Simplifying Retirement: The Bucket Debate, Fiduciary Standards, and Navigating Financial Complexity – 01/17/2026
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In this episode of More for Your Money, John Berkley and Sheena Hanson explore their “uncommon cents” approach to retirement planning. They contrast the investment “bucket theory,” which separates assets by time horizon, with their preferred single-portfolio strategy designed to minimize complexity and costs. The hosts also critique Department of Labor fiduciary regulations, arguing that unelected officials create rules that inadvertently increase expenses for consumers.
Practical financial hurdles are highlighted through Sheena’s work resolving a poorly documented estate with missing trust papers and John’s analysis of a 64% premium hike in long-term care insurance. Emphasizing that good advice starts with listening, the team discusses how they act as independent problem solvers for retirees navigating Social Security, Medicare, and estate complexities in Southern Wisconsin.
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