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THE ROTH GUY

with Jude Wilson, MBA, CWS®, BPC™

 

LET’S MAKE YOUR FINANCIAL STORY A HEROIC ONE.

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⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Dave Ramsey has built one of the most recognized brands in personal finance. Millions of people have followed his advice out of debt and into savings. But when it comes to how much you should pull from your retirement accounts each year, Ramsey takes a position that some financial professionals find hard to get behind. Today, we break it down: what Dave says, what the research says, and what Jude really thinks. Here’s some of what we discuss in this episode: 📊 8% Rule: Big income, bigger questions ⚠️ Market Drops: Withdrawals can deepen losses 🔁 Sequence Risk: Timing can change outcomes 🪣 Bucket Strategy: Separate safety, income, growth 🎯 Personal Plan: Match withdrawals to real needs ✅ Stress Test: Look beyond rules of thumb 0:00 – Intro 0:50 – Dave’s 8% Rule Explained 2:18 – 8% Challenges 5:27 – Sequence of Return Risk 8:22 – Risks & the Market 10:28 – Jude’s Rule of Thumb 11:45 – General Rules vs Custom Advice 14:47 – Reach out to Jude #daveramsey #retirementincome #4percentrule _______________________________ CONNECT 🤝 Facebook: https://www.facebook.com/CentrusFinancialStrategies/ X: https://x.com/centrusfs?s=21 LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/ _______________________________ CONTACT ☎ Website: https://centrusfs.com/podcast/ Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Centrus GPS 5 Pillars Document: https://centrusfs.com/wp-content/uploads/2026/05/The-WHY-at-the-CENTER-of-your-WEALTH-4.pdf 5 Worlds of Holistic Financial Planning Document: https://drive.google.com/file/d/1FLt7vU48BY9F1dShwOlAYRuf-sH1fEWm/view?pli=1 Read our Disclosure: https://docs.google.com/document/d/129gq1ZKnyIXyA6-vyWXMg5oCH4mx0S44/edit?usp=sharing&ouid=118442068585128500668&rtpof=true&sd=true
The 4% Rule vs. the 8% Rule: What's the Right Withdrawal Rate for You?
A retirement plan should never be treated like a one-time project. Markets change, tax laws change, and your income needs can change too. #financialplanning #retirementplan #wealthmanagement _______________________________ CONNECT 🤝 Facebook: https://www.facebook.com/CentrusFinancialStrategies/ X: https://x.com/centrusfs?s=21 LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/ _______________________________ CONTACT ☎ Website: https://centrusfs.com/podcast/ Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Centrus GPS 5 Pillars Document: https://centrusfs.com/wp-content/uploads/2026/05/The-WHY-at-the-CENTER-of-your-WEALTH-4.pdf 5 Worlds of Holistic Financial Planning Document: https://drive.google.com/file/d/1FLt7vU48BY9F1dShwOlAYRuf-sH1fEWm/view?pli=1 Read our Disclosure: https://docs.google.com/document/d/129gq1ZKnyIXyA6-vyWXMg5oCH4mx0S44/edit?usp=sharing&ouid=118442068585128500668&rtpof=true&sd=true
Life Changes- Adjust Your Plan As It Shifts
Every dollar you put away moves you closer to the point where your money can support your lifestyle- and help you buy back your time. #financialplanning #retirementincome #retirementplanning _______________________________ CONNECT 🤝 Facebook: https://www.facebook.com/CentrusFinancialStrategies/ X: https://x.com/centrusfs?s=21 LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/ _______________________________ CONTACT ☎ Website: https://centrusfs.com/podcast/ Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Centrus GPS 5 Pillars Document: https://centrusfs.com/wp-content/uploads/2026/05/The-WHY-at-the-CENTER-of-your-WEALTH-4.pdf 5 Worlds of Holistic Financial Planning Document: https://drive.google.com/file/d/1FLt7vU48BY9F1dShwOlAYRuf-sH1fEWm/view?pli=1 Read our Disclosure: https://docs.google.com/document/d/129gq1ZKnyIXyA6-vyWXMg5oCH4mx0S44/edit?usp=sharing&ouid=118442068585128500668&rtpof=true&sd=true
The Two Phases of Your Financial Life 🏔️
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Meet Your Guide

 

Just like any great superhero movie, your financial journey has its challenges- taxes, inflation, market risks- but with the right guidance, you can become the hero of your own financial story. CWS®, MBA, Jude Wilson has over 25 years of experience in retirement planning and has successfully guided individuals across multiple generations to achieving their desired retirement lifestyle. Jude is highly skilled in tax reduction strategies and specializes in creating effective retirement plans tailored to each client’s unique needs and aspirations.

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​Investment Advisory Services are offered through Centrus Financial Strategies (“CFS”) a Registered Investment Advisor. CFS does not provide tax or legal advice. Consult with a qualified financial, legal, or tax professional prior to taking any action. Information received from this podcast should not be viewed as individual investment advice. Centrus Financial Strategies does not accept any liability for the use of the information discussed. Product discussions and illustrations are hypothetical in nature and will vary based on many factors including, but not limited to, age, health, product, insurance carrier and product design. You should consult the insurance carrier website and policy for detailed information. Before investing, consider investment objectives, risks, fees, and expenses. Investments in securities involve the risk of loss, including loss of principal. Past performance is no guarantee of future returns. The views and opinions reflected in the content are subject to change at any time without notice. The content speaks only as of the date indicated. Some information was obtained from external sources. The information is believed to be accurate, but there is no guarantee that it is. Please read the disclosure statement carefully before you invest or send money. For information pertaining to the registration status of CFS, please contact the firm or refer to the Investment Adviser Public Disclosure website (www.adviserinfo.sec.gov). For additional information about CFS, including fees and services, send for our disclosure statement as set forth on Form ADV from CFS using the contact information herein.