The Safe Money Retirement Show

What if the documents you don’t have are the ones that could derail your entire retirement? In this episode, Tim Wood breaks down the often‑overlooked essentials of estate planning—from durable powers of attorney and healthcare surrogates to digital access and end‑of‑life wishes. He also shares how to replace your paycheck in retirement, create a stable income floor, and know whether you're truly ready to retire as millions of boomers hit age 65. Plus, Tim reveals a real‑life story of guiding a couple who thought they were unprepared but discovered a clear path forward.Join Certi...

What if the “million‑dollar rule” is distracting you from what really matters in retirement? In this episode, Tim Wood and special guest Melissa Wood unpack why only 3% of Americans hit that number—and why the other 97% can still build a solid retirement with the right strategy. Tim explains how to protect what you’ve saved, prepare for the market bubble that’s coming sooner or later, and decide how much risk is truly appropriate. You’ll also hear how part‑time retirement, budgeting, and guaranteed income tools can reshape your future, no matter your starting point.Join Certified F...

A market bubble can burst without warning—are you sure your retirement plan is ready? In this episode, Tim Wood explains why understanding your true risk, managing debt, and having a personalized strategy are essential for protecting your future. Hear how couples with different risk tolerances can find peace of mind, why emotional decisions matter as much as financial ones, and how family conversations about money can prevent confusion and stress. Discover practical steps for simplifying accounts, preparing for market downturns, and building a plan that fits your unique needs.Join Certified Financial Fiduciary®, Retirement Income Certified Pro...

A new year brings new opportunities—and new risks—for your retirement plan. In this episode, Tim Wood shares why it’s crucial to update outdated strategies, understand your true risk, and build income that lasts as long as you do. Learn how couples can avoid confusion by sharing financial details, why emotional decisions matter as much as numbers, and how to create paychecks and playchecks for a secure future. Discover practical steps for simplifying accounts, preparing for market surprises, and making sure your plan adapts to whatever life brings.Join Certified Financial Fiduciary®, Retirement Income Certified Profess...

Time flies, and so do the old rules of retirement—so how do you prepare for a future that’s anything but predictable? In this episode, Tim Wood explores why flexibility is essential for today’s retirees, how to build a plan that adapts when life changes, and why “rules of thumb” like the 4% withdrawal rate or retiring at 65 may no longer apply. Plus, hear highlights from a heartfelt conversation with country superstar Trisha Yearwood, including her favorite holiday traditions and the power of family memories. Discover how to protect your nest egg and your peace of mind.Join Cer...

A backstage conversation with country superstar Trisha Yearwood brings holiday magic and heartfelt stories to this special episode, as Tim Wood and Melissa share highlights from a Nashville concert, favorite Christmas traditions, and the secret to Trisha’s legendary biscuits. Listeners get an inside look at her new Christmas album, the power of music and memories, and why connecting with fans means so much. The episode also explores how to step off the market roller coaster, simplify your retirement plan, and build lasting financial security for the years ahead.Join Certified Financial Fiduciary®, Retirement Income Certified Professional®, and...

Country music superstar Trisha Yearwood brings holiday magic and heartfelt stories to this special episode, sharing behind-the-scenes moments from her new Christmas album and her symphony tour. Host Tim Wood and his wife Melissa dive into favorite songs, family traditions, and the unforgettable experience of tasting Trisha’s famous biscuits. From Nashville concerts to Disney memories, listeners get a glimpse of Trisha’s down-to-earth personality and the joy she finds in connecting with fans. Discover why her music and holiday spirit resonate so deeply—and why her upcoming tour is a must-see event. To purchas...

Year-end deadlines aren’t just for holiday shopping—they’re critical for your retirement plan too. In this episode, Tim Wood highlights the financial moves you need to make before December 31st, from RMDs and Roth conversions to charitable giving and maxing out contributions. Hear a real-life story about navigating complex accounts during a family crisis, and learn why understanding taxes, Social Security, and RMDs is essential for long-term security. Tim also explains why retirement planning isn’t a DIY project and how a personalized approach can help you avoid costly mistakes and build lasting peace of mind.Join C...

What if your retirement plan is stuck on autopilot while the world—and your options—have changed? In this episode, Tim Wood explains why regular reviews and independent advice are essential for navigating market turbulence, inflation, taxes, and unexpected windfalls. Discover how to break out of “set it and forget it” mode, update your strategy for today’s rates and risks, and prepare for the unknowns that can derail your future. Learn how to turn old CDs, sudden settlements, and even haunted hotel stories into opportunities for a safer, more flexible retirement.Join Certified Financial Fiduciary®, Retirement Income Cert...

What if the biggest risk to your retirement isn’t the market, but failing to make a plan for taxes, income, and the unexpected? This episode dives into why RMDs aren’t a DIY project, how to avoid tax surprises, and the importance of sorting your “must haves” from your “nice to haves.” Tim Wood shares real stories and practical strategies for building a retirement that covers your needs, supports your wants, and adapts to curveballs—so you can enjoy life with confidence, not just hope.Join Certified Financial Fiduciary®, Retirement Income Certified Professional®, and bestselling author Tim Wood each we...

What if the biggest threat to your retirement isn’t the market, but the timing of your withdrawals and the legacy you leave behind? In this episode, Tim Wood reveals how sequence of returns risk can derail your plans, why smart inheritance strategies matter, and what you need to know about upcoming Medicare changes. Learn how to protect your nest egg in the “retirement danger zone,” avoid burdening your heirs, and make confident decisions for your future—no matter what surprises come your way.Join Certified Financial Fiduciary®, Retirement Income Certified Professional®, and bestselling author Tim Wood each week...

What if the real danger to your retirement isn’t market swings, but the silent threats of inflation, stagflation, and common planning mistakes? This episode explores how economic uncertainty can erode your nest egg, why having “enough” is more than just a number, and how relying solely on RMDs could leave you exposed. Tim Wood shares stories and strategies for building a resilient retirement plan—balancing guaranteed income, growth, and enjoying life along the way.Join Certified Financial Fiduciary®, Retirement Income Certified Professional®, and bestselling author Tim Wood each week to discuss protecting your retirement dollars, guaranteeing your lifet...

Is your retirement plan stuck in the past—like dial-up internet or outdated investments? This episode of the Safe Money Retirement Show with Tim Wood uncovers surprising old habits that still trip up retirees, from lost 401(k)s and excessive fees to neglected beneficiary forms. Learn why couples must get on the same page, how to design income streams that last 20, 30, or even 40 years, and why regular plan reviews are essential as rates and rules change. Discover how to future-proof your finances and ensure your legacy is secure.Join Certified Financial Fiduciary®, Retirement Income Certified Professional®, and best...

Is your retirement plan protected against market crashes, inflation, and costly mistakes—or are you risking a last-minute fumble? This episode of the Safe Money Retirement Show with Tim Wood reveals how to reduce risk without sacrificing growth, why income planning matters most, and how estate planning isn’t about a magic number but about your unique needs. Learn how to safeguard your future, avoid common errors, and ensure your legacy is secure with up-to-date wills and beneficiary documents. Discover why having a personalized plan is the key to a confident retirement.Join Certified Financial Fiduciary®, Retirement Incom...

Is your retirement plan built to protect what matters most—or are you risking too much just to chase a magic number? This episode of the Safe Money Retirement Show with Tim Wood reveals why most retirees don’t need a million-dollar nest egg, but do need a personalized plan that balances growth, income, and protection. Learn how to cut unnecessary expenses, avoid going overboard with accounts and investments, and focus on the essentials: guaranteed income, debt management, and quality of life. Discover why “never lose money” is the rule that matters most in retirement.Join Certified Financia...

Is your retirement plan ready for the rollercoaster of spending volatility—or will unexpected expenses throw you off track? This episode of the Safe Money Retirement Show with Tim Wood explores why retirement spending often surges and dips, how healthcare and lifestyle choices can upend your budget, and why having both guaranteed income and flexible access to funds is essential. Learn how to avoid common mistakes when leaving a home to heirs, break free from the “one more year” trap, and build a plan that adapts to life’s surprises.Join Certified Financial Fiduciary®, Retirement Income Certified Professio...

What if the biggest threat to your retirement is failing to make a plan? Tim Wood shares lessons from sweepstakes winners, estate planning pitfalls, and market bubbles—revealing why a solid financial strategy is essential. Learn how to protect your nest egg, avoid common mistakes, and ensure your “stuff” goes where it should. Discover the importance of working with a certified fiduciary, updating beneficiaries, and adapting your plan as rules and markets change.Join Certified Financial Fiduciary®, Retirement Income Certified Professional®, and bestselling author Tim Wood each week to discuss protecting your retirement dollars, guaranteeing your lifetime income...

What if your retirement plan needs a tune-up to keep pace with changing rules and falling interest rates? Tim Wood shares why building a solid financial “floor” of guaranteed income is essential, how to balance spending and security, and why flexibility matters more than ever. Learn how outdated advice can trip you up, why revisiting your plan is crucial, and how to lock in growth before rates drop further. Discover the real impact of pensions, annuities, and the “happiness dividend” of reliable income.Join Certified Financial Fiduciary®, Retirement Income Certified Professional®, and bestselling author Tim Wood each week to di...

What if your retirement plan is only as strong as the financial foundation beneath it? Tim Wood explains how to build a solid “floor” for your nest egg, balance spending with long-term security, and avoid common annuity misconceptions. Learn why guaranteed income, emergency funds, and smart legacy planning matter—plus how to avoid both “overliving” and “underliving” your retirement. Discover strategies for passing on wealth tax-efficiently and why regular reviews keep your plan resilient.Join Certified Financial Fiduciary®, Retirement Income Certified Professional®, and bestselling author Tim Wood each week to discuss protecting your retirement dollars, guaranteeing your lifetime income...

What if the first five years of retirement are the most critical for your financial future? Tim Wood breaks down why a spending plan matters as much as an income plan, how “do nothing” or “do all” phases can impact your nest egg, and why annual reviews and flexibility are essential. Learn how side hustles, taxes, and Social Security interact, and discover lessons from the “stealthy wealthy” on privacy, multiple income streams, and tax efficiency.Join Certified Financial Fiduciary® and bestselling author Tim Wood each week to discuss protecting your retirement dollars, guaranteeing your lifetime income, wisely planning for...