You’ve likely spent your entire lifetime saving for retirement. How do you make sure the money lasts as long as you do? How do you make sure you enjoy your retirement? It’s a balancing act for which there may be a solution.

Matthew Jarvis is a Financial Advisor who runs Jarvis Financial, located in Seattle, WA. He’s also the host of the podcast “The Perfect RA” and the author of the book “Delivering Massive Value.”

In this episode of Retire with Ryan, Matthew discusses the concept of retirement guardrails, how they work, and who they’re for. If you’re looking for a spending strategy that often leads to a successful retirement, this episode is for you.

• [0:56] Introducing this week’s guest, Matthew Jarvis
• [1:55] The big problems with the 4% rule
• [3:59] Why Matthew uses retirement guardrails
• [8:02] What if you can’t afford retirement guardrails?
• [10:20] How guardrails work for you
• [12:51] How frequently you should evaluate your guardrails
• [18:29] The five-year war chest
• [22:46] Who is the strategy for?
• [25:06] Don’t be afraid to get a second opinion

• Retirement Readiness Review
• Subscribe to the Retire with Ryan YouTube Channel
• BOOK: Delivering Massive Value
• The Perfect RIA podcast

www.MorrisseyWealthManagement.com/contact

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How much money do you need to save for retirement? $500,000? $2 million? The answer will never be the same. It’s specific to you. So how do you figure it out? In this episode of Retire with Ryan, I’ll share five steps you can follow to determine how much you need to retire.

• [1:25] Step #1: Calculate your budget for retirement
• [4:11] Step #2: Calculate what you’ll receive from Social Security
• [5:10] Step #3: Are you eligible for a pension?
• [5:40] Step #4: Will you have any other income sources?
• [6:27] Step #5: Look at your investments to see what you can withdraw
• [9:28] Go through this exercise to determine exactly what you need

• Retirement Readiness Review
• Subscribe to the Retire with Ryan YouTube Channel
• Get a FREE budget template on my website
• Check out all of my episodes on Medicare

www.MorrisseyWealthManagement.com/contact

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Could Social Security become tax-free? As the political scene heats up leading up to the 2024 Presidential Elections, and both candidates make their case for election, the topic of taxation has come up.

Former President Trump has promised that Social Security won’t be taxed if he’s elected. What could that mean for you? How is it currently taxed? I cover the details in this episode of Retire with Ryan.

• [1:35] How to get a copy of my new book!
• [2:20] The potential impact of Social Security not being taxed
• [4:50] I don’t believe we’ll see it happen: here’s why
• [5:52] How Social Security is currently taxed

• Retirement Readiness Review
• Subscribe to the Retire with Ryan YouTube Channel
• Fiduciary: How to Find, Hire, and Establish an Aligned and Trusted Partnership with a Fee-Only Financial Advisor
• Episode #206: Is Social Security Going Broke?
• Income Taxes and Your Social Security Benefit

www.MorrisseyWealthManagement.com/contact

Subscribe to Retire With Ryan