Segment 1 - 27:00

Segment 2 - 27:00

On this week’s episode:
Could the biggest retirement mistakes happen before retirement even begins? 
Michael Masor discusses why A.I. can be a useful educational tool but may fall short when it comes to personalized retirement planning. 
Learn how to separate market noise from meaningful risks, why retirement requires a different strategy than the accumulation years, and key considerations surrounding Roth conversions, taxes, and Social Security. 
The conversation also covers healthcare planning, preparing spouses for financial transitions, and building a retirement income strategy designed to adapt to life's uncertainties.

Head down your Clear Path to Retirement with Michael today!

On this week&rsquo;s episode:
<ul>
<li>Could the biggest retirement mistakes happen before retirement even begins?&nbsp;</li>
<li>Michael Masor discusses why A.I. can be a useful educational tool but may fall short when it comes to personalized retirement planning.&nbsp;</li>
<li>Learn how to separate market noise from meaningful risks, why retirement requires a different strategy than the accumulation years, and key considerations surrounding Roth conversions, taxes, and Social Security.&nbsp;</li>
<li>The conversation also covers healthcare planning, preparing spouses for financial transitions, and building a retirement income strategy designed to adapt to life's uncertainties.</li>
</ul>
Head down your Clear Path to Retirement with Michael <a href="https://clearwaterfinancialgroup.com/contact/">today</a>!

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 insight, and entertaining conversations you can’t afford to miss!

Is your retirement plan clear as mud? Need a cleanse from all the noise in the financial world? You&rsquo;re in the right place &ndash; 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 insight, and entertaining conversations you can&rsquo;t afford to miss!

Clearwater Retirement Podcast

Biggest Mistakes May Happen Before Retirement & A.I. as a Tool, Not the Whole Plan | Separating Market Noise from Real Risks & Getting Spouses on the Same Page

Full Show Pod

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 costs, and long-term care planning.
Michael also explains Roth conversion considerations, income planning strategies, and why retirement decisions should be tailored to your unique financial situation.
Discover key planning topics that can help you better understand the financial challenges and opportunities that may arise in retirement.

Head down your Clear Path to Retirement with Michael today!

On this week&rsquo;s episode:
<ul>
<li>The biggest retirement costs are often the ones you never see coming.</li>
<li>Michael Masor discusses the transition from saving for retirement to creating reliable retirement income.</li>
<li>Learn about common hidden expenses, including investment fees, Medicare surcharges, healthcare costs, and long-term care planning.</li>
<li>Michael also explains Roth conversion considerations, income planning strategies, and why retirement decisions should be tailored to your unique financial situation.</li>
<li>Discover key planning topics that can help you better understand the financial challenges and opportunities that may arise in retirement.</li>
</ul>
Head down your Clear Path to Retirement with Michael <a href="https://clearwaterfinancialgroup.com/contact/">today</a>!

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 final years before retirement can reveal risks that are easy to overlook until they start affecting the plan.
This episode explores longevity, inflation, market volatility, healthcare costs, and the potential impact of slowing or pausing retirement contributions.
Plus, discover why retirement readiness goes beyond the numbers, with conversations about taxes, income planning, estate planning, and finding purpose after leaving the workforce.

Head down your Clear Path to Retirement with Michael today!

On this week&rsquo;s episode:
<ul>
<li>The final years before retirement can reveal risks that are easy to overlook until they start affecting the plan.</li>
<li>This episode explores longevity, inflation, market volatility, healthcare costs, and the potential impact of slowing or pausing retirement contributions.</li>
<li>Plus, discover why retirement readiness goes beyond the numbers, with conversations about taxes, income planning, estate planning, and finding purpose after leaving the workforce.</li>
</ul>
Head down your Clear Path to Retirement with Michael <a href="https://clearwaterfinancialgroup.com/contact/">today</a>!

Final Years Before Retirement & Longevity and Other Risks | Readiness is More Than a Number & Purpose in Retirement

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 long-term care costs can impact retirement income. 
Discover why age 59½ is an important milestone for retirement account planning. 
Michael explains common retirement tax traps, including Social Security taxation, RMDs, Medicare surcharges, and inheritance planning. 
Plus, why every retirement plan should reflect your unique financial goals, not someone else’s.

Head down your Clear Path to Retirement with Michael today!

On this week&rsquo;s episode:
<ul>
<li>Could one overlooked tax decision today cost you thousands in retirement tomorrow?&nbsp;</li>
<li>Michael Masor discusses why retirement planning should start well before year-end and how small decisions can create long-term ripple effects.&nbsp;</li>
<li>Learn how longevity, healthcare expenses, and long-term care costs can impact retirement income.&nbsp;</li>
<li>Discover why age 59&frac12; is an important milestone for retirement account planning.&nbsp;</li>
<li>Michael explains common retirement tax traps, including Social Security taxation, RMDs, Medicare surcharges, and inheritance planning.&nbsp;</li>
<li>Plus, why every retirement plan should reflect your unique financial goals, not someone else&rsquo;s.</li>
</ul>
Head down your Clear Path to Retirement with Michael <a href="https://clearwaterfinancialgroup.com/contact/">today</a>!

Biggest Mistakes May Happen Before Retirement & A.I. as a Tool, Not the Whole Plan | Separating Market Noise from Real Risks & Getting Spouses on the Same Page

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