Why Most Retirement Plans Fail (And How to Build Yours) 🤑 | Radiant Conversations Ep. 10

Retirement Planning After 40: How to Bulletproof Your Income & Retire With Confidence with Tom Bell | Radiant Conversations Ep. 10Are you within 10 years of retirement and still thinking like a saver instead of an earner? Joe and Shaun sit down with financial planner Tom Bell of My Coastal Wealth (mycoastalwealth.com) — Purdue & Penn State engineer turned retirement strategist — to reveal why your 401(k) and 60/40 portfolio won't protect you in retirement, and the bulletproof framework that will. If you want sustainable income, not sleepless nights, this is the retirement conversation you need.In this episode, we cover: • 🔄 Accumulation vs. Distribution — why your money mindset must flip completely as you approach retirement • ⚠️ The 7 Retirement Risks nobody warns you about — inflation, RMDs, survivability, long-term care & more • 📉 Sequence of Returns Risk — how a market dip early in retirement can devastate your portfolio (and how to avoid it) • 💰 Building an Income Floor — creating steady, reliable income for essentials no matter what the market does • 🛡️ Annuities: Good or Bad? — variable, RILA & fixed annuities explained without the sales pitch • 🎲 The Monte Carlo Model & eMoney — how Tom stress-tests your plan to measure probability of success • 📊 The 4% Withdrawal Rule — why it's outdated and how strategic planning aims for higher, safer withdrawals • 🏦 The Volatility Buffer — the money market trick that keeps you from selling in a downturn • 👩‍❤️‍👨 Loss of a spouse & legacy planning — the income shock most couples never plan for • 😌 From worry to joy — real client stories of finding clarity, confidence & peace of mind in retirementTom's engineering approach cuts through the jargon: stop chasing growth, start engineering safety, sustainability, and strategic income for the next 30 years.👍 If this episode gave you clarity, hit LIKE and SUBSCRIBE for more conversations that help women over 40 navigate life, money, health & beauty with confidence.💬 What's your biggest retirement worry — running out of money, market crashes, or healthcare costs? Drop it in the comments!📧 Connect with Tom Bell — My Coastal Wealth (MassMutual): www.mycoastalwealth.com/our-team/[email protected] us: YouTube: @RadiantRestyleCollective Instagram: @radiantrestylecollectiveTikTok: @radiant_restyle#RetirementPlanning #FinancialPlanning #RetirementIncome #AnnuitiesExplained #401kRetirement #RetirementTips #WomenOver40 #RetirementMistakes #FinancialFreedom #RadiantConversation