Retirement Freedom Radio
Honest answers about retirement, every Saturday — for fourteen years and counting.
Hosted by Shane Cloninger and Robert Davis. Practical, listener-driven content. No jargon, no sales pitch, no pressure — the conversation we wish more pre-retirees got to hear.
Retirement isn't the end of something. It's the beginning of freedom.
— Shane Cloninger, host
Meet Your Hosts
Two voices. Forty-plus years on the air between them.
Shane Cloninger
Host · Retirement Freedom Radio
LPL Registered Principal at SC Financial Group and host of the show since its first episode. Decades of experience helping families plan for retirement with honest, jargon-free conversation.
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Robert Davis
Cohost · Retirement Freedom Radio
Navy veteran and corporate IT leader turned financial advisor. Brings a service-oriented, plain-spoken perspective to every episode.
View profileAbout the Show
The retirement conversation we wish more pre-retirees got to hear.
Plain Language
Real talk, no jargon. If a topic needs ten minutes to explain properly, that's what it gets.
Listener-Driven
Most episodes start with questions from listeners. Your situation has probably already come up on the show.
Built Over Time
14+ years of episodes mean the show isn't reacting to today's headlines — it's reflecting decades of pattern.
Listen In
A few samples from the show.
Three of the most-asked retirement topics, in the same plain-spoken format you'll hear every Saturday. Full episodes air live on Sirius XM Family Talk Channel 131.
Social Security: When to Claim
The most common mistake we hear on the phone — and the math that usually surprises people the most about waiting versus claiming early.
Audio sample coming soon
Pension Lump Sum vs. Lifetime Income
Two callers, two pensions, two completely different right answers. How we walk through the decision live on the air.
Audio sample coming soon
Roth Conversions in the Gap Years
Why the window between retirement and Required Minimum Distributions is often the most valuable tax-planning real estate you have.
Audio sample coming soon
Educational discussion only. Hypotheticals and listener questions on the show are for general illustration and are not recommendations for any specific person, account, or product. Anything you hear here should be discussed with a qualified advisor before acting on it.
What We Talk About
The topics that come up the most.
Income that lasts
Pensions, Social Security, and turning savings into a paycheck.
Healthcare in retirement
Medicare timing, the gap to 65, and coverage choices that matter.
Taxes & legacy
Roth conversions, beneficiary planning, and what passes to the next generation.
Where to Listen
Tune in live, every Saturday.
National
SiriusXM Family Talk
Channel 131 · Saturdays 1:00 PM PT. Show page on the network site.
Visit show pageStream Free
TuneIn
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Open in TuneInShow times and channels current as of publication. Confirm with your provider for the most up-to-date schedule.
Heard something on the show that fits your situation?
Schedule a complimentary discovery call. No sales pitch — just a 30-minute conversation about whether the planning we talk about on the air would fit you specifically.
Schedule a Discovery Call