Should you take less investment risk as you get closer to retirement? Or does retirement change which risks you should be paying attention to? Once your portfolio begins replacing your paycheck, market risk is only part of the picture. Withdrawals, taxes, inflation, longevity, Social Security, and the timing of market returns all begin to interact. In this video, I explore why retirement risk is less about simply becoming “more conservative” and more about coordinating your investments, retirement income, withdrawal strategy, and taxes. Because retirement doesn’t eliminate risk. It changes the scorecard. Sid Misra, Certified Financial Planner™ Beacon Financial Group #RetirementRisk #RetirementIncomePlanning #SequenceOfReturnsRisk #RetirementWithdrawalStrategy #RetirementTaxPlanning #RetirementPlanning #SocialSecurityPlanning #401k #IRA --- I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together Schedule an intro call with me: https://go.oncehub.com/SidMisra --- To learn more about me, please visit my website: https://www.sidmisra.net/ ---- Don't forget to subscribe to my channel: https://www.youtube.com/channel/UCZBF ---- I post a lot of educational content on LinkedIn that you won't want to miss out on Find me on LinkedIn: https://www.linkedin.com/in/sid-misra/ ---- Listen to the MPowered Finance Podcast: https://mpoweredfinance.buzzsprout.com/ Gautam Misra Beacon Financial Group

Are you a high earner wondering, "Am I actually on track for retirement?" Many successful professionals are saving consistently, maximizing their 401k, and building wealth, but still wonder if everything is working together. In this video, we discuss why retirement planning becomes more complex as income grows, why a 401k alone isn't a complete retirement strategy, and how taxes, investments, equity compensation, and savings decisions become increasingly interconnected. You will learn: - Why many high earners feel on track, until they don't - Why financial blind spots often exist between decisions - How coordinated financial planning creates greater confidence - The better question to ask about your financial future If you've ever asked yourself, "Am I actually on track?", this video is for you. Sid Misra, Certified Financial Planner™ Beacon Financial Group --- I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together Schedule an intro call with me: https://go.oncehub.com/SidMisra --- #money #wealth #investing #finance #moneymanagement #personalfinance #retirement #retirementplanning #income #socialsecurity #medicare #taxes #401k #IRA #RothIRA --- --- To learn more about me, please visit my website: https://www.sidmisra.net/ ---- Don't forget to subscribe to my channel: https://www.youtube.com/channel/UCZBF ---- I post a lot of educational content on LinkedIn that you won't want to miss out on Find me on LinkedIn: https://www.linkedin.com/in/sid-misra/ ---- Listen to the MPowered Finance Podcast: https://mpoweredfinance.buzzsprout.com/ Gautam Misra Beacon Financial Group

When should I claim Social Security? Before you make a decision, know that Timing is EVERYTHING! Sid Misra, Certified Financial Planner™ Beacon Financial Group #money #wealth #investing #finance #moneymanagement #personalfinance #retirement #retirementplanning #income #socialsecurity #medicare #taxes #401k #IRA #RothIRA --- I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together Schedule an intro call with me: https://go.oncehub.com/SidMisra --- To learn more about me, please visit my website: https://www.sidmisra.net/ ---- Don't forget to subscribe to my channel: https://www.youtube.com/channel/UCZBF ---- I post a lot of educational content on LinkedIn that you won't want to miss out on Find me on LinkedIn: https://www.linkedin.com/in/sid-misra/ ---- Listen to the MPowered Finance Podcast: https://mpoweredfinance.buzzsprout.com/ Gautam Misra Beacon Financial Group

We've had important conversations around our money history and beliefs. But how do we actually merge our finances together? Watch this video to find out! Sid Misra, Certified Financial Planner™ Beacon Financial Group #money #wealth #investing #finance #moneymanagement #personalfinance #retirement #retirementplanning #income #socialsecurity #medicare #taxes #401k #IRA #RothIRA #marriage #divorce #prenup #nuptials --- I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together Schedule an intro call with me: https://go.oncehub.com/SidMisra --- To learn more about me, please visit my website: https://www.sidmisra.net/ ---- Don't forget to subscribe to my channel: https://www.youtube.com/channel/UCZBF ---- I post a lot of educational content on LinkedIn that you won't want to miss out on Find me on LinkedIn: https://www.linkedin.com/in/sid-misra/ ---- Listen to the MPowered Finance Podcast: https://mpoweredfinance.buzzsprout.com/ Gautam Misra Beacon Financial Group

Most people spend decades building their savings. But very few have a clear plan for how to actually use it. When retirement begins, your financial life shifts in one important way: your portfolio has to become your paycheck. And that’s where things get more complex than most people expect. In this video, we walk through the key retirement income decisions that shape: • How much you can safely withdraw • Which accounts to draw from first • How taxes affect your income • When Social Security fits into the picture Because retirement income isn’t just about a withdrawal rate. It’s about coordination. The early decisions you make can influence everything that follows, and many of them are harder to adjust later than people realize. If you’re within a few years of retirement, or recently retired, this is often the point where having a structured plan and a second set of eyes can make a meaningful difference. Sid Misra, Certified Financial Planner™ Beacon Financial Group #retirementincome #retirementplanning #retirementwithdrawals #financialplanning #taxplanning #socialsecurity #retirementstrategy #401k #IRA #RothIRA #medicare #wealthmanagement --- I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together Schedule an intro call with me: https://go.oncehub.com/SidMisra --- To learn more about me, please visit my website: https://www.sidmisra.net/ ---- Don't forget to subscribe to my channel: https://www.youtube.com/channel/UCZBF ---- I post a lot of educational content on LinkedIn that you won't want to miss out on Find me on LinkedIn: https://www.linkedin.com/in/sid-misra/ ---- Listen to the MPowered Finance Podcast: https://mpoweredfinance.buzzsprout.com/ Gautam Misra Beacon Financial Group

Many retirees are shocked to find their tax bill doesn’t shrink; it oftentimes grows. In this video, Sid Misra, CFP®, explains why taxes can rise in retirement, what causes the “retirement tax surprise,” and how smart planning can help you keep more of what you’ve earned. Sid Misra, Certified Financial Planner™ Beacon Financial Group #money #wealth #investing #finance #moneymanagement #personalfinance #retirement #retirementplanning #income #socialsecurity #medicare #taxes #401k #IRA #RothIRA --- I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together Schedule an intro call with me: https://go.oncehub.com/SidMisra --- To learn more about me, please visit my website: https://www.sidmisra.net/ ---- Don't forget to subscribe to my channel: https://www.youtube.com/channel/UCZBF ---- I post a lot of educational content on LinkedIn that you won't want to miss out on Find me on LinkedIn: https://www.linkedin.com/in/sid-misra/ ---- Listen to the MPowered Finance Podcast: https://mpoweredfinance.buzzsprout.com/ Gautam Misra Beacon Financial Group