Best Alex Murguia Podcasts (2024)

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

2d 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…

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

9d 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

16d 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…

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

23d 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…

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

28d 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…

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

1M 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…

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

1M 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

1M 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…

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

2M 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

2M 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…

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

2M 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

2M 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

3M 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

3M 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

3M 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

3M 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…

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

4M 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…

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

4M 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…

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[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

4M 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

4M 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

5M 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

5M 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

5M 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…

1
Episode 105: Managing Taxes in Retirement using the Effective Marginal Tax Rate 51:08

5M ago51:08

51:08

Tax planning is the topic du jour for this week, as Wade and Alex discuss a recent article from Advisor Perspectives that Wade wrote with Joe Elsasser from Covisum. Wade describes the effective marginal tax rate approach for managing Roth conversions and taxable distributions in retirement. This matters because of the nonlinearities facing retirees…

1
Episode 104: Year End Planning Considerations 47:42

5M ago47:42

47:42

Wade and Alex discuss with Rob Cordeau, CFP®, RICP®, CHFC®, the most frequently dealt with year-end planning topics that he discusses with clients. As we near the end of year, there are various deadlines that should be addressed to help maximize your investment and planning experience. In addition, as you get a better sense of your income and tax b…

1
Episode 103: Using RISA® Framework to find the right retirement plan strategy between spouses 54:16

6M ago54:16

54:16

In today's episode, we discuss how married couples frequently do not have the same retirement income style and how the RISA® Framework is used to identify solutions so that both individuals can feel confident with a retirement plan that satisfies both retirement styles. Currently, simply “splitting the difference” on an investment portfolio allocat…

1
Episode 102: Practical Implementation of Time Segmentation with Rob Cordeau 47:44

6M ago47:44

47:44

On today's episode, Alex and Wade are joined by Rob Cordeau, CFP, RICP, ChFC, who is the Managing Director of Wealth Management at McLean Asset Management. He shares insights into how Time Segmentation strategies can be implemented in practice, and he comes with a lot of great analogies to help you think about whether this Retirement Income Style i…

1
Episode 101: Uncovering How Time Segmentation Actually Works 44:33

6M ago44:33

44:33

Critics of Time Segmentation and bucketing have questioned whether there is any there, there. A big part of this relates to how Time Segmentation methods decide when to re-fill the short-term spending buckets. In today's episode, Wade and Alex discuss three proposed re-fill methods and describe how one may make things worse, how one is more in the …

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Episode 100: YouTube Live Q&A w/ Bob French (Part 2) 41:47

6M ago41:47

41:47

Last week on Retire With Style, we decided to do something a bit special to celebrate this major milestone of 100 episodes and we invited our frequent flyer, Bob French along for the ride. We hosted a special Q&A session on YouTube Live where we answered your burning retirement planning questions live on air! Listen now to hear Part 2 of the live s…

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Episode 100: YouTube Live Q&A w/ Bob French (Part 1) 44:18

7M ago44:18

44:18

It's an occasion to celebrate! This week on Retire With Style, we decided to do something a bit special to celebrate this major milestone of 100 episodes and we invited our frequent flyer, Bob French along for the ride. We hosted a special Q&A session on YouTube Live where we answered your burning retirement planning questions live on air! We are b…

1
Episode 99: Time Segmentation as a Retirement Income Strategy 38:08

7M ago38:08

38:08

In today's episode, Wade and Alex begin their arc on Time Segmentation (i.e., Bucketing) as part of a viable retirement income strategy within the RISA® framework. To start off, we discuss the pros and cons of time segmentation and how it addresses the optionality and safety-first component within one’s RISA® style. In addition, we address some pop…

1
Episode 98: RISA® Styles and Inflation Management 59:03

7M ago59:03

59:03

This week we finish our inflation quadrilogy with Bob French of Retirement Researcher. In previous episodes, we have talked about the different tools at our disposal to deal with inflation, but now we need to look at how to use those tools. Using the different RISA® styles as our guide, we discuss how you can deal with inflation risk in your own re…

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Episode 97: Using Reliable Income to Manage Inflation 45:59

7M ago45:59

45:59

This week on Retire With Style, Wade and Alex are joined (yet again) by Bob French, of Retirement Researcher, to look at how you can use reliable income sources (even beyond your Social Security benefits) to deal with inflation. Using reliable income to manage inflation risk is a little bit more complicated than using your investments, but it does …

1
Episode 96: Using Investments to Manage Inflation 48:10

8M ago48:10

48:10

In today's episode, Bob French joins Alex and Wade again to continue their conversation on managing inflation and it's effects on your retirement income plan. This week they look at how you can use your investment portfolio to counteract the effects of inflation. In addition, we look at some of the common inflation "hedges" that just don't work. Li…

1
Episode 95: Understanding Inflation 45:25

8M ago45:25

45:25

Wade and Alex are joined by Bob French, of Retirement Researcher, to talk about inflation. Inflation is one of the biggest risks that retirees face, so it's important to understand what inflation actually is, and how it works. In addition, we'll talk about what inflation might look like going forward - plus the Presidential campaign of 1896. Listen…

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Episode 94: Understanding an Advisor’s ADV Part 2 brochure to evaluate how an advisor may work with you - Part3. 35:29

8M ago35:29

35:29

Alex and Ryan continue to discuss McLean’s ADV Part 2. It is the SEC-mandated document that an advisor provides to prospects and to existing clients at least once a year. The ADV Part 2 serves as your user manual for working with your advisor. We use McLean’s ADV to serve as a baseline for these episodes. In this episode, we discuss: An advisor’s c…

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Episode 93: Understanding an Advisor’s ADV Part 2 brochure to evaluate how an advisor may work with you - Part 2. 36:01

8M ago36:01

36:01

Alex and Ryan continue to discuss McLean’s ADV Part 2. It is the SEC-mandated document that an advisor provides to prospects and to existing clients at least once a year. The ADV Part 2 serves as your user manual for working with your advisor. We use McLean’s ADV to serve as a baseline for these episodes. In this episode, we discuss: The types of c…

1
Episode 92: Understanding an Advisor’s ADV Part 2 brochure to evaluate how an advisor may work with you - Part 1. 48:35

9M ago48:35

48:35

In today's episode, Alex and Ryan discuss McLean Asset Management's ADV Part 2. It is the SEC-mandated document that an advisor provides to prospects and existing clients at least once a year. The ADV Part 2 serves as your user manual for working with your advisor. We use McLean’s ADV to serve as a baseline for these episodes. In this episode, we d…

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Episode 91: RISA® in Action: How advisors can supercharge their practice in our upcoming RISA® Masterclass for Advisors. 25:04

9M ago25:04

25:04

During this special LinkedIn Live episode, Alex and Wade are joined by Intention.ly’s Meghan Richter as they describe the upcoming 3-day Retirement Income Masterclass for Advisors. Don’t miss your chance to join us for a 3-part masterclass to see how you can leverage the innovative Retirement Income Style Awareness (RISA®) assessment to personalize…

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Episode 90: Defining the different types of Financial Professionals and the custody of your assets 53:58

9M ago53:58

53:58

In this episode, we begin our arc on becoming an informed consumer of Financial Advice. Alex brings in Ryan Walter, our actual Compliance Attorney for McLean Asset Management and Retirement Researcher, to discuss some of the most salient issues you will face when considering the use of a financial professional. In this episode, we answer: What are …

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Episode 89: RISA® in Action: Doing right by the client with Andrew Lippert 42:40

9M ago42:40

42:40

Alex and Wade discuss with Andrew Lippert from Simplified Wealth how the RISA® enables his ability to view a client’s situation agnostically and start the recommendation process with how the client wants to source retirement income. Andrew also discusses his time working with Fidelity and how that led him to start his own firm that embodies his val…

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Episode 88: What to Look for in Annuity Illustrations and Contracts (Part 2) 1:00:02

9M ago1:00:02

1:00:02

On this week's episode, Wade is continuing his conversation with Brian Bass, MSFS, CFP®, RICP®, AEP®, CLU®, and Jason Rizkallah, CFP®, RICP®, of McLean Asset Management about what listeners need to know when looking at annuity illustrations and annuity contracts. Listen now to learn more! Links As referenced in the episode, if you'd like to speak w…

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Episode 87: RISA® in Action: The Client Discovery Meeting with the 4:8 Group and more. 54:38

9M ago54:38

54:38

In today’s RISA® in Action entry, Wade and Alex speak with Bob Bove and David Meler from the 4:8 Group. Bob and David discuss their stewardship approach to wealth management and how the RISA® successfully helps them service clients with their values in mind. Bob and David break down their discovery meeting process and how they achieve a balance bet…

1
Episode 86: What to Look for in Annuity Illustrations and Contracts (Part 1) 51:00

9M ago51:00

51:00

On this week's episode, Wade is hosting without Alex. But Brian Bass, MSFS, CFP®, RICP®, AEP®, CLU®, and Jason Rizkallah, CFP®, RICP®, of McLean Asset Management join Wade to get serious about what listeners need to know when looking at annuity illustrations and annuity contracts. We get the conversation rolling this week with a look at income annu…

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Episode 85: RISA® in Action with Doug Oosterhart, CFP® 51:44

9M ago51:44

51:44

For this week's RISA® in Action episode, Wade and Alex welcome Doug Oosterhart, CFP®, from LifePoint Planning. Doug was truly an early adopter of the RISA®, asking his clients to take the assessment through the link in Wade's book and then provide him with the results. We learn more about Doug's background, financial planning approach, and experien…

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Episode 84: Understanding the Index Choices for Index Annuities 52:41

9M ago52:41

52:41

On today's episode, Wade and Alex are joined by Branislav Nikolic, who is a Managing Director and Head of Insurance at the Index Standard. In his role, he is responsible for evaluating different market index options used in structured annuities. He provides a lot of insight into how to think about the plethora of index options you will see as you s…

1
Episode 83: More on Annuities with the Author of Annuities for Dummies - Part 2 43:14

10M ago43:14

43:14

Our special Friday bonus episode this week is Part 2 of the discussion with Kerry Pechter, whose "2nd edition of Annuities for Dummies" was released on July 20th. In this episode, we learn how Kerry uses annuities within his own retirement plan, and we discuss how private equity firms have impacted the annuity market. Listen now to learn more! Link…

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Episode 82: More on Annuities with the Author of Annuities for Dummies - Part 1 36:14

10M ago36:14

36:14

This week Alex and Wade welcome Kerry Pechter to the show. Kerry is the author of "Annuities for Dummies", which is part of the wildly popular For Dummies series of books. The second edition will be released on July 20th and pre-orders for the book are available. Our discussion with Kerry went so long that we've decided to turn this into a two-part…

1
Episode 81: RISA® in Action: How the RISA® is used to initiate meaningful and personal retirement planning conversations. 49:36

10M ago49:36

49:36

We speak with Neal Gordon, Gordon Wealth Planning, and discuss how he uses the RISA® to enable him to get to the heart of financial planning and the emotional matter of what retirement plans make the most sense. We discuss how the RISA® enables him to function more as a true arbiter of various retirement income solutions in order to find the one th…

1
Episode 80: Protection as An Asset Class 56:38

10M ago56:38

56:38

In today's episode, Alex and Wade discuss Wade's recent research paper, "Protection as an Asset Class." After getting into a discussion of what an asset class means, they talk about two ways to think about a structured annuity as an additional asset class. First, from an accumulation perspective, they consider it's risk and return characteristics c…

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