Ready to get your free Retire Wyze assessment? Start here: https://wyzewealthadvisors.com/free-retirement-assessment/

A financial plan is only as good as the assumptions it’s built on. In this episode, Ryan, Ron, and Nick explore how unrealistic assumptions can give you a false sense of security and take you inside our data-driven retirement process that you can count on.

They cover everything from return expectations and inflation modeling to overlooked expenses and long-term care planning. You’ll learn about the “retirement smile” (go-go, slow-go, and no-go years), why healthcare inflation deserves its own category, and how minor blind spots—like travel, home maintenance, and car purchases—can throw a wrench into your future.

Learn more about how we use stress testing tools to make sure your plan holds up even in bad market conditions, and why regular reviews are critical to staying on course.

Here’s what we cover in this episode:

🧾 Healthcare and Social Security inflation are often miscalculated
🏠 Expenses like home maintenance and cars are easily overlooked
📊 Stress tests help ensure you won’t run out of money—even in a downturn
🔁 Regular updates and realistic inputs = better long-term outcomes

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H

Ready to get your free Retire Wyze assessment? Start here: https://wyzewealthadvisors.com/free-retirement-assessment/

Dividend investing sounds safe, but is it really the smartest way to generate income in retirement? In this episode, Ryan, Ron, and Nick unpack both the appeal and the pitfalls of building your retirement strategy around dividend-paying stocks. While the steady income may feel comforting, it can mask bigger risks like overconcentration, tax inefficiency, and the danger of chasing high yields.

Nick breaks down why dividend income feels psychologically secure, even if it’s not always the most effective path. Ron shares real-life cautionary tales of clients who relied too heavily on dividends and paid the price. The team then outlines their own more holistic approach, blending dividend stocks with high-quality bonds and a disciplined rebalancing process. Relying on dividends alone might feel safe, but it can leave you overexposed, under-diversified, and vulnerable to market shifts.

Here’s what we cover in this episode:

📈 Dividend stocks vs. bonds: what really protects against inflation?

⚠️ The danger of chasing yield (and what Westinghouse taught us)

🏦 How dividends impact taxes in taxable vs. retirement accounts

🧰 Our holistic approach to income planning

🔄 Rebalancing 101: how selling high and buying low protects your future

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H

Ready to get your free Retire Wyze assessment? Start here: https://wyzewealthadvisors.com/free-retirement-assessment/

Is all debt bad? Should you be completely debt-free before retirement? In this episode of Retire Right, Ryan, Ron and Nick discuss the critical topic of debt management and how it fits into a retirement plan. They dig into real-life examples—credit cards, mortgages, second homes, even RVs, and explain why some debt can actually work for you while other types can quietly wreck your financial future.

Here’s what we cover in this episode:

💳 The difference between “good debt” and “bad debt”
📊 When expected returns make keeping debt the smarter move
🏠 Why most retirees should aim to be debt-free—but not always
🧾 How paying off debt can trigger major tax consequences
📉 The risks of reverse compounding in down markets

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H