The Backdoor Roth Trap No One Talks About

Are Retirement Portfolios Missing a Critical Risk?

Fidelity’s decision to add annuities to target-date funds is reigniting a major retirement planning debate. In this episode, Dan Groben and Phil Menard explore why income planning is becoming just as important as market growth, the difference between market risk and interest-rate risk, and the questions investors should ask before adding an annuity to their retirement strategy. They discuss accumulation versus distribution planning, the role of guaranteed income, tax considerations, and how retirees can build a retirement plan designed to support long-term financial confidence. Connect with Dan & Phil at Servant Advisors Group [https://servantadvisors.com/contact/] See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

Why Are Retirees and Gen Z Rushing to Roth Accounts?

Are today’s tax rates the lowest you may see in retirement? Dan Groben and Phil Minard discuss why Roth accounts are attracting attention from both Gen Z investors and retirees. They explore the factors driving interest in Roth conversions, how taxes can affect retirement income, why withdrawal strategies matter, and situations where a Roth conversion may or may not make sense. The conversation also covers legacy planning considerations and the importance of evaluating tax decisions within the context of an individual retirement plan. Connect with Dan & Phil at Servant Advisors Group [https://servantadvisors.com/contact/] See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

The Hidden Risk Lurking in Your "Safe" Retirement Money

What if the "safe" side of your retirement portfolio isn't as safe as you think? Dan Groben and Phil Menard examine whether the traditional 60/40 portfolio still works in today's market and why bonds may present challenges that many investors overlook. They discuss interest rate risk, the impact of inflation, and how fixed indexed annuities are often used as an alternative for portfolio protection and income planning. The conversation also explores concerns surrounding future Social Security benefits and the role guaranteed income can play in a retirement strategy. Connect with Dan & Phil at Servant Advisors Group [https://servantadvisors.com/contact/] See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

You May Be Able to Retire Sooner Than You Think

What if the retirement date you’ve been assuming for years is much closer than you think? Dan Groben and Phil Menard share a real-life case of a saver who expected to work until age 70, only to discover a different path after building a detailed retirement income strategy. The conversation explores retirement income planning, replacing pensions, Roth conversions, tax efficiency, longevity risk, long-term care concerns, and how structured planning can change the way retirees view their future. Connect with Dan & Phil at Servant Advisors Group [https://servantadvisors.com/contact/] See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

The Diversification Illusion: Are You More Exposed Than You Think?

What if your “diversified” portfolio is secretly riding on just a handful of stocks? Dan Groben and Phil Menard break down how persistent inflation impacts retirement plans and why true diversification matters more than ever. They explore hedging strategies using assets like commodities, real estate, and balanced allocations, while revealing how overlapping mutual fund holdings can concentrate risk without investors realizing it. A real client example highlights how performance can mislead when portfolios aren’t properly spread out. The conversation also examines how rising inflation rates can quickly erode retirement income and why planning assumptions matter. Connect with Dan & Phil at Servant Advisors Group [https://servantadvisors.com/contact/] See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.