In this episode of the Happiness in Retirement podcast, I delve into the profound question of what constitutes a good life, particularly in the context of retirement. Let's explore whether happiness is the ultimate goal, or if there are deeper elements that contribute to a fulfilling life.By Del-Sette Capital Management LLC

In this episode of the Happiness in Retirement podcast, I, Bill Del Sette, delve into two fascinating concepts that can significantly impact your retirement experience: the U-bend of happiness and the retirement income smile. We begin by exploring the U-bend of happiness, a pattern observed in life satisfaction that shows people tend to be happiest…

In this episode of the Happiness in Retirement podcast, I delve into the multifaceted topic of retirement, sparked by the recent announcement of Warren Buffett's retirement at the age of 94. I reflect on the reasons why people choose to retire or continue working, drawing from my 30 years of experience as a retirement planner. We begin by exploring…

In this episode of the Happiness in Retirement podcast, I delve into the critical mistakes that individuals often make when transitioning from the growth or accumulation phase of their financial lives to the enjoyment or distribution phase of retirement. As we approach the magical age of financial independence, it’s essential to shift our mindset a…

In this episode of the Happiness in Retirement podcast, I, delve into the crucial relationship between your money mindset and your overall life context. We explore how your core beliefs and attitudes about money significantly influence your financial decisions and success. Drawing on concepts from Werner Erhard and Stephen Covey, I emphasize the im…

In this episode of the Happiness in Retirement podcast, I delve into the crucial topic of determining a safe withdrawal rate from your retirement portfolio. We explore the complexities of retirement planning in the real world, where factors like inflation, taxes, market volatility, and longevity risk come into play. I begin by painting a hypothetic…

Episode Synopsis: Seamless Wealth Succession In this episode of the Happiness in Retirement Program podcast, we delve into the critical topic of estate planning and asset protection, wrapping up a series of discussions we've had over the past few weeks. We begin by highlighting the importance of having a solid estate plan, using the example of the …

In this episode of the Happiness in Retirement podcast, I delve into the concept of "Swedish death cleaning," a mindful decluttering process that emphasizes the importance of keeping only those possessions that hold true meaning for us and our loved ones. I begin by discussing the hedonistic treadmill, where the pursuit of material possessions ofte…

In this episode of the Happiness in Retirement Program, I delve into two powerful charitable giving strategies: Qualifying Charitable Donations (QCDs) and Donor Advised Funds (DAFs). We start by discussing the current tax landscape, particularly the impact of the 2017 Tax Cut and Jobs Act, which significantly increased the standard deduction and li…

Plan Your Digital Estate Now In an increasingly digital world, the assets we accumulate are not just physical items; they often reside in the intangible realm of the internet. From social media accounts to cryptocurrencies, these digital assets can hold significant sentimental and monetary value. However, many individuals remain unaware of the impo…

The Go-Go years of retirement are when you are healthy, have free-time, and can enjoy the fruits of your labor. Sooner or later, you will slow down because of health related issues. But what if you could increase your healthy retirement years? Tune in to find out more.By Del-Sette Capital Management LLC

How do you choose between contributing to a traditional, tax deferred 401K or a Roth 401K? Are you just guessing when you choose between contributing to one or the other? Watch this episode of the Happiness in Retirement Webcast to help you make the best choice.By Del-Sette Capital Management LLC

Step one of the financial planning process is to create goals around what matters most to you. Check-out this episode to learn three ways to get inspired about your future and to create targets that you will be motivated to act on in your plan.By Del-Sette Capital Management LLC

Their are four steps to crafting your financial plan, and if you miss any of them, it could derail your financial future. Tune-in to learn the the four steps and why you should follow them in a certain order to maximize your chances of success.By Del-Sette Capital Management LLC

You probably learned about the miracle of compound interest in grade school, but they probably didn't teach you about the ever increasing, compound tax it can create. In this episode of the Happiness in Retirement podcast, I'll illustrate and present some potential solutions.By Del-Sette Capital Management LLC

Many people use a needs based approach to figuring out how much life insurance they need, but it leaves them woefully underinsured. Tune-in to learn how to use replacement value and economic life value to determine the real loss experienced if you pass away too soon.By Del-Sette Capital Management LLC

In this episode of the Happiness and Retirement Program podcast, host Bill Del Sette draws insights from an Aesop's Fable to illustrate two distinct types of people when it comes to money management—those who save and plan (the ants) and those who spend impulsively (the grasshoppers). Del Sette explores the motivations behind these financial behavi…

The happiness in retirement podcast is a holistic financial planning show that teaches you how to maximize your wealth and your happiness, and its for anyone who wants to squeeze all the juice out of their life - and their money.By Del-Sette Capital Management LLC