Retirement is about more than numbers—it’s about making smart decisions that fit your life. This episode covers the essentials: income strategies, portfolio choices, and the personal side of financial planning.

• (00:00:02) - Introduction to Income Planning in Retirement
• (00:02:24) - Psychology of Spending in Retirement
• (00:03:38) - Risk Tolerance and Asset Allocation
• (00:06:18) - Retirement Spending Patterns and the Spending Smile
• (00:07:47) - Decline of Pension Plans
• (00:10:32) - Dividend Yields and Portfolio Income
• (00:11:12) - Withdrawal Strategies and the 4% Rule
• (00:13:16) - Asset Location and Tax Strategies
• (00:15:26) - Required Minimum Distributions and Roth Conversions
• (00:17:32) - Qualified Charitable Donations and Mortgage Payoff Decisions
• (00:20:15) - When to Take Social Security
• (00:21:42) - Pension Survivorship and Planning Intersections
• (00:22:23) - The Financial Planning Process: Getting to Know Clients
• (00:23:58) - Setting Goals and Family Dynamics
• (00:25:22) - Implementing the Plan and Probability of Success
• (00:27:12) - Ongoing Review and Client Relationships
• (00:28:55) - Sequence of Returns Risk
• (00:31:10) - Closing Remarks and Contact Information
• (00:32:22) - Disclaimer and Firm Information

This conversation focuses on the evolving role of women in wealth and why a more personalized approach to planning matters, highlighting the key factors that influence long-term financial confidence, clarity, and control.

Featuring: Michael Hall, CFP®, Christina Doss, AAMS® & Sarah Horne, CFP®