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.

Three booming market years can make anyone feel invincible—until the ground shifts. On this episode, advisors Raj Shah and Rick Borek unpack what happens when portfolios stall, risk tolerance drops, and retirement gets real. They discuss market rotation, dialing back concentrated positions, building reliable income streams, planning around Social Security uncertainty, political noise, and taxes, including Roth conversions. It’s a candid conversation about balance, predictability, and preparing for retirement without reacting to 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.

What happens when market swings collide with retirement reality? On this episode, Raj Shah and Rick Borek break down why volatility feels different when you’re close to retirement—and why moving everything to cash isn’t the answer. They explore predictable income, portfolio balance, and strategies designed to reduce stress when markets turn choppy. From guarding against major downturns to understanding Roth IRA conversions and guaranteed income streams, the conversation centers on aligning your money with how you actually want to live in retirement—calmly, confidently, and without watching the market every day.

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.

Market headlines are loud, but uncertainty is louder when retirement is on the line. On this episode, Raj Shah and Rick Borek break down why investors are craving predictability in volatile markets, from whipsaw stocks to geopolitical risk. They discuss blending growth with guaranteed income, how fixed income can stabilize retirement cash flow, and where Roth conversions fit into today’s tax environment. The conversation centers on control—structuring portfolios to support income needs, manage risk, and reduce future tax exposure without relying solely on market performance.

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 happens when aging parents never put their financial wishes in writing?
On this episode, Raj Shah and Rick Borek discuss why estate planning isn’t just for the wealthy and how overlooked details can create tax consequences, income gaps, and stress for families. Through a real client story, they explore estate plans, power of attorney, long‑term care funding, and the realities of retirement spending volatility. The conversation highlights how coordinated planning can align income, healthcare needs, and legacy decisions over time.

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.

Missiles overseas, markets at home, and investors stuck watching headlines late at night. On this episode, Raj Shah and Rick Borek break down how global conflict, market volatility, and recent record stock market gains collide—and what that means for everyday investors. They discuss why fear-driven market timing often backfires, how risk can be adjusted without abandoning equities, and why portfolio structure matters more than predictions. The conversation focuses on control, balance, and staying invested while navigating uncertainty.

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.