Retireable: Recent Episodes
retireable
Have you ever tried to ask someone the specific steps they took to achieve a happy retirement? If you are already successfully retired, have you ever tried to explain to someone how you did it? It is an extremely difficult subject to know and navigate, and ideally we only learn the steps once in our lives. Welcome to Retireable, where long time advisors Michael Wallace and John Sauger discuss all things retirement. Mike and John draw on a long history of working with families at or near retirement age to achieve their retirement goals and dreams in order to share that knowledge with the audience. They’ll also interview professionals in all aspects of retirement life to gain more insight to share with the listener. Finally, they will spend time each episode using examples from families they work with who are having great success in their ”Retireable” time of life.
In our last episode we talked about being physically ready for retirement. Well, there's a mental side to retirement as well, which is sometimes harder than the physical aspect. Upon retirement, having worked in most cases, 30-40 years, your daily routine has suddenly, and sometimes drastically changed...are you mentally prepared? Everyone's situation is different and there are many factors that go into knowing whether the time is right to retire. As always, Mike and John are here to help you make that transition.
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Are you ready? There are many factors that go into knowing whether the time is right to retire. Everyone’s situation is different. It involves more than just being a ‘good saver’. Mike and John will break down which steps you should be looking for, including planning and investing.
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Annuities...You have questions, we discuss! Know the difference between types of annuities? Know how annuities work? Join John and Mike as they discuss all things they can about annuities and the inner workings. Then they continue their series on Holistic Happenings and how it might impact you.
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On this episode of Retireable, hosts John and Mike talk about creating and using “guardrails and buffers” with your investment strategies. Listen to some great ways to create the type of portfolio that will best suit different needs for different people. Then they continue their ongoing series of Holistic Happenings and what Mike and John see throughout their normal interactions.
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Join the Retireable podcast for a great discussion on retirement accounts and Retired Minimum Distributions! Planning and optimizing RMDs is an often overlooked strategy for many retirees. Mike and John discuss different philosophies and planning strategies to try to optimize this phase of retirement, both during those years and before you get to them.
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Join John and Mike as they discuss Bucket Planning and how it fits within the financial planning concepts for retirement. They discuss how it helps with finances as well as cases where it may help with advanced concepts like tax-efficiency or income planning in the later years of retirement. Then the hosts continue their ongoing conversation on Holistic Happenings.
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Pensions and Pension Buyouts! Join the Retireable hosts and their guest, John Cole, as they discuss some of the changes to the world of pensions and buyout opportunities. What to expect, and what to look out for. Then Mike and John continue their ongoing discussion of Holistic Happenings.
Financial Services of America | Personal Financial Planning (fsa1.com)
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Join John and Mike in this episode to learn more about charitable giving and the many ways you can give. They also discuss how giving will impact a family's tax footprint and investment planning. Many families want to give, they just don’t know the most up to date ways to do it to benefit both the charity and the family. They then continue their ongoing series of Holistic Happenings about some of the things Mike and John see in their everyday practices while serving families.
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Join John and Mike as they discuss some of the tax rules and ideas for giving to charities in the current environment. They discuss all kinds of different strategies to feel confident giving a gift and still documenting the tax savings for the gift. They also continue with their Holistic Happenings conversations about things and ideas they see in their everyday interactions with the families they work with and are referred to.
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Join the Retireable hosts as they interview Cetara James and discuss Medicare and the Open Enrollment. It is a complicated subject, and Cetara tries to make it easy to understand for the listener, plus the continuing discussion of “Holistic Happenings” as John and Mike discuss what types of things, they might see in their normal work activities.
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Mike and John continue their discussion about retirement planning and delve into Holistic Happenings to show some of the planning in action. The guys will also dive into more detail about what they see and do in the industry.
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Welcome back! Join John and Mike on the first episode of Season 2 of Retireable. The hosts discuss things in the retirement planning subject matter. This episode has a bunch of new info, as well as the Holistic Happenings segment to show some of the planning in action. No special guests on this episode as John and Mike try to dive into more detail about what they see and to in the industry.
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On the season wrap-up of Retireable, John and Mike walk through a handful of examples of when and where they use the information that was shared through-out this season in an effort to try to best bring the Retireable concepts together for the listener.
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are not affiliated companies. Financial Services of America and AEFS cannot guarantee
the accuracy or completeness of the Riskalyze, Holistiplan, RightCapital and Morningstar
software or outputs. Riskalyze, Holistiplan, RightCaptial and Morningstar are intended to
be used as tools in designing a financial portfolio.
Insurance products are offered through the insurance business Financial Services of
America (FSA). Financial Services of American (FSA) is also a Financial Services practice
that offers securities products and services through AE Financial Services, LLC (AEFS),
member FINRA/SIPC. Financial Services of America (FSA) is also an Investment Advisory
practice that offers investment advisory products and services through Financial Services
of America Advisors (FSAA), a Registered Investment Advisor. AEFS and FSAA do not offer
insurance products. The insurance products offered by Financial Services of America
(FSA) are not subject to regulatory requirements and standards of care applicable to
registered representatives and are not subject to investment advisory requirements.
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Services of America Advisors (FSAA), a Registered Investment Advisor. AEFS, FSAA (and
any other entities] are all separate and not affiliated entities.
Financial Services of American (FSA) advisors may refer you to local CPAs for tax services
(including our business partnership with FSA Tax & Accounting) and attorneys for estate
planning services (including our strategic partnership with Benjamin T. Vader, PLLC), if
needed, to coordinate and collaborate with you and your advisor on your holistic
financial plan (with proper, written authorization).
Please remember that converting an employer plan account to a Roth IRA is a taxable
event. Increased taxable income from the Roth IRA conversion may have several
consequences including (but not limited to) a need for additional tax withholding or
estimated tax payments, the loss of certain tax deductions and credits, and higher taxes
on Social Security benefits and higher Medicare premiums. Be sure to consult with a
qualified tax advisor before making any decisions regarding your IRA.
Join Mike and John as they interview Nick Shaheen of Financial Services of America. They continue a discussion about Financial Technology and some of the tools that the guys use when working with clients. They also continue the ongoing Holistic Happening examples that Mike and John come in contact with every week.
Advisor | Financial Services of America (FSA) | Warren (fsa1.com)
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Join John and Mike as they discuss all things Retireable. On this episode, the guys are joined by Bryan McLaughlin and have a wide ranging discussion on “cash alternatives” and some of the ideas Bryan is sharing with his clients. As always, the episode wraps up with “holistic happenings” and some examples of how John and Mike use their planning strategies in practice with the families they help.
Advisor | Financial Services of America (FSA) | Warren (fsa1.com)
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In this episode, Mike and John interview Sean Beckerman to discuss the idea of insurance. They quickly discuss different types of insurance but spend the majority of the interview talking about life insurance and the different methods of planning with it. The hosts then continue their regular conversation about “holistic happenings."
Advisor | Financial Services of America (FSA) | Warren (fsa1.com)
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Join Mike and John as they talk with Darci Barrera about technology in and for a comprehensive Holistic Financial Plan. Darci lays out what type of technology is mostly in use today, what she was looking for to best meet the needs of a family, and what she created to fit those needs. As always, Mike and John finish with a discussion about Holistic Happenings and what it means to the listener.
Advisor | Financial Services of America (FSA) | Warren (fsa1.com)
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On this episode of Retireable, Mike and John interview Beverly Bobcean and discuss a few different tax scenarios. Bev has a long history of tax preparation for not just individual families, but for small to medium business owners as well. They discuss different types of planning and filing options for those individuals. Then, the guys continue their Holistic Happenings stories from families they work with.
Advisor | Financial Services of America (FSA) | Warren (fsa1.com)
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In this episode, John and Mike interview Mark Kersten for a free-flowing discussion on Health Insurance and Medicare. Mark explains some of the things we should be aware of, and some of the questions we should be asking as we plan for our retirement years. Then they continue on the regular discussion of Holistic Happenings with some existing families they both work with.
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Advisor | Financial Services of America (FSA) | Warren (fsa1.com)
Join Mike and John as they bring on this episode’s guest, Mark Virostick. Mark goes into a detailed discussion of Tax Planning and ways to try to minimize taxes in our retirement years. Mark also shares some strategies of what to look for with different tax ideas that people might want to consider as they work towards a tax-free lifestyle.
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Advisor | Financial Services of America (FSA) | Warren (fsa1.com)
Join John and Mike as they continue their discussion of all things Retireable. In this episode, they interview Michael Spica and discuss information regarding retirement accounts. Mike and John try to get explanations for different types of accounts, how and when they are used, and some best practices with those accounts. They also continue their discussion of Holistic Happenings, which is the running commentary on Holistic Financial Planning and how it comes up in the regular business activities of both hosts and how it can impact the listeners life and planning.
Advisor | Financial Services of America (FSA) | Warren (fsa1.com)
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Join Mike and John on this episode as the interview attorney Benjamin Vader. Ben is on to discuss his law firm and what they see when it comes to Retirement and Estate Planning concerns and issues. Ben also explains some of the ways a family can do estate planning and what makes up a complete estate plan. Mike and John also continue their regular discussion to Holistic Happenings and share some examples of what their clients are facing every day.
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Advisor | Financial Services of America (FSA) | Warren (fsa1.com)
Welcome to Retireable, where long time advisors Michael Wallace and John Sauger discuss all things retirement. In this episode, Mike and John interview Jake Reeder, advisor and planner at Financial Services of America, on how he utilizes a Bucket Planning strategy with his clients and the success they are having with that planning. They also share a few stories of what is happening to the families they work with in the world of Holistic Planning.
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Advisor | Financial Services of America (FSA) | Warren (fsa1.com)
Welcome to Retireable, where long time advisors Michael Wallace and John Sauger discuss all things retirement.
In this episode, Mike and John interview Richard David James, founder and owner of Financial Services of America, an independent Holistic Planning Company based in Michigan. They also share a few stories of what is happening to the families they work with in the world of Holistic Planning.