Radio Show Archive
Tune in to expert guidance from the EIA team on WCBM 680AM – Browse our full episode library below
Latest Episode
EP. 202
Retirement Challenges: Myths and Realities
- “You can save a couple million dollars, live comfortably, and still get blindsided in retirement, especially by taxes. Today, we're walking through the mistakes that people make, the myths that quietly cost retirees money, and how to avoid forced income later in life.”
- 48min
- WCBM
All Episodes
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. 175
Mind Over Money: Understanding Financial Stress
- 47min
- WCBM
- “I provide peace of mind for folks in retirement, that’s what we do.”
EP. 174
Unlocking the Secrets to a Successful Retirement
- 47min
- WCBM
- “You can’t just wing it… that takes planning.”
EP. 173
Understanding the One Big Beautiful Bill and Your Retirement
- 47min
- WCBM
- “The decisions you make today will ripple potentially for decades, and this is now your window to adjust, to optimize, and to protect what you have built.”
EP. 172
Retirement: The Reality of Fixed Income
- 47min
- WCBM
- “Just because you're on a fixed income in retirement doesn't mean your expenses are fixed. In fact, some of them might shrink. Let's explore why your golden years might come with a few financial surprises, some pleasant, some not so much.”
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. 159
Elite Income Advisors: What’s Your Retirement Number?
- 46min
- WCBM
- “It’s not about how much money you have, it’s about how much income you need in retirement, and ultimately the income you need is driven by what you’re going to spend.”
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. 157
2025 The Financial Freedom Blueprint
- 46min
- WCBM
- “It’s not about eliminating risk totally, it’s about managing it wisely.”
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. 156
Retire Smart: Behavioral Finance, It’s a Big Deal When it Comes to Your Retirement
- 47min
- WCBM
- “People feel like retirement is a celebration of what they’re retiring from, when in fact it really should be a celebration of what they’re retiring to.”
EP. 155
Retire Smart: Feeling Overwhelmed When it Comes to Retirement: We got You.
- 47min
- WCBM
- “Retirement is all about income. It’s about creating that strong foundation.”
EP. 154
Retire Smart: The Fitness of Your Finances: Exercises to Build Wealth
- 46min
- WCBM
- “Brisk walking kind of reminds me of making slow and steady retirement contributions over the course of your career… making regular scheduled moderate contributions to your retirement accounts… steadily build wealth over time.”
EP. 152
Financial Coaching For New Year Success
- 46min
- WCBM
- “Having statements is not equivalent to having a plan, because nowhere on those statements will it typically tell you how long that money is going to last, what the tax liability of it is when you withdraw it, or how much risk and return you're getting out of that portfolio.”
EP. 151
Retirement Blueprint: Turning Dreams into Reality
- 47min
- WCBM
- “Your financial life at its core, at its simplest form, is just a function of money in and money out. Paychecks come in, expenses go out… Now, when you get to retirement, that does not change. It just doesn’t change. It’s all about money in and money out, but what changes is where that money in comes from.”
EP. 149
Health Wealth & Happiness in Retirement
- 47min
- WCBM
- “At some point protecting your downside becomes a lot more important than trying to chase upside.”
EP. 148
The Difference Makers when it Comes to Retirement
- 47min
- WCBM
- “Everyone’s situation is a little bit different… this goes back to Social Security optimization.”
EP. 147
Sweet Retirement Ideas for You to Chew On
- 47min
- WCBM
- “Remember, retirement is all about paycheck creation. When you lose your paycheck from working, you need to have another way to recreate that paycheck in retirement, and that starts with multiple streams of income.”
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. 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. 142
Mastering The Moving Parts of Retirement
- 47min
- WCBM
- “Retirement planning isn't something that you can leave to chance. It's not something that you want to leave till the last minute. You want to get out ahead of it and put that plan in place proactively.”
EP. 141
Prescription for Financial Health in Retirement
- 47min
- WCBM
- “One thing we’re always preaching is having proactive financial management, as opposed to reactive management, and proactive financial management includes having the willingness to make difficult decisions at difficult times to better the long-term health of your financial plan.”
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. 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. 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.”
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. 148
The Difference Makers when it Comes to Retirement
- 47min
- WCBM
- “Everyone’s situation is a little bit different… this goes back to Social Security optimization.”
EP. 147
Sweet Retirement Ideas for You to Chew On
- 47min
- WCBM
- “Remember, retirement is all about paycheck creation. When you lose your paycheck from working, you need to have another way to recreate that paycheck in retirement, and that starts with multiple streams of income.”
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.”
Listen To Our Shows Live
Catch our advisors live on WCBM 680AM
Tuesday
On WCBM (680AM) 6PM-7PM
Saturday
On WCBM 12PM-1PM
Sunday
On WCBM 2PM-3PM
YOUR JOURNEY TO THE GOLDEN YEARS STARTS NOW.
“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.”
