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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', 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

In this episode of Retire With Style, Wade Pfau and Alex Murguia continue answering listener questions from their recent YouTube Live Q&A, tackling several important considerations for retirement income planning. They discuss whether buffer assets be... more

YouTube

In this tax-focused episode of Retire With Style, Wade and Alex tackle listener questions about how taxes should influence retirement decisions, with a particular emphasis on Roth conversions, withdrawal sequencing, and tax diversification. They expl... more

YouTube

In the final part of the Retire With Style Live Q&A, Wade and Alex tackle listener questions on tax-efficient retirement withdrawals, Roth conversions, Social Security, sequence-of-returns risk, annuities, and buffered ETFs. They explain why smart ta... more

YouTube

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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 States5 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
    Canada14 days ago
  • Good content, but

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

    Apple Podcasts
    5
    Interested bystander
    United Statesa month 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 States6 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.

Apple Podcasts
#102
United States/Business/Investing
Apple Podcasts
#166
Italy/Business/Investing
Apple Podcasts
#154
Mexico/Business/Investing

Talking Points

Recent interactions between the hosts and their guests.

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.
Episode 250: Do Annuities Actually Improve Retirement Outcomes? What the Math Says
Q: What percentage of income should we really aim to replace in retirement? And is it different for singles versus couples?
The hosts say the 80% figure is an average, not a requirement. Retirement spending targets should reflect the person's actual after-tax budget, goals, and any additional spending planned for early retirement.
Episode 249: Why Your Tax Bracket Doesn’t Tell the Whole Story
Q: Is it better to spread Roth conversions over 15 years or execute a more front-loaded plan to stay in a lower bracket?
Generally, starting earlier to take advantage of a favorable tax horizon is advisable, but the optimal path depends on other income sources, standard deduction usage, and long-term goals such as IRMA exposure and future Social Security timing.
Episode 249: Why Your Tax Bracket Doesn’t Tell the Whole Story
Q: Should I draw from the IRA first to fill the 12% bracket and then use the inherited taxable account for the rest of my spending?
In the given scenario, it may be reasonable to draw from the IRA up to the 12% bracket to minimize taxes while leveraging the inherited taxable account for the remaining spending, but final guidance depends on total income, deductions, and future tax projections; using a tax planning tool helps tailor the strategy.
Episode 247: Is the 4% Rule Still Relevant? What the Retirement Math Says
Q: comment on investing asset allocation for the next 5 to 10 years in the era of AI
There is no reliable forecast for the exact trajectory of AI-driven markets; forecasts are priced in by investors, and unexpected developments can cause spikes. Focus on adaptable strategies and probabilistic thinking rather than precise predictions.

Audience Metrics

Listeners, social reach, demographics and more for this podcast.

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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. Retirement Planning Education, with Andy Panko
2. The Retirement and IRA Show
3. The Long View
4. Big Picture Retirement®
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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