Can They Retire? Breaking Down Mike & Carol's Financial Situation - WTW 115

Описание: In this video I unpack a real case study of a retired couple who were told for 16 years to stay “70/30” and not touch their income because actuarial tables said they might live to 95.

The returns looked fine on paper, but the plan didn’t feel like their life. So we rebuilt the conversation from the ground up: listen first, translate goals into cash flow, then design a structure that buys time and reduces stress.

We walk through a simple, durable bucket strategy anchored by a five-year income “war chest” funded with fixed income and implemented through a bond ladder. When markets wobble, that ladder matures on schedule, keeping monthly checks uninterrupted and avoiding forced equity sales. With near-term income secured, we show how to responsibly raise their retirement paycheck by a few hundred dollars and create a path to adjust upward as the portfolio grows. It’s a shift from product labels to lived experience—less jargon, more clarity about how money supports everyday choices.

We also explain why weekly market commentary can amplify anxiety, and how reframing communication around the psychology of money helps clients feel calm, confident, and in control. If you’ve ever wondered whether your retirement plan is built around your goals or someone else’s template, this story offers a blueprint for change: align values, secure cash needs, and let time do its work. Subscribe for more practical strategies, share this with someone stuck in “set-and-forget” mode, and leave a review to tell us what would make you feel more confident about your retirement.

What the Wealth Retirement Podcast
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Me on LinkedIn:   / jbednarii  
What the Wealth podcast: https://www.buzzsprout.com/739073
What the Wealth online: https://whatthewealth.com/
Email us: [email protected]

Jonathan Bednar, CFP®

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investing personalfinance whatthewealth rateanalysis interestrates portfolio retirementplanning retirement createthelifeyoulove ira inheritance finance financialadvisor

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More resources:
Paradigm on LinkedIn:   / paradigm-wealth-partners  
Paradigm online: https://paradigmwealthpartners.com/