Retirement Income Planning – Ideas By Mike™ Podcast

(Ep. 44) Building Personalized Financial Plans That Speak to Your Values with Adam Dell

By Ideas by Mike | January 30, 2026

Most high earners are leaving money on the table—failing to leverage tax strategies, automation, and personalized financial planning that can skyrocket their wealth. Today’s guest, Adam Dell, reveals how innovative technology and tailored advice are transforming the landscape for affluent individuals and advisors alike.

Discover how Domain Money is rewriting the rules of wealth management for the mass affluent, offering flat-fee models, sophisticated tax strategies, and a relationship-driven approach that keeps clients engaged and on track. Adam shares insider insights on building a truly personalized financial plan—focusing on values, goals, and behavioral economics—to prevent costly mistakes like underinvesting during market dips or neglecting estate transfer complexities. You’ll break down:

The future of wealth management beyond AUM fees, emphasizing transparency and choice.

How high-yield savings accounts (like Marcus by Goldman Sachs) are critical in building robust emergency funds.

The real power of behavioral economics in helping clients stay disciplined, especially amid market volatility.

The role of advanced tax planning—HSAs, Roth conversions, and long-term care strategies—that most advisors overlook.

The innovative partnership between Domain and 1.oak, designed to serve clients with smaller assets and nurture their growth toward more complex needs.

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(Ep. 43) How to Stop Fighting About Money: “Financial Therapy” Tips w/ Ashley Quamme

By Ideas by Mike | January 16, 2026

In this episode of Ideas by Mike podcast, we dive deep into the intersection of love and money with Financial Therapist and “Fractional Financial Behavior Officer,” Ashley Quamme.

🎧 What You’ll Learn: Many couples struggle with financial arguments, not because the math doesn’t work, but because the psychology doesn’t align. Mike and Ashley discuss why financial planning often fails without a psychological component, how to identify your “money scripts,” and the secrets to building a “Wealthy Marriage.”

Whether you are a saver married to a spender, or a financial advisor looking to better serve your clients’ emotional needs, this episode bridges the gap between the spreadsheet and real life.

Guest: Ashley Quamme, LMFT, FBS®, CFT-I™ Visit Beyond the FP: https://www.beyondthefp.com/

Connect with Ashley Quamme: https://www.linkedin.com/in/ashley-quamme/

Host: Mike Milligan, CFP®: https://www.linkedin.com/in/mikemilligancfp/

Visit 1.oak Financial: https://wwwwww.1oakfinancial.com

Also Get the Book “The One of a Kind Financial Plan” on Amazon: https://a.co/d/hAOPAgM

#FinancialTherapy #CouplesAndMoney #FinancialPsychology #IdeasByMike #WealthyMarriage #MoneyScripts #MikeMilligan

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William P. Bengen’s Newest Updates: How Retirees Can Safely Withdraw 4.7% or Even 5.5% Ep. 33

By Ideas by Mike | September 19, 2025

William Bengen retirement withdrawal strategies have shaped how millions plan for retirement. Known as the creator of the famous 4% Rule, Bengen now reveals new research that challenges the old standard. In this episode of the Ideas by Mike™ Podcast, Mike Milligan, CFP®, asks the key question: is 4% rule still safe in 2025?

Bengen explains why his updated research supports a 4.7% withdrawal rate, when retirees might take even 5.5%, and how diversification, inflation, and market conditions impact retirement success.

📞 Book your free complimentary portfolio analysis today: https://calendly.com/ideasbymike/linkedin-strategy-call?month=2025-07

**We’d love to hear your thoughts! Don’t forget to subscribe and leave a comment below!**

👤 About Our Guest: William P. Bengen

William P. Bengen is the pioneering financial planner who first formulated the now-famous “4 % Rule” for retirement withdrawals and coined the term “SAFEMAX.” With over 30 years of research on maximizing sustainable income in retirement, he’s updated the rule to 4.7 % in his new book A Richer Retirement. Bengen holds a B.S. in Aeronautics & Astronautics from MIT and an advanced degree in financial planning, and runs a website where he shares his charts, tables, and ongoing research.

If you want to dive deeper into Bengen’s research? Visit his website: https://www.bengenfs.com/

To explore free retirement planning charts, and grab his new book A Richer Retirement on Amazon to learn how to supercharge the 4% Rule, click this!

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Resources:

Tom Hegna’s Retirement Playbook: Proven Formula for Retirement Income, Wealth & Peace of Mind Episode 32

Stream all past episode of Ideas by Mike™ Podcast!

Connect with Mike Milligan, CFP®:

Do you have any financial inquiries you need answered?
Send us an email – mike@mikemilligancfp.com
Or Call/Text “PODCAST” to (757) 909-7151

Intro and Outro Music: “Podcast Interview Background Music” by Ievgen Poltavskyi (HitsLab) via Pixabay

#ideasbymike #moneymanagementpodcast #wealthbuilding #retirementplanning #financialplanningpodcast #careerjourneypodcast #clientservices #worklifebalance #impactfulcareers #personalizedfinance #retirementwithdrawalstrategies #communityengagement #financialliteracypodcast #podcast #podcastforfinancialliteracy #financialmanagementpodcast #financialplanningguide #financialliteracymatters #financialtips #financialhelp #financialstrategies #socialsecuritytips #federalbenefitsconsultant #cfp #annuity #Safewithdrawalrates #RetirementWithdrawalStrategies

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Elevate Your Finances in 2025 with One-of-a-Kind Strategies (Ep.16)

By Ideas by Mike™ | January 6, 2025

Are you ready to transform your financial approach and make 2025 the year you finally achieve your one-of-a-kind life goals?

Engage with captivating insights into tax planning, retirement income, and the paramount importance of having a genuinely personalized financial plan. Plus, look out for an engaging revelation of how 2025 can be your groundbreaking year.

Mike Milligan looks forward to helping you seize 2025 with fresh financial resolutions and personalized planning!

Key conversations include:

Implementing a “one-of-a-kind” financial plan that aligns with your personal goals and priorities from the outset of 2025
Learning from professionals about the importance of future tax scenario preparedness
Exploring innovative retirement income strategies to ensure financial security.
Embracing the art of human connection as a vital part of maintaining mental and financial well-being throughout the year
And more!

Connect with Mike Milligan, CFP®:

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Mike and Jim on Retirement Income Planning (Ep. 12)

By Ideas by Mike™ | November 7, 2024

Retirement planning goes beyond numbers—it’s about building a future that aligns with your values.

This week on Ideas by Mike™, Mike Milligan, CFP®, and Jim Fisher unveils the value of developing a retirement income plan that remains adaptable and reliable. They cover the transition from growth to income strategies and how the Forecaster tool provides clear insights into managing potential risks, like the “retirement dead zone.”

So, tune in as they explore the essentials of tax planning, income diversification, and practical steps toward creating a stable, sustainable income throughout retirement.

Key Highlights:

How Jim Fisher’s innovative Forecaster tool empowers clients with personalized income projections for retirement readiness
The importance of income diversification: using social security, pensions, savings, and annuities to create a reliable “personal pension”
How shifting from growth-focused to income-focused strategies a decade before retirement helps clients manage risks effectively
The potential for “retirement raises”: strategies to boost post-retirement income with inflation-adjusted plans and strategic asset reallocation
How personalized financial planning aligns retirement strategies with individual needs, lifestyle goals, and financial well-being
And much more!

Connect with Mike Milligan, CFP®:

Connect with Jim Fisher:

About Our Guest:

Jim Fisher is the Founder & CEO of Jucebox and has been a longtime member of the retirement income planning space. He has a passion for teaching financial literacy to all and helping retirement professionals grow their businesses. Check out Jim’s LinkedIn to get connected with him.

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Tips for Strengthening Your Retirement Income Strategy (Ep. 6)

By Ideas by Mike™ | August 15, 2024

Paychecks do not need to stop in retirement…

With the right financial plan, it’s entirely possible to keep those “paychecks” coming, even after you stop working.

This week on Ideas by Mike™, Mike Milligan, CFP®, dives into the second critical element of the Ideas by Mike™ one-of-a-kind financial planning process, retirement income. Highlighting personal experiences and historical insights, Mike unveils actionable steps to help secure your financial future without fear of running out of money.

Mike discusses:

The first step of his one-page financial plans, tax planning, and how retirement income planning builds off of that
Different methods to help you obtain consistent retirement income
Historical insights into the evolution of pensions and retirement systems
Innovative tools such as income forecasters that the Ideas by Mike™ team uses to alleviate financial fears for retirees
And more!