Welcome to another insightful episode of Life Isn’t Lived on a Spreadsheet! This week, host
Alec Quaid, Certified Financial Planner dives deep into the essential components of retirement
income planning. Retirement is about more than just financial projections—it’s about living your
best life with confidence and clarity.

Join us as we unravel the complexities of the Retirement Equation, a framework designed to
help you plan for a financially secure future. Alec breaks down critical variables like spending
rates, inflation, and tax planning, offering actionable advice to create a personalized retirement
strategy that works for you.

What You’ll Learn in This Episode:
● Spending in Retirement: How to estimate your future lifestyle costs and adjust for
changes like hobbies, travel, or health care.
● Inflation Impact: Why a 2.5% inflation assumption is conservative yet practical for long-
term planning.
● Tax Strategies: The importance of minimizing your lifetime tax bill through Roth
conversions and other innovative techniques.
● Income Stability Ratio: Discover why a 70–75% stable income target is key to a worry-
free retirement.
● Asset Withdrawal Order: Insights on spending down assets efficiently to maximize
growth and minimize taxes.

Have you ever wondered how your financial habits were shaped? This episode of Life Isn’t
Lived on a Spreadsheet unpacks the profound impact of family influences on financial decisions
and how to navigate the complexities of building your financial future. Host Ryan Poterack of
Poterack Capital Advisory shares personal insights, real-life stories, and practical advice for
overcoming generational patterns and fostering financial literacy.

In this episode, we explore:
● The role of family upbringing in shaping financial habits and decision-making.
● Why young people often lack role models in financial planning and how to change that.
● The importance of trust and relationships in seeking financial guidance.
● Real strategies for introducing financial literacy to children and grandchildren.

● Insights into estate planning and having those tough but essential family conversations.

Are you ready to rethink how you plan for retirement? This episode of Life Isn’t Lived on a
Spreadsheet dives deep into why your unique story, values, and objectives matter more than
cookie-cutter financial advice. Join host Ryan Poterack of Poterack Capital Advisory as he
challenges traditional financial planning and explores how behavioral finance and personalized
strategies can empower your golden years.

In this episode, we cover:

● The pitfalls of “one-size-fits-all” financial advice and why your story matters.
● Behavioral finance: How life experiences, biases, and fears shape financial decisions.
● Choosing between buying and leasing cars: A nuanced look at cash flow, flexibility, and
long-term goals.
● Real-world examples of tailoring investment strategies to individual needs, from risk
tolerance to portfolio design.
● The importance of asking the right questions to uncover your true financial objectives.

Gain actionable insights and fresh perspectives to help you approach retirement with
confidence. Whether you're an executive, soon-to-be retiree, or a goal-oriented professional,
this episode is packed with advice that breaks away from traditional approaches to financial
planning.