A RETIREMENT PODCAST FOR WOMEN

Align Your Retirement with Hazel Secco, CFP®, CDFA®

A retirement podcast for high-achieving women, who carry a lot on their shoulders

Hazel breaks down the real questions: when you can actually afford to retire, how to turn decades of savings into steady monthly income, and how to keep more of it from going to taxes. 

Align Your Retirement podcast cover, hosted by Hazel Secco, CFP, of Align Financial Solutions

TOP FINANCIAL PODCAST FOR WOMEN

Easy-to-understand Retirement Insights for Women

Tune in to Align Your Retirement where Hazel breaks down retirement insights in plain English.

If you’re the one who handles the money in your household and you want expert guidance instead of another DIY checklist, this is your seat.

MEET YOUR HOST

A CFP® and CDFA® who plans retirement around women, not the other way around

From a young age, Hazel saw how money decisions shaped the women in her life. Watching her mother and grandmother navigate financial challenges built her commitment to helping women make major financial decisions with clarity.

Today she is the founder of Align Financial Solutions, a fee-only fiduciary firm, and a Certified Financial Planner™ and Certified Divorce Financial Analyst®. She helps women in their 40s, 50s, and 60s organize scattered accounts, build a reliable retirement income plan, and move through the retirement runway with clarity instead of second-guessing.

woman with blue shirt asking audience to speak with the hand gesture

LASTEST EPISODES of Align Your Retirement

Delaying Social Security to 70 Cost This Couple $137,000. One Change Made It Worth $1.5 Million

I modeled delaying Social Security to 70 for one couple. It left $137,000 less at the end. Paired…
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Do You Pay Taxes on Life Insurance? What a Widow Owes on a Death Benefit in 2026

Do you pay taxes on life insurance? Usually no income tax on the death benefit, but interest, installments,…
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Why a Widow Should Consider the Portability Election Even When No Estate Tax Is Due

The portability election lets a widow keep her husband’s unused estate tax exclusion. How it works in 2026,…
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Asset Location Strategy: Which Investments Belong in Which Account

Asset location is where each investment sits across your 401(k), Roth, taxable brokerage, and HSA. The same holding…
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Should You Fire Your Financial Advisor After Divorce?

Written by Hazel Secco, CFP®, a fee-only fiduciary advisor. Table of contents Should you fire your financial advisor…

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MongoDB Employee Benefits: The Complete 2026 Guide

Author: Hazel Secco, CFP®, CDFA® Table of contents MongoDB is another New York flagship: headquartered in midtown, public…

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LinkedIn Employee Benefits: The Complete 2026 Guide

Author: Hazel Secco, CFP®, CDFA® Table of contents LinkedIn occupies a distinctive spot in New York tech: a…

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Netflix Employee Benefits: The Complete 2026 Guide

Author: Hazel Secco, CFP®, CDFA® Table of contents Netflix pays differently than nearly every other large company, and…

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How Much Does a Single Woman Need to Retire? The Real Math

Author: Hazel Secco, CFP®, CDFA® 🎧 Prefer to watch or listen? I cover this in the Align Your…

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7 Financial Mistakes Widows Make in the First Two Years

Author: Hazel Secco, CFP®, CDFA® Table of Contents Most of the financial mistakes widows make are reasonable decisions…

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Is $2 Million Enough to Retire at 60? What It Pays, What Changes the Answer, and 3 Women Who Show It

Is $2 million enough to retire at 60? What it pays per year at 3% to 4%, the…
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Can I Retire at 60? The Math, the 3 Gap-Year Problems, and a 7-Point Checklist

Can you retire at 60? How much you need, the health insurance and Social Security gap, the tax…
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What a New Widow Should Decide This Year, and What Should Wait

The first-year money decisions a new widow can safely defer 12 months, and the 6 deadlines (COBRA, disclaimer,…
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Social Security Widow Benefits, Explained: Who Qualifies, How Much, and When to Claim

Social Security widow benefits explained for 2026: who qualifies, how the 71.5% to 100% amount is set, the…
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Microsoft Employee Benefits: The Complete 2026 Guide

Author: Hazel Secco, CFP®, CDFA® Table of Contents Microsoft employee benefits are, dollar for dollar, one of the…

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The Inherited IRA 10-Year Rule: How to Draw Down a $1.2 Million IRA When You Are Still Earning $400,000

Inherited IRA 10-year rule, 2026: when annual RMDs apply, the 25% penalty, and four ways to draw down…
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The 401(k) Catch-Up Rule That Quietly Changed for High-Net-Worth Women

Earned over $150,000 in 2025? Your 2026 401(k) catch-up contributions must now be Roth. What the SECURE 2.0…
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Amazon Employee Benefits: The Complete 2026 Guide

Author: Hazel Secco, CFP®, CDFA® Table of Contents Amazon employee benefits look generous on paper, and they are….

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MetLife Employee Benefits: The Complete 2026 Guide

Author: Hazel Secco, CFP®, CDFA® If you work at MetLife, your benefits package runs deeper than the enrollment…

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Pension Lump Sum or Annuity: How a Woman Executive With $2M Should Decide

Pension lump sum or annuity? How a woman executive with $2M should compare the payout rate, survivor option,…
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Widowed Before 60: What Changes When You Are Still Working, the Kids Are Home, and the Money Is Suddenly Yours

Advice for young widows: what changes with Social Security before 60, your paycheck, the retirement accounts, taxes, the…
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NJ Retirement Income Exclusion: How a Woman With $2 Million Keeps It, and When to Let It Go

The NJ retirement income exclusion explained for 2026: the $75,000 and $100,000 limits, the two income steps, what…
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Financial Planning for Women: What Changes When the Money Is Already Built

Financial planning for women with real money to protect: retirement income, single-filer taxes, Social Security timing, and the…
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Retiring With $2 Million vs $5 Million: What Women Actually Keep After Tax

$2 million nets about $12,377 a month and $5 million about $21,414, 2.5 times the portfolio for 1.7…
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Retirement Planning for Single Women: The 5 Decisions That Are Different

Retirement planning for single women runs on one income, one Social Security check, and single-filer brackets. The five…
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You Have Two Social Security Checks. Only One Should Wait Until 70

For married couples, the higher earner’s Social Security check becomes the survivor’s income and should wait until 70….
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If You Have $3 Million and All of It Is Pre-Tax, Here Is the Tax Bill Waiting at 75

A $3M pre-tax 401(k) means an RMD near $183,000 at 75, taxed Social Security, and a Medicare surcharge…
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Merck Employee Benefits: The Complete 2026 Guide

Merck 401(k) match, the two-formula pension, RSU vesting and pro-rata rules, and the U.S. Separation Benefits Plan, from…
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Sequence of Returns Risk: What a Bad First Five Years Does to a $3 Million Retirement, and the Four Defenses That Work

Sequence of returns risk replayed on $3M with real 2000 to 2025 returns: same average, a $6.2M gap…
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When Should a Woman With $2 Million Claim Social Security? The Single, Divorced, and Widowed Answers for 2026

When should a woman claim Social Security? 2026 answers for single, widowed, and divorced women with $2M: why…
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Retiring in a High-Tax State: What New Jersey, New York, and California Actually Cost a Woman With $3 Million

New Jersey, New York, and California each tax a $3M retirement differently. The 2026 exclusions, the NJ $150,000…
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Estimated Tax Payments on RSUs, Stock Sales, and Roth Conversions: The 2026 Guide for High-Net-Worth Women

RSU vests, stock sales, and Roth conversions in one year can leave you underpaid by six figures. The…
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Financial Advisor for Equity Compensation: What to Ask Before Your Next Vest Date

What a financial advisor for equity compensation should know about RSUs, ISOs, NQSOs, and ESPPs, and the questions…
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How Much Does a Wealth Manager Cost? What to Expect With $1 Million or More

How much does a wealth manager cost with $1 million or more? 2026 fee ranges, AUM vs flat…
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Wealth Management vs. Financial Planning: Which One Do You Actually Need?

Wealth management vs financial planning, explained at the $1.8M level: what each delivers, who does the work after,…
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Johnson & Johnson Employee Benefits: The Complete 2026 Guide

About this guide. Align Financial Solutions is not affiliated with, endorsed by, or sponsored by Johnson & Johnson….

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Frequently Asked Questions

1. What is the Align Your Retirement podcast about?

Align Your Retirement is a free podcast hosted by Hazel Secco, CFP®, CDFA®, founder of Align Financial Solutions. Each episode helps women plan the years right before and after retirement, covering retirement income, tax planning, and turning savings into a paycheck that lasts.

2. Who is the podcast for?

It’s made for women in their 40s, 50s, and 60s who are serious about retirement and want expert guidance. Many listeners are the financial decision-maker in their household and are five to ten years from retiring or recently retired.

3. What is the "retirement runway"?

The retirement runway is the five-to-ten-year window before and after you stop working. It matters because the risk of poor market timing on your withdrawals is structurally highest during this stretch, which makes income and tax decisions especially consequential.

4. Who hosts Align Your Retirement?

Hazel Secco, a Certified Financial Planner™ (CFP®) and Certified Divorce Financial Analyst® (CDFA®), and founder of Align Financial Solutions, a fee-only fiduciary registered investment adviser serving women across the United States.

5. Where can I listen?

Free on Spotify and Apple Podcasts. New episodes are added weekly.