Providence Financial Retirement Show with Anthony Saccaro
What you don't know CAN hurt you! Retirement is the most expensive purchase you'll ever make and, because you only get one shot, you better get it right. This show is dedicated to helping retirees and Baby Boomers learn what they need to know so they can make informed decisions and retire successfully. And best of all, we make it understandable! If you want to learn how to avoid some of the more common mistakes I've seen retirees and Boomers make over the last two decades, tune in; and if you like what you hear, kindly consider giving us a review. It helps our show reach more people like you.
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Fiduciary vs. Broker - What's the Difference?
07/20/2026
Fiduciary vs. Broker - What's the Difference?
Not all financial advisors operate under the same rules, or have the same legal obligation to put your interests first. In this week's show, we explain the four primary types of financial advisors, including broker-dealers, insurance agents, registered investment advisors (RIAs), and do-it-yourself investing. You'll also learn the differences between the fiduciary, Regulation Best Interest (Reg BI), and suitability standards, how advisors are compensated, the strengths and limitations of robo-advisors and AI, and the key questions every investor should ask before choosing someone to help manage their financial future. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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The AI Boom: Opportunity or Retirement Risk?
07/13/2026
The AI Boom: Opportunity or Retirement Risk?
AI stocks have driven massive market gains, but are investors ignoring the warning signs? In this week's show, we examine the evidence behind the AI bubble debate, including: - extreme market concentration - rising debt tied to AI infrastructure - spending that far exceeds revenue, - why some legendary investors are sounding the alarm Most importantly, we go over what near-retirees and retirees can do to protect their portfolios and create reliable income even if the AI boom loses momentum. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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The 4 Pillars of Financial Independence
07/06/2026
The 4 Pillars of Financial Independence
In this special Independence Day edition of the podcast, we explain why true financial security isn't measured by your account balance - but by reliable income, adequate liquidity, smart tax planning and a proper estate plan. We also cover the ideal "bridge years" for Roth conversions, whether paying off your mortgage before retirement makes sense, and your listener questions. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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How to Optimize Roth Timing and Social Security Benefits
06/29/2026
How to Optimize Roth Timing and Social Security Benefits
Welcome to another episode of the podcast! This week, we break down key retirement planning strategies that can significantly impact income, taxes, and long-term financial security. The discussion covers optimal timing for Roth conversions during the “bridge years” before required minimum distributions begin, and how strategic use of tax brackets can help create long-term tax-free income. We also explain important considerations like IRMAA and how conversions may affect Medicare premiums. The episode then explores long-term care planning and the evolution of asset-based insurance options that combine care protection with life insurance benefits. Finally, it highlights often-overlooked Social Security strategies, including spousal and divorced survivor benefits that can materially increase lifetime retirement income. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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Social Security, Taxes and Retirement Income
06/22/2026
Social Security, Taxes and Retirement Income
In this listener-driven episode of the Providence Financial Retirement Show, we answer some of the most common retirement questions. Learn why Social Security isn't likely to "go broke," what changes could be made to strengthen the system, and why filing decisions should be based on your personal situation, not fear. We also explain the "tax torpedo" and how IRA withdrawals can unexpectedly increase taxes, Medicare premiums, and the taxation of Social Security benefits. Plus, discover how Roth conversions can help reduce future tax burdens and whether today's higher interest rates make annuities worth considering as part of a retirement income plan. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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How to Avoid Costly RMD Penalties
06/15/2026
How to Avoid Costly RMD Penalties
In this episode of the Providence Financial Retirement Show, we break down the key rules behind Required Minimum Distributions (RMDs) and the mistakes that can trigger steep IRS penalties. You’ll learn how RMD amounts are calculated, why they change year to year, and the critical “aggregation rules” that determine which retirement accounts can (and cannot) be combined when taking withdrawals. The episode also explains one of the most common and costly errors: taking an RMD from the wrong account type, and how that can still result in penalties even if you withdrew the correct total amount. Finally, we explain why proactive planning, including Roth conversions, can help reduce future RMD pressure and give retirees more control over taxable income in retirement. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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Retirement Income, Inflation and Market Risk
06/08/2026
Retirement Income, Inflation and Market Risk
Welcome to another episode of the Providence Financial Retirement Show! This week, we answer four more timely retirement questions received from our listeners: * How do you create income from your savings without running out of money? * Can inflation quietly derail your retirement plan? * Should retirees rely on the stock market to keep pace with rising costs? * How much risk should you really be taking as retirement begins? Find out why withdrawal strategies can create unnecessary stress, how taxes impact retirement income planning, the hidden dangers of relying on market averages, and how to think about balancing growth, income, and preservation as you move into retirement. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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The Truth about Long Term Care, Annuities and Retirement Risk
06/01/2026
The Truth about Long Term Care, Annuities and Retirement Risk
In this week's podcast, we address four important retirement issues listeners are asking right now: 1. Could long-term care wipe out your savings? 2. Are annuities smart protection or a bad investment? 3. Are you taking too much stock market risk in retirement? 4. How do you create income without draining your portfolio? You’ll learn why Medicare may not cover long-term care the way you think, the truth about annuities, how sequence-of-returns risk can damage retirement plans, and why living off interest and dividends may create more peace of mind than relying on withdrawals alone. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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Estate Planning Isn't Just for the Rich
05/25/2026
Estate Planning Isn't Just for the Rich
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 the essential building blocks of an effective estate plan, including: - Living Trusts – how they keep your estate out of probate and protect your privacy - Healthcare Directives – making sure your wishes are honored if you can’t speak for yourself - Living Wills – defining the care you want in advance - Powers of Attorney – naming someone you trust to make decisions on your behalf Your estate plan is one of the greatest gifts you can give your loved ones - not a symbol of wealth, but a plan of protection, clarity, and peace. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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How to Stop Draining Your Portfolio
05/18/2026
How to Stop Draining Your Portfolio
Is your retirement plan built to create lasting income, or are you slowly draining your portfolio? In this week's episode, we explain the key differences between an income strategy and a withdrawal strategy, and why that distinction matters more than most retirees realize. We also discuss Social Security timing, Roth conversions, taxes, RMDs, and how these decisions work together to impact your long-term retirement security. Your retirement plan should be designed to create dependable income, reduce financial stress, and help you avoid running out of money later in life. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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Can Your Retirement Survive a Stress Test?
05/11/2026
Can Your Retirement Survive a Stress Test?
Most retirees know about market risk, but that’s only one piece of the puzzle. In this week's episode, we explore the hidden risks that can quietly derail an otherwise solid retirement plan if you’re not prepared for them ahead of time. We break down how to stress test your portfolio against some of the biggest threats retirees face today, including inflation, rising taxes, sequence of returns risk, long-term care expenses, behavioral mistakes, and even the financial impact of losing a spouse. You’ll learn why a retirement plan that looks great on paper may still have dangerous weak spots, how to identify the pressure points in your own strategy, and what practical steps you can take now to create more confidence and stability for the future. Because retirement isn’t just about growing your money. It’s about making sure your plan can survive when life doesn’t go according to plan. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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Why Retirement Is Harder than Ever - and How to Get It Right
05/04/2026
Why Retirement Is Harder than Ever - and How to Get It Right
Fifty years ago, retirement was simple. Today, it’s anything but. In this episode, we unpack why modern retirement planning is more complex (and more risky) than ever before. With people living longer and financial responsibility shifting from employers to individuals, the margin for error is smaller than ever. From deciding when to take Social Security to managing your own investments without a pension, the responsibility is now on you. We also cover key changes like required minimum distributions, Roth strategies, and rising healthcare costs, and why more retirees today fear running out of money more than anything else. If you’re approaching retirement or already there, this conversation will help you avoid common mistakes and build a strategy focused on what matters most: reliable income for life. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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How to Build a Retirement Plan You Can Trust in Any Market
04/27/2026
How to Build a Retirement Plan You Can Trust in Any Market
The market dropped, then quickly recovered. But what if next time it doesn’t? In this episode, we break down why recent market rebounds can create a false sense of security, and how that mindset can quietly put your retirement at risk. Because history shows the market doesn’t always bounce back quickly, and sometimes not at all - for years. We also tackle key questions: - Should you just ride out volatility, or make changes as you get closer to retirement? - What happens if the market drops right before (or after) you retire? - How do you avoid relying on growth when you actually need income? You’ll learn why having a true plan matters, how to evaluate your current strategy, and the steps you can take now to create stability and real peace of mind, no matter what the market does next. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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Smart Moves or Costly Mistakes? Your Retirement Questions, Answered
04/20/2026
Smart Moves or Costly Mistakes? Your Retirement Questions, Answered
Retirement isn’t just about how much you’ve saved. It’s about the decisions you make once you get there. In this Q&A episode of the Providence Financial Retirement Show, we tackle some of the biggest (and most misunderstood) retirement questions that can have a massive impact on your long-term income and peace of mind. Should you delay Social Security - or take it as soon as possible? The answer depends on more than just age. We walk through how longevity, spousal benefits, and income needs can shift the math, sometimes making delay incredibly valuable, and other times making early claiming the better move. Do Roth conversions really make sense? Paying taxes now to save later isn’t always an easy decision. We break down when Roth conversions can help reduce future tax burdens, avoid higher brackets, and create flexibility, and when they may not be worth it. What happens if the market drops right after you retire, even if you’ve saved $1M+? This is one of the biggest fears retirees face. We explain sequence-of-returns risk, why early losses can have an outsized impact, and how having the right income strategy can help you avoid panic and stay on track. These are the kinds of decisions that don’t have one-size-fits-all answers; but getting them wrong can be costly. This episode is designed to help you think through the trade-offs so you can make more confident, informed choices. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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The Ticking Time Bomb of Retirement Taxes
04/13/2026
The Ticking Time Bomb of Retirement Taxes
Most retirees think taxes are something you “deal with later.” But that mindset can quietly create one of the biggest financial risks in retirement. In this episode of the Providence Financial Retirement Show, we break down what we call the ticking tax time bomb - the buildup of pre-tax retirement savings that can lead to rising required minimum distributions, unexpected tax brackets, and even higher taxes on Social Security and Medicare costs. You’ll learn why traditional “tax-deferred” savings strategies may create long-term consequences, and how proactive planning can help you take control instead of reacting later. We also discuss how Roth conversions and smart withdrawal planning can help you manage taxes across your retirement, not just in one year. This is not about avoiding taxes. It’s about controlling when and how you pay them so you can keep more of what you’ve worked for. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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Retirement in Uncertain Times
04/06/2026
Retirement in Uncertain Times
Last week, we talked about war and market volatility. But what if the biggest risks to your retirement aren’t the headlines at all? In this episode, we go a level deeper, uncovering the less obvious forces shaping your financial future right now. From rising energy costs and persistent inflation to interest rates and global instability, these underlying shifts can quietly impact your income, your expenses, and how long your money lasts. We also tackle some of the most important questions retirees are asking today: - How do you know if you’re truly ready to retire? - What does it really mean to turn savings into reliable income? - When is the right time to claim Social Security? - How can taxes impact your retirement more than you expect? The truth is, retirement isn’t about how much you’ve saved; it’s about how your money works for you. And in uncertain times, clarity around your income strategy becomes more important than ever. If you’re looking to move from uncertainty to confidence, this episode will help you connect the dots and see the bigger picture. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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War, Volatility and Your Retirement
03/30/2026
War, Volatility and Your Retirement
With global tensions rising and headlines dominated by war, uncertainty, and market swings, it’s no surprise that many retirees are feeling uneasy. Watching your portfolio dip hits differently when you’re no longer earning a paycheck.It’s not just numbers anymore, it’s your income, your lifestyle, and your future. But here’s the real question: is the current volatility actually the problem… or is it simply revealing something deeper? In this episode, we cut through the noise and focus on what truly matters. We break down how markets typically respond to geopolitical events, why uncertainty creates volatility, and what history shows us about these moments over time. More importantly, we uncover the real risk retirees face - one that has far less to do with headlines and far more to do with how a retirement plan is structured. From the dangers of relying on market performance for income, to the impact of sequence of returns risk and emotional decision-making, this conversation brings clarity to what can feel overwhelming. Because in uncertain times, the right strategy makes all the difference. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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The Everyday Guide to Financial Terms
03/23/2026
The Everyday Guide to Financial Terms
Ever walked out of a meeting with a financial advisor thinking… “I should understand this, but I don’t”? You’re not alone. The world of finance is packed with industry jargon that can turn important conversations into confusing ones, leaving you unsure, overwhelmed, and sometimes hesitant to ask questions. In this episode, we break down the language barrier. From terms like “basis points” and “alpha” to more complex concepts like “Monte Carlo simulations,” we unpack what these phrases actually mean in real-life terms, and why they matter to your financial future. More importantly, we talk about why clarity isn’t just helpful - it’s essential. When it comes to retirement planning, you deserve to fully understand the strategy behind your money. Because confidence comes from clear explanations. If you’ve ever nodded along in a meeting while secretly wondering what was just said, this conversation is for you. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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The #1 Risk to Your Retirement
03/16/2026
The #1 Risk to Your Retirement
What’s the biggest threat to your retirement? Most people assume it’s the stock market, inflation, taxes, or Social Security changes. But in this episode of the Providence Financial Retirement Show, we explain why the real risk may actually be uncertainty. When you’re retired and relying on your portfolio for income, market volatility, global events, and rising interest rates can create stress and difficult decisions. We discuss: Why emotional reactions to market volatility can damage retirement plans How global events, from wars to energy prices, can ripple into your retirement The hidden danger of sequence of returns risk early in retirement How building predictable income streams can reduce financial stress in retirement Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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When Diversification Falls Short
03/09/2026
When Diversification Falls Short
Retirement changes everything about how your portfolio works. During your working years, you’re adding money and riding out market ups and downs. But once you retire, the strategy flips; you’re taking money out, and market downturns can suddenly become much more dangerous. In this episode of the Providence Financial Retirement Show, we discuss why preparing for retirement risk before it appears is critical to protecting your future income. We explain the shift from accumulation to distribution, why the stock market should never be considered a “safe haven,” and how retirees can create more stability by focusing on income-producing investments. You’ll also hear answers to listener questions about whether Treasury yields are a good place to park retirement money, the important differences between owning individual bonds and bond funds, and why many portfolios that appear diversified may actually be more fragile than investors realize. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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Retire with Confidence - Q&A Edition
03/02/2026
Retire with Confidence - Q&A Edition
This week's podcast is dedicated to listener questions covering the topics that matter most to retirees and those preparing for retirement. From market volatility and retirement timing strategies to estate planning, Social Security timing, Roth conversions, long-term care options, and managing spending disagreements between spouses - this episode provides practical guidance to help you build a retirement plan based on income stability, not market guesswork. You’ll learn how to shift from accumulation-based investing to income-focused retirement strategies, how to protect your legacy with updated estate planning, when Roth conversions may make sense for tax planning, and how modern long-term care solutions have evolved. If you want clarity, confidence, and actionable retirement insights, listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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You Can't Retire on Assets - Only on Income
02/23/2026
You Can't Retire on Assets - Only on Income
You don’t retire on account balances. You retire on income. Many retirees feel uneasy as retirement approaches, even when they’ve saved and invested responsibly for decades. The issue isn’t how much you’ve accumulated. It’s whether your assets have been converted into reliable income. In this episode, you’ll learn: - Why growth investing alone may not work in retirement - When to begin shifting from accumulation to income - The psychological shift from saving to spending - Why withdrawals create anxiety and income creates confidence - How to replace your job paycheck with a portfolio paycheck If your retirement depends on market performance, you may feel uncertain. But when your portfolio produces dependable income through interest and dividends, retirement can feel steady again. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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Social Security Mistakes to Avoid
02/16/2026
Social Security Mistakes to Avoid
Social Security isn’t just a filing decision. It’s a lifetime income strategy. In this episode of the Providence Financial Retirement Show, we break down how Social Security decisions affect not only your monthly check, but your taxes, your spouse’s income, and your long-term financial security. You’ll learn: - Why filing too early can permanently reduce lifetime household income - How survivor benefits really work (and why many widows lose a check) - What spousal benefits mean for couples (and why they’re not automatic) - How recent rule changes may increase benefits for some retirees - Why up to 85% of your Social Security can become taxable - The most common mistakes retirees make, simply because no one explained the system clearly We also share real-life examples of retirees who unknowingly missed benefits for years - not because of bad investing, but because of overlooked planning details. Social Security has more moving parts than most people realize. When coordinated properly with your investments, withdrawals, and taxes, it can become a powerful foundation for retirement income. When it’s not, it can quietly cost you hundreds of thousands of dollars over time. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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Retirement Assumptions that Can Cost You
02/09/2026
Retirement Assumptions that Can Cost You
Most retirement stress doesn’t come from bad decisions. It comes from bad assumptions. In this week's episode of the podcast, we explain why these common beliefs can quietly put pressure on your retirement: • that spending will automatically go down • that markets will always average out • that Social Security will fill the gaps What works during your working years doesn’t always work once income depends on withdrawals. Learn why structure - not prediction - is the key to a more confident, less stressful retirement. Listen now and rethink the assumptions shaping your plan. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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Retirement Myths That Don't Survive in Real Life
02/02/2026
Retirement Myths That Don't Survive in Real Life
Why do you believe what you believe about retirement? Spoiler: it’s probably not because it’s true; but because you've heard it repeated over and over. In this week's show, we challenge the most repeated (and most dangerous) retirement assumptions. The 4% rule, "taxes go down" in retirement, “we’ll adjust later,” and the idea that markets always come back all sound comforting… until real life shows up. We’ll break down why these beliefs deserve a closer look, what actually holds up under pressure, and answer listener questions along the way. Expect a few surprises. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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Retire with Confidence - Q&A Edition
02/02/2026
Retire with Confidence - Q&A Edition
This week's podcast is dedicated to listener questions covering the topics that matter most to retirees and those preparing for retirement. From market volatility and retirement timing strategies to estate planning, Social Security timing, Roth conversions, long-term care options, and managing spending disagreements between spouses - this episode provides practical guidance to help you build a retirement plan based on income stability, not market guesswork. You’ll learn how to shift from accumulation-based investing to income-focused retirement strategies, how to protect your legacy with updated estate planning, when Roth conversions may make sense for tax planning, and how modern long-term care solutions have evolved. If you want clarity, confidence, and actionable retirement insights, listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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Set It and Forget It? Not in Retirement
01/26/2026
Set It and Forget It? Not in Retirement
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 matters more than balance, and why a plan that isn’t reviewed and adjusted can quietly create uncertainty instead of freedom. Because in retirement, “set it and forget it” can be one of the most expensive assumptions you make. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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Rethinking the 3-Bucket Strategy in Retirement
01/19/2026
Rethinking the 3-Bucket Strategy in Retirement
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 markets to cooperate. When volatility hits, investors may be forced to sell assets at the worst possible time. In this episode, we break down why a retirement plan that depends on asset sales requires a very different bucket structure than one designed to generate income. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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The Paycheck Test
01/12/2026
The Paycheck Test
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 the same reliability you once depended on from your employer, or are you just hoping balances hold up? One of the greatest risks in retirement isn’t a market downturn. It’s the illusion that everything must be fine because account values appear stable. True reliability isn’t measured during calm markets; it’s revealed when volatility returns and income is still expected to arrive. This conversation reframes how retirement income should be planned, structured, and experienced. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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A New Year Doesn't Fix an Old Plan
01/05/2026
A New Year Doesn't Fix an Old Plan
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 been stress-tested for volatility or retirement income loss, we examine why forward movement requires more than intention. Like driving across the country using a GPS map from ten years ago, many people are relying on information that no longer reflects reality. Roads have shifted. Conditions have changed. And without deliberate review and adjustment, even well-meaning plans can quietly fail. This show is a call to stop confusing the passage of time with progress, and to start taking the actions that actually move life forward. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET’S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
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