Episode 56

Simplifying Retirement: The Bucket Debate, Fiduciary Standards, and Navigating Financial Complexity - 01/17/2026

January 17th, 2026

52 mins 50 secs

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and problem solving for seniors managing financial complexity retirement income planning sequence of returns risk 401k rollover advice fee-based advisors rock county financial services department of labor regulations single portfolio approach risk management strategies estate planning hurdles medicare vs medicare advantage social security retirement benefits long-term care insurance premiums independent wealth management financial advisor janesville fiduciary standard investment bucket theory retirement planning

About this Episode

In this episode of More for Your Money, John Berkley and Sheena Hanson discuss the "uncommon cents" approach to retirement. They contrast the complex investment "bucket theory" with their simplified single-portfolio strategy. The hosts also critique Department of Labor fiduciary regulations, noting how administrative rules can increase consumer costs. Real-world highlights include resolving poorly documented estates and navigating 64% premium hikes in long-term care insurance. By prioritizing listening over numbers, the team demonstrates how local, independent advisors help Rock County retirees manage complex financial transitions with confidence.