The Retirement Spectrum

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.

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

Is your 401(k) truly ready to support you for the next twenty years, or are hidden tax traps and market volatility waiting to derail your future? In this episode of The Retirement Spectrum, Alan Cohen explores why reaching age 73 could mean a surprise bill from Uncle Sam and how a Roth conversion might be your best defense against rising deficits. From the "buy the dip" myth to the power of dividend growth, learn how to build a resilient, tax-efficient portfolio that outlasts inflation without the anxiety of market timing. 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.

Moving the Finish Line: Why $1 Million Might Not Feel Like Enough

Imagine walking away from your career only to find the "finish line" for your savings keeps moving further away. In this episode of The Retirement Spectrum, Alan Cohen explores how to manage market volatility and the anxiety of outliving your money. Using a clever baseball metaphor, Alan explains why hitting "singles and doubles" with dividends and bonds is often more effective than swinging for home runs. From navigating geopolitical shifts to implementing a three-bucket withdrawal strategy, learn how to turn a complex financial transition into a predictable, lifelong paycheck. 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.