Smart Retirement Strategies: How to Maximize Income and Minimize Taxes
Providence Financial Retirement Show with Anthony Saccaro
Release Date: 07/21/2025
A New Year Doesn't Fix an Old Plan
Providence Financial Retirement Show with Anthony Saccaro
Happy New Year to all our followers, and welcome to Season 7 of the podcast! Every January carries the promise of progress. The calendar flips, routines reset, and we make the assumption that something meaningful has changed - simply because the date has. But time passing is not the same as progress being made. Our first podcast of 2026 explores the dangerous comfort of automatic optimism and why unchanged habits, outdated strategies, and unreviewed plans often produce the same results year after year. From gym memberships that never turn into daily discipline to financial plans that haven’t...
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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...
info_outlineA successful retirement isn’t just about how much you’ve saved — it’s about how wisely you manage it. In this episode, we walk through some of the most effective strategies for turning your nest egg into lasting, tax-efficient retirement income.
We’ll cover:
✔️ Tax-saving moves that can keep more money in your pocket
✔️ When annuities make sense—and when they don’t
✔️ How to structure your portfolio for growth and stability
✔️ Smart timing strategies for claiming Social Security
✔️ How all of these pieces work together to create a secure retirement
Whether you’re already retired or planning ahead, this episode is packed with actionable insights to help you avoid costly mistakes and retire with confidence. Listen in.
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LET’S CONNECT
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