Clearwater Retirement Podcast
Clearwater Retirement Podcast
Is your retirement plan clear as mud? Need a cleanse from all the noise in the financial world? You’re in the right place – with the Clearwater Retirement Podcast. From Michael Masor and Clearwater Financial Group, the Clearwater Retirement Podcast gets to the heart of the retirement information you need, right from the sources you can trust. Tune in for robust financial analysis, sharp portfolio…Social links:
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Are Fees, Taxes and A.I. Giving You the Whole Story?
On this week’s episode: The biggest retirement risks may be the ones you don't notice until it's too late. Michael Masor discusses common retirement planning blind spots, including hidden fees, RMDs, Roth conversion considerations, Medicare surcharges, and the role annuities may play in an income …
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Common Hidden Expenses & Is Roth a Consideration for You? | The Biggest Costs You Often Don't See Coming & Saving to Income Shift
On this week’s episode: Learn about common hidden expenses, including investment fees, Medicare surcharges, healthcare costs, and long-term care planning. Michael Masor also explains Roth conversion considerations, income planning strategies, and why retirement decisions should be tailored to your …
54:00
Hidden Tax Fees Could Be Impacting Your Plan & Saving is One Thing. Living is Another | Hidden Expenses & Roth Conversion Considerations
On this week’s episode: The biggest retirement costs are often the ones you never see coming. Michael Masor discusses the transition from saving for retirement to creating reliable retirement income. Learn about common hidden expenses, including investment fees, Medicare surcharges, healthcare cost…
54:00
One Costly Tax Decision & Retirement Planning Before Year End | Why 59 and a Half is an Important Age & Common Tax Traps
On this week’s episode: Could one overlooked tax decision today cost you thousands in retirement tomorrow? Michael Masor discusses why retirement planning should start well before year-end and how small decisions can create long-term ripple effects. Learn how longevity, healthcare expenses, and l…
54:00
Retirement Danger Zone & Risks of Timing the Market | Asset Growth vs. Income Reliability & Life Changes, Volatility, etc. Reshape Retirement Planning
On this week’s episode: One bad market decision near retirement can change everything. Why the five‑to‑seven‑year window before retirement is the real danger zone. The risks of trying to time the market as income replaces paychecks. How emotional decisions can derail long‑term retirement plans. The…
54:00
The Retirement Number You've Been Chasing May Not Matter Most & Unexpected Retirement Changes Everything? | Are You Planning or Just Saving? & Hurdles You Need to Be Aware Of
On this episode of Clearwater Retirement: Is the retirement number everyone talks about sending you in the wrong direction? Michael Masor explains why retirement planning is more about creating income than reaching a specific savings goal. Learn how annuities may fit into a broader retirement stra…
54:00
Not About a Magic Number & Stability in Your Plan | Investment Growth Isn't Everything & Customization is Key
On this week’s episode: Retirement planning isn’t about hitting a number—it’s about creating income that matches your lifestyle. This episode explores how annuities can provide stability, predictable income, and protection from market volatility. It highlights why relying solely on investment growt…
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The "Magic Number" may not be the Number that Matters & Understanding Expenses | Factors that Shape Retirement & Creating Multiple Streams
On this week’s episode with Michael Masor: Chasing a retirement “magic number” may be distracting you from the numbers that actually matter. In this episode, Michael explains why retirement planning starts with understanding your expenses, income sources, and lifestyle goals—not a one-size-fits-all…
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The Biggest Mistake & Roles in Retirement Readiness | Outdated Financial Plans are a Risk & Timing, Income Streams and Checkups
On this week’s episode with Michael Masor: The biggest retirement mistake may be focusing on a number instead of having a plan. Market performance, Social Security, taxes, healthcare costs, and income strategies all play a role in retirement readiness. Michael discusses how outdated financial plan…
54:00
Retirement Planning Isn’t Set It and Forget It & When Old Plans Meet New Risks | The Hidden Mistakes That Appear Late in Retirement & Balancing Offense and Defense
On this week’s episode: Michael Masor explains why “set it and forget it” investing doesn’t work as retirement gets closer. Retirement plans can quietly drift out of sync when they’re left on autopilot too long. Learn how inflation, healthcare costs, taxes, and market swings can reshape portfolios …
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