Why Your Retirement Accounts Aren’t Fully Yours

Your retirement savings may feel like they’re yours—but the rules say otherwise. In this episode of Empower Your Retirement, Frank and Frankie Guida unpack how taxes, required rules, and account structures can limit flexibility in retirement. Using a surprising Oscars analogy, the conversation expl…

Why So Many Retirement Spending Plans Fall Short

Many retirees discover too late that their spending plan isn’t working the way they expected. In this episode, Frankie Guida discusses why income and spending plans often fall out of sync in retirement and what commonly leads people to cut back sooner than planned. The conversation covers the role …

Why Retirement Changes the Rules of Investing

Saving for retirement is one challenge—figuring out how to invest once withdrawals begin is another. In this episode, Frankie Guida explains why retirement requires a shift in investment mindset, especially when income is coming from the portfolio. The discussion covers balancing market risk, plann…

The Mega Backdoor Roth Most Savers Overlook

You may know what a Roth is—but what exactly is a mega backdoor Roth, and who can actually use it? In this episode, Frankie Guida breaks down how higher earners can potentially move more money into tax‑advantaged accounts through employer retirement plans. The discussion walks through how after‑tax…

Is $1.6 Million Really the Retirement Number?

How much do you really need to retire—and does a single dollar number even make sense? In this episode, Frank and Frankie Guida unpack why widely quoted retirement figures like $1.6 million miss the mark for most people. The conversation focuses on income, timing, pensions, Social Security, taxes, …

The Money Lessons School Never Taught

School taught trigonometry and the recorder—but skipped the money lessons that matter most. In this episode of Empower Your Retirement, Frank and Frankie Guida of A Better Way Financial talk about the financial basics many people were never taught and why that leads to uncertainty later in life. Th…

The Retirement Number Myth: Why Headlines Get It Wrong

How much do you really need to retire—and why do the headline numbers miss the mark? In this episode of Empower Your Retirement, Frank and Frankie Guida break down the real factors that shape retirement income needs, from spending habits and lifestyle changes to inflation and income sources like So…

The One Percent Fee That Can Quietly Cost You Millions

A one percent fee sounds harmless—until you see what it does over time. In this episode of Empower Your Retirement, Frank and Frankie Guida break down how investment fees quietly compound, layer on top of each other, and reshape long‑term retirement outcomes. They walk through real math examples, c…

Are You Asking the Right Retirement Questions—or Missing the Biggest One?

What if the biggest retirement risk isn’t the market—but what your advisor isn’t talking about? Frank and Frankie Guida discuss the questions retirees are asking right now, from protecting savings in a downturn to keeping up with inflation, and spotlight one issue they see missing far too often: ta…

The Risk Nobody Sees: Inflation in Retirement

Inflation can quietly erode retirement savings long before markets ever make a headline. In this episode of Empower Your Retirement, Frank and Frankie Guida unpack how rising living costs, falling interest rates, and overly conservative portfolios can chip away at purchasing power over time. Using …