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Saving for retirement and living off retirement savings are two very different skills. In Episode 43 of Retirement Power Hour, host Joe Allaria walks through seven critical questions to help you build…

Saving for retiremen…

Saving for retirement and living off retirement savings are two very different skills. In Episode 43 of Retirement Power Hour, host Joe Allaria walks through seven critical questions to help you build a retirement income plan that actually holds up — including how to structure withdrawals across taxable, IRA, and Roth accounts; when to take Social Security; whether an annuity makes sense for your situation; and the most common investment mistake retirees make once they start drawing income. Submit Your Questions To submit a listener question, visit our website,  https://www.retirementpowerh…

Saving for retirement and living off retirement savings are two very different skills. In Episode 43 of Retirement Power Hour, host Joe Allaria walks through seven critical questions to help you build…

Saving for retiremen…

Saving for retirement and living off retirement savings are two very different skills. In Episode 43 of Retirement Power Hour, host Joe Allaria walks through seven critical questions to help you build a retirement income plan that actually holds up — including how to structure withdrawals across taxable, IRA, and Roth accounts; when to take Social Security; whether an annuity makes sense for your situation; and the most common investment mistake retirees make once they start drawing income. Submit Your Questions To submit a listener question, visit our website,  https://www.retirementpowerh…

 How much can you contribute to your 401(k), IRA, Roth IRA, HSA, or SIMPLE IRA in 2026? In this episode of the Retirement Power Hour, Joe Allaria, CFP®, breaks down the latest retirement contributio…

 How much can you c…

 How much can you contribute to your 401(k), IRA, Roth IRA, HSA, or SIMPLE IRA in 2026? In this episode of the Retirement Power Hour, Joe Allaria, CFP®, breaks down the latest retirement contribution limits, catch-up rules, income phase-outs, tax deduction changes, and key updates from recent legislation so you can make smarter decisions about saving for retirement.  If you’re wondering whether you’re contributing enough or where your Money should be going this episode will help you understand the numbers and stay on track toward your retirement goals. Submit Your Questions To submit …

The new year always brings a wave of stock market forecasts… but how accurate are they really?In this episode of the Retirement Power Hour, Joe Allaria and Jay Waters break down the biggest 2026 mar…

The new year always …

The new year always brings a wave of stock market forecasts… but how accurate are they really?In this episode of the Retirement Power Hour, Joe Allaria and Jay Waters break down the biggest 2026 market predictions from major financial institutions and compare them to what Experts predicted for 2025. The results may surprise you.This annual episode isn’t about telling you where the market is going… it’s about showing why building your financial plan around predictions is risky and why a personalized investment strategy matters more than headlines.Submit Your Questions To submit a listen…

In this episode of the Retirement Power Hour, Joe Allaria, CFP®, breaks down the key differences between Roth and Traditional retirement accounts so you can make smarter, more tax-efficient decisions…

In this episode of t…

In this episode of the Retirement Power Hour, Joe Allaria, CFP®, breaks down the key differences between Roth and Traditional retirement accounts so you can make smarter, more tax-efficient decisions with your savings.  We’ll cover: 🔹 The real tax advantages of each account 🔹 Who should choose Roth vs who should choose Traditional 🔹 How your income level and future tax bracket affect your decision 🔹 Why some people benefit from using BOTH 🔹 What the Backdoor Roth IRA is and when it makes sense This is Episode 2 in our 401(k) Series. If you missed Episode 1 "How Much S…

According to a 2023 SurveyMonkey study, 46% of 401(k) investors don’t know what they’re actually invested in. If that’s you — don’t worry, you’re not alone.In this episode of The Retiremen…

According to a 2023 …

According to a 2023 SurveyMonkey study, 46% of 401(k) investors don’t know what they’re actually invested in. If that’s you — don’t worry, you’re not alone.In this episode of The Retirement Power Hour, Joe Allaria, CFP®, breaks down the most common 401(k) investment options and helps you answer one of the most important retirement questions: "How should I invest my 401(k)?"We’ll cover:✔️ Target date funds: pros, cons, and how to adjust✔️ DIY Investing: building your mix of large cap, small cap, international, and bond funds✔️ The truth about high-yield (“junk”) b…

According to the 2025 Intuit Prosperity Index, 68% of Americans aren’t confident they’ll ever be able to retire. One big reason? Most people don’t know how much they should contribute to their 4…

According to the 202…

According to the 2025 Intuit Prosperity Index, 68% of Americans aren’t confident they’ll ever be able to retire. One big reason? Most people don’t know how much they should contribute to their 401(k).In this episode of The Retirement Power Hour, Joe Allaria, CFP®, breaks down exactly how much you should be contributing to your 401(k)—based on your age, income, and personal situation. You’ll learn:-Why getting your employer match is non-negotiable-The “rules of thumb” for 401(k) contribution percentages at different ages-How to know if you’re on track with your retirement savin…

Are tariffs about to hit your wallet and your investment portfolio? In this episode of Retirement Power Hour, Joe Allaria, CFP®, breaks down exactly what tariffs are, how they work, and most importan…

Are tariffs about to…

Are tariffs about to hit your wallet and your investment portfolio? In this episode of Retirement Power Hour, Joe Allaria, CFP®, breaks down exactly what tariffs are, how they work, and most importantly—what they mean for your retirement savings and day-to-day expenses.From the latest moves by the U.S., China, Canada, and Mexico to expert opinions from PIMCO, Goldman Sachs, JP Morgan, and more, we’re giving you a balanced look at what’s happening and what it could mean for your financial future.If you enjoyed this episode, make sure to check out our podcast 2025 Stock Market Predictions…

Welcome to the Retirement Power Hour with Joe Allaria, CFP®. In Episode 36, Joe & Jay break down how financial "experts" consistently make incorrect market predictions, often pushing fear-based n…

Welcome to the Retir…

Welcome to the Retirement Power Hour with Joe Allaria, CFP®. In Episode 36, Joe & Jay break down how financial "experts" consistently make incorrect market predictions, often pushing fear-based narratives to sell books or products. They highlight key misses from 2024, including false recession calls, incorrect volatility forecasts, and failed AI bubble predictions, while also recognizing those who take a more data-driven approach. The takeaway? Ignore the noise, focus on a strategy built around your personal financial plan, and invest wisely for the long term.If you enjoyed this episode, …

Welcome to the Retirement Power Hour with Joe Allaria, CFP®. In episode 35, we break down the 2025 retirement contribution limits and key tax changes you need to know. Learn about updates to IRAs, Ro…

Welcome to the Retir…

Welcome to the Retirement Power Hour with Joe Allaria, CFP®. In episode 35, we break down the 2025 retirement contribution limits and key tax changes you need to know. Learn about updates to IRAs, Roth IRAs, 401(k)s, SIMPLE IRAs, and more—including the new provisions introduced by Secure Act 2.0.Key Topics Discussed: IRA and Roth IRA contribution limits and phase-outsNew 401(k) and SIMPLE IRA catch-up provisionsChanges to tax brackets, standard deductions, and Social Security wage baseHSA contribution updates for 2025If you enjoyed this episode, make sure to check out our podcast Whole Life…

In this episode, Joe Allaria, CFP®, and Jay Waters dive deep into the pros and cons of two popular types of life insurance: Term Life and Whole Life. While both offer unique benefits, choosing the ri…

In this episode, Joe…

In this episode, Joe Allaria, CFP®, and Jay Waters dive deep into the pros and cons of two popular types of life insurance: Term Life and Whole Life. While both offer unique benefits, choosing the right policy depends on your individual financial goals.Key Terms Discussed:-Term Life Insurance-Whole Life Insurance-The Cash Value Debate-Guaranteed Dividends-Buy Term, Invest the RestWhether you’re new to life insurance or reassessing your coverage, this episode will help you understand the key differences between these two policies and give you the tools to make an informed decision.If you enj…

Welcome to Retirement Power Hour! In Episode 33, host Joe Allaria, CFP®, discusses the key factors in determining how much life insurance you need. He covers important considerations like paying off …

Welcome to Retiremen…

Welcome to Retirement Power Hour! In Episode 33, host Joe Allaria, CFP®, discusses the key factors in determining how much life insurance you need. He covers important considerations like paying off mortgages, covering future expenses for children, and replacing income for a spouse, along with strategies for wealth transfer and Estate tax planning. Joe also explains the difference between term and permanent life insurance, helping you decide what best suits your needs.   If you enjoyed this episode, make sure to check out our podcast Can I Retire with $1M at age 60? Submit Your QuestionsTo …