reveals how to: Max out 2025 401(k) and IRA catch-up contributions, including the new SECURE 2.0 super catch-up;'Harvest low-bracket “tax valley” years for Roth conversions that slash future R...

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17:01

Do I Really Need a Financial Advisor, or Can I Handle...

The Perfect Retirement Plan? ·

2025/06/23

Thinking about retiring DIY-style because “why pay 1% for something I’ve managed for decades?” In this episode of The Perfect Retirement Plan? podcast, Phillip Smith, financial planner and Marine Corps veteran, asks the hard question: Do you really save money going solo, or does a skilled financial advisor quietly pay for themselves? We dive into why late-career professionals love the do-it-yourself approach, then expose hidden costs: tax drag, behavioral mistakes, sequence-of-returns r...

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16:02

How Do I Maximize My HSA for Retirement?

The Perfect Retirement Plan? ·

2025/06/09

Are you getting the most out of your Health Savings Account (HSA)? In this episode of The Perfect Retirement Plan?, titled “How Do I Maximize My HSA for Retirement?,” financial planner Phillip Smith of Tidepool Wealth Strategies walks late-career professionals (ages 55–65) through the powerful, often-overlooked features of the HSA, and how to use it as a tax-advantaged retirement tool. You’ll learn how to avoid common HSA myths, understand 2025 eligibility rules and contribution limits, ...

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11:55

Did You Inherit an IRA Recently? Here's How to Reduce...

The Perfect Retirement Plan? ·

2025/05/23

Just inherited a traditional IRA and dreading the 10‑year payout rule? Episode 17 of The Perfect Retirement Plan? podcast shows you how to shrink that looming tax bill instead of sacrificing your windfall. Phillip Smith, Marine‑turned‑financial‑planner at Tidepool Wealth Strategies, unpacks the SECURE Act’s 10‑Year Rule, then introduces his IRA‑to‑401(k) Conduit strategy, a tax-efficient way to offset taxable inherited‑IRA withdrawals with boosted pre‑tax 401(k) contributions. You...

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10:59

Will I Run Out of Money in Retirement? (And 4 Other...

The Perfect Retirement Plan? ·

2025/05/16

Are spiraling healthcare bills, a sudden market crash, or a nasty tax bite keeping you up at night? In Episode 16 of The Perfect Retirement Plan? podcast, Phillip Smith, CFP® (Oregon‑based wealth manager, Marine veteran, and host) dissects the five biggest retirement fears: outliving your savings, skyrocketing medical costs, portfolio‑crushing bear markets, loss of identity after work, and stealthy retirement taxes. Packed with statistics (current as of 2024), real client stories, and and a l...

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10:59

Will Medicare Really Cover All My Healthcare Expenses...

The Perfect Retirement Plan? ·

2025/05/09

Curious whether Medicare alone will cover all your healthcare expenses in retirement? In this episode, Phillip addresses the pressing questions late-career professionals (ages 55–65) have about Medicare Parts A, B, C, and D. Uncover the biggest coverage gaps - like dental, vision, hearing, and out-of-country healthcare - and learn how Medigap (Medicare Supplement) policies can help shield you from crippling out-of-pocket costs. Phillip also explores the pros and cons of Medicare Advanta...

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35 results

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