Radio Show Archive
Tune in to expert guidance from the EIA team on WCBM 680AM – Browse our full episode library below
Latest Episode
EP. 9
The Inventor of the 401(k) Said What?
- The 401k is a really powerful tool, but really it is just one tool. Okay, it was never designed to be someone's entire retirement plan by itself.
- 54min
All Episodes
EP. 187
Maximizing Your Retirement Income
- 47min
- WCBM
- “Look, I think it's the most important question, and as we know, turning 65 or turning 67 does not automatically guarantee you financial security, because we all need clarity on where our income is going to come from. Listen, while we're working, we are so used to having a paycheck coming in, whether it's weekly, every two weeks, monthly, whatever it is, the paycheck is what gives us security.”
EP. 186
Gray Divorce!
- 47min
- WCBM
- “It absolutely is, right? I mean, it isn't just about the romance, you know, you have to think of things that are going to be coming together in terms of your finances, you know, are you going to merge 100% of your finances together, you know, put joint bank accounts, assume you know each other's assets are yours, do you keep them separate?”
EP. 185
Gen Xer’s Are You Ready to Retire?
- 47min
- WCBM
- “It's not any longer about growing your money to the highest number that it can possibly be. At some point, in my opinion, it becomes about protecting what you've spent decades earning, and then turning what you've protected into an income that allows you and empowers you to live life the way that you want to live it.”
EP. 184
Future-Proof Your Retirement: Strategies Just For You
- 48min
- WCBM
- “Why is that? It's to take account of all the changes that have happened in my life with body composition and stress levels and just my general health every single year. If we're willing to take that level of care with our health, why wouldn't we do that with our finances as well?”
EP. 183
Retire Smart Maryland: The Urgency of Retirement Planning
- 48min
- WCBM
- “You got to figure out a way to create more income, because more income typically leads to a better outcome, and that gives you a good way to outpace inflation... Retirement is not about how much money you have it’s about how much income you’re able to generate.”
EP. 182
Retirement Planning: Myths and Realities
- 47min
- WCBM
- “You thinking you have a retirement plan is very different from actually having one written down and working for you. Today on Retire Smart Maryland Radio, we’ll outline some common retirement planning myths and the risks of assumptions that could leave your future underfunded.”
EP. 181
Rethinking Retirement: Are Old Strategies Still Valid?
- 47min
- WCBM
- “Safety is always going to be a huge component to your retirement plan, but it's also important to take risk in a structured and calculated way to help you grow your money to ultimately outpace inflation. Very rarely is the right thing to do to put all your money at risk, just as it's not typically appropriate to make all your money safe.”
EP. 180
Secure Income Strategies for Retirement
- 47min
- WCBM
- “We don’t care so much about the amount, it’s about how much income we can generate out of those sources to meet your expenses and do the things that you want to do.”
EP. 179
The Road to Financial Freedom in Retirement
- 47min
- WCBM
- “You don’t have to be a financial genius to retire successfully, but you do need a plan, whether you’re five years away or if you’re already retired. A simple retirement readiness review can help you shift from saving to a confident intentional spending mode.”
EP. 178
Saving vs. Investing: What You Need to Know When it Comes to Your Retirement
- 47min
- WCBM
- “Saving involves setting money aside in low-risk or even no-risk accounts, things like savings accounts, CDs, money markets, and the point there is that you're getting easy access to capital with very minimal risk, whereas investing, on the other hand, entails purchasing assets, things like stocks, bonds, mutual funds, with the expectation that we're going to get higher returns.”
EP. 177
Ultimate Retirement: Achieving True Financial Independence
- 47min
- WCBM
- “To me financial independence is not just about having a large bank account or having a bunch of investments, it's really to have the flexibility to be able to live life the way that you want to without having to rely on your job for that income.”
EP. 176
Are Baby Boomers Sabotaging Their Retirement?
- 47min
- WCBM
- “Everybody is so focused on not working, retiring from their job, that they don’t spend enough time thinking about what they’re retiring to and what they’re going to do in retirement. And I think that’s why we find a large population that gets to retirement and they wither away, they didn’t have a plan, they didn’t have a purpose.”
EP. 144
Feelings That Shape Your Financial Future
- 46min
- WCBM
- “Fear is the number one thing, especially when it comes to running out of money… true planning helps you mitigate some of those fears before those scenarios actually become reality.”
EP. 189
Beyond Dollars: The True Meaning of Legacy
- 47min
- WCBM
- “It's about, you know, what you would like to see, you know, passed on in terms of your values to your family and the lessons that you've learned, and a way to effectively share your life story with your family, your friends. I think it's a great idea.”
EP. 186
Gray Divorce!
- 47min
- WCBM
- “It absolutely is, right? I mean, it isn't just about the romance, you know, you have to think of things that are going to be coming together in terms of your finances, you know, are you going to merge 100% of your finances together, you know, put joint bank accounts, assume you know each other's assets are yours, do you keep them separate?”
EP. 195
Retirement Pitfalls: Key Missteps to Watch
- 48min
- WCBM
- “The biggest takeaway when it comes to compounding, is that you have to start early. It's actually more important to start earlier, even in smaller amounts, and do that for a longer period of time, because if you wait too long, it oftentimes means that you have to save maybe even an unrealistic amount on an on a month-to-month basis to ultimately achieve your retirement goals.”
EP. 194
Facing Retirement Fears: Financial Security Insights
- 47min
- WCBM
- “Longevity risk is precisely the type of risk that you don't actually feel it or realize that it's even there until it's too late, and that's because it just kind of creeps in quietly. It's like one of these things that I would call a financial termite, right, that just slowly eats at the foundation of your retirement plan.”
EP. 193
Retirement Stressors: A Comprehensive Guide
- 47min
- WCBM
- “Retirement is not about getting to some number, some arbitrary number, it's all about understanding how much income is going to drive your lifestyle, if you really think about it. Your financial life, while you're working, is just a function of what I call money coming in and money going out.”
EP. 192
Retirement Planning: The Key to Financial Peace
- 48min
- WCBM
- “Your retirement plan, it's not a crock pot, right? It's not a slow cooker. You don't just put the money in there, let it sit forever without ever revisiting it, and that's just because markets are going to change, tax laws shift, your goals they evolve over time.”
EP. 190
Mastering Retirement: The Five Pillars You Need
- 48min
- WCBM
- “When it comes to success in retirement, isn't it all about the income that you can bring in to fulfill the expenses and the lifestyle that you want? So, there's a lot that goes into that, right. When do I take Social Security? What's the optimal point to turn that benefit on?”
EP. 189
Beyond Dollars: The True Meaning of Legacy
- 47min
- WCBM
- “It's about, you know, what you would like to see, you know, passed on in terms of your values to your family and the lessons that you've learned, and a way to effectively share your life story with your family, your friends. I think it's a great idea.”
EP. 188
Retire Smart: Setting the Tone for a New Life Chapter
- 47min
- WCBM
- “Your value in retirement doesn't come from your output, it comes from how you live. And I think that's how we try to position this to our clients. It's not about what you're retiring from, it's about what you're retiring to.”
EP. 187
Maximizing Your Retirement Income
- 47min
- WCBM
- “Look, I think it's the most important question, and as we know, turning 65 or turning 67 does not automatically guarantee you financial security, because we all need clarity on where our income is going to come from. Listen, while we're working, we are so used to having a paycheck coming in, whether it's weekly, every two weeks, monthly, whatever it is, the paycheck is what gives us security.”
EP. 186
Gray Divorce!
- 47min
- WCBM
- “It absolutely is, right? I mean, it isn't just about the romance, you know, you have to think of things that are going to be coming together in terms of your finances, you know, are you going to merge 100% of your finances together, you know, put joint bank accounts, assume you know each other's assets are yours, do you keep them separate?”
EP. 184
Future-Proof Your Retirement: Strategies Just For You
- 48min
- WCBM
- “Why is that? It's to take account of all the changes that have happened in my life with body composition and stress levels and just my general health every single year. If we're willing to take that level of care with our health, why wouldn't we do that with our finances as well?”
EP. 182
Retirement Planning: Myths and Realities
- 47min
- WCBM
- “You thinking you have a retirement plan is very different from actually having one written down and working for you. Today on Retire Smart Maryland Radio, we’ll outline some common retirement planning myths and the risks of assumptions that could leave your future underfunded.”
EP. 181
Rethinking Retirement: Are Old Strategies Still Valid?
- 47min
- WCBM
- “Safety is always going to be a huge component to your retirement plan, but it's also important to take risk in a structured and calculated way to help you grow your money to ultimately outpace inflation. Very rarely is the right thing to do to put all your money at risk, just as it's not typically appropriate to make all your money safe.”
EP. 4
It’s All About the Income
- 54min
- It’s not about how much your nest egg needs to be in order for you to retire. To me, it’s really all about one thing, which is how much of a paycheck or how much income can that nest egg deliver for you for as long as possible before you actually run the risk of running out?
EP. 201
Retirement: The Importance of Planning
- 47min
- WCBM
- “Retirement is really almost like you're flying across the country. If you're retired, if you're in retirement, or within a few years of retirement, your plan needs to do more than just get you airborne, right? It actually needs to help you land the plane safely.”
EP. 191
Smart Spending in Retirement: Overcoming Emotional Barriers
- 47min
- WCBM
- “Another thing that we're big believers in is bucketing your money, right, creating a bucket of money where you're going to draw your income that's not dependent upon the market, and in terms of fluctuations up or down, the last thing that you want to be doing is taking out a chunk of money from your portfolio while the market's down. It makes it very difficult to recover.”
EP. 145
The Changing Seasons of Retirement and How to Prepare
- 47min
- WCBM
- “The scariest day of a retiree’s lifetime is not the day that they run out of money… it’s the day that they realize that they will run out of money, and there’s nothing they can do about it.”
Ep. 143
Cooking Up Your Perfect Retirement Plan
- 47min
- WCBM
- “It's not about timing the market, it's about time in the market, which really just reinforces the fact that investing is a long-term endeavor, and it should be treated as such.”
EP. 171
Retirement Realities: Surprising Positives
- 47min
- WCBM
- “Retirement folks isn't just about money, it's about peace of mind. If any of these red flags hit home for you, you are not alone.”
EP. 170
Understanding Economic Indicators for Retirement Planning
- 47min
- WCBM
- “Some of the best economic indicators aren’t in the Wall Street Journal, they’re in your shopping cart. Lipstick, liquor minis, cardboard — that might sound like a bunch of random stuff, but those are effectively the check engine light of the economy.”
EP. 158
Retire Smart Maryland: Peak 65 is Upon Us, What is it? & Are You Ready for it?
- 47min
- WCBM
- “Retirement isn’t just about how much you’ve saved, it’s about making sure that your money lasts as long as you do.”
EP. 153
From Savings to Stability: Diversifying for Retirement Security
- 46min
- WCBM
- “When you get to retirement, it’s not necessarily about how much money you have, but it’s more so about how much income that money can generate for you, and the only way you’re going to generate income from your investments is if you can protect a lot of the gains that you’ve accumulated over time.”
EP. 150
Strategize & Save: Key 2025 Retirement Changes Explained
- 47min
- WCBM
- “Just having money in different places is not a coordinated and comprehensive plan, because nowhere on those statements does it tell you when you're going to run out of money. It doesn't tell you what your tax rate is going to be when you retire. It doesn't tell you how to handle health care expenses.”
EP. 146
End of Year Checklist: Preparing for Your Retirement
- 47min
- WCBM
- “The closer you get to retirement, it’s not return on investment, it’s reliability of income. If you don’t have a reliable paycheck in retirement, you’re not going to be properly set up to have a comfortable retirement.”
EP. 145
The Changing Seasons of Retirement and How to Prepare
- 47min
- WCBM
- “The scariest day of a retiree’s lifetime is not the day that they run out of money… it’s the day that they realize that they will run out of money, and there’s nothing they can do about it.”
EP. 8
A New Way of Thinking About Retirement Planning?
- 54min
- “I think the new way of thinking is to really break your retirement down into unique and distinct kind of phases or scenarios. And to me, when we talk about stacking for retirement, there's really four major things that come to mind that every pre-retiree and retiree really needs to make sure they have a good plan for.
EP. 5
Retirement is Different Than It Was
- 54min
- Retirement is not about how much money you have; it’s about making sure that your money creates the income, which allows you to pay for the health care, which allows you to travel, which allows you to do all the things that you never got to do because you were too busy working your butt off for the last 40 years.
EP. 3
Social Media Financial Advice, and Procrastination in Retirement
- 54min
- Every financial decision that you've made in the past is a financial prescription that has both side effects and interactions with every other prescription that you've taken. And so often people are not evaluating the side effects and the interactions associated with their decisions.
EP. 2
Curveballs in Retirement, and the Social Media Influence
- 54min
- Retirement is still about money coming in and money going out, but what changes is where the money in comes from. If it’s not coming from your paycheck, it’s just gotta come from somewhere else.
EP. 199
200 Episodes of Insight: A Retirement Journey
- 47min
- WCBM
- “One thing I've learned is that people want clarity, not just financial clarity, but they want emotional clarity. They want peace. They don't want jargon, they want structure, and they want calm, and they want honesty.”
EP. 198
How Can Retirees Protect Their Income?
- 47min
- WCBM
- “Retirement is just a function of what I call money coming in and money going out at the end of the day, the money going out is what drives your lifestyle. So, oftentimes when we sit down with folks, one of the first things we talk about is how much money is going to get spent every month in order for you to live as comfortably as possible.”
EP. 197
Retire With Confidence: Key Insights
- 48min
- WCBM
- “To me, it's not about trying to time the market and be in the right trade at the right time, it's really about designing a plan that creates longevity. Do you have an income plan where you can look at one sheet of paper or one television screen and see how much income you're going to have coming in every month, every year, for the rest of your life?”
EP. 196
It has been A Year of Change in Retirement Planning Looking Ahead: What to Expect in 2026
- 48min
- WCBM
- “If you get to retirement and you don’t know where your paycheck is coming from, you’re going to be looking at your accounts every single day. And one thing I’ve learned in counseling probably over 1000 people through this, the deeper and deeper you get into retirement, the more sensitive your emotions become to losing money.”
EP. 194
Facing Retirement Fears: Financial Security Insights
- 47min
- WCBM
- “Longevity risk is precisely the type of risk that you don't actually feel it or realize that it's even there until it's too late, and that's because it just kind of creeps in quietly. It's like one of these things that I would call a financial termite, right, that just slowly eats at the foundation of your retirement plan.”
EP. 190
Mastering Retirement: The Five Pillars You Need
- 48min
- WCBM
- “When it comes to success in retirement, isn't it all about the income that you can bring in to fulfill the expenses and the lifestyle that you want? So, there's a lot that goes into that, right. When do I take Social Security? What's the optimal point to turn that benefit on?”
EP. 184
Future-Proof Your Retirement: Strategies Just For You
- 48min
- WCBM
- “Why is that? It's to take account of all the changes that have happened in my life with body composition and stress levels and just my general health every single year. If we're willing to take that level of care with our health, why wouldn't we do that with our finances as well?”
EP. 183
Retire Smart Maryland: The Urgency of Retirement Planning
- 48min
- WCBM
- “You got to figure out a way to create more income, because more income typically leads to a better outcome, and that gives you a good way to outpace inflation... Retirement is not about how much money you have it’s about how much income you’re able to generate.”
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“MAKING THE RIGHT DECISIONS AT THE RIGHT TIME, SITTING DOWN AND PUTTING TOGETHER A PLAN, AND FIGURING OUT WHAT IS AVAILABLE TO PROVIDE A LIFETIME INCOME IN RETIREMENT ARE ALL THINGS WE CAN HELP WITH HERE AT EIA.”
“STOP THINKING ABOUT RETIREMENT AS, ‘I HAVE TO GET TO [A CERTAIN NUMBER] BEFORE I CAN RETIRE.’ FIGURE OUT WHAT LIFE NEEDS TO LOOK LIKE, AND LET’S BUILD A PLAN THAT ALLOWS YOU THE OPPORTUNITY TO LIVE THAT LIFESTYLE.”
“WE ARE ALL ABOUT INCOME. WE WANT TO MAKE SURE YOU HAVE ENOUGH INCOME COMING IN WHEN YOU RETIRE. AND WE ALSO WANT TO MAKE SURE WE CONSIDER INFLATION AND TAXES.”
