The Retirement Income Gap: What Most People Don't Discover Until It's Too Late

As you approach retirement or as a SC or NC retiree, have you ever said this to yourself..."I've been saving for years and the number on my statement looks good but I honestly don't know if it's actually enough to last 20 or 30 years."  "My advisor mentioned Roth conversions once and never brought it up again and I still don't know if I missed my window."If any of that sounds familiar, this episode is for you.In this episode, Stewart Smith, LUTCF®, RICP®, and Mitch Davies break down the retirement income gap — what it is, why it may be bigger than you expect, and the strategies ClearPath uses to help close it. They cover the Roth conversion strategy, the tax arbitrage window before RMDs kick in, and a three-bucket investment approach built specifically for people who are in or approaching retirement. In This Episode: → The retirement red zone: why the five years before you retire could be the most critical financial decisions you make → Are you working part-time just to pay more taxes on Medicare and Social Security? → What it means to be a planning-first firm → The Roth conversion strategy explained clearly — including the tax arbitrage window and the One Big Beautiful Bill Act deduction → The five-year rule on Roth accounts: what it actually means and why most people have it wrong → Would you rather leave your children money or a tax problem? → Mitch's Market Minute: what's driving current market volatility and why it matters more when you're depending on your portfolio for income.→ Why investing in retirement is a completely different game than accumulating Ready to build your retirement plan?ClearPath Retirement Planning helps retirees and pre-retirees in the Upstate SC and Columbia areas and Western NC create tax-efficient retirement income strategies. 📍 300 Executive Center Drive, Suite 104 | Greenville, SC 29615 📞 (864) 775-5033Schedule your ClearPath Retirement Review today  www.clearpathretirement.com Subscribe & Connect: YouTube: @ClearPathRetirementPlanning Facebook: https://www.facebook.com/ClearPathRetirement LinkedIn: https://www.linkedin.com/company/clearpathretirementImportant Disclosure:Investment advisory services offered through Alphastar Capital Management, LLC, a SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm by the SEC nor does it indicate that the adviser has attained a particular level of skill or ability. Fixed insurance products are offered through Clearpath Retirement Planning, LLC and Alphastar Capital Management is not involved in the offer, recommendation, sale or management of commission-based fixed Insurance products. Alphastar Capital Management and Clearpath Retirement...