Could you be sacrificing your best years for a bigger paycheck that arrives too late? Alan Cohen dives into the reality of the 2026 market, where surging S&P valuations meet rising midterm volatility. We explore why guaranteed income is the secret to spending 44% more in retirement and how to "refinance" old annuities for higher payouts in today’s high-rate environment. Plus, we expose a $5,000 tax scam and discuss the heartbreaking lesson of a retiree who waited until 70 to claim Social Security, only to realize that money can’t buy back youth.

To learn more about Alan and the team at Spectrum Wealth Partners, go to www.spectrumwp.com.

Could you be sacrificing your best years for a bigger paycheck that arrives too late? Alan Cohen dives into the reality of the 2026 market, where surging S&amp;P valuations meet rising midterm volatility. We explore why guaranteed income is the secret to spending 44% more in retirement and how to "refinance" old annuities for higher payouts in today&rsquo;s high-rate environment. Plus, we expose a $5,000 tax scam and discuss the heartbreaking lesson of a retiree who waited until 70 to claim Social Security, only to realize that money can&rsquo;t buy back youth.
To learn more about Alan and the team at Spectrum Wealth Partners, go to <a href="https://www.spectrumwp.com/">www.spectrumwp.com</a>.

“The Retirement Spectrum with Alan Cohen” is a true Philadelphia look at the issues of retirement. Alan was born and raised in Philly and even named his company after one of his favorite places in the world: The Spectrum. Alan calls himself “a recovering stockbroker” – after spending years helping people accumulate wealth, he is now focused on helping people protect, grow, and use that wealth in retirement. Our podcast topics range from understanding the stock market, advice on 401(k)s, Social Security, tax planning, and more. And you may hear a mention of Springsteen now and then as Alan has seen Bruce over 200 times! Retirement offers a vast array of ways to plan for and enjoy this exciting part of your life. It truly is a Retirement Spectrum.

“The Retirement Spectrum with Alan Cohen” is a true Philadelphia look at the issues of retirement. Alan was born and raised in Philly and even named his company after one of his favorite places in the world: The Spectrum. Alan calls himself “a recovering stockbroker” – after spending years helping people accumulate wealth, he is now focused on helping people protect, grow, and use that wealth in retirement. Our podcast topics range from understanding the stock market, advice on 401(k)s, Social Security, tax planning, and more. And you may hear a mention of Springsteen now and then as Alan has seen Bruce over 200 times! Retirement offers a vast array of ways to plan for and enjoy this exciting part of your life. It truly is a Retirement Spectrum.