"Unretired" & Inspired - A Retirement Planning Podcast

Caleb and Riley are on a quest for The Holy Grail of retirement - that is, the ability to maximize spending in a way that is sustainable without any uncomfortable changes, no matter how long you live.   Learn more about: Accumulation vs Deaccumulation How does inflation and future tax rates factor in to your retirement planning Sequence of Return Risk and what volatile market performances can do to your long term investment performance Longevity Risk and trying to account for how long your retirement years may be   Memorable Quotes “Retirement income planning is one of the nastiest, hardest problems we face in financial planning“ “The holy grail of retirement is you spend the maximum amount early in retirement, without the fear of running out of money, without having to make any unexpected changes to how much you spend” “The biggest financial problem retirement is this: how much money should we be withdrawing, on a monthly basis, from our portfolio once we stop working? How quick or how slow and by how much should we be drawing down our money and spending it?" Resources The 2017 Retirement Confidence Survey Hosted by Caleb Miller and Riley Anderson of InvestorDNA Meet Caleb and Riley Book a Call Subscribe on Apple Podcasts Subscribe on Spotify Subscribe on Google Podcasts

Caleb and Riley are talking about what to do in the middle of a global crisis. It may be your instinct to try to adjust your investment strategies as a crisis emerges, but is it the best course of action? Learn more about: What to do with your investment strategy in times of uncertainty How people react to these market dips and how panic often drives it History of average market declines after major financial crises and where they were one year later When is the right time to invest extra money? Memorable Quotes “We should be expecting the market to go up and go down and for various storms to happen. If the market is crashing for some reason it doesn’t make sense to make an investment decision on this, because the media is giving a certain thing certain attention at a certain point in time." “If I’m timing the market I’m basically saying that I can predict the best 10 days over the 4,000 days. That’s what the statement for someone to make!” “If someone asks, I have some extra money is now a good time to invest? The answer is always yes, as long as there is an appropriate goal for the money"   Resources Even God Couldn’t Beat Dollar-Cost Averaging William N. Goetzmann and Dasol Kim - 2017 Hosted by Caleb Miller and Riley Anderson of InvestorDNA Meet Caleb and Riley Book a Call Subscribe on Apple Podcasts Subscribe on Spotify Subscribe on Google Podcasts

Caleb and Riley are looking at successful retirement and your portfolio performance. While we know portfolio success is measured by rate of return, not many people understand the actual concept of rate of return. Learn more about: Understanding the difference between Accumulators (wealth builders) and Decumulators (retirees) Why performance is not a good measure of success and how people incorrectly compare performance Shifting focus from performance based investing to goal based investing   Memorable Quotes “They hit this retirement point, and all of a sudden it’s not about growing your wealth anymore, as it is about using your wealth. That was the point of growing your wealth, so that you could live off of it. That’s the whole concept of retirement“ “I don’t know if someone can have a robust retirement and their goal being a certain percentage rate of return, or a certain portfolio size. To help you do what? Why? The money is there to fund a purpose not find a purpose” There are really two problems that retirees have when it comes to performance: One, they use performance as a measure of success. Problem two, they evaluate that performance incorrectly“   Hosted by Caleb Miller and Riley Anderson of InvestorDNA Meet Caleb and Riley Book a Call Subscribe on Apple Podcasts Subscribe on Spotify Subscribe on Google Podcasts

Caleb and Riley are discussing what the game of chess can teach us about preparing for retirement. Chess can offer some wonderful insights into preparing our savings in a way that allows us to squeeze the most out of retirement income. Understanding the rules of the game and focusing on what you can control are two key parts of a winning retirement strategy. Learn more about: - Putting the right pieces of retirement in the right spots - Understanding the rules and abilities of each piece of your retirement - Developing a plan to use your retirement pieces together - The importance of preparing your assets 3-5 years before retirement at a minimum Resources Importance of withdrawal order in retirement Hosted by Caleb Miller and Riley Anderson of InvestorDNA Meet Caleb and Riley Book a Call Subscribe on Apple Podcasts Subscribe on Spotify Subscribe on Google Podcasts

Caleb and Riley are looking at a wide range of resources examining behavioral finance and how it can impact your retirement. We all have cognitive biases that can manifest in our investing, and it is important to remove those emotions. The sensible approach to investing for retirement should look to eliminate behavioral bias and make decisions with a data driven algorithmic strategy. Learn more about: - Tactical Allocation Vs Static Indexing - The role human behavior plays in investing - Shifting from a short-term investment strategy to a long-term investment strategy Memorable Quotes “Often in short-term decisions is where emotional bias exist. That is where they live. They live in the right now choices“ Resources Understanding behavioral finance can help advisors working with retirees Ten Ways Behavioral Finance Can Boost Retirement Security Tactical Allocation Vs Static Indexing: Which One Wins? Column: Legendary investment guru Peter Lynch says the move to index funds is a ‘mistake.’ He’s wrong Financial protection tactics as you near retirement Self-Directed Investors: Insights and Experiences April 2021 Here Are the 3 Biggest Mistakes Retirees Make, and How to Avoid Them Behavioral Finance: Understanding How Biases Impact Decisions Why most investors underperform the markets Hosted by Caleb Miller and Riley Anderson of InvestorDNA Meet Caleb and Riley Book a Call Subscribe on Apple Podcasts Subscribe on Spotify Subscribe on Google Podcasts

How early is too early to start planning retirement? Should someone in their thirties look to work with a Retirement Advisor? Caleb and Riley of InvestorDNA are asking which decades in your life make the most sense to work with a Retirement Advisor and what the process may look like from decade to decade. Learn more about how to make your retirement planning more efficient and save you on taxes. Learn more about: - Income planning and withdrawal planning - Shifting your mindset from accumulation to decumulation - The top questions you should be asking a Retirement Advisor you are considering working with - Using the right tool for the job Memorable Quotes “You can’t control the weather, but you can control your planning” Hosted by Caleb Miller and Riley Anderson of InvestorDNA Meet Caleb and Riley Book a Call Subscribe on Apple Podcasts Subscribe on Spotify Subscribe on Google Podcasts

Where did the idea of retirement come from and what is the best reason to retire? In this episode of Awe-Inspired and Retired, Caleb and Riley are sharing more about the history of retirement, and the disadvantages of a forced retirement versus planning retirement with purpose. Learn more about: - The origin and purpose of retirement in Ancient Rome - Otto Van Bismarck - How increased life expectancy has impacted retirement and retirement planning - The 5 most meaningful reasons to retire Memorable Quotes “Don't buy your home gym before you have decided if you want to work out, and don't try to find your meaning of life before you have even realized what you enjoy. Take baby steps” Resources Angus Reid Institute Research on Retirement in Canada I Just Retired. Why Am I Unhappy? Hosted by Caleb Miller and Riley Anderson of InvestorDNA Meet Caleb and Riley Book a Call Subscribe on Apple Podcasts Subscribe on Spotify Subscribe on Google Podcasts

Welcome to Awe-Inspired and Retired! In this first episode, Caleb and Riley are sharing more about the purpose of the podcast and the importance of knowing how to retire. Why don’t more people know how to approach retirement? Shifting your mindset from accumulation to deaccumulation and having the right personal retirement plan are pivotal to executing retirement effectively. Learn more about: - A story of someone in the Rubbish Retirement Zone - The importance of having a fulfilling purpose to replace your work with - The danger of underspending in retirement - What 69% of people aren’t doing with their retirement plan Memorable Quotes “Money can’t help you find a purpose, but it can help you fund a purpose” “A deep fulfillment in life and a vision for your wealth that exists outside of the workplace. That is a robust retirement” “You need to Retire before you retire” Resources Retirement Confidence Survey To spend or not to spend? Spending Retirement Assets Retirees don't spend money like they think they will Retirees Aren't Spending Enough of their Nest Eggs Many retirees have a big problem. It isn't what you think. Why Are Retirees Not Spending More? Hosted by Caleb Miller and Riley Anderson of InvestorDNA Meet Caleb and Riley Book a Call Subscribe on Apple Podcasts Subscribe on Spotify Subscribe on Google Podcasts

Welcome to Awe-Inspired and Retired! Caleb Miller and Riley Anderson of InvestorDNA are helping you understand how to plan for retirement, how to work with a Financial Advisor, finding purpose after retiring, and other retirement tips along the way. Be sure to rate and subscribe to Awe-Inspired and Retired on Apple Podcasts, Spotify, or wherever you listen for new episodes every week. Hosted by Caleb Miller and Riley Anderson of InvestorDNA Meet Caleb and Riley Book a Call Subscribe on Apple Podcasts Subscribe on Spotify Subscribe on Google Podcasts