Segment 1 - 27:00

Segment 2 - 27:00

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 savings target.
He discusses how Social Security, pensions, healthcare costs, market volatility, and inflation can shape retirement outcomes.
The conversation also highlights the importance of creating multiple income streams, preparing for unexpected life events, and building a plan that supports both everyday needs and bucket-list goals.

Head down your Clear Path to Retirement with Michael today!

On this week&rsquo;s episode with Michael Masor:
<ul>
<li>Chasing a retirement &ldquo;magic number&rdquo; may be distracting you from the numbers that actually matter.</li>
<li>In this episode, Michael explains why retirement planning starts with understanding your expenses, income sources, and lifestyle goals&mdash;not a one-size-fits-all savings target.</li>
<li>He discusses how Social Security, pensions, healthcare costs, market volatility, and inflation can shape retirement outcomes.</li>
<li>The conversation also highlights the importance of creating multiple income streams, preparing for unexpected life events, and building a plan that supports both everyday needs and bucket-list goals.</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

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:
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 plans can leave retirees exposed to changing market conditions, tax rules, and unexpected life events.
The conversation also covers retirement timing risk, planning for the loss of a spouse, creating dependable income streams, and why annual financial checkups matter. 

Head down your Clear Path to Retirement with Michael today!

On this week&rsquo;s episode with Michael Masor:
<ul>
<li>The biggest retirement mistake may be focusing on a number instead of having a plan.</li>
<li>Market performance, Social Security, taxes, healthcare costs, and income strategies all play a role in retirement readiness.&nbsp;</li>
<li>Michael discusses how outdated financial plans can leave retirees exposed to changing market conditions, tax rules, and unexpected life events.</li>
<li>The conversation also covers retirement timing risk, planning for the loss of a spouse, creating dependable income streams, and why annual financial checkups matter.&nbsp;</li>
</ul>
Head down your Clear Path to Retirement with Michael <a href="https://clearwaterfinancialgroup.com/contact/">today</a>!

The Biggest Mistake & Roles in Retirement Readiness | Outdated Financial Plans are a Risk & Timing, Income Streams and Checkups

Full Show Pod

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 over time.
The show explores why dipping into retirement accounts is often a short‑term fix with long‑term consequences.
Michael also discusses managing political risk, balancing offense and defense, and navigating the shift from saving to spending before a misstep becomes costly.

Head down your Clear Path to Retirement with Michael today!

On this week&rsquo;s episode:
<ul>
<li>Michael Masor explains why &ldquo;set it and forget it&rdquo; investing doesn&rsquo;t work as retirement gets closer.</li>
<li>Retirement plans can quietly drift out of sync when they&rsquo;re left on autopilot too long.</li>
<li>Learn how inflation, healthcare costs, taxes, and market swings can reshape portfolios over time.</li>
<li>The show explores why dipping into retirement accounts is often a short‑term fix with long‑term consequences.</li>
<li>Michael also discusses managing political risk, balancing offense and defense, and navigating the shift from saving to spending before a misstep becomes costly.</li>
</ul>
Head down your Clear Path to Retirement with Michael <a href="https://clearwaterfinancialgroup.com/contact/">today</a>!

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:
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 growth can create stress without a clear income strategy.
The conversation also covers key risks, including tax surprises after losing a spouse and retiring earlier than planned.
You’ll hear why building a customized plan—based on your income sources, expenses, and goals—is critical to navigating retirement with clarity.

Head down your Clear Path to Retirement with Michael today!

On this week&rsquo;s episode:
<ul>
<li>Retirement planning isn&rsquo;t about hitting a number&mdash;it&rsquo;s about creating income that matches your lifestyle.</li>
<li>This episode explores how annuities can provide stability, predictable income, and protection from market volatility.</li>
<li>It highlights why relying solely on investment growth can create stress without a clear income strategy.</li>
<li>The conversation also covers key risks, including tax surprises after losing a spouse and retiring earlier than planned.</li>
<li>You&rsquo;ll hear why building a customized plan&mdash;based on your income sources, expenses, and goals&mdash;is critical to navigating retirement with clarity.</li>
</ul>
Head down your Clear Path to Retirement with Michael <a href="https://clearwaterfinancialgroup.com/contact/">today</a>!

The "Magic Number" may not be the Number that Matters & Understanding Expenses | Factors that Shape Retirement & Creating Multiple Streams

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