Unleash Your Wealth

Hosted by Raj Shah

Business Investing Education

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Episodes

184

Latest episode

Aug 2026

Language

About the show

“Unleash Your Wealth” is dedicated to empowering the investor and retirement saver with the information they need to expect more from their financial advisor. Raj Shah is the president and founder of SC Wealth Advisors in Chicago, Illinois. He and his team have more than a half a century combined experience working for their clients! Learn more about Raj and his team at https://scwealthadvisors.com Follow on Facebook , LinkedIn , and Twitter !

Listen to episodes

60 recent

August 18, 202617 min

Is Your Retirement Ready for the Next Market Thunderstorm?

What happens when a strong market masks growing risks beneath the surface? On this episode, Raj Shah and Rick Borek discuss the gap between stock market gains and economic uncertainty, why many pre-retirees are reconsidering portfolio risk, and the challenges inflation creates for long-term retirement income. They explore how market volatility, sequence-of-returns risk, and changing economic conditions can affect retirement planning, while highlighting the importance of aligning investments with personal risk tolerance and income needs. Based on the discussion, listeners hear why many investors are taking a fresh look at their retirement strategies. For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

August 11, 202617 min

Your 401(k) Is Growing. But Is It Ready for Retirement?

What happens when a lifetime of saving becomes a retirement paycheck? On this episode, Raj Shah and Rick Borek discuss the key decisions retirees face, from managing 401(k) rollovers and required minimum distributions (RMDs) to evaluating Roth conversions and addressing market volatility. They explain why retirement changes the way investors should think about risk, taxes, and income planning, and highlight common mistakes people make when leaving money in former employer retirement plans. The conversation focuses on building a retirement strategy that reflects today's goals rather than yesterday's investment habits. For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

August 4, 202615 min

Build the Ark Before the Market Storm Hits

What happens to your retirement plan when the market’s sunshine suddenly turns into a storm? Raj Shah and Rick Borek discuss why protecting gains during strong markets may be just as important as pursuing growth. They explore strategies designed to help manage downside risk, the importance of preparing for market volatility before it arrives, and how comprehensive retirement planning goes beyond investments alone. The conversation also examines the growing role of AI in financial decision-making and why human experience and personalized planning remain important when navigating complex retirement choices. For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

July 28, 202615 min

The $1 Million Retirement Myth: What Really Matters?

Do you really need $1 million to retire, or is that just a retirement myth? Raj Shah and Rick Borek discuss why retirement success may depend more on income planning than hitting a specific savings target. They explore how guaranteed income strategies, Social Security, 401(k)s, fixed income options, and portfolio structure can work together to create financial confidence. The conversation also highlights why many pre-retirees struggle to turn retirement savings into a sustainable income plan and why a 401(k) alone is not a complete retirement strategy. For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

July 21, 202618 min

Market Highs, Social Security Risks, and the Retirement Planning Puzzle

Could today’s market highs and Social Security uncertainty be warning signs retirees can’t afford to ignore? Raj Shah and Rick Borek discuss why diversification matters as investors navigate market volatility, concentrated stock positions, and retirement income planning. They explore the risks of relying too heavily on a handful of stocks, the role of fixed income strategies in retirement, and how potential future Social Security benefit reductions could impact long-term financial plans. The conversation emphasizes creating predictable income streams while maintaining confidence in an unpredictable market. For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

July 7, 202610 min

The Retirement Advice That Worked Then—But Might Not Work Now

What if the retirement strategies that worked 30 years ago could leave today’s retirees unprepared? Steve Hoyl discusses how retirement planning has evolved, the impact of inflation on pensions and Social Security, and why experience matters when seeking financial guidance. They explore common retirement challenges, including taxes, RMDs, Roth conversions, and helping future generations build tax-efficient savings. The conversation also examines the balance between spending and saving through concepts like FOMO, YOLO, and JOMO, highlighting the emotional and financial decisions that shape retirement. For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

July 2, 202617 min

Why Long-Term Care Could Be the Biggest Threat to Your Nest Egg

What if one health event could cost more than your retirement plan is built to handle? Raj Shah and Rick Borek discuss the growing impact of market volatility, inflation, and long-term care expenses on retirement planning. They explore why many retirees underestimate healthcare costs, review strategies designed to address long-term care needs, and explain how investors approaching retirement may evaluate risk after years of market gains. The conversation also covers in-service rollovers, retirement income planning, and tools that may offer downside protection while maintaining market participation. For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

June 23, 202618 min

Retirement Risk: When Growth Turns Into Vulnerability

After years of market gains, are you protecting what you’ve built—or risking giving it back? Raj Shah and Rick Borek discuss why investors approaching retirement should shift focus from growth to preservation, emphasizing risk mitigation, portfolio protection strategies, and reducing drawdowns. They explore limitations inside 401(k)s, the importance of balancing income and risk, and how rising costs—especially healthcare and inflation—impact retirement planning. The conversation also highlights strategies to generate sustainable income while maintaining flexibility, ensuring portfolios can support long-term financial needs without overexposure to market volatility. For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

June 16, 202616 min

Inflation, Market Highs, and the Retirement Wake-Up Call

Inflation is rising, Social Security faces potential cuts, and retirement plans are being tested in real time. Raj Shah and Rick Borek break down how persistent inflation, market volatility, and shifting interest rates are forcing retirees to rethink income strategies. They discuss why traditional “safe” investments may no longer behave as expected, how sequence-of-returns risk impacts early retirement years, and what it means to protect a portfolio while still participating in market growth. The conversation centers on balancing risk, managing withdrawals, and adjusting expectations in a changing economic environment. For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

June 9, 202616 min

The Cost of Not Planning: What Happens to Your Wealth?

What happens when a sudden windfall meets poor planning? This episode explores how business owners, retirees, and high-net-worth families can approach generational wealth, tax efficiency, and income planning. Raj Shah and Rick Borek discuss structuring large liquidity events, minimizing estate tax exposure, and using tools like trusts and life insurance strategies to transfer wealth. They also examine how priorities shift at higher net worth levels—favoring preservation, predictability, and tax awareness over risk-taking—while highlighting the role of proactive tax planning in long-term financial outcomes. For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.