The Retirement Reality Report
The Retirement Reality Report
As a certified financial planner for 35 years, Marc Linsky has been helping clients to and through the retirement process. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy.Social links:
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The Retirement Assumptions That Don’t Age Well
Assumptions feel harmless—until retirement puts them to the test. In this episode, Dylan and David Linsky break down the common beliefs people hold about longevity, expenses, taxes, inflation, and income planning, and why those assumptions often miss reality. The conversation explores why expenses …
11:13Clean
The RMD Mistake That Catches Retirees Off Guard
Missing an RMD can cost far more than most retirees realize. In this episode, the Linskys break down required minimum distributions, how the rules changed under SECURE Act 2.0, and why mistakes are more common than people think. The conversation explores inherited IRAs, RMD penalties, and how tax p…
12:35Clean
When Retirement Has to Last 30 Years
Living longer changes everything about retirement—and many plans aren’t built to handle it. In this episode, Dylan and David Linsky explore how increased life expectancy reshapes retirement income, tax strategy, and long‑term care planning. The discussion walks through planning for multiple phases …
11:24Clean
Why Everyone Loves the Idea of Annuities—But Hates the Word
Annuities get a strong reaction—but most people don’t actually know what the word means. In this episode, The Linskys break down why annuities are so widely misunderstood and how different types work inside a retirement plan. The conversation clarifies the differences between fixed, fixed indexed, …
12:43Clean
Your Retirement Super Bowl: Do You Have a Real Game Plan?
You don’t win a Super Bowl by winging it—and retirement works the same way. The Linsky family uses football analogies to explain why a pie chart and a withdrawal rule aren’t a real retirement plan. This episode breaks down income gaps, asset roles, and the importance of assigning purpose to every d…
11:47Clean
The Retirement Money You Forgot You Had
What if part of your retirement savings is hiding in plain sight? In this episode, The Linskys discuss the growing problem of forgotten 401(k)s and overlooked accounts—and how disorganization can quietly drain confidence and clarity. The conversation covers why forgotten assets are becoming more co…
11:59Clean
The Retirement Choices Most People Don’t Realize They Have
Retirement decisions don’t happen in a vacuum—and pensions, Social Security, and taxes rarely line up the same way twice. The Linskys walk through real retirement scenarios that show why understanding your options matters more than following old rules of thumb. From choosing between pension payouts…
11:55Clean
The Tax Breaks Retirees Lose Without Realizing It
What if your tax bill in retirement is shaped more by the rules you don’t know than the ones you do? In this episode, The Linsky Family breaks down the newest tax‑code changes affecting retirees in 2026 — from expanded deductions and senior tax breaks to Social Security taxation, IRMAA consideratio…
11:51Clean
The Income Gap Mistake Retirees Don’t See Coming
What happens when interest rates fall but markets keep climbing? In this episode, the Linsky family breaks down how retirees can adapt as yields shift, tax rules change, and income needs evolve. They explain why covering your income gap is the foundation of any retirement plan, how bond laddering w…
10:50Clean
The Estate Planning Myth That Misleads Most Retirees
What if the “magic number” for needing a will or trust is far lower than you think? Marc, Dylan, and David Linsky explore why estate planning isn’t just for the ultra‑wealthy and how goals, assets, and legacy wishes shape the right plan. They share real‑world examples, including how charitable tool…
09:39Clean