🎯 Not sure where you stand with your retirement plan? Schedule your Complete Planning Review: https://www.rwpaul.com/complete-planning-review

When the market is strong, everyone feels like a confident investor—but true risk tolerance isn’t about how you feel when things are going well. In this episode of Retirement Approved, Matt and Steve dig into the emotional and mathematical sides of risk tolerance—how much risk you can handle versus how much you’re willing to handle. Managing emotions can be just as important as managing returns, and this video will help you understand investor behavior better.

Here’s what we discuss in this episode:

🎲 Risk changes with emotion – Market highs make investors fearless; downturns make them cautious.

💵 Think in dollars – A 20% loss feels different when your portfolio is much larger.

⚖️ Capacity vs. tolerance – Understand both your financial ability and emotional comfort with risk.

🔁 Rebalance regularly – Lock in gains during strong markets to protect against future dips.

🧠 Avoid recency bias – Past success doesn’t guarantee future results, especially after long bull runs.

Learn more about us: https://www.rwpaul.com/our-firm

Contact Matt & Steve: https://www.rwpaul.com/contact

Phone: 248-305-9911

Find us on YouTube: https://bit.ly/481OA51

🎯 Not sure where you stand with your retirement plan? Schedule your Complete Planning Review: https://www.rwpaul.com/complete-planning-review

Roth conversions can be one of the most effective ways to reduce taxes in retirement, but only if you use them strategically.

In this episode of Retirement Approved, Matt Dombrowski, CFP® joins the show to break down the Roth planning strategies retirees should use to manage taxes, avoid penalties, and maximize long-term wealth. From timing conversions based on tax brackets to utilizing the Roth IRA’s ability to grow tax-free for your beneficiaries, we will walk you through the steps to take before retirement to make the most of this powerful tool.

Here’s what we discuss in this episode:

🧮 Timing is key – The “tax valley” years are prime for conversions.

💼 Tax bracket management – Maximize conversions without bumping into higher brackets.

🏥 IRMAA avoidance – Avoid penalties and higher premiums by staying below Medicare income thresholds.

🏡 Roth for legacy – Leave tax-free money for your heirs with strategic planning.

Learn more about us: https://www.rwpaul.com/our-firm

Contact Matt & Steve: https://www.rwpaul.com/contact

Phone: 248-305-9911

Find us on YouTube: https://bit.ly/481OA51

🎯 Not sure where you stand with your retirement plan? Schedule your Complete Planning Review: https://www.rwpaul.com/complete-planning-review

Your cash has been working overtime these past two years—but that high-yield honeymoon might be ending soon. With the Fed widely expected to start cutting interest rates in the coming months, now is the time to act.

In this episode of Retirement Approved, Matt Paul, Steve Paul, and Marc Killian share five smart moves to consider before rates drop.

Here’s what we discuss in this episode:

📦 BOXX strategy – Convert bank interest into long-term capital gains for tax efficiency.

📉 Bonds are back – Rates and risk/reward profiles are improving after a tough decade.

🛡 MYGAs – Lock in 4–6% guaranteed rates for multiple years before they drop.

📈 Fixed index annuities – Participate in market upside without downside risk.

⏳ Don’t wait – Opportunities may be gone by the time rates fall below your “trigger” level.

Learn more about us: https://www.rwpaul.com/our-firm

Contact Matt & Steve: https://www.rwpaul.com/contact

Phone: 248-305-9911

Find us on YouTube: https://bit.ly/481OA51