Workplace retirement plans are beginning to offer more ways for participants to convert accumulated savings into retirement income. For investors nearing retirement, these options raise an important planning question: should a portion of a 401(k) be used to create a predictable lifetime income stream? In this episode, Derek Gabrielsen, CRPC® and Dave Abate, CFP® discuss the evolution of 401(k) plans, the increasing availability of annuity and lifetime-income options, and the potential l...
Aug 13
14 min
After spending decades accumulating wealth, shifting into retirement spending can be more difficult than expected. For many retirees, the challenge is not simply determining whether they have enough assets. It is becoming comfortable using those assets without feeling that they are jeopardizing the future. Derek Gabrielsen, CRPC®, and Dave Abate, CFP®, discuss the psychology behind this transition and the role a financial plan can play in evaluating spending decisions. The conversation ...
Aug 13
17 min
Women often face a different retirement planning equation. Longer life expectancies, career interruptions related to caregiving, lower average retirement savings, and the increased likelihood of managing finances alone later in life can all influence retirement income decisions. This episode examines Social Security timing, survivor benefits, pension elections, long-term care risk, and the role of guaranteed income in creating a more dependable retirement structure. The discussion also explai...
Aug 6
15 min
Roth conversions can provide meaningful tax-planning flexibility, but they are not automatically appropriate for every investor. The decision depends on current income, expected future tax rates, required minimum distributions, Medicare considerations, retirement cash flow, and the intended use of inherited assets. Derek Gabrielsen, CRPC® — Senior Wealth Advisor, and Tony Zabiegala, CRPC® — Senior Wealth Advisor, examine the growing role of Roth accounts in retirement planning. Their co...
Jul 30
19 min
Retiring into a bear market can put even a well-funded retirement plan under immediate pressure. The danger is not only the decline itself, but having to fund spending from depressed investments—and making emotional decisions that lock in losses. Derek Gabrielsen, CRPC® — Senior Wealth Advisor, and Tony Zabiegala, CRPC® — Senior Wealth Advisor, examine three retirement scenarios and the choices that changed the outcome. They discuss maintaining a reserve for portfolio-funded living expenses, ...
Jul 23
18 min
Rate cuts were expected at the beginning of 2026. Then inflation concerns and rising energy prices put potential rate hikes back on the table. Now, the latest inflation data has changed the outlook once again. In this episode of The Capitalist Investor, the team breaks down why inflation may remain between 3% and 4% for the foreseeable future and what that could mean for stocks, bonds, real estate, cash, annuities, and retirement income. They discuss the potential rotation between growth and ...
Jul 16
22 min
The Federal Reserve just released data linking immigration to housing market trends. Learn how rising house prices impact your retirement. This episode of The Capitalist Investor examines recent research from the Federal Reserve regarding the connection between unauthorized immigration and housing market trends. We bypass the political noise to focus strictly on the economic data provided by the central bank. If you are concerned about how shifting demographics might alter your long-term fin...
Jul 9
21 min
Roth or traditional IRA? 401(k) or IRA? Tax deduction now or tax-free withdrawals later? These are common questions when saving for retirement, but many people get stuck trying to make the “perfect” decision and end up delaying the most important step: actually saving. In this episode of The Capitalist Investor, the crew breaks down common IRA and retirement account mistakes, including why Roth vs. traditional is not always a simple answer, how required minimum distributions can affect reti...
Jul 2
9 min
A record number of Americans are tapping their 401(k)s through hardship withdrawals, and the reasons are not small or careless expenses. Many people are using retirement savings to avoid foreclosure, cover medical bills, or pay for major home repairs. In this episode of The Capitalist Investor, Derek and Dave Huberty discuss what is driving the increase in hardship withdrawals, why inflation and rising household costs are putting pressure on retirement plans, and what people should understand...
Jun 25
19 min
SpaceX just made history with the largest IPO ever, raising $75 billion and quickly becoming one of the most valuable companies in the world. The excitement has investors asking one question: Should you buy SpaceX stock? In this episode of The Capitalist Investor, Derek and Jack take a balanced look at the opportunities and risks surrounding SpaceX's public debut. Rather than focusing on hype, they discuss whether this high-growth company belongs in a retirement portfolio. Topics include: &nb...
Jun 18
17 min
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