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.

Are your hard‑earned 401(k) gains safe as you approach retirement? On this episode, Raj Shah and Rick Borek explore how record market highs can create both excitement and anxiety for investors on the cusp of leaving the workforce. They break down strategies for protecting recent growth, leveraging in‑service rollovers, reverse‑engineering retirement income, and building a “fun bucket” that supports the lifestyle you’ve envisioned. With real client examples and practical planning insights, the conversation highlights how thoughtful structure—not chance—shapes a confident 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.

The market may be soaring, but is your portfolio ready for what comes next? In this episode, Raj Shah and Rick Borek break down why three straight years of market gains create both opportunity and risk—especially for those nearing retirement. They discuss strategies for protecting hard‑earned returns, reallocating underperforming holdings, managing taxes efficiently, and planning income across short‑, mid‑, and long‑term needs. With real‑world examples and practical perspective, this conversation helps listeners rethink their financial approach as they step closer to 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.

What happens when three straight years of market gains collide with retirees’ growing worries? On this episode of Unleash Your Wealth Podcast, Raj Shah and Rick Borek break down why so many near‑retirees are rethinking risk, income needs, and portfolio structure heading into 2026. From blended strategies that balance protection with growth to navigating Social Security, pensions, and spousal income gaps, they walk through real scenarios that highlight how financial planning shifts as retirement nears. A clear, practical conversation designed to help listeners better understand the moving parts of their own long‑term plan.

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.

What if the biggest threat to your retirement isn’t the market—but the assumptions you make about it? In this episode, Raj Shah and Rick Borek break down why emergency funds, Social Security timing, and portfolio risk aren’t one‑size‑fits‑all decisions. They explore real stories of people questioning when to retire, how much cash to keep, and whether they’re truly prepared for downturns. You’ll hear why market cycles vary, how guaranteed income strategies can help stabilize retirement plans, and why personalized analysis beats rules of thumb every time.

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.

Retirement isn’t just about saving money — it’s about turning savings into dependable income that lasts. On this episode, Raj Shah and Rick Borek unpack real-life strategies for creating predictable retirement income, navigating rising living costs, and making informed decisions about Roth options, catch-up contributions, and Social Security timing. They break down why cookie‑cutter retirement “rules” often fail and how personalized planning can close income gaps, protect spouses, and build confidence for the decades ahead.

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.