How to Retire and Make Your Money Last
Providence Financial Retirement Show with Anthony Saccaro
Release Date: 06/09/2025
From Nest Egg to Monthly Income
Providence Financial Retirement Show with Anthony Saccaro
Most retirement conversations obsess over account balances - how much you’ve saved, how your portfolio performed, whether you’ve hit a “number.” But retirement doesn’t work like a scorecard. It works like a paycheck. In this episode, we reframe retirement planning around the question that actually matters: How much reliable monthly income can your investments generate, and can you use it confidently? Take too much, and you risk running out of money. Take too little, and you risk living smaller than you need to, postponing joy, and merely enduring retirement instead of enjoying it....
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Emotional Wealth v. Financial Wealth
Providence Financial Retirement Show with Anthony Saccaro
Most retirement conversations revolve around numbers - account balances, returns, tax brackets, required minimum distributions. But after working with retirees for more than a quarter of a century, one truth has become clear: emotional wealth matters more than financial wealth. In this episode, we explore why peace of mind, confidence, and income stability ultimately define a successful retirement far more than hitting a specific number on a statement. We’ll talk about how reducing uncertainty, building dependable income, and planning intentionally can give you the same sense of...
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Retirement Decisions That Matter Most: A Q&A Deep Dive
Providence Financial Retirement Show with Anthony Saccaro
This episode delivers a deep-dive Q&A on the choices that shape a secure retirement. We break down whether to roll a 401(k) into an IRA, when Roth conversions are worth it, and why bonds, when used correctly, can provide essential income. Discover how to build a portfolio that withstands loss, inflation, and the risk of running out of money, and learn a smarter way to rebalance using a function-based approach to investing. We also unpack the heavy topic of spousal caregiving and how proactive planning protects dignity while easing the burden on family members. A must-listen for...
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The Hidden Threats to Your Retirement
Providence Financial Retirement Show with Anthony Saccaro
Everything might look perfectly fine on the surface, but retirement is full of threats that can grow quietly in the background until they’re suddenly too big to ignore. In this week's episode, we dive into the hidden pitfalls that can disrupt even the strongest retirement plans: relying too heavily on the stock market, rising living or health care costs, Required Minimum Distributions pushing you into a higher tax bracket, and more. We’ll explore why your retirement plan can’t be something you “set and forget.” It needs to evolve with you. You’ll learn how to stay proactive, build...
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Planning Ahead: A Thanksgiving Lesson for Retirement
Providence Financial Retirement Show with Anthony Saccaro
Thanksgiving is a perfect reminder that great outcomes never just “happen.” A successful holiday meal takes planning, preparation, and thoughtful timing - and retirement is no different. In this episode, we break down why intentional planning matters, why timing affects everything, and why scrambling last-minute (whether at 55, 65, or the week before retirement) only creates stress. And more importantly - why it’s never too late to get clarity. We help people get organized, build an income plan they can rely on, and gain the peace of mind that comes with knowing retirement isn’t left...
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Your December Financial Checklist
Providence Financial Retirement Show with Anthony Saccaro
The holiday season is here, and while festivities take center stage, now is the critical moment to make smart financial decisions that set up next year (and your long-term retirement) on the right track. In this week's podcast, we break down the key year-end actions retirees shouldn’t overlook: Required Minimum Distributions, strategic withdrawals, potential Roth opportunities, rebalancing investments, reviewing charitable gifts, and updating long-ignored beneficiary forms. Your tax bill is being shaped right now, and every dollar saved is a dollar that keeps working for you throughout...
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3 Keys to Smarter Retirement Tax Planning
Providence Financial Retirement Show with Anthony Saccaro
Most people think retirement success depends on the stock market, but one of the biggest factors that determines whether your money lasts isn’t what you invest in, it’s when and how you withdraw it. In this episode, we break down the 3 key tax levers that can dramatically impact your lifetime retirement income: Required Minimum Distributions, Roth Conversions, and Social Security. These income sources are deeply interconnected, and if you don’t coordinate them properly, you could pay far more in taxes than necessary. Learn how the sequence of withdrawals can matter even more...
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Emotional Investing v. Intentional Planning
Providence Financial Retirement Show with Anthony Saccaro
Investing isn’t hard because of math; it’s hard because of emotion. When the market’s up, confidence soars and it feels easy to believe the good times will keep rolling. But when the market dips, fear takes over, and that emotional roller coaster can lead to costly mistakes. In this episode, we explore the critical difference between reacting and reasoning, between emotional investing and intentional planning. You’ll learn how to: - Recognize the emotional traps that cause investors to buy high and sell low - Develop a disciplined plan that keeps you grounded through market ups and...
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Estate Planning: It's Not Just for the Wealthy - It's for the Wise
Providence Financial Retirement Show with Anthony Saccaro
When most people hear the words "estate plan", they picture the ultra-wealthy - people with vacation homes, mansions, and millions in the bank. But here’s the truth: estate planning isn’t about how much you have, it’s about what happens to your loved ones when you’re gone. In this episode, we’ll break down what an estate plan really is, and why everyday families in California need one. If you own a home or have more than $184,500 in assets, you could be subject to probate, a long and expensive court process that delays your estate from passing smoothly to your heirs. We’ll unpack...
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8 Smart Tax Moves to Make Before 2025 Ends
Providence Financial Retirement Show with Anthony Saccaro
The calendar is winding down, and while most people are focused on the holidays coming up, the smart ones know this is also crunch time for tax planning. Once December 31st hits, many of your opportunities to save on taxes disappear, so now is the moment to act. In today’s episode, I’m walking you through eight smart, year-end strategies that can help lower your tax bill and keep more of your hard-earned money where it belongs - with you. Here’s what we’ll dig into: - How to make the most of retirement account contributions before the deadline - When it makes sense to do a Roth IRA...
info_outlineWe take the time this week to explore the evolving dynamics of retirement planning. Gone are the days when a 30-year tenure at a single company culminated in a comfortable pension and a worry-free retirement. Today, retirees face a complex array of challenges, including inflation, market volatility, and the gradual disappearance of traditional pension plans.
We delve into how the Federal Reserve's monetary policies influence interest rates, impacting both savings and investment returns. We also discuss the shift from defined benefit to defined contribution plans, placing more responsibility on individuals to manage their retirement savings effectively.
With life expectancies extending into the late 80s and beyond, the need for a sustainable retirement income strategy has never been more critical. We also address your listener questions, providing insights into creating a resilient financial plan that accounts for longer lifespans, healthcare costs, and the need for income distribution strategies that adapt to changing economic conditions.
Listen in.
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