All Things Retirement

Retirement insights from Certified Financial Planner Anthony Aulffo of Cardinal Wealth Group in Cherry Hill, NJ. Learn about important financial topics and retirement planning tips each week on the show.

All Things Retirement is a business podcast hosted by Anthony Aulffo, with 85 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Anthony Aulffo hosts All Things Retirement, a business show with 85 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  Episode #84

  Is The 4% Rule Actually Costing Retirees Money?

  Jul 30, 202619 min

  Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now What if one of retirement planning’s most trusted rules is actually causing you to spend less than you safely could? The 4% rule has provided retirees with a straightforward guideline for decades, but newer research suggests that its simplicity may come at a significant cost. Anthony explains why a successful retirement income plan requires more than following a universal percentage. Could a more flexible strategy help you enjoy more of the money you worked so hard to save? Here’s some of what we discuss in this episode: How the 4% Rule Works: Understanding the traditional formula What the Research Revealed: Why retirees may underspend Probability-Based Guardrails: Adjusting spending as conditions change Your Plan Is Personal: Accounting for individual goals ⚖️ Flexibility Versus Certainty: Choosing the right tradeoff The 4% Rule May Be Costing Retirees Money, Morningstar Says https://www.fa-mag.com/news/the-4--rule-may-be-costing-retirees-money--morningstar-says-87521.html Resources: Our website: https://cardinalwg.com/ Phone: (609) 362-5512 Contact our team: https://cardinalwg.com/contact-us Schedule your no-cost consultation: https://cardinalwg.com/schedule-now Check out our downloadable guides: https://cardinalwg.com/resources/downloadable-materials Check us out on YouTube: https://www.youtube.com/channel/UCBoBzixGqqmOj4C4WWuuxfQ Facebook: https://www.facebook.com/CardinalWealthGroup/ LinkedIn: https://www.linkedin.com/in/anthony-aulffo-cfp%C2%AE-75b2919b/

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  Episode #83

  Why Confidence in Retirement Has Nothing to Do With Your Balance

  Jul 23, 202614 min

  Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now Worried you’ll never feel truly confident about retirement, no matter how much you’ve saved? Anthony explains why financial anxiety often has less to do with your account balance and more to do with uncertainty. He breaks down the four pillars of retirement confidence and shares that true retirement confidence comes from clarity and planning, not the size of your account balance. Here’s some of what we discuss in this episode: Financial Anxiety: Confidence is not just a balance Research Findings: Many retirees still feel uncertain ️ Confidence Pillars: Four areas worth reviewing Know Numbers: Turn uncertainty into clarity What Are You Retiring To: Define life after work Clear Direction: Planning helps reduce guesswork Resources: Our website: https://cardinalwg.com/ Phone: (609) 362-5512 Contact our team: https://cardinalwg.com/contact-us Schedule your no-cost consultation: https://cardinalwg.com/schedule-now Check out our downloadable guides: https://cardinalwg.com/resources/downloadable-materials Check us out on YouTube: https://www.youtube.com/channel/UCBoBzixGqqmOj4C4WWuuxfQ Facebook: https://www.facebook.com/CardinalWealthGroup/ LinkedIn: https://www.linkedin.com/in/anthony-aulffo-cfp%C2%AE-75b2919b/

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  Episode #82

  Maxed Out Your 401(k)? Do This Next

  Jul 16, 202616 min

  🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now What happens when you’ve maxed out your 401(k), but still want to save more for retirement? In this episode, we talk about smart next steps for high earners and serious savers. From HSAs and backdoor Roth contributions to mega backdoor Roth strategies, taxable brokerage accounts, and more specialized tools, Anthony walks through the options that may help you make the most of extra income in the years leading up to retirement. Here’s some of what we discuss in this episode: 💰 Extra Savings: What to do after maxing your 401(k). 🏥 HSA Power: A triple-tax-advantaged retirement tool. 🚪 Backdoor Roth: A workaround for higher earners. 🏢 Mega Roth: Check your 401(k) plan options. 📈 Taxable Accounts: Flexible savings with fewer restrictions. 🧩 Advanced Tools: When annuities or life insurance may fit. Resources: Our website: https://cardinalwg.com/ Phone: (609) 362-5512 Contact our team: https://cardinalwg.com/contact-us Schedule your no-cost consultation: https://cardinalwg.com/schedule-now Check out our downloadable guides: https://cardinalwg.com/resources/downloadable-materials Check us out on YouTube: https://www.youtube.com/channel/UCBoBzixGqqmOj4C4WWuuxfQ Facebook: https://www.facebook.com/CardinalWealthGroup/ LinkedIn: https://www.linkedin.com/in/anthony-aulffo-cfp%C2%AE-75b2919b/

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  Episode #81

  Listener Q&A: Am I Being Too Conservative With My Investments?

  Jul 9, 202610 min

  🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now Are you being smart with your money, or too conservative for your own good? In this episode, Anthony explains how investors can evaluate whether they should take on more risk, especially as they approach retirement. He breaks down why “conservative” can mean different things to different people, how recent market events can skew your perspective, and why risk capacity, risk tolerance, and risk need all matter when building a retirement strategy. Here’s some of what we discuss in this episode: 📉 Risk Reality: Conservative means different things. 🧠 Investor Bias: Recent markets shape emotions. ⚖️ Risk Balance: Capacity, tolerance, and need. 📊 Plan Math: Goals should guide strategy. 💬 Spousal Differences: Risk views may not match. 🛡️ Portfolio Safety: Conservative can still include growth. Resources: Our website: https://cardinalwg.com/ Phone: (609) 362-5512 Contact our team: https://cardinalwg.com/contact-us Schedule your no-cost consultation: https://cardinalwg.com/schedule-now Check out our downloadable guides: https://cardinalwg.com/resources/downloadable-materials Check us out on YouTube: https://www.youtube.com/channel/UCBoBzixGqqmOj4C4WWuuxfQ Facebook: https://www.facebook.com/CardinalWealthGroup/ LinkedIn: https://www.linkedin.com/in/anthony-aulffo-cfp%C2%AE-75b2919b/

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  Episode #80

  Should You Sacrifice Pension Income for Spousal Protection?

  Jun 25, 202612 min

  🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now When retirement is around the corner, one of the biggest decisions isn't when to retire, it's how to structure your pension. Should you take the highest monthly payout available, or accept a smaller check in exchange for protecting your spouse if you pass away first? In this episode, Anthony breaks down the key differences and discusses how financial planning can help identify the best choice for your family's situation. If a pension election is in your future, this is a decision you'll want to get right. Here’s some of what we discuss in this episode: 💰 Pension Choices: Understanding your options ❤️ Spousal Protection: Protecting a surviving spouse 🗺️ Pension Mapping: Comparing alternative strategies 👤 Single Retirees: Special planning considerations 📊 Gap Analysis: Measuring income shortfalls ⚠️ Risk Management: Reducing uncertainty in retirement Resources: Our website: https://cardinalwg.com/ Phone: (609) 362-5512 Contact our team: https://cardinalwg.com/contact-us Schedule your no-cost consultation: https://cardinalwg.com/schedule-now Check out our downloadable guides: https://cardinalwg.com/resources/downloadable-materials Check us out on YouTube: https://www.youtube.com/channel/UCBoBzixGqqmOj4C4WWuuxfQ Facebook: https://www.facebook.com/CardinalWealthGroup/ LinkedIn: https://www.linkedin.com/in/anthony-aulffo-cfp%C2%AE-75b2919b/

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