Is your 401(k) truly ready to support you for the next twenty years, or are hidden tax traps and market volatility waiting to derail your future? In this episode of The Retirement Spectrum, Alan Cohen explores why reaching age 73 could mean a surprise bill from Uncle Sam and how a Roth conversion might be your best defense against rising deficits. From the "buy the dip" myth to the power of dividend growth, learn how to build a resilient, tax-efficient portfolio that outlasts inflation without the anxiety of market timing.

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

Is your 401(k) truly ready to support you for the next twenty years, or are hidden tax traps and market volatility waiting to derail your future? In this episode of The Retirement Spectrum, Alan Cohen explores why reaching age 73 could mean a surprise bill from Uncle Sam and how a Roth conversion might be your best defense against rising deficits. From the "buy the dip" myth to the power of dividend growth, learn how to build a resilient, tax-efficient portfolio that outlasts inflation without the anxiety of market timing.
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.

The Retirement Spectrum

The RMD Trap: Why Your Growing 401(k) Might Cost You More

Stop letting market headlines dictate your financial future while the "noise" of volatile cycles keeps you awake at night. In this episode of The Retirement Spectrum, Alan Cohen breaks down why the current bull market may have more room to run and how to shield your portfolio from the inevitable 10% drawdowns. From the power of "refinancing" older annuities for higher income to the critical importance of tax efficiency before RMDs kick in, Alan provides a roadmap for turning market volatility into a managed toll for growth. Learn how to identify "dead money" and build a predictable paycheck for life.

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

Stop letting market headlines dictate your financial future while the "noise" of volatile cycles keeps you awake at night. In this episode of The Retirement Spectrum, Alan Cohen breaks down why the current bull market may have more room to run and how to shield your portfolio from the inevitable 10% drawdowns. From the power of "refinancing" older annuities for higher income to the critical importance of tax efficiency before RMDs kick in, Alan provides a roadmap for turning market volatility into a managed toll for growth. Learn how to identify "dead money" and build a predictable paycheck for life.
To learn more about Alan and the team at Spectrum Wealth Partners, go to <a href="https://www.spectrumwp.com/">www.spectrumwp.com</a>.

Panic is Not a Strategy: Navigating Bull Markets and Media Noise

Are you sprinting toward the retirement starting line or cautiously tiptoeing into the unknown? On this episode of The Retirement Spectrum, Alan Cohen breaks down why the "Sell in May" myth rarely holds up and how to build a paycheck that lasts. From the power of dividend aristocrats to the math behind Roth conversions, we explore how to turn your savings into a reliable income stream. Whether you’re navigating social security timing or looking for tax efficiency, discover how a written plan provides the clarity and confidence needed to enjoy your next chapter.

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

Are you sprinting toward the retirement starting line or cautiously tiptoeing into the unknown? On this episode of The Retirement Spectrum, Alan Cohen breaks down why the "Sell in May" myth rarely holds up and how to build a paycheck that lasts. From the power of dividend aristocrats to the math behind Roth conversions, we explore how to turn your savings into a reliable income stream. Whether you&rsquo;re navigating social security timing or looking for tax efficiency, discover how a written plan provides the clarity and confidence needed to enjoy your next chapter.
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 "Sell in May" Myth and Your Retirement Paycheck

Imagine walking away from your career only to find the "finish line" for your savings keeps moving further away. In this episode of The Retirement Spectrum, Alan Cohen explores how to manage market volatility and the anxiety of outliving your money. Using a clever baseball metaphor, Alan explains why hitting "singles and doubles" with dividends and bonds is often more effective than swinging for home runs. From navigating geopolitical shifts to implementing a three-bucket withdrawal strategy, learn how to turn a complex financial transition into a predictable, lifelong paycheck.

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

Imagine walking away from your career only to find the "finish line" for your savings keeps moving further away. In this episode of The Retirement Spectrum, Alan Cohen explores how to manage market volatility and the anxiety of outliving your money. Using a clever baseball metaphor, Alan explains why hitting "singles and doubles" with dividends and bonds is often more effective than swinging for home runs. From navigating geopolitical shifts to implementing a three-bucket withdrawal strategy, learn how to turn a complex financial transition into a predictable, lifelong paycheck.
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 RMD Trap: Why Your Growing 401(k) Might Cost You More

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