That unexpected IRS notice in your mailbox might be the first warning shot. On this episode, Raj Shah and Rick Borek break down what really happens when retirement meets taxes, market volatility, and required minimum distributions. The conversation covers RMD timing, Roth IRA conversions, managing risk after leaving the workforce, and why old 401(k)s often become costly “set‑it‑and‑forget‑it” accounts. The discussion goes beyond performance, focusing on income planning, tax efficiency, and portfolio structure as investors transition from accumulation to retirement confidence.

For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com

Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner.

See omnystudio.com/listener for privacy information.

Gold prices are soaring to record highs — but does that make it a smart move for your portfolio? On this episode, Raj Shah & Rick Borek break down the hype around gold, explores when it helps and when it hurts, and reveals why high‑net‑worth investors often prioritize predictable income over big risks. From gold IRAs to donor‑advised funds, tax strategy, and safeguarding wealth in volatile markets, this conversation helps listeners rethink how to protect what they've built and plan smarter for retirement.

For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com

Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner.

See omnystudio.com/listener for privacy information.

Unexpected financial pressures are forcing Americans to make tough choices—and many are eyeing their retirement accounts. In this episode, the SC Wealth Advisors team breaks down what really happens when you tap your savings and explores smarter ways to manage rising expenses, taxes, and market uncertainty. They unpack the realities behind political noise, portfolio risk, healthcare costs, Roth conversions, and strategies for building predictable income. It’s a practical, clear‑eyed look at staying financially confident, even when headlines shift daily.

For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com

Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner.

See omnystudio.com/listener for privacy information.