What sounds like a simple tax workaround could quietly create a bigger problem in retirement. In this episode, Jimmy Lin breaks down the backdoor Roth IRA strategy, explaining how high earners can bypass contribution limits—but also why it’s easy to get wrong. From overlooked IRS Form filings to the confusing pro rata rule, even small missteps can trigger unexpected tax consequences. The conversation highlights why tax strategies shouldn’t stand alone but fit into a broader retirement plan, balancing income sources, tax exposure, and long-term goals.

If you want to begin the conversation on helping turn your retirement savings into income, preserving your retirement assets, and optimizing your taxes throughout retirement, go to rightpathwm.com and set up a meeting with Jimmy and the team or call 702-805-7000.

Hear Jimmy Lin on “Right Path to Retirement Radio” each Saturday at 12 noon on News and Talk Radio 840 KXNT

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What if retirement lasts longer than your entire career? A new study suggests 40-year retirements may become the norm, forcing a shift in how income, risk, and longevity are planned. Jimmy Lin explains why longer life expectancies and earlier retirements are reshaping strategy, from delaying Social Security to building diversified income streams beyond the market. He also explores the growing risk of outliving savings and why outdated rules may fall short. This episode focuses on adapting retirement plans to handle volatility, inflation, and decades of uncertainty with a more flexible, comprehensive approach.

If you want to begin the conversation on helping turn your retirement savings into income, preserving your retirement assets, and optimizing your taxes throughout retirement, go to rightpathwm.com and set up a meeting with Jimmy and the team or call 702-805-7000.

Hear Jimmy Lin on “Right Path to Retirement Radio” each Saturday at 12 noon on News and Talk Radio 840 KXNT

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What if the retirement tool once seen as a “dirty word” is quietly making a comeback? This episode explores why annuities are gaining traction again and what’s changed from their troubled reputation years ago. Jimmy Lin breaks down how modern annuities differ, including improved flexibility, potential legacy features, and their role in today’s higher interest rate environment. The conversation also addresses common misconceptions, the risks tied to variable annuities, and how fees and market exposure can impact outcomes. As retirement planning continues to evolve, this discussion highlights how annuities may fit into the broader puzzle of generating income, managing risk, and supporting long-term financial strategies.

If you want to begin the conversation on helping turn your retirement savings into income, preserving your retirement assets, and optimizing your taxes throughout retirement, go to rightpathwm.com and set up a meeting with Jimmy and the team or call 702-805-7000.

Hear Jimmy Lin on “Right Path to Retirement Radio” each Saturday at 12 noon on News and Talk Radio 840 KXNT

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What if everything you’ve been told about retirement spending is off the mark? This episode challenges the idea of relying on fixed percentages and explores why real retirement planning centers on lifestyle, not rules of thumb. Jimmy Lin explains why many retirees spend less than expected, the risks of underspending out of fear, and how a “retirement smile” can reshape spending over time. The conversation highlights common budgeting blind spots like healthcare costs and the importance of aligning your resources with your goals. It’s a look at what happens when planning shifts from generic formulas to a strategy built around how you actually want to live.

If you want to begin the conversation on helping turn your retirement savings into income, preserving your retirement assets, and optimizing your taxes throughout retirement, go to rightpathwm.com and set up a meeting with Jimmy and the team or call 702-805-7000.

Hear Jimmy Lin on “Right Path to Retirement Radio” each Saturday at 12 noon on News and Talk Radio 840 KXNT

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Fame and fortune don’t guarantee financial security, just ask the stars who watched it slip away. Inspired by a revealing look at boy band finances, Jimmy Lin breaks down why high earners—and everyday savers—can still face serious retirement risks. He explains how focusing only on saving and growth can leave major gaps when it’s time to turn assets into income. The conversation highlights the dangers of going it alone, the importance of financial education, and why even the wealthy face the same emotional and planning challenges. From professional athletes to retirees, the lesson is clear: a strategy matters more than a salary.

If you want to begin the conversation on helping turn your retirement savings into income, preserving your retirement assets, and optimizing your taxes throughout retirement, go to rightpathwm.com and set up a meeting with Jimmy and the team or call 702-805-7000.

Hear Jimmy Lin on “Right Path to Retirement Radio” each Saturday at 12 noon on News and Talk Radio 840 KXNT

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What if the most dangerous moment for your retirement plan is already here? Jimmy Lin explores how historical market dips, especially early in retirement, can reshape long-term outcomes through sequence of return risk. He breaks down why early losses hurt more, how volatility impacts withdrawals, and why many portfolios may be more exposed than expected—even with bonds. The conversation highlights strategies like index annuities and structured notes designed to help preserve assets and provide flexibility during downturns, emphasizing the importance of building a plan that adapts to unpredictable markets.

If you want to begin the conversation on helping turn your retirement savings into income, preserving your retirement assets, and optimizing your taxes throughout retirement, go to rightpathwm.com and set up a meeting with Jimmy and the team or call 702-805-7000.

Hear Jimmy Lin on “Right Path to Retirement Radio” each Saturday at 12 noon on News and Talk Radio 840 KXNT

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Waiting too long—or starting too early—can change how retirement planning takes shape. On this episode of The Right Path to Retirement, financial advisor Jimmy Lin discusses why the five-year mark before retirement matters so much, and what happens when people wait until the final stretch to seek guidance. The conversation touches on income planning, Social Security timing, healthcare before Medicare, and the tax questions that surface as retirement gets closer. Jimmy also explains who benefits most from professional advice and why starting the conversation earlier can expand your options as retirement approaches.

If you want to begin the conversation on helping turn your retirement savings into income, preserving your retirement assets, and optimizing your taxes throughout retirement, go to rightpathwm.com and set up a meeting with Jimmy and the team or call 702-805-7000.

Hear Jimmy Lin on “Right Path to Retirement Radio” each Saturday at 12 noon on News and Talk Radio 840 KXNT

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There’s a narrow window in retirement where tax decisions can quietly reshape everything that comes next. In this episode of The Right Path to Retirement, Jimmy Lin breaks down why ages 66 to 69 often come up in conversations around Roth conversions—and why timing alone isn’t the full story. The discussion explores how low-income years, standard deductions, Social Security timing, and future RMDs all intersect, along with the risks of treating Roth conversions as a do‑it‑yourself move. It’s an inside look at how taxes, retirement income, and legacy planning collide.

If you want to begin the conversation on helping turn your retirement savings into income, preserving your retirement assets, and optimizing your taxes throughout retirement, go to rightpathwm.com and set up a meeting with Jimmy and the team or call 702-805-7000.

Hear Jimmy Lin on “Right Path to Retirement Radio” each Saturday at 12 noon on News and Talk Radio 840 KXNT

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See omnystudio.com/listener for privacy information.