The RMD Trap: Why Your Growing 401(k) Might Cost You More

The S&P 500 Mirage: Why Record Highs Are Making Advisors Cautious

Is your retirement strategy built on a financial optical illusion? As the S&P 500 hits record highs, Spectrum Wealth Partners’ Alan Cohen explores why massive market momentum might actually signal time to take chips off the table. He breaks down the hidden risks of popular "set-it-and-forget-it" target date funds, reveal why high interest rates have created a golden age for self-funded pensions, and explain how to bulletproof your portfolio against the ultimate retirement expense: taxes. Learn how a complimentary "portfolio x-ray" can expose your dead money before the next market pullback. To learn more about Alan and the team at Spectrum Wealth Partners, go to www.spectrumwp.com [https://www.spectrumwp.com/]. See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

The Golden Age of Income: Rethinking Retirement in a Volatile Midterm Year

Navigating historical midterm volatility and shifting market headlines can make transitioning from a steady paycheck to self-funding retirement feel incredibly daunting. Host Alan Cohen explores practical defensive strategies, like balancing dividend-growth stocks, utilizing high-rate protective annuities, and mapping out multiple income streams. Discover how working your financial numbers backward can help prevent common budgeting mistakes, lower portfolio risk, and build long-term confidence. Whether you are wondering how to maximize Social Security or seeking a second opinion on hidden fees, this episode offers a roadmap for your distribution phase. To learn more about Alan and the team at Spectrum Wealth Partners, go to www.spectrumwp.com [https://www.spectrumwp.com/]. See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

One Foot on the Gas, One Foot on the Brake: Balancing Retirement Growth and Protection

Is your retirement strategy accelerating toward growth or slamming on the brakes for safety? On this episode of The Retirement Spectrum, host Alan Cohen unpacks the modern investor's biggest dilemma: capturing market highs while shielding your nest egg from sudden downturns. Discover why the traditional 60/40 portfolio might be a mistake, how to navigate sneaky but legal backdoor Roth conversions to lock in tax-free growth, and ways to optimize your 401k before it's too late. It’s time to move past the hype and build a balanced, resilient retirement plan. To learn more about Alan and the team at Spectrum Wealth Partners, go to www.spectrumwp.com [https://www.spectrumwp.com/]. See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

Panic is Not a Strategy: Navigating Bull Markets and Media Noise

Stop letting market headlines dictate your financial future while the "noise" of volatile cycles keeps you awake at night. In this episode of The Retirement Spectrum, Alan Cohen breaks down why the current bull market may have more room to run and how to shield your portfolio from the inevitable 10% drawdowns. From the power of "refinancing" older annuities for higher income to the critical importance of tax efficiency before RMDs kick in, Alan provides a roadmap for turning market volatility into a managed toll for growth. Learn how to identify "dead money" and build a predictable paycheck for life. To learn more about Alan and the team at Spectrum Wealth Partners, go to www.spectrumwp.com [https://www.spectrumwp.com/]. See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

The "Sell in May" Myth and Your Retirement Paycheck

Are you sprinting toward the retirement starting line or cautiously tiptoeing into the unknown? On this episode of The Retirement Spectrum, Alan Cohen breaks down why the "Sell in May" myth rarely holds up and how to build a paycheck that lasts. From the power of dividend aristocrats to the math behind Roth conversions, we explore how to turn your savings into a reliable income stream. Whether you’re navigating social security timing or looking for tax efficiency, discover how a written plan provides the clarity and confidence needed to enjoy your next chapter. To learn more about Alan and the team at Spectrum Wealth Partners, go to www.spectrumwp.com [https://www.spectrumwp.com/]. See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.