white wise money retirement podcast logo

Roland Financial Wealth Management, LLC
Get Money Management Tips with
Wise Money Retirement

We help individuals and families achieve their financial goals.


Subscribe here to be notified when the latest episode has been added!

Why the 80% Rule for Retirement Income is Mostly Wrong.

One of the primary goals of retirement planning is to figure out how to use your retirement assets in the best way to generate the income you’ll need after you stop working. But to do this, it is important to have a pretty good idea as to the amount of income you’ll actually need. Estimating…

Listen & Read More »

Safe Ways to Balance Risk and Reward for more Retirement Income

There is a very definite and unbreakable connection between risk and reward. Choose a financial instrument that helps provide greater potential returns, and you inevitably increase the degree that your money will be subject to investment loss. If instead you chose safety and protection over growth, expect the compromise of lower rates of return. Many…

Listen & Read More »

4 Steps to a Better Retirement Plan

4 Steps to a Better Retirement Plan Do you have your retirement date set, or have you already retired? And how about your financial plan…. Do you have things squared away? Or are you still working on putting all the pieces together? Creating a financial plan for retirement can be a tough job. There are…

Listen & Read More »

Strategic Roth IRA Conversion

Strategic Roth IRA Conversion How would you like to switch your retirement savings to an account that grows tax-free?  You can make tax-free withdrawals from the account. And you can leave a tax-free inheritance to your heirs.  Right now, there are no restrictions on converting to this tax-free oasis. So, if you’re considering a Roth…

Listen & Read More »

Social Security Millionaire

Social Security Millionaire When it comes to maximizing Social Security retirement benefits, Americans do a horrible job. It’s been reported that only about 4% of retirees make the optimal Social Security claiming decision. That means most people planning to retire will end up losing roughly $2.1 trillion dollars. When people decide to stop working they…

Listen & Read More »

How to have a “Tax Wise” Retirement

How to have a “Tax Wise” Retirement Today, we are talking about taxes and how they can lead to some surprises after retirement. This can be especially scary for anyone nearing retirement. Being “tax-wise” is no longer a concern for only the wealthy. Most fear that increased tax rates are looming on the horizon. That’s…

Listen & Read More »

3 Essential Elements to a Successful Retirement Plan

3 Essential Elements to a Successful Retirement Plan If you are recently retired, it’s time to shift your thinking when it comes to how and why you invest your dollars. You may be looking for the essential elements to a successful retirement plan. You’ve moved from “paycheck” mode into “distribution” mode. But, you might not…

Listen & Read More »

6 Common Retirement Misconceptions

6 Common Retirement Misconceptions Planning for major life events can be very exciting, but it can also be very stressful. These types of events should require some deep thought and a thorough planning process. Some people enjoy the planning process and take the time to do so, while others do not spend as much time…

Listen & Read More »

Could Your Financial Behaviors Wreck Your retirement?

Could Your Financial Behaviors Wreck Your retirement? In recent years, there has been a huge push in the field of “behavioral finance.” That is, what types of behaviors do people that can affect one’s portfolio. That’s what we are going to talk about on the today’s show. We’re going to discuss if it’s possible that…

Listen & Read More »

What To Know About Inflation And Retirement

What To Know About Inflation And Retirement Today’s topic is one that has been in the headlines for quite some time now. It seems inflation is on everyone’s mind, and rightfully so. Since the pandemic hit and stimulus spending began stacking up, there have been discussions of how these bills could impact retirees and their…

Listen & Read More »

Retirement Success Secrets You’ll Want To Know!

Retirement Success Secrets You’ll Want To Know! Today is a big show because… we’re telling secrets! Retirement success secrets! For real though, we are going over some keys to retirement planning that you may not know about. And our goal with the show today is simple. If you are retiring soon, we want you to…

Listen & Read More »

5 Ways to Avoid Running Out of Money In Retirement

5 Ways to Avoid Running Out of Money In Retirement Here’s the thing: We’re all living longer than any generation before us, and those numbers are only rising. With medical advancements and technological achievements, our life expectancy has increased over the years where some can expect to spend potentially three to four decades in retirement….

Listen & Read More »

Retirement Strategies vs Retirement Tools

Retirement Strategies vs Retirement Tools There is a theory that has been going around the financial industry lately. And the theory is the idea of asking yourself a question: “When it comes to your money and your investments, are you focusing your decision-making process on the retirement tools, or are you focusing on a retirement…

Listen & Read More »

Retirement Budget Your Can Create

A Retirement Budget Your Can Create Today’s show is all about living comfortably while retired. You know, when you leave the workforce and enter retirement, you are going from “paycheck” mode to “NO paycheck” mode. That can be a huge adjustment for most people. One of the most important things is making sure that you…

Listen & Read More »

Income Sources You Can Diversify

Why Retirement Income Sources so Important? Today, we are going to talk about possible income sources in retirement. We’ll also discuss why a properly diversified  income plan important. Now, we believe success in retirement is tied to your retirement income. Think, do you have a paycheck in retirement that you can rely on, like a…

Listen & Read More »

Threats to Retirement Finances – What’s Cutting into Your Savings

 Threats to Retirement Finances – What’s Cutting into Your Savings? There could be many threats to retirement finances, so what’s cutting into your savings? When it comes to a well funded retirement you need a strategy that build your assets at the same time it helps to protect them against taxes, inflation, and the general…

Listen & Read More »

Risk Management – Key to Investing No One is Talking About

You know, there is a key element of investing that NO ONE seems to be talking about – risk management. So, how does this element of investing play a BIG role in investing successfully? Roland and Lindsay discuss how identifying opportunities for risk management in your plan is crucial to helping invest successfully. Risk management…

Listen & Read More »

Why Women Should Invest

Why Women Should Invest? It’s a question that gets thrown around from time to time.  At Roland Financial we passionately believe that women should be investing. When trying to grow your overall wealth, investing is arguably one of the best ways to reach those goals. In this episode talks about why we fervently believe why…

Listen & Read More »

Passive Income Through Dividend Paying Stocks

Sure, you’ve heard of dividend paying stocks and possibly that they can create passive income, but, how? Roland dives into this topic to help your understand how these can become another stream of income for you especially during retirement I’m sure you’ve heard of dividend paying stocks and possibly that they can create passive income,…

Listen & Read More »

Retirement Savings Secret Killer: Inflation

Retirement savings secret killer: inflation …How can you avoid it creeping up on you?  There has been a lot of discussion recently about rising inflation, but even at low rates, can secretly eat away at your carefully accumulated retirement savings. Roland shares some way to help avoid inflation creeping up on your retirement nest egg….

Listen & Read More »

Retiring Early During a Global Pandemic

Retiring early during global pandemic, in your 50s or early 60s, might seem foolish. But if you have a job that can’t be done safely retiring early might seem more enticing. According to the Federal Reserve Bank of St. Louis, older Americans have more jobs that carry high economic and health risks. The COVID-19 recession…

Listen & Read More »

Roland Financial FAQs

There are a TON of questions you might have while trying to find the right financial professional. Leah and Roland go over the most common financial FAQs they hear from clients. To get us started here are some common financial FAQs we receive are: When should I start saving for retirement? Where should I save…

Listen & Read More »

Bad Financial Habits You Should Break

Leah and Roland discuss some financial habits you should consider eliminating. Mindless spending, paying for subscriptions you don’t use or when was the last time you calculated all the money you spend on eating out? Find out how breaking these financial habits could set you ahead for your financial future. Here are some habits you…

Listen & Read More »

Don’t Let Your Tax Bill Catch You Off Guard in Retirement – Part #2

Do you know how taxes could affect your retirement income, possibly including your Social Security and 401k & IRA withdrawals? Leah and Roland discuss how to calculate your tax rate and not let your tax burden in retirement catch you off guard . How Annuity Distributions Tax Can Catch You Off Guard! Tax rules apply…

Listen & Read More »

Don’t Let Your Tax Bill Catch You Off Guard in Retirement – Part #1

Do you know how taxes could affect your retirement income? Could they affect your Social Security and 401k & IRA withdrawals? Leah and Roland discuss how to calculate your tax rate and not be caught off guard by your tax bill in retirement. Your Tax Bill and Social Security Income Your benefits could likely be…

Listen & Read More »

Retirement lies that we fool ourselves with – Part #2

Retirement lies that we fool ourselves with Today we will cover how we tend to fool ourselves with sweet little lies like these and how we can avoid falling for them, once we understand where they come from. I’ll spend less when I retire…My taxes will be lower when I retire….What’s the point, I’ll never…

Listen & Read More »

Retirement lies that we fool ourselves with – Part #1

Today we will cover how we tend to tell ourselves sweet little retirement lies like these and how we can avoid falling for them, once we understand where they come from. I’ll spend less when I retire…My taxes will be lower when I retire….What’s the point, I’ll never be able to retire… Retirement Lie #…

Listen & Read More »

Concerning Savings Stats for Retirement

With the possibilities of too much debt, little savings, or stalled wages, Americans fall victim to retirement crises every day. The following statistics may scare you into jumpstarting your financial future. One sickening retirement cost will give you sticker shock. One in three Americans has no savings  for retirement More than half of Americans have…

Listen & Read More »

9 Options to Fund Your Retirement

There are plenty of good options to fund your retirement. Sticking to a single plan won’t help you achieve your goals though. Here are 9 Options to help Fund Your Retirement. Options to Fund Your Retirement with: Social Security One of the options to fund your retirement is Social Secuirty. Nine out of 10 people…

Listen & Read More »

Frequently Asked Questions about Retirement

Retirement may come with a few frequently asked questions, like “How much money do I need to retire?” or “How will I pay for Medical Expenses in Retirement?”. Roland and Leah go over these frequently asked questions and more to help you understand what kind of retirement YOU can have! When you can retire comes down to when…

Listen & Read More »

Your Healthcare, Your Money

When planning for retirement, many people express concerns about their health. But too few are actually making plans to cover the costs of healthcare. Most don’t understand how to make these plans, or even how to estimate the money they’ll need for care. Close to three fourths of affluent older adults have expressed concerns about…

Listen & Read More »

Planning for Retirement vs. Planning Financially

At some point, you get to a spot where your financial planning might need to shift a little bit.  We believe this is when you begin seeing retirement in your near future. But what does that look like? Financial Planning is an important part of all of our lives as we go through and enter…

Listen & Read More »

Retiring Happy in 10 Steps

The Key to Retiring Happy in 10 Steps 10 steps that are the key to helping you map out what you might need, both financially and emotionally, to increase your chances retiring happy. Key #1 Happy Retirees Manage their health. Of course, follow your doctor’s lead on tests and whatnot. And watch out for stealthier…

Listen & Read More »

Retirement 101 – Top 8 Questions About Retirement

Ready for Retirement 101? These are the top 8 questions you need to ask to help you achieve the retirement you really want! What’s the 101 on planning for retirement? Never too soon to start. Teach your kids to save money NOW. The earlier you start planning, the more time your money has to grow. That…

Listen & Read More »

Money Mistakes People Make

To help you get in control of your finances we’re talking about 10 completely avoidable money mistakes you should avoid. For many Americans, money is a constant source of stress. According to Money magazine, 70% of married couples argue about finances. More than half the fights stem from what one spouse saw as a “frivolous”…

Listen & Read More »

Countdown to Retirement: 5-1 and DONE!

Has the countdown to retirement for you begun? Learn what you can do in your last 5 years working to help make your retirement exciting and rewarding. There’s a lot to consider as you prepare for retirement, so it’s wise to begin planning well ahead of time. Once you begin nearing retirement age, the checklists…

Listen & Read More »

Expenses- They Sneak Up On You!

What little expenses are hiding in your monthly budget? Children’s bills? Unused services? Find more ways to cut fat from your budget this week on the Wise Money Podcast. When it comes to money, do your finances ever feel like a leaky faucet?  The dollars and cents seem to run out faster than they come…

Listen & Read More »

Retirement Benefits That Are Statistically Relevant

Leah and Roland discuss: How much money, statistically, will you need to live comfortably in retirement? More seniors are declaring bankruptcy.  Here is why and key  retirement benefits you need to know for planning ahead for retirement? There are many statistics that speak to why more retirees are declaring bankruptcy. It’s important for people to…

Listen & Read More »

Make Your Money Last Throughout Your Lifetime

Learn more about how to improve confidence in saving for your retirement and learning how to make your money last throughout your life time. One of the largest concerns of retirees today is running out of money in retirement. So today, we want to help you learn some different ways that you can help increase…

Listen & Read More »

Ready to Take The Next Step?

For more information about money management tips, schedule a meeting today or register to attend a seminar.

Or give us a call at 814-833-2999.