MoneyMattersUSA® with Fred Saide: Recent Episodes
Fred Saide
Fred Saide discusses proper planning to and through retirement. His goal is to provide information on financial matters related to planning a successful retirement. Fred discusses everything from saving strategies pre-retirement to building income and realizing the proper growth and protection necessary in retirement.
In Episode 171 of Money Matters USA, Fred Saide discusses essential strategies for wealth preservation, particularly for those in retirement. He emphasizes the importance of having a solid financial plan, understanding risk tolerance, budgeting for cash flow, and optimizing taxes. Additionally, he touches on the significance of legacy planning and ensuring that one's assets are distributed according to their wishes. The conversation provides valuable insights into managing finances effectively to secure a stable retirement and leave a lasting legacy.
Reach Fred at 800-593-8188.
Money Matters USA
www.moneymattersusa.net
www.wealthensure.com
See omnystudio.com/listener for privacy information.
In Episode 170, Fred Saide addresses common concerns of retirees and pre-retirees and shows how to ease them. Topics discussed included market volatility, Social Security, health care both physical and financial, long term care, and inflation.
Reach Fred at 800-593-8188.
Money Matters USA
www.moneymattersusa.net
www.wealthensure.com
See omnystudio.com/listener for privacy information.
In Episode 169, Fred Saide discusses the critical importance of estate planning for retirees, emphasizing the need for a comprehensive plan to ensure assets are distributed efficiently and according to one's wishes. He highlights the common pitfalls of probate and the necessity of tax-efficient strategies for wealth transfer. Additionally, Fred addresses the significance of long-term care planning and how it can impact legacy assets, urging listeners to take action now to protect their financial future.
Reach Fred at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
In Episode 168, Fred Saide discusses the challenges facing Americans in retirement, including the perception of unpreparedness, the complexities of Social Security, and the importance of healthcare planning. He emphasizes the need for comprehensive financial strategies to navigate inflation, manage risks, and ensure a secure retirement income. The conversation highlights the significance of understanding retirement goals, the impact of inflation on savings, and the necessity of diversifying assets to mitigate risks.
Reach Fred at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
In Episode 167 of Money Matters USA, David Esposito, President and CEO of ONL Therapeutics, shares insights from his military background and how it shaped his leadership style. He discusses the dynamics of working in small biotech companies versus large corporations, the challenges of treating retinal diseases, and the importance of AI in early detection. David also delves into the FDA approval process and the innovative approaches ONL Therapeutics is taking to improve patient outcomes.
Reach Fred at 800-593-8188.
Money Matters USA
https://harvesttimepartners.com
https://onltherapeutics.com
See omnystudio.com/listener for privacy information.
In episode 166 of Money Matters USA, Fred Saide discusses the various traps retirees face due to hasty decisions made during retirement planning. He emphasizes the importance of understanding the changing landscape of retirement, the critical role of Social Security, and the need for effective income strategies, including annuities. The conversation also covers healthcare costs, long-term care planning, the impact of inflation, and the necessity of having a flexible retirement plan that can adapt to changing circumstances.
Reach Fred at 800-593-8188.
Money Matters USA
Concerned about the election’s impact on your taxes and estate plan? This FREE event has you covered! Join us on October 16th in Green Brook Township, NJ for an essential discussion on how the presidential candidates’ tax proposals might influence your financial future. Led by Frederick Saide, Ph.D., an expert in tax diversification, tax optimization, and estate planning. Explore how to:
- Shield your assets and reduce your tax burden with potential new tax laws
- Strategies to ensure your investment and retirement savings remain secure
- Plan effectively for elder care and protect your legacy for further generations.
Choose between morning and evening sessions! Enjoy bagels & coffee or wine & cheese. Seats are limited to the size of the room—register now!
Secure your spot here:
moneymattersusa.net/seminars For immediate assistance, call 800-593-8188 or visit moneymattersusa.net/connect
See omnystudio.com/listener for privacy information.
Episode 165 features the three-year podcast anniversary. It actually should have been held on Episode 156 but better late than never. Fred discusses the current economic uncertainties and provides actionable steps for listeners to navigate these challenges. He emphasizes the importance of retirement planning strategies, particularly in optimizing Required Minimum Distributions (RMDs) and considering tax implications. The conversation also delves into the political landscape and its potential impact on financial planning, especially regarding estate taxes and charitable giving. As the year comes to a close, Fred highlights year-end financial strategies, including the benefits of bunching charitable donations and the significance of healthcare planning in light of upcoming Medicare changes. Finally, he advises listeners to review their investment strategies and make necessary adjustments for the fourth quarter.
Reach Fred at 800-593-8188.
Money Matters USA
Money Matters USA-additional website-www.wealthensure.com
See omnystudio.com/listener for privacy information.
In Episode 164, Fred discusses the complexities of retirement planning, emphasizing the importance of having a written plan, setting realistic goals, and understanding the implications of investment strategies and taxes. He highlights the need for professional guidance in navigating these challenges, especially in light of potential political changes and the realities of extended longevity. The conversation also touches on the significance of health and long-term care planning, as well as the necessity of tax diversification.
Reach Fred at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
On Episode 163, Fred discusses the complexities of retirement planning, emphasizing that it's not just about accumulating wealth but understanding personal goals and needs. He highlights the importance of working with a fiduciary, the role of AI in financial planning, and the necessity of creating a comprehensive retirement income plan. The conversation also covers long-term care costs, the challenges facing Social Security, and strategies for tax-efficient withdrawals and income diversification.
Reach Fred at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
In Episode 162, Fred Saide discusses various financial topics related to retirement planning. He highlights the retirement disconnect, where many Americans are giving up on the ability to retire due to financial pressures caused by inflation. He emphasizes the importance of proper planning and the challenges of do-it-yourself retirement planning. Fred also discusses the potential impact of future tax changes on retirement savings and the benefits of Roth conversions. He addresses common financial regrets, the fear of running out of money in retirement, and the misconceptions surrounding Social Security benefits. Fred concludes by emphasizing the need for intelligent conversations and new policies to address the complex financial landscape.
Reach Fred at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
In Episode 161, Fred discusses various aspects of retirement planning covering topics such as divorce, creating a retirement spending plan, maximizing Social Security benefits, withdrawal strategies, healthcare planning, and finding purpose in retirement. Fred emphasizes the importance of creating a budget, understanding one's financial needs, and optimizing Social Security. He also highlights the significance of tax efficiency, maintaining a healthy lifestyle, and continuing to learn in retirement. The conversation concludes with a discussion on pursuing happiness and finding fulfillment in retirement.
Reach Fred at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
In Episode 160, Fred Saide discusses the nine crucial steps to consider for a smooth and fulfilling retirement. The checklist includes topics such as retirement savings, multiple streams of reliable income, minimizing debt, comprehensive health and long-term care coverage, proper planning for spending and enjoyment, inflation protection, effective estate planning, achieving financial independence, and ensuring low stress and peace of mind in retirement.
Reach Fred at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
In Episode 159, Fred discusses the impact of presidential elections on the economy and explores the economic history of past presidents. He touches on topics such as the current job market, the chances of a recession, the role of the Federal Reserve, and the impact of tax policies. He also discusses issues like healthcare, regulation, immigration, and foreign policy.
Reach Fred at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
In Episode 158, Fred Saide points out that retirement planning is like piecing together a complex puzzle, with each piece being crucial for a secure future. One approach to retirement planning is goals-based retirement planning, where the focus is on creating and achieving realistic goals before discussing income and money. Maximizing social security and identifying other sources of income, such as pensions, annuities, and investments, is important. Savings should be balanced with liquidity, and budgeting and expense management are essential. Health care and long-term care should also be considered, as well as estate planning and tax planning. Hear more in the podcast and Fred’s answer to another Stump the Guru question.
Reach Fred at 479-935-9767.
Money Matters USA
See omnystudio.com/listener for privacy information.
In Episode 157, Fred Saide discusses the importance of estate planning and the mistakes to avoid. He emphasizes the need for a comprehensive estate plan to ensure that your assets are distributed according to your wishes. Fred highlights the importance of updating your estate plan regularly, especially after major life events. He also discusses the tax considerations in estate planning and the need for professional assistance. Fred provides valuable insights into funding trusts, addressing digital assets, and having open conversations about your estate plan with relevant parties.
Reach Fred at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
In Episode 156, Fred Saide discusses the world of Roth IRAs and the benefits of Roth conversions. He emphasizes that it makes sense to consider Roth conversions at any time, especially when tax rates are lower. Saide also highlights the importance of tax diversification and the need to plan for future tax liabilities. He addresses the skepticism some CPAs and financial advisors have towards Roth IRAs and emphasizes the value of tax planning and reducing taxes throughout retirement. Saide encourages listeners to reach out for a no-obligation conversation to explore their options. In the second segment, Fred tackles a Stump the Guru question about Roth IRAs.
Reach Fred at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
In Episode 155, Fred Saide discusses five essential steps for retirement planning: reliable income, budgeting, risk management, healthcare expenses, and estate planning. He emphasizes the importance of having multiple streams of income in retirement and the need to properly manage inflation. Fred also explores different strategies for generating income in retirement, such as social security, pensions, real estate, and dividend-paying investments. He highlights the distinction between the accumulation stage and the de-accumulation stage in retirement planning and the importance of working with a qualified fiduciary.
Reach Fred at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
In episode 154, Fred Saide discusses important considerations for retirement planning, focusing on healthcare expenses, debt management, Social Security claiming strategies, asset allocation, and the impact of inflation. He emphasizes the need for budgeting, long-term care insurance, and a comprehensive plan to address healthcare costs. Saide also explores the challenges facing Social Security and potential solutions, including tax reforms and entitlement adjustments. He highlights the importance of tax allocation planning and the need for certainty in tax regulations.
Reach Fred at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
In Episode 153 of Money Matters USA, Fred Saide discusses the importance of working with a financial professional and the benefits it can bring. He highlights studies that show the significant impact of working with an advisor, including higher returns and better long-term financial outcomes. Saide emphasizes the need for a written retirement plan and the importance of finding a trustworthy advisor who puts your interests first.
Reach Fred at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
In Episode 152, Fred discusses whether retirees should continue to invest in the stock market and how they should allocate their assets. He emphasizes the importance of considering longevity and the need for a steady source of income in retirement. The conversation also touches on healthcare costs, legacy planning, risk tolerance, risk capacity, and the importance of understanding one's budget and desired returns. The episode concludes by highlighting the significance of working with a fiduciary and seeking professional advice.
Reach Fred at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
During an election year, the debate arises about which party, Democrats or Republicans, is more beneficial for the stock market and the economy. However, Fred points out the impact of elections on the markets is not as significant as other factors, such as the actions of the Federal Reserve and government policies. Studies show that there is no clear consensus on whether a Democrat or a Republican is better for the stock market. The markets have their own beat and are influenced by various trends and correlations. Fred stresses it is important for investors to focus on realistic scenarios, assess risks, and make informed decisions based on their individual goals and circumstances.
Reach Fred at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred’s special guest is Corey Carver, Vice-President of Business Development at Magellan Financial and Insurance Services. Fred and Corey discuss the challenges of securing protected income for retirement. They explore the complexities of retirement planning and the importance of reliable and predictable income. They discuss different strategies, such as systematic income withdrawal, bucketing, and retirement income floors. They also highlight the benefits of annuities, including principal guarantees, potential for growth, and the ability to provide lifetime income.
Reach Fred at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred Saide discusses the challenges and changes in retirement planning, focusing on the impact of Social Security, healthcare, the Secure Act, and inflation. He highlights the strain on Social Security and Medicare due to the increasing number of baby boomers reaching retirement age and the system's inability to accommodate this demographic shift. Fred emphasizes the need for a bipartisan commission to address these issues and suggests potential solutions such as tax increases and investing in index funds. He also discusses the elimination of the stretch IRA and the importance of planning for inflation in retirement.
Reach Fred at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
In this episode, Fred Saide provides a comprehensive overview of annuities, their relevance in retirement planning, and the different types of annuities available. He discusses the importance of annuities in providing guaranteed income and addresses the significance of monitoring annuity purchases. Additionally, he emphasizes the need for comprehensive financial planning and estate analysis.
Reach Fred Saide at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred Saide discusses the challenges and statistics related to retirement planning, longevity, market volatility, and the unique challenges faced by women in retirement. He also addresses the importance of guaranteed income, annuities, and the need for comprehensive financial planning. The conversation delves into the impact of inflation, pay equity, and caregiving on women's retirement planning. Additionally, Fred emphasizes the need for social interaction and contingency planning for couples in retirement.
Reach Fred at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
In this conversation, Fred Saide discusses retirement surprises and how to navigate them. He emphasizes the importance of understanding Medicare and making informed choices about healthcare coverage. Fred also explores options for long-term care and the potential costs associated with it. He highlights the need to plan for inflation, taxes, and longevity in retirement. Additionally, he discusses the impact of market volatility and the importance of having a comprehensive retirement income plan.
Reach Fred at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred covers topics such as inflation, government spending, Federal Reserve policies, innovation in the private sector, Social Security and Medicare, and potential solutions for the financial challenges facing the country. The conversation covers various topics related to Social Security, taxes, inflation, and government spending. The main themes include concerns about the future of Social Security, the impact of raising taxes, the need for bipartisan solutions, and the consequences of excessive government spending.
Reach Fred at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred clears up some misconceptions about retirement including how much you’ll spend, how long your retirement may be, believing you can live off less, when you’ll retire, and how much your tax burden will be.
Reach Fred at 800--935-9767.
Money Matters USA
See omnystudio.com/listener for privacy information.
In this conversation, Fred Saide discusses various economic and financial headlines, including the market forecast, inflation concerns, and the impact of longevity on retirement planning. He shares his thoughts on the market performance, the narrow breadth of the stock market, and the potential risks of inflation and stagflation. Saide also emphasizes the importance of understanding the impact of inflation and longevity on retirement income and the benefits of working with a financial advisor. The conversation concludes with a discussion on the future of Social Security and retirement planning.
Reach Fred Saide at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
In this episode, Fred Saide provides tips for boosting retirement savings for individuals who may have started late. He discusses catch-up contributions for individuals over 50, the importance of considering risk tolerance when investing, the option of delaying retirement, and the need to strategically plan for healthcare costs. He also emphasizes the importance of establishing multiple retirement income sources and the need for periodic rebalancing of investment portfolios. Fred concludes by highlighting the significance of understanding Social Security and the importance of creating a personalized financial plan.
Reach Fred at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
In this episode, Fred Saide discusses the importance of communication and agreement between spouses when it comes to financial planning for retirement. He emphasizes the need for both spouses to be involved in financial discussions and decisions, even if there is a division of labor in managing finances. Fred also highlights the importance of discussing and agreeing on goals, such as charitable giving, travel plans, and spending objectives. He advises couples to work with a financial advisor who can serve as a coordinator and help navigate the complexities of retirement planning. Fred also discusses the impact of fees and hidden costs on investment portfolios and the need for regular reviews and updates to investment strategies.
Reach Fred at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred discusses common retirement mistakes and debunks myths about retirement planning. The conversation covers topics such as trying to beat the market, the dangers of keeping all your money in cash, the importance of diversification, the potential risks of being overly cautious with savings, the benefits of strategic real estate decisions, and the misconceptions about Social Security and retirement expenses.
Reach Fred at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
In this episode, Fred Saide discusses lessons from golf that can be applied to retirement planning. He emphasizes the importance of not taking unnecessary risks with retirement funds and having a coherent financial retirement plan. He compares choosing the right club in golf to selecting the right assets and strategies in retirement planning. Fred also highlights the need for professional help in retirement planning and the dangers of letting emotions drive financial decisions. He concludes by discussing common hazards in retirement planning, such as Social Security claiming mistakes and underestimating the impact of taxes and fees.
Reach Fred at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred debunks some bad and questionable financial advice that is prevalent with the advent of social media. He counters with knowledge and experience in the financial industry opinions on the 401(k), debt, following trends, and the F.I.R.E. movement.
You can reach Fred by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
In this conversation, Fred discusses the economic landscape and challenges of retirement planning. He highlights the impact of inflation, government spending, and deficits on retirement savings. Fred emphasizes the importance of budgeting, analyzing spending, and projecting lifetime expenses. He also addresses the role of Social Security, pensions, and the 401(k) in retirement planning.
Reach Fred at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
In this podcast episode, Fred Saide discusses the idea of early retirement and the things you need to know before retiring early. He emphasizes the importance of considering time, money, and health in retirement planning. Fred also highlights the shift in focus from money to time in retirement and the challenges of adjusting to retirement. He introduces the concept of the four phases of retirement and the need to plan and transition into retirement. Finally, Fred discusses the importance of creating a new identity in retirement and addresses the financial aspects of retirement.
You can reach Fred by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
In this episode, Fred Saide discusses taxes in retirement and provides insights into creating tax efficiency. He explains the taxation of retirement income sources, including Social Security benefits, pensions, interest-bearing accounts, stocks, bonds, mutual funds, and dividends. Fred also highlights the tax treatment of life insurance proceeds and the benefits of Roth IRAs compared to traditional IRAs. The episode concludes with a Stump the Guru question about the 60-day rollover rule and potential waivers. You can submit your “Stump the Guru” question on www.moneymattersusa.net.
Click the podcast tab and you’ll see Stump the Guru.
You can reach Fred by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
In this podcast episode, Fred Saide discusses the importance of tax optimization strategies in retirement planning. He highlights the limitations of traditional tax planning and emphasizes the benefits of Roth contributions and conversions. Fred also explores other tax-efficient planning options, such as qualified charitable distributions and life insurance. He addresses the challenges facing Social Security and Medicare and proposes potential solutions. Fred concludes by urging listeners to proactively plan for their retirement and seek professional advice.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
In this conversation, Joe Peters, a residential real estate agent joins Fred Saide. He discusses various aspects of the housing market. He shares his transition from a technology career to real estate and highlights his unique approach that incorporates artificial intelligence. Peters also delves into the challenges of affordability in the housing market and the imbalance between housing supply and demand. The discussion touches on the changing trends in housing, including the potential for multi-generational housing. The conversation concludes with a look at the future outlook for the housing market. Joe and Fred explore various aspects of housing and living preferences in New Jersey. It discusses the need to reconstruct living facilities to match the needs of different individuals and the challenges associated with it. The conversation also delves into the trend of suburban vs. urban living and the appeal of downtown environments. It highlights the housing market in Bridgewater and its diverse population. The historical significance of Somerville and the challenges of multi-family living are also discussed. The conversation concludes with a focus on factors influencing housing decisions, the relationship between community colleges and housing, and the ethnic diversity in Somerset County.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
Joe Peters Real Estate
See omnystudio.com/listener for privacy information.
In this episode, Fred Saide discusses the worst retirement advice you could follow and offers alternative positive strategies. The conversation covers various topics, including the danger of ignoring taxes in retirement planning, the myth of spending less in retirement, the need for Social Security reform, the fallacy of the $1 million retirement goal, the limitations of diversification, the importance of a written retirement plan, and the impact of happiness on population growth.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
In this conversation, Fred Saide discusses the importance of having a written plan for retirement and the need for a comprehensive checklist. He emphasizes the significance of budgeting, understanding income sources, and creating a spending plan. Fred also highlights the importance of considering healthcare and Medicare decisions, as well as tax planning for qualified and non-qualified assets. He discusses the need for asset inventory and portfolio construction, as well as the complexities of Social Security planning. Finally, Fred touches on legacy planning, including wills, trusts, and beneficiaries.
You can reach Fred Saide at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
In this episode, Fred Saide discusses how football strategies can be applied to retirement planning. He emphasizes the importance of the financial red zone, which is the transition period before and during retirement. Saide also highlights the need for reinvention in retirement and the challenges of sequence risk and return. He advises against relying solely on diversification and emphasizes the importance of having a written plan. Additionally, Saide discusses the impact of inflation and the need for increasing income in retirement. He also emphasizes the role of a retirement coach in helping individuals achieve their goals.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred identifies risks in retirement and offers ways to avoid them. The podcast includes a discussion on the balance of risk and return, withdrawal strategies, the risk of longevity, taxes, healthcare, long term care, and asset allocation.
You can reach Fred Saide at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
We all know the bucket list so what would go in the un-bucket list? That would be things to avoid so you can have a successful retirement. That’s the discussion at the beginning of the podcast with Fred as he talks about knowing when you can retire so you don’t work longer than necessary, not being lonely and now having an unfulfilled retirement, and now squandering the early “go-go” years. Fred also tackles a “Stump the Guru” question about concerns over the future of Social Security. You can submit your “Stump the Guru” question to Fred at www.moneymattersusa.net. Click the podcast tab and then the Stump the Guru dropdown.
Contact Fred Saide at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Still in the New Year the podcast devotes time to considering financial goals or resolutions, how to approach them, and how to stay on track. These include everything from paying off debt to increasing your savings and more.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred offers thorough coverage of annuities in this podcast looking at the benefits and drawbacks and breaking down the types of annuities. We also bring back Stump the Guru with a question from a listener seeking advice on what to do in retirement with all the spare time and how to best handle his finances.
You can submit your “Stump the Guru” question to Fred at www.moneymattersusa.net. Click the podcast tab and then the Stump the Guru dropdown.
You can reach Fred by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Warnings of what could harm your retirement are discussed at the open of the podcast with points on having a budget, automating your savings and payments, planning for healthcare costs, and not relying too heavily on being able to work longer. Fred also looks at what needs to be considered to help determine if you are ready to retire.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred provides the answers to some commonly asked and very important questions regarding proper retirement planning. He also looks at what should be considered in shoring up your retirement in the new year.
you can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
You’ll hear clips from familiar movies and a sitcom with a holiday theme. Fred takes these clips and shares retirement and financial lessons we can learn from them.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred cuts through some harsh realities of retirement planning and offers solutions. Some issues covered are the amount of bear markets to expect, needing more than Social Security, and longevity. What are the returns on your investments in retirement? They're not just money. They can also be time, health, happiness, and achieving peace of mind. Fred dives into that subject.
You can reach Fred Saide at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred talks about what we need to consider strategically as the year draws to a close. Most of the bullet points are about good tax moves. Then the conversation turns to what you may face in retirement such as restlessness and the need to re-define yourself.
You can reach out to Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred answers ten questions frequently asked by soon to be retirees. The questions are about how much is needed to retire, how to fund retirement, when to claim Social Security, what to do with a pension, and how money should be invested in retirement. Fred also answers a “Stump the Guru” question from a woman considering using inheritance to move into an adult community.
You can submit your “Stump the Guru” question to Fred at www.moneymattersusa.net. Click the podcast tab and then the Stump the Guru dropdown.
Reach out to Fred Saide at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
What makes a retirement plan comprehensive? Fred covers the answers you should receive when talking to someone about your retirement. When should I claim Social Security? What will my budget look like? Should I invest in high dividend stocks? What should I do with my 401(k) balances? These questions and more are answered by Fred. He also discusses the state of the economy and possible effects on those in the financial red zone.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
The 2023 Mercer CFA Institute’s Global Pension Index recently rated retirement systems around the world. The U.S. earned a C+. Fred examines that and discusses steps to strongly consider in an effort to score an A+ in your retirement.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred gives us a look behind the curtain at how he tackles challenges and opportunities when meeting with people about their retirement plan. Two hypothetical scenarios are discussed here.
You can reach Fred Saide at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fears are addressed in this podcast and suggestions to overcome them. Fred understands these fears and discusses common retirement fears revolving around inflation, Social Security, market volatility, and the cost of health care.
You can reach Fred Saide at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred offers information on the different scam operations out there and tips to avoid them. He also dissects survey results from a Northwestern Mutual Planning and Progress study that shows Americans’ concerns about the economy and how much they would need to retire.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
We all assume things but some assumptions could be dangerous when approaching retirement. Fred covers some of these. The list includes assumptions on when you will retire, how long you will live, how much you will spend, and what you will face in taxes.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Honoring Financial Literacy Month, the game is Financial Jeopardy covering retirement facts to make sure you’re not in financial jeopardy. Categories include Important Retirement Ages, Penalties and Fees, Retirement Savings Vehicles, and Retirement Rules of Thumb.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred runs down some expenses that can eat away at your savings when you’re in retirement. They include healthcare, home ownership, inflation, taxes, and longevity. He then focuses on the top stressors people cited in a recent survey by Principal. Those include inflation, rising interest rates, and a lack of savings.
Fred Saide can be reached at 800-593-8188.
Money Matters USA
Harvard Gazette article referenced
See omnystudio.com/listener for privacy information.
Fred cuts through the misinformation in the retirement universe by declaring whether some retirement statements are fact, fiction, or somewhere in between. Risk tolerance, medical costs, retirement income, Social Security, and retirement spending are covered in this podcast.
Reach out to Fred Saide at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred dissects some words of wisdom from the Oracle of Omaha in his overall investment mindset, his number one rule in investing, and what he means when he says his mistakes have been of omission. You can also get a glimpse of what your consultation experience with Fred could be as he breaks down some hypothetical case studies.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred dissects a recent Bankrate survey that shows many Amercans are feeling financially insecure. Why is that? Fred breaks it down. He also warns against procrastination in retirement planning in areas such as boosting your savings, eliminating debt, and just getting an overall retirement plan together.
You can reach Fred Saide at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
If you’re stranded on a desert island you may feel you need to strictly conserve your water supply so it will last. Fred shows how those who are not properly planned for their retirement could feel that way about their money. He offers analysis and solutions to help achieve that “Goldilocks” retirement.
You can reach Fred at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred shares tips on how successful people use techniques to legally reduce their taxes. He discusses some of the reasons people overpay in taxes and covers five vital strategies to consider including knowing the rules for safe harbors, maxing out tax deferred retirement accounts, and utilizing Roth options.
You can reach Fred Saide at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
2024 marks an historic demographic event with the largest number of Americans ever reaching the age of 65. If you’re approaching retirement, what strategies should you consider implementing now? Fred covers that along with what those in their 50s should be looking at as they enter the financial red zone.
You can reach Fred Saide at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred is joined by Dan McGrath, the co-founder and creator of IRMAA Certified Planner and the best-selling retirement planning author of “What You Don’t Know About Retirement Will Hurt You.” IRMAA is an acronym for income-related adjustment amount. That is an extra fee you pay with your Medicare Part B and D premiums based on income. Dan is one of the nation’s leading authorities on how the costs of health care impact investors’ retirement and Social Security benefits and is a proponent of Annuities and Life Insurance as well as utilizing Roth strategies.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
IRMAA Certified Planner
See omnystudio.com/listener for privacy information.
We celebrate Podcast 104 and the two year anniversary! Fred expands on five key retirement financial planning components which are investment, tax, and income strategies and estate and healthcare planning. He also covers the seven “sins” of retirement planning. Some include accessing your retirement dollars early, retiring too early, not coordinating with your spouse, and not having a written plan. In the Stump the Guru segment Fred answers a question on whether or not risk and volatility are the same.
You can submit your question at www.moneymattersusa.net. Just click podcast and the dropdown for Stump the Guru.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
It’s amazing how you can tie iconic TV sitcom scenes to retirement planning. Fred does just that with Kramer giving himself a gold watch and pointing out that retirement falls more on us now. Fred Sanford gets a lesson on how Social Security benefits are calculated and Archie Bunker schools us on inflation. Those clips and more are featured in the podcast. In the “Stump the Guru” segment Fred answers an interesting question from a listener about the possibility of gifting their assets to their parents.
You can submit your question at www.moneymattersusa.net. Just click podcast and the dropdown for Stump the Guru.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
What are some of the standard retirement rules? How have they withstood the test of time? How could they be good starting points. Fred covers the 4 percent rule, the Rule of 72, the 60/40 Stock/Bond Rule, and the Rule of 100. In the Stump the Guru segment Fred offers a detailed answer to a couple listing their assets and wanting to know if they could be independent and comfortable in their retirement. You can submit your question at www.moneymattersusa.net. Just click podcast and the dropdown for Stump the Guru.
You can reach Fred Saide by calling 800-593-8183.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred discusses the strategies to give you confidence in your retirement plan. These include eliminating debt and building your savings, having a sound retirement budget, a clear proactive tax plan, and maximizing Social Security. He also stresses the need for couples to be on the same page in this team retirement effort.
You can reach Fred Saide by calling 800-593-8183.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred discusses the best proactive responses to retirement strategies including long-term care, health care, living on pre-taxed income, and factoring inflation. He also addresses concerns of pre-retirees and retirees and offers good questions to ask of yourself. These include:“do I have a plan” “do I have a budget” “do I have income built into my plan” “am I working with a retirement specialist?” In the Stump the Guru segment, Fred answers questions about annuities and inherited IRAs.
You can reach Fred Saide by calling 800-593-8183.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred’s special guest on the podcast is Dax White who is managing partner with the White Law Group. The subject is fraud and how to be vigilant in avoiding becoming a victim and what strategies are available to repair the situation if you have become the victim.
You can reach Fred Saide by calling 800-593-8183.
Money Matters USA
The White Law Group
See omnystudio.com/listener for privacy information.
Fred takes a close look at Secure Act 2.0 and provisions that have already been enacted and looks ahead at what is to come in 2024. He also discusses tax efficient retirement strategies.
In the Stump the Guru segment, Fred answers a question from a listener concerned about delaying Social Security until age 70.
You can submit your question at www.moneymattersusa.net. Just click podcast and the dropdown for Stump the Guru.
You can reach Fred Saide by calling 800-593-8183.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred looks at moves to strongly consider when you’re still working but getting closer to that retirement date. He includes taking advantage of catch-up contributions, looking into a health savings account, and reviewing the asset allocation. Fred also runs down some of the ways retirement can be more expensive than we think. In the Stump the Guru segment, Fred admitted to slightly being “stumped” because he had to do some research in answering a question about whether to replace an older annuity with a new one. That person gets a gift from Fred. You can submit your question at www.moneymattersusa.net. Just click podcast and the dropdown for Stump the Guru.
You can reach Fred Saide by calling 800-823-6387.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred gives us what we need to consider when we enter the Financial Red Zone near retirement in the phases of 7 to 10 years, 5 to 7 years, and 3 to 5 years out. He also discusses expenses in retirement and the importance of knowing what could go up and what could go down. In the Stump the Guru segment, Fred answers a question about Social Security and about missing RMDs. You can submit your question at www.moneymattersusa.net. Just click podcast and the dropdown for Stump the Guru.
You can reach Fred Saide by calling 800-593-8183.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred addresses concerns of retirees involving their feeling of inadequate savings and their worries of inflation, higher interest rates, and unstable markets. He demonstrates how he can help keep in check the inevitable emotions that creep into retirement planning. In the Stump the Guru segment, Fred answers a question about Social Security claiming strategies.
You can reach Fred Saide by calling 800-593-8183.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred notes retirement confidence could be falling to 2008 levels and offers suggestions on restoring confidence in areas such as inflation, volatility, and even Social Security uncertainty. Fred also points out some good “journey to retirement” practices like staying on track with savings, maximizing the 401(k) match, and minimizing fees.
You can reach Fred Saide by calling 800-593-8183.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred talks about strategies to consider in the financial red zone, 5-10 years from retirement. He then discusses the advantages to consider when looking at the Roth IRA option. In the Stump the Guru segment, Fred addresses a concern from a listener who asked their accountant if they should convert taxable IRA assets to a Roth. They mentioned the accountant’s opinion of Roth as being inefficient. Listen to Fred’s response. You can submit your question at www.moneymattersusa.net. Just click podcast and the dropdown for Stump the Guru.
You can reach Fred Saide by calling 800-593-8183.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred dives into the subject of behavioral finance and how all the components relate to retirement planning. He also highlights ways that money could be wasted in retirement such as excessive fees, overpayment in taxes, overspending, and ignoring healthcare costs. Fred answers two questions in the Stump the Guru segment. One listener asks Fred the most important lesson he’s learned in the last year. The other has a question about early claiming of Social Security.You can submit your question at www.moneymattersusa.net. Just click podcast and the dropdown for Stump the Guru.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred expands on valid retirement questions that begin with the word “when.” Some include “when should I consider retiring,” “when should I start planning for long-term care,” and “when should I start taking Social Security benefits?” He also points out areas to address in the planning process to help ease the anxiety of challenging economic times. Then Fred moves into “Stump the Guru” in answering a question about the 60/40 portfolio. You can submit your question at www.moneymattersusa.net. Just click podcast and the dropdown for Stump the Guru.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
What are people saying about their retirement? We hit the street to find out. You’ll hear peoples’ comments on their retirement plan and responses from Fred. He also covers the importance of having dependable income strategies in your retirement. Fred answers two questions in the “Stump the Guru” segment. One involves someone considering claiming Social Security at age 62 and another was about how to handle an inherited IRA from his mother who was already taking required minimum distributions.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred brings back the popular retirement myth busters in correcting some common misconceptions about long term care protection, debt, Social Security, and safe money. What are good questions to ask when meeting with a financial advisor? Fred covers some of them in this podcast. Speaking of questions, Fred continues with his “Stump the Guru” series. Fred answers a question from a listener wanting to know how to plan for financial stability based on life expectancy. You can submit your question at www.moneymattersusa.net. Just click podcast and the dropdown for Stump the Guru.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
What are people searching for online when deciding to seek the help of a financial advisor? Fred covers some of the top searches and relates them to his specialty of retirement strategies. Some include what to bring to the first meeting, how are financial advisors compensated, and why is a financial advisor better than a robo-advisor. Then Fred moves into how to help ease that transition from accumulation to decumulation in retirement. In his Stump the Guru segment, Fred answers a tax question related to a listener’s 401(k). They are asking whether they should consider moving to a state with lower or no income tax. You can submit your question at www.moneymattersusa.net. Just click podcast and the dropdown for Stump the Guru.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Following the failed attempt to override President Biden’s veto of the Labor Department ESG investment rule, Marty explores the potential effects of that on the retirement savings efforts of Americans. He also discusses the most recent interest rate hike. Fred then answers a couple of questions in the “Stump the Guru” segment. One listeners stated they were a do-it-yourselfer but found that they needed help sorting out some issues. Another actually stumped Fred but only because Fred admitted he would have to research before answering her question. You can submit your question at www.moneymattersusa.net. Just click podcast and the dropdown for Stump the Guru.
You can reach Fred Saide by calling800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred looks at the situation in the banking sector in explaining the root causes and possible effects. He also discusses protective strategies regarding this and the other financial challenges we face. Fred then answers a couple of questions in the “Stump the Guru” segment. One listener expressed a feeling of being overwhelmed in financial planning and another had a question about bonds and alternatives. Hear his answers and submit your question at www.moneymattersusa.net. Just click podcast and the dropdown for Stump the Guru.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred explains why staying the course is not always the best option. He uses the game show Let’s Make a Deal as one example in pointing out statistics that show how it can be beneficial for contestants to trade their existing prize for what’s behind the curtain. He also points out how it may be wise to look for alternatives when you find your investments are down as opposed to sticking with the plan. Fred then answers another question in the “Stump the Guru” segment. The listener asked Fred to boil down investing to one simple rule. Hear his answer and submit your question at www.moneymattersusa.net. Just click podcast and the dropdown for Stump the Guru.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred goes over strategies to consider in building your retirement income. He starts by discussing how retirement income building strategies are so much more important now than in the days when many people had a pension to count on. He also breaks down the “rollover” strategies involving your 401(k), 403(b), and IRA. Fred answers more questions in the Stump the Guru segment. One question was about the use of Roth IRAs and the other concerned possible re-location to a lower tax state. You can submit your question to Fred by clicking podcast and Stump the Guru at www.moneymattersusa.net.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred covers retirement savings strategies to consider. He discusses fixed annuities, Roth IRAs, Dividend Aristocrats, and Health Savings Accounts as some vehicles to strongly consider. He also talks about the Fed and the effect that rising interest rates could have on your portfolio. In his Stump the Guru segment, Fred answers a question about whether to take a lump sum or monthly benefit. You can submit your question to Fred by visiting www.moneymattersusa.net. Click podcast and Stump the Guru.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Proper planning makes the transition from accumulation to distribution go much smoother. Fred discusses the process with a conversation on moving away from accumulation and easing into distribution. Fred also addresses little ways in boosting accumulation in the financial red zone that can make a big difference. In the Stump the Guru segment, Fred answers a question about risk in the de-accumulation stage.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred discusses measures to help remove the uncertainty of retirement planning. He addresses the need to plan for longevity, to implement savvy Social Security claiming strategies, and, for those married, good spousal strategies. He also answers a podcast listener question in “Stump the Guru.” A listener who claims to be a do-it-yourselfer much of the time is concerned about possibly needing help assessing risk.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred addresses financial challenges many people may be unaware of and discusses ten retirement risks to avoid. Some include uncertainty about how to deal with income in retirement, debt, longevity risk, and sequence of return risk. We also play Stump the Guru with Fred answering two questions related to Social Security claiming strategies.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred introduces a new feature to the podcast and that is “Stump the Guru.” If you would like to have Fred answer your question on the podcast, you can submit at www.moneymattersusa.net. Just click the podcast tab and then stump the gura. On this podcast Fred answers a question about required minimum distributions from an inherited IRA and inherited individual Roth. Fred also offers an in depth look at annuities, the different types, and the pros and cons and then discusses what to consider when a spouse passes away.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred discusses the impact of taxes on retirement and steps to counteract that impact. He explains how withdrawals from retirement accounts and pensions can be taxed. He also talks about the calculation of provisional income and how that can make your Social Security subject to taxation. What are the milestone ages in your retirement journey. Fred goes over the important ages and even introduces a couple of new ones.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred highlights mistakes to avoid in retirement planning including not factoring inflation and longevity, overestimating income, and not finding the balance of conservative and aggressive in investing. Then he moves into a conversation which points out how retirement of today is different from that of our parents and grandparents. Certainly, the dwindling away of the private sector pension is included along with longevity, changing habits of how and when we retire, and health care concerns that can come with a longer life.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Now that it has passed, Fred reviews some of the key provisions of Secure Act 2.0 including the raising of the RMD age, additional catch-up opportunities, and expanded Roth contributions.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred discusses unique challenges women face in planning for retirement and much of this can be attributed to the longevity of women. He also offers good retirement planning tips for 2023 and strategies to consider in making sure you have enough money in retirement.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred covers strategies to implement when in the financial red zone which is five to ten years away from retirement. These include looking at funding your 401(k) to the max, rethinking your 401(k) assignments, and looking at traditional and Roth IRAs. He also addresses financial challenges head on like high inflation and possible recession and the need to build, plan, strategize, explore, and review.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred welcomes special guest Warren Hershkowitz, the Chief Marketing Officer and Strategist for with Square Foot Advisors. The discussion centers around trends and strategies regarding home buying and renting and how it can pay to look at your home purchase more like an investment that can be more predictable. Strategies discussed span the generations from young parents to empty nesters to retirees.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred welcomes special guest Mark Richards who is a loan officer and Retirement Mortgage Specialist of Fairway Independent Mortgage Corporation. It’s all reverse mortgage on this podcast. Mark shares great information starting with a definition of reverse mortgages. He then talks about the qualifications, who is and is not a good candidate, the mindset of today approaching housing wealth, and a couple of case studies involving reverse mortgages.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred reminds us that, even though you may choose to work in your seventies, there are still retirement planning considerations. Among those are how it will work with your RMDs, Social Security claiming strategies, and how working could impact your tax situation. He also addresses the fear of running out of money in retirement with moves to consider in order to help make your money last. Those include creating a floor, bucketing your money, making systematic withdrawals, and using account sequencing.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred stresses the need to make sure you stay on track with your retirement savings in the financial red zone and offers solutions to avoid the obstacles. Those include inflation, stock market volatility, unexpected expenses, and debt. He then offers detours around those roadblocks that could keep you from your retirement target date.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred covers the approach you should take regarding tax strategies in retirement. This includes connecting taxing with outflow as well as income, spending down traditional IRAs, and the consideration of Roth conversions and contributions. He offers good spending habits to help stretch your retirement budget.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred welcomes Joe Peters of Joe Peters Real Estate. The conversation centers around the state of real estate nationally, statewide, and locally. Joe talks about the effects of higher interest rates and much more in a thorough conversation on real estate.
Fred Saide is a fiduciary who specializes in retirement strategies. You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred looks at strategies to have in place when you first retire. He covers the adjustment period, prioritizing expenses, continuing to save, having a Social Security Strategy, and seeking out professional help. Then he moves into some things to consider at the end of the year including maximizing your 401(k), IRA, Roth, and Health Savings Account savings and looking at strategic tax moves.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred goes over some good things to consider and some things to avoid in your retirement planning process. He urges having a good philosophy and knowing that it needs to evolve with you. He cautions against questioning your plan during volatility, expecting to outperform the market, and letting you biases get the best of you. He then expands on some of the observations of Morningstar’s Christine Benz. That includes paying close attention to the timing of your strategies, not getting too aggressive in trying to make up for time, and using good withdrawal strategies.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred talks about the announced Social Security Cost of Living Adjustment for 2023 pointing out that it is the highest in forty years but also that inflation is as well. He discusses how this high inflation, volatility, and rising interest rates must be factored when planning for retirement. He looks at solutions such as planning for inflation in your other retirement income streams, preparing for out-of-pocket health care costs, and building good tax strategies.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred cites results of a J.D. Power study that revealed some pitfalls of utilizing digital resources in planning your own retirement. He breaks down the advantages and, in his opinion, the necessity of working with a professional to build and maintain your retirement. He also goes over some of the “curveballs” of retirement in the form of unexpected expenses.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred discusses reasons why some may decide to or need to delay their retirement start date. Reasons include having not saved enough, not accounting for taxes, relying exclusively on Social Security, and sequence of returns risk. Fred then shows how we need to factor in longevity to avoid some risks that can come with that including too much risk, outdated withdrawal strategies, and improper rollovers.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred tackles ways to handle inflation in retirement. Topics include examining your budget and spending patterns, drawing on cash, and taking a deep dive into your portfolio. He then moves into steps to help you maintain your lifestyle in retirement such as determining when you want to retire, assessing your income streams and expenses, and adjusting for inflation.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred discusses good retirement practices and what to be aware of to make sure your money lasts in retirement. The conversation includes the consideration of longevity risk, having a savings safety net, and understanding inflation, diversification, and having the right asset allocation. Fred then looks at the need to take a holistic approach in retirement planning in considerations outside of financial such as your health, your fitness, your purpose, and having fun.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred covers safe withdrawal rates in retirement and how to determine your own. He also warns of required minimum distribution mistakes to avoid such as missing an RMD, taking it at the wrong time, withdrawing the wrong amount, not realizing that rules differ between IRAs and 401(k’s), not taking from Roth 401(k’s), and not understanding the rules if you are still working.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred looks at tax challenges in the future for those who have saved in tax deferred accounts. He also offers strategies to implement to meet challenges such as snowballing required minimum distributions, Medicare means testing, and the elimination of the stretch. He looks at Roth contributions and conversions as good strategies to consider. Fred then discusses rising interest rates and how they, like inflation, could present a threat to your retirement.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred covers five critical mistakes to avoid in retirement planning and retirement life. These include lack of longevity risk, inflation, and healthcare cost protection, having poor risk allocation, and even not planning on how to fill your free time. He then moves into things you can do with excess money in retirement to help your loved ones, your charity, and yourself with taxes.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred covers some of the questions frequently asked by pre-retirees such as factoring inflation in your plan, how much you need to maintain your lifestyle in retirement, how big of a risk is longevity, and how to plan for out-of-pocket health care costs. He then moves into alternatives to long term care insurance when building protection.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred examines a recent Transamerica survey conducted to determine what people know and don’t know about retirement planning. He comments on a surprising statistic of a low percent of workers who actually have a written plan and stresses the need of implementing strategies and understanding asset allocation. Fred then moves into tips on how to boost your retirement savings such as automating your efforts, sticking to a budget, and eliminating debt.
You can reach Fred Saide by callilng 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred addresses the shared concerns of high inflation and a recessionary environment and discusses the strategies to protect yourself and your retirement plan. He then analyzes results of a survey on the favorite investment and saving tools and strategies of retirees and pre-retirees. Fred covers ETFs, annuities, cash, individual securities, mutual funds, and what fell into the “other” category.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred looks at the current economic climate with a discussion on recession. Even with two quarters of negative GDP growth, there is still some hesitancy to declare that we are in an actual recession. Regardless, Fred notes the possible effects of recession like conditions and high inflation on the planning process for retirees. He then offers strategic retirement tips for couples with a significant age gap.
See omnystudio.com/listener for privacy information.
Fred discusses the return to the workforce of some 1.5 million retirees and breaks down the feeling of anxiety many are feeling due to possible recession, high inflation, interest rate hikes, and a general feeling of not being in control. He talks about solutions in creating an environment that can help alleviate that feeling among retirees and pre-retirees. Fred also runs down some do’s and don’ts of retirement planning including a regular review of your portfolio performance, making risk adjustments while not completely avoiding risk, and not trying to act like a professional day trader.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
It's Episode 52. Fred Saide is not one year into providing vital information about retirement strategies and considerations on this podcast. Fred talks about what should be considered when planning for retirement in times of high inflation, volatility, and recession fears. He then moves into five things you should be doing as you get closer to retirement. That includes putting losses in perspective, checking your asset allocation and your liquid reserves, and looking at your spending rate.
You can reach Fred Saide at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred looks at how high inflation and rising interest rates can impact a retiree or soon to be retiree. He discusses inflation adjusted consumption and how your retirement goals affect your implementation of accumulation, deaccumulation, and legacy strategies. Fred also breaks down the three main causes of inflation which are demand-pull inflation, cost-push inflation, and built-in inflation. He then moves into the proper considerations for those entering retirement while breaking down the Common Rule, the Modified Common Rule, and the Optimal Rule.
You can Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred looks at inflation and gives his predictions on whether or not it could move into stagflation. He identifies a good starting point for retirees and pre-retirees who are concerned about the future. He discusses how they should look at the big picture and think long term. He cites a study that shows the percentages of how many people consider their future in terms of 5, 10, and 30 years. Fred also looks at overall risks to consider in retirement planning outside of inflation and market volatility. They include health care, longevity, market risks, public policy, and taxes.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred addresses inflation and offers strategies to best combat the highest inflation we’ve seen in 40 years. Some of his suggestions include reviewing our budget, grouping your trips, and reviewing your investment portfolio. He weighs on in recent comments by Fed Chair Jerome Powell’s testimony on interest rates, recession, and the overall economy, He also reflects on recent comments by Wall Street economist John Lonski to Maria Bartiromo on Fox Business. Fred examines the value of annuities, reminds you of longevity in retirement planning, and suggests you ask yourself these questions: Do you want to be certain to have income in retirement? Are you worried about outliving your income and assets? Would you prefer a plan that funds your retirement budget that does not need to be changed
due to investment performance? Do you feel more comfortable creating your own pension income getting a retirement paycheck
than from withdrawing income from your assets and savings?
Your answers can help determine if you need to shore up your retirement plan.
You can reach Fred Saide by calling 800-5938188.
Money Matters USA
See omnystudio.com/listener for privacy information.
What is now considered safe withdrawal strategies in retirement? Fred looks back at conventional “safe” rates from the past and what is considered safe now. He explores reasons why the “safe income withdrawal rate” has decreased since the 80s and explains why modifications in your retirement plans may be necessary due to the fact that traditional asset allocation models may no longer work or provide lifelong retirement income.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred discusses how inflation and stagflation can affect retirement planning. He breaks down the spending patterns of retirees during all phases of retirement and how spending is generally up early in retirement and then goes back up again in later retirement. The overall theme is protecting your purchasing power in the future and looking at proactive strategies that can be put in place now to combat inflation.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Ethan and Doug outline three tax strategies to help you keep more of what you’ve saved over the years. They then move into the challenges we face such as high inflation and market volatility and the moves to help you navigate to and through your retirement such as generating lifetime income, proactive health care and tax strategies, and proper estate planning.
You can reach Teton Wealth Group by calling 844-838-6100.
Teton Wealth Group
See omnystudio.com/listener for privacy information.
Fred covers the strategies to consider in order to convert assets into lifetime income. He addresses the concerns people have of after-tax retirement income needs, having enough excessive retirement funds, and legacy expectations. He then moves into different strategies such as common rule, modified common rule, and optimal rule. Fred also cites a case study.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred tackles the subject of tax-free income for life. He points out the focus on securing income in retirement is very prevalent but there is not enough attention paid to forward tax strategies and opportunities. Fred sites a couple of case studies in this podcast. The conversation ranges from required minimum distributions, the role Social Security plays in retirement taxation, and preparing for possible tax increases.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred explains what should be considered in formulating your retirement plan including knowing your vision, your day-to-day expenses, reviewing your assets, your risk, and your potential tax liability. The conversation then moves to mistakes to avoid helping to make sure you don’t run out of money in retirement.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred addresses risk and the proper approach for those near or in retirement. He talks about knowing how much risk you want to take and factoring in the recovery time necessary. Fred also shares a case study and how a particular client’s risk was handled.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
It’s not about apes and it’s not about yachts. The bored ape yacht club is a non-fungible token meaning it cannot be replaced with something else. Fred points out that cryptocurrency is fungible which means it can be traded or exchanged for another. Fred also dives into our current market situation and warns that strategies should be in place to see multiple bear markets in your retirement.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred Saide covers three aspects of our current volatility in explaining that the current volatility is not abnormal. In doing that, he covers five truths about the stock market and also shares the results of a prospective new client’s rate-of-return audit.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred debunks the “myths” of “riding it out” during stock market volatility and the myth of getting a ten percent+ annual return. He also covers with investing. They include how much volatility your experience, calculating the actual rate of return, and the time period the money was invested.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred covers questions that you must be able to answer to have a successful retirement. He covers income from your assets, protection from volatility and other losses, taxes, inflation, fees, and surviving spouse strategies.
You can reach Fred Saide at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred addresses concerns about money in retirement and the proper strategies to make sure the money will last. The discussion includes withdrawal rates, protection from stock market losses, risks, taxes, and legacy planning.
You can reach Fred Saide at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred discusses the challenges we face such as high inflation and market volatility and the moves to help you navigate to and through your retirement such as generating lifetime income, and proactive health care and tax strategies.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred discusses behavioral economics and the importance of limiting your cognitive biases in your financial life. He looks at current events such as Covid, Ukraine, interest rate hikes, and inflation and how they can affect the decisions you make.
You can reach Fred by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred talks about something we’re all feeling now and that’s inflation. He looks at three considerations when searching for the cause of inflation and then moves into some practices that could be employed to help factor and combat higher prices. He then introduces longevity and how it should be considered in determining how much money you would need before you retire.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Does Cryptocurrency belong in your retirement portfolio. Fred takes a close look at crypto and if or how to include it in your plan. The conversation spans from the growing popularity of crypto to suggestions on how to view it as one tool in your retirement planning process. He also discusses speculation that Crypto could possibly, at some point, replace or rival fiat money.
You can reach Fred Saide by calling 800-491-9401.
Money Matters USA
See omnystudio.com/listener for privacy information.
Knowledge is power and Fred examines some things that retirees and pre-retirees don’t know that they don’t know. Three areas of insufficient knowledge are how much growth is needed to factor inflation, how much income Social Security will provide, and how much to safely withdraw. Fred also warns of expenses that could put a dent in your retirement savings.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred discusses how to position yourself and your portfolio in the midst of extreme geopolitical events. He also dives into inflation and adjustment to interest rates. The overall thrust of the conversation is how to manage amid uncertainty.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Do you have the right answers to important questions to help determine if you are ready to retire? Fred covers three of those questions. Roth IRAs are also part of the discussion and the proper legacy strategies with a Roth plus mistakes to avoid.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred goes over ten ideas you need to consider in your retirement planning while there is still time. Topics include Roth conversions, life insurance benefits, tax-loss harvesting, and using annuities to manage the timing of taxes for non-qualified assets. Proactive tax strategies are the overall theme of this podcast which also includes a discussion on deferring capital gains losses and charitable contributions.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred highlights some common retirement planning mistakes to avoid. Topics include Social Security maximization, considering health care and long-term care, over or underestimating expenses, and rules of thumb. He also advises against failing to plan, waiting too long to plan, controlling debt, and factoring in inflation.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred addresses his approach with clients and potential clients in stressing the importance of being open to change and, over the course of up to five initial consultations, providing clarity and an “aha” moment in understand the proposed strategies. Fred also talks about the big change of shifting from accumulation to de-accumulation. He covers the longevity analysis he performs and warns of the sequence of return risk.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Inflation, taxes, and investment challenges are three major threats that could impact your retirement. Fred offers suggestions of protection and proactive measures that can be implemented. He also discusses planning long term for retirement to help alleviate the risk of longevity and explain why the help of a professional is so critical in today’s retirement planning.
You can reach Fred by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
had the best of intentions. He talks about doubling the effort and working smarter to reach your retirement goals. He also offers three questions to consider in your effort to successfully achieve success in retirement. They center on identifying the one thing you do most effectively, one skill you could improve upon, and what you could do to make the actions you take most effective.
You can reach Fred Saide at Money Matters USA by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
On this podcast Fred Saide digs deep into the subjects of withdrawal strategies, the 4% rule, Social Security strategies, deaccumulation, and inflation.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred discusses how longevity works in retirement planning. He tackles the issue and potential value of a reverse mortgage and how that can adjust legacy thinking. He also shares a scenario of a couple adding reverse mortgage to their strategy mix in dealing with their $5 million in assets.
You can reach Fred by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Your fifties can be a critical time in your retirement saving process. It’s the financial red zone. Fred warns against serious mistakes often made during this stage of your life when you’re so close to retirement. He wraps it up with financial saving resolutions that can help strengthen your nest egg.
You can reach Fred Saide at Money Matters USA by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred continues his series on cognitive decline. He also discusses changing attitudes about health and uncertainties brought forth by the covid pandemic and how that affects people’s tolerance for risk. The takeaway is people want retirement strategies that can help them live the life they want in retirement.
You can reach Fred Saide at Money Matters USA by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred shares statistics on how we are becoming an evermore aging nation and the risks associated with that. The first part of this series focuses on cognitive decline and how advisors need to be more aware of this risk and plan accordingly. Fred also discusses the risk older Americans face with the possibility of making poor decisions as a result of financial abuse.
You can reach Fred by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred Saide covers new rules for withdrawal in retirement. What is the new general rule of thumb in withdrawal rate while giving consideration to inflation? Fred discusses new options and explains why retirees are spending more now than ever.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred Saide covers new rules for withdrawal in retirement. What is the new general rule of thumb in withdrawal rate while giving consideration to inflation? Fred discusses new options and explains why retirees are spending more now than ever.
800-593-8188 for Fred Saide
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred helps give clarity to the origins of the inflation and supply chain issues we are currently experiencing. He also drives home the importance of having sound financial strategies for your retirement that are forward looking.
You can reach Fred at 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
The death of a spouse can take an emotional and financial toll on the surviving spouse in retirement. Fred looks at the changes and adjustments that are necessary following the death of a spouse. He also cites a case study and details strategies implemented on behalf of an anonymous widow. He closes the podcast discussing some key challenges faced by those involved in a divorce during the retirement years.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred looks at some older retirement strategies that may not have stood the test of time and offers some updated retirement moves. The discussion includes the 60/40 split, dividend stocks, the 4 percent rule, and possible strategies of today involving your mortgage. He also takes a look at changes in 2022 such as the COLA for Social Security and some new contribution limits for retirement funds.
You can reach Fred Saide by calling 800-593-8188.
Money Matters USA
See omnystudio.com/listener for privacy information.
Could early retirement lead to premature death? Fred discusses this and cites studies. He also offers some solutions to staying mentally healthy no matter when you retire which could have the added benefit of staying physically healthy. Fred also discusses some other retirement entrance strategies included phased or delayed retirement which could help you mentally and give you more resources to shore up your plan.
800-593-8188
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred discusses how there are few do-overs in retirement and how crucial it is to avoid mistakes in retirement planning. He talks about successful components and strategies such as building different streams of income, adjusting your budget for income and expenses, and being flexible in your thinking. He also goes over some of the risks in retirement such as sequence of risk returns and longevity.
800-593-8188
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred Saide continues with his series of potential IRA mistakes and tips to avoid making them. He covers ignoring or forgetting about a spousal IRA, ignoring back door Roth opportunities, and ignoring beneficiary designations. A white paper covering all the mistakes to avoid is available by calling the number below.
800-593-8188
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred Saide continues with his IRA series in looking at IRA rollover mistakes. Fred covers taking a lump sum distribution, rolling funds from a 401(k), making sure you know the limits, and not getting trapped by the five year rule.
800-593-8188
Money Matters USA
See omnystudio.com/listener for privacy information.
There are plenty of opportunities for mistakes in IRA planning. Fred Saide takes a look at common IRA mistakes and how to avoid them. Some mistakes covered include the assumption that you cannot have an IRA because you contribute to a 401(K), waiting until the last minute to contribute, and failing to make contributions later in life. Fred covers more mistakes in a white paper he will make available with a phone call to the number below.
Money Matters USA
800-593-8188
See omnystudio.com/listener for privacy information.
Fred Saide defines human capital in this discussion that seeks to apply the correct metaphor for an individual based on their investment strategies. He defines human capital and references the concept invented by Zvi Bodie and published in the book by Moshe Milevsky titled Are You a Stock or a Bond?
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred Saide of the firm Money Matters USA discusses the Fed's vision of and confidence in the economy. He also breaks down risk factors for investors.
Money Matters USA
800-593-8188
See omnystudio.com/listener for privacy information.
Fred Saide breaks down cryptocurrencies. Should they be included in our retirement portfolio? If so, what approach would be the best for you in your retirement planning?
Money Matters USA
See omnystudio.com/listener for privacy information.
Fred Saide discusses the sequence of risk: What is it? Why should you care? He also talks about strategies to help mitigate the risk.
Money Matters USA
See omnystudio.com/listener for privacy information.
Everyone wants to be happy and secure in their retirement. Fred Saide talks about achieving happiness with regular income in your retirement. He also speaks to the health benefits of a happy retirement.
Money Matters USA
See omnystudio.com/listener for privacy information.
Should you be concerned about world events and how they could could impact your retirement? How can you protect yourself from inflation? This is the subject matter of this podcast with Fred Saide.
Money Matters USA
See omnystudio.com/listener for privacy information.
In this episode, Fred Saide continues the conversation on inflation. He discusses the categories of cost-push and demand-pull. Fred discusses the impact of inflation on your personal finances and retirement and the proper strategies to combat inflation.
Money Matters USA
See omnystudio.com/listener for privacy information.
In this episode, Fred Saide continues the discussion on inflation and what strategies should be employed to combat it. He also debunks a common retirement belief. Fred credits a paper authored by Dr. Mathieu Pellerin. There is a link below to that paper published on dimensional.com.
Money Matters USA
https://www.dimensional.com/us-en/insights/researching-retirement-the-impact-of-inflation-interest-rates-and-market-risks
See omnystudio.com/listener for privacy information.
In this episode, Fred Saide addresses concerns over inflation and how it can affect your income and your assets.
800-593-8188
Money Matters USA
See omnystudio.com/listener for privacy information.
In this episode, Fred Saide highlights three things you can do now to cut your taxes in retirement. He also highlights several retirement planning tips and offers some advice on what to avoid.
Money Matters USA
See omnystudio.com/listener for privacy information.