Del-Sette Capital Management

05/10/2026

🌸 Happy Mother’s Day from our entire team to yours.

To every mother, grandmother, and mother figure in our client family — today is for you.

We’re also taking a moment to celebrate the incredible people on our team who are marking the day in their own special way — spending time with their children, their moms, and the people who matter most.

📸 Ann with her littles
📸 Jennifer with her son
📸 Brianna & Dana — our mother-daughter tax team duo
📸 Jeremy hitting the trails with his mom and family

Wishing you a day full of love and laughter. 🌷
— The Del-Sette Capital Management Team

05/06/2026

We’re happy to support the food bank through Catholic Charities Tri-County Services. Enjoyed attending “A Place at the Table!”

03/15/2026

Are you overestimating what you really know about retirement? 🤔
If you've built wealth and managed your career, you might be falling victim to the Dunning-Kruger effect when it comes to retirement planning without even realizing it.
The truth is, our confidence in retirement planning often outpaces our actual understanding, and that can be risky.
Drop a line if you’ve ever underestimated how tricky retirement really is — understanding your limits can be your superpower.
Knowing where your confidence stops helps you build a smarter, happier retirement. Confidence paired with humility is key.

03/09/2026

https://www.del-sette.com/happinessinretirementpodcast/the-five-pillars-of-happiness-in-retirement

🌟 New Episode Alert: Happiness in Retirement Podcast! 🌟

Hello, everyone! I'm excited to share the latest episode of the Happiness in Retirement Podcast, where we dive deep into what it truly means to enjoy your golden years. This week, I want to highlight three key takeaways that can help you design a fulfilling and meaningful retirement.

Retirement is More Than Just Financial Planning
Many people believe that retirement planning is solely about accumulating enough money to last a lifetime. While financial security is crucial, I've learned through my years of experience that the biggest challenges retirees face are often personal, not financial. It's essential to ask yourself deeper questions like, "What gives my life meaning?" and "How do I want to spend my time now that I'm not on a schedule?" Designing your life in retirement is just as important as having a solid financial plan.

The Five Pillars of Happiness in Retirement
Based on extensive research, including the renowned Harvard Study of Adult Development, I've identified five key pillars that contribute to happiness in retirement: Purpose, Relationships, Health, Time Freedom, and Experiences. These elements are interconnected and play a vital role in creating a fulfilling life after work. For instance, having a sense of purpose can lead to stronger relationships, and maintaining good health allows you to enjoy your newfound time freedom.

Take Action with Purposeful Exercises
In this episode, I provide practical exercises to help you reflect on your retirement goals. From imagining your ideal day to identifying the five people you want to spend time with, these activities are designed to help you take actionable steps toward a happier retirement. Remember, it's not just about what you have; it's about how you choose to live your life.

I invite you to listen to the full episode for more insights and strategies to make your retirement the best chapter of your life. If you find value in this episode, please share it with friends and family who might benefit from it. Together, let's create a happy, healthy, and financially secure retirement!

Thank you for being part of this journey with me! Your support means the world.

Welcome to another enlightening episode of the Happiness in Retirement Podcast! I’m your host, Bill Del-Sette, a certified financial planner and registered life planner. In this episode, we delve deep into the often-overlooked aspects of retirement planning that go beyond just financial security. ...

02/22/2026

https://www.del-sette.com/happinessinretirementpodcast/three-emotional-triggers-that-can-ruin-your-retirement-happiness

🌟 New Episode Alert: Emotional Guardrails in Retirement 🌟

Hello, everyone! I'm excited to announce the latest episode of the Happiness in Retirement Program podcast! 🎙️ In this episode, we dive deep into the emotional aspects of retirement and how they can significantly impact your financial decisions. Here are three key takeaways that I believe will resonate with many of you:

Understanding Market Volatility 📉
When markets fall, it’s easy to feel triggered and anxious. In retirement, the emotional weight of market declines can feel personal, especially when you're withdrawing funds instead of contributing. I discuss the importance of establishing emotional guardrails to help you navigate these turbulent times. Remember, selling during a market decline can turn a temporary setback into a permanent loss. Instead, consider checking in with your financial advisor and resist the urge to make impulsive decisions based on fear.

Longevity Anxiety: Spending Less Over Time ⏳
Many retirees worry about outliving their savings, but research shows that spending tends to decline as we age. I emphasize the importance of separating essential expenses from discretionary spending. If your essential needs are covered through fixed income sources like pensions and Social Security, you can enjoy your retirement without the constant fear of running out of money. Understanding this can help you embrace your retirement years with confidence!

Finding Meaning Beyond Money 💡
Retirement is not just about financial stability; it’s also about redefining your identity and finding purpose. Many people tie their self-worth to their careers, and when that title and routine disappear, it can lead to feelings of loss. I encourage you to think about what gives your life meaning and how you can cultivate that in retirement. Whether it’s volunteering, pursuing hobbies, or spending time with loved ones, having a plan for your post-work life is crucial for emotional well-being.

I hope you find these insights helpful as you navigate your retirement journey. If you enjoyed this episode, please share it with friends and family, and don’t hesitate to reach out with any questions at [email protected]. Let’s make your golden years the best years! 🌈

Listen to the full episode now and let’s embark on this adventure together! 🎧✨

In this episode of the Happiness in Retirement podcast, I delve into the emotional aspects of retirement and how they can impact your financial decisions. We explore the concept of emotional guardrails, emphasizing the importance of managing your emotions during market volatility. Throughout the ep

02/01/2026

🌟 New Episode Alert: Happiness in Retirement® Podcast! 🌟
Hello, everyone! I'm excited to share our latest episode of the Happiness in Retirement® Podcast, where we dive deep into the essential topic of planning for happiness, regardless of what life throws at you. 🎧✨
In this episode, I discuss the importance of creating a flexible and resilient retirement plan that can adapt to life's uncertainties. Here are three key takeaways that I believe will resonate with you:
1. Embrace Uncertainty: One of the biggest myths in retirement planning is the belief that we can predict the future. The truth is, life is inherently uncertain, and our plans should reflect that. Instead of seeking certainty, we should focus on building a life that works even when the unexpected happens. This shift in mindset allows us to lead a fulfilling life, regardless of circumstances.
2. Design for Resilience: Good retirement planning isn't just about financial forecasts; it's about designing a life filled with meaning and purpose. Research shows that lifestyle planning is a stronger predictor of retirement satisfaction than financial preparation alone. Ask yourself: How will you spend your days in retirement? Who will you connect with? By prioritizing these questions, you can create a plan that supports your happiness and well-being.
3. Flexibility Over Perfection: Retirement is not a one-time decision but a series of experiments. You don’t have to get it right the first time! Consider trying out a retirement budget before fully retiring or testing different travel locations instead of committing to one. Flexibility in your planning allows you to adapt and respond to changes, ultimately leading to greater confidence in your retirement journey.
I encourage you to listen to the full episode for more insights and practical advice on how to navigate your retirement with joy and resilience. Remember, you don’t need certainty; you need a plan that supports the life you want to live!
As always, I’d love to hear your thoughts and experiences, so feel free to reach out or leave a comment below! Here’s to a happy, healthy, and financially secure retirement! 🌈💰

In this episode of the Happiness in Retirement podcast, I, Bill Del Sette, delve into the essential topic of planning for happiness in retirement, regardless of life's uncertainties. I emphasize that good retirement planning isn't about predicting the future but rather about creating a life that rem

01/18/2026

1. 💭 Have you ever wondered if money really brings happiness?

After years of helping people with their finances, I’ve learned that true happiness often comes from simple things—like relationships, hobbies, and experiences.

Let’s focus on what truly matters! What brings you joy beyond money? Share your thoughts in the comments!



2. 🚀 Did you know that strong relationships are the biggest predictor of long-term happiness?

In my latest podcast, I dive deep into the importance of connections over cash. It’s fascinating how wealth doesn’t equal happiness! Google the Harvard Study on Happiness Ted Talk to learn more.

What’s your take on this? Have you prioritized relationships in your life? Let’s chat!



3. 📈 More money doesn’t always mean more happiness!

I’ve experienced this firsthand—earning more didn’t make me happier. Instead, it’s the simple things like walks with my dogs and reading that light me up!

What simple pleasures bring you joy? Comment below!



4. 🤔 Is chasing wealth robbing us of our happiness?

Join me as I explore how meaningful experiences often outweigh material possessions in the quest for joy. Let’s shift our focus back to what truly matters!

What’s one experience you cherish? Share it with us!



5. 🌱 Want to live a more meaningful life? Focus on what lights you up!

From my own journey, I’ve learned that happiness comes from passion, relationships, and experiences—not just money. Money is the icing - not the cake!

What are you passionate about? Let’s inspire each other in the comments!

In this episode of the Happiness in Retirement podcast, host Bill DelSette shares his personal journey and insights on the relationship between money and happiness. Drawing from his experiences growing up in foster care and working various jobs from a young age, he emphasizes the importance of work

01/09/2026

https://youtu.be/ocVnWJpAcmg

In this episode of the Happiness in Retirement podcast, I had the pleasure of interviewing Glen Allen from Del Sette Capital Management, who is on the cusp o...

01/09/2026

https://www.del-sette.com/happinessinretirementpodcast/finding-happiness-insights-with-pending-retiree-and-retirement-planner-glen-allen-cfp

🌟 New Episode Alert: Insights on Retirement with Glen Allen! 🌟

Hey everyone! I'm excited to share our latest episode of the Happiness in Retirement Podcast, where we dive deep into the journey of retirement planning and what it truly means to transition from a career to a fulfilling retirement.

This week, I had the pleasure of interviewing Glen Allen from Del Sette Capital Management, who is on the cusp of retirement himself. Here are three key takeaways from our enlightening conversation:

1. The Importance of Identity in Retirement: One of the most profound insights Glen shared is how closely tied our identities can be to our work. As he prepares to retire, he acknowledges that a significant part of his self-worth and daily stimulation comes from his job. This is a common sentiment, and it highlights the need for all of us to think about what our lives will look like post-retirement. It’s not just about financial readiness; it’s about finding new ways to feel fulfilled and engaged.

2. Navigating the Emotional Landscape: Glen candidly discussed the emotional challenges that can accompany retirement, particularly for men who may find their identities wrapped up in their careers. He emphasized the importance of having a plan for how to fill the void left by work. Whether it’s through volunteering, pursuing hobbies, or spending time with family, finding meaningful activities is crucial to a happy retirement. This is a reminder for all of us to consider how we can maintain a sense of purpose as we transition into this new phase of life.

3. Planning Beyond Finances: While financial security is essential, Glen pointed out that many people overlook the lifestyle aspect of retirement planning. It’s not just about how much money you have saved; it’s also about how you will spend your time and what kind of life you want to create. He encourages listeners to start thinking about their retirement lifestyle well in advance, including travel, hobbies, and community involvement. This holistic approach to retirement planning can lead to a more satisfying and enjoyable experience.

I hope you find these insights as valuable as I did! If you’re approaching retirement or just curious about the journey, this episode is packed with wisdom and practical advice. Tune in now to hear Glen’s full story and get inspired for your own retirement adventure! 🎧✨

As always, thank you for being part of our community. Let’s continue to support each other in making our golden years the best years!

In this episode of the Happiness in Retirement podcast, I had the pleasure of interviewing Glen Allen from Del Sette Capital Management, who is on the cusp of retirement. We explored the multifaceted emotions surrounding retirement, from the excitement of newfound freedom to the challenges of leavin

01/09/2026

https://www.del-sette.com/happinessinretirementpodcast/finding-happiness-insights-with-pending-retiree-and-retirement-planner-glen-allen-cfp

🌟 New Episode Alert: Insights on Retirement with Glen Allen! 🌟
Hey everyone! I'm excited to share our latest episode of the Happiness in Retirement Podcast, where we dive deep into the journey of retirement planning and what it truly means to transition from a career to a fulfilling retirement.
Click Here to Listen Now
This week, I had the pleasure of interviewing Glen Allen from Del Sette Capital Management, who is on the cusp of retirement himself. Here are three key takeaways from our enlightening conversation:
1. The Importance of Identity in Retirement: One of the most profound insights Glen shared is how closely tied our identities can be to our work. As he prepares to retire, he acknowledges that a significant part of his self-worth and daily stimulation comes from his job. This is a common sentiment, and it highlights the need for all of us to think about what our lives will look like post-retirement. It’s not just about financial readiness; it’s about finding new ways to feel fulfilled and engaged.
2. Navigating the Emotional Landscape: Glen candidly discussed the emotional challenges that can accompany retirement, particularly for men who may find their identities wrapped up in their careers. He emphasized the importance of having a plan for how to fill the void left by work. Whether it’s through volunteering, pursuing hobbies, or spending time with family, finding meaningful activities is crucial to a happy retirement. This is a reminder for all of us to consider how we can maintain a sense of purpose as we transition into this new phase of life.
3. Planning Beyond Finances: While financial security is essential, Glen pointed out that many people overlook the lifestyle aspect of retirement planning. It’s not just about how much money you have saved; it’s also about how you will spend your time and what kind of life you want to create. He encourages listeners to start thinking about their retirement lifestyle well in advance, including travel, hobbies, and community involvement. This holistic approach to retirement planning can lead to a more satisfying and enjoyable experience.
I hope you find these insights as valuable as I did! If you’re approaching retirement or just curious about the journey, this episode is packed with wisdom and practical advice. Tune in now to hear Glen’s full story and get inspired for your own retirement adventure! 🎧✨
As always, thank you for being part of our community. Let’s continue to support each other in making our golden years the best years!

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