Is there a "right time" to take your Social Security? Alan discusses the timing of benefits, the impact of health and family history, and strategies for maximizing retirement income. 

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

Is there a "right time" to take your Social Security? Alan discusses the timing of benefits, the impact of health and family history, and strategies for maximizing retirement income.&nbsp;
To learn more about Alan and the team at Spectrum Wealth Partners, go to&nbsp;<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

When is the right time to take your Social Security?

Your portfolio can become riskier without you lifting a finger—a phenomenon known as "portfolio drift." In this look-back at 2025 and forecast for 2026, Alan Cohen explains how three years of double-digit returns may have left you overexposed to market volatility. We explore the "super catch-up" contributions for those 60–63, the new $12,000 senior tax deduction, and why sticky inflation makes "safe money" strategies like buffered investments and protective growth annuities more attractive than ever. It is time to rebalance, de-risk, and ensure your income lasts as long as you do.

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

Your portfolio can become riskier without you lifting a finger&mdash;a phenomenon known as "portfolio drift." In this look-back at 2025 and forecast for 2026, Alan Cohen explains how three years of double-digit returns may have left you overexposed to market volatility. We explore the "super catch-up" contributions for those 60&ndash;63, the new $12,000 senior tax deduction, and why sticky inflation makes "safe money" strategies like buffered investments and protective growth annuities more attractive than ever. It is time to rebalance, de-risk, and ensure your income lasts as long as you do.
To learn more about Alan and the team at Spectrum Wealth Partners, go to <a href="https://www.spectrumwp.com/">www.spectrumwp.com</a>.

2026 Forecast: Tariffs, Tech Bubbles, and the New Tax Breaks

Are you relying on outdated financial rules like the 4% withdrawal strategy or a fixed retirement age? Discover why your retirement plan needs an update and how to create reliable income streams. This episode dives into the market's current volatility, the looming threat to Social Security, the big mistake most people make with Required Minimum Distributions (RMDs), and the key role annuities and tax-advantaged strategies play in guaranteeing your "paycheck" for life. Learn how to navigate the modern retirement landscape and stop losing money to hidden taxes and penalties.

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

Are you relying on outdated financial rules like the 4% withdrawal strategy or a fixed retirement age? Discover why your retirement plan needs an update and how to create reliable income streams. This episode dives into the market's current volatility, the looming threat to Social Security, the big mistake most people make with Required Minimum Distributions (RMDs), and the key role annuities and tax-advantaged strategies play in guaranteeing your "paycheck" for life. Learn how to navigate the modern retirement landscape and stop losing money to hidden taxes and penalties.
To learn more about Alan and the team at Spectrum Wealth Partners, go to <a href="https://www.spectrumwp.com/">www.spectrumwp.com</a>.

Mariah Carey’s Secret: Building "Royalty Income" for Your Retirement

You’ve been great at saving, but how do you make that money last for 30 years? Alan Cohen breaks down the week's financial news, focusing on the essential steps for retirement success. Learn about key topics like protecting your nest egg against market downturns, securing guaranteed lifetime income, and the crucial differences between Traditional vs. Roth 401k plans. Get expert insight on de-risking your portfolio, dealing with taxes in retirement, and the importance of having a robust income strategy.

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

You&rsquo;ve been great at saving, but how do you make that money last for 30 years? Alan Cohen breaks down the week's financial news, focusing on the essential steps for retirement success. Learn about key topics like protecting your nest egg against market downturns, securing guaranteed lifetime income, and the crucial differences between Traditional vs. Roth 401k plans. Get expert insight on de-risking your portfolio, dealing with taxes in retirement, and the importance of having a robust income strategy.
To learn more about Alan and the team at Spectrum Wealth Partners, go to <a href="https://www.spectrumwp.com/">www.spectrumwp.com</a>.

When is the right time to take your Social Security?

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