Best Alex Murguia Podcasts (2024)

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Episode 151: Financial Strategies for Early Retirement 42:40

1h ago42:40

42:40

In this episode of 'Retire with Style', hosts Alex Murguia and Wade Pfau with Jessica Wunder from McLean Asset Management delve into the complexities of early withdrawals from retirement accounts, specifically IRAs and 401(k)s. They discuss the penalties associated with early withdrawals, the Rule of 55, and various exceptions allowing penalty-free…

1
Episode 150: Lump Sum or Annuity: What’s Right for You? 54:15

16h ago54:15

54:15

In this episode of 'Retire with Style', Wade and Alex discuss the complexities of pension decisions with Jason Rizkallah from McLean Asset Management. The conversation delves into the critical choices retirees face regarding pension options, including whether to take a lump sum or annuity payment, the implications of each choice, the importance of …

1
Episode 149: The Various Aspects of Tax Planning 47:06

8d ago47:06

47:06

In this episode of 'Retire with Style', Wade and Alex delve into various aspects of tax planning, focusing on strategies such as front-loading taxes, tax loss harvesting, and deduction bunching. They discuss the implications of tax filing status changes, particularly for surviving spouses, and the impact of the Secure Act on inherited IRAs. The con…

51
Episode 148: Tax-Efficient Income Stacking 28:06

15d ago28:06

28:06

In this episode of 'Retire with Style', Wade and Alex discuss the complexities of tax-efficient retirement planning, focusing on understanding preferential income, tax brackets, and the implications of additional income on tax rates. They explore the net investment income tax, strategic Roth conversions, and the significance of timing in retirement…

1
Episode 147: Navigating Medicare and Tax Planning 37:51

1M ago37:51

37:51

In this episode, Alex Murguia and Wade Pfau delve into the complexities of tax planning related to healthcare, focusing on Medicare premiums and the implications of income on these costs. They discuss the Income Related Monthly Adjustment Amount (IRMA) and how it affects Medicare premiums, emphasizing the significant impact of seemingly small incre…

1
Episode 146: The Concept of the 'Tax Torpedo' 31:58

1M ago31:58

31:58

In this episode of 'Retire with Style', hosts Alex Murguia and Wade Pfau delve into the concept of the 'tax torpedo', a phenomenon affecting the taxation of Social Security benefits. They explore how increased taxable income can lead to a significant rise in the percentage of Social Security benefits that are taxed, particularly for middle-class re…

1
Episode 145: Mastering Tax-Efficient Withdrawals 38:59

2M ago38:59

38:59

In this episode of 'Retire with Style', Alex Murguia and Wade Pfau delve into tax-efficient withdrawal strategies for retirement. They discuss the importance of withdrawal order sequencing, the types of accounts available for withdrawals, and effective marginal tax rate management. The conversation highlights techniques for generating taxable incom…

1
Episode 144: Understanding the Rules of RMDs 31:01

2M ago31:01

31:01

In this episode of 'Retire with Style', Alex and Wade delve into the intricacies of Required Minimum Distributions (RMDs). They discuss the calculations involved, the implications of RMDs on retirement planning, and the recent changes introduced by Secure Act 2.0. The conversation also covers the consequences of failing to take RMDs, the aggregatio…

1
Episode 143: The Importance of Asset Location and Asset Allocation 40:20

2M ago40:20

40:20

In this episode, Alex and Wade discuss the importance of asset location in addition to asset allocation. They explain that asset location involves strategically placing assets in different types of accounts based on their tax efficiency. They discuss the tax efficiency spectrum, with tax-exempt bonds being the most tax efficient and REITs being the…

1
Episode 142: Tax-Efficient Retirement Strategies 51:40

2M ago51:40

51:40

In this episode, Alex and Wade discuss tax-efficient retirement strategies, specifically focusing on tax diversification. They explain the three broad types of tax treatments in the tax code: taxable accounts, tax-deferred accounts (such as IRAs and 401ks), and tax-exempt accounts (such as Roth IRAs). They highlight the importance of having assets …

1
Episode 141: Tax-Efficient Retirement Distributions 53:56

3M ago53:56

53:56

In this episode, Alex and Wade introduce a new arc on tax-efficient retirement distributions. They discuss the importance of tax planning and how it can add value to your bottom line. They explain the concept of marginal tax rates and how they differ from average tax rates. They also touch on state income taxes, filing options, and the different fe…

1
Episode 140: Are you ready for our Retirement Income Challenge? Join us as we begin next week. 44:27

3M ago44:27

44:27

The Retirement Income Challenge is a four-day event that helps individuals create a retirement income plan. Day one focuses on the Retirement Income Style Assessment (RISA), which analyzes two factors: probability-based safety first and optionality versus commitment. Day two introduces the funded ratio, a balance sheet approach to financial plannin…

1
Episode 139: What to expect in Retirement 46:39

3M ago46:39

46:39

In this episode, Alex, Wade, and Jason discuss what to expect in retirement. They cover several major lifestyle changes that occur during retirement, including the loss of work identity, increases in unstructured time, changes in social connections, shifts in physical health, adjustments in daily routines, and the need for financial planning. They …

1
Episode 138: The Meaning of Retirement 44:01

3M ago44:01

44:01

In this episode, Wade, Alex, and Jason discuss the meaning of retirement and the factors to consider when deciding on a retirement date. They explore the idea that retirement is not just about leisure activities like golfing, but also about personal goals and relationships. They also touch on the possibility of working in retirement and the importa…

1
Episode 137: The Evolution of Messaging in the Financial Advisory Industry 51:36

3M ago51:36

51:36

In this episode, Wade and Alex discuss the evolution of messaging in the financial advisory industry and the importance of retirement income planning. They highlight the transition from brokers to investment managers to wealth managers and the shift from accumulation to decumulation. They emphasize the need for comprehensive financial planning that…

1
Episode 136: Personal Values Investing - Understanding and Using ESG Investments in Your Portfolio 44:33

4M ago44:33

44:33

In this conversation, Bob French and Rob Cordeau discuss ESG (Environmental, Social, and Governance) investing and its growing popularity. They explore the different ways investors can align their portfolios with their personal values and beliefs. They also address common misconceptions about ESG investing, such as it being solely for liberal inves…

1
Episode 135: RISA® in Action with James Matthews 59:44

4M ago59:44

59:44

In this conversation, Wade Pfau, Alex Murguia, and James Matthews discuss retirement income and the Retirement Income Style Awareness (RISA) framework. James shares his background in the retirement income space and his realization that traditional retirement planning advice was lacking. The conversation touches on the limited investment options in …

1
Episode 134 YouTube Live Q&A (not really): Answering Your Questions about Portfolio Allocation in Retirement 36:14

4M ago36:14

36:14

In this episode, Wade and Alex answer listener questions about portfolio allocation in retirement. They discuss the impact of low yields on TIPS and how it affects a retiree's portfolio. They also explore the optimal allocation of assets in taxable, tax-deferred, and tax-avoided accounts. Additionally, they address the role of annuities in retireme…

1
Episode 133: YouTube Live Q&A (not really): Answering Your Retirement Planning Questions with Rob Cordeau 40:49

4M ago40:49

40:49

In this episode, Alex, Wade and Rob answer listener questions about retirement planning. They discuss topics such as asset allocation, selling RSUs, managing sequencing risk, and when to claim Social Security. They provide insights on diversification, tax implications, and the importance of considering both sequence risk and concentration risk. The…

1
Episode 132: YouTube Live Q&A (Part 3) 35:02

5M ago35:02

35:02

In this conversation, Alex Murguia and Wade Pfau discuss various topics related to retirement planning, including glide paths, asset allocation, index funds, and tax planning. They address questions about implementing a rising equity glide path, asset allocation across different types of accounts, the performance of index funds, and the availabilit…

1
Episode 131: The Impact of the Election on the Stock Market and Retirement Planning 47:35

5M ago47:35

47:35

In this conversation, Alex and Bob discuss the impact of the election on the stock market and retirement planning. They emphasize the importance of looking at historical data and not getting caught up in the rhetoric and uncertainty of the election cycle. They also highlight the recency effect and how campaigns are information machines that can inf…

1
Episode 130: YouTube Live Q&A (Part 2) 51:57

5M ago51:57

51:57

In this episode, the conversation covers various aspects of long-term care, including qualifying for long-term care insurance, alternative options for funding long-term care, and the role of Medicaid. Alex and Wade also discuss the importance of planning for long-term care and the potential challenges faced by individuals who cannot afford to pay f…

1
Episode 129: YouTube Live Q&A (Part 1) 43:37

5M ago43:37

43:37

In this conversation, Wade Pfau and Alex Murguia discuss retirement planning and how to determine how much can be spent from a portfolio without running out of money. They touch on the use of Monte Carlo simulations and the funded ratio approach. They also highlight the limitations of Monte Carlo simulations and the importance of considering the ma…

1
Episode 128: Long-Term Care Planning (Part 12): The Different Features of Long-Term Care Planning 53:16

6M ago53:16

53:16

In this episode, Wade and Alex discuss the different features of long-term care insurance. They cover topics such as waiting periods, benefit periods, benefit amounts, inflation adjustments, and methods of payment. They also touch on the administrative aspects of managing long-term care insurance and qualifying expenses. In this conversation, Alex …

1
Episode 127: Long-Term Care Planning (Part 11): Traditional Long-Term Care Insurance Policies 48:42

6M ago48:42

48:42

In this conversation, Alex and Wade discuss traditional long-term care insurance policies. They address the declining popularity of these policies and the shift towards hybrid policies. They also cover topics such as premium payments, care coordinators, and the importance of starting early with long-term care planning. Wade emphasizes the need to r…

1
Episode 126: Long- Term Care Planning (Part 10): Medicaid as A Funding Source 32:36

6M ago32:36

32:36

In this episode, Wade and Alex discuss Medicaid as a funding source for long-term care. They touch on the importance of Medicaid planning and the different rules and qualifications that vary from state to state. They also highlight the need for specialized elder law attorneys to navigate the complexities of Medicaid. Wade shares his personal experi…

1
Episode 125: The Importance of Incorporating Long-Term Care Into Financial Planning with Jason Rizkallah 45:00

6M ago45:00

45:00

In this conversation, Alex, Wade, and Jason discuss the importance of incorporating long-term care into financial planning. They share a real-life example of a client who unexpectedly needed long-term care earlier than anticipated and how having a long-term care policy helped preserve their assets. They also discuss the different types of long-term…

1
Episode 124: Insights into Continuing Care Retirement Communities with Rob Cordeau 49:22

6M ago49:22

49:22

In this episode, Wade Pfau and Alex Murguia are joined by Rob Cordeau to discuss Continuing Care Retirement Communities (CCRCs). They provide an overview of what CCRCs are and how they relate to long-term care planning. They also explore how CCRCs can be an alternative to long-term care insurance and the different financing models for CCRCs. The co…

1
Episode 123: The Importance of Long-Term Care Planning in Retirement with Neal Gordon 40:45

7M ago40:45

40:45

In this conversation, Alex, Wade, and Neal discuss the importance of long-term care planning in retirement. They highlight the emotional aspect of planning for long-term care and the challenges of getting people to think about and prepare for it. They also discuss the demographic changes that will impact long-term care, such as the decreasing ratio…

1
Episode 122 : Thinking Like A (Financial) Economist 54:34

7M ago54:34

54:34

In this conversation, Bob French interviews his father, Ken French, a professor of finance, about key concepts in economics and investing. They discuss the concept of marginal cost and marginal revenue, which helps individuals make decisions based on the balance between costs and benefits. They also explore risk aversion and how it affects investme…

1
Episode 121: The Importance of Adult Daycare Centers with Jackie Smiertka 56:40

7M ago56:40

56:40

Jackie Smiertka, the owner of Quality of Life Adult Daycare Health Care Center, shares her journey of opening an adult daycare center and the importance of providing purpose and meaning to individuals as they age. She emphasizes the need for a medical model daycare that offers both medical care and engaging activities. Jackie also discusses the cha…

1
Episode 120: The Role of IMOs with Dennis Mattern 1:00:03

7M ago1:00:03

1:00:03

In this episode, Wade Pfau and Alex Murguia interview Dennis Mattern from Creative One about the role of Independent Marketing Organizations (IMOs) in the financial industry. They discuss the difference between captive and independent advisors, the services provided by IMOs, and the importance of infrastructure for advisors. They also explore the m…

1
Episode 119: Options for Funding Long-Term Care Expenses (Part 5) 46:07

7M ago46:07

46:07

In this episode, Alex and Wade discuss options for funding long-term care expenses. They start by clarifying that Medicare is not a long-term care funding option, as it is for health-related issues. The four main funding options they cover are self-funding, Medicaid, traditional long-term care insurance, and hybrid policies. They focus on self-fund…

1
Episode 118: Long-Term Care Planning: Nursing Homes and CCRCs (Part 4) 33:39

8M ago33:39

33:39

In this episode, Wade and Alex continue their discussion on long-term care, focusing on nursing homes and continuing care retirement communities (CCRCs). They also touch on hospice care and the importance of having a power of attorney in place. They highlight the need to carefully review contracts and consider the financial strength of CCRCs. Liste…

1
Episode 117: The Continuum of Long-Term Care Planning (Part 3) 51:44

8M ago51:44

51:44

In this episode, Alex and Wade discuss the continuum of long-term care, focusing on the different levels of care and the importance of planning for aging in place. They explain the distinction between skilled care and custodial care, and the role of geriatric care managers and care coordinators in navigating long-term care decisions. The hosts also…

1
Episode 116: Costs and Prevalence of Long-Term Care Planning (Part 2) 44:59

8M ago44:59

44:59

In this episode, Wade and Alex discuss the costs and prevalence of long-term care. They explore the probabilities of needing long-term care and the average lengths of care for men and women. They also differentiate between any long-term care needs and paid long-term care needs. The conversation provides insights into the importance of planning for …

1
Episode 115: Intro to Long-Term Care Planning 40:12

8M ago40:12

40:12

In this episode, Wade and Alex introduce the long-awaited arc on long-term care planning. They discuss the importance of planning for long-term care and the impact it can have on retirement. They define what a long-term care need is and explain the activities of daily living (ADLs) that determine eligibility for long-term care benefits. They also h…

1
Episode 114: RWS Live (not really): Answering Your Safe Withdrawal Rate & Annuity Questions (Part 8) 39:04

9M ago39:04

39:04

In this episode, Alex and Wade answer questions on safe withdrawal rates, annuities, and retirement planning. They discuss the considerations for investing in a Qualified Longevity Annuity Contract (QLAC) and the difference between immediate and deferred annuities. They also explore the use of Single Premium Immediate Annuities (SPIAs) in combinati…

1
Episode 113: RWS Live (not really): Answering Your RISA and Asset Allocation Questions (Part 7) 53:07

9M ago53:07

53:07

In this episode, Wade and Alex discuss various topics related to retirement planning and investment strategies. They address questions about reconciling portfolio structure when spouses have different orientations, allocating between growth and value stocks, estimating healthcare expenses in retirement, investing in high-yielding stocks, using clos…

1
Episode 112: RWS Live (not really): Answering Your Reverse Mortgage Questions (Part 6) 32:08

9M ago32:08

32:08

In this episode, Wade and Alex discuss housing and reverse mortgages. They address the issue of pirated books on Amazon and warn listeners to ensure they are purchasing the legitimate copy of the Retirement Planning Guidebook! They then delve into the topic of using retirement savings for purchasing a house and the potential drawbacks of relying so…

1
Episode 111: RWS Live (not really): Answering Your Social Security Questions (Part 5) 34:25

9M ago34:25

34:25

In this episode, Alex and Wade answer various Social Security questions from their listeners. They discuss the limitations of online Q&A and the importance of seeking professional advice for personalized financial planning. They also address the availability of tools for running hypotheticals on Social Security claiming strategies. The hosts delve …

1
Episode 110: RWS Live (not really): Answering Your Tax-Planning Questions (Part 4) 39:09

10M ago39:09

39:09

In this episode, Alex and Wade discuss various tax planning strategies for retirement. They announce a webinar on tax-efficient retirement distributions and highlight the importance of the Retirement Planning Guidebook. They address the impact of taxes on deferred accounts versus non-qualified accounts, including the implications for Social Securit…

1
Episode 109: RWS Live (not really): Answering Your Questions (Part 3) 46:38

10M ago46:38

46:38

Wade and Alex are back this week answering more of your questions! This week, we tackle retirement spending and withdrawal rates, the benefits of delaying Social Security and survivor benefits, the concept of replacement ratios for retirement income, the use of annuities for retirement income, the impact of future tax rates and national debt, and t…

1
Episode 108: RWS Live (not really): Answering Your Questions (Part 2) 48:16

10M ago48:16

48:16

This week on Retire With Style, we are back to continue working through your questions! Wade and Alex tackle another array of topics including pros and cons of Deferred Annuities, couples retiring at different times, MIGA Bonds, Index Funds and much more. We are having a great time with these and hope you all are finding this useful. You've certain…

1
Episode 107: RWS Live: New Years Q&A (Part 1) 54:55

10M ago54:55

54:55

This week on a special YouTube Live episode of Retire With Style, Wade and Alex are skipping the small talk to take on some of the questions you submitted over the last week. We cover a range of topics from how to handle the RIO Map (Retirement Income Optimization) to the efficiency of Annuity Portfolios and more! We got a ton of great questions fr…

1
[Best of 2023 Repost] Ep 63: Should I Wait or Should I Go - A Look at Arguments For and Against Delaying Social Security Claiming 1:02:29

10M ago1:02:29

1:02:29

Well - looks like Alex and Wade have had a little more fun than expected on New Year's, so let's cozy up next to the fire and throwback to one of our favorite topics - Social Security claiming strategy (specifically Ep. 63). But we're going to (belatedly) kick off 2024 with a bang - On Monday, January 8th at 1:00 PM ET, Wade and Alex will be hostin…

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[Best of 2023 Repost] Ep.53: How do the Financial Markets Work? 50:37

11M ago50:37

50:37

With the New Year coming up quick, we wanted to highlight some of our best episodes to round out 2023. And we've saved the best for last! This week we'll be revisiting our conversation about how the financial markets work and why you (and your retirement plan) care (originally Episode 53). We'll be back with brand new episodes after the holiday sea…

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[Best of 2023 Repost] Ep. 60: The Retirement Planning Guidebook- Helping you find the path to a great retirement 55:11

11M ago55:11

55:11

With the New Year coming up quick, we wanted to highlight some of our best episodes to round out 2023. This week we'll be revisiting our conversation about the release of the 2nd Edition of Wade's Retirement Planning Guidebook and how to set up the foundations of your retirement plan (originally Episode 60). We'll be back with brand new episodes af…

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[Best of 2023 Repost] Ep. 65 The Ins, Outs, and everything in between of Social Security Claiming Strategies with Mary Beth Franklin 1:02:33

11M ago1:02:33

1:02:33

With the New Year coming up quick, we wanted to highlight some of our best episodes to round out 2023. This week we'll be revisiting our conversation with Mary Beth Franklin on Social Security claiming strategies (originally Episode 65). We'll be back with brand new episodes after the holiday season! Thanks for listening - and we'll see you in 2024…

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Episode 106: A reimagined approach to funding retirement income. 38:59

11M ago38:59

38:59

In this episode we sit down with Rebecca Meskin & Cara Reisman from Blackrock to discuss a paper we collaborated on; A reimagined approach to funding retirement income: Defining individual styles and solutions using the RISA® framework. During the conversation, we illustrate how the RISA framework can help individuals approaching retirement underst…

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