Best Decumulation Podcasts (2025)

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Are You Ready for Retirement? 24:53

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6d ago24:53

24:53

How do you know when it’s truly time to retire? It might sound like a simple question, but the reality is far more complex—and the wrong decision could have lasting consequences. In this episode of The Retirement Income Show, we break down the essential factors you need to consider before making the leap. From managing debt and planning for inflati…

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Stable Value Funds: Balancing Safety and Opportunity with Lincoln Financial’s Matt Condos 15:00

11d ago15:00

15:00

Stable value funds are a staple in many 401(k) plans, offering principal protection and steady returns by investing in high-quality bonds. They’re particularly popular with participants nearing retirement who want to reduce market risk while still earning a competitive yield. But recent market conditions and interest rate changes have raised new co…

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Is Your Advisor Asleep at the Switch? 24:08

13d ago24:08

24:08

Is your financial advisor fully engaged—or just coasting on autopilot? When it comes to your retirement, having someone “asleep at the switch” could put your savings and future at risk. In this episode of The Retirement Income Show, we uncover the red flags that signal your advisor may be snoozing on the job—from cookie-cutter portfolios and lack o…

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Guided retirement and helping savers make the right decisions 23:26

14d ago23:26

23:26

Patrick Coyne, Interim Director of Pensions Reform at TPR, and Nike Trost, the FCA’s Head of Department - Asset Management and Pensions Policy, discuss how trustees can help ensure guided retirement makes a difference to savers by developing a much deeper understanding of the diverse needs and profiles within their scheme membership.…

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One Big Beautiful Bill & Your Retirement 24:34

20d ago24:34

24:34

A new 1,200-page law just rewrote key retirement rules. President Trump’s One Big Beautiful Bill is packed with changes that may impact your taxes, Social Security, and healthcare. In this episode of The Retirement Income Show, we cut through the noise and break down what matters most for retirees and pre-retirees, plus how you can prepare to take …

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Keep the Main Thing the Main Thing 24:44

1M ago24:44

24:44

With so many moving parts in retirement planning—like Social Security, Roth conversions, long-term care, and estate planning—it’s easy to lose focus. In this episode of The Retirement Income Show, we cut through the noise to identify what truly matters: income investing. We’ll explain why retirement is really about replacing your paycheck, not just…

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Defining Value Creation in the Decumulation Phase with Allianz Life's Danielle Kelso 14:38

2M ago14:38

14:38

As retirement plan participants transition from the accumulation phase to decumulation, the focus moves from building wealth to ensuring sustainable income—what’s also known as "value creation." Danielle Kelso, Senior Institutional Solutions Consultant at Allianz Life Insurance Company of North America, joins the 401(k) Specialist Pod(k)ast to shed…

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Decumulation: Turning Savings into Income 24:51

2M ago24:51

24:51

You’ve spent your life saving and preparing for retirement, but now comes the hard part: spending it wisely. In this episode of The Retirement Income Show with Dave Stearns, we tackle one of the most overlooked and anxiety-inducing parts of retirement planning: decumulation. We explore why it's so difficult to shift from saving to spending, walk th…

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Top Financial Scams Targeting Retirees 24:07

2M ago24:07

24:07

In this episode of The Retirement Income Show with Dave Stearns, we shine a spotlight on the newest and most dangerous financial scams targeting retirees today. From fake Medicare calls and AI-powered voice impersonations to romance scams and phishing emails, scammers are using sophisticated technology and sneaky tactics to steal your money and per…

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Current Events and Considerations 25:00

3M ago25:00

25:00

In this episode of The Retirement Income Show with Dave Stearns, we tackle some of the most pressing concerns facing retirees and pre-retirees today — from inflation, interest rates, and Social Security uncertainty to scam prevention, housing decisions, and geopolitical instability. We also unpack the risks of outdated investment strategies and exp…

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Previewing SWAY | LIVE 2025 with Sheri Fitts 15:13

3M ago15:13

15:13

The third edition of the retirement industry’s least traditional conference is coming up Aug. 3–5 in Milwaukee, Wis. To get the low-down, we spoke with organizer Sheri Fitts, a well-known expert in personal branding for financial advisors and 401(k) marketing. Audio here Sheri explains what sets the conference apart. It focuses on helping attendees…

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The Four Quarters of a Complete Retirement Plan 23:52

3M ago23:52

23:52

Have you ever unpacked a new item to assemble it, only to realize a crucial part was missing? It’s frustrating, and it can make the whole thing useless or at least sub-optimal. The same is true in many areas of life, especially retirement planning. If even one piece of your retirement plan is missing, the whole strategy can be incomplete, and that …

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Knut A. Rostad: Why EBSA Crypto Guidance Reversal is 'Absolutely Awful Decision' 9:09

3M ago9:09

9:09

Recently the Department of Labor’s (DOL) Employee Benefits Security Administration announced that it has rescinded its 2022 guidance that discouraged retirement plan fiduciaries from including cryptocurrency investments in 401(k) plans. The move is seen as a removal of a big regulatory roadblock that forced plan fiduciaries to exercise “extreme car…

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Income First, Growth Second Approach 24:18

4M ago24:18

24:18

If retirement had a middle name, it would be "Income," just like our show: The Retirement Income Show. You have to have income to replace the salary that you earned every week when you were working. It's important to realize that income is one of the primary elements of a successful and stress-free retirement. Too many people think of income as tak…

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Unlocking SMB Market Success with 401GO’s Stan Smith 20:51

4M ago20:51

20:51

One of the most promising—and rapidly evolving—segments of the retirement plan industry is the small- to medium-sized business (SMB) market. With a wave of government incentives and employee expectations for workplace benefits on the rise, the time is ripe for innovation and growth. To help unpack the challenges and opportunities in serving this cr…

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Retirement Mailbag 24:06

4M ago24:06

24:06

Retirement can bring about lots of questions, whether you're preparing to retire soon or have been retired for years! Over the last 20+ years at Stearns Retirement Group, we’ve heard them all. On this episode of The Retirement Income Show with Dave Stearns, we’re digging into the mailbag to answer some of the top questions retirees ask us. Don't mi…

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Exploring Guaranteed Income in DC Plan Trends with Allianz Life’s Matt Stubblefield 19:49

4M ago19:49

19:49

The integration of guaranteed lifetime income solutions into workplace retirement plans remains a hot topic among plan advisors, sponsors and participants. To get an idea of the current state of these efforts, we talk with Matt Stubblefield, Aggregator Channel Director at Allianz, who highlights some key findings from a new report by the Allianz Ce…

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Value for money framework 29:43

4M ago29:43

29:43

Patrick Coyne, Interim Director of Policy and Public Affairs at TPR, and Nike Trost, Head of Asset Management and Pensions Policy at FCA, discuss the evolving value for money framework. Hear how it's shaping up, why it matters and the positive impact its set to have across the industry once rolled out.…

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Retirement Investing Is Not as Difficult as Wall Street Has Made It! 23:43

4M ago23:43

23:43

There aren't many things that can happen economically, geopolitically, or socially that the stock market is not familiar with. If there were a way to invest in retirement that was effective in all market environments, would you want to know about it? Of course you would, so don't miss this episode of The Retirement Income Show with Dave Stearns!…

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What Should I Do with My 401(k)? 23:24

5M ago23:24

23:24

Many people don’t even think about their 401(k) when they change employers. In fact, some people don’t even know the options for their employer plans. On this episode of The Retirement Income Show with Dave Stearns, we’ll help you sort it all out so that you know the next steps to take. We're covering the purpose of a 401(k), pensions, investment o…

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What Advisors Should Not Do in Retirement Planning 24:15

5M ago24:15

24:15

In some ways, we could call this episode the "bloopers" of what advisors do in retirement planning. In a lot of cases, many advisors don't know what they don't know. If you apply the same strategies in retirement that you used when you were in the savings years, you could be in for financial ruin when it comes to living out retirement. If you want …

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Creating the 'Next-Gen 401(k) Report' with KWP Growth Partners’ Will Prest and Lisa Kottler 16:56

5M ago16:56

16:56

The inaugural "Next-Gen 401(k) Report" from KWP Growth Partners is being released on April 8, unveiling a dozen transformative trends that are shaping the future of retirement plans, putting the spotlight on 60 leading digital-forward companies that are driving innovation in the workplace retirement plan space. Will Prest, Managing Partner for KWP …

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Outlining Your Retirement Strategy 24:15

5M ago24:15

24:15

When you think about retirement, having a strong outline of the primary elements can put you way ahead of the game when you reach that milestone. Join us for this episode of The Retirement Income Show with Dave Stearns as we focus on the outline so that you can fill in the blanks to your retirement!By Dave Stearns

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The Bias of Wall Street 24:20

5M ago24:20

24:20

As human beings, we're all biased, and it's important that we know that about ourselves. If you're working with a financial advisor, it's critical that you understand his/her bias as they're helping you in your retirement. If you want to learn more about the potential bias of your financial advisor, don't miss this episode of The Retirement Income …

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Common Retiree Questions 24:29

5M ago24:29

24:29

Retirement can be challenging and brings up lots of questions, regardless of how much money you have. We know these questions can weigh heavily on you, and it's our job to help you get answers. Join us for this episode of The Retirement Income Show with Dave Stearns as we address some common retiree questions!…

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Large-Cap Value Investing in 401(k) Plans with Invesco’s Devin Armstrong 19:01

6M ago19:01

19:01

In this episode, we explore how large-cap value investing fits into a well-structured 401(k) plan investment menu with the help of Devin Armstrong, co-lead manager of the Invesco Comstock Fund, who is Senior Portfolio Manager and Director of U.S. Value Research at Invesco. With market uncertainty and shifting economic conditions, value investing re…

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How to Invest No Matter What Happens to the Economy with Trump 2.0 24:20

6M ago24:20

24:20

What comes to your mind when you hear the phrase "Trump 2.0?" Maybe you feel positive emotions, perhaps you are scared, or maybe you worry that the stock market seems uncertain about him right now. No matter what comes to your mind, if you want to learn how to invest no matter what happens to the economy with Trump 2.0, then this episode of The Ret…

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Taking the Reins at Viking Cove Institute: New President Amy Glynn 11:18

6M ago11:18

11:18

It was announced at the start of the recent Viking Cove Institute 2025 Industry Leaders Summit that well-known retirement industry veteran Amy Glynn would be taking the reins as President at the unique independent organization that boasts a membership of over 600 advisors across roughly 200 firms. Glynn joins the 401(k) Specialist Pod(k)ast to talk…

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DOGE Your Budget In Retirement 24:34

6M ago24:34

24:34

Have you ever wondered what it might be like to have Elon Musk take a look at your monthly expenses? Do you think he might find some pork if he rummaged through your checkbook? Join us for this episode of The Retirement Income Show with Dave Stearns as we discuss what it might be like if you were "DOGE'd."…

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401(k) Forfeiture Lawsuits and SECURE 2.0 compliance with Richard Clarke 19:58

6M ago19:58

19:58

The “flavor of the month” in retirement plan ERISA lawsuits seems to be 401(k) forfeiture reallocation cases, where employers are accused of using forfeited funds to benefit the company instead of plan participants. Richard Clarke, Chief Insurance Officer at Colonial Surety Company, a leading direct seller and writer of surety bonds, joins the 401(…

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The Big Five of Income Investing 24:12

7M ago24:12

24:12

What comes to your mind when you hear the phrase "The Big Five?" Is it the five widely known personality traits or perhaps the big five animals from Africa? If you want to learn about the Big Five investments that we use to create stable and renewable income in retirement, then don't miss this episode of The Retirement Income Show with Dave Stearns…

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Holly Knight’s High-Profile Move to Alera Group 11:25

7M ago11:25

11:25

High-profile retirement plan advisor Holly Knight joins the 401(k) Specialist Podcast in this episode to discuss her recent move from NFP to Alera Group, where she is in the newly created role of “Director of Retirement Advisor Services.” Knight explains the rationale behind the move and why she believes the young and growing company is uniquely po…

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Avoiding Extremes in Your Retirement Plan 24:44

7M ago24:44

24:44

Are you the kind of person that tends toward extremes in your life, or do you prefer to keep it in the middle of the road? Regardless of which type of person you are, you must avoid extremes in your retirement plans. If you want to learn more about retirement planning extremes and how to avoid them, don't miss this episode of The Retirement Income …

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Protecting the Rights of Retirement Investors with ICI Leader Eric J. Pan 10:39

7M ago10:39

10:39

A second Trump Administration, coupled with new leadership at the SEC and Department of Labor, brings the potential for significant changes in the regulatory environment in Washington, including discussions that could impact retirement tax incentives and their role in encouraging long-term savings. For insight on what this could mean when it comes …

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How Much Can I Take? 24:58

7M ago24:58

24:58

How much money can you comfortably take from your investments when you retire? This is a common question that we often get in our office. If you don't have a good answer, you could run into lots of troubles in retirement, so tune into this episode of The Retirement Income Show with Dave Stearns as we tackle this topic!…

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Minimizing Surprises in Retirement 24:04

8M ago24:04

24:04

Birthday surprises, surprise trips, financial surprises...Not all surprises are equal. Whether you love or despise them, we all have one thing in common: We don't like bad surprises, especially when it comes to our finances in retirement. If you want to learn how to minimize surprises in your retirement, don't miss this episode of The Retirement In…

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Andrew Biggs Rips Congress for Social Security 'Fairness' Act 30:44

8M ago30:44

30:44

The Social Security Fairness Act was signed into law by President Joe Biden on Jan. 6 thanks to strong bipartisan support. The intent was to provide greater retirement security and “fairness” to people who have dedicated their careers to public service, with bill supporters saying the old law unfairly stripped many low-income government and public …

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Back to Basics for 2025 24:14

8M ago24:14

24:14

One of our favorite aspects of a new year is the fresh start! It provides an opportunity to reflect on the previous year and put new plans in place. Reviewing financial basics can help lay the foundation for a successful year, and the beginning of the year is the best time to do so. Join us for this special edition of The Retirement Income Show wit…

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Red Election Sweep and Your Retirement 24:22

9M ago24:22

24:22

The election is behind us and the Red Sweep of the Presidency, House, and Senate is on everybody’s mind. If you’re wondering how the new administration can affect your retirement plans, you’ve come to the right place. We're breaking it all down for you on this episode of The Retirement Income Show with Dave Stearns!…

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4 DC Trends to Watch for in 2025 with Vanguard’s Jeff Clark 10:17

9M ago10:17

10:17

With the new year quickly approaching, it’s a good time to think about some of the key trends to watch out for in 2025. Vanguard Head of Defined Contribution Research Jeff Clark—who is the author of the company’s popular “How America Saves” research—joins the 401(k) Specialist Podcast to talk about four 2025 retirement trends he anticipates will im…

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Year-End Financial Planning Checklist 25:03

9M ago25:03

25:03

The end of the year is the perfect time to create and review a year-end financial planning checklist, ideally with a financial advisor. The items included on your checklist may vary depending on your age and situation, but if you are actively saving for retirement (especially if you are already retired or within 15 years of retirement), listen to t…

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How to Better Reach 401(k) Participants with Invesco's Greg Jenkins 14:45

9M ago14:45

14:45

t’s always important for retirement plan advisors to know the primary concerns and interests of 401(k) participants in order to be able to communicate with them effectively. Invesco recently conducted some new research on the mindset of participants, and in this episode of the 401(k) Specialist Pod(k)ast, we talk with Greg Jenkins, Managing Directo…

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Retirement Income for the Single Retiree 24:49

10M ago24:49

24:49

We often talk about how to plan for and achieve a stress-free retirement as a couple, but many of our clients and listeners are single, divorced, or widowed. In our many years of working with retirees, we have found that there are some unique aspects of retiring single that get overlooked, and their neglect can have an even more significant impact.…

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How Company Mergers Affect Retirement Plans with Inspira’s Pete Welsh 10:24

10M ago10:24

10:24

In this episode, we sit down with Pete Welsh, Managing Director of Retirement and Wealth at Inspira Financial, to explore the complexities of company mergers and their impact on retirement plans. Welsh sheds light on what happens when businesses with different retirement plans merge, outlining key outcomes and compliance concerns. He also provides …

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Vote for a Winning Retirement 24:39

10M ago24:39

24:39

As we exit election season in the United States, did you know that you can have a vote in retirement? When you get to the retirement stage of life, you have the ability to make decisions about your investments, goals, and dreams; these are important aspects of building a stress-free retirement. If you want to learn how to cast your vote for a winni…

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How to Have a Stress-Free Retirement 24:34

10M ago24:34

24:34

Nobody wants stress and anxiety in retirement, especially after working so hard and sacrificing so much to get there. If you want to learn the keys to a stress-free retirement, you've come to the right place because that's what we're going to reveal to you on this episode of The Retirement Income Show with Dave Stearns. You won't want to miss it!…

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Two Ways to Get Return on Your Money 24:38

10M ago24:38

24:38

In almost all of life, there are more than two ways to do something. Even a complex math problem with only one correct answer has many ways to solve for that answer. Did you know that there have always been and will always only be two ways to get return on your money? If you want to learn what those two ways are and how they work, don't miss this e…

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Digital, data and technology strategy 16:05

11M ago16:05

16:05

Paul Neville, Executive Director of Digital, Data and Technology at The Pensions Regulator, describes how the organisation will use digital, data and technology to transform itself and industry in a bid to protect savers and drive innovation.By The Pensions Regulator

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Opportunity in the SMB Market with Principal Financial Group’s Sean Jordan 14:34

11M ago14:34

14:34

The small to mid-size business retirement plan market is a key growth opportunity for advisors who are looking to expand their client base and provide much-needed benefit solutions to a traditionally underserved segment. With all the new tax incentives for startup plans and state mandates to either offer a plan or have employees opted-in to a state…

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The Road to Better Retirement Outcomes with MFS' Jeri Savage 18:49

11M ago18:49

18:49

In this episode of the 401(k) Specialist Podcast, we’ll travel down the road to better participant outcomes with MFS Investment Management’s Jeri Savage, who will direct us through the key insights from the newly released 2024 MFS Global Retirement Survey. Podcast Episode Player Savage, Lead Retirement Strategist at Boston-based MFS, elaborates on …