NEW YORK - s4story -- This week on Moving America Forward, nationally recognized retirement expert Tom Hegna sits down with Brian Moon and Mubashir Subhani of Toro Bravo Investment Advisors to discuss strategies designed to help Americans build more sustainable and stress-free retirements.

Moon, Chief Compliance Officer, and Subhani, Chief Research Officer, are both Retirement Income Certified Professionals (RICP), Registered Social Security Analysts (RSSA), Certified Fiduciaries, and wealth managers dedicated to helping retirees create dependable income throughout retirement.

During the interview, the advisors explained why many retirees face unnecessary risk by relying solely on portfolio growth rather than focusing on reliable income streams and cash flow strategies.

"Too often retirees are told to spend less during market downturns," said Moon. "We believe retirement should be built around sustainable income that allows people to continue enjoying their lives regardless of market volatility."

The discussion highlighted several key areas of retirement planning, including Social Security optimization, tax-efficient income strategies, risk management, and retirement cash flow planning.

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As Registered Social Security Analysts, Moon and Subhani emphasized that claiming Social Security benefits at the wrong time can cost retirees thousands of dollars over their lifetimes. Their approach helps clients evaluate filing strategies based on individual circumstances such as marital status, children, retirement age, and survivor benefits.

The advisors also addressed the importance of preparing for major retirement risks, including market downturns, healthcare expenses, and longevity risk.

Moon, author of The Ultimate Retirement Guide: Retire Like You're on Apollo 13, compared retirement planning to NASA's famous mission, explaining that preparation and contingency planning are critical when unexpected challenges arise.

Subhani discussed his upcoming book, Check Your Retirement Tires, which focuses on five major retirement concerns: taxes, income, risk, estate planning, and Social Security strategies.

The interview also explored the role that guaranteed income sources, annuities, life insurance, and long-term care planning can play in creating a stable retirement foundation while preserving lifestyle and financial independence.

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"Our goal is simple," said Subhani. "We want clients to enjoy retirement without constantly worrying about market swings or running out of money."

Viewers are invited to tune in to CNBC on Saturday, July 18th, at 7:30 a.m. EST, for this informative conversation on retirement planning. The upcoming segment is scheduled to air as sponsored programming designed to promote financial awareness across America. Below is a sneak peek:

https://www.youtube.com/watch?v=-lwoahIw6Vc



Moving America Forward, previously hosted by William Shatner, highlights entrepreneurs, innovators, and business leaders making a positive impact across America through leadership, innovation, and service.

For more information about Toro Bravo Investment Advisors, educational resources, podcasts, and retirement planning tools, visit https://www.torobravoadvisors.com.