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Join us on “The Healthy & Wealthy Retirement” podcast as Certified Retirement Counselor Mark Struthers takes a holistic approach to retirement. Going Beyond Finances and Embracing Holistic Well-being. Whether you’re approaching retirement age or already enjoying your golden years, our expert guests will share practical advice, inspiring stories, and actionable strategies. We cover everything from optimizing your health and wellness to managing your investments. Get ready to unlock the secret ...
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Strategy vs. Tactics: Should You Change Your Portfolio Before a Recession?
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19:25
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Should you be making changes to your portfolio with a recession looming? Market volatility brings a lot of anxiety, especially when retirement is just around the corner. But reacting out of fear can do more harm than good. Listen in as your certified retirement counselor Mark Struthers breaks down the main difference between strategy and tactics, a…
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Confused by the Roth 5-year rule? If so, you’re not alone. The Roth IRA can feel like a financial enigma, and the 5-year rule is often misunderstood, leading to hesitation and missed opportunities. But today, we’re breaking down the mystery. Listen in as your certified retirement counselor Mark Struthers explains the different variations of the 5-y…
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Navigating Life's Toughest Decisions: Financial Planning Insights from 'Being Mortal'
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11:15
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11:15
Welcome to the latest episode of Healthy and Wealthy Retirement. Join host Mark Struthers as he explores the profound insights of Atul Gawande's book "Being Mortal." In this thought-provoking discussion, discover how the book's themes of quality of life, patient decision-making, and healthcare choices intersect with financial and retirement plannin…
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Mastering Retirement Expenses: The Floor & Ceiling
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7:07
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Welcome to this episode of the Healthy and Wealthy Retirement with Mark Struthers, your certified retirement counselor. In this insightful discussion, Mark explores various models of managing retirement expenses, offering valuable strategies to ensure your financial stability in later years. Learn about the five common models, including inflation a…
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Mastering Retirement Expenses: The Guardrails Approach
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6:57
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Welcome to the Healthy and Wealthy Retirement, where Certified Retirement Counselor Mark Struthers dives deep into the holistic aspects of retirement planning. This episode emphasizes the critical role of understanding expenses in securing a healthier, wealthier future. Filmed in the beautiful Edina, Minnesota, today's discussion centers on how exp…
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Mastering Retirement Expenses: Retirement Stages
10:34
10:34
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Join Certified Retirement Counselor Mark Struthers on the Healthy and Wealthy Retirement YouTube channel as he delves into the often-overlooked topic of retirement expenses. Learn how understanding your spending before and during retirement is crucial for financial planning and how it influences your overall retirement well-being. This episode intr…
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Mastering Retirement Expenses: The Retirement Spending Smile
12:31
12:31
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Welcome to the Healthy and Wealthy Retirement podcast, hosted by Mark Struthers. In this episode, we delve into the often overlooked topic of managing expenses in preparation for a financially secure retirement. Many approaching retirement are uncertain about their current and future spending habits, leading to potential challenges. Mark discusses …
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Decoding the 10x Rule for Retirement: Is It Too Conservative?
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11:30
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Summary In this conversation, Mark Struthers discusses the 10 times rule for retirement savings, which suggests that individuals should aim to have 10 times their gross income saved by retirement. He explores the origins of this rule, its benchmarks, and its effectiveness in providing adequate retirement income. Struthers critiques the rule, arguin…
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Navigating Volatility: The Japanese Carry Trade Explained
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11:32
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Summary In this episode of Healthy and Wealthy Retirement, Mark Struthers discusses the recent market crash attributed to the Japanese carry trade, its implications for investors, and strategies to navigate financial uncertainty. He emphasizes the importance of having an emergency fund, diversifying investments, and reviewing bond portfolios to ens…
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Mastering the 3-Bucket Strategy for a Secure Retirement
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17:32
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Welcome to "Healthy and Wealthy Retirement" with Mark Struthers, your certified retirement counselor, who introduces a holistic approach to navigating the complexities of retirement planning. In this episode, Mark dives into the intricacies of the three-bucket strategy for retirement funding, designed to balance risk and provide comfort for retiree…
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Summary In this episode of Healthy and Wealthy Retirement, Mark Struthers discusses the considerations for relocating to a low-tax state. He emphasizes the importance of understanding the total tax burden, including property taxes and social security taxation. Mark also highlights the significance of home affordability, quality of life, job opportu…
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Keystone Activities: The Cornerstone of a Happy Retirement
11:24
11:24
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Welcome to the Healthy and Wealthy Retirement podcast! In this episode, host Mark Struthers explores the concept of keystone activities and their pivotal role in fostering a fulfilling retirement life. Mark delves into how these activities can influence and enhance your social, physical, and emotional well-being, providing a foundation for a more c…
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Welcome to the Healthy and Wealthy Retirement, where certified retirement counselor Mark Struthers explores the impact of inflation on retirees. In this episode, Mark discusses how the recent surge in inflation has heightened awareness and seriousness about planning for retirement. Mark explains how inflation erodes purchasing power over time, maki…
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Summary In this conversation, Mark Struthers discusses the multifaceted nature of retirement planning, emphasizing the importance of understanding and managing various risks associated with retirement. He highlights the significance of holistic well-being, addressing not only financial aspects but also social, physical, and emotional factors. Strut…
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Unlocking Early IRA Access: Understanding SEPP (72t)
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13:14
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In this episode of Healthy and Wealthy Retirement, certified retirement counselor Mark Struthers delves into the often-overlooked topic of 72T, a strategy for accessing funds within a traditional IRA without penalties. Mark explains the intricacies and challenges associated with Substantially Equal Periodic Payments (SEPP), highlighting how this ap…
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Is Index Universal Life Insurance Right For Your Retirement?
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17:09
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Join Certified Retirement Counselor Mark Struthers on the 'Healthy and Wealthy Retirement' podcast as he sheds light on the complexities of permanent insurance, specifically focusing on Index Universal Life. Discover the hidden trade-offs and alternatives your insurance agent might not mention, as Mark guides you through making informed decisions. …
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The Economic and Political Influence on Mortgage Rates
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21:48
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Welcome to the latest episode of The Healthy and Wealthy Retirement with certified retirement counselor, Mark Struthers. In this Thanksgiving special, Mark delves into the intriguing world of mortgage interest rates and their unexpected rise. He provides insights into how political events, particularly elections, can significantly impact financial …
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Navigating the Challenges of "Failure to Launch" in Today's Economy
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12:37
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In this episode of "Healthier and Wealthy Retirement," host Mark Struthers delves into the pressing issue of the "Failure to Launch" phenomenon, inspired by a Bloomberg Wealth article. With U.S. parents spending an astounding $500 billion annually on their adult children, Mark explores the financial strain this places on retirement savings and the …
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Navigating Retirement Beyond Finances - A Conversation with Retirement Coach Alara Rosenberg
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46:13
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Welcome to the inaugural episode of "Healthy and Wealthy Retirement" with your host, Mark Struthers. Join us as we explore the multi-faceted journey of retirement beyond financial planning, emphasizing holistic well-being. Mark shares his vision for the podcast, inspired by his extensive experience in the financial industry and personal insights in…
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The Fed is Recalibrating: Here are 4 Things You Should be Recalibrating Too
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16:55
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In this episode of "Healthy and Wealthy Retirement," certified retirement counselor Mark Struthers discusses the importance of recalibrating your approach to retirement in light of recent economic changes. With a focus on holistic well-being, Mark explores how the recent Fed conference and interest rate adjustments influence retirement planning. Ma…
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Prioritizing Your Retirement: The Big Rock, Little Rock Approach
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5:52
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Welcome to another episode of the Healthy and Wealthy Retirement, hosted by certified retirement counselor, Mark Struthers. In this episode, Mark introduces a unique setting featuring his son, Will, to demonstrate the concept of "big rock, little rock" financial and retirement planning. Mark discusses how prioritizing important financial goals can …
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Navigating Market Volatility: 3 Reasons It May Not Be Over
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9:47
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Welcome to the Healthy and Wealthy Retirement, where your certified retirement counselor, Mark Struthers, takes a holistic approach to retirement, going beyond finances and embracing holistic well-being. This YouTube channel will address everything you need for a healthier, a wealthier, and a happier retirement. In today's episode, Mark Struthers d…
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Mega Backdoor Roth: Supercharging Your Retirement Savings
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11:38
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Welcome to The Healthy and Wealthy Retirement with your host, Mark Struthers! In this episode, Mark dives deep into the intricacies of the Mega Backdoor Roth, a powerful tool for maximizing your retirement savings. Discover how this strategy works within your 401k plan, the significant financial benefits it offers, and the key rules and limits you …
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Are You on Track to Join the Top 1% of Retirement Savers?
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10:46
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Welcome to The Healthy and Wealthy Retirement, hosted by certified retirement counselor Mark Struthers. In this special Fourth of July episode, Mark delves into what it takes to be among the top 1% of retirement savers and the surprising statistics behind retirement savings in the U.S. Discover eye-opening data from the Federal Reserve, including t…
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Maximizing Your Return on Memories for a Fulfilling Retirement
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22:02
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Welcome to The Healthy and Wealthy Retirement, hosted by certified retirement counselor Mark Struthers. In this episode, Mark explores the concept of ROM (Return on Memories), offering three practical ways to enhance your life's experiences beyond financial gains. Firstly, Mark emphasizes the importance of being intentional with your time and money…
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