Providence Financial Retirement Show with Anthony Saccaro

Hosted by Anthony A. Saccaro, ChFC, Esq.

Business Education

Website RSS feed

Episodes

461

Latest episode

Aug 2026

Language

About the show

What you don't know CAN hurt you! Retirement is the most expensive purchase you'll ever make and, because you only get one shot, you better get it right. This show is dedicated to helping retirees and Baby Boomers learn what they need to know so they can make informed decisions and retire successfully. And best of all, we make it understandable! If you want to learn how to avoid some of the more common mistakes I've seen retirees and Boomers make over the last two decades, tune in; and if you like what you hear, kindly consider giving us a review. It helps our show reach more people like you.

Listen to episodes

60 recent

August 17, 2026Episode 36141 min

7 Retirement Risks

What if your retirement plan looks great on paper, but life doesn't follow the plan? In this week's show, we explore seven common mistakes that can quietly undermine retirement security: - withdrawing too much from your portfolio - underestimating inflation - overlooking healthcare costs - relying on market returns - claiming Social Security too early - believing Long Term Care is for "other people" - failing to prepare for unexpected expenses Planning for these risks before they happen can make all the difference in protecting your income and your financial future. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

August 10, 2026Episode 46042 min

Is Your Retirement Truly Protected?

What happens if the market stalls, healthcare costs soar, or one spouse passes away sooner than expected? Preparing for worst-case scenarios is a key part of retirement planning. Learn how guaranteed income, tax planning, long-term care strategies, liability protection, and Social Security decisions can work together to create greater confidence and financial security throughout retirement. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

August 3, 2026Episode 45946 min

Confidence in Retirement Starts with a Plan

Retirement is about more than reaching a financial goal. It's about having the confidence to enjoy the years ahead. In this week's show, we explore both the financial and emotional sides of retirement, discussing why tax planning should begin before required minimum distributions, when annuities may or may not make sense, how longevity risk and sequence of returns can impact your nest egg, and why focusing on reliable retirement income may help reduce the fear of running out of money. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

July 27, 2026Episode 45840 min

How to Turn Higher Interest Rates into Retirement Income

Higher interest rates have created opportunities for retirees that haven't existed in years, but they may not last forever. Today's rate environment could allow investors to lock in income for years to come through bonds, annuities, dividend-paying investments, and other fixed-income strategies. We break down the important differences between individual bonds and bond funds, interest income versus dividends, and how taxes can dramatically affect your retirement income. Balancing safety, growth, and reliable income based on your time horizon and retirement needs is crititcal. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

July 20, 2026Episode 45741 min

Fiduciary vs. Broker - What's the Difference?

Not all financial advisors operate under the same rules, or have the same legal obligation to put your interests first. In this week's show, we explain the four primary types of financial advisors, including broker-dealers, insurance agents, registered investment advisors (RIAs), and do-it-yourself investing. You'll also learn the differences between the fiduciary, Regulation Best Interest (Reg BI), and suitability standards, how advisors are compensated, the strengths and limitations of robo-advisors and AI, and the key questions every investor should ask before choosing someone to help manage their financial future. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

July 13, 2026Episode 45644 min

The AI Boom: Opportunity or Retirement Risk?

AI stocks have driven massive market gains, but are investors ignoring the warning signs? In this week's show, we examine the evidence behind the AI bubble debate, including: - extreme market concentration - rising debt tied to AI infrastructure - spending that far exceeds revenue, - why some legendary investors are sounding the alarm Most importantly, we go over what near-retirees and retirees can do to protect their portfolios and create reliable income even if the AI boom loses momentum. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

July 6, 2026Episode 45542 min

The 4 Pillars of Financial Independence

In this special Independence Day edition of the podcast, we explain why true financial security isn't measured by your account balance - but by reliable income, adequate liquidity, smart tax planning and a proper estate plan. We also cover the ideal "bridge years" for Roth conversions, whether paying off your mortgage before retirement makes sense, and your listener questions. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

June 29, 2026Episode 45439 min

How to Optimize Roth Timing and Social Security Benefits

Welcome to another episode of the podcast! This week, we break down key retirement planning strategies that can significantly impact income, taxes, and long-term financial security. The discussion covers optimal timing for Roth conversions during the "bridge years" before required minimum distributions begin, and how strategic use of tax brackets can help create long-term tax-free income. We also explain important considerations like IRMAA and how conversions may affect Medicare premiums. The episode then explores long-term care planning and the evolution of asset-based insurance options that combine care protection with life insurance benefits. Finally, it highlights often-overlooked Social Security strategies, including spousal and divorced survivor benefits that can materially increase lifetime retirement income. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

June 22, 2026Episode 45342 min

Social Security, Taxes and Retirement Income

In this listener-driven episode of the Providence Financial Retirement Show, we answer some of the most common retirement questions. Learn why Social Security isn't likely to "go broke," what changes could be made to strengthen the system, and why filing decisions should be based on your personal situation, not fear. We also explain the "tax torpedo" and how IRA withdrawals can unexpectedly increase taxes, Medicare premiums, and the taxation of Social Security benefits. Plus, discover how Roth conversions can help reduce future tax burdens and whether today's higher interest rates make annuities worth considering as part of a retirement income plan. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

June 15, 2026Episode 45243 min

How to Avoid Costly RMD Penalties

In this episode of the Providence Financial Retirement Show, we break down the key rules behind Required Minimum Distributions (RMDs) and the mistakes that can trigger steep IRS penalties. You'll learn how RMD amounts are calculated, why they change year to year, and the critical "aggregation rules" that determine which retirement accounts can (and cannot) be combined when taking withdrawals. The episode also explains one of the most common and costly errors: taking an RMD from the wrong account type, and how that can still result in penalties even if you withdrew the correct total amount. Finally, we explain why proactive planning, including Roth conversions, can help reduce future RMD pressure and give retirees more control over taxable income in retirement. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/