Dana Anspach and Fritz Gilbert: ‘This Is What a Joyful Retirement Could Feel Like’

The Long View

Morningstar

Finance, Dan Lefkovitz, Amy Arnott, Entrepreneurship, Investing Leaders, Jeff Ptak, Investors, Christine Benz, Influential Investors, Careers, Long-term Investing, Financial Services, Business, Investing, Morningstar

4.5 • 775 Ratings

🗓️ 23 September 2025

⏱️ 60 minutes

🔗️ Recording | iTunes | RSS

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Summary

A financial advisor and retirement blogger discuss the key phases of retirement, structuring portfolios for drawdown, and how retirees can give themselves ‘permission to spend.’

Transcript

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0:00.0	In volatile markets, the H.C.M. Byline keeps you grounded. Invest with confidence. Discover Howard Capital Management's funds at HowardCMFunds.com. Stay tactical, not traditional.
0:15.2	Investments in HCM funds involve risk, including possible loss of principle. There is no assurance that the funds will achieve their investment objectives. Investors should carefully consider the investment objectives,
0:24.0	risks, charges, and expenses of the HCM funds. This and other important information about the funds
0:28.4	are contained in the prospectus, which can be obtained at www.howardcmfunds.com or by calling
0:33.5	77062-4-969-8464.
0:39.3	The prospectus should be read carefully before investing.
0:41.7	HCM funds are distributed by Northern Lights Distributors, LLC.
0:44.9	Member Finra, SIPC, Northern Lights Distributors, LLC, and Howard Capital Management, Inc.
0:49.3	are not affiliated.
0:50.3	Please stay tuned for important disclosure information at the conclusion of this episode.
0:56.5	Hi and welcome to The Longview. I'm Christine Ben's Director of Personal Finance and Retirement Planning for Morningstar.
1:03.2	And I'm Amy Arnott, portfolio strategist with Morning Star. Today on the podcast, we welcome back to
1:09.2	previous guests.
1:15.4	Dana Onsbach is the founder and CEO of the financial planning firm, Sensible Money,
1:21.0	based in Scottsdale, Arizona, and she's been practicing as a financial planner since 1995.
1:26.0	Dana is also the author of the lecture series, How to Plan for the Perfect Retirement,
1:28.2	available on the Great Courses,
1:33.4	and author of the books, Control Your Retirement Destiny and Social Security since.
1:39.0	She has begun blogging about her own retirement journey on the Retirement Manifesto website.
1:45.6	Fritz Gilbert retired in his mid-50s and has been blogging about his retirement experience ever since.
1:51.2	He's the creator of the Retirement Manifesto, and he also wrote a book about retirement called Keyes to a Successful Retirement, Staying Happy, Active and Productive in Your Retired Years.
1:57.7	Dana and Fritz, welcome to The Longview.
	...

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