The 5 Silent Retirement Killers (And How to Survive the Descent) | Future of Finance Ep. 22

Hey friends! Welcome to The Future of Finance Podcast 💕✨

Climbing the mountain of retirement is hard—but the descent is where most people fall. Literally.

In this eye-opening episode of The Future of Finance, Marissa Wood sits down with Sam Payne, a financial advisor with 40+ years of experience, to uncover the five hidden threats that can destroy your retirement plan if you’re not prepared.

From taxes and inflation to sequence of returns and long-term care, this is not a scare tactic—it’s your survival guide for making your money last as long as you do.

🧠 What You’ll Learn

How to fight inflation without overexposing your portfolio
Tax strategies to maximize income and minimize surprises
The overlooked danger of timing market withdrawals
Income solutions that protect against outliving your savings
Navigating long-term care without draining your nest egg

💬 What silent killer are you most worried about? Drop your questions in the comments, and we may cover them in a future episode.

👍 Like | 🔔 Subscribe | 📤 Share with a friend nearing retirement.

⏱️ Episode Timestamps

00:00 – Welcome + Everest analogy: Retirement is the climb, but the descent is where the danger lies
01:10 – Meet guest Sam Payne, 40+ year financial expert
02:00 – Why 80% of climbers die after reaching the summit
03:15 – The 5 "silent killers" that derail your retirement
04:30 – 🎯 Killer #1: Inflation – The grocery store gut punch
06:00 – Why investing is the only hedge—but not at any cost
08:00 – The real role of advisors: managing risk, not returns
09:50 – 🎯 Killer #2: Taxes – And the myth of lower tax brackets in retirement
11:30 – Roth conversions explained—pay the tax on the seed, not the harvest
13:45 – Tax-free retirement income: how it works in real life
15:15 – How Roth IRAs and cash value life insurance can offset taxes
17:30 – 🎯 Killer #3: Sequence of Returns Risk – Timing is everything
20:00 – Two brothers, same plan… radically different outcomes
22:00 – Tools to protect against early retirement losses
22:30 – Buffered ETFs and Index Annuities explained
25:30 – 🎯 Killer #4: Longevity – Your greatest amplifier of risk
27:30 – Lifetime income streams: peace of mind for 30+ year retirements
29:00 – How annuities work like pensions—and who benefits
31:00 – Balancing growth, protection, and guaranteed income
32:00 – 🎯 Killer #5: Healthcare Costs – The retirement wildcard
34:00 – Traditional LTC vs. Hybrid policies vs. Income-enhancing riders
36:00 – The one thing every retiree should take away from this episode
38:00 – Why a pile of assets isn’t a plan—and how to build the right one
39:30 – Get your free retirement descent strategy at Union Financial


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📩 Questions? Drop a comment below or email us at mgreen@union-financial.com

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