Retirement: Everything They Never Told You Transistor (https://transistor.fm) https://feeds.transistor.fm/retirement-everything-they-never-told-you Join Joe Wirbick from Sequinox as he shows you everything they never told you about Retirement! © 2026 Joe Wirbick def8ead3-8c74-538b-b3a7-0cc4894dfe85 yes en Fri, 19 Jun 2026 13:00:12 -0600 Fri, 19 Jun 2026 13:01:23 -0600 https://img.transistorcdn.com/ezPMkgN2lA6j1231NFjklI6OViRaY9g7pOI20XZL71U/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9hYTA1/Y2YyNTU2NTJhZTQ2/N2MxNDNjMmNlNjJm/MTlhYy5qcGc.jpg Retirement: Everything They Never Told You episodic Joe Wirbick Join Joe Wirbick from Sequinox as he shows you everything they never told you about Retirement! Join Joe Wirbick from Sequinox as he shows you everything they never told you about Retirement!. Retirement, financial advisor, income, annuities, planning Joe Wirbick No No Your Retirement Plan Is Built on Myths 31 31 Your Retirement Plan Is Built on Myths full 65c70a53-6476-4127-b55b-c0c7baefe7d5 https://share.transistor.fm/s/14a08578 Fri, 19 Jun 2026 13:00:00 -0600 Joe Wirbick Joe Wirbick 2199 Retirement, financial advisor, income, annuities, planning No The $16M Roth Secret Your Advisor Is Hiding 30 30 The $16M Roth Secret Your Advisor Is Hiding full 88a8dfb7-bfba-4eeb-8fff-9c942d83aab7 https://share.transistor.fm/s/684e05f7 The math is shocking. 

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]]> retirement, retirement planning, Roth conversion, retirement taxes, Joe Wirbick, Sequinox, retiree, pre-retiree, retirement income, Social Security timing, IRA to Roth, tax-free retirement, retirement spending, lawsuit protection, umbrella policy, pig slaughtering scam, crypto scam, retirement advisor, financial planning No The $100,000 Social Security Mistakes Most Retirees Make 29 29 The $100,000 Social Security Mistakes Most Retirees Make full 7b9da1bf-9cc7-4b1c-9478-eff07e2520c4 https://share.transistor.fm/s/e3162fd4 The IRS hopes you claim early. 

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]]> Retirement, financial advisor, income, annuities, planning No IRA, Roth, or Brokerage: Which Should You Tap First? 28 28 IRA, Roth, or Brokerage: Which Should You Tap First? full 9f8f2f14-eb39-40cb-8c9e-3c5b82ba5a32 https://share.transistor.fm/s/6fa22a04 Fri, 08 May 2026 13:00:00 -0600 Joe Wirbick Joe Wirbick 3045 Retirement, financial advisor, income, annuities, planning No Everyone Thinks Their 401k Is a Retirement Plan. It Isn’t. 27 27 Everyone Thinks Their 401k Is a Retirement Plan. It Isn’t. full 01f2c1ad-3a89-4d53-83ed-32ab9c17a6ff https://share.transistor.fm/s/f26a6202 Fri, 01 May 2026 12:00:00 -0600 Joe Wirbick Joe Wirbick 3090 Retirement, financial advisor, income, annuities, planning No The $1.46 Million Magic Number Lie 26 26 The $1.46 Million Magic Number Lie full 222d861d-3a2f-4b86-a7ec-74a985637aae https://share.transistor.fm/s/b02e5ba2 Sat, 18 Apr 2026 13:00:00 -0600 Joe Wirbick Joe Wirbick 3065 Retirement, financial advisor, income, annuities, planning No Your Life Insurance Policy Will Die Before You Do 25 25 Your Life Insurance Policy Will Die Before You Do full ef62e2ae-a6ac-42c3-ab2b-570356d5b2a9 https://share.transistor.fm/s/dd4219cb Fri, 10 Apr 2026 13:00:00 -0600 Joe Wirbick Joe Wirbick 3182 Retirement, financial advisor, income, annuities, planning No Claim Social Security at 62 and Lose 30% Forever 24 24 Claim Social Security at 62 and Lose 30% Forever full 2c9c0fc4-500c-4d7a-8c57-ffa4c3778150 https://share.transistor.fm/s/0533fb70 Mon, 06 Apr 2026 16:20:04 -0600 Joe Wirbick Joe Wirbick 2981 Retirement, financial advisor, income, annuities, planning No Don't Touch Your Portfolio Until You Hear This 23 23 Don't Touch Your Portfolio Until You Hear This full def6a77a-4d73-49a6-a1e5-6ccd5e6f6947 https://share.transistor.fm/s/4dc0aea3 Fri, 27 Mar 2026 13:00:00 -0600 Joe Wirbick Joe Wirbick 3045 Retirement, financial advisor, income, annuities, planning No Your Emergency Fund Is Losing You $70,000 (and What to Do Instead) 22 22 Your Emergency Fund Is Losing You $70,000 (and What to Do Instead) full 1b98ba30-0aa4-4edd-860e-59e5635139e3 https://share.transistor.fm/s/7f35233c Fri, 20 Mar 2026 18:18:12 -0600 Joe Wirbick Joe Wirbick 3125 Retirement, financial advisor, income, annuities, planning No "Paying More Taxes Means I'm Doing Well": The Lie Retirees Believe 21 21 "Paying More Taxes Means I'm Doing Well": The Lie Retirees Believe full c6d32734-f314-4b70-92fc-973f76499470 https://share.transistor.fm/s/5d70a97d Fri, 13 Mar 2026 13:00:00 -0600 Joe Wirbick Joe Wirbick 2989 Retirement, financial advisor, income, annuities, planning No The Seven Ways You Can Lose Everything in Retirement 20 20 The Seven Ways You Can Lose Everything in Retirement full c652380f-f018-4728-b5de-2fff3a129991 https://share.transistor.fm/s/6d0ebf08 Wed, 04 Mar 2026 14:16:28 -0700 Joe Wirbick Joe Wirbick 3162 Retirement, financial advisor, income, annuities, planning No $1M in Your 401K? It's Not All Yours. 19 19 $1M in Your 401K? It's Not All Yours. full 3b50899d-ff41-49b7-8798-d098d0fac607 https://share.transistor.fm/s/4bcbc172 Fri, 13 Feb 2026 16:35:23 -0700 Joe Wirbick Joe Wirbick 2975 retirement, retirement planning, retirement taxes, Joe Wirbick, Sequinox, retiree, pre-retiree, 401k taxes, Roth conversion, Roth IRA, is a million dollars enough to retire, 401k retirement plan, required minimum distribution, RMD, Social Security strategy, tax planning retirement, retirement income plan, 2026 taxes, retirement tax savings, how much do I need to retire, pre-tax 401k, tax deferred retirement, Roth 401k, financial plan, CFP No Your Tax Bracket Won't Drop When You Retire Here's Why 18 18 Your Tax Bracket Won't Drop When You Retire Here's Why full a7dff195-6af8-4a52-94d9-f979929beec6 https://share.transistor.fm/s/51c02f4f Fri, 06 Feb 2026 12:00:00 -0700 Joe Wirbick Joe Wirbick 3009 Retirement, financial advisor, income, annuities, planning No How Retirees Should Invest in 2026 17 17 How Retirees Should Invest in 2026 full bcd82179-1e6e-4939-8a57-703c708c0559 https://share.transistor.fm/s/ab6a585b Fri, 30 Jan 2026 13:00:00 -0700 Joe Wirbick Joe Wirbick 2858 Retirement, financial advisor, income, annuities, planning No Markets Are Reacting, Should You? 16 16 Markets Are Reacting, Should You? full 09fc31a1-cf24-48ac-a444-6a0defa16af4 https://share.transistor.fm/s/29693be8 Wed, 28 Jan 2026 15:45:07 -0700 Joe Wirbick Joe Wirbick 3020 Retirement, financial advisor, income, annuities, planning No Why Retirement Success Has Less To Do With The Market 15 15 Why Retirement Success Has Less To Do With The Market full 1977c271-41d9-4fa7-b145-6afed6091615 https://share.transistor.fm/s/f4e16727 Wed, 28 Jan 2026 15:44:42 -0700 Joe Wirbick Joe Wirbick 3069 Retirement, financial advisor, income, annuities, planning No Pay Yourself First And Roth Planning 14 14 Pay Yourself First And Roth Planning full bc6ee993-8903-4340-8b83-c76631dc9162 https://share.transistor.fm/s/7233527d Tue, 13 Jan 2026 13:00:00 -0700 Joe Wirbick Joe Wirbick 2777 Retirement, financial advisor, income, annuities, planning No The Biggest Retirement Myths People Still Believe 13 13 The Biggest Retirement Myths People Still Believe full 7337dac7-d024-457e-91ab-ec10d16bb6f7 https://share.transistor.fm/s/08c99020 Mon, 22 Dec 2025 13:35:19 -0700 Joe Wirbick Joe Wirbick 3117 Retirement, financial advisor, income, annuities, planning No Federal Rate Cuts Housing Prices and Your Retirement Future 12 12 Federal Rate Cuts Housing Prices and Your Retirement Future full 4fa58154-9c3d-44a2-a1e6-463d3f5c516d https://share.transistor.fm/s/7a2ee74d Fri, 12 Dec 2025 13:00:00 -0700 Joe Wirbick Joe Wirbick 2974 Retirement, financial advisor, income, annuities, planning No Why You Shouldn't Trust the Headlines 11 11 Why You Shouldn't Trust the Headlines full f699f825-c467-4fb2-a869-aaa56ae9ed8a https://share.transistor.fm/s/14eb4cee Wed, 03 Dec 2025 11:13:39 -0700 Joe Wirbick Joe Wirbick 3143 Retirement, financial advisor, income, annuities, planning No Your Real Retirement Risk Isn’t Market Drops 10 10 Your Real Retirement Risk Isn’t Market Drops full 16ce4d9e-9097-4ceb-9711-3e189f27ecae https://share.transistor.fm/s/9bb3d79b Mon, 24 Nov 2025 09:00:00 -0700 Joe Wirbick Joe Wirbick 2965 Retirement, financial advisor, income, annuities, planning No AI, the Fed, and the Future of Your Money 9 9 AI, the Fed, and the Future of Your Money full d6c421b4-7f40-46c4-97dc-f5075bd9764e https://share.transistor.fm/s/a8f0dc17 Wed, 19 Nov 2025 09:00:00 -0700 Joe Wirbick Joe Wirbick 3143 Retirement, financial advisor, income, annuities, planning No Finding The Right Tools 8 8 Finding The Right Tools full 537d9f6f-e7a4-48ec-8fa4-736764f7b502 https://share.transistor.fm/s/b12a135d Wed, 29 Oct 2025 09:46:22 -0600 Joe Wirbick Joe Wirbick 3001 Retirement, financial advisor, income, annuities, planning No Gold and Alternative Investments 7 7 Gold and Alternative Investments full bc9de8d6-7057-46e3-bcfe-c00600ebf8b0 https://share.transistor.fm/s/e6701dec Mon, 20 Oct 2025 15:00:04 -0600 Joe Wirbick Joe Wirbick 3001 Retirement, financial advisor, income, annuities, planning No Supporting Children In Retirement and Minimizing Taxes 6 6 Supporting Children In Retirement and Minimizing Taxes full 9124cab2-1932-4ddd-aa37-dba7c43ee7ac https://share.transistor.fm/s/c86a664a Thu, 09 Oct 2025 08:00:00 -0600 Joe Wirbick Joe Wirbick 3001 Retirement, financial advisor, income, annuities, planning No Budget and Spending Planning 5 5 Budget and Spending Planning full b0becb97-4d88-4075-afab-f9be711151bc https://share.transistor.fm/s/9b989573 Mon, 29 Sep 2025 09:00:00 -0600 Joe Wirbick Joe Wirbick 3241 Retirement, financial advisor, income, annuities, planning No Why Having an Advisor is Important 4 4 Why Having an Advisor is Important full 0ad08cc4-1dac-4ca7-96c4-08288b8b07f6 https://share.transistor.fm/s/5c94af90 Fri, 26 Sep 2025 09:00:00 -0600 Joe Wirbick Joe Wirbick 3241 Retirement, financial advisor, income, annuities, planning No Investments & Taxes 3 3 Investments & Taxes full 161f55c4-9498-46ac-ada8-7ba7a82648db https://share.transistor.fm/s/7e89cf28 Fri, 19 Sep 2025 15:19:46 -0600 Joe Wirbick Joe Wirbick 3241 Retirement, financial advisor, income, annuities, planning No Goal Setting & Retirement Surprises 2 2 Goal Setting & Retirement Surprises full 2894456d-499d-4bb6-8cf4-c52759c1355c https://share.transistor.fm/s/cb181cd2 Fri, 19 Sep 2025 15:18:47 -0600 Joe Wirbick Joe Wirbick 3241 Retirement, financial advisor, income, annuities, planning No The Big Bill and Retirement Concerns 1 1 The Big Bill and Retirement Concerns full 2da46301-ddaf-44e1-8c60-d86d554079ea https://share.transistor.fm/s/205effd1 Fri, 19 Sep 2025 15:16:14 -0600 Joe Wirbick Joe Wirbick 3241 Retirement, financial advisor, income, annuities, planning No