Buckets, Brackets & Paychecks: A Simple Guide with Sheridan Murphy

Switching from saver to spender isn’t a light switch—it’s a plan. In this week’s Money Made Modern, I sit down with CFP® Sheridan Murphy to tackle the real questions mid-60s retirees ask: “How do I replace my paycheck? From where? And in what order?” We unpack bucket strategies, tax-smart withdrawals, and when tools like Social Security, pensions, annuities, Roth conversions, and HSAs make sense—no hype, just what works. If your goal is a SWAN plan (Sleep Well At Night), this one’s for you. Call 800-910-6286 to see how an independent, product-agnostic approach can turn your savings into durable income. Visit ModWealthMethods.com.See omnystudio.com/listener for privacy information.