Retirement Today: Recent Episodes
Michael Reese
Retirement Today is a podcast for retirees and pre-retirees looking to gain knowledge during the fundamental shift in their lives when it comes to retirement. We believe that your best is yet to come and you deserve to get good information to make good retirement decisions. Michael Reese has been in the financial industry for 20 years and it has become clear that the industry as a whole, firms particularly, are failing American families. Michael will share topics such as retirement, retirement income planning, reducing unnecessary taxes, protection from market risk, estate planning strategies, social security, long-term healthcare, medicare and more.
On this episode, we discuss Social Security and the reasons you should consider for taking it earlier or later.
This is the episode where I am king for a day. For this episode, my law is this: Dear Government, if you cannot balance a budget, then you are not eligible for reelection.
Today we’re going to talk about a topic that I call the power of zero. If you’ve ever talked to an investment advisor, you’ve probably heard them tell you that they’re going to help you get a higher return with less risk. The focus is on getting a higher return, and that's the end of the risk discussion. People often mess up investing because they don’t understand the impact that risk has on their retirement savings.
As more companies eliminate pension plans, many people are beginning to face the harsh reality that the responsibility for their retirement is on their own shoulders. Congress has done very little in the face of years of warnings that Social Security may be running into trouble. Many Americans are just like Congress when it comes to saving for retirement. They ignore the problem even when many signs indicate that the situation is only going to get worse.
The things that get you to retirement should not be the same things that keep you in retirement. Recognizing that retirement is a fundamental shift requires you to implement a shift in your planning.
Tune into this week's episode of Retirement Today, where Mike explains how everything changes in retirement!
Fear can hold you back from making the right decisions, and in retirement there are some very rational fears that can be overcome.
Tune into this week's episode of Retirement Today, where Mike explains why fear can hurt your retirement.
There's been a lot of turbulence in the market recently, and people nearing retirement have a lot of concerns.
Tune into this week's episode of Retirement Today, where Mike explains why you need a real retirement plan for 2023.
If you're nearing retirement, it's our duty to inform you of
the increasing risks you face in retirement!
Tune into this week's episode of Retirement Today,
where Mike explains why retiring is harder than ever!
When entering retirement you should not have to rely on the success of the stock market to keep you afloat.
Tune into this week's episode of Retirement Today, where Mike explains how to win when the market is down!
As the market is in a tricky place currently, it is a good time to discuss how you can diversify your portfolio and lose as little to taxes as possible!
Your portfolio might not be set up the right way for a bad market environment. How much risk is too much risk?
Tune into this week's episode of Retirement Today, where Mike explains how to protect yourself in a bad market!
To retire RIGHT, you need to consider how income and tax planning fit into your retirement plan!
Tune into this week's episode of Retirement Today, where Mike explains the priorities of retirement planning!
The importance of proper tax planning is ever more important with the rise of inflation, and policy changes.
Tune into this week's episode of Retirement Today, where Mike explains how We Can Fix Your Tax Plan
Nearing Retirement? Here are some important questions to consider.
Tune into this week's episode of Retirement Today: I'm Retiring Soon. What Do I Need to Do?
If your retirement plan consists of a 401k and an investment plan, you are most likely unprepared for retirement.
Here are 3 reasons why you need a new advisor in 2022.
People are wanting to retire earlier and earlier every year. However, are you truly retirement ready?
Tune into this week's episode of Retirement Today, where Mike explains the 3 Things to Save Your Retirement.
Retirement is something more and more Americans cannot afford. Retiring with no savings, or just on social security.
Tune into this week's episode of Retirement Today: Retirement Crisis 2022: What to Save
Is your current advisor talking to you about your tax future? Your health? RMDs? Is your advisor claiming that you're all good and set for retirement, but you still have this questions?
Tune into this week's episode of Retirement Today, where Mike explains why might need to update your retirement plan for 2022.
Social security is a meaningful part of a lot of folks' retirement funds. However, there can be a lot of questions on when to take it.
Tune into this week's episode of Retirement Today, where Mike explains when to take social security, and the impacts that might have.
Tax planning in retirement is a critical area for everyone, yet it is typically not on the forefront of everyone's mind.
Tune into this week's episode of Mike on Money, where Mike discusses 'Is Retirement Tax Free?
When you consider the fact that your retirement savings might have to last you around 30 years, you must consider all the potential risks to your finances.
Tune into this week's episode of Mike on Money, where Mike and Zach highlight an article that dives into the potential risks to your retirement.
Wealthy people are wealthy due to smart financial choices. For a successful retirement, there's a few important choices to make, to keep your wealth going into retirement.
Tune into this week's episode of Retirement Today, where Mike shares his experience guiding a wealthy couple into a successful retirement.
In this week's episode of Retirement Today, Mike discusses the biggest retirement fears, and provides meaningful and simple solutions to your worries.
Tune into this week's Retirement Today!
Even after financial crises, the financial industry is still suggesting the same advice.
Mike explains how the financial industry never learns, and what to do instead.
When you're goals for retirement have been met, your goals then shift. Your planning must reflect this.
Tune into this week's episode of Retirement Today, where Mike illustrates why you need to shift your retirement goals.
Small mistakes are magnified when it comes to retirement.
Listen to Mike explain the mistakes you want to avoid in retirement.
A retirement focused advisor will have a lot more in-depth knowledge to help you transition into the best phase of your life.
Tune into this week's episode of Retirement Today, where Mike explains Retirement Advisor vs Financial Advisor.
In 2021, more people are retiring than ever. With everyone retiring, we thought it best to remind you what you need to have prepared, and why retirement saving is so important.
Check out this week's episode of Retirement Today, where Mike and Zach cover the Great Resignation of 2021.
To plan for a stable flow of retirement income, there are many areas to be prepared for. Your retirement income can be affected by taxes, health, and government. You need to be ready for all.
In this week's episode of Retirement Today, Mike covers the risks to your retirement income that many advisors overlook, and answers: what retirement income do I need?
While the health of the market does weigh on the success of your investment portfolio, the actions taken by the US government can often lead to a large impact on your retirement strategies.
Check out this week's episode of Retirement Today, where Mike explains the impact of legislative risk and why it could be the biggest risk to your retirement.
Conventional retirement wisdom may have been useful at some point in history, but it is no longer the right guidance.
Tune into this week's episode of Retirement Today, where Mike breaks down some avoidable retirement mistakes.
Risk profile questionnaires can be helpful while your are trying grow your assets, but your retirement is much more nuanced and requires more planning that a multiple choice quiz.
Learn why you should stop retiring this way, on this episode of Retirement Today.
Your financial advisor might be telling you that you're ready to retire. But have they talked to you about the necessary tax and income planning necessary to keep yourself in retirement?
Check out this week's episode of Retirement Today, where Mike explains why you might not be ready for retirement.
Investing for retirement is very different than investing in retirement. Where do your priorities lie in your retirement investments? Growth? Risk?
Check out this week's episode of Retirement Today, where Mike explains what you need to think about before transitioning into retirement.
Pay a lot of tax initially is an off-putting idea, especially when reducing taxes is your goal. But when you look at the long road ahead, paying your Roth conversion tax upfront can have a lot of benefits.
Check out this week's episode of Retirement Today, where Michael Reese explains why you should pay tax now, instead of later.
How much do you need to retire? This is the question on everyone's mind, but is there a simple answer?
In this week's episode of Retirement Today, Mike answers, if you're nearing retirement, have you saved enough?
Has anyone shown you what your future with taxes will look like? Tax planning is an essential aspect of retirement planning that can bite hard if not cared for.
Tune into this week's full episode of Retirement Today, where Mike explains how you can pay less tax.
Getting older brings health complications that you must prepare. Having a solid plan for the future of your healthcare will help entering retirement to be as easy and comfortable as possible.
Check out this week's episode of Retirement Today to hear Mike explain why you need to ensure you have a plan for healthcare.
When you take a loan out to buy a house, your loan repayment is typically set to a fixed rate, unless you decide otherwise. Taking money out of your 401k? The taxes can vary greatly!
Check out this week's episode of Retirement Today, where Mike talks about good debt vs bad debt.
When you're retiring, it's easy to look at whatever you've saved and think that you're fine, but what lifestyle are you trying to live? Are you trying to live similar, or better than you are now? In which case, you'll need to replace your income.
Check out this week's episode of Retirement Today, where Mike explains how NOT to retire.
A common concern is if you have saved enough to retire when you want. Have you saved enough for retirement? Is that even the right question you should be asking?
Tune in to this week's episode of Retirement Today, where Mike explains how much money you need to retire.
Don't enter retirement thinking that your retirement savings and Medicare will cover you. You need to be prepared for any outcome, and the demand for long term care is increasing, which isn't covered by Medicare.
Tune into this week's episode of Retirement Today, where Mike explains how to protect your health in retirement.
The market is currently the highest it's ever been. Don't count on it staying that way. Don't get caught when the market goes south.
Tune in to this week's episode of Retirement Today, where Mike explains how to prepare for a market crash.
As you get older, and your life begins changing, your tax situation changes with you. Normally, this results in you landing in a much higher tax bracket.
Tune into this week's episode of Retirement Today, where Mike explains how you will pay more tax in retirement.
With the market being at it's most over-valued stage, an impending market crash does not seem likely. You need an income plan in order to secure a financially secure retirement.
Check out this week's episode Retirement Today, where Mike explains the necessity for an income plan.
Being financially secure encompasses planning for all of your potentially financial situations. Preparing for all tax, health and life situations is key securing your financial life.
Tune into this week's episode of Retirement Today, where Mike describes achieving financial security.
There's a lot of opinions on whether someone needs life insurance. While there can be hesitancy on the topic, when life insurance is designed correctly it can be a valuable tool in retirement.
Check out this week's episode of Retirement Today, where Zach and Mike explain why the wealthy don't ignore life insurance.
As you approach your retiring years, you also approach a storm of tax issues that can be disastrous without the proper planning.
Is your 401k a tax nightmare? What is there to fix it?
Ever wondered how rich stay rich? This week's episode of Retirement Today covers the best and most reliable investment strategy that will help you maintain financial security over a long period of time.
Check out this week's Retirement Today, where Mike explains how the wealthy stay rich.
Taxes are inevitable, everyone has to pay taxes. Yet, as guaranteed as taxes are, the rate in which you'll have to pay them is one of the greatest financial. risks entering retirement.
In this week's episode of Retirement Today, Mike talks about tax planning to avoid the IRS.
How do politicians get people to support raising taxes? When they sell as it as a tax on the rich, it sounds a lot better. But is this what they're doing?
Listen to this week's episode of Retirement Today, where Mike explains how politicians lie to sell tax hikes.
Amongst the new proposed changes to the US tax code are changes to capitol gains and step up in basis.
Learn more about what this means on this week's episode of Retirement Today.
Biden has proposed some big changes to the tax code. These changes are sold as 'taxing the rich', however, Mike reveals how these changes will impact everyone.
Listen to this week's episode of Retirement Today, where Zach and Mike discuss Biden's terrible tax plan
Building your wealth is a common and necessary topic of discussion, however, when it comes to retirement, protecting your wealth is a far more important conversation.
Join Zach and Mike in this week's episode of Retirement Today, where they discuss how to protect your wealth.
Your savings are crucial to your successful and happy retirement. You must spend the time carefully crafting a savings plan that you can rely on. Mike can help with that.
Watch this week's podcast, where Mike and Zach discuss the importance of having a smart savings plan.
Most people entering retirement want their lifestyle to stay the same, no one wants to retire into a reduced lifestyle.
Tune in to this week's episode of Retirement Today, where Mike and Zach discuss the importance of building an income plan that can fund you in retirement.
Are you nearing retirement and feel unprepared? Preparing for retirement can feel overwhelming, but there are plenty of ways to prepare to give you a greater sense of security.
Join Zach Holcomb and Michael Reese, CFP, in this week's episode of Retirement Today, where they discuss retiring in 5 years.
Proactive tax planning is often overlooked in setting yourself up for success in retirement. While people max out their 401k, they still have a mortgage to pay off, leaving more tax problems for later. What are you doing wrong, and what can you do better?
Join Zach Holcomb, and Michael Reese, CFP, on today's episode of Retirement Today, where they go in-depth on the topic of proactive tax planning.
Being a smart investor is important to creating your wealth in preparation for retirement. However, not enough people discuss the huge impact that taxes have on your earnings upon entering retirement and withdrawing your hard earned investments.
Join Zach Holcomb, and Michael Reese, CFP, as they talk in depth on the relationship between investing and taxes.
President Biden has announced a variety of tax increases, that are supposedly aimed only at the 'the rich'. Mike explains why this is not true.
Join us on this episode of Retirement Today, where Mike will explain how to protect yourself from Biden's tax hike, and explain the misconceptions in his recent announcement.
What's our process? Our financial advising process is simple, and optimized to assist you. Let's break it down.
Join Zach Holcomb and Michael Reese, CFP, on this week's Retirement Today, as they breakdown our financial advising process.
With the passing of Bernie Madoff, it is critical that we all learn from such a dark mark in financial history. Learning to spot red flags for financial fraud will help us stop more Bernie Madoffs from existing.
Join Michael Reese and Zach Holcomb in this week's episode, where they will be discussing how to spot red flags for financial fraud.
There are so many moving parts when it comings to planning a complete retirement plan. Is your retirement plan complete or incomplete?
Join Michael Reese, CFP, and Zach Holcomb as they cover this weeks topic, do you have a complete retirement plan?
You need to make sure that your financial advisor has your best interests in mind, otherwise, you might not be getting the most value out of their services.
Join Michael Reese, CFP, and Zach Holcomb as they cover this weeks topic, what is a fiduciary?
Why continue to use life insurance after retirement? There are a lot of tax benefits that most people don't know about!
Join Zach Holcomb and Michael Reese, CFP as they discuss the reasons why you need life insurance after you retire.
Did you know there are three types of financial advisors, and each level is suited for different needs? If you didn't, then you should watch today's podcast and learn which level is right for you.
Join Zach Holcomb and Michael Reese, CFP as they discuss the different levels of financial advisors and what makes them unique.
The market is at a very historic and unique place currently, and there has been a lot of speculation about a looming market crash. Is the speculation true? Is this something you should
be prepared for?
Join Zach Holcomb and Michael Reese, CFP as they discuss the possibility of a nearing market crash, and what you should do about it.
You are probably familiar with the phrase "return on investment". However, this concept is not always as simple as it seems. There is a common misunderstanding when it comes to what this ACTUALLY means when it comes to your investment returns.
Join Zach Holcomb and Michael Reese, CFP as they explain how losses can tremendously hurt you more then gains when it comes to your investments portfolio.
It's a brand new year. We have a democratic president and changes in the senate and congress. That means BIG tax changes are potentially on the horizon for you going forward. Join Zach Holcomb and Michael Reese, CFP as they discuss what is to potentially change tax wise with drastic changes in the White House.
2020 was an eventful year and we experienced a lot of changes. One of those changes was the waiver of required minimum distributions (RMDs) in 2020. However, we are now in 2021 and RMDs are back. Join Zach Holcomb and Michael Reese, CFP as they talk all things RMDs and what you need to do to prepare for them in retirement.
https://www.irs.gov/pub/irs-tege/uniform_rmd_wksht.pdf
Long-Term care. While it's not fun to think about, but if you narrow down your choices a bit, making a plan for what for some ends up costing several thousand per month becomes less daunting. Join Zach Holcomb and Michael Reese, CFP as they discuss a new way to take long term care in retirement, along with other strategies to plan for health care coverage in your retirement years. https://longtermcare.acl.gov/the-basics/how-much-care-will-you-need.html
When you lose a spouse, your tax picture drastically changes, and not for the better. While this can be an uncomfortable topic, it is important to address this.
Join Zach Holcomb and Michael Reese, CFP as they discuss ways you can prevent leaving your spouse with an uncertain tax future.
Have you ever asked yourself "How much money do I need to retire?" That is a loaded question. But it's important to have some idea of where you want to go so you can plan for it. Join Zach Holcomb and Michael Reese, CFP as they discuss 4 factors to help determine the answer to the question every retiree asks.
Every four years, the U.S. presidential election can have a major impact on policy, laws and foreign relations. But how do presidential elections affect the market?
Join Michael Reese, CFP and Zach Holcomb as they take a look at how the election results may impact your personal finances: taxes, investments, health care, retirement, and more.
Social security is a major part of your retirement income, even if you already have plenty of assets. Determining when to start collecting social security is an important financial decision that requires careful consideration of many factors. Join Michael Reese, CFP and Zach Holcomb as they dive into a discussion on weighing your options, and carefully assessing the factors you need to be aware of, before making the decision to start your social security.
Paying off your home mortgage before you decide to retire is a massive achievement, but you don’t necessarily have to pay your home off to retire comfortably. Some people enjoy the peace of mind that comes with a debt-free retirement. However, you should always weigh good feelings against the financial facts.
Join Michael Reese, CFP and Zach Holcomb as they discuss the pro’s and con’s of a mortgage in retirement.
https://bit.ly/3mSNNvX
When talking about investment portfolios and plans, people tend to only focus on asset allocation. However, people don’t realize that the importance of asset LOCATION is just as important.
Join Michael Reese, CFP and Zach Holcomb for a can’t miss discussion on how you can plan, to not only make sure your investments are allocated properly. But to be sure they are in the right locations as well.
https://www.morningstar.com/articles/858738/the-pivotal-role-asset-location-plays-in-a-portfolios-success
Coronavirus has upended the traditional rhythm of an American presidential election year. 2020 is still an election year, however, and the campaigns will go on. While this election will have a massive impact on our country, one area where we caution investors from drawing too many links is the world of investing. Join Michael Reese, CFP and Zach Holcomb for an inside look on investing truths no matter who wins this year's election.
Have you ever been curious about the similarities and differences between Mutual Funds and Exchanged Traded Funds? (MF and ETF)? The truth is that both have a lot in common. There are several key differences, however, that could make one a better option for you than the other. Join Michael Reese, CFP and Zach Holcomb for a discussion in terms of how they are bought and sold, how their prices change, their fees, commissions and loads, their income tax implications, their holding restrictions, their investment minimums, and more.
When you get ready to leave the workplace, the importance of planning for INCOME in retirement is of the upmost importance. Join Michael Reese, CFP and Zach Holcomb for a high-level discussion on the importance of planning for income in retirement. Switching gears from saving for retirement to turning that savings into a retirement paycheck is a tricky proposition. Listen in to learn about the steps that can help bring your retirement income plan into focus.
While many costs go down in retirement, health care continues to creep up occupying substantial financial resources as well as time. In this informative podcast, Zach Holcomb and Becky Reese will discuss all things Medicare and how to navigate it.
Listen in as Mike and Zach share with you the THREE burning questions that you need to answer in retirement. The closer you get to retirement, the more excited you might feel about a period of life when your days are yours to enjoy and you don't have to punch a clock or report to an office. But the last thing you want to do is let that excitement push you into retirement before you are financially ready. If you just retired, or you are getting ready to retire, then this week's show is for you.
Listen in as Mike shares his thoughts on the current disconnect of the economy and the markets. He then shares two real-life stories about retirement planning at the beginning of 2008.
One couple make good decisions. They focused on their goals, and they took action so they could have the best chance possible of reaching their goals.
The other couple decided to “trust in the markets”. You know how 2008 went, so you probably know how their story turned out.
But don’t miss the stories, as they will illuminate the differences between those who succeed when markets go south and those who do not.
***Your best is yet to come!*** So sit back, relax, and listen to Retirement Today to learn more about today’s topic.
CONNECT WITH MICHAEL D. REESE, CFP®
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###### Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.
###### This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
###### Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
Listen in as Mike talks about how you can think of your retirement investments as “Offensive” and “Defensive” players, and how you can use this thinking to make sure that your retirement accounts are structured in the right way.
In addition, make sure you pay attention when Mike addresses the idea of having a “Risk Realignment” discussion. This could be key to making sure you don’t fall prey to the #1 Mistake that people make when markets hit bad periods.
***Your best is yet to come!*** So sit back, relax, and listen to Retirement Today to learn more about today’s topic.
CONNECT WITH MICHAEL D. REESE, CFP®
Facebook // Instagram // LinkedIn // Pinterest // Twitter // Website // YouTube
###### Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.
###### This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
###### Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
In this episode, Mike discusses how COVID-19 might impact your retirement, and more importantly, the steps you can take to structure your retirement accounts so that you have the best opportunity to succeed in retirement no matter what the markets bring.
Listen to Mike share a simple approach of what you should do with your money if you are still working. Some simple math can potentially save your retirement.
What if you are about to retire or already retired? Mike will also share the “ideal structure” for your retirement accounts so you can enjoy your best years in both good times and bad.
If you have any concerns about your planning during this scary time, then you don’t want to miss out on this helpful discussion!
In this episode, Mike shares a great analogy about how your IRA / 401k / 403b is really very similar to a business with a silent partner. In this case, the silent partner is named “Bob”.
In this “business”, your silent partner, “Bob”…
-
Does NOTHING
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Just collects his percentage
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BUT…has the right to INCREASE or REDUCE his share at any time, WITHOUT your say so!
By the way, “Bob” also spends money like a drunken sailor in port.
So here you find yourself in a partnership with a guy who is a crazy spender, ALWAYS spending more than he earns, AND has the ability to INCREASE HIS PERCENTAGE of your business at any time, without your permission.
What do you think? How fast do you want to get out of that partnership???
Make sure you listen in to this eye-opening episode on retirement plans.
Your best is yet to come! So sit back, relax, and listen to Retirement Today to learn more about today’s topic.
CONNECT WITH MICHAEL D. REESE, CFP®
Facebook // Instagram // LinkedIn // Pinterest // Twitter // Website // YouTube
###### Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.
###### This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
###### Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
John Woerth, who leads Vanguard’s public relations and strategic communications division, and who also has LONG been a believer of “buy and hold” and “you can do it yourself” has now changed his tune.
What happened???
Well, apparently this guy is now 56 years old and is starting to have some doubts about his DIY (Do It Yourself) approach as his retirement is on the horizon. He lists three reasons why he is now thinking it is time to get help from a financial advisor.
Mike talks about some of the ways the SECURE Act changes the retirement planning landscape. Included in the podcast are:
- Required Distribution rule changes
- The “death” of the Stretch IRA
- Unlimited IRA contribution age limits
- Small employer opportunities
- And a lot more…
This new law is the first major change on retirement planning in years. Make sure you listen in so you can keep up with all the rules.
Your best is yet to come! So sit back, relax, and listen to Retirement Today.
CONNECT WITH MICHAEL D. REESE, CFP®
Facebook // Instagram // LinkedIn // Pinterest // Twitter // Website // YouTube
###### Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.
###### This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
###### Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
In what Mike feels is perhaps the most important message he has ever delivered on a podcast, you will hear the true story of Tom and Mary and how it illustrates WHY we do what we do with the families we serve.
Tom and Mary had worked with Mike for over 7 years when he got the call that Tom passed away. This is the story of that day, and WHY we are so passionate about serving our clients.
CONNECT WITH MICHAEL D. REESE, CFP®
Facebook // Instagram // LinkedIn // Pinterest // Twitter // Website // YouTube
###### Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.
###### This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
###### Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
In this podcast, Mike shares the three main questions you want to have answered to your satisfaction when you are looking to select a financial advisor. Mike covers the importance of Specialization, Independence, and being a Fiduciary.
This conversation also applies to your current advisor if you have one. Just because you have worked with someone for 20 years does not mean that they are still the best fit for you.
Enjoy this insightful conversation on How to Choose a Financial Advisor. Your best is yet to come! So sit back, relax, and listen to Retirement Today.
WITH MICHAEL D. REESE, CFP®
Facebook // Instagram // LinkedIn // Pinterest // Twitter // Website // YouTube
###### Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.
###### This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
###### Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
In this podcast, Mike shares how a 10% increase in tax rates can lead to owing 70% more tax on the same income. This is a wake up call to those of you who both have money in retirement accounts like 401k and IRA. If you believe tax rates will increase in the future (as many do), then you will want to listen in closely to this discussion. Your best is yet to come! So sit back, relax, and listen to Retirement Today. WITH MICHAEL D. REESE, CFP®
Facebook // Instagram // LinkedIn // Pinterest // Twitter // Website // YouTube
###### Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.
###### This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
###### Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
In this podcast, Mike talks about the three levels of investment help. 1. Product Providers 2. Investment Advisors 3. Financial Planners
He shares how they are different and when you want to use one over the other. This is a great conversation about how the financial industry has different ways to help you based upon where you are in life and what you are looking to accomplish. WITH MICHAEL D. REESE, CFP®
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###### Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.
###### This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
###### Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
Tune in to listen to Mike discuss the five risks that can effect your financial success in your dream retirement. Your best is yet to come! So sit back, relax, and listen to The Retirement Revolution. CONNECT WITH MICHAEL D. REESE, CFP®
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###### Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.
###### This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
###### Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
On this week's podcast, Mike will talk about the three levels of planning – Goals, Strategies, and Tools. What is most interesting in this discussion is how many people focus on the wrong things. He will share some interesting thoughts on this weeks episode. Your best is yet to come! So sit back, relax, and listen to The Retirement Revolution. CONNECT WITH MICHAEL D. REESE, CFP®
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###### Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.
###### This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
###### Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
On this week's podcast Mike shares an interesting article from Forbes Magazine that talks about why annuities are so helpful with your retirement planning. This is a particularly interesting discussion as it seems to fly in the face of popular thinking. Your best is yet to come! So sit back, relax, and listen to The Retirement Revolution.
Download the Article Mike talks about HERE!
CONNECT WITH MICHAEL D. REESE, CFP®
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###### Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.
###### This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
###### Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
On this week's podcast, Mike will discuss how the current tax code punishes surviving spouses and why that is the case. He will also share some thoughts on what actions you can take to avoid this problem in your own lives. So sit back, relax, and listen to The Retirement Revolution. Your best is yet to come! So sit back, relax, and listen to The Retirement Revolution.
CONNECT WITH MICHAEL D. REESE, CFP®
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###### Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.
###### This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
###### Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
On this week's podcast, Michael D. Reese, CFP® will discuss whether or not the IRS will be the biggest beneficiary in your retirement accounts. When it comes to the stretch IRA, Mike will explain how it currently works versus how the new law will affect your beneficiaries. Your best is yet to come! So sit back, relax, and listen to The Retirement Revolution. CONNECT WITH MICHAEL D. REESE, CFP®
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###### Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.
###### This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
###### Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
On this week's podcast, Michael D. Reese, CFP® will share the three ways that retirement planning is so much more than just investing. When you transition from working to retirement, you need to make sure that you change your investment style and make the correct decisions to achieve your goals in retirement. Your best is yet to come! So sit back, relax, and listen to The Retirement Revolution.
CONNECT WITH MICHAEL D. REESE, CFP®
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###### Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.
###### This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
###### Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
On this week's podcast, Michael D. Reese, CFP® will share a story about the mistakes Don and Patty ran into when it came to their trust. He will discuss what you need to do in order to make sure all of your accounts are set up the right way and all of the legal steps are completed so you can achieve your retirement dreams. Your best is yet to come! So sit back, relax, and listen to The Retirement Revolution.
CONNECT WITH MICHAEL D. REESE, CFP®
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###### Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.
###### This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
###### Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
On this week's podcast, Michael D. Reese, CFP® will share a scenario about John and Mary to show you how taxes work when it comes to your retirement accounts. Listen to Mike discuss the different tax methods so you can make smart financial choices to have the confidence that your money is going to last during your retirement. Your best is yet to come! So sit back, relax, and listen to The Retirement Revolution.
CONNECT WITH MICHAEL D. REESE, CFP®
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###### Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.
###### This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
###### Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
On this week's podcast, Michael D. Reese, CFP® will share the three investment worlds and what they are designed to do so you can make smart choices to achieve your retirement dreams. When it comes to your retirement accounts, Michael will discuss the differences between protected, conservative growth, and opportunistic growth. Your best is yet to come! So sit back, relax, and listen to The Retirement Revolution.
CONNECT WITH MICHAEL D. REESE, CFP®
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###### Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.
###### This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
###### Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
On this week's podcast, Michael D. Reese, CFP® will share the various topics, tips, and struggles that he learned over the last twenty years in the financial industry. Listen to the podcast to find out the things you need to know when it comes to fulfilling your dreams in retirement. Your best is yet to come! So sit back, relax, and listen to The Retirement Revolution.
CONNECT WITH MICHAEL D. REESE, CFP®
Facebook // Instagram // LinkedIn // Pinterest // Twitter // Website // YouTube
###### Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.
###### This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
###### Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
On this week's podcast, Michael D. Reese, CFP® will discuss the five reasons why 401k’s, IRA’s, and other accounts are perhaps the worst types of plans to hold after you retire. Listen to Mike discuss some of the things you NEED to know when it comes to managing your retirement accounts. Your best is yet to come! So it back, relax, and listen to The Retirement Revolution.
CONNECT WITH MICHAEL D. REESE, CFP®
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###### Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.
###### This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
###### Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
On this week's podcast, Michael D. Reese, CFP® will discuss the ups and downs of the market and how it effects your retirement accounts. Mike will describe a scenario where you receive two envelopes. The first envelope has all of the risk in the market, while the second envelope has half of the upside and none of the loss. Which envelope would you choose? Listen while Mike explains the different scenarios and how they can affect the second half of your life. Your best is yet to come! So it back, relax, and listen to The Retirement Revolution.
CONNECT WITH MICHAEL D. REESE, CFP®
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###### Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.
###### This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
###### Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
On this week’s podcast Michael D. Reese, CFP® is going to discuss an article from Wade Pfau regarding income planning. The financial circumstances that retirees face differs dramatically from pre-retirees. Mike will talk about the 4% rule as well as whether the 60/40 rule is still the best option. So sit back, relax, and listen to the Retirement Revolution.
CONNECT WITH MICHAEL D. REESE, CFP®
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###### Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.
###### This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
###### Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
On this week’s podcast Michael D. Reese, CFP® is going to discuss an article from Wade Pfau regarding income planning. The financial circumstances that retirees face differs dramatically from pre-retirees. Mike will talk about the 4% rule as well as whether the 60/40 rule is still the best option. So sit back, relax, and listen to the Retirement Revolution.
CONNECT WITH MICHAEL D. REESE, CFP®
Facebook // Instagram // LinkedIn // Pinterest // Twitter // Website // YouTube
###### Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.
###### This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
###### Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
What is the purpose of your financial accounts and how does that impact your retirement? When you are working, you are trying to grow your savings so you can fulfill your dreams in retirement. The moment you retire the purpose of your money changes therefore, the tools you use should change as well. Your retirement accounts should provide a secure, consistent, stable and growing stream of income that lasts as long as you live.
CONNECT WITH MICHAEL D. REESE, CFP®
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###### Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.
###### This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
###### Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
Listen to Michael D. Reese, CFP® dive into the five questions every retiree must answer to ensure you are prepared for your dream retirement. Michael will delve into each question and give you a few quick tips to make sure that you are on track. So sit back, relax, and listen to the Retirement Revolution.
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Where is your income coming from?
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What is your risk exposure? How much could you lose if the markets go south?
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How am I going to keep more money in my pocket and give less to the IRS? How will I manage my taxes?
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What are you going to do about potential healthcare expenses?
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Who will receive your assets after you are gone and how?
CONNECT WITH MICHAEL D. REESE, CFP®
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###### Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.
###### This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
###### Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
Today, people are not saving enough for retirement. Therefore, the government has made it easier for businesses to offer retirement plans to their employees. Michael D. Reese, CFP® will discuss the elimination of the stretch provision for beneficiaries and why it might matter to you. So sit back, relax, and listen to the Retirement Revolution. CONNECT WITH MICHAEL D. REESE, CFP® Facebook // Twitter // Instagram // YouTube // Website
###### Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.
###### This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
###### Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
Fiduciary Advisors versus Suitability Advisors - how do you know which type of advisor you work with currently? And why is it important that you know the difference between the two types? Michael D. Reese, CFP® will share a story about Lou vs Nancy to show you the differences. He will also discuss the different advantages and disadvantages of using banks, insurance companies and market based strategies when it comes to your dream retirement. Finally, Michael will share where you can get the best advice when it comes to your retirement planning. So sit back, relax, and listen to the Retirement Revolution. CONNECT WITH MICHAEL D. REESE, CFP® Facebook // Twitter // Instagram // YouTube // Website
###### Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.
###### This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
###### Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
Listen to Michael D. Reese, CFP® talk about the differences between a financial advisor and a retirement advisor. One of the questions that most retirees ask (and some of you may be asking) is “Do I have enough to retire?” A financial advisor is trained to focus on growth and accumulation during the first part of your life. A retirement advisor will focus on preserving what you’ve built, generating income streams, tax planning and more. Retirement is a fundamental shift in your life. Therefore, you need to make sure the strategies and tools you use in your retirement plans will support your goals and dreams. So sit back, relax, and listen to the Retirement Revolution.
CONNECT WITH MICHAEL D. REESE, CFP®
Facebook // Twitter // Instagram // YouTube // Website
###### Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.
###### This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
###### Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
Listen to Michael D. Reese, CFP® talk about investing. Investing is simply the process of laying money out now with the hope that you will get more money in the future. How much can you invest? Michael will share the rule of 100 and how you can use it in your retirement. So sit back, relax, and listen to the Retirement Revolution.
CONNECT WITH MICHAEL D. REESE, CFP®
Facebook // Twitter // Instagram // YouTube // Website
Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.
This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
Listen to Michael D. Reese, CFP® discuss how your retirement plans can effect your taxation during retirement. What is the worst tax liability you have? Many of you will be surprised by this answer. Michael shares a story about Steve and a common mistake that he made (and some of you may be making) when it comes to his IRA. You will also hear 5 areas where your retirement plans will be taxed.So sit back, relax, and listen to the Retirement Revolution.
CONNECT WITH MICHAEL D. REESE, CFP®
Facebook // Twitter // Instagram // YouTube // Website
Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.
This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.
Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
Certified Financial Planner, Michael D. Reese shares his insights on the five retirement realities. If you are considering retiring in the near future this is a podcast you need to hear! From constantly having money on your mind to the transitions you go through in retirement, Michael will cover all the bases that you need to know. So sit back, relax, and listen to the Retirement Revolution.
CONNECT WITH MICHAEL D. REESE, CFP®.
Facebook // Twitter // Instagram // LinkedIn // YouTube // Website
Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
CFP, Michael D. Reese discusses a common mistake that his parents made (and that some of you may be currently making) that almost costed them their retirement dream. After only a few short years of being retired, a market crash and the balanced portfolio fallacy, Michael’s parents almost lost half of their portfolio. For many people in America retirement is 20-30 years of unemployment. Michael D. Reese shares how this experience lead him to realize when it comes to retirement financial industries as a whole are failing American families. Listen to Michael come up with an answer that will work regardless of what the markets do. So sit back, relax, and listen to the Retirement Revolution.
CONNECT WITH MICHAEL D. REESE, CFP®.
Facebook // Twitter // Instagram // LinkedIn // YouTube // Website
Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.
Listen to Certified Financial Planner Michael D. Reese discuss the value of getting a second opinion. The financial industry is about growth and accumulation, not preservation. You grew the pot but when you are retired that is not the game plan anymore. The game is about protecting what you earned, generating income and still growing it at the same time. Listen to Michael share a story about Shirley and how a second opinion helped her achieve her financial dreams. Michael will also discuss how retirement is a fundamental shift in your lifestyle and some things to keep an eye out for. So sit back, relax, and listen to the Retirement Revolution.
CONNECT WITH MICHAEL D. REESE, CFP®.
Facebook // Twitter // Instagram // LinkedIn // YouTube // Website
Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. Centennial Advisors, LLC is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Centennial Advisors, LLC.