You Don’t Need a Financial Advisor… Until You Do (Here’s When)

You Don’t Need a Financial Advisor… Until You Do (Here’s When)

Author: James Conole, CFP® April 26, 2026 Duration: 18:16
You’ve done everything right. You saved consistently. You built a portfolio. You figured it out on your own. So why would you ever need a financial advisor now. That question makes sense. And for many people, the answer really is that you don’t. At least not yet. But there is a point where the game changes. What got you here is not what carries you through retirement. In this episode, James Conole walks through where that shift actually happens. It is not about picking better investment...

Charting a path toward retirement often feels like navigating without a map, filled with complex terms and a fear of making the wrong move. Ready For Retirement, hosted by certified financial planner James Conole, aims to replace that uncertainty with clarity and actionable insight. Each episode breaks down a specific aspect of financial planning, from investment fundamentals and tax strategies to navigating healthcare costs and defining what a secure future actually looks like for you. James draws on his professional experience to translate daunting concepts into practical steps, avoiding generic advice in favor of discussions that address real-life complexities and questions. Tuning into this podcast feels like having a straightforward conversation with a knowledgeable guide who prioritizes your long-term peace of mind over financial industry jargon. The focus is consistently on building not just a portfolio, but confidence in your decisions, empowering you to move from feeling overwhelmed to feeling prepared. Whether you're decades away from retirement or it's on the near horizon, these conversations provide a steadying framework for making informed choices about your money and your life.
Author: Language: en-us Episodes: 100

Ready For Retirement
Podcast Episodes
Why many retirees REGRET relying on Social Security Income [not-audio_url] [/not-audio_url]

Duration: 13:20
Relying too much on Social Security? You’re not alone—over 40% of retirees count on it for at least half their income. But that safety net has some major gaps. In this video, I break down four key reasons why Social Secu…
Root Talks: What Role Does "Fun" Play in an Advisory Relationship? [not-audio_url] [/not-audio_url]

Duration: 15:50
How do you keep things fun when markets—or life—get tough? We're breaking down why “fun” isn’t just about ping pong tables and perks—it’s about being prepared, building trust, and maintaining strong relationships before…
9 Things To STOP DOING After 60 [not-audio_url] [/not-audio_url]

Duration: 16:19
If you're over 60, it's time to stop certain habits that may be holding you back from fully enjoying your retirement. In this video, I’ll share key lessons learned from working with retirees, including how small shifts c…
Your Roth IRA Could be Locked For 5 Years. Here's Why [not-audio_url] [/not-audio_url]

Duration: 12:28
Roth IRAs are a great way to build tax-free retirement income—but the withdrawal rules can be tricky. In this video, I’ll break down the five-year rules, how contributions, conversions, and growth are treated, and smart…
Root Talks: How Do Smart Retirees Handle Big One-Time Expenses? [not-audio_url] [/not-audio_url]

Duration: 18:58
Root Collective member Gary asks how to fund a $40K home remodel before retiring—should he use a taxable brokerage account, tax-deferred 401(k), Roth IRA, or cash? Ari and I break down how to handle big one-off expenses…
The Best Retirement Spending Stories I've Heard This Year [not-audio_url] [/not-audio_url]

Duration: 11:29
Are You Spending Your Money on What Truly Matters? A few weeks ago, I challenged you to do the most important thing you can with your money this year—not Roth conversions, not optimizing Social Security, but something fa…
One Simple Tip to Make Spending Easy in Retirement [not-audio_url] [/not-audio_url]

Duration: 17:52
One of the biggest ironies in retirement is that the people who save and invest the most often struggle the most with actually spending their money in retirement. In this video, I’ll walk you through a simple framework t…

«1...678910