The Retirement Referee with Steve Caruso: Recent Episodes

Steve Caruso

Steve Caruso and the team bring everything you need to know about retirement and income planning in a fast paced format. Each week, the hosts and guests on the show reveal the latest developments in the financial world to keep you informed of changes that may affect you personally, while sharing some common sense strategies that will help you make the most out of your retirement savings. We are focused on helping investors preserve and grow their assets, increase their income, and reduce taxes.

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Getting ready for retirement is a process that has very few absolutes. The good news is there are some guideposts that can help you save for retirement and help make sure your money takes you all the way through that next phase of life called retirement. That and more on this week's Retirement Referee with Steve Caruso. Visit LaurelWS.com to learn more. Call 800-705-9995.

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This week Steve Caruso outlines some of the worst retirement missteps. He shows how making small changes can make a big difference in your retirement in the long run. That and more on this week's Retirement Referee. Visit LaurelWS.com to learn more. Call 800-705-9995.

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As we get closer to retirement we hope to minimize our financial risk. We want to travel, spend time with the grandkids or just relax for a while. Those risks can sneak up on you. To help you avoid them we’ve put together a list of the biggies and some ideas to avoid them. That and more on this week's Retirement Referee. Visit LaurelWS.com to learn more. Call 800-705-9995.

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Out with those “woulda, coulda, shoulda” moments and in with a retirement plan you have confidence in. This week on The Retirement Referee, Steve Caruso shares a list of ways you can better prepare yourself for your retirement so retirees can live regret free. That and much more on The Retirement Referee with with Steve Caruso. Visit online or call for more information: LaurelWS.com and 800-705-9995.

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Dealing with change is often difficult. This week Steve Caruso shows  how planning for retirement has evolved over the past twenty years or so. He’s got the top ten changes in getting to that next phase of life called retirement. That and more on this week's Retirement Referee. Visit LaurelWS.com to learn more. Call 800-705-9995.

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The closer we get to retirement the more important it is to avoid costly mistakes. This week Steve Caruso highlights three retirement investment mistakes older seniors should do everything possible to avoid. That and more on this week's Financial Referee. Visit LaurelWS.com to learn more. Call 800-705-9995.

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The closer we get to retirement the more important it is to avoid costly mistakes. This week Tripp Limehouse highlights three retirement investment mistakes older seniors should do everything possible to avoid. That and more on this week's Road to Retirement. To connect with Tripp Limehouse call 800-940-6979. Visit LimehouseFinancial.com.

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Just getting to retirement is a major accomplishment. You’ve saved, planned and now it’s time for the fun stuff. However statistics show that the first few years of retirement can be surprisingly tense. Today Steve Caruso has some tips to help you minimize risk, preserve your wealth and your sanity.  Visit LaurelWS.com to learn more. Call 800-705-9995.

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Getting to retirement is all about the plan, and there has to be an income component. Steve Caruso digs into how to properly put a retirement and income plan together. From proper asset allocation to the sequence of returns risk he breaks it all down. Visit LaurelWS.com to learn more. Call 800-705-9995.

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When inflation took center stage it was called “transitory”. It has become something a little more lengthy with no sign of relief. Inflation can be particularly hard on seniors. This week Steve Caruso offers some ideas to help you fight back against inflation and keep your retirement plan on track.  Visit LaurelWS.com to learn more. Call 800-705-9995.

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Financial literacy is key when it comes to building wealth and retiring comfortably. Just because  you’ve been a good saver doesn’t always equal success. This week Steve Caruso discusses the importance of financial education even after retirement. Visit LaurelWS.com to learn more. Call 800-705-9995.

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One way to maintain your lifestyle in retirement is to make sure your plan evolves with you. This week Steve Caruso discusses some of the most important things you should consider when planning your retirement, especially as you near the day you hang up your work shoes. Visit LaurelWS.com to learn more. Call 800-705-9995.

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The U-S Senate is expected to vote soon on what’s being called SECURE Act 2.0. The original SECURE Act passed in 2019 and brought many changes to retirement planning. What’s in 2.0? Steve breaks down some highlights including extending RMD’s to age 75. Visit LaurelWS.com to learn more. Call 800-705-9995.

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When is the best time to retire? There is no right or wrong answer. On today’s show Steve Caruso highlights some things you can do now to help insure you and your finances are ready when you take that big step into retirement. Visit LaurelWS.com to learn more. Call 800-705-9995.

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There are many outside forces influencing your portfolio. The pandemic, geopolitical events and inflation. If you’re feeling a little nervous about your own retirement Steve Caruso offers some tips to help bring that anxiety level down. Visit LaurelWS.com to learn more. Call 800-705-9995.

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Don’t let taxes derail your retirement and estate planning. Today Steve Caruso outlines several strategies that could help keep more of your retirement dollars where they belong…with you. Visit LaurelWS.com to learn more. Call 800-705-9995.

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This week Steve Caruso tackled two obstacles regarding inflation: 1, rising prices put stress on fixed income and 2, investing in a retirement plan to keep up with a higher cost of living. Steve offers several potential solutions to help avoid the pain. Visit LaurelWS.com to learn more. Call 800-705-9995.

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Retirees aren’t always up to date on every part of the tax code and as a result end up paying more in taxes than necessary. This week Steve Caruso offers some tips to make sure more of your nest egg stays with you and not Uncle Sam. Visit LaurelWS.com to learn more. Call 800-705-9995.

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We’ve all heard the expression “we don’t know what we don’t know”. In the world of retirement planning what you don’t know can really take a bite out of your portfolio. Steve Caruso to the rescue. This week he addresses some strategies to help you get to retirement and have the lifestyle you’ve always wanted. Visit LaurelWS.com to learn more. Call 800-705-9995.

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Creating income in retirement is one of the main goals. This week Steve Caruso outlines five sources of retirement income that you may not have thought about. Social Security is great but it certainly isn’t enough. From HSA’s to real estate Steve hits them all on this week's edition of The Retirement Referee. Visit LaurelWS.com to learn more. Call 800-705-9995.

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This week is all about retirement readiness.  Steve Caruso says there are three big questions that have to be answered to help make sure you are ready for retirement. Topping the list is the right Social Security claiming strategy. Visit LaurelWS.com to learn more. Call 800-705-9995.

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Saving for retirement is only half the job. The other half is putting that money to work. Financial experts say there are a handful of retirement distribution plans that can be used to stretch money further for a long retirement. This week Steve Caruso highlights several strategies to help you achieve success in retirement. Visit LaurelWS.com to learn more. Call 800-705-9995.

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It seems everybody has advice about retirement. They mean well but sometimes it’s laughable. This week Steve Caruso highlights some advice about retirement that you should try to avoid. Two of the biggest are Social Security running out  and the old 4% rule is the only way to withdraw your money. Visit LaurelWS.com to learn more. Call 800-705-9995.

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This week Steve Caruso outlines three potential threats that could impact your retirement savings this year. He’s also got some suggestions that could soften the blow. If you’re in or near retirement 2022 could be a bit rocky. Visit LaurelWS.com to learn more. Call 800-705-9995.

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No one can predict the next bear market accurately. The only sure thing is it’s going to happen. Is your retirement ready for whatever comes next? This week Steve Carouso outlines some moves you could make to help protect your retirement plan. Visit LaurelWS.com to learn more. Call 800-705-9995.

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Are you planning to retire in 2022? This podcast is for you. Steve Caruso offers some suggestions on how to make that happen. He says the economy, the pandemic and who knows what is on the horizon this year so it’s more important than ever to make sure your ducks are in a row when it comes to your retirement plan. Visit LaurelWS.com to learn more. Call 800-705-9995.

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This week Steve Caruso outlines some things we can do right now to help get our retirement and income plans in good fiscal shape for 2022. He tackles things like debt, fees in your 401(k) and taxes in retirement. Visit LaurelWS.com to learn more. Call 800-705-9995.

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Planning for retirement with an eye on taxes and fees is a big job. On today’s show some tips to help make sure your money lasts all the way through retirement. Do you know what fees you’re paying? You might be surprised what Steve Caruso can find hidden in your portfolio. Visit LaurelWS.com to learn more. Call 800-705-9995.

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Are you saving enough for retirement? Statistics show most Americans aren’t where they want to be when it comes to saving for retirement. This week, Steve Caruso discusses ways to get yourself on track to retire on your terms. He digs into everything from working with an advisor to understanding your risk tolerance.  Visit LaurelWS.com to learn more. Call 800-705-9995.

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Rising inflation continues to dominate headlines, the market continues to be volatile. How can you protect your nest egg from all the uncertainty? This week Steve Caruso outlines some strategies to do just that on The Retirement Referee. Visit LaurelWS.com to learn more. Call 800-705-9995.

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People work in retirement for a variety of reasons. Some people love it and others can’t seem to call themselves retired while still earning a paycheck. This week Steve Caruso outlines three pros and three cons of working in retirement. Visit LaurelWS.com to learn more. Call 800-705-9995.

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Today’s retirees have possibly more money than any previous generation – and this could mean they’ll also pay the most in taxes. This week Steve Caruso outlines some potential ways to plan for the taxes of tomorrow. Visit LaurelWS.com to learn more. Call 800-705-9995.

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What was good advice for retirement planning for your parents may not be good advice today. Steve Caruso digs into some outdated advice that is still being followed today. Including the 60/40/ bond split and how target date funds may not be the best solution for your 401(k). Visit LaurelWS.com to learn more. Call 800-705-9995.

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Market volatility is the opening topic in this podcast. Steve outlines ways a market correction could impact your retirement along with tips to help keep your plan strong in the event of a correction or worse. What’s the key to protecting your savings from a crash and what are your best investment strategies? He also talks about simplifying your entry into retirement and going over some of the financial gaps that could impact your planning. Visit LaurelWS.com to learn more. Call 800-705-9995.

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There is an art to properly withdraw from your retirement accounts and, if not done properly, it could cost you money. Steve Caruso discusses the right order in which to approach your withdrawal. He also looks at some red flags that could warn of adjustments needed to your current retirement thinking and he offers some tips in giving yourself confidence in spending in retirement. Visit LaurelWS.com to learn more. Call 800-705-9995.

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This week Steve Carouso takes a deep dive into what you should do and in some cases what you shouldn’t do when it comes to withdrawing money from your retirement accounts. Doing it the wrong way could cost you big bucks over time. Call Visit LaurelWS.com to learn more. Call 800-705-9995.

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You’ve made it to retirement, now what. What happens if the market makes the inevitable correction. Can you recover and still have the retirement you planned? This week Steve Caruso offers tips on how to protect your nest egg in spite of a market downturn. Visit LaurelWS.com to learn more. Call 800-705-9995.

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What is SECURE Act 2.0?  Steve Caruso will explain what the proposed legislation could mean for your retirement accounts if it is passed.  Just like the Cher song, we can’t turn back time but we can avoid regrets when it comes to planning for your retirement.  Steve will talk about how.  He will also look at some steps you can take to make sure you have a smooth transition into retirement.

To contact Steve to get your own questions answered, give him a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

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Steve Caruso.has some tips on how to avoid mistakes when inheriting an IRA or 401k.  An unexpected retirement can be overwhelming.  Steve will discuss what you need to know to deal with this unforeseen situation.  Single?  Well, you are not alone when it comes to planning for your retirement on your own.  Steve will go over important information for the 45.2% of the U.S. population living an independent lifestyle.

To contact Steve to get your own questions answered, give him a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

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Steve Caruso.will look into if it makes sense to add cryptocurrency like Bitcoin to your retirement portfolio.  He’ll also look at several withdrawal strategies to keep taxes at a minimum and keep more of your hard earned money.  So you want to retire?  It takes strategic planning to get there and Steve will show you how.  That and so much more! 

To contact Steve to get your own questions answered, give him a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

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Steve Caruso takes a look at how inflation may impact your retirement.  He also goes over tips like when to start social security and RMD’s to keep your finances in excellent shape.  There are so many moving parts of a retirement plan.  Steve will take a step back and look at what you should and shouldn’t be doing and so much more! To contact Steve to get your own questions answered, give him a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

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Steve Caruso talks about things to consider when planning for decumulation or drawing down your retirement dollars, including how to set up your investments.  He’ll also talk about how to avoid pitfalls and anxiety when it comes to not being properly prepared for retirement.  Steve also talks about the “what ifs” when planning for retirement and how having a solid retirement and income plan is key and so much more!

To contact Steve to get your own questions answered, give him a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

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On this week’s show, Steve Caruso talks about how inflation works and what you can do to combat inflation risk in your retirement plan.  Next, he talks about what you can do with a 401k once you enter into retirement and it’s all dependent on your age, when you retire and the rules your company has regarding the 401k. Most people will need some type of long term care as they age.   Steve will talk about long term care insurance alternatives and a lot more. 

To contact Steve to get your own questions answered, give him a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

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On this week’s show,  Steve Caruso takes a look to see if you are ready to start your retirement journey sooner.  Over a trillion dollars is left behind in old 401k’s.  Yep, you read that right.  He will explain what you can do to retrieve yours if you have one and put it to work for you in your retirement.  Think it’s hard to save for retirement if you don’t have a 401k?  Think again.  Steve will give you different options that can put you on the right track to a stress free retirement.  

To contact Steve to get your own questions answered, give him a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

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Steve Caruso will break down some universal things that apply to baby boomers everywhere.  So, is age 62 when you should take Social Security?  Steve will have some questions you need to answer before making that decision.  And he will have some surprising truths when it comes to how much we are really saving for retirement and a lot more! 

To contact Steve to get your own questions answered, give him a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

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Steve Caruso  talks about how doing some work in advance of your retirement can keep taxes low or best yet, avoid them altogether.  He’ll explain. Once you hit 50, it’s time to buckle down and get serious about retirement.  Steve will have tips to help you.  He will also have some things you may be doing to sabotage your retirement and not even know it.  That and more!  

To contact Steve to get your own questions answered, give him a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

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Coming up on this week’s show, Steve Caruso has some tax savings strategies for your retirement.  He also has some simple steps that can help you jump start your retirement savings as you get closer to your target date.  Steve will also take a look at a Morningstar report with some great retirement savings tips that have been gathered over the years.  That and a lot more

To contact Steve to get your own questions answered, give him a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

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On this week’s show,  Steve Caruso  breaks down a retirement checklist to see if you have all of your t’s crossed and your i’s dotted.  He’ll also have important questions to ask a prospective financial advisor and women traditionally save less when it comes to retirement.  Steve will point out some ways to help women achieve their retirement savings goals.  That and a lot more!

To contact Steve to get your own questions answered, give him a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

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Is there such a thing as a “happy retirement plan”  Believe it or not, there is and on this week’s show,  Steve Caruso will tell you how you can get one!  He’ll also separate facts from fiction when it comes to how much you need to have saved for such things like healthcare expenses.  So, you have been saving and have a plan.  Great!  You may be ready right now to take the plunge and retire.      Steve will give some tips on how to know if you are ready to go  That and so much more! 

To contact Steve to get your own questions answered, give him a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

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Steve Caruso talks about the three things you need to have as you navigate the next phase of your life.  He’ll also outline some things to keep in mind to make your retirement plan better, how to have the best retirement distribution plan and a lot more!

To contact Steve to get your own questions answered, give him a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

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Steve Caruso takes a look at the differences between Roth IRA’s and Roth 401k’s and talks about which one may be best for you.  He’ll also talk about things you can do when you are in retirement.  Taking up tennis and cruising may be top of mind but there are some important things that you need to do that will make your retirement stress free.  He’ll explain.  The decade leading up to retirement is crucial to the retirement benefits you’ll have and how much you will be able to spend.   He will have tips on that and a lot more!

To contact Steve to get your own questions answered, give him a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

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On this week’s show,  Steve Caruso will show you the areas that can help your retirement be successful.  He’ll also show you how to make sure you are on the right track with the best retirement plan for you, and give you tips on realistic retirement planning strategies, including knowing how much you really need for retirement and a lot more!

To contact Steve to get your own questions answered, give him a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

See omnystudio.com/listener for privacy information.

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Steve Caruso will take a look at retirement planning myths and how to avoid them destroying your retirement savings. Ever hear of phased retirement? You’re not alone if you haven’t. Steve will explain what it is and if it is right for you. He’ll also talk about when one spouse retires while the other does not and how to make a smooth transition and make sure to have enough retirement income and much more!

To contact Steve to get your own questions answered, give him a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

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On this week’s show, Steve Caruso will highlight some retirement milestones and why you should celebrate them.  He will also go over some strategies to position yourself into a tax efficient retirement.  No 401k?  No problem!    He will go over options that you can use to save for retirement, even if you are self employed and a lot more! 

To contact Steve to get your own questions answered, give him a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

See omnystudio.com/listener for privacy information.

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Steve Caruso will give tips on how to protect your financial future by avoiding common mistakes in divorce after 50.  He will also offer advice about the decumulation process and what you should and shouldn’t be doing and what steps you need to take to weather a market volatility storm and so much more! 

To contact Steve to get your own questions answered, give him a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

See omnystudio.com/listener for privacy information.

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Coming up on this week’s show, Steve Caruso explains what you need to know about Secure Act 2.0 and why it has a good possibility of passing in Congress.  Economic experts say we had a recession of sorts when COVID-19 hit last year but will we have a longer one sooner than later?  Steve will give us the scoop on that.  Plus, he will also talk about expenses in retirement and why it is so important to have a plan in place and so much more!

To contact Steve to get your own questions answered, give him a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

See omnystudio.com/listener for privacy information.

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Coming up on this week’s show, Steve Caruso will give you the steps on how to have a smooth transition into retirement and  it all begins with a plan.  Losing a spouse is never easy and that includes making financial decisions.  He’ll explain how not to make costly mistakes when going through that difficult time.   Steve will also take a look at some common risks and see if they are worth taking and a whole lot more!

To contact Steve to get your own questions answered, give him a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

See omnystudio.com/listener for privacy information.

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Money is definitely important when it comes to your retirement years but it’s not everything. Steve Caruso will outline a few secrets that could lead to a happy retirement.  He will also discuss how not taking taxes into consideration could wreck your retirement and how knowing about annuities can complement your retirement portfolio.  He’ll break that down and more! 

To contact Steve to get your own questions answered, give him a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

See omnystudio.com/listener for privacy information.

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On this week’s show, Steve Caruso will break down some retirement “truth bombs” that will help avoid a financial crunch down the line; he will also take a look at a study of those who plan to delay and to accelerate their retirement and how you may relate; having a 401K is a good thing but Steve is going to show you how a Roth IRA can complement it and a lot more!!

To contact Steve to get your own questions answered, give him a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

See omnystudio.com/listener for privacy information.

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Preparing for retirement may feel like a full-time job with so much to know but on this week's show, Steve Caruso has some tips to prepare you for your golden years, including having a budget and retirement goal age.  He also talks about how to avoid rookie retirement mistakes, how to keep your taxes in check  and minimize the impact  and a lot more! 

To contact Steve to get your own questions answered, give him a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

See omnystudio.com/listener for privacy information.

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On this week's show, Steve Caruso has some good advice on how to avoid making retirement mistakes in challenging financial times including retiring too soon; Common sense planning tips including how to minimize “financial termites”; how to plan for retirement like an adult, yep, including not spending beyond your means and a lot more! 

To contact Steve to get your own questions answered, give him a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

See omnystudio.com/listener for privacy information.

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On this week's show, Steve has the remedies to cure certain stressors that may be plaguing you in your retirement goals; He will also go into some errors you could be making when it comes to your retirement; He will also explain how to figure out how much you are spending as you approach retirement and how to stick to a budget and a whole lot more!  

To contact Steve to get your own questions answered, give him a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

See omnystudio.com/listener for privacy information.

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On this week's show, Steve talks about some potential mistakes you may have made when it comes to retirement and if you have, solutions on how to fix them; He also talks about 401k's, annuities, how to avoid making serious blunders, including outliving your money and much more! 

To contact Steve to get your own questions answered, give him a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

See omnystudio.com/listener for privacy information.

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On this week's show, Steve gives some tips on how not to run out of money in retirement, including looking at your rate of return and inflation; He also breaks down some financial deadly sins and how not to let your emotions get the better of you when it comes to your retirement and he outlines some steps to take to avoid pitfalls in retirement, including a well-crafted plan and much more! 

To contact Steve to get your own questions answered, give him a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

See omnystudio.com/listener for privacy information.

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On this week's show, Steve gives you some signs to look out for if you are in danger of running out of money in retirement and some solutions to avoid that, retirement questions to ask yourself before the big one, "How much do I save?."  He also tackles questions you may be hesitant to ask your advisor and a lot more. To contact Steve to get your own questions answered, give them a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

See omnystudio.com/listener for privacy information.

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On this week's show, Steve discusses financial decisions that  may impact your income and taxes at certain retirement milestones and focuses on some key areas including social security; the Five Year Rule when it comes to the Roth IRA, including consequences and exceptions, why some old tried and true advice may not be the best for you and much more!  To contact Steve to get your own questions answered, give them a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

See omnystudio.com/listener for privacy information.

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On this week's show, Steve discusses has some tips and solutions to saving more for retirement, how to get into and stay into the saving habit.  He also breaks down IRA rollovers and a lot more! To contact Steve to get your own questions answered, give them a call any time at (800) 705-9995 and visit his website: LaurelWealthSolutions.com

See omnystudio.com/listener for privacy information.