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<rss xmlns:itunes="http://www.itunes.com/dtds/podcast-1.0.dtd" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:podcast="https://podcastindex.org/namespace/1.0" xmlns:media="http://search.yahoo.com/mrss/" version="2.0"><channel><title>The Big Picture Retirement Show</title><link>https://www.spreaker.com/podcast/the-big-picture-retirement-show--6925348</link><description><![CDATA[Tune in to The Big Picture Retirement Show, where we take a holistic approach to retirement. Listen in as host Reid Abedeen shares strategies that will help you discover ways to maximize and generate more income, helping to ensure that your money can last throughout your retirement. Learn more about keeping your investments working together to help achieve your financial goals, strategies for transferring wealth and how to make sure you're not paying more than your fair share in taxes. Start listening today!]]></description><atom:link href="https://www.spreaker.com/show/6925348/episodes/feed" rel="self" type="application/rss+xml"/><language>en</language><category>Investing</category><copyright>Copyright Safeguard Investment Advisory Group</copyright><image><url>https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg</url><title>The Big Picture Retirement Show</title><link>https://www.spreaker.com/podcast/the-big-picture-retirement-show--6925348</link></image><lastBuildDate>Mon, 28 Sep 2026 21:18:28 +0000</lastBuildDate><itunes:author>Reid Abedeen</itunes:author><itunes:owner><itunes:name>Reid Abedeen</itunes:name><itunes:email>feeds@spreaker.com</itunes:email></itunes:owner><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:subtitle>Tune in to The Big Picture Retirement Show, where we take a holistic approach to retirement. Listen in as host Reid Abedeen shares strategies that will help you discover ways to maximize and generate more income, helping to ensure that your money can...</itunes:subtitle><itunes:summary><![CDATA[Tune in to The Big Picture Retirement Show, where we take a holistic approach to retirement. Listen in as host Reid Abedeen shares strategies that will help you discover ways to maximize and generate more income, helping to ensure that your money can last throughout your retirement. Learn more about keeping your investments working together to help achieve your financial goals, strategies for transferring wealth and how to make sure you're not paying more than your fair share in taxes. Start listening today!]]></itunes:summary><itunes:category text="Business"><itunes:category text="Investing"/></itunes:category><itunes:category text="Business"/><itunes:explicit>false</itunes:explicit><podcast:guid>2e028b19-7c5e-5f4e-bd1c-48ac9bcbc037</podcast:guid><itunes:type>episodic</itunes:type><item><title>Tax Savvy Strategies</title><link>https://www.spreaker.com/episode/tax-savvy-strategies--75417346</link><description><![CDATA[Are you ready to flip the retirement script? In this episode of The Big Picture Retirement Show, hosts Reid Abedeen and Mark Elliott dig into one of retirement’s biggest mysteries: why even the most successful savers sometimes become the most nervous spenders. Is your hard-earned nest egg controlling your happiness—or is it the other way around? Reid shares real-life stories and the surprising reasons why enjoying your money in retirement isn’t as easy as it looks. Plus, discover the blind spots in even the strongest retirement plans and why finding your “number” isn’t the answer you think it is.<br /><br />But the big number is just one piece of the puzzle. Reid and Mark reveal the hidden tax traps that could eat into your retirement savings and introduce the strategies that smart retirees use to keep more for themselves. From stealth taxes to generational challenges and the art of building a plan that actually lets you sleep at night, this episode will get you rethinking everything you thought you knew about your money, your mindset, and your goals for the future. You’ll leave with new questions—and maybe just the push you need to take the next step!<br />]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/75417346</guid><pubDate>Mon, 28 Sep 2026 21:18:08 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/75417346/big_picture_radio_show_podcast_09_05_26.mp3" length="70075879" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:subtitle>Are you ready to flip the retirement script? In this episode of The Big Picture Retirement Show, hosts Reid Abedeen and Mark Elliott dig into one of retirement’s biggest mysteries: why even the most successful savers sometimes become the most nervous...</itunes:subtitle><itunes:summary><![CDATA[Are you ready to flip the retirement script? In this episode of The Big Picture Retirement Show, hosts Reid Abedeen and Mark Elliott dig into one of retirement’s biggest mysteries: why even the most successful savers sometimes become the most nervous spenders. Is your hard-earned nest egg controlling your happiness—or is it the other way around? Reid shares real-life stories and the surprising reasons why enjoying your money in retirement isn’t as easy as it looks. Plus, discover the blind spots in even the strongest retirement plans and why finding your “number” isn’t the answer you think it is.<br /><br />But the big number is just one piece of the puzzle. Reid and Mark reveal the hidden tax traps that could eat into your retirement savings and introduce the strategies that smart retirees use to keep more for themselves. From stealth taxes to generational challenges and the art of building a plan that actually lets you sleep at night, this episode will get you rethinking everything you thought you knew about your money, your mindset, and your goals for the future. You’ll leave with new questions—and maybe just the push you need to take the next step!<br />]]></itunes:summary><itunes:duration>2911</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>The Retirement Paycheck Predicament</title><link>https://www.spreaker.com/episode/the-retirement-paycheck-predicament--73284846</link><description><![CDATA[Are you and your partner seeing eye-to-eye on your retirement plans—or does the idea of market dips send someone running for cover? This week on The Big Picture Retirement Show, host Mark Elliott and retirement pro Reed Abedeen tackle the real-life challenges couples face when approaching their golden years, especially when risk tolerance just doesn’t align. You’ll hear how Reed helps sort through clashing investment emotions and personal goals, tailoring plans that fit not just your numbers, but your dreams (and yes, even those big what-ifs about moving to the Midwest or buying that RV).<br />But that’s just the beginning. The episode dives into some of retirement’s most pressing puzzles—from preparing for the “tax bomb” no one talks about, to the special pressures women face in retirement, and the often-overlooked complexities that come with losing a spouse. Will you get all the answers? Not quite—but you’ll leave with just enough insight and curiosity to start asking the right questions about your own financial future. Tune in for a blend of storytelling, candid advice, and actionable tips that will make you rethink what it truly means to retire on your terms.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/73284846</guid><pubDate>Fri, 31 Jul 2026 14:59:27 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/73284846/big_picture_radio_show_podcast_07_25_26.mp3" length="70541350" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:subtitle>Are you and your partner seeing eye-to-eye on your retirement plans—or does the idea of market dips send someone running for cover? This week on The Big Picture Retirement Show, host Mark Elliott and retirement pro Reed Abedeen tackle the real-life...</itunes:subtitle><itunes:summary><![CDATA[Are you and your partner seeing eye-to-eye on your retirement plans—or does the idea of market dips send someone running for cover? This week on The Big Picture Retirement Show, host Mark Elliott and retirement pro Reed Abedeen tackle the real-life challenges couples face when approaching their golden years, especially when risk tolerance just doesn’t align. You’ll hear how Reed helps sort through clashing investment emotions and personal goals, tailoring plans that fit not just your numbers, but your dreams (and yes, even those big what-ifs about moving to the Midwest or buying that RV).<br />But that’s just the beginning. The episode dives into some of retirement’s most pressing puzzles—from preparing for the “tax bomb” no one talks about, to the special pressures women face in retirement, and the often-overlooked complexities that come with losing a spouse. Will you get all the answers? Not quite—but you’ll leave with just enough insight and curiosity to start asking the right questions about your own financial future. Tune in for a blend of storytelling, candid advice, and actionable tips that will make you rethink what it truly means to retire on your terms.]]></itunes:summary><itunes:duration>2930</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Mid-Year Check Up</title><link>https://www.spreaker.com/episode/mid-year-check-up--72974027</link><description><![CDATA[Ready to find out the little things that could throw off your retirement plans—without even knowing it? On this episode of The Big Picture Retirement Show, Reid Abedeen and Mark Elliot get real about why a mid-year financial checkup is your secret weapon, whether you’re two years from retiring or ten. From untapped Roth opportunities to the overlooked impact of taxes (yes, the kind that actually shrink your nest egg), the team reveals why waiting until crisis hits is the biggest mistake of all. But don’t worry—they won’t tell you everything just yet.<br /><br />Just how safe is Social Security, and what happens if it faces a dramatic benefit cut? Could higher taxes or lurking debt sabotage even the best-laid plans? Reid shares eye-opening real-life stories and offers a fresh, proactive take on what you <i>should</i> be doing this summer to keep your financial future on track. If you think you can set and forget your retirement plan—this episode just might make you think again. Don’t miss the hidden opportunities and surprising truths inside!]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/72974027</guid><pubDate>Mon, 20 Jul 2026 13:00:02 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/72974027/big_picture_radio_show_podcast_07_18_26.mp3" length="70522197" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:subtitle>Ready to find out the little things that could throw off your retirement plans—without even knowing it? On this episode of The Big Picture Retirement Show, Reid Abedeen and Mark Elliot get real about why a mid-year financial checkup is your secret...</itunes:subtitle><itunes:summary><![CDATA[Ready to find out the little things that could throw off your retirement plans—without even knowing it? On this episode of The Big Picture Retirement Show, Reid Abedeen and Mark Elliot get real about why a mid-year financial checkup is your secret weapon, whether you’re two years from retiring or ten. From untapped Roth opportunities to the overlooked impact of taxes (yes, the kind that actually shrink your nest egg), the team reveals why waiting until crisis hits is the biggest mistake of all. But don’t worry—they won’t tell you everything just yet.<br /><br />Just how safe is Social Security, and what happens if it faces a dramatic benefit cut? Could higher taxes or lurking debt sabotage even the best-laid plans? Reid shares eye-opening real-life stories and offers a fresh, proactive take on what you <i>should</i> be doing this summer to keep your financial future on track. If you think you can set and forget your retirement plan—this episode just might make you think again. Don’t miss the hidden opportunities and surprising truths inside!]]></itunes:summary><itunes:duration>2930</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Make Your Money Work for You</title><link>https://www.spreaker.com/episode/make-your-money-work-for-you--72844922</link><description><![CDATA[Ever wondered if retirement really means spending less, or if you must hit that magic million-dollar mark to enjoy your golden years? This episode of The Big Picture Retirement Show dives deep into the true heart of retiring smart—with more than a few surprises along the way. Reid Aberdeen and the Safeguard team break down some of the biggest myths out there, from spending habits to investment choices, and reveal why the right strategy beats just chasing a big number every time. Plus, there's a candid conversation about the buzz surrounding headline-grabbing investments like IPOs—should you jump in, wait, or steer clear entirely?<br /><br />But don’t expect all the secrets to be handed out in one go. You'll hear about real fears retirees face (like running out of money!), the importance of finding a trustworthy fiduciary, and how your health, lifestyle, and family needs must shape your plan. With a few laughs and even a Blockbuster throwback, Reid and Mark keep things conversational, relatable, and practical. Whether you’re preparing for retirement or just want a peek behind the curtain of what really matters, this episode is packed with insights you won’t want to miss.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/72844922</guid><pubDate>Mon, 13 Jul 2026 13:00:06 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/72844922/big_picture_radio_show_podcast_07_11_26.mp3" length="70485975" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:subtitle>Ever wondered if retirement really means spending less, or if you must hit that magic million-dollar mark to enjoy your golden years? This episode of The Big Picture Retirement Show dives deep into the true heart of retiring smart—with more than a few...</itunes:subtitle><itunes:summary><![CDATA[Ever wondered if retirement really means spending less, or if you must hit that magic million-dollar mark to enjoy your golden years? This episode of The Big Picture Retirement Show dives deep into the true heart of retiring smart—with more than a few surprises along the way. Reid Aberdeen and the Safeguard team break down some of the biggest myths out there, from spending habits to investment choices, and reveal why the right strategy beats just chasing a big number every time. Plus, there's a candid conversation about the buzz surrounding headline-grabbing investments like IPOs—should you jump in, wait, or steer clear entirely?<br /><br />But don’t expect all the secrets to be handed out in one go. You'll hear about real fears retirees face (like running out of money!), the importance of finding a trustworthy fiduciary, and how your health, lifestyle, and family needs must shape your plan. With a few laughs and even a Blockbuster throwback, Reid and Mark keep things conversational, relatable, and practical. Whether you’re preparing for retirement or just want a peek behind the curtain of what really matters, this episode is packed with insights you won’t want to miss.]]></itunes:summary><itunes:duration>2928</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Optimizing Retirement Income</title><link>https://www.spreaker.com/episode/optimizing-retirement-income--72844916</link><guid isPermaLink="false">https://api.spreaker.com/episode/72844916</guid><pubDate>Mon, 06 Jul 2026 21:34:07 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/72844916/big_picture_radio_show_podcast_06_20_26.mp3" length="69696173" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:duration>2895</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Retirement Optimism</title><link>https://www.spreaker.com/episode/retirement-optimism--72552731</link><guid isPermaLink="false">https://api.spreaker.com/episode/72552731</guid><pubDate>Tue, 16 Jun 2026 17:51:56 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/72552731/big_picture_radio_show_podcast_05_23_26.mp3" length="68310153" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:duration>2837</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Four Questions About Retirement</title><link>https://www.spreaker.com/episode/four-questions-about-retirement--72552723</link><guid isPermaLink="false">https://api.spreaker.com/episode/72552723</guid><pubDate>Tue, 16 Jun 2026 17:51:10 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/72552723/big_picture_radio_show_podcast_05_16_26.mp3" length="68899616" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:duration>2862</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Act Your Age (Asset Allocation)</title><link>https://www.spreaker.com/episode/act-your-age-asset-allocation--72552711</link><guid isPermaLink="false">https://api.spreaker.com/episode/72552711</guid><pubDate>Tue, 16 Jun 2026 17:50:33 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/72552711/big_picture_radio_show_podcast_05_02_26.mp3" length="68760576" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:duration>2856</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Marathon of Her</title><link>https://www.spreaker.com/episode/marathon-of-her--72552702</link><guid isPermaLink="false">https://api.spreaker.com/episode/72552702</guid><pubDate>Tue, 16 Jun 2026 17:49:40 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/72552702/big_picture_radio_show_podcast_04_25_26.mp3" length="69045348" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:duration>2868</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Healthcare Heist</title><link>https://www.spreaker.com/episode/healthcare-heist--72552696</link><guid isPermaLink="false">https://api.spreaker.com/episode/72552696</guid><pubDate>Tue, 16 Jun 2026 17:48:59 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/72552696/big_picture_radio_show_podcast_04_18_26.mp3" length="70521929" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:duration>2930</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Financial Literacy Month 2026</title><link>https://www.spreaker.com/episode/financial-literacy-month-2026--72552583</link><guid isPermaLink="false">https://api.spreaker.com/episode/72552583</guid><pubDate>Tue, 16 Jun 2026 17:48:13 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/72552583/big_picture_radio_show_podcast_04_11_26.mp3" length="70122083" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:duration>2913</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>The Retirement Paycheck Predicament</title><link>https://www.spreaker.com/episode/the-retirement-paycheck-predicament--71071939</link><description><![CDATA[Are you losing sleep over the vanishing pension and an unpredictable 401(k)? This week, Reid Abedeen and Mark Elliott get candid about the “retirement paycheck predicament” that’s keeping millions up at night. With news about interest rates, job markets skittering, and gas prices soaring, it’s easy to feel nervous about the future. But don’t worry—Reed brought his crystal ball (well, almost)! Will you find the answers you need to retire confidently, or will you discover hidden pitfalls in your retirement planning?<br />Tune in as Reed reveals why your 401(k) isn’t the magical solution—and what you need to consider instead if you want your income to last throughout retirement. From separating must-haves and nice-to-haves, to avoiding cookie-cutter advice and learning the power of small tweaks, this lively conversation is packed with wisdom and laughs. Don't miss the listener mailbag, where real-world retiree questions get honest answers. Want to know if you’re really ready to call it quits? Hit play and find out what you might be overlooking!]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/71071939</guid><pubDate>Thu, 02 Apr 2026 22:25:40 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/71071939/big_picture_radio_show_153_03_28_26_podcast.mp3" length="69627570" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:subtitle>Are you losing sleep over the vanishing pension and an unpredictable 401(k)? This week, Reid Abedeen and Mark Elliott get candid about the “retirement paycheck predicament” that’s keeping millions up at night. With news about interest rates, job...</itunes:subtitle><itunes:summary><![CDATA[Are you losing sleep over the vanishing pension and an unpredictable 401(k)? This week, Reid Abedeen and Mark Elliott get candid about the “retirement paycheck predicament” that’s keeping millions up at night. With news about interest rates, job markets skittering, and gas prices soaring, it’s easy to feel nervous about the future. But don’t worry—Reed brought his crystal ball (well, almost)! Will you find the answers you need to retire confidently, or will you discover hidden pitfalls in your retirement planning?<br />Tune in as Reed reveals why your 401(k) isn’t the magical solution—and what you need to consider instead if you want your income to last throughout retirement. From separating must-haves and nice-to-haves, to avoiding cookie-cutter advice and learning the power of small tweaks, this lively conversation is packed with wisdom and laughs. Don't miss the listener mailbag, where real-world retiree questions get honest answers. Want to know if you’re really ready to call it quits? Hit play and find out what you might be overlooking!]]></itunes:summary><itunes:duration>2892</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Roth Conversions 2.0</title><link>https://www.spreaker.com/episode/roth-conversions-2-0--71071923</link><description><![CDATA[What do bombings overseas, rising national debt, and the looming threat of higher taxes have in common? They might just change your retirement forever! In this episode, Reid Abedeen draws from decades of experience—and a few globe-spanning life lessons—to break down why today's financial headlines shouldn't send you running for the exits. Instead, he reveals the opportunities hidden in the chaos, with a focus on those oh-so-timely Roth conversions. Wondering if now is the right moment for a move? Get ready—the answers might surprise you.<br />But that’s not all. Reid opens his mailbag and tackles the perennial questions on everyone's mind: How much is "enough" to retire? Should you max out retirement accounts or build up cash reserves? With his signature blend of wisdom, wit, and real-world examples, Reid offers just enough to keep you guessing—and wanting more. Don’t miss his insights on taxes, investment timing, and avoiding the most common retirement setbacks. Ready to see the big picture for your own future? Hit play and get the straight talk your retirement deserves.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/71071923</guid><pubDate>Thu, 02 Apr 2026 22:24:28 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/71071923/big_picture_radio_show_151_03_14_26_podcast.mp3" length="70153712" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:subtitle>What do bombings overseas, rising national debt, and the looming threat of higher taxes have in common? They might just change your retirement forever! In this episode, Reid Abedeen draws from decades of experience—and a few globe-spanning life...</itunes:subtitle><itunes:summary><![CDATA[What do bombings overseas, rising national debt, and the looming threat of higher taxes have in common? They might just change your retirement forever! In this episode, Reid Abedeen draws from decades of experience—and a few globe-spanning life lessons—to break down why today's financial headlines shouldn't send you running for the exits. Instead, he reveals the opportunities hidden in the chaos, with a focus on those oh-so-timely Roth conversions. Wondering if now is the right moment for a move? Get ready—the answers might surprise you.<br />But that’s not all. Reid opens his mailbag and tackles the perennial questions on everyone's mind: How much is "enough" to retire? Should you max out retirement accounts or build up cash reserves? With his signature blend of wisdom, wit, and real-world examples, Reid offers just enough to keep you guessing—and wanting more. Don’t miss his insights on taxes, investment timing, and avoiding the most common retirement setbacks. Ready to see the big picture for your own future? Hit play and get the straight talk your retirement deserves.]]></itunes:summary><itunes:duration>2914</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Your 401(k) is Not a Plan</title><link>https://www.spreaker.com/episode/your-401-k-is-not-a-plan--71071897</link><description><![CDATA[Think your 401(k) is the ultimate retirement plan? Think again! On this week’s Big Picture Retirement Show, Reid Abedeen and Mark Elliott dig deep into the toolbox of retirement—exposing why your accounts are just the starting point, not the masterplan. From funny golf stories and “silent assassins” (hello, inflation!) to real-talk about portfolio buffers, this episode draws the blueprint so you can build a retirement that actually fits your life—not someone else’s. But beware: Just like building a house, unexpected leaks and “uh-oh” moments are lurking around every corner. Reid unpacks how to guard against market downturns, healthcare curveballs, and those ever-changing variables that keep retirees up at night. Want to know the #1 mistake that even seasoned savers make—and a simple move to sidestep it? Hit play and discover why a customized plan (not just a pile of tools) is your real power move. Thinking about how Social Security and updated tax laws fit into your strategy? You’ll find clues here, but the full story is only a listen away!]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/71071897</guid><pubDate>Thu, 02 Apr 2026 22:22:52 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/71071897/big_picture_radio_show_149_02_21_26_podcast.mp3" length="70153226" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:subtitle>Think your 401(k) is the ultimate retirement plan? Think again! On this week’s Big Picture Retirement Show, Reid Abedeen and Mark Elliott dig deep into the toolbox of retirement—exposing why your accounts are just the starting point, not the...</itunes:subtitle><itunes:summary><![CDATA[Think your 401(k) is the ultimate retirement plan? Think again! On this week’s Big Picture Retirement Show, Reid Abedeen and Mark Elliott dig deep into the toolbox of retirement—exposing why your accounts are just the starting point, not the masterplan. From funny golf stories and “silent assassins” (hello, inflation!) to real-talk about portfolio buffers, this episode draws the blueprint so you can build a retirement that actually fits your life—not someone else’s. But beware: Just like building a house, unexpected leaks and “uh-oh” moments are lurking around every corner. Reid unpacks how to guard against market downturns, healthcare curveballs, and those ever-changing variables that keep retirees up at night. Want to know the #1 mistake that even seasoned savers make—and a simple move to sidestep it? Hit play and discover why a customized plan (not just a pile of tools) is your real power move. Thinking about how Social Security and updated tax laws fit into your strategy? You’ll find clues here, but the full story is only a listen away!]]></itunes:summary><itunes:duration>2914</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>2026 Valentine's Day Special</title><link>https://www.spreaker.com/episode/2026-valentine-s-day-special--71071887</link><description><![CDATA[Are you sure you’re seeing your retirement plan from every angle—or could you be missing some costly blind spots? On this episode of The Big Picture Retirement Show, host Reid Abedeen digs deep into the realities of income planning, tax strategies, and the tricky balance between offense and defense in your financial life. With decades of experience—and some surprising stories from the field—Reid and Mark Elliott reveal why most retirees fear running out of money more than anything else, and just how crucial it is to proactively plan your retirement instead of reacting to the latest curveball.<br />Curious if you’re making the right moves with your IRA or 401(k? Wondering if Roth conversions are right for you, or how to navigate the shifting landscape of tax laws? Get ready for candid insights, real-life examples, and a taste of the upcoming book “The Mathematics of Retirement.” From the emotional side of retirement to strategies that might help you squeeze every drop from your hard-earned savings, this episode teases out what you’ll need—but doesn’t spill all the secrets. Listen in and find out why a 15-minute strategy call could change your financial future, and what’s coming next for Reid and the Safeguard team.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/71071887</guid><pubDate>Thu, 02 Apr 2026 22:21:47 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/71071887/big_picture_radio_show_148_02_14_26_podcast.mp3" length="70482510" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:subtitle>Are you sure you’re seeing your retirement plan from every angle—or could you be missing some costly blind spots? On this episode of The Big Picture Retirement Show, host Reid Abedeen digs deep into the realities of income planning, tax strategies,...</itunes:subtitle><itunes:summary><![CDATA[Are you sure you’re seeing your retirement plan from every angle—or could you be missing some costly blind spots? On this episode of The Big Picture Retirement Show, host Reid Abedeen digs deep into the realities of income planning, tax strategies, and the tricky balance between offense and defense in your financial life. With decades of experience—and some surprising stories from the field—Reid and Mark Elliott reveal why most retirees fear running out of money more than anything else, and just how crucial it is to proactively plan your retirement instead of reacting to the latest curveball.<br />Curious if you’re making the right moves with your IRA or 401(k? Wondering if Roth conversions are right for you, or how to navigate the shifting landscape of tax laws? Get ready for candid insights, real-life examples, and a taste of the upcoming book “The Mathematics of Retirement.” From the emotional side of retirement to strategies that might help you squeeze every drop from your hard-earned savings, this episode teases out what you’ll need—but doesn’t spill all the secrets. Listen in and find out why a 15-minute strategy call could change your financial future, and what’s coming next for Reid and the Safeguard team.]]></itunes:summary><itunes:duration>2928</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Optimizing Retirement Income</title><link>https://www.spreaker.com/episode/optimizing-retirement-income--71071837</link><description><![CDATA[Curious how much you <i>really</i> know about the hidden hurdles retirees face? In this episode of The Big Picture Retirement Show, Reid Abedeen and Mark Elliot pull back the curtain on the topics so many families avoid: inheritance mysteries, the daunting dance of inflation, and those sneaky “stealth taxes” nobody sees coming. Whether you’re wondering if your family would be left with questions or scrambling to keep your retirement income growing, this conversation skips the sugarcoating—yet keeps you guessing. But here’s the twist: not everything’s as simple as updating your documents or counting on Social Security’s cost-of-living bumps. With new laws changing the rules, sky-high inflation, and Medicare’s secret “Irma” charges, there’s never been a more crucial time to get the facts. Plus, listeners get the inside scoop on how Reid’s “Big Picture Blueprint” helps safeguard your legacy AND your wallet. Tune in—and discover what could upend your best-laid plans!]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/71071837</guid><pubDate>Thu, 02 Apr 2026 22:20:20 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/71071837/big_picture_radio_show_146_01_31_26_podcast.mp3" length="69584875" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:subtitle>Curious how much you really know about the hidden hurdles retirees face? In this episode of The Big Picture Retirement Show, Reid Abedeen and Mark Elliot pull back the curtain on the topics so many families avoid: inheritance mysteries, the daunting...</itunes:subtitle><itunes:summary><![CDATA[Curious how much you <i>really</i> know about the hidden hurdles retirees face? In this episode of The Big Picture Retirement Show, Reid Abedeen and Mark Elliot pull back the curtain on the topics so many families avoid: inheritance mysteries, the daunting dance of inflation, and those sneaky “stealth taxes” nobody sees coming. Whether you’re wondering if your family would be left with questions or scrambling to keep your retirement income growing, this conversation skips the sugarcoating—yet keeps you guessing. But here’s the twist: not everything’s as simple as updating your documents or counting on Social Security’s cost-of-living bumps. With new laws changing the rules, sky-high inflation, and Medicare’s secret “Irma” charges, there’s never been a more crucial time to get the facts. Plus, listeners get the inside scoop on how Reid’s “Big Picture Blueprint” helps safeguard your legacy AND your wallet. Tune in—and discover what could upend your best-laid plans!]]></itunes:summary><itunes:duration>2891</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Retirement Optimism</title><link>https://www.spreaker.com/episode/retirement-optimism--71071815</link><description><![CDATA[Are you feeling more nervous than excited about your retirement years? You’re not alone! In this episode of the Big Picture Retirement Show, Reid Abedeen and Mark Elliott dive into why only 30% of retirees feel optimistic about maintaining their lifestyle—and, more importantly, what you can do to join the confident crowd. Discover why so many people are unsure about their financial future, and pick up hints about critical shifts happening this year that could impact your retirement game plan. Reid shares stories from real strategy sessions, revealing fears, fixes, and those “aha!” moments that changed clients’ lives for the better.<br />But don’t expect a one-size-fits-all prescription. Reid explores the heart of financial planning: adjusting to yearly changes, managing the risks you don’t see coming, and crafting a living blueprint that evolves with you. From maximizing your income and optimizing taxes to the secret power of ongoing strategy meetings, you’ll realize retirement security doesn’t come from “set and forget”—it comes from being proactive. Stick around for insights into new laws, tax brackets, and the choices you need to make for 2026. If you want a retirement plan that works for you (not just the markets), tune in and get ready to make your confidence soar.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/71071815</guid><pubDate>Thu, 02 Apr 2026 22:18:54 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/71071815/big_picture_radio_show_145_01_24_26_podcast.mp3" length="70487180" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:subtitle>Are you feeling more nervous than excited about your retirement years? You’re not alone! In this episode of the Big Picture Retirement Show, Reid Abedeen and Mark Elliott dive into why only 30% of retirees feel optimistic about maintaining their...</itunes:subtitle><itunes:summary><![CDATA[Are you feeling more nervous than excited about your retirement years? You’re not alone! In this episode of the Big Picture Retirement Show, Reid Abedeen and Mark Elliott dive into why only 30% of retirees feel optimistic about maintaining their lifestyle—and, more importantly, what you can do to join the confident crowd. Discover why so many people are unsure about their financial future, and pick up hints about critical shifts happening this year that could impact your retirement game plan. Reid shares stories from real strategy sessions, revealing fears, fixes, and those “aha!” moments that changed clients’ lives for the better.<br />But don’t expect a one-size-fits-all prescription. Reid explores the heart of financial planning: adjusting to yearly changes, managing the risks you don’t see coming, and crafting a living blueprint that evolves with you. From maximizing your income and optimizing taxes to the secret power of ongoing strategy meetings, you’ll realize retirement security doesn’t come from “set and forget”—it comes from being proactive. Stick around for insights into new laws, tax brackets, and the choices you need to make for 2026. If you want a retirement plan that works for you (not just the markets), tune in and get ready to make your confidence soar.]]></itunes:summary><itunes:duration>2928</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Act Your Age (Asset Allocation)</title><link>https://www.spreaker.com/episode/act-your-age-asset-allocation--71071748</link><description><![CDATA[Ever wondered if the tried-and-true rules of retirement are really driving you safely into your golden years—or speeding you toward some unexpected detours? Join Reid Abedeen and Mark Elliot as they share eye-opening price predictions, expose the quirks behind classic financial wisdom like the "Rule of 100," and dive into how inflation, the markets, and even your New Year’s goals all collide in today’s retirement landscape. Will Social Security keep up? Is playing it safe secretly costing you? Get ready for market metaphors, candid advice, and a behind-the-scenes peek at real-life retirement challenges.<br />But don’t expect a predictable financial checklist—this episode promises surprising moments and some lively debate. Reid’s not just handing out cookie-cutter plans, but showing how your retirement journey should be custom-tailored to your hopes, personality, and evolving circumstances. Stick around to hear why being "too conservative" might outpace your nest egg, and how a simple phone chat could offer the clarity you didn’t know you needed. Want to know what goals and resolutions really help you get ahead in retirement? Tune in and find out—because the safest speed might not be what you think.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/71071748</guid><pubDate>Thu, 02 Apr 2026 22:17:24 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/71071748/big_picture_radio_show_144_01_17_26_podcast.mp3" length="70927432" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:subtitle>Ever wondered if the tried-and-true rules of retirement are really driving you safely into your golden years—or speeding you toward some unexpected detours? Join Reid Abedeen and Mark Elliot as they share eye-opening price predictions, expose the...</itunes:subtitle><itunes:summary><![CDATA[Ever wondered if the tried-and-true rules of retirement are really driving you safely into your golden years—or speeding you toward some unexpected detours? Join Reid Abedeen and Mark Elliot as they share eye-opening price predictions, expose the quirks behind classic financial wisdom like the "Rule of 100," and dive into how inflation, the markets, and even your New Year’s goals all collide in today’s retirement landscape. Will Social Security keep up? Is playing it safe secretly costing you? Get ready for market metaphors, candid advice, and a behind-the-scenes peek at real-life retirement challenges.<br />But don’t expect a predictable financial checklist—this episode promises surprising moments and some lively debate. Reid’s not just handing out cookie-cutter plans, but showing how your retirement journey should be custom-tailored to your hopes, personality, and evolving circumstances. Stick around to hear why being "too conservative" might outpace your nest egg, and how a simple phone chat could offer the clarity you didn’t know you needed. Want to know what goals and resolutions really help you get ahead in retirement? Tune in and find out—because the safest speed might not be what you think.]]></itunes:summary><itunes:duration>2947</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 161: Trump's Big Beautiful Bill and Your Retirement</title><link>https://www.spreaker.com/episode/episode-161-trump-s-big-beautiful-bill-and-your-retirement--70833754</link><description><![CDATA[Get ready for a deep dive into the intricate world of retirement planning with this episode of "The Big Picture Retirement Show" featuring Reid Abedeen. Ever wondered how the choices between active and passive investment can steer your retirement ship? Reid opens the conversation on this pivotal decision-making process, sharing insight and expert advice drawn from over 25 years of industry experience. Plus, with the "Big Beautiful Bill" making headlines, find out what potential changes could mean for your tax strategy and financial future. This is an episode designed to make you think twice about your investment choices! Tune in as Reid fields questions from listeners, diving into topics including the tax implications of different investment styles and how rapidly changing technologies is reshaping the investment landscape. Whether you're nearing retirement or just starting to think about it, this episode is packed with valuable tidbits that are both timely and transformative. Let Reid, with his knack for simplifying complex subjects, help you see the bigger picture and guide you to a retirement that aligns with your dreams. Could the timing of the "Big Beautiful Bill" and the sunsetting of the 2017 Tax Cuts and Jobs Act change your strategy? Listen in to decide.]]></description><guid isPermaLink="false">e08d6168-8432-40b3-b71f-5ac9ce9630e6</guid><pubDate>Mon, 30 Jun 2025 15:00:00 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/70833754/big_picture_radio_show_122_6_28_25_podcast.mp3" length="70916782" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:subtitle>Get ready for a deep dive into the intricate world of retirement planning with this episode of "The Big Picture Retirement Show" featuring Reid Abedeen. Ever wondered how the choices between active and passive investment can steer your retirement...</itunes:subtitle><itunes:summary><![CDATA[Get ready for a deep dive into the intricate world of retirement planning with this episode of "The Big Picture Retirement Show" featuring Reid Abedeen. Ever wondered how the choices between active and passive investment can steer your retirement ship? Reid opens the conversation on this pivotal decision-making process, sharing insight and expert advice drawn from over 25 years of industry experience. Plus, with the "Big Beautiful Bill" making headlines, find out what potential changes could mean for your tax strategy and financial future. This is an episode designed to make you think twice about your investment choices! Tune in as Reid fields questions from listeners, diving into topics including the tax implications of different investment styles and how rapidly changing technologies is reshaping the investment landscape. Whether you're nearing retirement or just starting to think about it, this episode is packed with valuable tidbits that are both timely and transformative. Let Reid, with his knack for simplifying complex subjects, help you see the bigger picture and guide you to a retirement that aligns with your dreams. Could the timing of the "Big Beautiful Bill" and the sunsetting of the 2017 Tax Cuts and Jobs Act change your strategy? Listen in to decide.]]></itunes:summary><itunes:duration>2947</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 160: Navigating the Retirement Maze</title><link>https://www.spreaker.com/episode/episode-160-navigating-the-retirement-maze--70833773</link><description><![CDATA[Ever felt like your retirement plans are as tangled as a ball of yarn weighted by financial jargon and uncertainty? This week on "The Big Picture Retirement Show," host Reid Abedeen takes the mic to untangle the complexities of retirement planning. Dive into the five pivotal pillars—income, investment, taxes, healthcare, and legacy planning—as Reid and Mark Elliott discuss real-life scenarios that challenge our perspectives on financial security. They reveal surprising insights about how the "cookie cutter" approach could sabotage rather than secure your retirement dreams. Tune in for an enlightening chat where every question leads to more clarity, and each fear unlocks a roadmap. Will you discover the secret to taking back control? Don't miss the insider tips on pressing issues, including imminent legislative changes that could impact your plans. A listener's exclusive, with nothing but eye-opening revelations—catch this vital episode and get ready to reassess your retirement blueprint.]]></description><guid isPermaLink="false">5af44b8a-54ef-4d69-9b47-22dec893860f</guid><pubDate>Tue, 24 Jun 2025 15:47:00 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/70833773/big_picture_radio_show_121_6_21_25_podcast.mp3" length="94484813" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:subtitle>Ever felt like your retirement plans are as tangled as a ball of yarn weighted by financial jargon and uncertainty? This week on "The Big Picture Retirement Show," host Reid Abedeen takes the mic to untangle the complexities of retirement planning....</itunes:subtitle><itunes:summary><![CDATA[Ever felt like your retirement plans are as tangled as a ball of yarn weighted by financial jargon and uncertainty? This week on "The Big Picture Retirement Show," host Reid Abedeen takes the mic to untangle the complexities of retirement planning. Dive into the five pivotal pillars—income, investment, taxes, healthcare, and legacy planning—as Reid and Mark Elliott discuss real-life scenarios that challenge our perspectives on financial security. They reveal surprising insights about how the "cookie cutter" approach could sabotage rather than secure your retirement dreams. Tune in for an enlightening chat where every question leads to more clarity, and each fear unlocks a roadmap. Will you discover the secret to taking back control? Don't miss the insider tips on pressing issues, including imminent legislative changes that could impact your plans. A listener's exclusive, with nothing but eye-opening revelations—catch this vital episode and get ready to reassess your retirement blueprint.]]></itunes:summary><itunes:duration>2947</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 159: Mastering Your Financial Future: The Retirement Blueprint</title><link>https://www.spreaker.com/episode/episode-159-mastering-your-financial-future-the-retirement-blueprint--70833762</link><description><![CDATA[Join Reid Abedeen and Mark Elliott as they unravel the complexities of retirement planning in this episode of "The Big Picture Retirement Show." Discover how the synergy of investments, taxes, social security, and legacy planning can set you on a path to financial independence. With more than two decades of experience, Reid offers his insights on creating dependable income streams once the regular paycheck stops coming. Curious about how the latest market trends might impact your golden years? Reid has the answers just for you. Don't miss the subtle nuances of the Big Picture Blueprint that could transform the way you think about retirement! The episode is peppered with intriguing discussions about the unpredictability of markets, and Reid's engaging anecdotes will surely make you rethink your current strategies. Amidst the talks of tax implications post-retirement and the importance of customization in financial planning, Reid teases a few eyebrow-raising statistics that'll have you reconsidering your long-held beliefs. And for those looking to ensure they're not caught in a financial roller coaster when retirement hits, there might be some time-sensitive insights you need to act on. Tune in and find out what steps could prevent you from having to go back to the drawing board.]]></description><guid isPermaLink="false">1eaa95d1-826c-448e-a86b-4830c6017c33</guid><pubDate>Thu, 19 Jun 2025 17:59:00 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/70833762/big_picture_retirement_show_120_6_14_25_podcast_1.mp3" length="96206305" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:subtitle>Join Reid Abedeen and Mark Elliott as they unravel the complexities of retirement planning in this episode of "The Big Picture Retirement Show." Discover how the synergy of investments, taxes, social security, and legacy planning can set you on a path...</itunes:subtitle><itunes:summary><![CDATA[Join Reid Abedeen and Mark Elliott as they unravel the complexities of retirement planning in this episode of "The Big Picture Retirement Show." Discover how the synergy of investments, taxes, social security, and legacy planning can set you on a path to financial independence. With more than two decades of experience, Reid offers his insights on creating dependable income streams once the regular paycheck stops coming. Curious about how the latest market trends might impact your golden years? Reid has the answers just for you. Don't miss the subtle nuances of the Big Picture Blueprint that could transform the way you think about retirement! The episode is peppered with intriguing discussions about the unpredictability of markets, and Reid's engaging anecdotes will surely make you rethink your current strategies. Amidst the talks of tax implications post-retirement and the importance of customization in financial planning, Reid teases a few eyebrow-raising statistics that'll have you reconsidering your long-held beliefs. And for those looking to ensure they're not caught in a financial roller coaster when retirement hits, there might be some time-sensitive insights you need to act on. Tune in and find out what steps could prevent you from having to go back to the drawing board.]]></itunes:summary><itunes:duration>3001</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 158: Debunking Retirement Myths</title><link>https://www.spreaker.com/episode/episode-158-debunking-retirement-myths--70833798</link><description><![CDATA[Join hosts Reid Abedeen and Mark Elliott as they unravel common misconceptions about retirement in this engaging episode of "The Big Picture Retirement Show." As Reid discusses with humor and insight, they tackle myths about spending in retirement, maintaining the same lifestyle, and relying solely on Social Security. With over 20 years of experience, Reid shares invaluable advice to prepare you financially for the golden years, revealing secrets to safeguarding your nest egg. Get ready for unexpected truths and learn how to navigate the winding road to retirement with confidence. Reid, alongside his team at Safeguard Investment Advisory Group, helps listeners understand why some strategies work while others fall short, encouraging proactive planning. From the importance of an estate plan to potential pitfalls of Medicare, this episode offers a glimpse into the comprehensive approach needed for secure retirement. Discover why myths persist and why knowing the facts can dispatch your retirement fears. Tune in to uncover the vital components of a "big picture" financial blueprint that awaits just one phone call away. Time-Sensitive Content:<br /> The episode mentions current cost-of-living adjustments and financial planning strategies that may align with legislative changes, which could impact retirement plans if not addressed promptly. Additionally, there's a humorous take on the tariffs affecting unexpected living costs, which could be irrelevant on a future replay date]]></description><guid isPermaLink="false">58441ee0-391d-4061-a356-553fc78c6494</guid><pubDate>Mon, 19 May 2025 15:00:00 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/70833798/big_picture_radio_show_116_5_17_25_podcast.mp3" length="44005907" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:subtitle>Join hosts Reid Abedeen and Mark Elliott as they unravel common misconceptions about retirement in this engaging episode of "The Big Picture Retirement Show." As Reid discusses with humor and insight, they tackle myths about spending in retirement,...</itunes:subtitle><itunes:summary><![CDATA[Join hosts Reid Abedeen and Mark Elliott as they unravel common misconceptions about retirement in this engaging episode of "The Big Picture Retirement Show." As Reid discusses with humor and insight, they tackle myths about spending in retirement, maintaining the same lifestyle, and relying solely on Social Security. With over 20 years of experience, Reid shares invaluable advice to prepare you financially for the golden years, revealing secrets to safeguarding your nest egg. Get ready for unexpected truths and learn how to navigate the winding road to retirement with confidence. Reid, alongside his team at Safeguard Investment Advisory Group, helps listeners understand why some strategies work while others fall short, encouraging proactive planning. From the importance of an estate plan to potential pitfalls of Medicare, this episode offers a glimpse into the comprehensive approach needed for secure retirement. Discover why myths persist and why knowing the facts can dispatch your retirement fears. Tune in to uncover the vital components of a "big picture" financial blueprint that awaits just one phone call away. Time-Sensitive Content:<br /> The episode mentions current cost-of-living adjustments and financial planning strategies that may align with legislative changes, which could impact retirement plans if not addressed promptly. Additionally, there's a humorous take on the tariffs affecting unexpected living costs, which could be irrelevant on a future replay date]]></itunes:summary><itunes:duration>1369</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 157: Securing Your Future: Insights and Strategies for Retirees</title><link>https://www.spreaker.com/episode/episode-157-securing-your-future-insights-and-strategies-for-retirees--70833768</link><description><![CDATA[In this episode of "The Big Picture Retirement Show," managing partner Reid Abedeen of Safeguard Investment Advisor Group joins co-host Mark Elliott to delve into the complexities of retirement planning. Reid discusses the founding of Safeguard Investment Advisor Group with partners Rick Rivera and Eddie Sota, emphasizing their collective mission to assist retirees and pre-retirees with comprehensive planning. They address the importance of creating customized plans that consider risks, taxes, investment fees, income planning, and wealth transfer. Reid also highlights the significance of having an advisor experienced in fluctuating market conditions, advocating for a holistic approach to financial planning that includes addressing identity theft in today's digital age. Additionally, the episode features stories of families navigating retirement success and the role of emotional and familial dynamics in retirement planning. Reid shares insights into the importance of understanding clients' visions and goals, ensuring their financial security]]></description><guid isPermaLink="false">580eec05-7ffa-44c7-9185-18484bc51a4f</guid><pubDate>Mon, 12 May 2025 15:00:00 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/70833768/big_picture_radio_show_115_5_10_25_podcast.mp3" length="43958610" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:subtitle>In this episode of "The Big Picture Retirement Show," managing partner Reid Abedeen of Safeguard Investment Advisor Group joins co-host Mark Elliott to delve into the complexities of retirement planning. Reid discusses the founding of Safeguard...</itunes:subtitle><itunes:summary><![CDATA[In this episode of "The Big Picture Retirement Show," managing partner Reid Abedeen of Safeguard Investment Advisor Group joins co-host Mark Elliott to delve into the complexities of retirement planning. Reid discusses the founding of Safeguard Investment Advisor Group with partners Rick Rivera and Eddie Sota, emphasizing their collective mission to assist retirees and pre-retirees with comprehensive planning. They address the importance of creating customized plans that consider risks, taxes, investment fees, income planning, and wealth transfer. Reid also highlights the significance of having an advisor experienced in fluctuating market conditions, advocating for a holistic approach to financial planning that includes addressing identity theft in today's digital age. Additionally, the episode features stories of families navigating retirement success and the role of emotional and familial dynamics in retirement planning. Reid shares insights into the importance of understanding clients' visions and goals, ensuring their financial security]]></itunes:summary><itunes:duration>1368</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 156: Strategic Retirement Planning in Volatile Markets</title><link>https://www.spreaker.com/episode/episode-156-strategic-retirement-planning-in-volatile-markets--70833757</link><description><![CDATA[In this episode of "The Big Picture Retirement Show," hosts Rick Rivera and Mark Elliott discuss the importance of having a well-structured retirement plan amidst market volatility. They emphasize leveraging market downturns to the clients' advantage while ensuring that retirement plans do not solely rely on market performance. Rick underlines the significance of strategic planning and regular portfolio rebalancing to optimize retirement savings. The episode also explores various income structuring strategies, including the timing of Social Security benefits and the potential benefits of Roth conversions to manage tax efficiency and healthcare costs. Additionally, Rick addresses common concerns of retirees, such as managing Social Security in retirement, which can significantly impact long-term financial stability. The show highlights real-life client scenarios, providing insights on how to make informed decisions regarding retirement benefits, tax planning, and addressing unexpected financial challenges. The Safeguard Investment Advisory Group offers complimentary consultations to help individuals tailor retirement strategies to their unique situations.]]></description><guid isPermaLink="false">35c79be9-9ef1-4283-bf0e-cda05fd0b476</guid><pubDate>Mon, 28 Apr 2025 15:00:00 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/70833757/big_picture_radio_show_11_4_26_25_podcast.mp3" length="44600109" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:subtitle>In this episode of "The Big Picture Retirement Show," hosts Rick Rivera and Mark Elliott discuss the importance of having a well-structured retirement plan amidst market volatility. They emphasize leveraging market downturns to the clients' advantage...</itunes:subtitle><itunes:summary><![CDATA[In this episode of "The Big Picture Retirement Show," hosts Rick Rivera and Mark Elliott discuss the importance of having a well-structured retirement plan amidst market volatility. They emphasize leveraging market downturns to the clients' advantage while ensuring that retirement plans do not solely rely on market performance. Rick underlines the significance of strategic planning and regular portfolio rebalancing to optimize retirement savings. The episode also explores various income structuring strategies, including the timing of Social Security benefits and the potential benefits of Roth conversions to manage tax efficiency and healthcare costs. Additionally, Rick addresses common concerns of retirees, such as managing Social Security in retirement, which can significantly impact long-term financial stability. The show highlights real-life client scenarios, providing insights on how to make informed decisions regarding retirement benefits, tax planning, and addressing unexpected financial challenges. The Safeguard Investment Advisory Group offers complimentary consultations to help individuals tailor retirement strategies to their unique situations.]]></itunes:summary><itunes:duration>1388</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 155:  Understanding the Importance of Retirement Planning</title><link>https://www.spreaker.com/episode/episode-155-understanding-the-importance-of-retirement-planning--70833801</link><description><![CDATA[In this episode of "The Big Picture Retirement Show," Rick Rivera, emphasizes the importance of understanding where you stand on your retirement journey and provides listeners with crucial insights into how to ensure their money will last through retirement. Rick explains the process involved when individuals reach out to Safeguard Investment Advisory Group, stressing that there is no cost or obligation associated with the initial consultation. This session can offer valuable clarity for those uncertain about their retirement readiness. Furthermore, Rick highlights the emotional components tied to retirement planning, sharing anecdotes from past financial crises and personal experiences of procrastination and stress. The conversation touches on the comprehensive approach of Safeguard Investment Advisory Group, which includes covering five key pillars: income, investment, taxes, healthcare, and legacy planning. The ultimate goal is to educate and empower individuals to make informed decisions tailored to their unique financial situations, whether they decide to work with Safeguard or continue managing their finances.]]></description><guid isPermaLink="false">9a656568-c9c3-47b4-a3a6-92441bb54759</guid><pubDate>Mon, 21 Apr 2025 15:00:00 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/70833801/big_picture_radio_show_112_4_19_25_podcast.mp3" length="45323533" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:subtitle>In this episode of "The Big Picture Retirement Show," Rick Rivera, emphasizes the importance of understanding where you stand on your retirement journey and provides listeners with crucial insights into how to ensure their money will last through...</itunes:subtitle><itunes:summary><![CDATA[In this episode of "The Big Picture Retirement Show," Rick Rivera, emphasizes the importance of understanding where you stand on your retirement journey and provides listeners with crucial insights into how to ensure their money will last through retirement. Rick explains the process involved when individuals reach out to Safeguard Investment Advisory Group, stressing that there is no cost or obligation associated with the initial consultation. This session can offer valuable clarity for those uncertain about their retirement readiness. Furthermore, Rick highlights the emotional components tied to retirement planning, sharing anecdotes from past financial crises and personal experiences of procrastination and stress. The conversation touches on the comprehensive approach of Safeguard Investment Advisory Group, which includes covering five key pillars: income, investment, taxes, healthcare, and legacy planning. The ultimate goal is to educate and empower individuals to make informed decisions tailored to their unique financial situations, whether they decide to work with Safeguard or continue managing their finances.]]></itunes:summary><itunes:duration>1411</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 154: The Wealth Paradox: Spending in Retirement feat. Eddie Sota</title><link>https://www.spreaker.com/episode/episode-154-the-wealth-paradox-spending-in-retirement-feat-eddie-sota--70833775</link><description><![CDATA[In this episode of "The Big Picture Retirement Show," hosts Rick Rivera and Eddie Sota from Safeguard Investment Advisory Group delve into the paradox of the wealthy not spending their money in retirement. With insights and guidance from their extensive experience in the financial industry, they discuss why many affluent retirees tend to save rather than spend their accumulated wealth. The discussion covers various topics such as income strategy, investment risk, tax planning, healthcare, long-term care, and legacy planning. The hosts emphasize the importance of having a comprehensive retirement plan to ensure peace of mind and financial security. The show highlights the importance of personalized financial planning and the value of seeking professional advice. Rick and Eddie share anecdotes from their client experiences, illustrating how retirement success is more about tailored strategies that fit individual lifestyles rather than a one-size-fits-all approach. They stress the benefits of getting a second opinion on retirement plans to optimize taxes, investments, and overall financial efficiency. Listeners are encouraged to call and set up a no-cost consultation to ensure their retirement strategies are robust and capable of withstanding market volatility and unexpected expenses. ]]></description><guid isPermaLink="false">74725211-461a-4453-81e8-7414cd4b6d8e</guid><pubDate>Mon, 14 Apr 2025 15:53:00 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/70833775/big_picture_radio_show_111_4_12_25_podcast.mp3" length="44096750" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:subtitle>In this episode of "The Big Picture Retirement Show," hosts Rick Rivera and Eddie Sota from Safeguard Investment Advisory Group delve into the paradox of the wealthy not spending their money in retirement. With insights and guidance from their...</itunes:subtitle><itunes:summary><![CDATA[In this episode of "The Big Picture Retirement Show," hosts Rick Rivera and Eddie Sota from Safeguard Investment Advisory Group delve into the paradox of the wealthy not spending their money in retirement. With insights and guidance from their extensive experience in the financial industry, they discuss why many affluent retirees tend to save rather than spend their accumulated wealth. The discussion covers various topics such as income strategy, investment risk, tax planning, healthcare, long-term care, and legacy planning. The hosts emphasize the importance of having a comprehensive retirement plan to ensure peace of mind and financial security. The show highlights the importance of personalized financial planning and the value of seeking professional advice. Rick and Eddie share anecdotes from their client experiences, illustrating how retirement success is more about tailored strategies that fit individual lifestyles rather than a one-size-fits-all approach. They stress the benefits of getting a second opinion on retirement plans to optimize taxes, investments, and overall financial efficiency. Listeners are encouraged to call and set up a no-cost consultation to ensure their retirement strategies are robust and capable of withstanding market volatility and unexpected expenses. ]]></itunes:summary><itunes:duration>1372</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 153: Understanding the Importance of Rebalancing Your Portfolio</title><link>https://www.spreaker.com/episode/episode-153-understanding-the-importance-of-rebalancing-your-portfolio--70833758</link><description><![CDATA[In this episode of "The Big Picture Retirement Show," host Rick Rivera discuss the complexities and importance of rebalancing investment portfolios. Rick, a partner at Safeguard Investment Advisory Group, breaks down the concept of rebalancing to ensure that one's investments align with their risk tolerance and financial goals. He explains how market fluctuations can cause the allocation of assets to deviate from the intended strategy, potentially increasing risk. By rebalancing, investors can maintain their desired risk level and secure gains by adjusting their portfolios regularly, either quarterly or as market conditions demand. Additionally, Rick emphasizes the significance of tax considerations in rebalancing. Different tax treatments for qualified (retirement) and non-qualified (regular) accounts necessitate strategic approaches to minimize tax liabilities while making adjustments. The duo discusses how taxes can affect the overall returns from investments and why it's essential to engage professionals who can manage these aspects proficiently.]]></description><guid isPermaLink="false">07c67e9b-b927-4b22-8b8f-9b0541972554</guid><pubDate>Mon, 07 Apr 2025 15:00:00 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/70833758/big_picture_radio_show_110_4_5_25_podcast.mp3" length="44379508" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:subtitle>In this episode of "The Big Picture Retirement Show," host Rick Rivera discuss the complexities and importance of rebalancing investment portfolios. Rick, a partner at Safeguard Investment Advisory Group, breaks down the concept of rebalancing to...</itunes:subtitle><itunes:summary><![CDATA[In this episode of "The Big Picture Retirement Show," host Rick Rivera discuss the complexities and importance of rebalancing investment portfolios. Rick, a partner at Safeguard Investment Advisory Group, breaks down the concept of rebalancing to ensure that one's investments align with their risk tolerance and financial goals. He explains how market fluctuations can cause the allocation of assets to deviate from the intended strategy, potentially increasing risk. By rebalancing, investors can maintain their desired risk level and secure gains by adjusting their portfolios regularly, either quarterly or as market conditions demand. Additionally, Rick emphasizes the significance of tax considerations in rebalancing. Different tax treatments for qualified (retirement) and non-qualified (regular) accounts necessitate strategic approaches to minimize tax liabilities while making adjustments. The duo discusses how taxes can affect the overall returns from investments and why it's essential to engage professionals who can manage these aspects proficiently.]]></itunes:summary><itunes:duration>1381</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 152: Navigating Wills, Trusts, and Estate Planning</title><link>https://www.spreaker.com/episode/episode-152-navigating-wills-trusts-and-estate-planning--70833767</link><description><![CDATA[In this episode of "The Big Picture Retirement Show," host Rick Rivera, along with co-host Mark Elliott, delves into the foundational aspects of estate planning. They cover the critical differences between wills and trusts, emphasizing the importance of having a plan for transferring wealth to the next generation. Rick explains how having a documented estate plan can help in specifying who gets what and avoiding potential complications like probate. The discussion also touches upon the necessity of powers of attorney for financial and healthcare decisions, ensuring that family members can manage affairs during incapacitating circumstances. The episode further explores the practicalities and strategies for leaving assets in a tax-efficient manner, especially useful for children with special needs or those who may not be financially savvy. Rick introduces the "survivor's guide," a comprehensive document created to help clients' families manage estate settlement smoothly. The conversation wraps up by addressing the significance of discussing estate plans with family members, even though it's a topic often avoided, to ensure everyone is on the same page. This episode is packed with valuable insights for anyone looking to secure their legacy and provide clear instructions for their loved ones upon their passing.]]></description><guid isPermaLink="false">510837d7-8219-4914-99af-f3284deef444</guid><pubDate>Mon, 31 Mar 2025 18:40:00 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/70833767/big_picture_radio_show_108_3_22_25_podcast.mp3" length="45320616" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:subtitle>In this episode of "The Big Picture Retirement Show," host Rick Rivera, along with co-host Mark Elliott, delves into the foundational aspects of estate planning. They cover the critical differences between wills and trusts, emphasizing the importance...</itunes:subtitle><itunes:summary><![CDATA[In this episode of "The Big Picture Retirement Show," host Rick Rivera, along with co-host Mark Elliott, delves into the foundational aspects of estate planning. They cover the critical differences between wills and trusts, emphasizing the importance of having a plan for transferring wealth to the next generation. Rick explains how having a documented estate plan can help in specifying who gets what and avoiding potential complications like probate. The discussion also touches upon the necessity of powers of attorney for financial and healthcare decisions, ensuring that family members can manage affairs during incapacitating circumstances. The episode further explores the practicalities and strategies for leaving assets in a tax-efficient manner, especially useful for children with special needs or those who may not be financially savvy. Rick introduces the "survivor's guide," a comprehensive document created to help clients' families manage estate settlement smoothly. The conversation wraps up by addressing the significance of discussing estate plans with family members, even though it's a topic often avoided, to ensure everyone is on the same page. This episode is packed with valuable insights for anyone looking to secure their legacy and provide clear instructions for their loved ones upon their passing.]]></itunes:summary><itunes:duration>1411</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 151: Navigating Market Volatility in Retirement</title><link>https://www.spreaker.com/episode/episode-151-navigating-market-volatility-in-retirement--70833748</link><description><![CDATA[In this episode of "The Big Picture Retirement Show," hosted by Rick Rivera from Safeguard Investment Advisory Group, the focus is on managing market volatility during retirement. The discussion emphasizes the importance of having a well-structured retirement plan that can endure market fluctuations. Rick Rivera explains the five key pillars of a comprehensive retirement plan: income, investment, taxes, healthcare, and legacy planning. He highlights the importance of strategies such as Roth conversions during market downturns and the necessity of having different buckets of money allocated for growth, income, and emergencies. By maintaining a diversified approach, retirees can ensure their income remains stable regardless of market conditions, allowing them to avoid the psychological stress and financial damage associated with market downturns. The episode also provides insight into historical market trends, with Rick recounting instances like the Great Depression and the 2008 financial crisis to illustrate the market's resilience over time. He reminds listeners that understanding their retirement strategy is crucial for making informed decisions and maintaining peace of mind. The importance of long-term investment rather than attempting to time the market is reiterated, along with the benefits of securing income through structured investment portfolios.]]></description><guid isPermaLink="false">ff7e782d-a595-499f-8e14-73c11a2227e6</guid><pubDate>Mon, 24 Mar 2025 15:00:00 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/70833748/big_picture_radio_show_109_3_29_25_podcast.mp3" length="44850476" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:subtitle>In this episode of "The Big Picture Retirement Show," hosted by Rick Rivera from Safeguard Investment Advisory Group, the focus is on managing market volatility during retirement. The discussion emphasizes the importance of having a well-structured...</itunes:subtitle><itunes:summary><![CDATA[In this episode of "The Big Picture Retirement Show," hosted by Rick Rivera from Safeguard Investment Advisory Group, the focus is on managing market volatility during retirement. The discussion emphasizes the importance of having a well-structured retirement plan that can endure market fluctuations. Rick Rivera explains the five key pillars of a comprehensive retirement plan: income, investment, taxes, healthcare, and legacy planning. He highlights the importance of strategies such as Roth conversions during market downturns and the necessity of having different buckets of money allocated for growth, income, and emergencies. By maintaining a diversified approach, retirees can ensure their income remains stable regardless of market conditions, allowing them to avoid the psychological stress and financial damage associated with market downturns. The episode also provides insight into historical market trends, with Rick recounting instances like the Great Depression and the 2008 financial crisis to illustrate the market's resilience over time. He reminds listeners that understanding their retirement strategy is crucial for making informed decisions and maintaining peace of mind. The importance of long-term investment rather than attempting to time the market is reiterated, along with the benefits of securing income through structured investment portfolios.]]></itunes:summary><itunes:duration>1396</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 150: Strategies for Long-Term Financial Security</title><link>https://www.spreaker.com/episode/episode-150-strategies-for-long-term-financial-security--70833807</link><description><![CDATA[In this episode of "The Big Picture Retirement Show," hosts Rick Rivera and Eddie Sota from Safeguard Investment Advisory Group delve into the critical aspects of retirement planning. The discussion focuses on various essential topics such as maximizing social security benefits, handling market volatility, and planning for healthcare and long-term care expenses. Rick and Eddie emphasize the importance of having a comprehensive retirement plan that goes beyond just saving a specific dollar amount. They highlight how understanding one's monthly income needs and preparing for unexpected costs, like medical emergencies, are crucial for long-term financial security. Additionally, the hosts address common fears among retirees, such as outliving their savings. By sharing insights and strategies, they aim to provide clarity and direction for those in or approaching retirement. Throughout the episode, Rick and Eddie encourage listeners to evaluate their current financial plans and consider seeking professional advice to ensure they are well-prepared for the future. They highlight the value of detailed retirement income analysis, inflation considerations, and the necessity of an adaptable and informed approach to retirement planning.]]></description><guid isPermaLink="false">7041eb81-e7ee-4168-8e54-4afd4ba6b78e</guid><pubDate>Mon, 17 Mar 2025 15:00:00 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/70833807/big_picture_radio_show_107_3_15_25_podcast.mp3" length="44520170" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:subtitle>In this episode of "The Big Picture Retirement Show," hosts Rick Rivera and Eddie Sota from Safeguard Investment Advisory Group delve into the critical aspects of retirement planning. The discussion focuses on various essential topics such as...</itunes:subtitle><itunes:summary><![CDATA[In this episode of "The Big Picture Retirement Show," hosts Rick Rivera and Eddie Sota from Safeguard Investment Advisory Group delve into the critical aspects of retirement planning. The discussion focuses on various essential topics such as maximizing social security benefits, handling market volatility, and planning for healthcare and long-term care expenses. Rick and Eddie emphasize the importance of having a comprehensive retirement plan that goes beyond just saving a specific dollar amount. They highlight how understanding one's monthly income needs and preparing for unexpected costs, like medical emergencies, are crucial for long-term financial security. Additionally, the hosts address common fears among retirees, such as outliving their savings. By sharing insights and strategies, they aim to provide clarity and direction for those in or approaching retirement. Throughout the episode, Rick and Eddie encourage listeners to evaluate their current financial plans and consider seeking professional advice to ensure they are well-prepared for the future. They highlight the value of detailed retirement income analysis, inflation considerations, and the necessity of an adaptable and informed approach to retirement planning.]]></itunes:summary><itunes:duration>1386</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 149: Eliminate Retirement Uncertainty</title><link>https://www.spreaker.com/episode/episode-149-eliminate-retirement-uncertainty--70833751</link><description><![CDATA[In this episode of The Big Picture Retirement Show, host Rick Rivera from Safeguard Investment Advisory Group discuss the importance of having a clear and effective retirement plan. Rick emphasizes the value of a pressure-free environment where clients can receive specific, tailored advice without the fear of high-pressure sales tactics. By offering free consultations and workshops, Safeguard Investment Advisory Group aims to help individuals gain the clarity and knowledge required to make informed decisions about their retirement, all while ensuring that the consultation process remains comfortable and beneficial.   The show also highlights various strategies for mitigating taxes and managing investments efficiently. Rick shares real-life examples of how second opinions can uncover hidden inefficiencies and potentially save clients substantial amounts in fees and taxes. The episode serves as an open invitation for listeners to seek professional advice, regardless of their current financial standing, and reassures them that a better retirement plan is within their reach by simply making one important phone call.]]></description><guid isPermaLink="false">1429517d-e47d-4f45-8409-f448e15672f5</guid><pubDate>Mon, 10 Mar 2025 16:00:00 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/70833751/big_picture_radio_show_106_3_8_25_podcast.mp3" length="45375648" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:subtitle>In this episode of The Big Picture Retirement Show, host Rick Rivera from Safeguard Investment Advisory Group discuss the importance of having a clear and effective retirement plan. Rick emphasizes the value of a pressure-free environment where...</itunes:subtitle><itunes:summary><![CDATA[In this episode of The Big Picture Retirement Show, host Rick Rivera from Safeguard Investment Advisory Group discuss the importance of having a clear and effective retirement plan. Rick emphasizes the value of a pressure-free environment where clients can receive specific, tailored advice without the fear of high-pressure sales tactics. By offering free consultations and workshops, Safeguard Investment Advisory Group aims to help individuals gain the clarity and knowledge required to make informed decisions about their retirement, all while ensuring that the consultation process remains comfortable and beneficial.   The show also highlights various strategies for mitigating taxes and managing investments efficiently. Rick shares real-life examples of how second opinions can uncover hidden inefficiencies and potentially save clients substantial amounts in fees and taxes. The episode serves as an open invitation for listeners to seek professional advice, regardless of their current financial standing, and reassures them that a better retirement plan is within their reach by simply making one important phone call.]]></itunes:summary><itunes:duration>1412</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 148: Strategies for Inflation, Market Volatility, and Social Security</title><link>https://www.spreaker.com/episode/episode-148-strategies-for-inflation-market-volatility-and-social-security--70833752</link><description><![CDATA[In this episode of The Big Picture Retirement Show, host Rick Rivera discusses various strategies to navigate the complexities of retirement planning. The show addresses pressing concerns such as managing inflation, understanding market volatility, and optimizing Social Security benefits. Rick emphasizes the importance of personalized financial planning, whether it involves using growth money, safe investments, or a mix of strategies tailored to individual risk tolerance and income needs. This approach ensures that retirees can maintain their standard of living and achieve financial stability despite economic fluctuations. Additionally, the episode delves into the implications of the Social Security Fairness Act signed by President Joe Biden. This legislation impacts Californians by eliminating penalties from the Windfall Elimination Provision and Government Pension Offset, which allows certain retirees to receive their entitled Social Security benefits without reductions. Rick encourages callers to seek specific advice on how these changes, along with other retirement strategies, could benefit their unique situations.]]></description><guid isPermaLink="false">5da59e51-9d62-432e-9b7e-c5b06c003350</guid><pubDate>Mon, 03 Mar 2025 16:00:00 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/70833752/big_picture_radio_show_105_3_1_25_podcast.mp3" length="45416122" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:subtitle>In this episode of The Big Picture Retirement Show, host Rick Rivera discusses various strategies to navigate the complexities of retirement planning. The show addresses pressing concerns such as managing inflation, understanding market volatility,...</itunes:subtitle><itunes:summary><![CDATA[In this episode of The Big Picture Retirement Show, host Rick Rivera discusses various strategies to navigate the complexities of retirement planning. The show addresses pressing concerns such as managing inflation, understanding market volatility, and optimizing Social Security benefits. Rick emphasizes the importance of personalized financial planning, whether it involves using growth money, safe investments, or a mix of strategies tailored to individual risk tolerance and income needs. This approach ensures that retirees can maintain their standard of living and achieve financial stability despite economic fluctuations. Additionally, the episode delves into the implications of the Social Security Fairness Act signed by President Joe Biden. This legislation impacts Californians by eliminating penalties from the Windfall Elimination Provision and Government Pension Offset, which allows certain retirees to receive their entitled Social Security benefits without reductions. Rick encourages callers to seek specific advice on how these changes, along with other retirement strategies, could benefit their unique situations.]]></itunes:summary><itunes:duration>1414</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 147: Preserving and optimizing your 401k</title><link>https://www.spreaker.com/episode/episode-147-preserving-and-optimizing-your-401k--70833828</link><guid isPermaLink="false">b0a15907-8975-4cbc-901c-14079e858a06</guid><pubDate>Mon, 24 Feb 2025 16:00:00 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/70833828/big_picture_radio_show_104_2_22_25_podcast.mp3" length="45638826" type="audio/mpeg"/><itunes:author>Reid 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href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 97: Retirement Dreams v. 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Listen as host Rick Rivera and Joseph discuss estate planning and different things to consider and be aware of. From living trusts and beneficiary planning to things to consider based on your scenario, this is an interview you won't want to miss! Disclaimer: The information and comments provided by Mr. Hudack should not be construed as formal legal advice nor create an attorney-client relationship between you and Mr.Hudack or Hudack Law, APC. <br /> 📩 SIGN-UP FOR REID'S WEEKLY READS: Every Friday, receive four hand-picked articles on financial related topics along with Managing Partner Reid Abedeen's take on these articles delivered straight to your inbox! Click <a href="https://safeguardinvestment.activehosted.com/social/02522a2b2726fb0a03bb19f2d8d9524d.125" target="_blank" rel="noreferrer noopener">here</a> to see a sample of what you'll be receiving.  Interested in receiving more timely financial insights? <a href="https://safeguardinvestment.activehosted.com/f/15" target="_blank" rel="noreferrer noopener">Sign up to be a part of our list</a> where we send valuable financial content like market updates, timely news, educational videos, and more! SCHEDULE A COMPLIMENTARY 15-MINUTE STRATEGY CALL: Have you gotten a second opinion on your retirement strategy? Scheudle a 15-minute strategy call with one of our advisors to see if you may be missing anything in your strategy! https://calendly.com/safeguardinvestment/15min?back=1&amp;month=2022-05 MEET YOUR HOST: Rick Rivera is a partner at Safeguard Investment Advisory Group, LLC, with over 20 years of experience in the financial industry, providing guidance to those planning for retirement. He is an Investment Advisor Representative holding a Series 65 license and life-only and accident and health licenses in California (#0B51891). This allows him to provide a wide variety of retirement and estate planning strategies. Rick holds a bachelor's degree with a concentration in marketing along with an MBA from the University of Phoenix. Rick also holds a certification from the College for Financial Planning, which consists of the following courses: <ul> <li>Financial planning process and insurance</li> <li>Investment planning</li> <li>Retirement planning and employee benefits</li> <li>Estate planning</li> </ul> When Rick is not working, he enjoys scuba diving, fishing, and, most of all, traveling in his airstream with his wife, Shawna. Rick is registered as an Investment Advisor Representative with the U.S. Securities and Exchange Commission (SEC).  ABOUT SAFEGUARD INVESTMENT ADVISORY GROUP: We are a team dedicated to creating amazing retirements for the families we serve through a disciplined approach rooted in education, integrity, and earned trust. At our Big Picture Meeting, we aim to understand who you are, where you come from, and what your dreams are for retirement. To get you where you want to go, it's important to understand where you're currently at. We look at retirement from a holistic standpoint. We are not a one-size-fits-all firm and believe it's crucial to have a plan specifically designed for you and your unique situation. Learn more about our process here: <a href="https://safeguardinvestment.com/financial-services/" target="_blank" rel="noreferrer noopener">https://safeguardinvestment.com/financial-services/</a> Disclosure: This content is provided for informational purposes only and is not intended to serve as the basis for financial decisions. All investments are subject to risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. The information and opinions contained herein that have been obtained from third-party sources are believed to be reliable. Accuracy and completeness cannot be guaranteed. Investment Advisors, Reid Abedeen, Rick Rivera, Edward Sota, Andy Anable, Chris Miller, Dan Carter, David Hart and James Murray are also licensed to offer insurance plans and products in the State of California under license numbers: #0C78700, #0B51891, #0C16747, #0G78226, #0F57413, #0C32681, #0D42046 and #0F77176  ]]></description><guid isPermaLink="false">64721862-9706-461f-bcdc-5586b62484db</guid><pubDate>Wed, 31 Jan 2024 16:28:00 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/70833843/the_big_picture_retirement_show_episode_1.mp3" length="30147580" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:subtitle>
In today's episode, we're joined by Estate Planning Attorney, Joseph Hudack, from https://www.hudacklaw.com/. Listen as host Rick Rivera and Joseph discuss estate planning and different things to consider and be aware of. From living trusts and...</itunes:subtitle><itunes:summary><![CDATA[<br />In today's episode, we're joined by Estate Planning Attorney, Joseph Hudack, from <a href="https://www.hudacklaw.com/" target="_blank" rel="noreferrer noopener">Hudack Law, APC</a>. Listen as host Rick Rivera and Joseph discuss estate planning and different things to consider and be aware of. From living trusts and beneficiary planning to things to consider based on your scenario, this is an interview you won't want to miss! Disclaimer: The information and comments provided by Mr. Hudack should not be construed as formal legal advice nor create an attorney-client relationship between you and Mr.Hudack or Hudack Law, APC. <br /> 📩 SIGN-UP FOR REID'S WEEKLY READS: Every Friday, receive four hand-picked articles on financial related topics along with Managing Partner Reid Abedeen's take on these articles delivered straight to your inbox! Click <a href="https://safeguardinvestment.activehosted.com/social/02522a2b2726fb0a03bb19f2d8d9524d.125" target="_blank" rel="noreferrer noopener">here</a> to see a sample of what you'll be receiving.  Interested in receiving more timely financial insights? <a href="https://safeguardinvestment.activehosted.com/f/15" target="_blank" rel="noreferrer noopener">Sign up to be a part of our list</a> where we send valuable financial content like market updates, timely news, educational videos, and more! SCHEDULE A COMPLIMENTARY 15-MINUTE STRATEGY CALL: Have you gotten a second opinion on your retirement strategy? Scheudle a 15-minute strategy call with one of our advisors to see if you may be missing anything in your strategy! https://calendly.com/safeguardinvestment/15min?back=1&amp;month=2022-05 MEET YOUR HOST: Rick Rivera is a partner at Safeguard Investment Advisory Group, LLC, with over 20 years of experience in the financial industry, providing guidance to those planning for retirement. He is an Investment Advisor Representative holding a Series 65 license and life-only and accident and health licenses in California (#0B51891). This allows him to provide a wide variety of retirement and estate planning strategies. Rick holds a bachelor's degree with a concentration in marketing along with an MBA from the University of Phoenix. Rick also holds a certification from the College for Financial Planning, which consists of the following courses: <ul> <li>Financial planning process and insurance</li> <li>Investment planning</li> <li>Retirement planning and employee benefits</li> <li>Estate planning</li> </ul> When Rick is not working, he enjoys scuba diving, fishing, and, most of all, traveling in his airstream with his wife, Shawna. Rick is registered as an Investment Advisor Representative with the U.S. Securities and Exchange Commission (SEC).  ABOUT SAFEGUARD INVESTMENT ADVISORY GROUP: We are a team dedicated to creating amazing retirements for the families we serve through a disciplined approach rooted in education, integrity, and earned trust. At our Big Picture Meeting, we aim to understand who you are, where you come from, and what your dreams are for retirement. To get you where you want to go, it's important to understand where you're currently at. We look at retirement from a holistic standpoint. We are not a one-size-fits-all firm and believe it's crucial to have a plan specifically designed for you and your unique situation. Learn more about our process here: <a href="https://safeguardinvestment.com/financial-services/" target="_blank" rel="noreferrer noopener">https://safeguardinvestment.com/financial-services/</a> Disclosure: This content is provided for informational purposes only and is not intended to serve as the basis for financial decisions. All investments are subject to risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. The information and opinions contained herein that have been obtained from third-party sources are believed to be reliable. Accuracy and completeness cannot...]]></itunes:summary><itunes:duration>1885</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/c3ababc98587483f04e0441f0a7f78ad.jpg"/><itunes:episodeType>bonus</itunes:episodeType></item><item><title>Episode 91: 2024 Retirement Forecast</title><link>https://www.spreaker.com/episode/episode-91-2024-retirement-forecast--70833812</link><guid isPermaLink="false">e802561f-30f2-403f-928e-40058e457375</guid><pubDate>Mon, 22 Jan 2024 14:34:00 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/70833812/big_picture_radio_show_47_1_20_24_podcast.mp3" length="44210707" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:duration>1377</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 90: Boomers Up to Bat, Gen X On Deck</title><link>https://www.spreaker.com/episode/episode-90-boomers-up-to-bat-gen-x-on-deck--70833889</link><guid isPermaLink="false">67f2a67b-41b5-4c5b-a809-f6553af536c5</guid><pubDate>Tue, 16 Jan 2024 17:14:00 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/70833889/big_picture_radio_show_46_1_13_24_podcast.mp3" length="43590298" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:duration>1357</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 89: Risks in 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Abedeen</itunes:author><itunes:duration>1391</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 86: Mailbag!</title><link>https://www.spreaker.com/episode/episode-86-mailbag--70833809</link><guid isPermaLink="false">5527afcd-8c3d-48e0-bb6f-06e0766d8ebe</guid><pubDate>Mon, 18 Dec 2023 15:40:00 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/70833809/big_picture_radio_show_42_12_16_23.mp3" length="36243432" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:duration>1504</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 85: Top Financial News of 2023</title><link>https://www.spreaker.com/episode/episode-85-top-financial-news-of-2023--70833815</link><guid isPermaLink="false">e6a6e9a6-974b-4eed-90b4-a9b5eccff353</guid><pubDate>Mon, 11 Dec 2023 14:00:00 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/70833815/big_picture_radio_show_41_12_9_23_podcast.mp3" length="33833203" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:duration>1403</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 84: Mailbag!</title><link>https://www.spreaker.com/episode/episode-84-mailbag--70833826</link><guid isPermaLink="false">fc5da9bb-b389-40bf-96cd-3c5e13428e2b</guid><pubDate>Mon, 04 Dec 2023 15:34:00 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/70833826/big_picture_radio_show_40_12_2_23_podcast.mp3" length="44736432" type="audio/mpeg"/><itunes:author>Reid Abedeen</itunes:author><itunes:duration>1393</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/bfe87c564cda2530312f43f75fa13c93.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 83: Timeless Advice</title><link>https://www.spreaker.com/episode/episode-83-timeless-advice--70833814</link><guid isPermaLink="false">e9c34b3f-d32e-4f0a-be9f-d35b3cf68d4e</guid><pubDate>Mon, 27 Nov 2023 15:52:00 +0000</pubDate><enclosure 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