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What The Wealth Retirement PodcastAuthor: Jonathan Bednar II, CFP
When it comes to financial planning and investing, many of us have more questions than answers. The What the Wealth?! Retirement Podcast offers sound financial information and guidance on numerous concerns to help Gen X and Y families and professionals as well as 50-Forward individuals create the lives they love. Jonathan P. Bednar, II, CFP, joined Paradigm Wealth Partners in January 2010, where he is in partnership with his father, Jon P. Bednar. As a Wealth Advisor, Jonathan enjoys guiding his clients to make informed financial decisions and planning as a means to solve their investment and retirement concerns.Securities offered through LPL Financial. Member FINRA/SIPC. Investment advice offered through Paradigm Wealth Partners, a registered investment advisor and separate entity from LPL Financial. Language: en-us Genres: Business, Education, Investing Contact email: Get it Feed URL: Get it iTunes ID: Get it |
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"We've Got $1.2M, Can We Retire in Three Years?" (139)
Episode 139
Monday, 26 October, 2026
Three years out from retirement is where the plan either gets real or quietly turns into stress. We take a tight-margin case study a 60-year-old couple with $1.2 million saved who want to retire at 63 and show exactly why the final 36 months matter more than most people think.The numbers “work” once Social Security kicks in, but there’s a dangerous gap first: The bridge years between leaving work and claiming benefits at 67. We talk through what happens when most of your money sits in tax-deferred 401(k) and IRA accounts, why that creates a tax-heavy withdrawal problem, and how a thin taxable brokerage account can make the early retirement years feel shaky. We also dig into the parts people avoid until it’s too late: confirming your real retirement budget, pricing health insurance before Medicare, and stress testing for a market drop right after you retire.Then we lay out a simple year-by-year retirement planning framework: Year one is verification (12 months of spending proof and real projections), year two is positioning (building bridge-year liquidity and a separate cash reserve or war chest, plus evaluating Roth conversions and tax strategy), and year three is the rehearsal (living on the retirement budget and writing down withdrawal rules so you’re not winging it in a downturn). If you’re aiming for an early retirement, this is a practical roadmap to turn “hopeful” into “ready.”🗓️ Meet with me: https://paradigmwealthpartners.com/begin-your-journey/#calendly↔️ Connect with me on LinkedIn: https://www.linkedin.com/in/jbednarii/ 🌐 Paradigm Wealth Partners (website) – Financial planning for career professionals who want to retire and stay retired: https://paradigmwealthpartners.com/🌐 What the Wealth (website) – Adding clarity to difficult financial topics: https://whatthewealth.com/ ▶️ YouTube: Paradigm Wealth PartnersIf you or someone you care about could use the help of a financial advisor and sees the value in establishing a financial plan, please reach out to me. Thanks for Listening! Jonathan
