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by Tim Wood. Certified Financial Fiduciary
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What if the key to a less stressful retirement comes down to one simple factor—income? In this episode, Tim Wood explains why guaranteed income is becoming a major focus for retirees, especially as pensions become less common. The conversation explores how annuities fit into modern retirement planning, why flexibility matters when life doesn’t go according to plan, and how reducing expenses and preparing for early retirement scenarios can impact long‑term outcomes. Tim also highlights why tre...
A one‑in‑three chance of recession may not sound certain—but it can feel very real nearing retirement. In this episode, Tim Wood explains why even a small probability of market downturns matters when you only get one chance to retire. The conversation explores sequence‑of‑returns risk, the importance of protecting income, and why understanding retirement terms like RMDs, IRMAA, and longevity risk can shape long‑term outcomes. Tim also discusses common planning mistakes, how to reduce exposure...
Market rebounds don’t always bring peace of mind—especially when retirement is getting close. In this episode, Tim Wood explains why inflation, volatility, and fear are causing many Americans to delay retirement, even after markets recover. The conversation breaks down the emotional and financial risks of staying fully exposed to the market, why rebalancing means more than just shifting investments, and how guaranteed income planning can change the way retirees think about risk. Tim also addr...
Taxes don’t end when work paychecks stop—they often get more complicated in retirement. In this episode, Tim Wood breaks down why unexpected taxes, required minimum distributions, and Medicare surcharges can catch retirees off guard without proactive planning. The discussion covers retirement tax planning basics, Roth conversions, Social Security timing, and how annuities can fit into an overall income strategy when used with intention. Tim also explains why understanding the purpose of your ...
One bad market swing early in retirement can undo decades of saving. In this episode, Tim Wood explains why sequence‑of‑returns risk, poor diversification, and procrastination are some of the most expensive mistakes retirees make. Using real‑world examples, including his own family’s experience, Tim breaks down the critical shift from growth to protection as retirement approaches. The conversation also explores how often portfolios should be reviewed, why “diversified” doesn’t always mean saf...
Trying to guess whether markets have hit bottom can create more stress than clarity in retirement. In this episode, Tim Wood explains why relying on headlines, timing calls, or acquisition‑focused thinking can undermine retirement confidence. The discussion explores shifting from growth to income, managing inflation and longevity risk, and avoiding the pressure of having everything tied to market performance. Tim also unpacks FOMO, YOLO, and JOMO mindsets—and why enjoying retirement requires ...
Retirement shouldn’t feel like the final minutes of a championship game. In this episode, Tim Wood explains why market pressure, inflation, longevity risk, and emotional decisions can make retirement unnecessarily stressful—and how planning can help reduce that pressure. The conversation covers guaranteed income, managing market exposure, avoiding the trap of underliving retirement, and making thoughtful decisions after an inheritance. Tim also shares why confidence to spend, intentional paci...
If you know more about your March Madness bracket than your retirement plan, you’re not alone—and that disconnect can matter. In this episode, Tim Wood explains why retirement planning has to go beyond spreadsheets and generic labels to reflect real life, real goals, and real risks. The conversation explores common blind spots like unmanaged risk, tax inefficiency, income planning gaps, and long‑term care concerns. Tim also shares why treating retirement like a product instead of a personal g...
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Join me weekly for discussions about Retirement Tax Planning, Guaranteed Lifetime Income plans, ZERO-LOSS Growth Strategies, Legacy Planning, Long Term Care, Roth Conversions, and more. Hosted by Certified Financial Fiduciary®, member of Ed Slott's Elite IRA Advisor Group℠, Founder of Safe Money Retirement®, and the #1 Bestselling Author of Safe Money Retirement: Your Game Plan for Success, Tim Wood. You can get more info and a FREE copy of my book at www.SafeMoneyRetirement.com.
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