Retirement GPS - Navigated by Zynergy

Retirement Readiness (Part 2) – Saving Smart in Your Younger Years

Your 20s, 30s, and 40s are your biggest financial advantage. In this episode, Ryan and Zane cover how to maximize your 401(k), use Roth strategies, explore IRA options, and let compounding work for you .
 
Pair it with our presentation; Maximizing Your 401k Benefit for a clear roadmap to long-term retirement success.
 
Stay connected—subscribe to the Retirement GPS Podcast and follow Zynergy Retirement on Instagram, Facebook, and LinkedIn for more insights to help you stay intentional and on course toward retirement.

Retirement Readiness (Part 1) – Are You Within 5 Years of Retiring?

In this episode, Ryan and Zane introduce the Retirement Glide Path—a five-year framework designed to help you prepare for a smooth transition into retirement. From paying down debt and building emergency reserves to reviewing Social Security, estate planning, healthcare, and lifestyle goals, they share how to turn uncertainty into confidence as you approach the finish line.
 
We also walk through Zynergy’s Retirement Glide Path Checklist, covering essentials like debt payoff, long-term care planning, tax diversification, housing, income strategies, and lifestyle visioning. Whether you’re five years out or just beginning to plan, this guide helps you stay on course and avoid last-minute surprises.
 
Subscribe to the Retirement GPS Podcast and follow Zynergy Retirement on Instagram, Facebook, and LinkedIn @ZynergyRetirement for more strategies to keep your retirement on track.

Investing with Intention – Navigating Market Risk in Retirement

Market dips feel different in retirement—because your money isn’t just growing anymore, it’s paying you. In this episode, Ryan Zacharczyk, CFP®, and Zane Belcak dive into how to invest with intention, not just for performance. Learn how to structure your portfolio into short-, mid-, and long-term “buckets,” why holding cash can protect you from panic, and how rebalancing keeps risk in check. Plus, discover the hidden threat of inflation and why purpose-driven investing creates confidence and clarity in retirement.
 
Subscribe to this podcast and follow Zynergy Retirement on Instagram, Facebook, and LinkedIn for more strategies to keep your retirement on course!

Roadside Assistance – Building Your Emergency Reserves

An emergency reserve is more than just cash in the bank—it’s the cushion that keeps your plan steady when life takes an unexpected turn. From medical bills to home repairs to market downturns, having the right amount of money set aside can mean the difference between peace of mind and panic. In this episode, Ryan Zacharczyk, CFP®, and Zane Belcak explain how to calculate the right reserve for your lifestyle, where to keep it so it’s safe but accessible, and how to build your emergency fund step by step without derailing your long-term goals.
 
Subscribe to this podcast and follow Zynergy Retirement on Instagram, Facebook, and LinkedIn for more strategies to keep your retirement on course!

Fueling the Journey – Mastering Cash Flow & Budgeting in Retirement

Budgeting isn’t about restriction—it’s about intention. In this episode, Ryan Zacharczyk, CFP®, and Zane Belcak share how a clear spending plan and drawdown strategy can transform fear into confidence, helping retirees enjoy the life they’ve worked for without worrying about running out of money.
 
Plus, explore our Detailed Budget Template to put these strategies into practice.

Your Retirement Destination – Goal Setting that Matters

In this episode of the Retirement GPS Podcast, Ryan Zacharczyk, CFP®, and Zane Belcak dive into the first GPS component—Goal Setting. They explain why defining your vision for retirement is the essential first step, and how Zynergy’s G.O.D.S. Framework (Goals, Opportunities, Dangers, Strengths) helps turn vague ideas into a clear, prioritized life plan. Listeners will learn how to set short-, mid-, and long-term goals that reflect their values and create the foundation for every financial decision that follows. Be sure to view our corresponding Goal Setting Supplement attached!

Welcome to Retirement GPS - Your Roadmap to a Successful Retirement

In the debut episode of the Retirement GPS Podcast, Ryan Zacharczyk, CFP®, and Zane Belcak introduce their 10-part Goal-Based Planning System (GPS) and share how integrating finances, lifestyle, and purpose can create a confident, fulfilling retirement.