Retirement Income & Strategy Podcast

From Paycheck to Portfolio_ Building Retirement Income That Lasts

Retirement changes the challenge from saving money to creating dependable income. In this episode, Tom Mullarkey, CFP®, explains how retirement income works, why a paycheck mindset can create risk, and how to build a strategy designed to support long retirements and changing markets.

The Real Cost and Real Value of a Roth Conversion

A Roth conversion means paying tax now so you get tax-free growth and more flexibility later. In this episode of the Retirement Income & Strategy Podcast, Tom Mullarkey, CFP®, covers what a conversion really costs, including the tax bill, higher brackets and Medicare IRMAA surcharges. He also explains why a series of smaller conversions spread over several years often works better than converting a large amount at once.

Expenses - The #1 Retirement Question Nobody Gets Right

Many people ask if they can retire based only on their account balances, but the more important number is monthly spending. In this episode, we explain why expenses drive retirement success more than any magic savings target and how to get a realistic picture of what life actually costs. You will learn two practical ways to calculate real spending using a top-down review of bank statements or a simple flow-based approach.

Market Volatility in Retirement: Why It Should Not Derail Your Strategy.

Market volatility can feel especially unsettling once you’re retired and drawing income from your portfolio. In this episode, we break down why volatility itself is not the real threat to retirement security. The true risk is how market declines interact with withdrawals, particularly early in retirement. You’ll learn how thoughtful retirement income planning and portfolio structure can help protect long-term income and reduce unnecessary stress.

How Retirement Account Withdrawals Affect Your Taxes

The money you've saved for retirement isn't all taxed the same way. Withdrawals from a traditional IRA, Roth IRA, and taxable brokerage account can have very different tax consequences.In this episode of the Retirement Income & Strategy Podcast, Tom Mullarkey, CFP®, RICP®, TPCP®, explains how different retirement accounts are taxed and why understanding those differences matters when building your retirement income strategy.

From Paycheck to Portfolio_ Building Retirement Income That Lasts

Retirement changes the challenge from saving money to creating dependable income. In this episode, Tom Mullarkey, CFP®, explains how retirement income works, why a paycheck mindset can create risk, and how to build a strategy designed to support long retirements and changing markets.

The Real Cost and Real Value of a Roth Conversion

A Roth conversion means paying tax now so you get tax-free growth and more flexibility later. In this episode of the Retirement Income & Strategy Podcast, Tom Mullarkey, CFP®, covers what a conversion really costs, including the tax bill, higher brackets and Medicare IRMAA surcharges. He also explains why a series of smaller conversions spread over several years often works better than converting a large amount at once.

Expenses - The #1 Retirement Question Nobody Gets Right

Many people ask if they can retire based only on their account balances, but the more important number is monthly spending. In this episode, we explain why expenses drive retirement success more than any magic savings target and how to get a realistic picture of what life actually costs. You will learn two practical ways to calculate real spending using a top-down review of bank statements or a simple flow-based approach.

Market Volatility in Retirement: Why It Should Not Derail Your Strategy.

Market volatility can feel especially unsettling once you’re retired and drawing income from your portfolio. In this episode, we break down why volatility itself is not the real threat to retirement security. The true risk is how market declines interact with withdrawals, particularly early in retirement. You’ll learn how thoughtful retirement income planning and portfolio structure can help protect long-term income and reduce unnecessary stress.

How Retirement Account Withdrawals Affect Your Taxes

The money you've saved for retirement isn't all taxed the same way. Withdrawals from a traditional IRA, Roth IRA, and taxable brokerage account can have very different tax consequences.In this episode of the Retirement Income & Strategy Podcast, Tom Mullarkey, CFP®, RICP®, TPCP®, explains how different retirement accounts are taxed and why understanding those differences matters when building your retirement income strategy.

How Retirement Account Withdrawals Affect Your Taxes

The money you've saved for retirement isn't all taxed the same way. Withdrawals from a traditional IRA, Roth IRA, and taxable brokerage account can have very different tax consequences.In this episode of the Retirement Income & Strategy Podcast, Tom Mullarkey, CFP®, RICP®, TPCP®, explains how different retirement accounts are taxed and why understanding those differences matters when building your retirement income strategy.

Market Volatility in Retirement: Why It Should Not Derail Your Strategy.

Market volatility can feel especially unsettling once you’re retired and drawing income from your portfolio. In this episode, we break down why volatility itself is not the real threat to retirement security. The true risk is how market declines interact with withdrawals, particularly early in retirement. You’ll learn how thoughtful retirement income planning and portfolio structure can help protect long-term income and reduce unnecessary stress.

Expenses - The #1 Retirement Question Nobody Gets Right

Many people ask if they can retire based only on their account balances, but the more important number is monthly spending. In this episode, we explain why expenses drive retirement success more than any magic savings target and how to get a realistic picture of what life actually costs. You will learn two practical ways to calculate real spending using a top-down review of bank statements or a simple flow-based approach.

The Real Cost and Real Value of a Roth Conversion

A Roth conversion means paying tax now so you get tax-free growth and more flexibility later. In this episode of the Retirement Income & Strategy Podcast, Tom Mullarkey, CFP®, covers what a conversion really costs, including the tax bill, higher brackets and Medicare IRMAA surcharges. He also explains why a series of smaller conversions spread over several years often works better than converting a large amount at once.

From Paycheck to Portfolio_ Building Retirement Income That Lasts

Retirement changes the challenge from saving money to creating dependable income. In this episode, Tom Mullarkey, CFP®, explains how retirement income works, why a paycheck mindset can create risk, and how to build a strategy designed to support long retirements and changing markets.