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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're Tired of All the Statistics — You're Not Hearing Us" (115)
Episode 115
Tuesday, 14 October, 2025
A portfolio can grow while confidence shrinks—especially when every question gets answered with a statistic. In this episode I unpack a real case study of a retired couple who were told for 16 years to stay “70/30” and not touch their income because actuarial tables said they might live to 95.The returns looked fine on paper, but the plan didn’t feel like their life. So we rebuilt the conversation from the ground up: listen first, translate goals into cash flow, then design a structure that buys time and reduces stress.We walk through a simple, durable bucket strategy anchored by a five-year income “war chest” funded with fixed income and implemented through a bond ladder. When markets wobble, that ladder matures on schedule, keeping monthly checks uninterrupted and avoiding forced equity sales. With near-term income secured, we show how to responsibly raise their retirement paycheck by a few hundred dollars and create a path to adjust upward as the portfolio grows. It’s a shift from product labels to lived experience—less jargon, more clarity about how money supports everyday choices.We also explain why weekly market commentary can amplify anxiety, and how reframing communication around the psychology of money helps clients feel calm, confident, and in control. If you’ve ever wondered whether your retirement plan is built around your goals or someone else’s template, this story offers a blueprint for change: align values, secure cash needs, and let time do its work. Subscribe for more practical strategies, share this with someone stuck in “set-and-forget” mode, and leave a review to tell us what would make you feel more confident about your retirement.🗓️ 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
