Retirement Answer Man

Roger Whitney, CFP®, CIMA®, RMA, CPWA®

Retirement Planning

Social Security

Financial Planning

Financial Independence

Retirement

Personal Finance

Behavioral Finance

Investment Strategies

Fire Movement

Financial Security

Marriage

Investment Strategy

Tax Management

Medicare

Inflation

Travel

Financial Management

Private Equity

Affordable Care Act

Fire

A top retirement podcast. Roger Whitney, CFP®, CIMA®, CPWA®, RMA, guides you on how to actually do retirement well financially and personally. This retirement podcast isn't afraid to talk about the softer side of retirement. It will teach you how to retire with confidence. Two-time PLUTUS winner for best retirement podcast / blog and the 2019 winner for best financial planner blog. This retirement... more

1.4k ratings

Publishes	Weekly	Episodes	649	Founded	12 years ago
Number of Listeners		Categories	BusinessInvestingSelf-ImprovementEducation

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Guests Host Reviews Charts Talking Points

Latest Episodes

Decluttering for Retirement: How a Simpler Life Helps You Rock Retirement

Roger Whitney continues the decluttering series by exploring the opportunities that come from simplifying your life, finances, and relationships. He explains how reducing complexity can create more mental space, clarity, and confidence in retirement ... more

13 May 2026 • 39 min

Decluttering for Retirement: It's More Than Cleaning Out Your Closet

Roger Whitney kicks off a new series on decluttering for retirement, explaining how the accumulation of “stuff”—from physical belongings to financial accounts to relationships—can unconsciously shape our decisions and limit our ability to envision a ... more

6 May 2026 • 50 min

How Long Will You Live After Retirement?

Roger Whitney explores one of the most overlooked variables in retirement planning: longevity, and how assuming you’ll live too long can quietly force you to save more, spend less, and potentially miss out on life. Through a conversation with Dr. Bob... more

29 Apr 2026 • 57 min

Listener Questions: How Do I Create a Diversified Portfolio?

Roger Whitney breaks down how to create a diversified portfolio by explaining the core principles of diversification and asset allocation, then answers listener questions on topics like using allocation funds, shifting from the S&P 500 to total marke... more

22 Apr 2026 • 48 min

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Recent Guests

Wade Pfau

Author of The Retirement Planning Guidebook; researcher and creator of the RISA

Retirement Researcher / The Retirement Planning Guidebook

Episode: Retirement Talk with Dr. Wade Pfau

Dr. Harry Reiss

Professor focusing on interpersonal relationships, co-author of How to Feel Loved

University of Rochester

Episode: How to Feel Loved with Dr. Harry Reis

Cesar Aguirre

Author of Retirement with Purpose, focusing on the 10 R's for Joyful Retirement

Self-published author

Episode: The 10 R's for a Joyful Retirement with Cesar Aguirre

Dr. Bobby

Discusses health topics related to diet and nutritional choices

Episode: How to Navigate Goals as Life Unfolds

Peter Lazaroff

Chief Investment Officer of Plancorp

Plancorp

Episode: Don't Get Cute with Your Retirement Investments

Kathy McNair

Elder law attorney with over 25 years of experience

seniorsolutionsinfo.com

Episode: Elder Care Options for Singles

Michael Easter

New York Times bestselling author and contributing editor to Men's Health

University of Nevada, Las Vegas

Episode: Replay: How to Manage Your Scarcity Brain

Andrew Motiwala

Founder of A Good Life Abroad

A Good Life Abroad

Episode: How to Improve Your Retirement Travel

Charles Ellis

A legend in the investment management industry and author of 'Winning the Loser's Game'

Episode: Process Over Panic: Investing with Charles Ellis

Host

Roger Whitney

Host and practicing retirement planner with over 30 years of experience, dedicated to helping listeners rock their retirement through both financial and emotional planning aspects.

Reviews

4.6 out of 5 stars from 1.4k ratings

How to build a diversified Portfolio
This episode starts with a “what if I know nothing” approach, and built up to a much more sophisticated Q and A for an investor with a $10M portfolio.
That’s what I love about these >600 episodes. There is always a new nugget you can build upon if you can stomach the redundancy (or fast forward). It reinforces sound advice about Timeframe and building the 3 key buckets: Contingency, liquidity, and growth funds.
Thanks Roger
Apple Podcasts
5
Semi-Retired in Colorado
United States21 days ago
My favorite podcast!
Roger's personality and speaking style make this podcast the most pleasant to listen to. While he seems very relatable and down to earth, he shares very helpful insights regarding financials and other retirement aspects. He covers multiple topics in each episode and keeps the pace lively, but easy to digest. This is my absolute favorite podcast!
Audible
5
Terri B.
United States2 months ago
Roger's personality and speaking style make this podcast the most pleasant to listen to. While he seems very relatable and down to earth, he shares very helpful insights regarding financials and other retirement aspects. He covers multiple topics in each episode and keeps the pace lively, but easy to digest. This is my absolute favorite podcast!
Audible
5
Terri B.
United States2 months ago
Thoughtful ideas about how to deaccumulate
Knowledgeable professional with an earnest desire to help us not hurt ourselves when we retire
Apple Podcasts
5
Mick J
United States5 months ago
Nearing Retirement?
There are a lot of podcasts out there, but if you’re starting the think about retirement (or have already retired) this is my favorite. Roger covers the technical and emotional needs as one shifts from accumulating wealth to decumulation, and never loses focus on enjoying that retirement.
Apple Podcasts
5
J@(&
United States5 months ago

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Listeners Say

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

Positive feedback often focuses on the expert insights and the balanced presentation of information that blends technical financial planning with the emotional side of retirement.

Many find the practical advice and real-life examples shared by both the host and guests particularly valuable for navigating their own retirement planning challenges.

Listeners appreciate the thoughtful exploration of both financial and non-financial aspects of retirement, highlighting the holistic approach to planning and living well during retirement.

The host's engaging personality makes complex topics accessible and enjoyable, making it feel like a conversation with a friend.

There is some critique regarding the length of episodes, with some listeners feeling they are getting longer than necessary.

Chart Rankings

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

Apple Podcasts	#48	United States/Business/Investing
Apple Podcasts	#154	United States/Business
Apple Podcasts	#211	Mexico/Business/Investing
Apple Podcasts	#233	South Africa/Business/Investing
Apple Podcasts	#235	Sweden/Business/Investing
Apple Podcasts	#243	Ireland/Business/Investing

Talking Points

Recent interactions between the hosts and their guests.

Decluttering for Retirement: It's More Than Cleaning Out Your Closet

Q: Is it wise to convert or rearrange Roth accounts versus spending cash now when considering retirement feasibility?

If you have a feasible plan, run one‑off scenarios to see how spending $100,000 from cash versus continuing Roth savings affects long-term feasibility; often, continuing to save in Roth provides more flexibility and potential tax-free growth later on.

Decluttering for Retirement: It's More Than Cleaning Out Your Closet

Q: With longevity planning, how should I balance spending today against the possibility of needing funds later in life?

Use a dual-tracking approach to longevity by evaluating scenarios at multiple ages (e.g., 83 and 90) to understand how spend and investment risk affect fundedness, and then choose options that enhance life experiences while keeping plan feasibility under control.

Listener Questions: How Do I Create a Diversified Portfolio?

Q: What are your thoughts on using allocation or balanced funds or ETFs as opposed to a portfolio of individual funds or ETFs, and should we favor global funds or US-only exposure?

The guest host explains that asset allocation funds can be great for accumulation due to simplicity and behavioral protection, especially for near-term goals, while in retirement they may be appropriate mainly for the growth portion of a portfolio. He outlines a practical framework: allocate to a contingency fund, a liquidity/income floor, and a growth portfolio, and then decide whether to use a fund-of-funds approach or individual components based on account size, tax considerations, and desire for customization. For smaller accounts, allocation funds can work well for simplicity; for larger accounts, individual pieces offer tax efficiency and customization, with a bias toward total market exposure over a pure S&P 500 for broader diversification.

Listener Questions: Should I Take Social Security Early and Invest It?

Q: Should I move my 401(k) to an advisor or a low-cost fund to avoid fees?

If the goal is to minimize fees and you're comfortable managing asset allocation and retirement analyses on your own, a low-cost mutual fund approach can be sensible; hiring an advisor should be justified by value beyond investment returns, such as planning guidance and decision support.

Listener Questions: What Should I Be Doing When I'm Two Years from Retirement?

Q: Is it better to convert to a Roth now or later if faced with Roth conversions and IRMA considerations?

Converting in down markets can still be advantageous for tax purposes; to manage IRMA, keep a buffer above the IRMA cliff and consider larger, deliberate conversions in a single year to reduce ongoing risk, while maintaining flexibility in annual planning.

Audience Metrics

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

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Frequently Asked Questions About Retirement Answer Man

What is Retirement Answer Man about and what kind of topics does it cover?

This podcast offers valuable insights into the multifaceted world of retirement planning, emphasizing not just the financial aspects but also the emotional and lifestyle considerations. The content frequently revolves around essential topics such as healthcare, Social Security, tax strategies, and methods for creating a sustainable retirement income. Listeners are encouraged to think critically about their retirement choices, with discussions on both practical strategies and personal experiences shaping their journey. Unique to this podcast is its holistic approach, addressing both the excitement and challenges of retiring, making it a refreshing resource for individuals seeking comprehensive guidance on navigating this life transition.

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How many listeners does Retirement Answer Man get?

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What are the audience demographics for Retirement Answer Man?

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How many subscribers and views does Retirement Answer Man have?

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Which podcasts are similar to Retirement Answer Man?

These podcasts share a similar audience with Retirement Answer Man:

1. Retirement Starts Today
2. Stay Wealthy Retirement Podcast
3. Ready For Retirement
4. Retirement Planning Education, with Andy Panko
5. Sound Retirement Radio

How many episodes of Retirement Answer Man are there?

Retirement Answer Man launched 12 years ago and published 649 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

How do I contact Retirement Answer Man?

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Where can I see ratings and reviews for Retirement Answer Man?

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What guests have appeared on Retirement Answer Man?

Recent guests on Retirement Answer Man include:

1. Wade Pfau
2. Dr. Harry Reiss
3. Cesar Aguirre
4. Dr. Bobby
5. Peter Lazaroff
6. Kathy McNair
7. Michael Easter
8. Andrew Motiwala

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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