Podcast
Providence Financial Retirement Show with Anthony Saccaro
Hosted by Anthony A. Saccaro, ChFC, Esq. · EN
What you don't know CAN hurt you! Retirement is the most expensive purchase you'll ever make and, because you only get one shot, you better get it right. This show is dedicated to helping retirees and Baby Boomers learn what they need to know so they can make informed decisions and retire successfully. And best of all, we make it understandable! If you want to learn how to avoid some of the more common mistakes I've seen retirees and Boomers make over the last two decades, tune in; and if you like what you hear, kindly consider giving us a review. It helps our show reach more people like you.
27episodes
Episodes
Newest firstAll episodes
How to Stop Draining Your Portfolio
1w ago00:45:32Tap to summarizeIs your retirement plan built to create lasting income, or are you slowly draining your portfolio? In this week's episode, we explain the key differences between an income strategy and a withdrawal strategy, and why that distinction matters more than most retirees realize. We also discuss Social Security timing, Roth conversions, taxes, RMDs, and how these decisions work together to impact your long-term retirement security. Your retirement plan should be designed to create dependable income, reduce financial stress, and help you avoid running out of money later in life. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
Transcribe →Can Your Retirement Survive a Stress Test?
2w ago00:45:58Tap to summarizeMost retirees know about market risk, but that's only one piece of the puzzle. In this week's episode, we explore the hidden risks that can quietly derail an otherwise solid retirement plan if you're not prepared for them ahead of time. We break down how to stress test your portfolio against some of the biggest threats retirees face today, including inflation, rising taxes, sequence of returns risk, long-term care expenses, behavioral mistakes, and even the financial impact of losing a spouse. You'll learn why a retirement plan that looks great on paper may still have dangerous weak spots, how to identify the pressure points in your own strategy, and what practical steps you can take now to create more confidence and stability for the future. Because retirement isn't just about growing your money. It's about making sure your plan can survive when life doesn't go according to plan. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
Transcribe →Why Retirement Is Harder than Ever - and How to Get It Right
3w ago00:42:19Tap to summarizeFifty years ago, retirement was simple. Today, it's anything but. In this episode, we unpack why modern retirement planning is more complex (and more risky) than ever before. With people living longer and financial responsibility shifting from employers to individuals, the margin for error is smaller than ever. From deciding when to take Social Security to managing your own investments without a pension, the responsibility is now on you. We also cover key changes like required minimum distributions, Roth strategies, and rising healthcare costs, and why more retirees today fear running out of money more than anything else. If you're approaching retirement or already there, this conversation will help you avoid common mistakes and build a strategy focused on what matters most: reliable income for life. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
Transcribe →How to Build a Retirement Plan You Can Trust in Any Market
Apr 2700:47:03Tap to summarizeThe market dropped, then quickly recovered. But what if next time it doesn't? In this episode, we break down why recent market rebounds can create a false sense of security, and how that mindset can quietly put your retirement at risk. Because history shows the market doesn't always bounce back quickly, and sometimes not at all - for years. We also tackle key questions: - Should you just ride out volatility, or make changes as you get closer to retirement? - What happens if the market drops right before (or after) you retire? - How do you avoid relying on growth when you actually need income? You'll learn why having a true plan matters, how to evaluate your current strategy, and the steps you can take now to create stability and real peace of mind, no matter what the market does next. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
Transcribe →Smart Moves or Costly Mistakes? Your Retirement Questions, Answered
Apr 2000:45:20Tap to summarizeRetirement isn't just about how much you've saved. It's about the decisions you make once you get there. In this Q&A episode of the Providence Financial Retirement Show, we tackle some of the biggest (and most misunderstood) retirement questions that can have a massive impact on your long-term income and peace of mind. Should you delay Social Security - or take it as soon as possible? The answer depends on more than just age. We walk through how longevity, spousal benefits, and income needs can shift the math, sometimes making delay incredibly valuable, and other times making early claiming the better move. Do Roth conversions really make sense? Paying taxes now to save later isn't always an easy decision. We break down when Roth conversions can help reduce future tax burdens, avoid higher brackets, and create flexibility, and when they may not be worth it. What happens if the market drops right after you retire, even if you've saved $1M+? This is one of the biggest fears retirees face. We explain sequence-of-returns risk, why early losses can have an outsized impact, and how having the right income strategy can help you avoid panic and stay on track. These are the kinds of decisions that don't have one-size-fits-all answers; but getting them wrong can be costly. This episode is designed to help you think through the trade-offs so you can make more confident, informed choices. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
Transcribe →The Ticking Time Bomb of Retirement Taxes
Apr 1300:45:56Tap to summarizeMost retirees think taxes are something you "deal with later." But that mindset can quietly create one of the biggest financial risks in retirement. In this episode of the Providence Financial Retirement Show, we break down what we call the ticking tax time bomb - the buildup of pre-tax retirement savings that can lead to rising required minimum distributions, unexpected tax brackets, and even higher taxes on Social Security and Medicare costs. You'll learn why traditional "tax-deferred" savings strategies may create long-term consequences, and how proactive planning can help you take control instead of reacting later. We also discuss how Roth conversions and smart withdrawal planning can help you manage taxes across your retirement, not just in one year. This is not about avoiding taxes. It's about controlling when and how you pay them so you can keep more of what you've worked for. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
Transcribe →Retirement in Uncertain Times
Apr 600:45:03Tap to summarizeLast week, we talked about war and market volatility. But what if the biggest risks to your retirement aren't the headlines at all? In this episode, we go a level deeper, uncovering the less obvious forces shaping your financial future right now. From rising energy costs and persistent inflation to interest rates and global instability, these underlying shifts can quietly impact your income, your expenses, and how long your money lasts. We also tackle some of the most important questions retirees are asking today: - How do you know if you're truly ready to retire? - What does it really mean to turn savings into reliable income? - When is the right time to claim Social Security? - How can taxes impact your retirement more than you expect? The truth is, retirement isn't about how much you've saved; it's about how your money works for you. And in uncertain times, clarity around your income strategy becomes more important than ever. If you're looking to move from uncertainty to confidence, this episode will help you connect the dots and see the bigger picture. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
Transcribe →War, Volatility and Your Retirement
Mar 3000:45:20Tap to summarizeWith global tensions rising and headlines dominated by war, uncertainty, and market swings, it's no surprise that many retirees are feeling uneasy. Watching your portfolio dip hits differently when you're no longer earning a paycheck.It's not just numbers anymore, it's your income, your lifestyle, and your future. But here's the real question: is the current volatility actually the problem… or is it simply revealing something deeper? In this episode, we cut through the noise and focus on what truly matters. We break down how markets typically respond to geopolitical events, why uncertainty creates volatility, and what history shows us about these moments over time. More importantly, we uncover the real risk retirees face - one that has far less to do with headlines and far more to do with how a retirement plan is structured. From the dangers of relying on market performance for income, to the impact of sequence of returns risk and emotional decision-making, this conversation brings clarity to what can feel overwhelming. Because in uncertain times, the right strategy makes all the difference. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
Transcribe →The Everyday Guide to Financial Terms
Mar 2300:44:29Tap to summarizeEver walked out of a meeting with a financial advisor thinking… "I should understand this, but I don't"? You're not alone. The world of finance is packed with industry jargon that can turn important conversations into confusing ones, leaving you unsure, overwhelmed, and sometimes hesitant to ask questions. In this episode, we break down the language barrier. From terms like "basis points" and "alpha" to more complex concepts like "Monte Carlo simulations," we unpack what these phrases actually mean in real-life terms, and why they matter to your financial future. More importantly, we talk about why clarity isn't just helpful - it's essential. When it comes to retirement planning, you deserve to fully understand the strategy behind your money. Because confidence comes from clear explanations. If you've ever nodded along in a meeting while secretly wondering what was just said, this conversation is for you. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
Transcribe →The #1 Risk to Your Retirement
Mar 1600:48:25Tap to summarizeWhat's the biggest threat to your retirement? Most people assume it's the stock market, inflation, taxes, or Social Security changes. But in this episode of the Providence Financial Retirement Show, we explain why the real risk may actually be uncertainty. When you're retired and relying on your portfolio for income, market volatility, global events, and rising interest rates can create stress and difficult decisions. We discuss: Why emotional reactions to market volatility can damage retirement plans How global events, from wars to energy prices, can ripple into your retirement The hidden danger of sequence of returns risk early in retirement How building predictable income streams can reduce financial stress in retirement Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
Transcribe →