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Navigating the Retirement Risk Zone

Navigating the Retirement Risk Zone

Written by: Eric Amzalag
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About this listen

 The Retirement Risk Zone is the period of time that begins roughly 10 years before retirement and ends 10 years into retirement. During that time, you will make many of the most consequential financial decisions of your life, including your exact retirement date and age, when to claim social security, how to claim Medicare, how to reposition your retirement assets, as well as how to create an income from retirement savings. So much focus is put on the accumulation (Savings phase) of retirement, or the distribution (spending phase) of retirement that the risk zone often gets overlooked despite its importance. This podcast is designed to not only help you navigate the retirement risk zone but thrive in retirement. My name is Eric Amzalag, I am a Certified Financial Planner TM, Retirement Income Certified Professional, and owner of the independent Financial Planning and Wealth Management Firm Peak Financial Planning. Let's explore retirement income planning, social security, retirement investing, and retirement satisfaction together. Happy Retirement Planning!@ 2024 Peak Financial Planning Economics Personal Finance
Episodes
  • How to evaluate a retirement investment portfolio

    How to evaluate a retirement investment portfolio
    Dec 4 2024

    Today I am going to share 3 critical ways to manage risk in your retirement portfolio.


    Whether you are fully invested or have cash that has been sitting on the sidelines,


    I believe that you have more influence over your investment outcomes than you are being led to believe.


    Now, The process and tools I go over today are influenced by my personal beliefs about investing -


    But I do believe that they can help you deploy your cash, reduce risk, or shield from volatility - but it will require an understanding of some basic concepts.


    If you found this episode helpful, subscribe so you don't miss any future episodes.


    Also, I'd greatly appreciate it if you gave a rating and review. It helps other people just like you find the podcast and benefit from discussions on these topics as well.


    Eric Amzalag, CFP®, RICP®

    _ _

    Want help with your Retirement Plan?

    Schedule a free consultation

    Email me: Eric@thepeakfp.com


    Visit my Youtube Channel


    #retirement #howmuchtoretire #retirementplanning #rothira #rothconversion #investing #401k #socialsecurity
    Show More Show Less
    13 mins
  • Is The 1% Rule Actually Worthwhile in Retirement?

    Is The 1% Rule Actually Worthwhile in Retirement?
    Nov 20 2024

    When is a one - off financial planning fee appropriate?


    When is a percentage of assets under management fee appropriate?


    Everyone has opinions about these matters


    And today I’m going to share mine with you all.


    If you found this episode helpful, subscribe so you don't miss any future episodes.


    Also, I'd greatly appreciate it if you gave a rating and review. It helps other people just like you find the podcast and benefit from discussions on these topics as well.


    Eric Amzalag, CFP®, RICP®

    _ _

    Want help with your Retirement Plan?

    Schedule a free consultation

    Email me: Eric@thepeakfp.com


    Visit my Youtube Channel


    #retirement #howmuchtoretire #retirementplanning #rothira #rothconversion #investing #401k #socialsecurity
    Show More Show Less
    8 mins
  • 50% Outrun Savings in Retirement? Here's Why They're Wrong...

    50% Outrun Savings in Retirement? Here's Why They're Wrong...
    Oct 30 2024

    I came across a retirement finance article recently that really sent me loopy.


    The title was:


    Almost 50% of US households will outrun their savings in retirement — but this 1 money move could sustain your nest egg


    The article quotes a study from the Morningstar Center for Retirement & Policy Studies.


    Once I got past how misleading and malicious the headline was, the content underneath was actually reasonably good.


    But I thought I’d make a quick video on the matter to show you all, people looking to retire happily and well, how the machine is working against you.


    If you found this episode helpful, subscribe so you don't miss any future episodes.


    Also, I'd greatly appreciate it if you gave a rating and review. It helps other people just like you find the podcast and benefit from discussions on these topics as well.


    Eric Amzalag, CFP®, RICP®

    _ _

    Want help with your Retirement Plan?

    Schedule a free consultation

    Email me: Eric@thepeakfp.com


    Visit my Youtube Channel


    #retirement #howmuchtoretire #retirementplanning #rothira #rothconversion #investing #401k #socialsecurity
    Show More Show Less
    5 mins
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