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Coach Pete and Russ Hackmann break down the smartest year-end retirement moves, why rebalancing matters more than most people think, and the real difference between wills and trusts — without the boring legal jargon. They dig into the “financial red zone,” explain how AI is quietly changing investments, and call out the mistakes that can derail retirement fast. If you want a clear, no-nonsense game plan to protect your money and retire with confidence, this episode is a must-listen.

Coach Pete and Russ Hackmann break down the smartest year-end retirement moves, why rebalancing matters more than most people think, and the real difference between wills and trusts &mdash; without the boring legal jargon. They dig into the &ldquo;financial red zone,&rdquo; explain how AI is quietly changing investments, and call out the mistakes that can derail retirement fast. If you want a clear, no-nonsense game plan to protect your money and retire with confidence, this episode is a must-listen.

The mission of Rock on Retirement is to equip you with the tools and knowledge that you need to successfully navigate through today's complex financial world. Each week, the hosts and guests on the show reveal the latest developments in the financial industry to keep you informed of changes that may affect you personally, while sharing some common sense strategies that will help you make the most out of your retirement savings.

Rock on Retirement

The mission of Rock on Retirement with Coach Pete D'Arruda of Capital Financial is to equip you with the tools and knowledge that you need to successfully navigate through today's complex financial world. Each week, the hosts and guests on the show reveal the latest developments in the financial industry to keep you informed of changes that may affect you personally, while sharing some common sense strategies that will help you make the most out of your retirement savings.

The mission of Rock on Retirement with Coach Pete D'Arruda of Capital Financial is to equip you with the tools and knowledge that you need to successfully navigate through today's complex financial world. Each week, the hosts and guests on the show reveal the latest developments in the financial industry to keep you informed of changes that may affect you personally, while sharing some common sense strategies that will help you make the most out of your retirement savings.

The Retirement Red Zone: Moves You Can’t Afford to Miss

Coach Pete and the crew get straight to the point in this episode: if you’re not squeezing every ounce out of your 401(k), you’re leaving real money behind. They break down the Roth vs. traditional decision in plain English—what you’re really betting on with taxes—and why “safe money” isn’t about being scared, it’s about building a foundation that can survive market chaos. From lifetime income planning to dialing in asset allocation (how you spread money across investments) based on your risk tolerance (how much volatility you can stomach), Coach also calls out the “financial termites” that quietly eat your savings—fees, bad timing, and sloppy strategy. Bottom line: stop drifting and start driving your plan.

Coach Pete and the crew get straight to the point in this episode: if you&rsquo;re not squeezing every ounce out of your 401(k), you&rsquo;re leaving real money behind. They break down the Roth vs. traditional decision in plain English&mdash;what you&rsquo;re really betting on with taxes&mdash;and why &ldquo;safe money&rdquo; isn&rsquo;t about being scared, it&rsquo;s about building a foundation that can survive market chaos. From lifetime income planning to dialing in asset allocation (how you spread money across investments) based on your risk tolerance (how much volatility you can stomach), Coach also calls out the &ldquo;financial termites&rdquo; that quietly eat your savings&mdash;fees, bad timing, and sloppy strategy. Bottom line: stop drifting and start driving your plan.

401(k) Secrets, Roth vs. Traditional Smackdown, and the “Safe Money” Moves Wall Street Won’t Spell Out

Coach Pete and Russ Hackman (the Wall Street Sweeper!) break down why market volatility is brutal for retirees when too much money stays on the risk table—and why the old 60/40 stock-bond playbook was built for a different era. Russ warns Wall Street keeps “feeding you risk,” even trying to jam private assets into 401(k)s, while Coach Pete stresses you need an exit strategy and lifetime income options so retirement isn’t hostage to headlines. They hit home with the Antonio Brown cautionary tale—over $100 million earned, now Chapter 11 with under $50K in assets—as proof that bad planning (or bad luck at the wrong time) can wipe out anyone. The takeaway: balance growth with protection, plan for inflation, and don’t ignore the silent killer—taxes.

Coach Pete and&nbsp;Russ Hackman (the Wall Street Sweeper!)&nbsp;break down why market volatility is brutal for retirees when too much money stays on the risk table&mdash;and why the old 60/40 stock-bond playbook was built for a different era. Russ warns Wall Street keeps &ldquo;feeding you risk,&rdquo; even trying to jam private assets into 401(k)s, while Coach Pete stresses you need an exit strategy and lifetime income options so retirement isn&rsquo;t hostage to headlines. They hit home with the Antonio Brown cautionary tale&mdash;over $100 million earned, now Chapter 11 with under $50K in assets&mdash;as proof that bad planning (or bad luck at the wrong time) can wipe out anyone. The takeaway: balance growth with protection, plan for inflation, and don&rsquo;t ignore the silent killer&mdash;taxes.

"Only the Paranoid Survive” — Coach Pete and Russ Hackman Call Out Wall Street’s Favorite Trick on Retirees

Coach Pete and the Rock on Retirement crew crank the volume on the real issues that can make—or break—your retirement. This episode dives straight into the most common retirement pitfalls, how lifestyle changes can quietly wreck a plan, and why waiting too long to get serious about your finances is one of the biggest mistakes people make. If you want straight talk, no fluff, and a smarter way to adapt your strategy before it’s too late, this episode hits all the right notes.

Coach Pete and the Rock on Retirement crew crank the volume on the real issues that can make&mdash;or break&mdash;your retirement. This episode dives straight into the most common retirement pitfalls, how lifestyle changes can quietly wreck a plan, and why waiting too long to get serious about your finances is one of the biggest mistakes people make. If you want straight talk, no fluff, and a smarter way to adapt your strategy before it&rsquo;s too late, this episode hits all the right notes.

The Retirement Red Zone: Moves You Can’t Afford to Miss

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