A Better Way Financial Podcast: Recent Episodes
Frank and Frankie Guida
Welcome to the A Better Way Financial podcast, your trusted companion on the path to retirement prosperity. As the cornerstone of financial security for families and individuals, we're dedicated to making your retirement dreams a reality. Dive into insightful discussions led by the Guida family, renowned for their decades of experience in financial planning and wealth management.
Tune in to our podcast as we share actionable insights, insider tips, and expert advice to navigate the complexities of retirement planning. Whether you're aiming to maximize your savings, minimize risks, or optimize your investment portfolio, we're here to guide you every step of the way.
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What if your biggest retirement expense isn’t healthcare—but taxes? In this episode of Empower Your Retirement, Frank and Frankie Guida of A Better Way Financial explore how guaranteed income strategies, tax planning, and risk management can shape a more confident retirement. From real-life case studies to smart annuity options and portfolio adjustments, they break down how to align your financial plan with your lifestyle goals. Whether you're nearing retirement or just starting to plan, this episode offers practical insights to help you think differently about your future.
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Are you unknowingly taking on too much risk in your retirement portfolio? Frank and Frankie Guida explore how retirees can balance market exposure with safer financial options like fixed index annuities and alternative strategies. Through relatable anecdotes, they shed light on key decisions impacting income planning, portfolio risk, and long-term growth goals. Listeners will gain insights into structuring investments to weather market volatility and optimizing savings for a fulfilling retirement lifestyle, covering topics like income sustainability, safe money alternatives, and avoiding common pitfalls of timing the market.
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Retirement planning can be a critical turning point in financial security—are you prepared to tackle the risks and rewards? Frank and Frankie Guida unpack retirement portfolio strategies, emphasizing the importance of balancing risk tolerance and long-term growth. They explore the dangers of market downturns during retirement years and offers a comparison between traditional safe investments, like bonds, versus alternatives such as fixed index annuities. Real-world examples demonstrate how adjusting portfolios can optimize income and reduce exposure to significant losses. If you’ve saved for retirement but are unsure of your portfolio’s risk levels or potential returns, exploring strategic options could redefine your financial future.
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CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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Ever wonder how to optimize your retirement portfolio? Frankie Guida and Noah Williams go through strategies for balancing risk and returns, analyzing underperforming investments, and making informed decisions to boost your retirement income. Learn how one couple reduced their risk while increasing their potential returns and saving on fees, translating to a significant increase in annual income. Tune in for insights on evaluating your financial position and positioning yourself for a secure and prosperous retirement.
Schedule a complimentary appointment: A Better Way Financial
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Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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Retirement planning can be tricky, but there are ways to ensure a steady income. Frank and Frankie Guida discuss how pension and income annuities offer guaranteed income streams, even for those without traditional pensions. They also explain how converting IRA money to Roth can provide tax-free income later in life. Real-life examples illustrate the importance of a comprehensive income plan to meet retirement needs and combat inflation.
Schedule a complimentary appointment: A Better Way Financial
CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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Empowering your retirement by making your savings work for you can be a challenging transition. Frank and Frankie Guida discuss various annuity options, including fixed, immediate, and fixed index annuities, which provide income stability and market risk protection. The Guida’s highlight how fixed index annuities can replace bonds and ensure a steady income even in volatile markets. They emphasize the importance of converting portions of your portfolio into income streams using annuities to maintain financial stability throughout retirement.
Schedule a complimentary appointment: A Better Way Financial
CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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Retirees can save thousands in taxes by strategically planning their Required Minimum Distributions (RMDs). Frankie Guida highlights the impact of RMDs on retirement savings and the potential for tax-efficient legacy planning through strategies like Roth conversions.
Schedule a complimentary appointment: A Better Way Financial
CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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Retirement planning can feel like a roller coaster ride, especially in turbulent markets. It's crucial to adapt investment strategies as you near retirement to ensure stability. Frank and Frankie Guida share insights on how to manage investments during turbulent times, the necessity of portfolio reviews, and a real-life case study illustrating the benefits of strategic financial planning. A well-designed plan allows retirees to enjoy the fruits of their labor, whether it's a dream car or a comfortable lifestyle.
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Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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Retirement plans should transform your savings into a life of leisure. By examining risk and returns, Frank & Frankie Guida explain that retirees can optimize their investment portfolio. They share an example of one retired couple that enhanced their income and lifestyle by analyzing fees, risk, and returns. Frank & Frankie also discuss annuities and why they can be effective in a time of market turbulence.
Schedule a complimentary appointment: A Better Way Financial
CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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See omnystudio.com/listener for privacy information.
Frank & Frankie Guida discuss the recent market volatility amidst Trump’s policies on trade & tariffs and why identifying risk tolerance is essential for retirees. They explain that people don’t have to worry about market fluctuations if they are proactive in planning for retirement.
Schedule a complimentary appointment: A Better Way Financial
CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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Are you missing out on significant tax savings in your retirement? Frank & Frankie Guida explore the importance of strategic tax planning for retirement. Roth conversions can potentially save retirees hundreds of thousands of dollars in taxes throughout their retirement years, enhancing their financial stability and maximizing their income. Frank & Frankie explain that by addressing tax burdens now, retirees could ensure a more prosperous future for themselves and their families.
Schedule a complimentary appointment: A Better Way Financial
CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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Frankie Guida had the chance to attend the Country Radio Seminar in Nashville on February 19th-21st. He sat down with up-and-coming artists Chase Matthew, Hudson Westbrook & Redferrin.
Chase Matthew discussed his biggest musical influences, collaborations he dreams about, and what’s next for him in the near future.
Hudson Westbrook, who broke into the music scene thanks to a viral video of him performing his song “Take It Slow,” talked about how country music became his escape and the sacrifices he’s made to chase his dreams.
Redferrin spoke about his friendship with Florida-Georgia Line, how his motocross background shaped his grit in the industry and why storytelling is at the heart of everything he does.
Schedule a complimentary appointment: A Better Way Financial
CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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Retirement could be a never-ending vacation, but how do you prepare for it? In this episode, Frank & Frankie Guida discuss the importance of organizing financial details and goals before retirement. They explain how retirement planning could transform your life, offering freedom and fulfilling your dreams, whether it's traveling, spending time with family, or pursuing hobbies. Frank & Frankie highlight that taking the first step is crucial and how simple actions could lead to enjoying every day as a Saturday.
Schedule a complimentary appointment: A Better Way Financial
CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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Feeling overwhelmed by retirement planning? Frank & Frankie Guida dive into the benefits of comprehensive planning that is customized for your individual needs. They explain how to transition from a steady paycheck to stable retirement income, minimize taxes, and maximize your financial resources. Frank & Frankie also offer practical insights into optimizing pensions, Social Security, and investment options.
Schedule a complimentary appointment: A Better Way Financial
CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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See omnystudio.com/listener for privacy information.
Frank & Frankie Guida discuss how proper tax planning, as opposed to mere tax preparation, can significantly reduce your tax burden throughout your retirement. By utilizing strategies like long-term capital gains, Roth conversions, and efficient withdrawal methods, they explain how you can maximize your retirement savings and minimize taxes.
Schedule a complimentary appointment: A Better Way Financial
CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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See omnystudio.com/listener for privacy information.
Frank & Frankie Guida explain why it’s important to understand how to balance risk and growth. They discuss the importance of saving 10% of your income from an early age and adjusting your investment strategy as you approach retirement. Frank & Frankie touch on strategies for diversifying your portfolio and securing your savings.
Schedule a complimentary appointment: A Better Way Financial
CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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See omnystudio.com/listener for privacy information.
Frank & Frankie Guida explore the role of annuities in supplementing retirement income. They explain how annuities can function as a personal pension, providing a reliable income stream, especially for those without traditional pensions. Frank & Frankie explain that by investing a portion of savings into income annuities, retirees can ensure steady income even after the original investment is depleted. They also discuss how certain annuities offer a death benefit, ensuring remaining funds go to beneficiaries.
Schedule a complimentary appointment: A Better Way Financial
CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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See omnystudio.com/listener for privacy information.
Planning for retirement is crucial, but many people over 50 make common financial mistakes. Frank and Frankie Guida discuss that hiring a financial planner to navigate the complexities of retirement can help optimize savings and benefits. This includes understanding Social Security, pension plans, and tax laws that affect retirement income. Frank and Frankie explain that working with a planning team enables retirees to make informed decisions, minimizing the risk of running out of money.
Schedule a complimentary appointment: A Better Way Financial
CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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See omnystudio.com/listener for privacy information.
What will happen to your retirement plan if the market dips again? Frank and Frankie Guida discuss the importance of understanding and managing risk in retirement portfolios. The traditional 60-40 stock-bond portfolio remains popular, but it may not suit everyone, especially those nearing retirement who can't afford significant losses.
Frank and Frankie explain that by balancing market investments with safer options, retirees can protect their income during downturns. The key takeaway is to customize your portfolio based on individual risk tolerance to ensure financial stability throughout retirement.
Schedule a complimentary appointment: A Better Way Financial
CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
Follow us on social media: Facebook | LinkedIn | YouTube
See omnystudio.com/listener for privacy information.
Wondering where your next paycheck is coming from in retirement? Frank and Frankie Guida discuss various strategies for creating personal pensions to ensure a steady income stream after you stop working. They explore options like fixed index annuities and tax-efficient withdrawals while focusing on customized planning for individual circumstances.
Schedule a complimentary appointment: A Better Way Financial
CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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See omnystudio.com/listener for privacy information.
Are you prepared for financial challenges like natural disasters? Frank and Frankie Guida discuss strategies for safeguarding your investments even in the face of unexpected events. They highlight the importance of understanding risk tolerance, the role of annuities and bonds, and how to structure a portfolio to protect against market downturns while maximizing returns.
Schedule a complimentary appointment: A Better Way Financial
CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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See omnystudio.com/listener for privacy information.
The rules keep changing each year with Social Security while the full retirement age gradually increases. Frank and Frankie Guida discuss how claiming benefits before reaching full retirement age can reduce monthly payments, while delaying claims can lead to increased benefits. However, the decision is not straightforward, as individual circumstances such as health, longevity, and overall financial situation play critical roles.
Frank and Frankie highlight that as Social Security benefits are projected to reduce in 2035, it's essential to integrate Social Security into a comprehensive retirement plan.
Schedule a complimentary appointment: A Better Way Financial
CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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See omnystudio.com/listener for privacy information.
As you approach retirement, securing your financial future becomes increasingly crucial. With so many aspects to consider, from Social Security to investment strategies, creating a comprehensive plan is essential. In this episode, Frankie Guida discusses why retirement planning isn’t just about saving; it's about optimizing every aspect of your financial life.
Frankie highlights how turning on Social Security at the right time can significantly increase your lifetime benefits. Additionally, positioning your investments wisely can yield higher returns with less risk. Understanding your pension options, tax strategies, and income possibilities can help you live a more comfortable retirement.
Connect with the team at A Better Way Financial to start building your customized retirement plan today!
CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
Frank and Frankie Guida discuss setting realistic financial goals and resolutions, with a focus on one important thing that people heading into retirement need to consider: proactive planning. They share insights on how to approach building a retirement plan and why starting early can reap benefits for a more secure retirement.
Connect with the team at A Better Way Financial to start building your customized retirement plan today!
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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New research that stress-tested the 4% rule revealed that it failed for older ages, resulting in the lowest income over time. But why is this the case? Frank and Frankie Guida reveal the reason and explore the risks associated with the 4% rule and why customized income planning is more effective for retirees.
They also touch on tax planning for your income as well as strategies to begin taking Social Security.
Connect with the team at A Better Way Financial to get an analysis of your portfolio’s risk today!
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The Fed cut interest rates again and the stock market tanked. Even though 2024 has shown great returns despite the recent drop, what do those in retirement and nearing retirement need to pay attention to? In this episode, Frank and Frankie Guida discuss risk tolerance amid market volatility and the need to seek a balanced portfolio that can sustain through 20-30 years of retirement.
They touch on other strategies to generate income, such as ways to generate yield through less risk, and shift the focus towards aligning investments with financial goals.
Connect with the team at A Better Way Financial to get an analysis of your portfolio’s risk today!
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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Some people nearing retirement can retire a lot sooner than expected, but is it something everyone should do? In this episode, Frank and Frankie Guida dive into the delicate balance between work and retirement, emphasizing the importance of financial planning. They discuss how careful analysis and strategic planning can reveal whether individuals can retire early without sacrificing their lifestyle.
Frank and Frankie share a story of a couple who, through efficient saving and smart financial decisions, discovered they could retire sooner than anticipated with a comfortable income. They highlight the significant impact of planning on retirement decisions and provide some examples of how some people could achieve financial freedom sooner.
Connect with the team at A Better Way Financial to see if retiring early is right for you!
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Are you paying more taxes than you need to? What effect does the national debt have on future taxes? Frank & Frankie discuss personalized tax planning strategies that could help reduce your tax burden throughout your retirement. By analyzing individual tax returns and investment portfolios, they demonstrate how to maximize savings.
They also highlight the differences between tax preparers and tax planners, and why being proactive with taxes is an essential part of overall retirement planning.
Connect with the team at A Better Way Financial to go over your tax plan today!
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While pensions continue to become rarer, the number one fear that retirees have today is running out of money. So how do annuities come into play? Frank and Frankie discuss why annuities shouldn’t be discounted while planning for sustainable income in retirement. They touch on how effective tax planning can enhance retirement income and boost overall financial security.
Connect with the team at A Better Way Financial to get a second opinion on your retirement plan today!
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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The market continues to show resiliency in a time of uncertainty, causing some to believe a correction is around the corner. Frank and Frankie explore how recent economic developments are influencing investment portfolios and retirement planning. They dive into the significance of balancing risk tolerance with growth potential for long-term savings, emphasizing the importance of a well-structured portfolio.
Frank and Frankie also touch on the pitfalls of sitting on cash and the impact of inflation on financial health.
Connect with the team at A Better Way Financial to get a second opinion on your retirement plan today!
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Frankie dives into the SECURE 2.0 Act and what changes have been made for individuals and companies when it comes to contributing to a 401k account, including Roth options. He also touches on legacy and estate planning and reveals a shocking statistic about how many people don’t have a will in place.
Connect with the team at A Better Way Financial to get a second opinion on your retirement plan today!
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Frank and Frankie continue the discussion on Social Security and the various ways to claim benefits, the importance of timing, and strategies to maximize income during retirement. They emphasize how comprehensive financial planning can help make informed decisions about when to start receiving Social Security to best individual circumstances.
Connect with the team at A Better Way Financial to get a second opinion on your retirement plan today!
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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Frank and Frankie discuss the complexities of Social Security, emphasizing the importance of understanding various claiming strategies to maximize benefits. They discuss common misconceptions, the impact of timing on benefits, and the significance of personalized financial planning, especially for couples.
Connect with the team at A Better Way Financial to get a second opinion on your retirement plan today!
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Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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Frank and Frankie discuss strategies for preparing for a secure financial future, focusing on retirement savings, understanding required minimum distributions (RMDs), and effective tax planning. They emphasize the importance of being strategic with RMDs and highlight the potential benefits of Roth conversions to minimize tax burdens.
Connect with the team at A Better Way Financial to get a second opinion on your retirement plan today!
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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Frank and Frankie discuss the importance of identifying hidden fees in investment portfolios and how these fees can significantly impact retirement savings. They share case studies demonstrating how clients have saved substantial amounts by analyzing their fees and adjusting their portfolios.
The discussion also emphasizes the importance of risk management in retirement planning.
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Frank and Frankie dive into tax implications in retirement and optimizing retirement income through effective portfolio management. They explore the importance of understanding state tax policies, the impact of inheritance taxes, and how to structure retirement portfolios to achieve better returns while managing risk.
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Frank and Frankie discuss various aspects of financial planning, particularly focusing on retirement savings, the impact of the Fed cutting rates, and the importance of portfolio diversification. They emphasize the need for safe investments, tax strategies, and planning for a comfortable retirement while considering personal legacies.
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Frank and Frankie discuss the importance of financial planning and retirement preparation. Frank shares his memorable experience meeting the band Lynyrd Skynyrd, highlighting the band's legacy and their connection with fans. The conversation transitions into the significance of financial independence and achieving retirement goals.
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Frank and Frankie discuss the need for personalized financial advice, the significance of understanding withdrawal rates, and the potential pitfalls of relying solely on the 4% rule. The discussion also highlights the value of thorough financial planning, including tax savings and risk management, to maximize retirement income.
Connect with the team at A Better Way Financial to get a second opinion on your retirement plan today!
CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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Frank and Frankie discuss the challenges faced by younger baby boomers who are approaching retirement with less savings due to the impact of the Great Recession. They emphasize the importance of focusing on income rather than the total amount saved and highlight strategies such as maximizing contributions to retirement accounts and considering a Roth option.
Connect with the team at A Better Way Financial to get a second opinion on your retirement plan today!
CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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Social security is a complex topic that requires careful planning. The age at which you start taking social security benefits can have a significant impact on your monthly check.
Frank and Frankie discuss the differences between starting at age 62 and age 70. The decision on when to start taking social security depends on factors such as life expectancy, financial needs, and portfolio income.
Connect with the team at A Better Way Financial to get a second opinion on your retirement plan today!
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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Frank and Frankie highlight the importance of balancing risk and protection in retirement portfolios. They emphasize the need to understand how the markets work and to consider personal risk tolerance.
The Guidas also discuss the role of financial planning in setting up portfolios for long-term success.
Connect with the team at A Better Way Financial to get a second opinion on your retirement plan today!
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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Frank and Frankie discuss the recent market pullbacks and how to protect oneself during these times. They emphasize the importance of understanding historical market trends and using a strategy that balances risk and safety.
They also share a case study of a couple who were able to retire earlier and increase their income by adjusting their portfolio. The key takeaway is to have a personalized retirement plan that considers risk tolerance, income needs, and tax savings.
Connect with the team at A Better Way Financial to get a second opinion on your retirement plan today!
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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Frank and Noah discuss the many factors that determine when someone should retire and emphasize the importance of working because you want to, and not because you need to. They also highlight managing risk in investments and reducing fees to optimize income in retirement.
Connect with the team at A Better Way Financial to get a second opinion on your retirement plan today!
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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Frankie and Noah highlight the impact of the upcoming election on financial planning and retirement strategies. They emphasize the importance of not letting political uncertainty dictate investment decisions and instead focus on long-term goals.
Frankie and Noah also highlight the need for risk assessment and portfolio diversification to protect against market downturns. Additionally, the discuss the significance of tax planning and how it could potentially save substantial amounts of money over a lifetime.
Connect with the team at A Better Way Financial to get a second opinion on your retirement plan today!
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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Frank and Frankie discuss the complexities of Roth 401(k) contributions and the potential tax implications for employees. They emphasize the importance of tax planning and explore strategies such as maxing out Roth contributions, converting traditional 401(k) funds to Roth IRAs, and repositioning portfolios to minimize taxes.
Connect with the team at A Better Way Financial to get a second opinion on your retirement plan today!
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
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Frank and Frankie talk about having a retirement mindset and the importance of aligning financial goals. They address the desire to become a millionaire in retirement and the challenges associated with unnecessary financial risks.
Frank and Frankie also highlight the need for social security planning and tax planning and how they optimize retirement income and savings.
Connect with the team at A Better Way Financial to get a second opinion on your retirement plan today!
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
Frank and Frankie discuss overplanning for retirement, reducing taxes and risk, and how to incorporate charitable giving into financial planning. They emphasize the importance of tax planning and explain how it can potentially help save significant amounts of money through someone’s retirement years.
Connect with the team at A Better Way Financial to get a second opinion on your retirement plan today!
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
Frank and Frankie highlight how certain investments can clutter a retirement plan and explain why fees and risk tolerance need to be analyzed. They emphasize why having a strategy for retirement income is crucial when developing a plan.
Connect with the team at A Better Way Financial to get a second opinion on your portfolio today!
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
Frankie discusses fees within a financial plan and explains the need to uncover, reduce and understand them. He highlights the impact that fees can have on retirement savings.
Connect with the team at A Better Way Financial to see how fees are impacting your retirement plan today!
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
Frank and Frankie discuss taxes and various income options when planning for retirement. They emphasize the importance of effective tax planning and explain how Roth conversions could lead to tax savings to increase income.
Connect with the team at A Better Way Financial to see how taxes are impacting your retirement plan today!
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
Frank and Frankie discuss the complexities of taxes and the importance of tax planning for retirement. They highlight the challenges of navigating the thousands of pages of the tax code and the additional IRS regulations.
Also, Frank and Frankie touch on the benefits of Roth conversions and using non-qualified funds before tapping into Roth accounts.
Connect with the team at A Better Way Financial to start developing your income plan in retirement today!
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
Hidden fees in your portfolio can eat away at your investments more than you think. In this conversation, Frank and Frankie discuss why it’s important to expose the fees in your retirement plan to maximize income.
Connect with the team at A Better Way Financial to start developing your income plan in retirement today!
CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
In this episode, Frank and Frankie discuss the complexities of Social Security and the role of 401k in retirement planning. It explores the decision of when to claim Social Security benefits and the potential strategy of using a 401k as a bridge.
Also, hear about the importance of understanding the rules and options of Social Security and the need to consider factors such as age, spouse's age, income, and your investment portfolio.
Connect with the team at A Better Way Financial to start developing your income plan in retirement today!
CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
Preparing for your financial future requires careful planning and consideration of various factors, such as income planning. Annuities can be a valuable tool for income, but it’s important to understand the different types and how they work.
In this episode, Frank and Frankie discuss the misconceptions surrounding annuities and highlight the various parts of a retirement plan, including income, taxes and investment strategies.
Connect with the team at A Better Way Financial to start developing your income plan in retirement today!
CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
Schwab says that people need $1.8 Million in savings in order to retire. But is it still possible to retire with less than that and even less than $1 Million?
In this episode, Frank and Frankie discuss the different factors retirees need to consider rather than just looking at what they've saved for retirement.
Connect with the team at A Better Way Financial to start developing your income plan in retirement today!
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
401(k)s and IRAs are popular retirement savings tools. But it's important to understand their rules and implications, such as how required minimum distributions (RMDs) play a factor into your overall retirement plan.
In this episode, Frank and Frankie discuss how Roth conversions can be a beneficial strategy to minimize taxes in retirement, and how proactive tax planning may result in savings over a retiree's lifetime.
Connect with the team at A Better Way Financial to see if a Roth conversion is right for you!
CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
Don't try to time the market. Instead, focus on long-term investing strategies. Frank and Frankie discuss the parallels between trying to win the lottery and predicting market behaviors.
Also on this episode, hear why creating a financial plan can ease the transition into retirement and why tax planning is an essential part in maximizing income.
Connect with the team at A Better Way Financial to start building your financial plan!
Read Our Book! Amazon Best Seller, "The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams."
See omnystudio.com/listener for privacy information.
The word “retirement” can get people emotional and concerned when thinking about money and their future. Money blogger J.L Collins emphasizes that a better way to think about retirement is achieving financial independence, which gives people more options to live how they want to after their working years.
On this episode, Frank and Frankie discuss the key differences between needing to work and wanting to work. Hear about the importance of still finding purpose in your retirement years.
Connect with the team at A Better Way Financial to start building your financial plan!
CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
Just because you retire, doesn’t mean you pay less taxes. Ron Swanson from “Parks and Recreation” explains to a young girl how taxes work by eating most of her lunch. But how much of your “lunch” is eaten by Uncle Sam when you enter retirement?
On this episode, Frank and Frankie discuss Roth conversion strategies to create a tax-friendly retirement plan.
Connect with the team at A Better Way Financial to start building a plan for yourself and your loved ones.
CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
It’s estimated that more than half of parents with adult children have given them financial help in the past year. For a third of those parents, it ended up hurting their own finances, including their retirement savings.
On this episode, Frank and Frankie Guida (Father-son team of financial advisors) discuss the delicate balance between helping family and protecting your future. Listen to their ideas on balancing family needs with your financial goals, plus strategies to help maximize your retirement savings.
Connect with the team at A Better Way Financial to start building a plan for yourself and your loved ones.
CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
With nearly 11,000 baby boomers retiring daily, the landscape for small businesses and personal finances is shifting.
On this episode, Frankie Guida speaks from personal perspective, as he works with his father at A Better Way Financial with the plan to take over the family business himself one day.
However, many Boomers who own businesses are struggling to figure out what to do with their companies when their children do not want to take over.
Frankie shares ideas on succession planning for family-owned businesses, especially when retirement funds are tied to the sale of the business, plus strategies to minimize taxes on business sales and effectively manage the transition to retirement.
Ready to sell your small business? Connect with the team at A Better Way Financial to begin your retirement transition plan today.
CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
There are 100,000 pages in the tax code, and it’s up to you to figure out the best moves while staying within the law! But tax woes don’t end when you get to retirement. In fact, without a proper tax plan, taxes can be a major drain on your savings.
On this episode, Certified Financial Planner Frankie Guida shares strategies you may be able to utilize in effort to reduce your taxes in retirement.
Learn about the hidden tax traps that may be lurking in your plan, how to leverage tax-advantaged accounts like Roth IRAs and 401(k)s, and strategies to help reduce your taxable income in retirement.
Visit A Better Way Financial.com and get to work on creating a tax efficient retirement plan.
CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
As the Government works to reduce ‘junk fees’ for college students hidden in their tuition costs, at A Better Way Financial they work daily to uncover the fees often hidden in retirement accounts.
On this episode, Frank and Frankie point out the common fees that may be silently eroding your retirement savings and why fee transparency matters. From reducing taxes to uncovering the true cost of your 401K, they share insight on how ignoring these areas could end up costing you thousands.
Learn ideas to improve your portfolio efficiency. Visit A Better Way Financial.com for your complementary portfolio x-ray.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
How much is your 401(k) costing you? On this episode, Frank and Frankie, father-son duo of financial advisors and retirement planners, dive into the often-overlooked aspect of retirement planning: fees.
We hear from financial strategist Tony Robbins who does the math to exemplify the hundreds of thousands many Americans are losing from their accounts over their lifetime… and they don’t even know it.
At A Better Way Financial, they work to shed light on the significant impact that fees can have on your 401K and overall retirement savings and explain the importance of transparency that they have with each of their clients.
Find the fees that may be hiding in your account! Visit A Better Way Financial.com for your complementary Fee X-ray.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
Join Frank and Frankie as they kick off 2024 by discussing New Year's resolutions and, most importantly, how to make your financial goals a reality.
Learn the importance of planning for retirement and their belief on why improving your finances is an easier resolution to keep than one that focuses on getting fit and losing weight. A simple phone call and gathering your financial statements can set you on the right path!
Explore strategies for maximizing Social Security benefits, optimizing investments, and significantly reducing fees. Uncover ways to save on taxes to ultimately provide more income in retirement.
If your New Year's resolution involves securing your financial future, visit A Better Way Financial.com and get started today.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
It’s been four years since Congress passed Secure 1.0 which allows companies to offer annuities within 401(k)s. Still, there have been few adopters despite research showing strong interest.
Frank and Frankie dive into the often-misunderstood world of annuities and their potential place in your retirement plan. They share insight on how a strategic switch in annuities could provide you extra income in retirement and how, at A Better Way Financial, they help clients optimize their retirement savings through tax planning like Roth conversions and distribution strategies.
If you're seeking ideas to maximize retirement income and reduce future taxes, visit A Better Way Financial.com and get started today.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
Frank and Frankie dive into the realm of Roth conversions and year-end tax strategies, sharing their personal experiences on how these types of efforts can benefit retirement plans.
Discover how converting your pre-tax accounts to after-tax Roth accounts could help transform your financial landscape. Whether you're approaching retirement or already reveling in it, this episode breaks down the opportunities and benefits of strategic tax planning.
Unwrap the gift of financial wisdom! Visit A Better Way Financial.com and begin your planning today.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
In this episode, Frank and Frankie address the recent controversial statement made by personal finance guru, Dave Ramsey, recommending that retirees can stay 100% invested in stocks and withdraw 8% annually, with no worries.
We address the flaws in this suggestion and urge caution against relying on high average returns without accounting for market volatility.
If you're navigating the complexities of retirement planning and want to understand the potential risks and rewards of various strategies, visit A Better Way Financial.com to begin your journey toward a well-informed retirement future.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
Retiring early can be alluring, but it comes with its unique set of challenges.
On this episode, Frank and Frankie explore the nuances of early retirement and why it requires meticulous planning and strategic financial decisions.
They point out challenges faced by those contemplating early retirement, from choosing the right pension option to making informed decisions about Social Security.
Breaking down essential elements like addressing inflation, optimizing Social Security benefits, managing investment risks, and optimizing portfolios for tax savings, they reveal how careful planning can make early retirement not just a dream, but a reality.
If you're intrigued by the idea of retiring early, visit A Better Way Financial.com to start your plan!
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
Recently, The Wall Street Journal echoed what many have been feeling: the 60-40 portfolio mix is failing, not just because of the "riskier" stocks…but because bonds have taken serious hits in the last few years.
In this episode, Frank and Frankie challenge traditional financial wisdom and delve into the pitfalls of “old financial rules.” There are many different investment blend opportunities available to retirees and pre-retirees. Alternatives like fixed indexed annuities may offer more stability. Combined with savvy tax strategies, you could potentially increase your annual retirement income by thousands.
If you're seeking help in navigating market uncertainties, minimizing taxes, while creating viable retirement income streams, visit A Better Way Financial.com to begin tailoring your financial future.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
New inflation numbers came in lower than expected. October's Consumer Price Index was 3.2%, down from September’s 3.7% and the core CPI (which excludes food and energy prices) dropped one-tenth to 4.0%. Still, the numbers are higher than the Fed’s goal of 2%. And even though it recently passed on raising interest rates again, the Fed vows to continue its fight.
On this episode Frank and Frankie Guida delve into the impact of inflation on not just your holiday budget, but your retirement portfolio for all Thanksgivings still to come.
We hear from Shark Tank's Kevin O'Leary who says where he thinks the Fed may go, sparking a conversation on the crucial necessity to incorporate inflation into your financial plan.
Learn how proper planning, with things like lower risk investments, may help ensure your income not only meets today's needs but grows with you over time.
Visit A Better Way Financial.com to start your journey to a better financial future.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
On this episode of A Better Way Financial, we discuss the lessons you can learn from Gen Z. Often underestimated, this group of young workers is already excelling in retirement savings, reiterating the importance of longevity planning.
Frank and Frankie also discuss other misconceptions around retirement expenses, revealing how taxes usually top the list, and the common mistake of miscalculating the true impact of inflation.
Connect with the team atA Better Way Financial.com to learn more about tax saving strategies, maximizing Social Security benefits and other important, actionable steps to take towards a better financial future.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
It’s time to start taking your RMDs (Required Minimum Distributions) but you don’t need the money…In this episode, Frank and Frankie Guida explore the strategies you may be able to utilize.
Charitable giving through QCDs (Qualified Charitable Distributions), Roth conversions, or using the funds for long term care may all be options within your plan.
Additionally, Frank and Frankie stress the significance of optimizing your entire financial plan, including lowering risk, reducing costs, and planning for taxes all to help enhance your retirement experience.
Connect with the team at A Better Way Financial.com to learn more about these strategies.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
Recent history has shown that markets have a track record of mostly absorbing geopolitical conflicts. But there could be another impact when it comes to interest rates.
In this episode, Frank and Frankie dive into the financial implications of these kinds of events, bond market turbulence, and tax planning for the upcoming year emphasizing the importance of balancing added safety and reasonable returns in your investment portfolio, especially if you're a retiree or close to retirement.
They discuss how rising interest rates have impacted the bond market and why bonds may not be your best option anymore while revealing possible alternative investment strategies.
In retirement, you need a proactive planner who can help you navigate changing tax laws and market conditions. Connect with the team atA Better Way Financial.com for a second opinion on your plan.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
You may have a financial advisor whom you love…but are you getting the service you need for retirement?
In this episode, Frank and Frankie share their experience in handling the delicate conversations involved with financial and retirement planning, and why you may need a second opinion on your retirement plan.
Many individuals work with financial advisors during their accumulation years, but as retirement approaches, the financial landscape changes significantly. Decisions around Social Security, pension options, income strategies and tax and legacy planning become critical, and not all advisors are equipped to handle these unique challenges that retirement brings.
A retirement-focused advisor can help navigate this very different financial terrain to show you what options you may have. If you're approaching retirement, connect with the team at A Better Way Financial.com for a second opinion on your plan.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
See omnystudio.com/listener for privacy information.
There’s speculation that Alabama’s head football coach, Nick Saban, may be thinking about retiring. But no matter what your occupation, knowing when to retire is a significant, and often challenging, decision.
With 38 years of experience in his field, financial advisor and retirement planner, Frank Guida, understands the importance of working because you want to, not because you have to…
In this episode, Frank and his son and fellow advisor, Frankie Guida, share insight on how they help clients prepare so that they’re ready when the time comes to leave the 9 to 5 behind.
Breaking down critical elements of retirement planning (creating a financial plan, managing your funds, tax planning, Social Security, and investment strategies) the team at A Better Way Financial knows that a successful retirement starts with having a gameplan in place.
Don't wait. Go to A Better Way Financial.com and get started creating a plan customized to your retirement goals.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
#retirementplanning #stockmarket #risktolerance #taxplanningforretirement #retirementtaxplanning #estateplanning #financialservices #financialplanning #money #personalfinance #retirement #investing #savings #RetirementSavings #TaxPlanning #NickSaban #SocialSecurity #InvestmentStrategies #EstatePlanning #TaxEfficiency #FinancialFreedom #FinancialSecurity #401k #RothConversion #TaxSavings #RetirementIncome #FinancialPlanning #TaxStrategies #financialplanner #financialliteracy #wealth #ABetterWayFinancial #fyp #podcast #Allentown #Pennsylvania
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The stock market can be a great place to grow your wealth, but it comes with volatility and a big market crash could wipe out a significant portion of your retirement savings.
Meanwhile, the threat of future tax hikes could have a big effect on your tax-deferred IRA and 401(k).
In this episode, Frank and Frankie delve into the downsides of relying solely on your 401(k) while exploring options you may have to your financial outlook. Learn how in-service distributions and Roth conversions might be game changers as you approach retirement.
If you're looking to maximize your retirement savings, and minimize taxes, within a personalized financial and retirement plan, visit A Better Way Financial.com to get started.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
#retirementplanning #marketcrash #stockmarket #risktolerance #taxplanningforretirement #retirementtaxplanning #estateplanning #financialservices #financialplanning #money #personalfinance #retirement #investing #savings #RetirementSavings #TaxPlanning #FinancialSecurity #401k #RothConversion #InServiceDistribution #MarketDownturns #TaxSavings #RetirementIncome #FinancialPlanning #TaxStrategies #financialplanner #financialliteracy #wealth #ABetterWayFinancial #fyp #podcast #Allentown #Pennsylvania
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Americans are retiring earlier than they had expected. On average, they initially thought they’d retire at age 63, but instead have left the workforce at 61 and a half.
While it should be a time to relax and enjoy the fruits of your labor, if you're not careful you could run out of money.
In this episode, Frank and Frankie share ideas on how to retire early without running out of money.
They discuss a variety of topics, including:
- Choosing the right pension option for you
- When to start taking Social Security
- Planning for taxes in retirement
- Monitoring your plan to keep it on track
Thinking about retiring early? Visit A Better Way Financial.com to start building your plan.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
#ABetterWayFinancial #RetirementSavings #FinancialPlanning #BabyBoomers #RiskTolerance #TaxStrategies #RetirementIncome #RetirementPlanning #EarlyRetirement #FinancialFuture #PortfolioManagement #FinancialSecurity #PensionOptions #SocialSecurity #TaxSavings #InvestmentStrategies #retirement #financialplanner #financialliteracy #wealth #fyp #podcast #Allentown #Pennsylvania
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Ten years ago, 60 Minutes interviewed financial planner Brooks Hamilton who raised concerns about the quality of mutual funds in 401(k) plans. Recently the clip has seen new life online with many asking, “Have things improved since then?”
In this episode, Frank and Frankie break down some key changes in 401(k) plans, including the rise of Roth 401(k) options and their potential benefits for tax-free retirement income. They emphasize the significance of employer matches and discuss strategies for minimizing taxes on your retirement savings.
Learn about the advantages of in-service distributions once you reach age 59½ and how doing them might expand your investment options. Learn about the pitfalls of certain target retirement funds and explore alternatives for a balanced portfolio.
If you're looking to boost your retirement savings, minimize taxes, and secure your financial future, visit A Better Way Financial.com to start the conversation about your retirement plan today.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
#ABetterWayFinancial #RetirementSavings #FinancialPlanning #BabyBoomers #Retirement #RiskTolerance #PortfolioDiversification #60Minutes #401k #401kPlans #RetirementPlanning #Roth401k #TaxStrategies #MutualFunds #TargetRetirementFunds #InServiceDistributions #RetirementIncome #PortfolioOptimization #MarketDownturns #FinancialFuture #retirement #financialplanner #financialliteracy #wealth #fyp #podcast #Allentown #Pennsylvania
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Baby boomers have an enduring love affair with the stock market. While the allure of double-digit returns is undeniable, is it wise to remain heavily invested in stocks as retirement approaches?
On this episode of A Better Way Financial, financial advisors and father-son team Frank and Frankie Guida discuss the importance of finding a balance between market exposure and financial security in your retirement plan. They break down some of the risks of maintaining a stock-heavy portfolio in retirement and share strategies for transitioning to a more diversified approach to help increase safety.
Ready to learn ways to reduce your risk in retirement? Connect with the team at A Better Way Financial.com.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
#StockAddiction #BabyBoomerStocks #RetirementPortfolio #StockMarketRisks #DiversifiedPortfolio #RetirementPlanningStrategies #MinimizingTaxes #MarketExposure #ABetterWayFinancial #RetirementSavings #OptimizingRetirement #FinancialInsights #FinancialPlanning #StockMarketInvestment #FinancialStrategies #BabyBoomers #Stocks #Retirement #RiskTolerance #PortfolioDiversification #TaxPlanning #WallStreetJournal
On this episode, financial advisors and retirement planners Frank and Frankie Guida discuss the importance of having the right attitude when it comes to retirement planning.
They share the story of a 100-year-old woman who credits her positivity for her long life and explain how a positive attitude can help you overcome challenges and achieve your financial goals.
Discover secrets to preparing for retirement with optimism and confidence. From leveraging market-savvy investments to tax-efficient planning, learn insight that can revolutionize your financial outlook and how attitude impacts not only your wellbeing but also your financial journey.
Ready to take control of your financial future? Visit A Better Way Financial.com
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
#reitrementincome #Pennsylvania #Allentown #retirement #financialplanner #wealth #fyp #podcast #financialplanning #taxplanning #retirementregrets #retirementplanning #retirementplanningstrategies #inflationprotection #retirementpreparation #avoidingfinancialregrets #retirementpitfalls #socialsecurityoptimization #taxefficientretirement #ABetterWayFinancial #FinancialFuture #PositiveAttitude #FinancialStrategies #TaxEfficientPlanning #Mildred Kirschenbaum #FinancialAttitude #FinancialHappiness
A recent survey found that more than half of retirees said they’d go back and plan their retirement differently if they could. 63% regretted not including investments that provided a steady income stream, saying they’d like to receive an ‘automatic paycheck.’
On this episode, financial advisors and retirement planners Frank and Frankie Guida share their ideas and ways they help clients avoid this want for a “do-over.”
Discover the importance of building a secure nest egg, creating a steady income stream, and preparing for unexpected events like inflation and market volatility. With the retirement landscape rapidly evolving, the need for strategic financial planning is more crucial than ever. Join us as we explore how to avoid these pitfalls and optimize your retirement journey.
The team at A Better Way Financial works to shed light on the advantages of proactive retirement planning, including safeguarding your portfolio against market crashes, optimizing Social Security income, reducing tax burdens, and creating pension-like income. Learn from a real-life case study of a couple in their late 60s who turned their retirement around through effective financial planning.
Find ways to help secure your financial future. Connect with the team at A Better Way Financial for a comprehensive retirement plan and review.
Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
#reitrementincome #Pennsylvania #Allentown #retirement #financialplanner #financialliteracy #wealth #fyp #podcast #fall #financialplanning #taxplanning #retirementregrets #retirementplanning #retirementplanningstrategies #inflationprotection #retirementpreparation #avoidingfinancialregrets #retirementpitfalls #socialsecurityoptimization #taxefficientretirement #ABetterWayFinancial
On this episode Frankie Guida shares the strategies they use at A Better Way Financial to help clients add more security into their financial futures.
With fall marking a critical time for financial planning, they delve into the challenges of an aging advisor landscape and the need for generational expertise. Learn the importance of having a financial advisor who will be with you through retirement and beyond, while providing you with a comprehensive plan that covers investments, income planning, tax optimization, and more.
Discover how the team at A Better Way Financial, with decades of experience and a multi-generational approach, can help you navigate the complexities of retirement planning.
Don't miss out on valuable insights and actionable tips for a financially secure retirement journey.
Looking for more financial guidance? Connect with the team at A Better Way Financial for a comprehensive retirement plan and review.
Be sure to read our book, Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
#reitrementincome #Pennsylvania #Allentown #retirement #financialplanner #financialliteracy #wealth #fyp #podcast #fall #financialplanning #taxplanning
Many people dream and plan for the perfect wedding day. Still, disasters can and do happen… as proven by the laundry list of wedding day errors for this one bride. But a wedding is usually just one day in life. Your retirement might also not go as planned. Unexpected events or changes in circumstances can happen, and without a proper plan, cause much financial strife.
On this episode, financial advisors and retirement planners Frank and Frankie Guida talk about how the team at A Better Way Financial helps their clients plan for the unexpected and adapt to new situations, so that their retirement is not derailed.
- First, you must have a plan.
- Then, you need to test that plan.
- Moving forward, you need to regularly review and update according to external factors like tax law changes, Social Security changes, market fluctuations, health care and family needs, etc.
It’s critical to not only have a financial plan, but to continually update it to reflect on how major life changes could affect you and build guardrails to prevent you from running out of money.
If you are near or in retirement, and you don’t have a financial plan, or you have a plan that needs to be updated due to market changes or life events Connect with the team at A Better Way Financial for a comprehensive retirement and tax plan review.
Be sure to read our book, Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
#taxes #socialsecurity #reitrementincome #Pennsylvania #Allentown #retirement #financialplanner #financialliteracy #wealth #fyp #podcast
During his recent trip to Nashville, financial advisor & retirement planner Frank Guida sat down for a great conversation with Candace Owens, American conservative political commentator, author, activist, and television presenter.
Connect with the team at A Better Way Financial for a comprehensive retirement and tax plan review.
Be sure to read our book, Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
A recent Gallup poll found that 51% of respondents feel their income taxes were not fair. That’s the highest number in two decades and this survey doesn’t take into account that the Trump Tax Cuts*will expire at *the end of 2025.
Very often, taxes are the biggest expense in someone’s retirement. Without a written tax plan, within your overall retirement plan, you could pay thousands more in taxes than necessary.
On this episode, financial advisors, retirement planners and father-son duo Frank and Frankie Guida share ideas on how you may be able to take advantage of this time by doing your long-term tax planning now.
The team at A Better Way Financial can show you how utilizing tools like Roth conversions, suitable market strategies, and proper insurance products may position you to pay less taxes in retirement.
Learn what tax strategies may work within your financial plan. Connect with the team at A Better Way Financial for a comprehensive retirement and tax plan review.
Be sure to read our book, Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
This week we revisit Frankie’s conversation with Country Music Superstar Jason Aldean about life on the road, staying motivated, and what Jason loves about Country Music. Connect at ABetterWayFinancial.com.
Over 90% of financial advisors last only 3 years in the business.
Some common reasons for quitting include a lack of fulfillment, difficulty finding clients, and burnout.
But financial advisor and retirement planner Frank Guida has been in the business for almost 4 decades!
On this episode, he shares his thoughts on why so many fail as an advisor due to the high demands of working at big financial institutions, how he’s withstood the test of time, and what that experience brings to the table.
A Better Way Financial is a family-owned business where Frank and his son Frankie Guida work together, alongside their entire team, to create customized plans for each one of their clients and treat every individual they meet like family.
If you need a financial plan and guideline that lays out when to turn on Social Security, how to get reasonable returns without excess risk, while lowering your fees and future taxes, connect with the team at A Better Way Financial for a comprehensive financial plan review.
Be sure to read our book, Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
Your family’s health history is just one factor in your longevity risk, but how can you calculate and plan for it?
On this episode, we hear comedian Nate Bargatze’s thoughts on getting his own family health history which reminds us that it’s not so simple.
Financial advisors and retirement planners Frank and Frankie Guida have a unique perspective on the family dynamic since they are a farther-son team.
At A Better Way Financial they preach the importance of figuring longevity into your retirement plan, because you don’t want to run out of money!
If you’re looking to retire or you're already retired and don’t have a detailed financial plan showing how to optimize your savings and investments so you get the most income from your portfolio while not taking unnecessary risk or paying more taxes than you have to, connect with the team at A Better Way Financial for a comprehensive financial plan review.
Be sure to read our book, Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
It’s the question most retirees ponder. For a long time, many have subscribed to the “4% Rule” but a columnist in the Wall Street Journal has his own that he calls the “$400 Rule.” He says you’ll spend about $400 each month in retirement above and beyond what you think you’ll spend.
On this episode, financial advisor and retirement planner Frankie Guida explains how at A Better Way Financial not only can they do the math to help ensure your expenses are covered, they also factor in potential recurring, inadvertent expenses that you may forget to include. They build retirement plans equipped with income streams that factor in things like taxes, inflation, and other variables.
They also explain how turning on your Social Security at the right time, setting up investments and taking income properly, and doing tax planning may allow you to live on more income than you had planned without having to save more or winning the lottery. A simple repositioning of the funds you already have could allow you to live an even bigger retirement than you’d dreamed!
Do you know how much money you can live on for the rest of your retirement? Are you leaving tens of thousands of dollars on the table?
Connect with the team at A Better Way Financial to find out how much income you can live on for the rest of your life going up with inflation.
Don’t forget to check out our book: Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”
The Federal Reserve has paused interest rate hikes for now but hasn’t ruled out another increase down the road if inflation remains stubborn. Still, economist Paul McCully remains optimistic that we won’t see a recession.
Financial advisors and retirement planners, Frank and Frankie Guida point out that there will always be people on both sides of the spectrum when forecasting our economic future.
This is why the entire team at ABetterWayFinancial works to help their clients build customized plans to weather whatever financial storm may come their way and can help you as well.
Connect at ABetterWayFinancial.com.
You think that when you’re boarding a plane it’s been thoroughly cleaned, but one former flight attendant says to think again!
Financial advisors and retirement planners, Frank and Frankie Guida point out how the same could be said for your retirement savings.
It’s a matter of looking for the dirt where you didn’t know it hides in places like:
- Low returns
- Unnecessary risk
- Exorbitant fees
- Paying too much in taxes
Connect with the team at ABetterWayFinancial.com for a portfolio review to ensure you don’t have hidden dirt in your accounts.
If you already have a financial advisor but feel like they’re missing something, take action and get a second opinion on your retirement savings. In this episode, financial advisors and retirement planners Frank and Frankie Guida share what the experience of a second opinion is like for retirees who come to their office.
If you have questions about Social Security, tax planning, income streams, and health and medical coverage for your retirement, begin your conversation with the team at ABetterWayFinancial.com.
Problems that often hide “under the hood” of retirement portfolios. Connect at ABetterWayFinancial.com. #Pennsylvania #Retirement
We’re using the internet to self-diagnose medical concerns and are doing the same with retirement planning. Frank and Frankie point out benefits of working with a professional. Connect at ABetterWayFinancial.com.
Risk is a part of retirement planning, but you can mitigate it and make necessary adjustments for your retirement. Connect at ABetterWayFinancial.com.
Risk is a part of retirement planning, but you can mitigate it and make necessary adjustments for your retirement. Connect at ABetterWayFinancial.com.
The recent failures of some smaller regional banks have many savers asking, “Is my money safe?” Connect at ABetterWayFinancial.com.
A recent article lists the “worst mistakes” people make when withdrawing from retirement accounts. Frank and Frankie point out that the optimal sequence is different for everyone. Connect at ABetterWayFinancial.com.
With Jason Aldean’s Highway Desperado Tour Announcement, we revisit Frankie’s conversation with the Country Music Superstar about life on the road, staying motivated, and what Jason loves about Country Music. Connect at ABetterWayFinancial.com.
Financial experts are calling for bubbles, but are they champagne or Alka-Seltzer? Frank and Frankie talk about sifting through varying opinions to find your “happy place.” Connect at ABetterWayFinancial.com.
60% of U.S. adults experience anxiety just thinking about their finances. Frank and Frankie share ways to build a plan and alleviate your worries. Connect at ABetterWayFinancial.com.
IRA’s, Pensions, Social Security – A reason taxes are so complicated is because there are so many incomes that can be taxed. The Guida’s share options to reduce your obligations. Connect at ABetterWayFinancial.com.
Some states want to tax wealthy Americans on assets (retirement savings, house) rather than just income. Frank and Frankie share ideas to hedge against future tax hikes. Connect at ABetterWayFinancial.com.
Many investors lost in last year’s market, but for retirees the losses were even harder to endure. Frank and Frankie explain how “growth” advisors differ from “retirement” advisors. Connect at ABetterWayFinancial.com.
The Tax Cuts and Jobs Act will end in 2026 and ordinary tax rates will increase to what they were in 2017. Frank and Frankie talk about taking advantage of opportunities now. Connect at ABetterWayFinancial.com.
Right before the new year, Congress passed “SECURE 2.0.” Frank and Frankie talk about some of its features and what it may mean for your retirement. Connect at ABetterWayFinancial.com.
If you want to retire early or wonder if you can still retire this year as planned, Frankie talks about how you can still make it happen. Connect at ABetterWayFinancial.com.
As tech companies lay off thousands, sparking fear that the trend will spread, the Guidas talk about prepping for early retirement options. Connect at ABetterWayFinancial.com.
Frank shares the story of a man who almost missed the chance to buy his wife the diamond earrings she always wanted. Connect at ABetterWayFinancial.com.
“Near retirees” say they’re terrified to give up their paycheck. Frank and Frankie share how they show clients how they can spend more than they’d planned in retirement. Connect at ABetterWayFinancial.com.
We’re living longer, which should be good news, but longevity could be your biggest retirement risk. Connect at ABetterWayFinancial.com.
The Country Music Awards are coming up, and Frankie Guida went to Nashville for a conversation with nominee Jason Aldean. Connect at ABetterWayFinancial.com.
Americans now think they’ll need $1.25 million to retire. The Guidas share thoughts on this new ideal and tips to achieving your goals. Connect at ABetterWayFinancial.com.
There’s a lot you can do to increase your chances of success, but one thing you can’t control is a market drop at the start of your retirement. Connect at ABetterWayFinancial.com.
Market predictions vary from, “we need prayer” to “we’re almost out of the woods.” Instead, block out the noise and focus on what you can control. Connect at ABetterWayFinancial.com.
Many who’ve saved to a traditional IRA wonder when is a good time to convert to a Roth. The Guidas explain why they believe the time is now. Connect at ABetterWayFinancial.com.
Standing on 1 leg for 10 seconds proves difficult for many older adults. The Guidas explain the financial balance we also need to check as we age and, just like physical strength, it needs continual training. Connect at ABetterWayFinancial.com.
Stocks are down… and so are bonds. Still, many investors subscribe to a 60% stock, 40% bond investment mix. Frank and Frankie want you to know other available safe money options. Connect at ABetterWayFinancial.com.
“When can I retire?” is a top 10 Google search for personal finance. Frank and Frankie explain the one thing you need to know to answer that question. When can you retire? Visit ABetterWayFinancial.com.
Ray Lewis chimes in on the importance of mental wealth, and how the 1st step is making sure you have this one thing. Frank and Frankie share details on how they help their clients in this process. How’s your mental wealth? Visit ABetterWayFinancial.com.
The new “Inflation Reduction Act” includes $80 billion to beef up the IRS’ tax enforcement division. Frank and Frankie talk about the importance of having a tax plan within your overall retirement plan. Worried about rising taxes? Visit ABetterWayFinancial.com.
Tim Tebow shares what he looks for in a financial advisor, sparking a conversation on the difference between someone who is financially smart and someone who’s financially wise. Seeking more financial wisdom? Visit ABetterWayFinancial.com.
Volatility is a fee, not a fine. That's a topic that was brought up. Frank and Frankie explain the psychology of this and how it will affect your portfolio. Not going broke in retirement is the biggest fear of someone in retirement. At what point do people reach out for help? How the 4% rule comes into effect. And the ever present taxes. And yes, you will have to pay them in retirement. Listen here to how you can save money on taxes in retirement.
Recession and Inflation are two words that are headlining the news these days. How can we turn off the noise and not have to worry about these words anymore? Frank and Frankie explain how their clients don't have to worry about these words with the portfolios that have been set up for them. We're still months away from the tax deadline. There are ways to combat high taxes in retirement and you will learn how to reduce your taxes with The Guida's help. What is the 60/40 rule and is it right for your current portfolio with rising interest rates? Find out what this means for you.
With a looming recession, Frank explains how to cope with this through a story about how he helped some of his clients. With the Webb Space Telescope, NASA has developed some fascinating photos of the galaxy that can't be seen with the naked eye. Sort of like not being able to find the deep details of a retirement portfolio. Frank dives deep into all those hard to find issues with a portfolio. Finally, is getting a financial advisor through your bank a good idea? You might get a free toaster, but is that worth it?
Now that we're in a Bear Market, how should you prepare for this with your retirement portfolio? Tactical Management seems to be the solution. Frank and Frankie explain what that means and how to make this your plan. Also, how much money would you like to have in retirement to make you comfortable? Of course if varies from person to person, but what will make youcomfortable? And what about your social security? Will all the funds be there? Taxes is once again in the forefront and The Guida's will tell of a strategy that you may not know about.
Yes, that's not a typo. A "Cockroach Portfolio?" Frank and Frankie explain what that is and how to make your portfolio withstand the current market. Also, you'll get a dose of reality with the current market and a story about how the Guida's helped a client stop their losses and created a gain for them. And is Long-Term Care Insurance too expensive? Many people think so. There are alternatives to this, and Frank and Frankie will explain.
On this episode, Frank had the chance to meet former Vice President Mike Pence. He'll talk about his experience and also hear what VP Pence says about his retirement. Is a recession on the horizon? If so, should you be treating your portfolio like preparing for a hurricane? And if you're not confident in your "financial literacy," Frank and Frankie will explain ways to help you gain that confidence.
Inflation is at an all-time high and is making people nervous about their retirement portfolios. But...is there a silver lining? Frankie gives some examples of way to protect your capital. And social security can be confusing. Especially of when is the right time to start taking it. But what if you're married? That could be more confusing.
On this episode Frankie discusses how social media influences your financial knowledge and is it a good thing. Also how does your plan compare to Warren Buffett's. Have you been putting off your Estate Plan? You're not alone. What happens if you do put it off? What are the ramifications? And finally, with all the rules in with 401k's, is it a good idea to get help from a professional? Find out more here.
With all the hype about Cryptocurrencies, is this a good investment? With inflation at an all time high, should your fear of running out of money be real? Frank and Frankie explain strategies of how to deal with this. And have you paid attention to how much you're paying in taxes and how much you could save? They'll explain how to save and tell a story about a client they saved three quarters of a million dollars in taxes.
On this episode, Frank and Frankie explain how you still will be filing taxes in retirement and the most common mistakes people make in filing them. Also, what should you expect in the market for returns. And how can you identify those hidden fees in your 401k.
With inflation on the rise, how long is this going to last? Some financial professionals think it will keep rising at this rate for the next few years. Also, are you sabotaging your retirement because you don't know what fees you're paying? And how does your retirement compare to Dolly Parton's?
On this episode, Frank and Frankie discuss topics such as why you should and should not keep working at retirement age and how to improve your retirement portfolio through the use of ROTH IRA's. Also, you have three tricky retirement decisions that affect your future.
Nobody has a "crystal ball" to anticipate what the market will do. But there are ways to protect yourself from the volatility of the market. On this episode Frank explains ways to protect your self. Are bonds the way to go, or are fixed indexed annuities? Find out more on this episode.
There's a lot going on in the world at the moment and how does this affect your portfolio? On this episode Frank and Frankie explain the current world situation and how this affects your portfolio. Should you be in all stocks and bonds? Or maybe you should just stay the course. Tune in to find out more.
With inflation at the highest levels in many years, some believe that a recession will be good. On this episode Frank gives his thoughts on if this is a good idea and how it will affect your portfolio. Also, we will get his thoughts on his clients' risk tolerance and tax planning.
With the market in a volatile state these days, it has those who are retired in a bit of a panic. What should they do to soften the panic? On this episode Frank and Nick explain how to remedy the panic. Also, they talk about how to make your portfolio work for you in retirement.
Rebalancing your assets can be daunting, especially if you're nearing or in retirement. How often should you do this? Also, do you know what your risk tolerance is? Well, you're not alone. Frank explains what you should do and be aware of how risky your portfolio is.
Many financial talking heads are bracing us for a volatile year in the stock market. There will be a mid-term election and the feds are expected to raise interest rates. So what can you do if you're nearing or already in retirement? Nick and Frankie will explain how to handle your portfolio for the upcoming year.
On this episode, Frank and Nick explain another inflation, "Rapid Inflation," and how that affects Millennials, who are not yet as familiar as non-millennials. Also, the conversation leads to talk about 529 plans and Ibonds.
Many people are too conservative with investing their money. Is this you? Are you afraid to invest all that cash that's sitting in the bank only getting a one percent return? On this episode, Frank and Nick talk about alternatives, live iBonds. Also, Frank tells a story of a client who were too conservative with their money and how he got them to invest wisely.
There's a new word in inflation since the pandemic started. It's called "Skimpflation." Companies are "skimping" on the quality or products and services. In this episode, Frank and Nick discuss the quality of their financial services. There's no "skimpflation" here.
With the ever present threat of inflation, how does this affect your retirement? Frank and Nick explain how to cope with this in your portfolio. Also, they will explain some great tax strategies to reduce your retirement taxes to almost nothing.
As the year is coming to a close, how is your portfolio doing? Any questions or concerns? On this episode Frank and Nick talk about what you should be thinking about to enhance your portfolio and get ready for the new year. You should think about ROTH conversions and saving money on taxes in your retirement.
When it comes to money, you might be surprised that couples have varying opinions on how to save and spend. Not all couples are on the same page. On this episode, Frank tells a story of how a couple was not on the same page with their portfolio as they were approaching retirement. But this story doesn't have an unhappy ending.
After celebrating A Better Way Financial's 10-year anniversary, what is the most satisfying part of the job? Frank has his surprising answer. Also, there going to be a $3.5 trillion tax resolution. Did you know about this? Frank and Nick will explain what it entails and how this will affect you.
At one time bonds were a big part of your portfolio. But with lower interest rates, bonds are going by the wayside. So what do you do? On this episode, Frank give the history of bonds and educates you on how to replace them with annuities. He'll discuss the good and bad of them and how to lessen your risk in your retirement.
You know you'll be getting Social Security. Usually you might think that it's normal to take it at age 62. But hold on, there's more you need to know. There are many factors of when you need to take it or even delay it. On this episode Frank and Nick explain those factors and help you navigate when the right time to take it is for you.
Tax season will be here before you know it. How do you prepare? Should you think about ROTH conversions? Well, Frank and Nick explain what you should do and what you should know about the new tax laws and how they will affect you.
So what is your overall goal of your retirement? The usual answer is never running out of money. But what about stress? Also, Frank tells the story of finding a large amount of hidden money in a client's portfolio.
If you have a pension, consider yourself lucky. If you have a government pension they might be underfunded. How do you deal with this? Frank explains how to do this and not to have to worry. Also, people spend more time preparing for a vacation than they do for their retirement. Frank has one simple rule for your retirement. You need to take control.
2020 was not a good year for many reasons. But one good thing that happened is that more people became millionaires! And with all that money, you need to be aware of the taxes that come with it. On this episode Frank and Nick tell you how to avoid paying Uncle Sam and develop a strategy to save more money on your taxes in retirement.
Roth or not Roth? That is the questions. On this episode Nick and I talk about should you have ROTH in your 401k. He explains about how much it could save you and your family on taxes.
On this episode, Frank talks about what are some of the most common questions that clients are asking and what are their concerns. Also, where should you get your financial advice?
Do you know what "Asset Rich" means? Most people don't. So Frank explains what this is and tells a story about who is affects. Also, what is the most common missing step in your retirement? It's the "Written Plan." Most people do not have one. Nick will tell you the importance of why you need one.
When you retire and want to spend time and money on your Grandkids, how do you go about this? Frank explains the possibilities on how to get the most out of your money. Also, how do you deal with inflation in your retirement? Did you think about that? How do you build that into your plan? Frank will go over ways to help you save money and become more efficient in your retirement.
Have you ever thought about how inflation will affect your retirement portfolio? Frank will explain this and help develop solutions on how to protect yourself from the inevitability of inflation.
On this episode, we talk about Nick's upcoming wedding and how he's preparing financially. How should you prepare for your wedding and your financial future. What about getting married when you're older? Frank and Nick talk lightheartedly about what you should be preparing for.
We had a "Black Swan Event" at the beginning of the Covid pandemic. Nobody saw this coming, as is the definition of a Black Swan Event. But is another one on the horizon? How do we get to the point of a Black Swan Event? Frank and Nick explain how we build up to such an event and how to prepare for it.
As President Biden's tax plan is going into effect, what should be expect for future tax hikes? Frank and Nick will give their thoughts on the future of what we can expect from what will be paying in taxes. Also, how they help their clients with their taxes.
If you've set all your bills to autopay,chances are that you never realize what fees you are paying. It's easy to set it and forget it, but when it comes to your portfolio, you shouldn't do that. Do you even know what fees you are paying? Frank and Nick explain all the fees you don't know about and how to remedy that issue.
When you first signed up for your 401k, did you think about the taxes that you will eventually have to pay on them? Probably not. On this episode, Frank and Nick talk about once when you hit the age when you have to start taking your RMD's, you need to look out for the tax man. Do you know your tax situation? They will explain how you can develop a strategy to avoid having to pay those hefty tax bills.
Annuities are considered good or bad, however you look at them. Frank will discuss both the good and bad and what are you best annuity options. Which ones does A Better Way Financial use and how they can benefit your retirement portfolio.
Many people feel they need to lower their spending once they retire. You don't have to do that. Nick explains how you don't have to do that and tells a story about how he helped them do just that. And how can annuities help you achieve those goals, all while explaining what exactly they are.
As the National Debt gets higher, how does this affect interest rates and the cost of living? How should we be prepared? Frank explains why there is so much debt and how you can plan your your financial future.
So you're retiring. You're no longer receiving a paycheck from your employer. What do you do now? How do you replace that paycheck? Frank and Nick explain how you can do this and make your retirement worry free. And if you're a small business owner, how you can use the sale as part of your plan.
What if you did all your financial services online? Are there advantages of doing so? Do you think this will be easier and save you time money? That's up to you. On this episode, Frank and Nick explain the advantages of working with a human being instead of a robo advisor.
As you are well aware of, 2020 was not a great year, even at the beginning we had a market crash. Frank and Nick talk about the ups and downs of the market and how they can help you develop a strategy to help you weather the storm of the market as you're approaching or in retirement.
Of course the market is always going to be volatile. But how will this affect you once you're near or in retirement? What strategies can you use to protect you and ease the stress of these markets. Nick will explain and keep your mind at ease.
On this episode, Frank Nick and I recreate a scenario of what it's like when a client or potential client comes in to discuss their retirement. What questions do you have? What questions to Frank and Nick have for you? And what you need to know for your future retirement.
Looking ahead to 2021 what should your retirement goals be. In this episode Nick talks about how you should be preparing for the new year and what are some of your retirement goals? Do you want to travel or buy that vacation house? And we will hear some of Nick's retirement bucket-list items.
So what is the economy? Is it just the Stock Market? How does this affect you in your retirement? Frank explains in the episode what kind of risk you should take in your retirement. He will also educate you about taxes and how to utilize a Roth IRA in your retirement portfolio.
One of the biggest decisions you will make in life other than marriage and having kids, is finding the right financial advisor that fits you best. Nick and I explain what you should be looking at in your next financial advisor. The good and bad. At the end of the day, it's all about you and your finances.
One important part of your portfolio is "Long Term Care." Chances are, you're going to need it. But paying for it can be costly and detrimental to your funds. Frank explains some strategies to help reduce your stress dealing with it and to help fund it.
To better plan for the rest of this year and into 2021, Frank explains how ROTH conversions should be applied form your IRA's and how it will save you money on your taxes in the future. And with the news of the feds raising the RMD age, how can this help you keep money from Uncle Sam.
We go over the last presidential debate and discuss what will happen in the financial future. Nick explains what will happen with our taxes and how using charitable giving will decrease your tax bill.
Should you turn your 401k into a ROTH? Frank explains how this will benefit your tax situation and even how that will benefits your Social Security. Also how is this pandemic affecting your retirement plans? Should you postpone your retirement? Frank will let fill you in,
On this episode, Nick and I discuss how people spend more time browsing Netflix than they do planning for their company benefits. And are you thinking about selling your small business to fund your retirement? Nick gives advice and tells a story about one of his clients and how he saved him tons of money on his transaction.
On this episode, Nick explains the difference between wills and trusts as you figure out your estate planning. Also, how to make your money last 20-30 years into your retirement, like mixing up your investments and explaining what the 4 percent rule it.
Who you choose to vote for in November is up to you, but is it a good idea to vote for the opposite party in the Congressional elections to protect your retirement? Frank gives his opinion on this, as well as how Spam, the canned lunch meat relates to income. Also we'll talk about how to set minds at ease when couples don't agree on everything with their portfolios.
On this episode, Nick talks about how much you should be putting into the stock market as you're approaching and in retirement. And, with the current epidemic and the upcoming election, he explains that we should be revisiting our retirement strategy especially for those being laid off and forced into early retirement.
How should you prepare for inflation in retirement? Nick and I discuss what your risk tolerance should be, along with inflation-adjusted accounts and even taxes in retirement.
So, what are you paying in fees in your portfolio? Most people don't know. Where are those hidden fees? On this episode, Frank and Nick expose those pesky hidden fees in your portfolio and how to alleviate them.
With many companies laying off employees and even forcing some into early retirement, how will this affect you and what should you do? Frank and Nick will explain this. Also, with the upcoming Presidential election looming, what strategies should you take with your finances.
On this episode Frank and I talk about former MLB player Bobby Bonilla and the pension his agent set up for him and how it pays him over the next 20 years. Also the annuity debate and are they right for you.
So what is the most important part of planning for your retirement? Author Patrick Kelly says it's asking for help. Lots of people plan their own retirement. Frank and Nick elaborate on this topic and give scenarios when you may need help with your retirement.
Whether you're smoking a brisket or figuring out your retirement, having the right tools is essential. Frank and Nick talk about a great piece of meat to smoke and a great piece of advice for your retirement.
Finding the right person to trust with your hard-earned money can be stressful. Frank and Nick give advice on how to go about doing so. And with all the volatility in today's market, we will discuss how to prepare for the next Bear market.
On this podcast episode, Nick and I talk about a survey where 80% of people don't have a retirement plan even though they're spending an exorbitant amount of time in front of their smart phones and computers. We'll talk about how little time it actually takes to come up with a plan and what are the five steps to your retirement.
On this episode, Frank and I talk about weather handling your own finances is good or bad. Frank tells stories about some of his clients and how he helps them through the process.
Frank and I chat about how he came into the retirement business over 30 years ago and his relationships with his clients. Also we will discuss what he and Nick cover in their online retirement webinars.
With the unexpected market downturn related to the coronavirus, Frank and Nick react to statements made from Warren Buffet and what he does to prepare for future market concerns. They explain ETF’s and their benefits, saving you fees and how you should stress-test your portfolio for the future.
With layoffs happening all over the country, some major companies are suspending matches on employees 401k’s. So what do you do now? Frank and Nick explain some options on what you can do with that money.
In this financial downturn, should you keep investing? Should you take financial advice from friends? Frank and Nick talk about things you should be doing and things you should not be doing.
With the coronavirus in effect, Frank and Nick talk about working virtually and getting your house in order for the next bear market. And what about those stimulus checks we’re receiving? How will that affect your taxes in the future and your RMD’s. We will discuss what to expect.