In this episode, Shawn breaks down the complexities of retirement planning into a clear, actionable framework designed to empower you. You'll discover how to overcome common fears, such as running out of money or needing to work past retirement age, by understanding Shawn's "Retire Happy Framework." This episode serves as your guide to securing a fulfilling and stress-free retirement, no matter where you are in your planning journey. Tune in to take control of your financial future with confidence.

In this episode, Shawn discusses:

• The need for comprehensive retirement planning
• The changing nature of retirement benefits
• Managing risks in retirement
• Planning for healthcare in retirement

Key Takeaways:

• Merely having retirement accounts like a 401(k) or IRA is not enough; it is crucial to develop a comprehensive plan that includes a well-thought-out drawdown strategy to ensure you don't outlive your savings and maintain financial stability throughout retirement.
• As the availability of company-sponsored pensions decreases, individuals must take greater responsibility for their retirement by starting to save early, carefully managing investments, and planning for a retirement that could span several decades.
• Successfully navigating retirement requires a proactive approach to managing six key risks—market risk, taxation risk, inflation risk, withdrawal risk, sequence of returns risk, and longevity risk—each of which can significantly impact the sustainability of your retirement income.
• Factoring in the potential costs of healthcare and long-term care is essential when planning for retirement, as these expenses can be substantial, unpredictable, and have a major impact on your financial resources over time.

"Remember, the only one who can help your older self is your younger self. Right? So let's plan today." — Shawn Maloney

Get a free copy of Shawn’s book “The Priority of Retirement” here- https://www.retirewisepro.com/the-priority-of-retirement

Contact Shawn:

Website- https://www.retirewisepro.com/

YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg

LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise

Instagram- https://www.instagram.com/retirewise_llc/

Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

About Raymond Lavine: Raymond Lavine is a seasoned advocate and expert in Long-Term Care (LTC) insurance and the principal at Lavine LTC Benefits. Drawing from personal family experiences and decades of industry insight, he is passionate about helping individuals prepare for future care needs. A decorated U.S. Army veteran, Raymond served with distinction in the 82nd Airborne and 173rd Airborne Brigade in Vietnam, where he earned the Bronze Star and Purple Heart. His military background instilled in him a deep sense of empathy and a mission-driven approach to serving others through financial planning and LTC advocacy.

In this episode, Shawn and Raymond Lavine discuss:

• The real-life impacts of long-term care needs on families and finances
• Why financial literacy and early planning are essential for LTC
• Common myths and misconceptions about long-term care insurance
• The role of LTC in a comprehensive estate and retirement plan

Key Takeaways:

• "Nobody has that much money to pay for both their lifestyle and caregiving." Planning is essential, even for high earners.
• Long-term care isn't just for the elderly—it can be triggered by accidents, illness, or cognitive issues at any age.
• LTC insurance offers peace of mind and preserves cash flow for maintaining your lifestyle.
• Your health, finances, and readiness to act all affect the options available to you—don't wait until it's too late.

"Do you think that this plan can help you? If you don't think it can help you, or you don't understand why it can help you, that's where you first need to know." - Raymond Lavine

Connect with Raymond Lavine:

Email: raymond@lavineltcins.com

LinkedIn: https://www.linkedin.com/in/ltc-benefits/

Get a free copy of Shawn’s book “The Priority of Retirement” here- https://www.retirewisepro.com/the-priority-of-retirement

Contact Shawn:

Website- https://www.retirewisepro.com/

YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg

LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise

Instagram- https://www.instagram.com/retirewise_llc/

Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

Raymond Lavine is not a client, nor should his appearance in this advertisement be construed as an endorsement of Shawn Maloney or Retire Wise LLC. Lavine LTC Benefits is not affiliated with Retire Wise LLC. or AEWM.

The information and opinions contained are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual's situation.

Review # 02958997-4/25

About Jet Vertz: Jet Vertz is a retired aviation executive with a distinguished career at Pratt Whitney Aircraft and US Navy service. Holding degrees in aerospace engineering and an MBA, he now leads the Purpose-Driven Retirement Workshop at the University of Rhode Island. An active retiree who enjoys snowboarding and surfing, Jet is passionate about helping professionals transition to meaningful, fulfilling retirements by emphasizing financial preparedness, continued learning, and community engagement.

In this episode, Shawn and Jet Vertz discuss:

• Jeff's background in the Navy and aviation
• Staying physically and mentally active in retirement
• Creating meaningful activities after a career
• Financial planning for retirement
• Importance of continuing education and community engagement

Key Takeaways:

• Prioritize financial planning with savings and annuities for retirement security.
• Find purpose beyond personal interests through meaningful activities.
• Maintain physical and mental health through active hobbies and engagement.
• Invest in continuous learning and community involvement during retirement.

"Continuing education is something you do for yourself to stay cognitively sharp. And community engagement is about giving back to your community, country, and a world. " - Jet Vertz

Connect with Jet Vertz:

Email: jet.vertz@gmail.com

LinkedIn: https://www.linkedin.com/in/jetvertzprofile/

Get a free copy of Shawn’s book “The Priority of Retirement” here- https://www.retirewisepro.com/the-priority-of-retirement

Contact Shawn:

Website- https://www.retirewisepro.com/

YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg

LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise

Instagram- https://www.instagram.com/retirewise_llc/

Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

Jet Vertz is not a client, nor should his appearance in this advertisement be construed as an endorsement of Shawn Maloney or Retire Wise LLC. Formerly with Pratt Whitney Aircraft and US Navy Service, are not affiliated with Retire Wise LLC. or AEWM.

The information and opinions contained are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual's situation.

Review # 02994394-04/25

About Fritz Gilbert: Fritz Gilbert is the founder of The Retirement Manifesto, a platform dedicated to helping people transition into retirement with confidence. After decades in the corporate world, Fritz retired early and now shares his insights on financial independence, purposeful living, and making the most of retirement. Through his blog, book, and speaking engagements, he provides actionable strategies for navigating the emotional and financial aspects of post-career life.

In this episode, Shawn and Fritz Gilbert discuss:

• The biggest emotional challenges people face when transitioning into retirement
• How to create a purpose-driven life after leaving the workforce
• Smart financial strategies to ensure a secure retirement
• The importance of "Freedom, Friends, and Fun" in a fulfilling retirement
• Mistakes to avoid when planning for early retirement

Key Takeaways:

• Retirement isn't just about finances—it’s about having a clear purpose to maintain fulfillment.
• Planning for retirement should start early, focusing on savings, investment strategies, and lifestyle goals.
• A structured routine helps retirees avoid boredom and maintain a sense of direction.
• Downsizing and smart financial decisions can ensure long-term financial security.

"Once you get into retirement, you realize it's not about the money at all, right? It's about finding those fulfilling things, finding your purpose, finding things God wants you to do." - Fritz Gilbert

Get a free copy of Shawn’s book “The Priority of Retirement” here: https://www.retirewisepro.com/the-priority-of-retirement

Contact Shawn:

Website- https://www.retirewisepro.com/

YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg

LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise

Instagram- https://www.instagram.com/retirewise_llc/

Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

Fritz Gilbert is not a client, nor should his appearance in this advertisement be construed as an endorsement of Shawn Maloney or Retire Wise LLC. The Retirement Manifesto is not affiliated with Retire Wise LLC. or AEWM.

The information and opinions contained are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual's situation.

Review # 02958997-3/25