How much cash do you really need when markets turn volatile—and is the usual advice missing important context? On this episode, Raj Shah and Rick Borek break down emergency funds, income planning, and why retirement decisions aren’t one-size-fits-all. The conversation covers market cycles, balancing risk and growth, coordinating guaranteed income, and avoiding costly assumptions around Social Security timing. Real-life examples highlight how personalized analysis—not blanket rules—can clarify retirement readiness and help align financial decisions with real-world goals.

For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com

Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner.

See omnystudio.com/listener for privacy information.

What should you really do with an old 401(k) after leaving your job—and why do so many people overlook it? On this episode, Raj Shah and Rick Borek break down the common mistakes retirees make with former employer plans, including leaving accounts unmanaged or cashing out too soon. They explore rollover options, in-service withdrawals, and how fees, limited investment choices, and market volatility factor into smarter long-term planning. The conversation also touches on retirement income structuring, spending patterns, and mindset lessons—from professional athletes to everyday retirees—about planning for both short- and long-term needs.

For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com

Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner.

See omnystudio.com/listener for privacy information.

Markets are swinging, headlines are loud, and many investors are reacting instead of planning. On this episode, Raj Shah and Rick Borek break down why market volatility, political noise, and sudden world events can derail retirement plans—and what to do instead. The conversation focuses on building an all‑weather financial strategy, protecting gains as portfolios grow, preparing in the critical years leading up to retirement, and balancing growth with stability. It’s a grounded discussion on planning through uncertainty without chasing headlines.

For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com

Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner.

See omnystudio.com/listener for privacy information.