The Retirement Income Gap: What Most People Don't Discover Until It's Too Late | Full Episode #8

Описание: Retirement income planning, retirement income gap, and safe withdrawal rate strategies for South Carolina retirees. This episode covers what most people don't find out until they're already retired.

Most people head into retirement thinking they've saved enough.

Then they sit down and see the numbers. There's often a gap between what you think you'll need and what you've actually planned for and that gap can run from $500,000 to a million dollars.

Stewart Smith, LUTCF®, RICP® and Mitch Davies walk through what's driving that gap and what you can do about it before it's too late.

Ready to see what your retirement income picture actually looks like?

Call us to schedule a 15-minute conversation to find out if ClearPath is the right fit for your retirement planning needs.

📞 864-775-5033
👉 clearpathretirement.com
📺 Subscribe: @ClearPathRetirementPlanning
🎧 Search "ClearPath Retirement Radio" on Apple Podcasts and Spotify
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WHAT YOU'LL LEARN
→ Why a $1 million portfolio may only generate $40,000 a year and why that may not be enough
→ How inflation, longer retirements, and healthcare costs are widening the gap for Upstate SC retirees
→ What the "retirement red zone" is and why those last five years before retirement are the most critical
→ Why some people are still working part-time and actually paying more in taxes and Medicare as a result
→ How Roth conversions and the tax arbitrage window could help before required minimum distributions begin
→ What the five-year Roth rule actually means and why the confusion may be keeping people from a powerful strategy
→ The three-bucket investing approach and how it could reduce stress and help your money last through a 30-year retirement
→ What Mitch's Market Minute is tracking: the VIX, oil, PPI data, and what it may mean for retirees
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TIMESTAMPS
0:00 — Introduction: What is the retirement income gap
1:00 — The 4% withdrawal rate and what it actually produces
2:15 — Inflation, longer retirements, and rising healthcare costs
4:00 — The retirement red zone: your five most critical years
5:30 — Are you working just to pay more taxes?
7:30 — A real client story: the questions keeping people up at night
10:00 — Why Roth conversions need more than a mention
14:00 — How Roth conversions could make a million-dollar difference
18:30 — Strategies to fill the retirement income gap
19:00 — The tax arbitrage window explained
26:00 — The five-year Roth rule: what it really means
30:00 — IRA vs. Roth money as a legacy
33:30 — Mitch's Market Minute: markets, VIX, and the Fed
42:30 — How investing in retirement is different
44:00 — The three-bucket strategy
47:00 — Active management and the third bucket
48:00 — Closing and how to get started
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Call: (864) 775-5033 | ClearPathRetirement.com
ClearPath Retirement Radio — Saturdays at 10 AM on Upstate Red AM 1330
📺 YouTube: @ClearPathRetirementPlanning | 🎧 Apple Podcasts & Spotify
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Investment advisory services offered through Alphastar Capital Management, LLC, a SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm by the SEC nor does it indicate that the adviser has attained a particular level of skill or ability. Fixed insurance products are offered through Clearpath Retirement Planning, LLC and Alphastar Capital Management is not involved in the offer, recommendation, sale or management of commission-based fixed Insurance products. Alphastar Capital Management and Clearpath Retirement Planning, LLC are separate and independent entities. This is for informational purposes only and is not intended as legal, tax or investment advice or a recommendation of any particular security, investment product or investment strategy.
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