Real World Retirement Podcast

In Episode 21 of Real World Retirement, host Alex Pushman sits down with fellow Foguth Financial advisor Adam Spears to discuss generational wealth, legacy planning, tax efficiency, and the conversations families may want to have about the future.Tune in for a practical discussion on understanding different types of money, preparing the next generation, and building a plan with purpose.

In Episode 20 of Real World Retirement, host Alex Pushman is joined by Foguth Financial advisor Matt Mackey from the Scottsdale, Arizona office for a conversation about what it means to serve as the “Family CFO.”Drawing from his background in corporate finance, Matt shares how concepts like cash flow, net worth, taxes, and financial statements can help shape a more complete approach to planning. Together, Alex and Matt discuss the value of financial awareness, building strong habits early, and taking a broader view of long-term strategy.This episode offers an educational look at the importance of organization, accountability, and understanding the full financial picture.

Episode 19: The Opportunity Cost of WaitingIn this episode of Real World Retirement, host Alex Pushman is joined by Foguth Financial Advisor Jacob Black for a practical conversation about what can happen when important financial decisions get pushed to “later.” Together, they explore the real-world trade-offs of waiting, how unexpected life events can change your timeline, and why proactive planning may create more flexibility and confidence over the long run.You’ll hear them discuss:How waiting can create hidden costs in areas like taxes, income planning, and timingWhy life events don’t wait—and how planning ahead can help you adaptThe value of a coordinated strategy that connects investments, taxes, Medicare, Social Security, and estate planningWhy transparency and education matter when working with a financial professionalLegal Disclaimer: This content is for informational and educational purposes only and should not be construed as financial, investment, tax, or legal advice. Advisory services are offered through appropriately registered entities. Investing involves risk, including the potential loss of principal. Any references to specific strategies are general in nature and may not be appropriate for your individual situation. Consult a qualified professional regarding your specific circumstances before making any financial decisions.

Episode 18: The Retirement Equation (Timing + Purpose = Peace)What’s the “retirement equation,” and why does it matter so much as you get closer to retirement?In this episode of Real World Retirement, host Alex Pushman sits down with Foguth Financial Group advisor Chad Barrios to break down a simple but powerful framework:Timing + Purpose = PeaceTogether, they walk through the three key phases of retirement planning—Contribution, Transition, and Distribution—and explain why the transition phase is often where the most important decisions are made. They also discuss what “holistic planning” can look like, including income strategy, Social Security considerations, investment allocation, tax planning concepts, legacy planning, and the role of ongoing communication.If you’re preparing for retirement (or already retired) and want a clearer way to think about the moving pieces, this episode is for you.Educational content only. Not individualized financial advice.

Episode 17 – Choosing Your Advisor (with Tim Alfieri)Choosing a financial advisor is one of the most important decisions you’ll make for your retirement—but only 22% of Americans feel very confident they picked the right one.In this episode of the Real World Retirement Podcast, host Alex Pushman sits down with guest Tim Alfieri to break down three key factors every retiree (or pre-retiree) should consider:Independent Fiduciary – What it really means and the critical follow-up question: “Who are you a fiduciary to?”Compatibility – Why trusting your gut, shared values, and communication style matter more than you think.Comprehensive Planning – How income, investments, taxes, Social Security, and legacy strategies should work together (not in silos).Through real stories and practical insights, Alex and Tim uncover how to avoid common pitfalls, ask the right questions, and bring peace & purpose to your money™.🎧 Tune in now to discover what to look for in an advisor—and whether your current one is truly the right fit.

Episode 16 — Purpose Behind Your Portfolio (with Cody Campbell, CFP®)What does it really mean to give your portfolio purpose? In this episode of the Real World Retirement Podcast, host Alex Pushman is joined by advisor Cody Campbell, CFP® from Foguth Financial Group. Together, they break down how to align your investments with your lifestyle and retirement goals.Here’s what you’ll learn:How to structure your money using a clear 3-bucket framework (safety, income, and growth)The challenges self-managers face—and how to stay disciplined when markets shiftWhy the traditional 60/40 stock-to-bond mix may not always fit your retirement needsThe overlooked power of asset location when it comes to taxes and long-term planningThis episode is all about real-world education, not fear. Tune in and take away practical steps to make your money work with purpose.🎧 Listen now on Spotify, Apple Podcasts, or YouTube.

Episode 15 |Ticking Tax Clock with Alex Pushman & Jeff NewsomeRequired Minimum Distributions (RMDs) are a big part of retirement planning, but they don’t have to be confusing. In this episode of the Real World Retirement Podcast, host Alex Pushman and fellow Foguth Financial Advisor Jeff Newsome break down what RMDs are, why they matter, and how to approach them with confidence.You’ll learn:What RMDs are and when they beginThe common pitfalls retirees run into with withdrawalsHow thoughtful planning can help you avoid unnecessary tax surprisesWays to keep more of your hard-earned money working for youIf you’re preparing for retirement or already there, this conversation gives you real-world strategies to retire with greater peace and purpose.

Beyond the Numbers isn’t just a catchy title — it’s a shift in perspective. In this episode of the Real World Retirement Podcast, Foguth Financial advisors Alex Pushman and Vincent Pucillo explore the human side of money through the lens of behavioral finance.From emotional reactions to market changes, to uncovering the real motivations behind financial goals, this conversation goes deeper than charts and projections. Discover how understanding behavior can help create a retirement plan that offers both peace and purpose.🎙 Topics in this episode:What behavioral finance meansReal-world examples of emotional decision-makingAligning life goals with financial strategyListen now and learn how to look beyond the numbers when planning for the future.

Episode 13: Measuring Risk 🎙️ With Foguth Financial Advisors Alex Pushman & Ken VoogUnderstanding how much risk you're actually taking—and how much you should be taking—is essential as you approach retirement. In this episode, host Alex Pushman sits down with Ken Voog, lead advisor at Foguth Financial’s Troy office, to break down the real-world risks many retirees unknowingly face.Together, they explore:How to find yourself on the “risk spectrum”Why your investments might not match your risk toleranceThe importance of adjusting risk as you transition into retirementPlus, Ken shares the personal story of how a childhood experience with a failed investment shaped his philosophy around risk management today. Whether you're already retired or preparing for it, this episode will help you align your financial strategy with your true comfort level.📊 Education. Clarity. Peace of mind. Tune in and learn how to measure what matters most.

Episode 12 – Chasing Shadows in Retirement 🎙 Real World Retirement Podcast with Alex Pushman & Nick CalvanesoIn this eye-opening episode, host and Foguth Financial advisor Alex Pushman sits down with fellow advisor Nick Calvaneso to unpack one of the most important questions facing today’s retirees: Are you following outdated retirement rules that no longer apply?From Social Security timing to tax planning and legacy strategies, Alex and Nick challenge the conventional thinking many retirees follow just because “that’s how it’s always been done.” They reveal how to avoid “chasing shadows” by verifying whether your retirement strategy actually aligns with your unique goals—and why treating each part of the plan in a silo could cost you in the long run.You’ll learn: ✅ Why “full retirement age” isn’t always the right time to take Social Security ✅ The hidden tax traps that can reduce your income ✅ Why the 70%-80% income replacement rule might be a myth ✅ How to build a personalized plan for your real-world retirement🎧 Tune in now to rethink your approach and bring clarity to your financial future.

Episode 11 – First Principles of Investing | Real World Retirement Podcast In this episode of Real World Retirement, host Alexander Pushman sits down with Foguth Financial advisor Leyland Lindie for a wide-ranging conversation that blends bold real-life stories with a fresh take on financial planning.Leyland shares an unforgettable moment from early in his career—when a client confidently wired $1 million to “buy the market” at the height of the COVID panic in April 2020. While the world was melting down, this client was calmly executing a strategy prepared well in advance. The story highlights the power of preparation and having a trusted advisor who understands the bigger picture.From there, the conversation dives into Leyland's contrarian approach to financial planning using “first principles thinking”—a problem-solving mindset rooted in engineering. Instead of following the status quo or conventional advice, Leyland explains how breaking down each element of a financial plan to its core truths can lead to more customized, confident decisions.Whether you’re new to planning or looking for a deeper philosophy behind the numbers, this episode will challenge your assumptions and help you think more intentionally about your future.👉 Tune in now to hear why rethinking the rules—and the timing—could be the smartest move you make.

Episode 10 – The ABCs of Long-Term Care | Real World Retirement PodcastIn this episode of Real World Retirement, host Alexander Pushman welcomes special guest and fellow Foguth Financial advisor, Charlie Dillon, to unpack the complex world of long-term care planning.From traditional insurance policies to modern hybrid solutions and self-funding strategies, Charlie shares the “ABCs” of long-term care:A – Traditional Long-Term Care: The pros, cons, and the often-overlooked fine print.B – Alternative Solutions: Creative options that blend protection with flexibility, including annuities and life insurance riders.C – Self-Funding: When and how it might make sense to use your own resources instead of purchasing coverage.Along the way, Charlie shares a powerful personal story about how his grandfather sparked his interest in finance, and both advisors emphasize why proactive planning is essential—because 70% of people over 65 will need some form of care.Whether you’re navigating policies, wondering how to protect your retirement, or just starting to plan, this episode will help you better understand what options exist and what to watch out for.👉 Listen in to learn how to make confident, informed choices about your future care needs—before you or your loved ones are in crisis.

Episode 9 : Estate Planning in RetirementIn this powerful and eye-opening episode of Real World Retirement, host Alex Pushman is joined by fellow Foguth Financial Group senior advisor Caleb Marsh to tackle one of the most overlooked — yet absolutely critical — components of retirement planning: estate planning.Alex and Caleb dive deep into why avoiding probate should be a top priority for retirees, how a properly structured trust can provide control even after you’re gone, and the common pitfalls that can leave families in legal and emotional chaos. Caleb shares personal stories that sparked his passion for helping families avoid financial heartache, and the two advisors offer actionable advice on building the right team — from ethical attorneys to trustworthy CPAs — to safeguard your legacy.Whether you’re just starting to think about estate planning or you're deep into retirement, this episode is filled with real-life insights and expert guidance that can save your family time, stress, and money.👉 Have questions? Want help vetting an estate planner or just unsure if your plan is solid? Reach out — there are no bad questions when it comes to protecting your legacy.

Episode 8: Peace and Purpose – The JourneyIn Episode 8 of Real World Retirement, host Alex Pushman sits down with fellow advisor Sheila Maloney for a heartfelt and eye-opening conversation on creating peace and purpose throughout your retirement journey. Sheila shares a powerful real-life case study of a couple who went from financial uncertainty to a future filled with confidence, control, and legacy planning—all thanks to a proactive approach.They explore what it really means to find peace in your plan: not just knowing your retirement income is secure, but also building a tax-efficient strategy and establishing a legacy that truly impacts future generations. From distribution and investment plans to Roth conversions and education accounts for grandkids, this episode is packed with actionable insights for families who want more than just a retirement—they want purpose.Whether you're five years from retirement or already in it, this episode will inspire you to think long-term, act early, and engage with a team that’s truly invested in your future.🎧 Listen in to learn:How to create peace and purpose through proactive financial planningWhy legacy planning isn’t just for the ultra-wealthyThe surprising ways taxes can impact your future—and how to get ahead of themHow one couple turned worry into generational wealth💬 Like what you hear? Follow, subscribe, and reach out—your journey starts with one conversation.

Episode 7: Mastering Market Emotions – Real World Retirement PodcastIn Episode 7 of the Real World Retirement Podcast, host Alex Pushman welcomes senior advisor Nate Rodhe to discuss one of the most critical aspects of financial planning—managing emotions during market fluctuations. With nearly two decades of experience, Nate shares his journey from law school to financial planning and how the 2008 financial crisis reshaped his approach to investment strategy.Alex and Nate dive deep into the two primary emotional drivers in investing—fear and greed. Through real client case studies, they highlight the costly mistakes investors make when emotions dictate financial decisions, including the impact of fear-driven sell-offs and the importance of having a well-structured income strategy. They also outline practical solutions, including the three essential pools of assets—emergency funds, growth investments, and preservation strategies—to help retirees maintain financial confidence.If you're approaching retirement or simply want to improve your investment discipline, this episode provides actionable insights to help you navigate market volatility with a clear, strategic plan. Don’t miss this engaging and informative conversation packed with real-world advice!

Episode 6: Social Security Hacks - Real World Retirement PodcastIn Episode 6 of the Real World Retirement podcast, host Alex Pushman sits down with Foguth Financial Advisor and certified Social Security expert Bradley Vey. Brad holds the prestigious National Social Security Advisor (NSSA) certification — a distinction held by less than 1% of advisors in Michigan. In this episode, Brad shares how he became passionate about helping people navigate the complexities of Social Security, including a heartwarming case study where his expertise changed a client’s life. They explore why so many advisors avoid Social Security planning, how Brad’s background in financial services shaped his approach, and the critical benefits most retirees overlook. Whether you're nearing retirement or just starting to think about it, this episode is packed with valuable insights that could make a big difference in your financial future.

Episode 5: The Four Seasons of Investing – Real World Retirement PodcastIn this episode of Real World Retirement, host and Foguth Financial advisor Alex Pushman sits down with fellow advisor Joe Wilkinson to discuss The Four Seasons of Retirement—the key financial stages from early earning years to legacy planning. Joe shares his personal journey into financial advising, inspired by his own family's challenges, and offers real-world strategies for navigating each stage of retirement.They also dive into a powerful case study of a family facing an unexpected financial crossroads and how the right planning brought peace of mind during a difficult time. Whether you're just starting to think about retirement or are already there, this episode is packed with insights that can help you make smarter financial decisions.🎧 Stream now on Spotify, Apple Podcasts, and YouTube!

Retirement comes with rules and risks—do you know how to navigate them? 🤔In this episode of Real World Retirement, host Alex Pushman sits down with fellow Foguth Financial advisor Kevin Beazley to break down the myths, pitfalls, and essential strategies you need to know for a successful retirement.✅ The importance of understanding Social Security✅ How a single phone call saved one widow $700/month 💰✅ Why required minimum distributions (RMDs) can be a hidden tax trapThis is a must-listen for anyone planning their retirement or helping a loved one through it. Don't leave your future to chance—get the facts now!📺 YouTube: https://www.youtube.com/playlist?list=PLNDWl2V2RGI7KPlFAPy7Lk3toaV_z6eIm🎧 Spotify: https://open.spotify.com/show/4AhOXl0R3Dpmi79RNYXi5E🎧 Apple Podcast:https://podcasts.apple.com/us/podcast/real-world-retirement-podcast/id1789828342💬 Have questions? Drop them in the comments or DM us!

 In episode three of Real World Retirement, Foguth Financial advisors Alex Pushman and James Katikos discuss the complexities of early retirement and the importance of proper income planning. James shares his personal journey into financial advising, rooted in family experiences that shaped his passion for helping others secure their financial futures. Together, they analyze a real-life case study of a client navigating early retirement without a pension and explore strategies for creating a "family pension" and sustainable income plan. Tune in for practical insights on how thoughtful planning can provide peace of mind and help families truly enjoy their golden years. 

In this episode of Real World Retirement, we’re tackling one of the most common and misunderstood obstacles to financial freedom—debt. Host Alex Pushman is joined by Adam Spears, a top financial advisor with a unique background in real estate and financial planning. Adam shares his personal story of growing up with two parents who had starkly different approaches to money and how those experiences shaped his passion for helping others prepare for retirement.The episode dives deep into the "game" of managing debt, including common questions like whether to pay off a mortgage, how to prioritize high-interest loans, and why understanding "good debt" versus "bad debt" is critical for retirement planning. Through real-life examples, Adam demonstrates how a tailored strategy can help individuals and families eliminate financial burdens while creating space to save for the future.From analyzing household debt trends to exploring practical solutions like debt prioritization and leveraging home equity, Adam explains how financial planning can empower people to overcome retirement hurdles. Whether you're carrying a mortgage, student loans, or credit card debt, this episode breaks it down into actionable steps that anyone can follow to achieve a financially secure retirement.Key Takeaways:Why debt planning is just as crucial as saving for retirement.The difference between productive debt and financial inhibitors.Real-world strategies to transition from debt repayment to retirement saving.Tune in to learn how to take control of your finances and set a solid foundation for your retirement dreams!

In the premiere episode of the Real World of Retirement Podcast, we sit down with Foguth Financial Advisor Katie Gushen to tackle the difficult but vital topics of death, taxes, and end-of-life planning. Katie shares a deeply personal story about discussing her grandparents’ plans and how it shifted her perspective on the importance of preparation. From emotional family moments to professional insights, she highlights why addressing “the elephant in the room” is essential for peace of mind. Whether you're planning for your future or supporting loved ones, this episode is full of lightbulb moments you won’t want to miss.