--- title: Opportunities and Obstacles for a Successful Retirement description: A Discussion with François Gadenne, Jan Gundersen, CFA®, and Lori Lucas, CFA®, moderated by Robert Powell, CFP®, RMA® on Retirement Planning. image: https://content.investmentsandwealth.org/hubfs/opportunities-and-obstacles-pod-thb.jpg --- [Skip to content](https://content.investmentsandwealth.org/podcast/opportunities-and-obstacles-for-a-successful-retirement-podcast#main-content) [![Investments & Wealth Institute ](https://content.investmentsandwealth.org/hubfs/content-hub/iwi_logo_w294_h46.svg "Investments & Wealth Institute ")](https://investmentsandwealth.org/) Explore - [All Content](https://4812204.hs-sites.com/content-hub) - [Video](https://4812204.hs-sites.com/content-hub?type=Video) - [eBook](https://4812204.hs-sites.com/content-hub?type=eBook) - [Case Study](https://4812204.hs-sites.com/content-hub?type=Case+Study) - [Blog](https://4812204.hs-sites.com/content-hub?type=Blog) - [Podcasts](https://4812204.hs-sites.com/content-hub?type=podcast) - [Webinars](https://4812204.hs-sites.com/content-hub?type=webinar) - [Find An Advisor](https://www.investmenthelp.org/) - [Contact](https://investmentsandwealth.org/contact-us) - [My Dashboard](https://portal.investmentsandwealth.org/s/login/?startURL=%2Fs%2Fhome-page) - Certifications - [CIMA](https://investmentsandwealth.org/certifications/cima-certification) - [CPWA](https://investmentsandwealth.org/certifications/cpwa-certification) - [RMA](https://investmentsandwealth.org/certifications/rma-certification) - [Help Me Choose](https://investmentsandwealth.org/certifications/compare-iwi-certifications) - [Online Education](https://investmentsandwealth.org/online-learning-financial-advisor-ce) - [Conferences & Events](https://investmentsandwealth.org/financial-advisor-conferences-events) - [Experience 2026](https://experience.investmentsandwealth.org) - [Membership](https://investmentsandwealth.org/membership) - [Publications & Resources](https://content.investmentsandwealth.org/) - [Partner Solutions](https://investmentsandwealth.org/partner-and-sponsor) - [About](https://investmentsandwealth.org/about/mission-purpose-value) Podcast # Opportunities and Obstacles for a Successful Retirement March 31, 2025 Admin A Discussion with François Gadenne, Jan Gundersen, CFA®, and Lori Lucas, CFA®, moderated by Robert Powell, CFP®, RMA® In this episode of the Investments & Wealth Institute’s Exceptional Advisor podcast, host Bob Powell leads a Retirement Management Journal panel with Lori Lucas, Françoise Gaden, and Yan Gunderson on the most pressing retirement-planning issues advisors can help clients navigate. The conversation focuses heavily on caregiving and disability—how common they are, how they can accelerate retirement, strain assets, increase debt, and heighten anxiety—and why advisors have a major opportunity to step in by modeling these realities in retirement projections, helping clients plan proactively, and building a stronger “centers of influence” network (elder-law attorneys, geriatric care managers, social workers, etc.). The panel also explores how retirement planning shifts from accumulation to “immunizing” specific risks (like longevity, inflation, healthcare), why one-size-fits-all product solutions often fall short, and how advisors must guide clients through trade-offs and more personalized “product allocation.” They close by comparing the U.S. retirement system to other countries’ approaches (availability, mandates, stronger social floors), emphasizing practical improvements like better defaults and reducing retirement “leakage,” and underscoring that the real value of advice is helping clients ask better questions and ultimately use their resources to support a higher quality retirement life—not just avoid running out of money. Also Available On: [YouTube →](https://youtu.be/pzvYaa3xoEA?si=UsrHTrd-TZboj8eR) [Apple Podcasts →](https://podcasts.apple.com/us/podcast/opportunities-and-obstacles-for-a-successful-retirement/id1436637266?i=1000687555905) [Retirement Planning](https://content.investmentsandwealth.org/?topic=Retirement+Planning) Share: [mailto:?subject=Opportunities+and+Obstacles+for+a+Successful+Retirement&body=https%3A%2F%2Fcontent.investmentsandwealth.org%2Fpodcast%2Fopportunities-and-obstacles-for-a-successful-retirement-podcast](mailto:?subject=Opportunities+and+Obstacles+for+a+Successful+Retirement&body=https%3A%2F%2Fcontent.investmentsandwealth.org%2Fpodcast%2Fopportunities-and-obstacles-for-a-successful-retirement-podcast) Subscribe to the Institute Insider Get the latest publications, podcast episodes, and resources in our biweekly editorial newsletter. ## About The Exceptional Advisor *The Exceptional Advisor* is a monthly podcast from the Investments & Wealth Institute focused on the issues shaping the advisory profession. Host Sean Walters sits down with leading thinkers to unpack markets, policy, technology, and client behavior, translating what matters into insights advisors can use right away. ## More Podcasts ### [![Two Credentialing CEOs on the Future of Advice](https://content.investmentsandwealth.org/hubfs/IWI-ExceptionalAdvisor-HostandGuest-1920x1080-Episode-7.png) Two Credentialing CEOs on the Future of Advice July 14, 2026](https://content.investmentsandwealth.org/podcast/future-of-financial-advice-the-exceptional-advisor-podcast) ### [![AI and the Meaning of Money with Mark Casady](https://content.investmentsandwealth.org/hubfs/IWI-ExceptionalAdvisor-HostandGuest-1920x1080-Episode-6.png) AI and the Meaning of Money with Mark Casady June 09, 2026](https://content.investmentsandwealth.org/podcast/ai-and-the-meaning-of-money-with-mark-casady) ### [![The Future of Advice with Michael Kitces](https://content.investmentsandwealth.org/hubfs/IWI-ExceptionalAdvisor-HostandGuest-1920x1080-Episode-5.jpg) The Future of Advice with Michael Kitces May 08, 2026](https://content.investmentsandwealth.org/podcast/the-future-of-advice-with-michael-kitces) [![white_logo_horizontal 1](https://content.investmentsandwealth.org/hubfs/Assets%20-%20LP/white_logo_horizontal%201.png)](https://content.investmentsandwealth.org/) #### Get Certified - [Compare Certifications](https://investmentsandwealth.org/certifications/compare-iwi-certifications) - [CIMA Certification](https://investmentsandwealth.org/certifications/cima-certification) - [CPWA Certification](https://investmentsandwealth.org/certifications/cpwa-certification) - [RMA Certification](https://investmentsandwealth.org/certifications/rma-certification) #### About us - [About Us](https://investmentsandwealth.org/about) - [Board of Directors](https://investmentsandwealth.org/about/governance) - [Leadership Team](https://investmentsandwealth.org/about/leadership-team) - [Newsroom](https://investmentsandwealth.org/advisor-publications/newsroom) - [Careers](https://investmentsandwealth.org/institute-careers) - [Privacy Policy](https://investmentsandwealth.org/privacy-policy) #### Support - [Contact Us](https://investmentsandwealth.org/contact-us) - [File a Complaint](https://investmentsandwealth.org/about/governance/report-or-file-a-complaint) © Copyright 2026 by Investments & Wealth Institute ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Admin", "url" : "https://content.investmentsandwealth.org/podcast/author/admin" }, "dateModified" : "2026-03-09T17:49:56.535Z", "datePublished" : "2025-03-31T18:00:00.000Z", "headline" : "Opportunities and Obstacles for a Successful Retirement", "image" : [ "https://content.investmentsandwealth.org/hubfs/opportunities-and-obstacles-pod-thb.jpg" ], "mainEntityOfPage" : { "@id" : "https://content.investmentsandwealth.org/podcast/opportunities-and-obstacles-for-a-successful-retirement-podcast", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://content.investmentsandwealth.org/hubfs/IWI%20Logos/IWI%20Logo%20Horizontal/180227_4C_LOGO_Horizontal.png" }, "name" : "Investments & Wealth Institute" } } ```