The Retirement Planner

It’s football season again, so imagine this: Your team is inside the 10 yard line and it’s first down. You have four chances to get points on the board, so the last thing you want to do is fumble, or throw an interception. You have to take advantage of the opportunities you have to the best of your ability.
Retirement planning is no different! When you get close to or fully entire your retirement years, you want to preserve your assets and make sure they last. A “fumble” in those critical years can mean a long, difficult recovery. That’s where bucket planning can be a key page in your playbook.
Join Certified Financial Fiduciary Don Chamberlin and his son Don III (“D.C.”) for the final episode of The Retirement Planner Podcast’s first season, and learn more about this time-segmenting strategy and how it can help you weather market volatility and live out your retirement dreams with confidence and peace of mind.
Ready to learn more? Click this link to schedule your no-fee 20-minute Strategy Session with one of Chamberlin’s Certified Financial Fiduciaries®!
https://fb.chamberlin-group.com/podcast
 
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Prosperity Capital Advisors. (n.d.). Don Chamberlin III. https://prosperitycapitaladvisors.com/don-chamberlin-iii/
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Ostrowski, J. (2025, June 18). What the Fed's continued rate pause means for homebuyers and sellers. Bankrate. https://www.bankrate.com/real-estate/how-fed-interest-rate-affects-housing-market/
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Rockefeller Capital Management. (n.d.). Bull and Bear Markets: Understanding Potential Election Implications for the Cycle Ahead. Retrieved July 21, 2025, from https://www.rockco.com/strategic-insights/bull-and-bear-markets/
Roger G. Ibbotson. (2018, January). Fixed Indexed Annuities: Consider the Alternative. Zebra Capital. https://www.zebracapital.com/wp-content/uploads/2019/06/Fixed-Indexed-Annuities-Consider-the-Alternative-January-2018.pdf
Allianz Life. (n.d.). Americans Are More Worried About Running Out of Money Than Death. https://www.allianzlife.com/about/newsroom/2025-Press-Releases/Americans-Are-More-Worried-About-Running-Out-of-Money-Than-Death
VanDerhei, J. (2019, March 7). Retirement Savings Shortfalls: Evidence From EBRI's 2019 Retirement Security Projection Model®. EBRI. https://www.ebri.org/content/retirement-savings-shortfalls-evidence-from-ebri-s-2019-retirement-security-projection-model#:~:text=For%202019%2C%20RSPM%C2%AE%20finds,plan%20is%20$78%2C046%20per%20individual.
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Rogers, M. (n.d.). What Are Appropriate Financial Advisor Fees in 2025?. 360 Financial. https://www.360financial.net/post/what-is-appropriate-fee-for-financial-advisor#:~:text=What%20is%20a%20typical%20financial,a%20firm's%20fee%20schedule%20works.
Goyal, A., & Huang, J. (n.d.). An Empirical Evaluation of Tax-Loss-Harvesting Alpha. MIT Open Access Articles. Retrieved from https://dspace.mit.edu/bitstream/handle/1721.1/135992/SSRN-id3351382.pdf?sequence=2&isAllowed=y
Wolters Kluwer. (n.d.). Historical Income Tax Rates. Retrieved from https://www.wolterskluwer.com/en/expert-insights/whole-ball-of-tax-historical-income-tax-rates
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Principal Financial. (n.d.). What's the 59½ rule for early retirement savings withdrawals?. Retrieved from https://www.principal.com/individuals/build-your-knowledge/whats-59-half-rule-early-retirement-savings-withdrawals
Centers for Medicare & Medicaid Services. (n.d.). 2025 Medicare Parts A & B Premiums and Deductibles. Retrieved from https://www.cms.gov/newsroom/fact-sheets/2025-medicare-parts-b-premiums-and-deductibles

🪨You’ve probably seen photos of Stonehenge, the prehistoric structure in rural England. You can tell that at one time, it was a whole circle of inter-connected arches. Certain parts are strong enough to still stand on their own, but centuries of neglect have caused other parts to fall over, even though the whole thing would be stronger all together.
🎧In the newest episode of The Retirement Planner podcast, Chamberlin Lead Holistic Planner and Certified Financial Fiduciary® Tom Ponce discusses how your retirement plan is the same way. Certain pieces might stand alone for a while, but they’re strongest when they’re built together for the long-haul.
Ready to learn more? Click this link to schedule your no-fee 20-minute Strategy Session with one of Chamberlin’s Certified Financial Fiduciaries®!
https://fb.chamberlin-group.com/podcast

There are a lot of misconceptions out there about annuities, many of which are rooted in the way these assets were structured 20 or more years ago and ignoring developments in the market in more recent years. Are annuities right for your retirement plan? They could be, but there are lots of factors to consider.
This week, Certified Financial Fiduciary Don Chamberlin and holistic planning pioneer John Del Greco continue their conversation about developments in the retirement and financial planning arenas over the course of their careers, with a particular focus on annuities and how they can help add stability and predictability to a retirement roadmap when they’re thoughtfully engaged.
Ready to learn more? Click this link to schedule your no-fee 20-minute Strategy Session with one of Chamberlin’s Certified Financial Fiduciaries®!
https://fb.chamberlin-group.com/podcast
 
Sources listed in order:
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Nasdaq. (n.d.). Annuities and Estate Planning: A Comprehensive Guide. Retrieved from https://www.nasdaq.com/articles/annuities-and-estate-planning-comprehensive-guide
Investopedia. (n.d.). Deferred Annuity. Retrieved from https://www.investopedia.com/terms/d/deferredannuity.asp
MassMutual. (n.d.). Annuity Death Benefit Protection. Retrieved from https://blog.massmutual.com/retiring-investing/annuity-death-benefit-protection,
Rekenthaler, J. (2023, November 16). An 8% Retirement Withdrawal Rate? Morningstar. Retrieved from https://www.morningstar.com/columns/rekenthaler-report/an-8-retirement-withdrawal-rate
Del Greco, J. (2025, May 28). The guy behind retirement's 4% rule now thinks that's way too low. Here's how much more money you could spend. MarketWatch. Retrieved from https://www.morningstar.com/news/marketwatch/20250528214/the-guy-behind-retirements-4-rule-now-thinks-thats-way-too-low-heres-how-much-more-money-you-could-spendZ
Investopedia. (n.d.). What Is the 4% Rule for Withdrawals in Retirement? Retrieved from https://www.investopedia.com/terms/f/four-percent-rule.asp
Kiplinger. (2024, December 16). The 4% Rule for Retirement Withdrawals Gets a Closer Look. Retrieved from https://www.kiplinger.com/retirement/retirement-planning/the-4-rule-gets-a-closer-look
Morningstar. (n.d.). Just How Bad Was 2022's Stock and Bond Market Performance? Retrieved from https://www.morningstar.com/markets/just-how-bad-was-2022s-stock-bond-market-performance
National Association of Insurance Commissioners. (n.d.). Buyer's Guide to Fixed Deferred Annuities. Retrieved from https://content.naic.org/sites/default/files/publication-anb-lp-consumer-annuities-fixed.pdf
Investopedia. (n.d.). Are You Protected if Your Insurance Company Goes Belly-Up? Retrieved from https://www.investopedia.com/articles/insurance/09/insurance-company-guarantee-fund.asp
Kiplinger. (2022, January 21). Why Fixed-Rate Annuities Pay More than Bank CDs. Retrieved from https://www.kiplinger.com/retirement/annuities/604072/why-fixed-rate-annuities-pay-more-than-bank-cds
Companies Market Cap. (n.d.). Lucent Technologies (LU) - Stock price history. Retrieved from https://companiesmarketcap.com/lucent-technologies/stock-price-history/
Defiant Capital Group. (n.d.). S&P 500 Posts Crushing 68% Recovery in 2020. Retrieved from https://defiantcap.com/sp-500-posts-crushing-recovery-in-2020/
NAIC (National Association of Insurance Commissioners). (2023, November 13). US Insurer Common Stock Exposure Year-End 2022. Retrieved from https://content.naic.org/sites/default/files/capital-markets-special-reports-commonstock-ye2022.pdf
Kiplinger. (2022, February 23). What You Need to Know About Annuities. Retrieved from https://www.kiplinger.com/retirement/annuities/what-you-should-know-about-annuities
FINRA. (n.d.). Variable Annuities: What You Should Know. Retrieved from https://www.finra.org/rules-guidance/key-topics/variable-annuities

“He said to me, ‘I can give you a fish or I can teach you to fish, all right?’ And I looked at him and said, ‘Teach me to fish.’”
When John Del Greco got into the insurance business, he didn’t like their sales model. Cold calling friends and loved ones who weren’t even in the market for the product? Seemed inefficient. So he set out on a different path — one that led to a successful business, and to a new way of looking at retirement planning.
His holistic approach is one that the Chamberlin Group has wholeheartedly embraced, and we’re excited to share his conversation with Certified Financial Fiduciary Don Chamberlin about how it all came together.
Click this link to schedule your no-fee 20-minute Strategy Session with a Certified Financial Fiduciary®!
https://fb.chamberlin-group.com/podcast

📚 "This is as much about education as it is about anything else." C2P Enterprises and JJ Smith Group founder Jason Smith literally wrote the book on bucket planning, and in part 2 of his conversation with Certified Financial Fiduciary Don Chamberlin, he gives more insight into what inspired him to get into the weeds of holistic financial planning. 
At Chamberlin, we know many retirees' top concern is making sure they don't outlive their money. When market volatility and financial instability threaten your peace of mind, it's important to know you have a strategy in place to weather the storm. Bucket planning ensures that the wealth you've accumulated is not just distributed wisely, but set up for long-term preservation and growth as well. Join Don and Jason for the second part of their wide-ranging discussion of helping American retirees live out their retirement dreams with confidence and clarity. Ready to join them on that journey?
Click this link to schedule your no-fee 20-minute Strategy Session with a Certified Financial Fiduciary®!
https://fb.chamberlin-group.com/podcast

“Where do taxes fit in? What's the Medicare cost we're discussing? And if I decide on a certain tax strategy, is that going to boost my Medicare premium?”
Retirees and pre-retirees often have lists of questions like these that they either want to get out ahead of or have learned tough lessons they want to avoid experiencing again. Retirement is a complex system of choices, many of which might have been simplified for you in your working years. Maybe HR took your taxes out of each check, and offered a specific set of healthcare plans with premiums auto-deducted every payday. But in retirement, taxes and healthcare costs can become direct, out-of-pocket expenses, and all those choices you make affect other factors in your overall financial picture.
Join Certified Financial Fiduciary Don Chamberlin as he discusses holistic retirement planning with C2P Enterprises and JJ Smith Group founder Jason Smith. They talk about their own history with holistic planning, their experiences helping retirees navigate the complicated system of retirement options, and factors for retirees to account for in their long-term plans.
Click this link to schedule your no-fee 20-minute Strategy Session with a Certified Financial Fiduciary®!
https://fb.chamberlin-group.com/podcast

Unlock insights into smarter tax management with senior wealth advisor Dave Alison's guidance. This episode continues the discussion on the Tax Management Journey, progressing through crucial concepts like measuring tax brackets and avoiding marginal tax traps. Don and Dave also delve into strategic asset allocation for tax efficiency, explore the nuances of gifting strategies, and tackle the complex decision of "pay now vs. pay later." Finally, Dave reveals how to manage your dynamic tax bracket, helping empower you to take control of your financial future. Watch the full episode to learn more about how to define your retirement dreams and make them happen!
Click this link to schedule your no-fee 20-minute Strategy Session with a CertifiedFinancial Fiduciary!

Welcome to The Retirement Planner Podcast! In our first episode, Certified Financial Fiduciary Don Chamberlin talks with Dave Alison, founding partner of Clarity 2 Prosperity Enterprises, about the taxes in retirement.  They discuss tax-efficient funnels, the widow's penalty, tax planning in retirement, and the order of money. 
Watch the full episode to learn more about how to define your retirement dreams and make them happen! Click ⁠here⁠ to schedule your no-fee 20-minute Strategy Session with a Certified Financial Fiduciary!