Retirement Results Podcast

The Backdoor Roth Trap No One Talks About

Think a backdoor Roth is a simple workaround? Think again. In this episode, Dan Groben and Phil Menard break down how backdoor Roth strategies really work, why they’re just a traditional IRA contribution followed by a conversion, and the small missteps that can trigger big tax consequences. They discuss income limits, pro rata rules, and the importance of understanding your full financial picture before making a move—especially if you have multiple accounts or are nearing required minimum distribution age. The conversation also explores why Roth conversions should be part of a broader tax strategy and how future tax rates and Social Security uncertainty factor into retirement planning decisions. Connect with Dan & Phil at Servant Advisors Group [https://servantadvisors.com/contact/] See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

When Retirement Lasts Longer Than Your Career

A 40-year retirement sounds like a stretch, until you realize it’s already happening. This episode explores how longer lifespans are reshaping retirement planning, from managing decades of income needs to navigating rising healthcare costs and inflation. The conversation highlights why relying on market performance or old rules of thumb can leave gaps, especially as pensions become rare and Social Security faces uncertainty. With more responsibility shifting to individuals, building a plan that accounts for longevity, volatility, and unexpected expenses becomes essential. It’s a candid look at what retirement could really require, and why planning with extra margin may matter more than ever. Connect with Dan & Phil at Servant Advisors Group [https://servantadvisors.com/contact/] See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

Why Annuities Are Quietly Taking Over Retirement Plans

What if the “safe” part of your portfolio isn’t actually safe anymore? This episode breaks down why annuities are making a comeback as retirees face rising inflation, market volatility, and potential Social Security cuts. The conversation highlights how modern fixed index annuities differ from outdated versions, offering income protection without market or interest rate risk. Real client concerns—like protecting travel budgets and covering healthcare costs—bring the strategy to life. It’s a look at how retirement planning is adapting to today’s economic pressures and why guaranteed income is back in focus. Connect with Dan & Phil at Servant Advisors Group [https://servantadvisors.com/contact/] See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

When Your Portfolio Starts Sleeping at the Wheel

Your portfolio can quietly drift into dangerous territory without you realizing it. This episode of the Retirement Results Podcast explores portfolio rebalancing and why many investors nearing retirement unknowingly take on more risk than intended. The conversation breaks down how strong-performing sectors can overwhelm diversification, how risk tolerance shifts as retirement approaches, and why unmanaged portfolios often become concentrated in a small group of stocks. Through real-world examples and historical perspective, the discussion highlights how rebalancing helps portfolios stay aligned with intended risk levels rather than letting market momentum dictate retirement outcomes. Connect with Dan & Phil at Servant Advisors Group [https://servantadvisors.com/contact/] See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

When Market Gains Start Driving Retirement Decisions

After years of strong market performance, retirement confidence is rising—but is that confidence leaning too heavily on recent gains? The conversation explores why market-driven optimism can be misleading and how short-term growth doesn’t always line up with long-term retirement needs. The discussion covers volatility, income uncertainty, Social Security concerns, inflation, and why relying solely on portfolio growth may create risk later on. The focus shifts to building durability through planning, diversified income streams, and separating money meant for growth from money meant to pay the bills in retirement. Connect with Dan & Phil at Servant Advisors Group [https://servantadvisors.com/contact/] See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.