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. 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. 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. 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. 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. 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.”
