How Fed Rate Cuts Could Impact Your Retirement
Providence Financial Retirement Show with Anthony Saccaro
Release Date: 09/08/2025
Set It and Forget It? Not in Retirement
Providence Financial Retirement Show with Anthony Saccaro
Many retirement plans are built with a “set it and forget it” mindset. As long as account balances look steady, it’s easy to assume everything is working. But retirement doesn’t work that way. In this episode, we talk about why the biggest risk in retirement isn’t always a market drop. It’s the false sense of security that comes from calm markets and stable-looking statements. Real stability isn’t tested when things are quiet. It’s tested when income is needed, expenses continue, and markets don’t cooperate. We explain why retirement planning can’t be passive, why income...
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Rethinking the 3-Bucket Strategy in Retirement
Providence Financial Retirement Show with Anthony Saccaro
The “3-bucket strategy” is one of the most commonly used frameworks in retirement planning. Growth, conservative, and cash buckets may sound simple, but the rules governing how they work change dramatically once you retire. Most traditional 3-bucket strategies are built around one core assumption: that retirement income will be generated by selling assets. The cash bucket is meant to be spent down, the conservative bucket tapped next, and the growth bucket left untouched until markets recover and refill the others. The problem? Retirement doesn’t always give you the luxury of waiting for...
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The Paycheck Test
Providence Financial Retirement Show with Anthony Saccaro
January has a way of restoring structure to daily life. The holidays fade, routines return, and expenses begin to arrive with predictable regularity. While working, that structure was anchored by a paycheck which was showing up consistently and making life feel manageable. Retirement quietly removes that framework. And if you’re not careful, it replaces freedom with uncertainty. In this episode, we explore the critical difference between taking income from a portfolio and simply making withdrawals. We introduce what we call the Paycheck Test: does your retirement strategy deliver income with...
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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...
info_outlineOver the past few months, the economic debate has heated up: the Federal Reserve is weighing the possibility of lowering interest rates, President Trump has already extended corporate tax cuts, and the national debt continues to soar. What does all of this mean for your retirement security?
In this episode, we unpack how lower rates could affect everything from your 401(k) and pension returns to the cost of borrowing in retirement. We’ll also explore why Trump is pressing for lower rates — arguing it will ease pressure on the ballooning national debt and further stimulate business growth following his extension of corporate tax cuts.
But not everyone agrees. Democrats continue to push for raising taxes on the wealthy as their answer to debt and inequality, setting up a stark contrast in economic philosophy. One side wants to grow the economy by slashing taxes and borrowing more cheaply; the other says it’s time for the top earners to shoulder the load.
As markets, policymakers, and retirees all brace for the Fed’s next move, we’ll break down the stakes, the politics, and what it means for your financial future. Listen in.
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