Explore every episode of the podcast "Unretired" & Inspired - A Retirement Planning Podcast
Dive into the complete episode list for "Unretired" & Inspired - A Retirement Planning Podcast. Each episode is cataloged with detailed descriptions, making it easy to find and explore specific topics. Keep track of all episodes from your favorite podcast and never miss a moment of insightful content.
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Title
Pub. Date
Duration
108: “Deciding how to best give financially to my adult kids" - Assessing Michelle’s options
15 Apr 2024
01:08:37
Formerly “Awe-Inspired and Retired”. Welcome to 8000 days.
Caleb and Riley are joined by Michelle Oram who has plans to retire in the next 3 months. Having been employed with the same employer for 23 years, this is going to be a big change.
Learn more about:
Practical advice on tax-efficient strategies for transferring wealth to the next generation, balancing legacy with personal fulfillment.
The value of continuing personal growth and exploration in preparing for retirement, from pursuing passions to discovering new interests.
The importance of staying engaged and relevant in your career, and how this mindset impacts your transition into retirement.
107: “I can't flip the switch from saving to spending” - Michelle's retirement spending dilemma
01 Apr 2024
01:01:50
Formerly “Awe-Inspired and Retired”. Welcome to 8000 days.
Caleb and Riley are joined by recent retiree Michelle Lennox.
Michelle recently retired, but it may not appear that way. She is still working and earning an income, she volunteers on boards, works with start-up founders and runs marathons. It’s possible she is more busy now than while working FT.
Speaking with Michelle now, you would think she mastered retirement on her first try, leaving behind her full-time corporate position, without any hiccups or challenges along the way. Unfortunately that wasn’t the case.
Today we get to hear directly from Michelle on how she is navigating her own retirement; from the highs and lows, the challenges, the surprises, to the lessons learned along the way.
Learn more about:
How retirement offers a unique chance to rediscover old passions and explore new hobbies, enriching your life beyond work.
Advice from a recent retiree on making the most out of retirement, including how to plan for the future with optimism and purpose.
How to unwind decades of accumulation thinking to instead have a decumulation mindset so you can spend freely without compromising financial security.
98: Nan Ives & Lisa Stornaielo: The Art of reTRYment and Finding Purpose Again.
29 Jan 2024
00:58:01
Caleb and Riley are joined by Nan Ives and Lisa Stornaielo, of “The Future of You”, an organization with a mission to help individuals discover their ultimate life in retirement.
Today we are going to make the case as to why you probably need to adopt a framework to help you figure out what your life in retirement will look like. Lisa and Nan are former financial services professionals who, upon taking early retirement, recognized the need for a holistic approach to retirement planning. While many services focus solely on finances, they saw retirement as an opportunity to rebalance not just portfolios, but also lives.
Using design thinking, a methodology centered on understanding real users' needs, they immersed themselves in the pre-retiree experience, gathering insights from over 50 individuals. Combining this with their background in leadership development and career coaching, they've crafted a roadmap aimed at helping retirees find a fulfilling balance of work, leisure, and purpose.
Learn more about:
How design thinking can revolutionize your perspective on retirement, ensuring it's more than just financial stability.
How retirees can recapture a powerful sense of purpose and direction in their post-professional lives.
The benefits and potential pitfalls of 'reTRYment' and the importance of diversifying your passions and interests.
Caleb and Riley are on a quest for The Holy Grail of retirement - that is, the ability to maximize spending in a way that is sustainable without any uncomfortable changes, no matter how long you live.
Learn more about:
Accumulation vs Deaccumulation
How does inflation and future tax rates factor in to your retirement planning
Sequence of Return Risk and what volatile market performances can do to your long term investment performance
Longevity Risk and trying to account for how long your retirement years may be
Memorable Quotes
“Retirement income planning is one of the nastiest, hardest problems we face in financial planning“
“The holy grail of retirement is you spend the maximum amount early in retirement, without the fear of running out of money, without having to make any unexpected changes to how much you spend”
“The biggest financial problem retirement is this: how much money should we be withdrawing, on a monthly basis, from our portfolio once we stop working? How quick or how slow and by how much should we be drawing down our money and spending it?"
Caleb and Riley are talking about what to do in the middle of a global crisis. It may be your instinct to try to adjust your investment strategies as a crisis emerges, but is it the best course of action?
Learn more about:
What to do with your investment strategy in times of uncertainty
How people react to these market dips and how panic often drives it
History of average market declines after major financial crises and where they were one year later
When is the right time to invest extra money?
Memorable Quotes
“We should be expecting the market to go up and go down and for various storms to happen. If the market is crashing for some reason it doesn’t make sense to make an investment decision on this, because the media is giving a certain thing certain attention at a certain point in time."
“If I’m timing the market I’m basically saying that I can predict the best 10 days over the 4,000 days. That’s what the statement for someone to make!”
“If someone asks, I have some extra money is now a good time to invest? The answer is always yes, as long as there is an appropriate goal for the money"
6: Your investments performance is less important than what you think
25 Apr 2022
00:25:18
Caleb and Riley are looking at successful retirement and your portfolio performance. While we know portfolio success is measured by rate of return, not many people understand the actual concept of rate of return.
Learn more about:
Understanding the difference between Accumulators (wealth builders) and Decumulators (retirees)
Why performance is not a good measure of success and how people incorrectly compare performance
Shifting focus from performance based investing to goal based investing
Memorable Quotes
“They hit this retirement point, and all of a sudden it’s not about growing your wealth anymore, as it is about using your wealth. That was the point of growing your wealth, so that you could live off of it. That’s the whole concept of retirement“
“I don’t know if someone can have a robust retirement and their goal being a certain percentage rate of return, or a certain portfolio size. To help you do what? Why? The money is there to fund a purpose not find a purpose”
There are really two problems that retirees have when it comes to performance: One, they use performance as a measure of success. Problem two, they evaluate that performance incorrectly“
Hosted by Caleb Miller and Riley Anderson of InvestorDNA
Caleb and Riley are discussing what the game of chess can teach us about preparing for retirement. Chess can offer some wonderful insights into preparing our savings in a way that allows us to squeeze the most out of retirement income. Understanding the rules of the game and focusing on what you can control are two key parts of a winning retirement strategy.
Learn more about:
- Putting the right pieces of retirement in the right spots - Understanding the rules and abilities of each piece of your retirement - Developing a plan to use your retirement pieces together - The importance of preparing your assets 3-5 years before retirement at a minimum
4: Investing Biases Facing Retirees and How to Eliminate Them
11 Apr 2022
00:16:48
Caleb and Riley are looking at a wide range of resources examining behavioral finance and how it can impact your retirement. We all have cognitive biases that can manifest in our investing, and it is important to remove those emotions. The sensible approach to investing for retirement should look to eliminate behavioral bias and make decisions with a data driven algorithmic strategy.
Learn more about:
- Tactical Allocation Vs Static Indexing - The role human behavior plays in investing - Shifting from a short-term investment strategy to a long-term investment strategy
Memorable Quotes
“Often in short-term decisions is where emotional bias exist. That is where they live. They live in the right now choices“
3: The Best Decade to Work with a Financial Advisor
04 Apr 2022
00:16:39
How early is too early to start planning retirement? Should someone in their thirties look to work with a Retirement Advisor? Caleb and Riley of InvestorDNA are asking which decades in your life make the most sense to work with a Retirement Advisor and what the process may look like from decade to decade. Learn more about how to make your retirement planning more efficient and save you on taxes.
Learn more about:
- Income planning and withdrawal planning - Shifting your mindset from accumulation to decumulation - The top questions you should be asking a Retirement Advisor you are considering working with - Using the right tool for the job
Memorable Quotes
“You can’t control the weather, but you can control your planning”
Hosted by Caleb Miller and Riley Anderson of InvestorDNA
Where did the idea of retirement come from and what is the best reason to retire? In this episode of Awe-Inspired and Retired, Caleb and Riley are sharing more about the history of retirement, and the disadvantages of a forced retirement versus planning retirement with purpose.
Learn more about:
- The origin and purpose of retirement in Ancient Rome - Otto Van Bismarck - How increased life expectancy has impacted retirement and retirement planning - The 5 most meaningful reasons to retire
Memorable Quotes
“Don't buy your home gym before you have decided if you want to work out, and don't try to find your meaning of life before you have even realized what you enjoy. Take baby steps”
1: Many people retire the wrong way, but there is a right way
04 Apr 2022
00:23:21
Welcome to Awe-Inspired and Retired! In this first episode, Caleb and Riley are sharing more about the purpose of the podcast and the importance of knowing how to retire. Why don’t more people know how to approach retirement? Shifting your mindset from accumulation to deaccumulation and having the right personal retirement plan are pivotal to executing retirement effectively.
Learn more about:
- A story of someone in the Rubbish Retirement Zone - The importance of having a fulfilling purpose to replace your work with - The danger of underspending in retirement - What 69% of people aren’t doing with their retirement plan
Memorable Quotes
“Money can’t help you find a purpose, but it can help you fund a purpose”
“A deep fulfillment in life and a vision for your wealth that exists outside of the workplace. That is a robust retirement”
Welcome to Awe-Inspired and Retired - A Retirement Planning Podcast
21 Mar 2022
00:01:09
Welcome to Awe-Inspired and Retired! Caleb Miller and Riley Anderson of InvestorDNA are helping you understand how to plan for retirement, how to work with a Financial Advisor, finding purpose after retiring, and other retirement tips along the way.
Be sure to rate and subscribe to Awe-Inspired and Retired on Apple Podcasts, Spotify, or wherever you listen for new episodes every week.
Hosted by Caleb Miller and Riley Anderson of InvestorDNA
97: Dena Silverberg: The Power of Social Prescribing in Retirement Wellness
22 Jan 2024
00:40:34
Caleb and Riley are joined by Dena Silverberg for a deep dive into world of social prescribing and senior wellness.
In this episode Dena is going to help us really define this idea for us today, and even the role it can play in finding fulfillment, connection and ultimately living life more richly. Our ultimate goal for you in today’s episode, is to help you to uncover a new pathway for your retirement, one that gives you a more connected and engaged life as an older adult.
Prior to joining OACAO, Dena was the Vice President of Health and Wellness at Better Living Health and Community Services and worked there for 22 years overseeing various departments including Senior Active Living Centers, Adult Day Programs, Exercise and Falls Programming, Social Work Services, Volunteer Services and Hospice and Palliative Care Services.
Learn more about:
The profound effects of social engagement on seniors, and the real-world difference between having it and lacking it.
The optimal age and ways to benefit from Senior Active Living Centers for a richer, socially connected retirement.
Insights into where social prescribing is headed, its impact, and the challenges it faces.
96: Corey Mackenzie, PH.D: Debunking Myths of Mental Health in Aging
15 Jan 2024
00:52:40
Caleb and Riley are joined by Corey Mackenzie from the Centre on Aging at the University of Manitoba.
Corey is a Professor and Director of Clinical Training in the Department of Psychology, Adjunct Professor in Psychiatry, and a Research Affiliate with the Centre on Aging at the University of Manitoba. He received his Ph.D. in Clinical Psychology from Queen’s University and completed his predoctoral internship at Baycrest in Toronto. He is a registered Clinical Psychologist with the Psychological Association of Manitoba. Together with his collaborators and students, Corey has published 78 articles in peer-reviewed journals and 11 book chapters. He is a member of the Editorial Board for the journal Aging & Mental Health and has received numerous awards for his research and teaching.
Learn more about:
The myths and misconceptions surrounding mental health and aging with expert insights from Professor Corey Mackenzie.
Actionable strategies for supporting yourself or your aging parents facing mental health challenges.
The most pressing concerns in the realm of mental health research and potential breakthroughs being sought after by researchers.
95: Christene Gordon: Demystifying Dementia - Stories, Strategies, and Societal Support
08 Jan 2024
00:57:26
Caleb and Riley are joined by Christine Gordon, Executive Director at the Alzheimer's Society. Christene has been with the Alzheimer's Society in various roles for over 30 years delivering consistent, person-centered programs and partnerships.
Unfortunately, experiencing a form of Dementia is common, and can often emerge as we progress in our retirements. The annual cost of dementia to the Canadian economy and healthcare system is over 10 Billion dollars, and it’s affecting over half a million people in Canada alone. So we all need to have compassion.
And to borrow a quote I came across “Those with dementia are still people and they still have stories and they still have character and they are all individuals and they are all unique. And they just need to be interacted with on a human level”. The goal of todays episode is to help teach us all about what dementia truly is, and the ways in which we can create and access support for it as a community.
Learn more about:
The mysteries of dementia and Alzheimer's, exploring its stages, risk factors, and the human experiences behind it.
Common misconceptions and uncover the unseen realities faced by those living with dementia.
How to best support and empower people with dementia within your community and daily life.
The most effective tools, apps, and partners available for care and support.
Christene's personal insights on retirement and dementia, offering a unique perspective on how to prepare for a meaningful future..
94: Cynthia Covey Haller: Living Life in Crescendo - The 'R' Word Redefined
01 Jan 2024
01:05:49
Caleb and Riley are joined by Cynthia Covey Haller, co-author of Live Life in Crescendo. Cynthia is an author, teacher, speaker, and active community member. She has contributed to the writing of several books, two with her brother Sean, and most recently she co-authored her late father, Stephen Covey’s ‘last big idea’ and final book titled: “Live Life in Crescendo”.
Learn more about:
Why Cynthia Covey Haller believes your most important work is always ahead of you, and how this mindset can revolutionize your approach to life and retirement.
The transformative power of service in retirement, with inspiring stories of individuals who found renewed purpose through helping others in their later years.
The profound importance of valuing relationships over material things, including practical tips on how to continually prioritize people over possessions for a richer, more fulfilling life.
93: Fritz Gilbert: The Retirement Manifesto - Navigating Blind Spots and Commandments in Retirement
25 Dec 2023
01:01:05
Caleb and Riley are joined by Fritz Gilbert, the producer of the award winning blog, The Retirement Manifesto. His mission is to Help People Achieve a Great Retirement. On the blog he provides practical financial independent and retirement planning guidance for people within ten years of retirement....
Fritz has thought about retirement, a lot! He has been thinking and writing about retirement while he was preparing for, transitioning into and now living in retirement! His 400+ articles are full of wisdom and in this episode we dig deeper into some of his biggest learnings.
Learn more about:
The 90/10 Rule: Discover the surprising mindset shift that Fritz experienced post-retirement.
Fritz's Ultimate Pre-Retirement Checklist and how to navigate your pre-retirement years.
Avoiding retirement pitfalls and uncover common "retirement blind spots" and how to sidestep them.
Fritz's "10 Commandments of Retirement" for a fulfilling and purposeful retirement life.
92: Dr. Riley E. Moynes: From Vacation to Reinvention - Mastering the Four Phases of Retirement
18 Dec 2023
00:58:23
Caleb and Riley are joined by Dr. Moynes is a successful author and public speaker with several best-sellers to his credit. Whereas most retirement-focused books emphasize the investment, insurance and estate planning aspects, Riley emphasizes the psychological changes and challenges that almost every person experiences when they retire.
His2022 TEDx Talkbased on this best-selling book is fantastic and was viewed by over 3.5 million people in just 11 months.
Learn more about:
The Psychological Side of Retirement: Delve into the emotional and psychological challenges faced during retirement, beyond just the financial.
The Four Phases of Retirement: Understand the unique stages of retirement and how they can transform your post-work life.
How a TEDx Talk is created: A peek into the preparation and dedication behind a viral TEDx presentation on retirement.
91: Jamie Hopkins: The Power of Guardrails - New Solutions for an Age-Old Concern
11 Dec 2023
00:50:37
Caleb and Riley are joined by Jamie Hopkins, co-author of Find Your Freedom: Financial Planning for a Life on Purpose. Jamie also wrote the book Re-wirement: Rewiring the Way You Think About Retirement! Jamie specializes in modern retirement income planning, estate planning and tax efficiency; helping clients get the most out of their retirement income.
Jamie is a nationally recognized writer, podcaster, researcher and educator; and a regular contributor for Forbes, InvestmentNews and MarketWatch. He has been published in dozens of financial, educational and legal journals, and he’s a go-to expert on retirement income planning and tax law.
Learn more about:
Why retirement planning is hard and the complexities and misconceptions of retirement planning.
‘Guardrails' and their revolutionary role in ensuring a secure retirement, especially when it feels like you are trying to hit a moving target in high winds.
Practical advice and unconventional strategies for those nearing retirement.
90: Susan Williams: The 60 Before 60 Challenge and Embracing the Encore of Life
04 Dec 2023
00:58:13
Caleb and Riley are joined by Susan Williams, the Founder of Booming Encore – a website and social media network dedicated to providing information and inspiration to help Baby Boomers create and live their very best encore. Being a Boomer herself, Susan loves to discover ways to live life to the fullest. On this episode she shares her experiences, observations and opinions on living life after 50, her 60 before 60 project and how she tries to embrace Booming Encore’s philosophy of making sure every day matters.
Learn more about:
The reasons behind Susan's retirement transition and learn about the inspiration for the creation of Booming Encore.
Valuable strategies and concepts from Susan's book and worksheet, "Longevity by Design," to help you design a positive and fulfilling later life.
Misconceptions and myths about aging and retirement as well as stories and examples of individuals who are having robust retirements.
89: Judy Oppenheim: The science of happiness and new perspectives on retirement
27 Nov 2023
01:00:20
Caleb and Riley are joined by Judith Oppenheim. The topic is happiness. Judy has a BA in psychology, an MBA in marketing and over 20 years of experience in consumer insights, research, marketing, strategy, and product development. She has worked with major financial services companies and leading advertising and digital agencies. In 2019, Judy obtained her certification as a Happiness Trainer from Tal Ben Shahar’s Happiness Studies Academy. She is actively involved in the education committee and is a founding member of the HSA business club.
Learn more about:
Insights into the science of happiness and how it can transform your retirement.
Practical strategies for crafting a fulfilling and joyful retirement.
The surprising truth about the relationship between money and happiness.
88: Tom Lashnits: The “3 key likes” that will help you embrace change and thrive in retirement
20 Nov 2023
01:02:14
Caleb and Riley are joined by Tom Lashnits, producer of the award winning blog “Sightings Over Sixty” which covers health, finance, retirement — and all the concerns of people who realize that somehow they have grown up. In this episode Tom shares his story of being unceremoniously laid off in his mid 50’s and his transition into a thriving retirement. For Tom, a thriving retirement is one where you have found the answer to ‘the three likes’.
Learn more about:
How to navigate major life changes during retirement with resilience and grace.
Practical advice on, finding new passions, lifelong learning, and maintaining balance in retirement
Insights on how to maintain and strengthen relationships with loved ones post-retirement.
87: Karen Wagner and Erica Baird: Reinventing retirement with Lustre - A new perspective for professional women
13 Nov 2023
01:03:01
Caleb and Riley are joined by Karen Wagner and Erica Baird, the co-founders of Lustre, a community of women who are redesigning what retirement looks like.
Erica's journey is nothing short of remarkable. Erica attended NYU Law School and became the first female partner in the General Counsel’s office of one of the Big 8 accounting firms. Karen, on the other hand, nurtured a deep-seated ambition to live in the heart of New York City from her globe-trotting childhood years. This desire led her to also attend NYU Law School, and led to an illustrious career as a corporate litigator.
Both Erica and Karen see retirement not as the end, but as an opportunity to pivot, to leverage their experiences and skills into a new venture.
Learn more about:
How Karen and Erica are reshaping retirement for professional women and challenging traditional perceptions.
The concept of "the pivot" and how Karen and Erica's retirement experiences differ from men, and the new activities they have found to replace place their careers.
Insights on reinventing retirement and learn what to do (and not do) during this transformative stage of life.
86: Caryl and Jay Casbon: How aging couples are thriving and finding meaning in retirement
06 Nov 2023
01:18:14
Caleb and Riley are joined by Carol and Jay Casbon. They have a really interesting story about travelling across the country in their RV, interviewing hundreds of couples about their committed aging relationships. They are the co-authors of Side by Side: The Sacred Art of Couples Aging with Wisdom & Love, released June 27, 2023. Their book, offers a rare window into the intimate challenges and joys of couples fiercely committed to thriving and evolving in long-term partnerships, especially while aging.
Learn more about:
Discover the intimate challenges and joys of long-term partnerships as couples age and evolve together.
Receive valuable retirement advice, including navigating health issues, evolving relationships with adult children, finding meaning post-career,
Learn practical tips for nurturing love and mutual understanding in retirement.
85: Sue Phillips: An end-of-life doula redefining end-of-life care with planning and purpose
30 Oct 2023
00:46:30
Caleb and Riley are joined by Sue Phillips, Vice President of the End of Life Doula Association of Canada. Sue Phillips has been supporting people who are dealing with a critical illness or approaching death since 2019. Her primary supports include pre-planning, advocacy, legacy project facilitation, compassionate companioning, caregiver respite, post-death assistance and grief and bereavement peer support and resources. Sue’s training includes the Douglas College End of Life Doula Training as well as the Visiting Volunteer Training at Dr. Bob Kemp Hospice in Hamilton.
NOTE: Since the recording Sue has completed her term as the VP End of Life Doula Association of Canada.
Learn more about:
Discover the vital role of end-of-life doulas and how they provide compassionate support during critical illness and the dying process
Gain insight into the services offered by end-of-life doulas and understand how they can enhance the quality of life for both individuals and families.
Learn about Sue’s career transition to an end-of-life doula, The End of Life Doula Association of Canada
84: Beyond Investing: Three Things You Can Do Now to Prepare your perfect retirement lifestyle
23 Oct 2023
00:32:10
Caleb and Riley are talking about 3 things that you can do to craft your perfect retirement lifestyle. This episode goes beyond investing here. We are not talking about what we invest in, the tax planning or any trading or tax strategies. Instead we lay out three things you can do yourself, in three areas of your life to have the biggest impact in preparing for retirement. Turn on the TV if you want to be entertained by what’s happening in the markets (largely uncontrollable), but listen to this episode if you want some real actionable steps that you can take that can make a difference in how you arrive at your retirement destination.
Learn more about:
The often-overlooked aspect of retirement uncovered by the 85 year old Harvard study on Happiness
How to create a robust retirement budget and the benefits of testing that budget now
Being more confident to retire by simulating your retirement income before leaving the workforce to gain clarity about your financial situation.
Caleb and Riley discuss retirement packages and the various legal contracts we sometimes call buyout contacts. For example, Telus recently announced some downsizing they were doing this year, offering buyout package to 2,000 employees. If there is a desire for your employer to send you off into retirement, then we want to make sure you maximize your compensation and benefits, and really understand the lay of the land and what you should consider. So let’s talk buyout packages
Learn more about:
The financial benefits and implications that are commonly found in buyout packages
Insights on why they may want to “yes” or why they may want to “no” to accepting an employers offer
Buyout packages as a part of the retirement journey. Sometimes our employers tell us to leave before we tell them we are leaving and this can be beneficial or a challenge.
Hosted by Caleb Miller and Riley Anderson of InvestorDNA
82: Rick Irvine: Journey to Conquer Everest and Embrace Retirement
09 Oct 2023
00:50:56
Caleb and Riley are joined by Rick Irvine, a retired engineer that summited Mount Everest at age 59. At 59-years-old, Rick Irvine from Minto New Brunswick was the first New Brunswicker to scale Mount Everest. On May 24, Rick reached the 8,848-metre summit of the world’s tallest mountain. What I found particularly amazing about Rick though is that he wasn’t always a die-hard mountaineer. Reaching the top of Mount Everest wasn't a lifelong goal for him. In fact he only started climbing about 10 years prior.
Learn more about:
Drawing inspiration to try and do something new as Rick Irvine shares his path from small town Nova Scotia to the summit of Mount Everest.
The triumphs and challenges of two daring attempts at conquering Mount Everest, gaining valuable insights into the physical and mental preparation required
Rick's personal transition from a fulfilling career to navigating and fully embracing his own robust retirement.
81: This order of operations will optimize your savings strategy for success
02 Oct 2023
00:37:21
Caleb and Riley discuss the optimal order of operations for saving. If you ever asked yourself, where should I save my money and what type of savings plan do I prioritize over others, then this episode is for you. And bonus points if you are a math junky, and you want your savings strategy to follow some algebraic like principles, because Riley is going to present us a framework that you can follow to ensure you are maximizing the potential of your savings.
Learn more about:
The 'Financial Order of Operations' strategy, a powerful framework for prioritizing your cashflow for optimal growth.“
A case study illustrating the stark difference between an optimized and a sub-optimal savings strategy.
The three crucial levels of investment prioritization, determining where you currently stand and how to ascend to the next level.
Hosted by Caleb Miller and Riley Anderson of InvestorDNA
80: Myron Littman: The essential insurance ingredients for a secure retirement
25 Sep 2023
00:57:06
Caleb and Riley joined by Myron Littman, owner of Foresight Financial. If you have ever asked yourself questions like, “Do I still need this insurance policy?” Or “What coverages do I actually need as I get older?" Then this episode is for you. Surprisingly, insurance can be used as a creative planning tool to help you to increase your savings and wealth and take you to the next level. Other times, insurance is your saving grace and provides financial support for a potential serious illness, disability or a death. So if you would like to make informed insurance decisions, find the wealth building opportunities that exist in insurance strategies, and lessen the blow that your family may take when you face a serious risk event, then we suggest you stick around for this episode.
Learn more about:
The surprising benefits of life insurance for older adults in retirement and explore the role of insurance in estate planning, family business transitions, and more.
Explore the significance of critical illness Insurance, stories of real-life impact, cost considerations, and the concept of "return of premium".
Insights from Myron Littman, a Certified Financial Planner with over two decades of experience, as he shares his personal journey and the impactful stories that shaped his career.
Hosted by Caleb Miller and Riley Anderson of InvestorDNA
79: Dr. Ken Dychtwald: On Meeting Jimmy Carter and Redefining Legacy and the Treasure of Old Age
18 Sep 2023
00:57:17
Caleb and Riley are joined byDr. Ken Dychtwald, a renowned psychologist, gerontologist, and CEO of Age Wave. He's authored 19 books and is a celebrated public speaker, having shared stages with figures like Barack Obama and Nelson Mandela. Featured on platforms like 60 Minutes, The Oprah Winfrey Show, and The New York Times, he's a Fellow of the World Economic Forum and has keynoted White House Conferences on Aging. Recognized by Investment Advisor as a leading thought influencer in financial services, he's been honored multiple times by the American Society on Aging, recently receiving their President’s Award in 2023 for reshaping global perceptions of aging.
Learn more about:
Firsthand accounts of encounters with global figures like Arnold Schwarzenegger and President Carter, revealing the unseen facets of finding purpose as an older adult.
The profound shifts in how we perceive aging, from the insights of a world-renowned gerontologist.
The modern-day nuances of leaving a lasting impact versus mere material inheritance.
The story behind Dr. Dychtwald's annual marriage vow renewals and its transformative power.
105: Dr. Christina Pierpaoli Parker: From night owls to early birds - Mastering sleep in retirement
18 Mar 2024
00:56:27
Caleb and Riley are joined by Dr. Christina Pierpaoli Parker, PhD, a Board-certified Clinical Psychologist and Director of the Integrated Behavioral Medicine Service at the University of Alabama Birmingham (UAB) specializing in adult and geriatric behavioral medicine.
Christina’s thoughts have been featured in The New York Times, Washington Post CNN, and CNBC.
She writes a blog called Eng(aging) for Psychology Today, which translates clinical science about aging and health into practical takeaways for optimizing physical and psychological wellness. In this episode we dive deep in the science of sleep and how optimize your sleep in retirement.
Learn more about:
How to optimize your health and wellness with specific strategies for sleep, movement and relationships.
How a renowned clinical psychologist specializing in adult and geriatric behavioral medicine defines a successful retirement and tips on aging gracefully
The physiological factors that predict a successful retirement
78: Resilience in Retirement: A Deep Dive into Emergency Funds
11 Sep 2023
00:42:49
Caleb and Riley discuss emergency funds and how to be ready for unexpected expenses. Perhaps you’ve always heard that you need an emergency fund, but have never actually taken the time to build one or even be intentional about how much to have in one. Given the stats you are about to hear, I would bet there is a high chance the size of your emergency fund (if you have one at all) has had little thought put into it. Emergency funds make us more resilient and independent. How much do you need to have to feel resilient? It's not one-size-fits-all. Your emergency fund needs to be tailored to your circumstances.
Learn more about:
How your emergency fund preparedness compares to others based on most recent Canadian Statistics
The 5 Factors to consider when determining the size of your emergency fund
Why the size of your emergency fund is going to be unique and where you should save it
77: Joan MacDonald: A 77-year old fitness influencer shaping a new retirement narrative
04 Sep 2023
00:47:29
Caleb and Riley are joined by Joan MacDonald, “a 76 yr old fitness fanatic defying expectations on every level” - that is what shape.com wrote about Joan in 2022. Joan (aka @trainwithjoan on Instagram) is proving that it's never too late to make big life changes. At 70 years old, she was on multiple medications for high blood pressure, high cholesterol, and acid reflux. She was getting winded walking up the stairs. Today, Joan has lost over 60 pounds, her doctors have given her a clean bill of health and she inspiring millions of followers on social media across the world.
Learn more about:
The inspiring journey of a 77-year-old fitness influencer who transformed her life, going from from medication dependence to fitness phenomenon
Why it's never too late, even at age 70, to adopt a healthier lifestyle, no matter your age or physical condition.
How fitness can act as a catalyst, not only for physical health, but for emotional wellbeing and self-confidence.
76: Laura Tamblyn Watts: Beyond age 65 - policy, practice, and possibilities
28 Aug 2023
01:12:04
Caleb and Riley are joined by Laura Tamblyn Watts, CEO of CanAge, Canada’s national seniors’ advocacy organization and a global expert on aging. Laura is one of the leading voices in Canada on issues related to aging. She is a lawyer, a frequent media commentator, an author, an academic researcher and well-known community activist.
Learn more about:
The societal and economic implications of our rapidly aging world, and how these shifts will impact your retirement.
Practical strategies for a robust retirement, from financial planning, the effects of social isolation to combating ageism.
The origin of "retirement age 65", and gain insights on how to adjust your retirement plans for your age, stage, and lifestyle.
75: MP Greg McLean: Parliament Decisions Affect Your Retirement
21 Aug 2023
01:09:12
Caleb and Riley are joined by MP Greg McLean, the Conservative Member of Parliament for Calgary Centre and a Member of the Standing Committee on Environment and Sustainable Development. Before being elected as MP for Calgary Centre in 2019, Greg worked as a financial professional for 20 years. His work put him in close contact with Alberta’s vital oil and gas sector and with technology start-ups, giving him a first-hand understanding of what it takes for hard-working Calgarians to invest, take risk, build, and succeed.
Learn more about:
How the parliamentary process works, the different types of bills and how retirees can have their interests represented in parliament
The role of Canada's budgetary deficit and inflation in your retirement plans from the perspective of a seasoned politician.
The unique experiences of MP Greg McLean and understand his personal perspectives on balancing constituent needs, party demands, and his own desires in the complex world of politics.
74: Michelle Bullas: Decoding tax law (Bill C-208) for business owners
14 Aug 2023
00:58:08
Caleb and Riley are joined by Calgary Lawyer, Michelle Bullas to discuss unique tax savvy strategies for business owners. Michelle specializes in tax planning and has more than 20 years of experience helping her clients pay less tax. In this episode we discuss Bill C-208 and how business owners may want to take advantage of the introduced changes in 2023, 2024 and beyond. If you or your spouse owns a business and you are considering selling that business to a family member, this episode is for you.
Learn more about:
Why you should begin planning a business transition sooner than later and how to take advantage of new tax legislation.
Bill C-208 and how how it will impact the options you have when selling your business.
The common mistakes and pitfalls older adults make when adding family members to assets such as bank accounts or to the title of their home.
73: Patricia Faust: Enjoy Aging with a Younger, Sharper Brain
07 Aug 2023
01:00:53
Caleb and Riley are joined by Patricia Faust, a gerontologist specializing in the issues of brain aging, brain health, brain function, and dementia. Patricia has a Masters in Gerontological Studies from Miami University in Oxford Ohio. She is certified as a brain health coach and received a certification in Neuroscience and Wellness through Dr. Sarah McKay and the Neuroscience Academy.
Learn more about:
Strategies for maintaining cognitive health in retirement and Patricia's favourite ways to exercise her own brain to maintain her cognitive reserve
The science behind what happens to our brains as we age, starting as early as age 30 and which lifestyle choices have a significantly influence.
Understand why the first year of retirement can be so challenging for the brain and hear examples of 'superagers' who maintain exceptional brain health in their later years
72: Jane Heller: Bestselling author turned caregiver, on love, resilience, and caregiving
31 Jul 2023
01:02:44
Caleb and Riley are joined by Jane Heller, a best selling author who has written many books, romantic novels, and comedies. In this episode we discuss her most recent book of nonfiction, You’d Better Not Die Or I’ll Kill You: A Caregiver’s Survival Guide To Keeping You in Good Health and Good Spirits, which features her trademark humor as she tackles the subject of caring for loved ones with a chronic or progressive illness.
Learn more about:
How to turn cranky nurses into buddies and other strategies for dealing with the challenges of caregiving and communicating effectively with medical professionals.
Insights on managing stress providing care for their loved ones and how to make the difficult decision of placing a loved one in a nursing home.
Insights into how to have a fulfilling second half of life by staying active, engaged, and connected to others, even in the face of caregiving responsibilities.
71: Ted Klontz Ph.D: Untangling our relationship with money and creating new money scripts
24 Jul 2023
00:54:15
Caleb and Riley are joined by Ted Klontz Professor of Financial Psychology and Behavioral Finance at Creighton University. Ted helps people find and understand their individual “money scripts”. Whether you know it or not, you have a unique perspective on the role of money and what it means to you. In this episode Ted walks us through just a few of the key questions that are likely to improve our relationship with wealth. Don’t be surprised if these questions uncover something in you that you didn’t even know existed.
Learn more about:
Master the art of listening and learn how this skill can reshape your retirement journey.
Learn to address and heal common money issues that can impact retirement well-being.
Understand the connection between happiness, money, and retirement to maximize your golden years.
Caleb and Riley are joined by Bonnie J. Kaplan, Ph.D, Professor Emerita in the Faculty of Medicine at the University of Calgary. Bonnie co-authored The Better Brain. The book is a complete guide to a healthier, happier brain. What if the key to treating mental illness can’t be found at the pharmacy, but lies in the very foods and nutrients we eat? In this episode Bonnie shares the results of some fascinating studies and what it means for our brains.
Learn more about:
The important but under appreciated connections between nutrition and brain health
The effectiveness of a “nutrition first approach” and how it can be applied to prevent and treat illnesses
Practical advice on how to maximize your retirement years by adopting healthy eating habits and lifestyle choices that support brain health.
69: Your big 4 retirement levers and the true impact of saving 1% more
10 Jul 2023
00:46:13
Caleb and Riley discuss the potential impact of saving just 1% more each month. How much earlier do you think it would allow you to retire? In this episode we walk you through this calculation as well as describe the four biggest levers you have control over to get closer to your ideal retirement.
Learn more about:
The impact of saving 1% more every month versus working 1 more year
Your 4 biggest levers when trying to improve your financial situation for retirement
How to determine which lever will have the biggest impact on getting your ideal retirement
104: Theoren Fleury: Calgary Flame NHL Legend - Recovering from Hockey
11 Mar 2024
00:53:52
Caleb and Riley are joined by Theoren Fleury, Canadian former professional hockey player, author and motivational speaker.
Theo was drafted by the Flames at the 1987 NHL Entry Draft, and played over 1,000 games in the NHL between 1989 and 2003. Theo is not known not just for his electrifying career in the NHL though, but also for his courageous journey off the ice.
Theo has turned his personal battles with trauma, addiction, and recovery into a powerful message of resilience and leadership. Through his motivational speaking and work with Fleury Enterprises, he inspires others to find their voice, embrace vulnerability, and take action towards healing and empowerment. Today, Theo joins us to share his insights on overcoming life's challenges, the importance of self-leadership in retirement, and how to live a life filled with purpose and passion.
Learn more about:
The untold stories of Fleury's life, revealing the complexities of identity and resilience beyond the ice rink.
The emotional and financial preparation required for a successful transition from a professional sports career to retirement.
The impact of sharing personal stories on healing and empowerment, both for the storyteller and their audience.
Fleury's unique perspective on achieving fulfillment in life after professional sports, offering valuable lessons for those seeking purpose in retirement.
68: Peter Blomfield: Snowbirds, dual citizens and unraveling U.S. tax mysteries for Canadians
03 Jul 2023
00:55:18
Caleb and Riley are joined by Peter Blomfield, a U.S. tax advisor focused on international tax issues for U.S. citizens living in Canada. If you spend many months a year in the US, are a dual citizen or thinking about purchasing U.S. real estate, this episode is full of really great information and advice on how to navigate U.S. taxes and avoid common potential traps.
Learn more about:
Dual citizenship and the associated tax dilemma. Uncover the complexities of U.S. tax filing for dual citizens and learn about potential paths like U.S. citizenship renunciation.
How to be a successful snowbird and navigating the essential 'Day Count Rule' and 'Substantial Presence Test' for Canadians spending part of the year in the U.S.
What to know before making a cross-border real estate purchase and the tax implications for Canadians purchasing U.S. real estate.
67: Susan Bradley: Mastering Life Transitions for a Fulfilling Retirement
26 Jun 2023
01:01:27
Caleb and Riley are joined by Susan Bradley, the Founder of the Sudden Money® Institute. For 16 years Susan has been teaching people how to successfully navigate the big and small transitions in life. She is the author of Sudden Money: Managing a Financial Windfall, and TEDx Wilmington Women talk called, “Change launches you into the next great chapter of your life, whether you like it or not.”
Learn more about:
How to navigate major life transitions for a more fulfilling retirement experience.
The different phases of retirement transition and how to effectively approach each stage to ensure a smoother and more enjoyable journey.
Insightful advice and practical tips from an expert on managing expectations, making well-informed decisions, and involving family and support networks during the retirement transition.
66: Bad Questions Ruin Retirements: How to Avoid Common Finance Mistakes by Asking Better Questions
19 Jun 2023
00:42:21
Caleb and Riley discuss the most commonly asked bad financial questions. In this episode they explain why they are bad, and share the better questions we should be asking instead to get more value our of our meetings with advisors.
Learn more about:
The bad questions to avoid and the good questions to ask help you get the answer to what you truly want
Learn how to better evaluate your retirements, your portfolio and your relationship with your advisor
Why most questions about the investment markets tend to produce the worst answers
Hosted by Caleb Miller and Riley Anderson of InvestorDNA
65: Jocelyn Rempel: Age tech and remaining independent as we age
12 Jun 2023
00:48:48
Caleb and Riley are joined by Jocelyn Rempel, Chair in Older Adult Health and Associate Professor at Mount Royal University. Jocelyn’s experience as a gerontological nurse has spanned across the care continuum from homecare to long-term care and she is currently forging the way for innovation and technology in the aging space through her research and work with AgeTech and IoT companies.
Learn more about:
New technologies being developed to assist older adults in living independently.
How to avoid social isolation as we age and the importance of ‘replacement activities’.
Insight into the often unexpected challenges that arise for older adults as they age
64: Joan Pagano: Secrets to preventing osteoporosis and keeping a youthful edge
05 Jun 2023
00:55:49
Caleb and Riley are joined by Joan Pagano the owner of Joan Pagano Fitness in NYC, who has specialized in strength training for women since 1988. As the former trainer to Jacqueline and Caroline Kennedy, Joan is dedicated to helping women manage the aging process with grace. At age 75, Joan continues to inspire as a healthy aging and women’s fitness expert, proving that strength and vitality can be maintained through the decades.
Learn more about:
The top exercises and strategies for preventing osteoporosis and staying strong through the decades, tailored specifically for women's unique health needs
How to harness the power of strength training to not only protect your bones, but also maintain a youthful appearance, boost your energy levels, and improve your overall well-being.
Joan’s experiences training iconic figures like Jacqueline Onassis and Caroline Kennedy, and how these lessons can empower your own fitness journey.
63: George Kinder: Three guiding questions to reveal your fulfilling retirement
29 May 2023
00:51:10
Caleb and Riley are joined by George Kinder, Author, international thought leader, and life-planning pioneer. George has been at the forefront of the financial services industry for more than 35 years, spearheading a movement to put the lives that clients desire to live at the center of their financial plans. Through books, workshops, and speaking engagements, George has trained thousands of professionals globally in the field of financial life planning.
Learn more about:
Having the emotional maturity and confidence to recognize and then pursue your aspirations
How you can discover what you truly want out of life and how you can align your financial plan with your life plan
Changing your perspective on suffering and how suffering can be turned into retirement wisdom