{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Retirement Answer Man","title":"Retirement Talk with Dr. Wade Pfau","html":"<iframe width=\"100%\" height=\"180\" frameborder=\"no\" scrolling=\"no\" seamless src=\"https://share.transistor.fm/e/3625521e\"></iframe>","width":"100%","height":180,"duration":3669,"description":"💬 Show Notes\n\nWade Pfau, author of The Retirement Planning Guidebook and creator of the Retirement Income Style Awareness (RISA®) assessment joins Roger for a wide-ranging conversation on the big questions of retirement income planning. Wade breaks down why the RISA is a better fit for retirement than a traditional risk tolerance questionnaire, how to think about real estate and reverse mortgages as retirement tools, and what the research actually says about annuities — including when to buy, whether to add inflation protection, and how fixed index annuities with living benefits really work. This podcast is a replay of a recent Rock Retirement Club meetup where members were able to join live and ask questions.\n\nOutline Of This Episode Of The Retirement Answer Man\n(00:00) Roger previews the episode and invites listeners to register for Noodle Live — a Saturday morning Zoom on March 28 at livewithroger.com\nCONVERSATION WITH DR. WADE PFAU\n(02:00) Roger introduces Wade Pfau, author of The Retirement Planning Guidebook \n(04:15) RISA vs. risk tolerance questionnaires\n(10:45) How to use The Retirement Planning Guidebook\n(12:00) AI in retirement research\n(14:30) RRC Member Question: How does real estate fit into retirement planning?\n(17:00) Reverse mortgages as a retirement tool — usage trends, how the HECM line of credit works, upfront cost hurdles, and why adoption remains low\n(21:30) RRC Member Question: What is an effective marginal tax rate (EMR) and how does it affect Roth conversion strategy? \n(25:00) Navigating ACA subsidy cliffs before Medicare\n(28:00) RRC Member Question: Fixed vs. inflation-adjusted annuities\n(33:00) Annuity timing\n(37:00) RRC Member Question: Should we explore intentionally breaking the ACA cliff every few years?\n(48:00) Fixed index annuities with living benefits vs. income annuities\n(53:00) RRC Member Question: Is there an optimal age window for buying an annuity if it's a \"nice to have\" rather than a must?\n(57:00) Interpreting retirement...","thumbnail_url":"https://img.transistorcdn.com/ZpX_mjyJlNc9EkcOXxrNJpkZJfbQBcKxxEeVTSEjAo4/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS8zZWM3/NGVlZDE5ZDYyZGY1/MjJlZWUzMmIzODM1/ODlkNS5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}