Saving With Silverman

Dangerous Mindsets That Could Derail Your Plan

You can have the perfect investment plan, but the wrong mindset can still derail your retirement. In this episode, Mark explores some of the most dangerous mental traps he’s seen people fall into during their financial journey, and how to avoid them. Tune in to discover what could quietly unravel even the strongest portfolios.
Here’s what we discuss in today’s show:
😨 Fear-based choices that could derail your future
🚀 Overconfidence often leads to too much risk at the wrong time
🧠 How media negativity can cloud smart decision-making
💤 Does “set it and forget it” work? 
🔍 Finding the right advisor
 
Want to get in touch with Mark? 
Web: https://silverman-associates.com/home
Email: mark@silverman-associates.com
Phone: 520.512.8832

Five People You Meet In Retirement

In the book The Five People You Meet in Heaven, a man arrives in heaven and encounters five different people who impacted his journey and gave meaning to his life. Today, Mark talks about the five people you should be meeting right before you retire. These are the people who can have a significant impact on your retirement and possibly even help give you a sense of purpose and direction as you enter into the next stage of life.
 
Here’s what we discuss in today’s show:
📚Why your financial advisor should be a planner, not just a salesperson
📜 How an estate planner helps protect your wishes
🛡️ The role of insurance in your long-term risk management
🏋️‍♂️ Why staying physically active is key to enjoying retirement
💬 How mentorship can bring meaning, structure, and fulfillment post-career
 
Want to get in touch with Mark? 
Web:
https://silverman-associates.com/home
Email:
mark@silverman-associates.com
Phone:
520.512.8832

Credit Scores: How They Work & Why They Matter

It’s one of the most misunderstood numbers in personal finance, and yet it can shape everything from your mortgage rate to your insurance premiums. In this episode, Mark breaks down what your credit score actually measures, why it matters even if you're financially comfortable, and how small, consistent habits can make a big difference over time.
 
Here’s what we discuss in today’s show:
📉 One error that can drag your score down fast
💳 The 30% rule for smart credit card use
📊 How small habits affect your credit over time
🔐 Why closing that old credit card might backfire
🔎 Why it’s important to keep an eye on your credit score
 
Resources for this episode:
Bankrate: https://www.bankrate.com
 
Want to get in touch with Mark? 
Web:
https://silverman-associates.com/home
Email:
mark@silverman-associates.com
Phone:
520.512.8832

Mailbag: Life Insurance, Dividends & Retirement Worries

What do you do when life throws retirement curveballs, especially the ones you didn’t see coming? In this mailbag episode, Mark tackles three unique retirement planning questions from listeners like you. You’ll hear whether life insurance can make sense as part of an estate plan and what the 4% rule really means when it comes to dividends and interest. Mark also helps a listener assess the impact of leaving work earlier than expected and what steps to take next.
 
Here’s what we discuss in today’s show:
📊 What the 4% rule really includes
🏛️ Turning your investments into a meaningful legacy
📦 Evaluating your readiness for early retirement
📈 Why a comprehensive plan beats one-size-fits-all advice
 
Want to get in touch with Mark? 
Web:
https://silverman-associates.com/home
Email:
mark@silverman-associates.com
Phone:
520.512.8832

What a Real Financial Plan Looks Like (and What It Doesn’t)

Not all financial advisors do the same thing and not all “plans” are made with your best interest in mind. In this episode, Mark walks through what a genuine financial planning process looks like from start to finish, and how to spot the difference between true fiduciary advice and a thinly veiled product pitch.
 
Here’s what we discuss in today’s show:
📞 What the first call with an advisor should include
🧾 Red flags: product pitches in meeting one
🧠 Why planning should come before investing
📉 What makes a true fiduciary different
 
Want to get in touch with Mark? 
Web:
https://silverman-associates.com/home
Email:
mark@silverman-associates.com
Phone:
520.512.8832

Inside the Advisor’s Office: What People Are Actually Concerned About

Ever wonder what other people talk about with their financial advisors? A new survey of nearly 400 experienced advisors reveals the biggest concerns, challenges, and financial goals their clients are facing today. From retirement planning and healthcare costs to working longer than expected, we’re breaking down the key takeaways and how they compare to what we see in our own client conversations.
 
Here’s what we discuss in today’s show:
📊 Survey insights from 400+ financial advisors
💰 Why retirement income is more than just savings
📉 How to avoid outliving your money
🏥 Health costs and caregiving pressures
🛠️ Real planning vs. product sales
 
Financial Advisor Magazine article:
https://www.fa-mag.com/news/retirement-planning-survey-2024-80450.html
 
Want to get in touch with Mark? 
Web:
https://silverman-associates.com/home
Email:
mark@silverman-associates.com
Phone:
520.512.8832

Retire Smarter: Control What You Can & Thrive in Any Market

How do you build confidence in your retirement plan when so much feels out of your control? In today’s episode, we’re cutting through the noise and focusing on what really matters- the things you can control. From managing risk to planning for inflation and creating reliable income, we’ll share strategies that put you back in the driver’s seat.
 
Here’s what we discuss in today’s show:
📊 Most people don’t understand how much investment risk they’re actually taking🧾 You can’t control tax law, but you can control where your money is taxed💡 Social Security is important, but it shouldn’t be your only income stream
💸 Tax on Social Security – is it going away?
 
Want to get in touch with Mark? 
Web:
https://silverman-associates.com/home
Email:
mark@silverman-associates.com
Phone:
520.512.8832

From Chaos to Clarity: Building a Solid Income Plan for Retirement

What happens when the paycheck stops, but the bills don’t? In this episode, Mark cuts through the noise and gets real about why a true retirement income plan is your financial foundation. Spoiler: it’s not about picking the right annuity or hoping Social Security is enough. It's all about strategy, and there’s no silver bullet.
 
Here’s what we discuss in today’s show:
💸 Most people don’t have an income plan—they just have accounts
📉 Without a strategy, retirement income can be unpredictable
📊 Financial products ≠ financial planning
🧩 Coordinating Social Security, pensions, and savings is essential
📞 The first step is a conversation—not a sales pitch
 
Want to get in touch with Mark? 
Web:
https://silverman-associates.com/home
Email:
mark@silverman-associates.com
Phone:
520.512.8832

Financial Planning For Couples: Getting On The Same Page

A good financial plan considers the unique needs and views of both spouses. But let’s face it, couples often come to the table with different approaches to saving, spending, and planning for the future. So, how do you get on the same page and build a plan that works for everyone? In this episode, we’ll explore the challenges and strategies of financial planning for married couples.
Here’s what we discuss in today’s show:
💰 Getting the saver vs spender on the same page in retirement planning
💬 Key conversations every couple should have before building a financial plan
👨‍👩‍👧‍👦 Why it’s important for both spouses to be involved
🤝 How Mark helps couples create a retirement plan they can both agree on
 
Want to get in touch with Mark? 
Web:
https://silverman-associates.com/home
Email:
mark@silverman-associates.com
Phone:
520.512.8832

The Snowbird Retirement: Is a Seasonal Move Right for You?

Arizona is a unique state in that parts of the state have harsh winters while other areas deal with extreme heat in the summers. Either way, it definitely drives retirees to consider taking up residence somewhere else in those months when the weather isn’t enjoyable. Is ‘snowbird’ life for you? Let’s talk about what motivates people to take up temporary residence elsewhere, where they go, and if it’s worthwhile.
Here’s what we discuss in today’s show:
What our clients usually do when they choose to become ‘snowbirds.’
Where do people usually go to live when they leave?
What do you need to consider before deciding to take up two residences?
The ways that technology has given more flexibility with work and travel.
 
Want to get in touch with Mark? 
Web:
https://silverman-associates.com/home
Email:
mark@silverman-associates.com
Phone:
520.512.8832