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Retire With Style

Wade Pfau & Alex Murguia
Retirement Planning
Social Security
Retirement Income Planning
Tax Planning
Roth Conversions
Financial Planning
Inflation
4% Rule
Annuities
Retirement Income
Investment Strategies
Long-Term Care Insurance
Market Volatility
Asset Allocation
Roth IRA
Long-Term Care
Mclean Asset Management
Retirement
Estate Planning
Medicare

The purpose of Retire With Style is to help you discover the retirement income plan that is right for you. The first step is to discover your retirement income personality. Your hosts Wade Pfau, PhD, CFA, RICP and Alex Murguia, PhD walk you through creating and implementing a retirement plan that will help you reach your goals, and that you’ll be able to stick with.Start by going to retirewithstyl... more

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Artwork for Retire With Style

Latest Episodes

In this episode of 'Retire with Style', Wade Pfau and Alex Murguia welcome Joe Elsasser, founder of Covisum and author of 'Grounded Confidence'. Their discussion examines post-work income strategies, the evolution of Social Security claiming practice... more

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Required Minimum Distributions (RMDs) are an unavoidable part of retirement for many retirees, but understanding how they work can help you avoid costly tax surprises. In this episode of Retire With Style, Wade and Alex break down the rules surroundi... more

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In this episode of 'Retire with Style', Alex and Wade introduce their new studio and discuss the upcoming tax planning challenge. They delve into the basics of federal income taxes, including total income, adjusted gross income, and the importance of... more

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Not all retirement accounts are created equal, especially when it comes to taxes. In this episode of Retire With Style, Wade and Alex break down the different types of retirement accounts and how each can impact your financial future. From traditiona... more

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Recent Guests

Jason Rizkallah
Head of Financial Planning, McLean Asset Management
McLean Asset Management
Episode: Episode 231: Why Financial Planning Alone Won't Prepare You for Retirement
Daniel Crosby
Chief Behavioral Officer at Orion and author of The Soul of Wealth
Orion
Episode: [Best of 2025 Repost] Episode 174 The Psychology of Investing Understanding Market Reactions
William Bengen
Founder and creator of the 4% Rule and retirement income planning expert
Episode: [Best of 2025 Repost] Episode 195: The 4% Rule and Beyond: Retirement Strategies with Bill Bengen
Beth Pinsker
Author of My Mother's Money, A Guide to Financial Caregiving
Episode: Episode 206: Wills, Trusts, and the Caregiving Journey
Brett Layton
Guest expert discussing tax implications and planning strategies
Episode: Episode 203: OBBBA and You, Part 3: Building, Passing, and Protecting Wealth Under OBBBA
Brett Leyton
CPA with a Masters in Taxation and a member of the Retirement Researcher Academy
Episode: Episode 201: OBBBA and You: How the “One Big Beautiful Bill” Reshapes Retirement Taxes
Dan Haylett
Author of 'The Retirement You Didn't See Coming' and host of the podcast 'Humans Versus Retirement'
Episode: Episode 199: Beyond the Numbers: Planning for Life, Not Just Finances
Bill Bengen
The father of the 4% rule and retirement planning expert
Bengen Financial Services
Episode: Episode 197: RWS Live! With Bill Bengen: Part 2
Alex Murguia
Co-host of Retire With Style
Retire With Style Podcast
Episode: Episode 196: RWS Live! With Bill Bengen: Part 1

Hosts

Wade Pfau
Host of Retire With Style; McLean Asset Management / Retirement Researcher
Alex Murguia
Co-host of Retire With Style; McLean Asset Management / Retirement Researcher

Reviews

4.0 out of 5 stars from 241 ratings
  • Good content

    Research based concepts.

    Apple Podcasts
    5
    Interested bystander
    United States25 days ago
  • Like listening to Breaking Bad

    It’s like Wade Pfau is Walter White, a genius in his field, and Alex is like Jesse Pinkman. I like listening because I think Wade is very knowledgable when it comes to retirement planning, but at times this podcast comes across unprofessional. Long pauses and gaps, coughing or other awkward moments that should be cleaned up.

    Apple Podcasts
    3
    Brights95
    Canadaa month ago
  • Good content, but

    Another podcast suggested that you are pushing annuities because of your work affiliations.

    Apple Podcasts
    5
    Interested bystander
    United States2 months ago
  • Informative, sometimes gets off track

    I’ve been listening to the podcast for about a year, and it’s providing lots of useful information. Wade gives excellent, detailed explanations. My one concern is that Alex sometimes goes off on tangents that detract from the explanations. He’s clearly trying to keep the mood of the show a bit lighter, but he can come across as goofy.

    Apple Podcasts
    4
    Rieslingfans
    United States7 months ago
  • One of the best retirement prep podcasts

    I look forward to this podcast as it presents very interesting insights on multiple retirement topics

    Apple Podcasts
    5
    JasSohi
    United States8 months ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Listeners praise deep retirement planning insights and Wade's expertise, with some noting Alex's tangents as a drawback.
Overall positive sentiment about practical, actionable retirement guidance and banter-balanced delivery.
Some criticism focuses on pacing and on-air chemistry, suggesting tighter editing could improve clarity.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Talking Points

Recent interactions between the hosts and their guests.

Episode 253: Required Minimum Distributions Explained: How to Avoid Costly Tax Surprises
Q: Are there things that could be done, I think in qualified charitable distributions, etc.?
Eligible IRA owners age 70½ or older can transfer funds directly to a qualified charity through a QCD. The qualifying amount can count toward an RMD without being included in adjusted gross income.
Episode 253: Required Minimum Distributions Explained: How to Avoid Costly Tax Surprises
Q: When do required minimum distributions begin, and which accounts are subject to them?
They generally begin at age 73 or 75 depending on birth year and apply to tax-deferred retirement accounts such as traditional IRAs and 401(k)s. Roth accounts are exempt from RMDs for the original owner.
Episode 252: Tax Diversification: How to Keep More of Your Retirement Savings
Q: How should someone decide whether to contribute to a tax-deferred account or make a Roth conversion?
Pfau says the decision depends on the tax rate now compared with the rate expected when money is withdrawn. A lower current tax rate may favor Roth contributions or conversions, while a higher current rate may favor taking a deduction through tax-deferred contributions. Planning should also account for required distributions and other effects on taxes, Medicare premiums, Social Security and health insurance subsidies.
Episode 252: Tax Diversification: How to Keep More of Your Retirement Savings
Q: What are the tax advantages of brokerage accounts, traditional retirement accounts, Roth accounts and Health Savings Accounts?
Wade Pfau explains that taxable brokerage accounts do not provide the same contribution deduction or tax deferral as retirement accounts, but can offer preferential rates on qualified dividends and long-term capital gains. Traditional accounts can provide a deduction and tax-deferred growth, with distributions generally taxed as ordinary income. Roth accounts use after-tax contributions and can provide tax-free qualified distributions. HSAs can offer all three benefits when used for qualified medical expenses.
Episode 250: Do Annuities Actually Improve Retirement Outcomes? What the Math Says
Q: When I try moving bonds to annuities in a Monte Carlo model, it lowers my odds of success. It also lowers my terminal value at every market scenario. Why might that happen?
Possible causes include optimistic market-return assumptions, a planning horizon ending too early, simulation variability, and the allocation being funded by selling stocks rather than bonds. The hosts add that a lower success rate may not capture the annuity's guaranteed income or the severity of potential shortfalls.

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Frequently Asked Questions About Retire With Style

What is Retire With Style about and what kind of topics does it cover?

A practical retirement-planning show led by two hosts who blend expert guidance with approachable discussion. Episodes repeatedly cover withdrawal strategies, income planning, taxes, Social Security, and longevity risk, often using listener questions to illustrate real-life decisions. The format combines rigorous financial concepts (e.g., annuities, TIPS, HSAs, and tax-efficient blending) with accessible banter, making complex topics actionable for near-retirees and retirees evaluating different income styles. A notable strength is translating math into tangible rules and scenarios, while a recurring caveat is the balance between detailed financial guidance and lighthearted host banter, which some listeners find distracting but others appre... more

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Which podcasts are similar to Retire With Style?

These podcasts share a similar audience with Retire With Style:

1. The Retirement and IRA Show
2. The Long View
3. Retirement Planning Education, with Andy Panko
4. Retirement Answer Man
5. Retirement Starts Today

How many episodes of Retire With Style are there?

Retire With Style launched 5 years ago and published 100 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on Retire With Style?

Recent guests on Retire With Style include:

1. Jason Rizkallah
2. Daniel Crosby
3. William Bengen
4. Beth Pinsker
5. Brett Layton
6. Brett Leyton
7. Dan Haylett
8. Bill Bengen

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

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