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. 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. 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. 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. 9
The Inventor of the 401(k) Said What?
- 54min
- 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.
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. 7
Planning for Uncertainty in Retirement
- 54min
- One thing is for certain, in my opinion, planning for uncertainty inevitably creates greater confidence. And so, my opinion is you should try to think of different negative scenarios that could come up within reason.
EP. 6
Wildcards in Retirement
- 54min
- You have to rope healthcare planning into the overall financial picture. If you haven't done that, or if your advisor has never talked to you about Medicare or IRMA, I think it's a fair question to ask whether or not you're actually working with a retirement specialist.
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. 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. 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. 1
The Unretirement Trend, and Outdates Assumptions in Retirement
- 54min
- AI is a phenomenal assistant for organizing chaos. Okay, but with that being said, I think you must never confuse information with wisdom. A machine can generate spreadsheets in seconds, but it can’t understand fear. It can’t understand family dynamics, health issues, or the emotional weight that having to deal with your life savings can carry.
EP. 202
Retirement Challenges: Myths and Realities
- 48min
- WCBM
- “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.”
EP. 200
The Essential Guide to Retirement Planning
- 47min
- WCBM
- “when it comes to living a comfortable lifestyle in retirement, it's all about your income, you know. We want to get your income as high as possible, as fast as possible, but most importantly, as safe as possible.”
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. 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. 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.”
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. 140
Retire Like Royalty
- 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.”
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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.”
