Building a retirement plan means balancing financial security with the life you want to live. Steve Chen sits down with fee-only fiduciary financial planner Jesse Cramer, host of Personal Finance for Long-Term Investors and writer behind The Best Interest, to explore both the numbers and the human side of retirement.

They discuss how Coast FIRE can create flexibility, why retirement requires more than a portfolio adjustment, and how stacking conservative assumptions can keep you working longer than necessary. Along the way, Jesse shares ways to think about retirement income, competing risks, and the trade-offs behind Roth conversions.

To learn more about the Boldin Planner, visit boldin.com. You can also find full video episodes of Boldin Your Money on YouTube and subscribe wherever you get your podcasts.

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Rialto Wealth Management: https://rialtowealth.com/

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Vanguard's $4.6 billion acquisition of Altruist made headlines across the financial industry, but the bigger story is what it says about the future of financial advice.

In this episode of Boldin Your Money, Steve Chen is joined by Ed Williams, Lead Financial Advisor at Boldin, and Michael Byram, Boldin's CTO and former engineering leader at Altruist, to discuss why this acquisition matters and how technology is reshaping the way people plan for retirement and manage their money.

Together, they explore why traditional financial advice can't scale to meet growing demand, how AI is making both advisors and consumers more capable, and why the next generation of financial planning will be more personalized, proactive, and accessible than ever before.

The conversation also covers the evolving role of financial advisors, flat-fee advice versus traditional AUM models, AI agents, automation, and why the future isn't about replacing human advisors—it's about combining human expertise with powerful technology to help more people make better financial decisions.

Whether you're working with an advisor, managing your own finances, or simply curious about where AI is taking personal finance, this episode offers an inside look at where the industry is headed.

To learn more about the Boldin Planner, visit boldin.com. You can also find full video episodes of Boldin Your Money on YouTube and subscribe wherever you get your podcasts.

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What does the future of financial advice look like when AI, automation, and modern technology reshape how people manage their money? In this episode of Boldin Your Money, Steve Chen sits down with Subbiah Subramanian, VP of Product Management at Clearwater Analytics, to explore how technology is transforming wealth management, financial planning, and the advisor-client relationship.

They discuss the recent Vanguard–Altruist acquisition, the growing advice gap, how AI can empower both advisors and consumers, and why the future of financial planning will likely combine intelligent technology with human expertise. Whether you're interested in retirement planning, fintech, or the future of AI in personal finance, this conversation offers valuable insights into where the industry is headed.

Connect with Boldin:

• Build your retirement plan at Boldin.com
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