Best Decumulation Podcasts (2025)

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Glenn Dial of American Century Investments on Why Sponsors and Participants See Retirement Risks So Differently 13:04

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10d ago13:04

13:04

A recent survey from American Century Investments reveals some surprising disconnects between retirement plan sponsors and the workers participating in their 401(k) plans. The findings uncovered some sizable gaps in how each group views participant preparedness, risk tolerance, and even the basic functionality of common retirement products. To brea…

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Joe Murphy discusses the common fears and misconceptions surrounding retirement planning. 52:30

13d ago52:30

52:30

Joe Murphy discusses the common fears and misconceptions surrounding retirement planning. He emphasizes the importance of having a comprehensive retirement plan, highlighting various traps that retirees often fall into, such as cashing out retirement accounts, overreliance on tax-deferred accounts, and lifestyle creep. Joe also addresses the signif…

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Joe Murphy discusses the importance of continuing to invest after retirement, addressing longevity risk, inflation, and the necessity of having an emergency fund. 53:07

22d ago53:07

53:07

Joe Murphy discusses the importance of continuing to invest after retirement, addressing longevity risk, inflation, and the necessity of having an emergency fund. He emphasizes the need for personalized asset allocation strategies based on individual risk tolerance and time horizon. The conversation also covers the significance of social security t…

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Technology and the Future of Retirement Planning with Morningstar Retirement’s Michael Allen 12:51

25d ago12:51

12:51

Retirement technology is rapidly transforming the way advisors and plan sponsors deliver planning advice. In this episode of the 401(k) Specialist Podcast, Editor-in-Chief Brian Anderson sits down with Michael Allen, Morningstar Retirement’s Global Head of Retirement Technology, to explore how innovation is making retirement advice more personalize…

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Joe Murphy discusses the significant impact of inflation on retirement planning. 51:05

27d ago51:05

51:05

Joe Murphy discusses the significant impact of inflation on retirement planning, highlighting the rising costs of food, healthcare, and the challenges retirees face in maintaining their purchasing power. He emphasizes the importance of safe investment options, understanding social security adjustments, and strategies for inflation-proofing retireme…

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Joe Murphy discusses essential year-end financial strategies that could save you a bundle. 53:10

1M ago53:10

53:10

Joe Murphy discusses essential year-end financial strategies, including required minimum distributions (RMDs), tax loss harvesting, and the benefits of qualified charitable distributions (QCDs). He emphasizes the importance of Roth conversions, gifting strategies, and maximizing 401(k) contributions. The conversation also covers flexible spending a…

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Defining Value Creation in the Decumulation Phase 13:51

1M ago13:51

13:51

Danielle Kelso, Senior Institutional Solutions Consultant at Allianz Life Insurance Company of North America, joins us to shed light on the changes and innovations shaping the future of retirement security. In her role, Kelso provides research, analytics and product expertise to the Allianz sales team, and shares her expertise on what plan sponsors…

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Joe Murphy discusses the essential aspects of retirement planning, emphasizing the importance of proactive strategies to ensure financial security. 51:00

1M ago51:00

51:00

Joe Murphy discusses the essential aspects of retirement planning, emphasizing the importance of proactive strategies to ensure financial security. Topics include the realities of healthcare costs, the implications of required minimum distributions, and the significance of social security timing. Joe also addresses the challenges of market volatili…

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S6 Ep5: Small Schemes: Navigating Challenges for sub £100m Pension Schemes 24:57

1M ago24:57

24:57

In Episode 5, Season 6 of the Burges Salmon Pensions Pod, Chris Brown is joined by Ffion Hughes from Willis Towers Watson and Andy Prater from Burges Salmon to explore the challenges and opportunities facing small pension schemes. The discussion covers regulatory change, administration and member experience, data and benefit specification, and the …

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A Major Retirement Disconnect: What Sponsors Miss About Participant Priorities 12:40

2M ago12:40

12:40

Today, we’re joined by Glenn Dial, Senior Retirement Strategist with American Century Investments. Dial explains some fascinating findings from “The Retirement Disconnect: What Sponsors Miss About Participant Priorities,” the firm’s 12th annual survey of retirement plan participants and sponsors, which can be found at americancentury.com. He covers…

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“Retirement Myths, Mistakes, and Money Moves: Joe Murphy Answers Your Questions” 52:06

2M ago52:06

52:06

Joe Murphy discusses the critical aspects of retirement planning, emphasizing the importance of having a tailored plan that considers longevity, healthcare costs, and social security. He highlights common misconceptions about social security and Medicare, the impact of inflation on retirement spending, and the significance of required minimum distr…

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Technology and the Small Plan Market with 401GO’s Sue Hardy and Cheryl Morrison Deutsch 13:50

2M ago13:50

13:50

Technology is transforming the small-plan retirement market—and fast. In this episode of the 401(k) Specialist Podcast, we sit down with Sue Hardy, Head of Plan Operations at Sandy, Utah-based 401GO, and Cheryl Morrison Deutsch, the company’s Chief Experience Officer, to explore how modern automation, integration, and design thinking are helping sm…

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Joe Murphy discusses the importance of planning for a long retirement, addressing longevity risk, inflation, and the emotional aspects of retirement planning. 51:50

2M ago51:50

51:50

Joe Murphy discusses the importance of planning for a long retirement, addressing longevity risk, inflation, and the emotional aspects of retirement planning. He emphasizes the need for multiple income streams, the significance of social security timing, and the necessity of having uncomfortable conversations about health and legacy planning. The e…

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S6 Ep4: Policy Pulse: Adequacy, Investment mandation and the Advice Gap 35:55

2M ago35:55

35:55

In episode 4, season 6 of the Burges Salmon Pensions Pod, Chris Brown is joined by Paul Waters (Hymans Robertson) and Hercules Phillips to explore the latest in UK pensions policy. The discussion covers the revived Pensions Commission’s focus on adequacy (from 2 mins 41 secs), the Mansion House Accord and Pension Schemes Bill’s investment mandates …

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Decumulation: The Retirement Phase No One Warned You About 52:34

2M ago52:34

52:34

After decades of building your wealth, are you ready to actually enjoy it? On this week’s Wealth Health Radio, Joe Murphy and Steve Sedahl dig into one of the most overlooked parts of retirement — decumulation — the art and science of spending what you’ve saved. From withdrawal strategies to managing risk in volatile markets, Joe breaks down how re…

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Private Markets and 401(k)s: Invesco’s Greg Jenkins on What Comes Next 10:11

2M ago10:11

10:11

Private markets are trying to make a move from the margins to the mainstream in workplace retirement plans—and the implications could be enormous. In this episode, we sit down with Greg Jenkins, CFA, Managing Director of Defined Contribution Solutions at Invesco to explore what this potential shift could mean for advisors, plan sponsors, and partic…

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Joe Murphy delves into various aspects of Social Security, including taxation, benefits, and strategies for maximizing retirement income. 52:02

2M ago52:02

52:02

Joe Murphy delves into various aspects of Social Security, including taxation, benefits, and strategies for maximizing retirement income. The hosts discuss the implications of the trust fund's status, spousal strategies, and the importance of understanding healthcare coverage before Medicare. They also explore reverse mortgages as a financial tool …

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S6 Ep3: DC Decumulation: The nastiest, hardest problem in finance? 24:13

2M ago24:13

24:13

In this episode of the Burges Salmon Pensions Pod, Chris Brown is joined by Kathryn Fleming from Hymans Robertson and Helen Woodford to explore the topic of DC decumulation from multiple perspectives - including those of members, trustees, employers and providers, making this a valuable listen for anyone involved in DC pension saving. The discussio…

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Joe Murphy explores the multifaceted aspects of retirement, emphasizing that it is not solely about financial security but also about finding purpose. 53:14

3M ago53:14

53:14

Joe Murphy explores the multifaceted aspects of retirement, emphasizing that it is not solely about financial security but also about finding purpose, balance, and fulfillment. The speakers discuss the importance of aligning visions for couples, the role of faith and spirituality, and the necessity of creating a life plan alongside financial planni…

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Challenging Common Beliefs About Automated Plan Features with Principal Financial Group’s Marc Howell and Felix Okwaning 23:20

3M ago23:20

23:20

Automated plan features in 401(k)s such as auto-enrollment and auto-escalation have become essential tools for boosting employee participation and contribution levels. Marc Howell and Felix Okwaning, who are both Managing Directors—Enhanced Plan Design at Principal Financial GroupⓇ, share some compelling new research showing employees not only stay…

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Joe Murphy discusses the essential aspects of retirement planning, emphasizing the importance of preparation for the emotional and financial transitions that come with retirement. 53:06

3M ago53:06

53:06

Joe Murphy discusses the essential aspects of retirement planning, emphasizing the importance of preparation for the emotional and financial transitions that come with retirement. He explores the current market trends, particularly the AI bubble, and how they may affect retirees' investments. The conversation also covers the significance of healthc…

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S6 Ep2: AI in Pensions: Practical Insights for Trustees 16:13

3M ago16:13

16:13

In this episode of the Burges Salmon Pensions Pod, Chris Brown and Callum Duckmanton discuss how AI is shaping the future of pensions. They cover trustees’ legal duties, the benefits and risks of using AI, practical steps for implementation, and insights from a recent industry event. A must listen for trustees and pensions professionals looking to …

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Three Key Strategies for Improving Retirement Plan Participant Outcomes 13:10

3M ago13:10

13:10

Today, we’re joined by Mike Kelly, Strategic Accounts Director with Inspira Financial. Mike discusses the strategies that plan sponsors can use to manage their retirement plans better and create better outcomes for their plan participants. But before we delve into that, Mike reminds listeners what Inspira Financial is and what it does.…

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Managing Market Value Adjustments with Lincoln Financial’s Bill McLaren 9:35

3M ago9:35

9:35

In this episode of the 401(k) Specialist Podcast, we dive into the complex world of Market Value Adjustments (MVAs)—what they are, when they’re triggered, how they’re calculated, and why they matter. Bill McLaren, Stable Value Business Leader for the Retirement Plan Services Business at Lincoln Financial, joins us to explain why MVAs can catch plan…

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Joe Murphy discusses the critical aspects of retirement planning, focusing on the often-overlooked tax implications that retirees face. 52:08

3M ago52:08

52:08

Joe Murphy discusses the critical aspects of retirement planning, focusing on the often-overlooked tax implications that retirees face. From Social Security taxation to Required Minimum Distributions (RMDs), Joe emphasizes the importance of strategic planning to minimize tax burdens and maximize retirement income. He also covers the impact of the S…

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S6 Ep1: Benefit and documentation audits – what are they and why consider them? 24:10

3M ago24:10

24:10

Regular host Chris Brown (Partner) chats with Richard Pettit (Partner) and Elena O’Leary (Senior Associate) from Burges Salmon’s Pensions & Lifetime Savings Team about benefit and documentation audits – how they can supplement benefit specifications and why trustees and employers of DB Schemes might want to consider one.…

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Joe Murphy discusses the complexities of financial planning for late-life marriages, the impact of divorce on finances, and the importance of estate planning. 53:05

4M ago53:05

53:05

Joe Murphy discusses the complexities of financial planning for late-life marriages, the impact of divorce on finances, and the importance of estate planning. He emphasizes the need for clear communication and planning to avoid financial pitfalls, especially regarding required minimum distributions (RMDs) and tax implications. The conversation also…

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Private Equity’s Potential to Help 401(k) Participants with Maura Reilly Kennedy and Michelle Rappa 16:11

4M ago16:11

16:11

Even with regulatory barriers to including alternative assets such as private equity in defined contribution plans being removed by the Trump administration, many advisors, plan sponsors and fiduciaries are understandably hesitant to jump in. To get a better idea of what private equity investments can bring to the table, we speak with Maura Reilly …

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Retirement isn’t about more hustle—it’s about smarter alignment. Joe Murphy has the story. 52:35

4M ago52:35

52:35

They grew up on mixtapes, weathered two market crashes, and now Gen X is staring down retirement with one eye on the future—and the other on the fine print. For those who’ve saved smartly, the next move isn’t grinding harder, it’s aligning strategically. How do you shift from being a saver to becoming a true steward of your wealth? That’s the conve…

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

4M 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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Joe Murphy kicks things off with a lighthearted look at retirement and why sometimes stepping away early is the smartest move you can make. 52:51

4M ago52:51

52:51

Joe Murphy kicks things off with a lighthearted look at retirement and why sometimes stepping away early is the smartest move you can make. With the theme “Retired early – because working late never suited me,” we explore the humor, wisdom, and life lessons that come from knowing when it’s time to trade the office clock for more freedom. It’s part …

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

4M 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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Joe Murphy discusses the importance of reviewing annuities in light of changing market conditions, particularly with rising interest rates. 52:48

4M ago52:48

52:48

Joe Murphy discusses the importance of reviewing annuities in light of changing market conditions, particularly with rising interest rates. He explains how the 1035 exchange can be a valuable tool for transferring underperforming annuities without tax penalties. The conversation also covers the implications of required minimum distributions (RMDs) …

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Joe Murphy discusses the critical tax issues retirees face and offers strategies for tax efficiency, including the benefits of Roth conversions. 52:16

5M ago52:16

52:16

Joe Murphy discusses the critical tax issues retirees face and offers strategies for tax efficiency, including the benefits of Roth conversions. He emphasizes the importance of understanding retirement income taxation, planning for retirement decisions, and the psychological transition into retirement. The conversation also covers creating multiple…

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Joe Murphy discusses the evolving landscape of retirement planning, challenging traditional advice and exploring new strategies. 52:50

5M ago52:50

52:50

Joe Murphy discusses the evolving landscape of retirement planning, challenging traditional advice and exploring new strategies. He delves into the mortgage payoff myth, the downsizing dilemma, and the implications of the recent Big Beautiful Bill, which offers significant tax benefits for middle-income Americans. Additionally, Joe emphasizes the i…

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

5M 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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Joe Murphy discusses the critical financial red flags that individuals often overlook as they approach retirement. 53:19

5M ago53:19

53:19

Joe Murphy discusses the critical financial red flags that individuals often overlook as they approach retirement. They explore economic indicators, the impact of interest rate cuts on various asset classes, and the importance of budgeting and planning for retirement. The conversation also delves into the psychological aspects of transitioning into…

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Joe Murphy discusses the common financial mistakes that baby boomers make as they approach retirement. 52:31

6M ago52:31

52:31

Joe Murphy discusses the common financial mistakes that baby boomers make as they approach retirement, particularly focusing on Social Security and the importance of strategic planning. He emphasizes the need for a well-thought-out election strategy for Social Security benefits, the impact of taxes on retirement withdrawals, and the significance of…

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Joe Murphy discusses the importance of crisis-proofing retirement plans in light of unpredictable events such as market crashes, inflation, and healthcare costs. 52:31

6M ago52:31

52:31

Joe Murphy discusses the importance of crisis-proofing retirement plans in light of unpredictable events such as market crashes, inflation, and healthcare costs. He emphasizes the need for emergency accounts, diversification, and personalized asset allocation strategies to ensure financial security in retirement. The discussion also highlights the …

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Joe Murphy discusses the often-overlooked assets that can significantly enhance retirement income. 53:06

6M ago53:06

53:06

Joe Murphy discusses the often-overlooked assets that can significantly enhance retirement income. He emphasizes the importance of recognizing hidden financial gems such as life insurance policies with cash value, health savings accounts (HSAs), and collectibles. Joe explains how these assets can bridge income gaps, provide tax advantages, and serv…

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Previewing SWAY | LIVE 2025 with Sheri Fitts 15:13

6M 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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Joe Murphy discusses essential financial truths for retirement planning. 52:47

7M ago52:47

52:47

Joe Murphy discusses essential financial truths for retirement planning. They emphasize the importance of having a financial plan, understanding the impact of inflation, navigating taxes, and the significance of required minimum distributions (RMDs). The conversation also touches on the need for proper planning to address longevity and the changing…

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

7M 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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Joe Murphy discusses the essential elements of retirement planning, focusing on the importance of health and financial peace of mind. 52:42

7M ago52:42

52:42

Joe Murphy discusses the essential elements of retirement planning, focusing on the importance of health and financial peace of mind. The conversation delves into the three main spending phases of retirement: the go-go years, slow-go years, and no-go years, emphasizing the need for strategic planning to navigate these phases effectively. Joe also h…

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Joe Murphy discusses the impact of market volatility on retirement planning, emphasizing the importance of adapting strategies to ensure financial security. 52:04

7M ago52:04

52:04

Joe Murphy discusses the impact of market volatility on retirement planning, emphasizing the importance of adapting strategies to ensure financial security. He explores the benefits of working longer, the necessity of guaranteed income sources, and the need for dynamic spending adjustments in retirement. The conversation highlights the significance…

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

8M 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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Joe Murphy discusses the current economic landscape, focusing on the recent contraction of the US economy and its implications for retirees. 51:07

8M ago51:07

51:07

Joe Murphy discusses the current economic landscape, focusing on the recent contraction of the US economy and its implications for retirees. He emphasizes the importance of understanding sequence of returns risk, especially during market downturns, and highlights the rising costs of healthcare and inflation as significant concerns for retirees. Joe…

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Joe Murphy discusses the current economic landscape, focusing on recession indicators, consumer behavior, and the importance of stress testing retirement plans. 51:55

8M ago51:55

51:55

Joe Murphy discusses the current economic landscape, focusing on recession indicators, consumer behavior, and the importance of stress testing retirement plans. He highlights quirky economic signals like the lipstick index and cardboard box shipments, emphasizing the need for retirees to adapt their income strategies in a volatile market. Joe also …

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

8M 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

8M 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.…