{"podcast":{"title":"Retirement Answer Man","slug":"retirement-answer-man-391124","podcast_index_feed_id":391124,"rss_url":"https://feeds.transistor.fm/retirement-answer-man","website_url":"https://www.rogerwhitney.com/blog","image_url":"https://img.transistorcdn.com/0kiUitDUurnzLaKvu-RmSrZo0ix5G32Q2WQOFm_klHQ/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS8zZWM3/NGVlZDE5ZDYyZGY1/MjJlZWUzMmIzODM1/ODlkNS5wbmc.jpg","author":"Roger Whitney, CFP®, CIMA®, RMA, CPWA®","episode_count":656,"summary":"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 podcast covers how to create a paycheck, medicare, healthcare, Social Security, tax management in retirement as well as retirement travel and other non-financial issues you'll need to address to rock retirement. Retirement isn’t an age OR a financial number. It’s finding that balance between living well today and feeling confident about your retirement. It’s about gaining more freedom to pursue the life you want. Join the rock retirement community at www.rogerwhitney.com","last_synced_at":"2026-07-01T18:22:09.489136+00:00","page_url":"https://stenobird.com/podcast/retirement-answer-man-391124"},"episode":{"title":"Know What You Pay: A Guide to Investment & Advice Costs","slug":"know-what-you-pay-a-guide-to-investment-advice-costs","published_at":"2026-06-10T08:00:00+00:00","page_url":"https://stenobird.com/podcast/retirement-answer-man-391124/know-what-you-pay-a-guide-to-investment-advice-costs","show_page_url":"https://stenobird.com/podcast/retirement-answer-man-391124","url":"https://share.transistor.fm/s/4d5b0a2b","audio_url":"https://media.transistor.fm/4d5b0a2b/7080b7e3.mp3","summary":"Roger Whitney explores the relationship between cost and value in retirement planning, focusing on how to better understand the fees associated with financial advice, investments, and insurance products. Using a listener question about an annuity recommendation as a starting point, he explains why investors need clarity around what they are paying so they can determine whether they are receiving enough value in return. Roger also answers listener questions about transitioning into retirement, creating an income strategy before Social Security begins, and shares more decluttering wins from the community. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN (00:00) Roger introduces the idea that understanding value requires first understanding price, and explains why investment and advisory fees can often feel difficult to identify. RETIREMENT TOOLKIT (02:49) Roger explores the relationship between price and value in financial planning, using a listener question about annuities to explain how advisor fees, investment expenses, and compensation structures work. He encourages listeners to understand what they are paying in dollar terms so they can determine whether the value they receive aligns with the cost. LISTENER QUESTIONS (26:23) A listener asks for guidance on navigating the emotional transition during the final year before retirement and how to \"land the plane\" well. (33:00) Roger shares listener feedback from his healthcare episode. (33:40) Roger addresses a question about whether paying for family vacations should count toward annual gifting limits. (35:08) Molly asks how to structure retirement withdrawals before claiming Social Security, and Roger shares his approach to creating an income reserve. SMART SPRINT (37:41) Take 20–30 minutes this week to identify th…","meta_description":"Roger Whitney explores the relationship between cost and value in retirement planning, focusing on how to better understand the fees associated with finan…","key_points":[],"chapters":[],"topics":[],"duration_seconds":2516,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/retirement-answer-man-391124/episodes/know-what-you-pay-a-guide-to-investment-advice-costs/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/retirement-answer-man-391124/know-what-you-pay-a-guide-to-investment-advice-costs.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}