Tag: Financial Independence
Retirement Beyond the Numbers with Mike McCabe, CFP®, CPC – Part 2 (Ep. 82)

Retirement Beyond the Numbers with Mike McCabe, CFP®, CPC – Part 2 (Ep. 82)

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Retirement planning often focuses on finances, but the emotional and personal side can be just as impactful. What happens when work slows down, routines change, and relationships shift at home?

In this episode, Nicole Romito and Mike McCabe, CFP®, CPC, Partner & Senior Advisor at Private Vista, continue their discussion by shifting from money to mindset. They explore the emotional side of retirement, including changes in daily routines, increased time with a spouse, and the importance of retiring toward something meaningful. The conversation highlights communication, structure, and flexibility as key factors in building a fulfilling next chapter after work.

Key takeaways:

  • Why open communication becomes even more important for couples in the second phase of retirement
  • How clients often revisit retirement readiness for years before feeling comfortable moving forward
  • The value of retiring toward purpose rather than simply leaving a career
  • How routines and structure support emotional balance after full-time work ends
  • Understanding mental stress when retirement is unexpected or arrives sooner than planned
  • And more!

Connect with Nicole Romito: 

Connect with Mike McCabe:

About Our Guest: 

Throughout his career in financial services, Mike McCabe has focused on helping clients manage their financial lives in a way that supports enjoyment and fulfillment beyond the numbers. He has a strong commitment to continued learning, earning the CERTIFIED FINANCIAL PLANNER® designation as well as the Certified Pension Consultant (CPC) designation through the American Society of Pension Professionals and Actuaries. Within the firm, Mike serves on the Investment Committee, supports compliance efforts, and mentors the next generation of advisors.

Mike values a healthy work and life balance, which for him means finding satisfaction in his work while making time for golf, volunteering, exercise, movies, and meaningful time with his wife, friends, and family. He looks ahead to continued growth with modern technology, more travel, deeper community involvement, and enjoying life as a present and engaged grandfather.

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Retirement Planning, Health Coverage, and Income with Mike McCabe, CFP®, CPC – Part 1 (Ep. 81)

Retirement Planning, Health Coverage, and Income with Mike McCabe, CFP®, CPC – Part 1 (Ep. 81)

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Retirement often feels close long before the details are clear, and timing can shape how smooth the transition feels. Decisions around income, health coverage, and benefits tend to overlap more than expected.

In this episode, Nicole Romito sits down with Mike McCabe, CFP®, CPC, Partner & Senior Advisor at Private Vista, to walk through what to think about in the final year before retirement. They cover Medicare timing, Social Security decisions, and how early planning helps avoid rushed choices. The conversation also explores replacing a paycheck, managing cash flow, and why tax awareness matters as income sources change.

Key takeaways:

  • Planning health insurance decisions at least 90 days before retirement to avoid gaps and confusion
  • Understanding how Medicare Parts A, B, D, and supplemental options fit together
  • Recognizing that Social Security reductions for early filing are permanent
  • Replacing a paycheck with structured retirement income that feels predictable
  • Using multiple account types to manage taxes and income timing effectively
  • And more!

Connect with Nicole Romito: 

Connect with Mike McCabe:

About Our Guest: 

Throughout his career in financial services, Mike McCabe has focused on helping clients manage their financial lives in a way that supports enjoyment and fulfillment beyond the numbers. He has a strong commitment to continued learning, earning the CERTIFIED FINANCIAL PLANNER® designation as well as the Certified Pension Consultant (CPC) designation through the American Society of Pension Professionals and Actuaries. Within the firm, Mike serves on the Investment Committee, supports compliance efforts, and mentors the next generation of advisors.

Mike values a healthy work and life balance, which for him means finding satisfaction in his work while making time for golf, volunteering, exercise, movies, and meaningful time with his wife, friends, and family. He looks ahead to continued growth with modern technology, more travel, deeper community involvement, and enjoying life as a present and engaged grandfather.

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REPLAY: Empowering Your Financial Future Post-Divorce with Delaney Orozco (Ep. 80)

REPLAY: Empowering Your Financial Future Post-Divorce with Delaney Orozco (Ep. 80)

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Divorce brings emotional upheaval, but the financial uncertainty can feel paralyzing. Where do you even start?

How do you protect yourself when you haven’t managed the finances? What team do you need, and how do you begin planning for a future you never imagined?

In this replay episode, Nicole Romito revisits her conversation with Senior Advisor Delaney Orozco, CFP®, breaking down the financial side of divorce into three manageable phases. They discuss building the right support team, gathering crucial financial data, and starting to envision your next chapter. Whether you’re considering divorce or already in the process, this conversation offers practical guidance for navigating one of life’s most challenging transitions with clarity and confidence.

Delaney discusses:

  • Why starting with a financial advisor before an attorney can save you money and provide better guidance
  • The essential team members you need beyond just a lawyer, including therapists and divorce coaches
  • How to gather financial data systematically, even if you’ve never been involved with household finances
  • Why emotions around assets like retirement accounts and homes require special attention and planning
  • The importance of looking forward to what you’re moving toward, not just what you’re leaving behind
  • And more!

Connect with Nicole Romito: 

Connect with Delaney Orozco:

About Our Guest: 

Delaney Orozco, CFP®, began in the financial services industry in 2015 as a service advisor. Throughout her career, she has focused on finding the intersection between the day-to-day processes of the financial world and bigger-picture planning, with the goal of assisting her clients in achieving their private vista. Delaney also has a deep passion for developing guides for her clients, helping them navigate the psychology behind finance and the numbers they see on the page. Her experience as a collegiate athlete has equipped her with the work ethic and dedication necessary to perform at a high level, which she hopes to offer her clients.

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REPLAY: Finding Purpose Beyond Financial Independence with Jeff Toner (Ep. 79)

REPLAY: Finding Purpose Beyond Financial Independence with Jeff Toner (Ep. 79)

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What happens after you reach financial independence? Many assume retirement means endless relaxation, but the reality is often more complex.

How do you find meaning when career obligations no longer drive your daily routine? What brings fulfillment in this new chapter of life?

In this episode, Nicole Romito revisits a conversation with Jeff Toner, CHFC®, RICP®, Partner at Private Vista, about moving beyond the numbers to discover purpose and meaning after achieving financial independence. Jeff shares insights from nearly 40 years in financial planning, discussing the evolution from solving math problems to helping clients navigate life transitions. 

He explores resources for designing your next phase, real-world examples of clients finding fulfillment, and practical approaches to climbing the “second mountain” of purpose-driven living.

Jeff discusses:

  • The shift from retirement planning as a math problem to conversations about purpose and life design
  • How financial independence often arrives earlier than expected, creating both opportunity and uncertainty
  • Practical resources like “Designing Your Life” and “The Second Mountain” for mapping your next chapter
  • Real examples of clients finding meaning through social enterprises, education programs, and service work
  • Why staying curious, investing time in exploration, and maintaining connections are essential to fulfillment
  • And more!

Resources:

Connect with Nicole Romito: 

Connect with Jeff Toner:

About Our Guest: 

Jeff Toner, CHFC®, RICP®, Partner at Private Vista, now almost 40 years into his career, has the luxury of looking backward and reflecting on the journey he has been on. Back in 1984, he didn’t know what a fiduciary was or what a financial planner did. What he did know was he wanted to help people with their finances and achieve their goals in life. He wanted to do it in a way that he wasn’t selling them a product but rather walking side by side with them as they moved toward their dreams. Jeff has been with them in moments of great joy and cried with them during their times of sadness. He has taught and educated them, but more importantly, he has been taught and learned from them as well.

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How Private Vista Can Help You Navigate Every Stage Of Wealth (Ep. 69)

How Private Vista Can Help You Navigate Every Stage Of Wealth (Ep. 69)

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Most people spend years preparing for retirement, but few feel fully prepared for what happens the day the paycheck stops.

In this special roundtable episode, host Nicole Romito sits down with Private Vista advisors Greg Williams, Miles Johnson, and Julian Bell to answer the real questions clients ask as they move through accumulation and into decumulation. From how much to save, where to save, how to optimize for taxes, and how to confidently withdraw income in retirement, the team breaks down complex financial topics into real-world advice you can actually use.

What to expect during this conversation:

  • How business owners can maximize qualified plan contributions to reduce taxes
  • Smart savings strategies for W-2 employees (including how to leverage HSAs)
  • What executives need to know about stock options, RSUs, and deferred compensation
  • How to replace your paycheck with tax-efficient withdrawals in retirement
  • And more!

Resources:

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Connect with Our Guests:

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