Ready, Set, Retire!: Recent Episodes
Steve Anzuoni
What have you done to protect yourself from another recession? Can you afford to ride the waves of a volatile market? Planning for retirement is not a guessing game. Now is the time to plan! When the paychecks stop but the bills keep coming, how are you going to maintain your lifestyle? For more than 30 years, retirement income specialist Steve Anzuoni has been using customized strategies to help people just like you build a successful retirement that includes guaranteed lifetime income.
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Will the retirement wave of baby boomers reshape the markets, or is the bigger challenge creating income that lasts? Steve Anzuoni discusses why retirement planning may be about more than market performance, including longevity, withdrawal strategies, inflation, risk management, and the importance of balancing growth with dependable income. They explore concerns surrounding the 4% rule, planning for longer lifespans, market volatility, and the value of reviewing retirement plans as life changes. The conversation focuses on building a retirement strategy designed to adapt through changing markets and changing personal circumstances.
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Can artificial intelligence really help you plan for retirement, or is it missing the most important part of the conversation? Steve Anzoni explores a recent study showing how AI-generated financial guidance can vary widely and explains why retirement planning requires more than algorithms and generic answers. He discusses the value of personalized advice, Social Security decisions, Medicare considerations, tax planning, and his "Buckets of Wealth" approach to managing income, inflation, emergencies, and lifestyle spending in retirement. Plus, a look at the risks of sharing sensitive financial information with AI tools and why human guidance still matters.
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What if the most overlooked retirement tool is making a comeback just when uncertainty has retirees on edge? Steve Anzuoni explains why more advisors are turning to annuities as part of retirement income planning and discusses the importance of steady cash flow, avoiding emotional investment decisions, and creating a written retirement strategy. He also explores why many retirees regret waiting too long to plan and how unexpected life events can force an earlier retirement than expected. The conversation focuses on building income sources, protecting confidence during market volatility, and giving every dollar a clear purpose.
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Do you really need a million dollars to retire, or is that number distracting you from what matters most? Steve Anzuoni challenges the common retirement benchmark and explains why retirement success is often driven by reliable income rather than account balances. He discusses the 4% withdrawal rule, guaranteed lifetime income annuities, lessons from market downturns, and concerns about Social Security's future. The conversation focuses on how retirees can think about converting savings into sustainable income streams and why having a retirement paycheck remains a central part of long-term planning.
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What if the biggest retirement mistake isn’t choosing the wrong annuity—but not understanding what you already own? Steve Anzuoni breaks down why annuities create so much confusion, how retirees can avoid costly planning mistakes, and why guaranteed income plays a critical role in long-term retirement confidence. He shares a real-world example of aligning income and long-term care concerns, discusses planning for longevity, and explains why delaying retirement decisions can be costly. The conversation also covers maximizing 401(k) opportunities, catch-up contributions, and the importance of turning financial knowledge into action.
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Are you saving for retirement—or saving yourself from actually living it? This episode explores how fear of running out of money leads many to hoard wealth instead of creating meaningful experiences. Steve Anzuoni discusses shifting the focus from accumulation to income, using strategies that prioritize steady cash flow, tax-efficient wealth transfer, and personal fulfillment. From guaranteed income planning to rethinking Social Security’s future, the conversation highlights practical ways to balance financial security with enjoying life now—while still preparing thoughtfully for the next generation.
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What if retirement confidence came down to one thing—your paycheck? Steve Anzuoni breaks down why income planning—not market performance—is the foundation of a steady retirement. He explains how combining income strategies with wealth management can reduce guesswork, create reliable cash flow, and help address inflation concerns. From guaranteed lifetime income to being proactive with savings and rates, the conversation highlights practical ways to build consistency and comfort in retirement without relying on market highs alone.
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What if your retirement plan isn’t built to replace your paycheck? This episode breaks down why 401(k)s alone may fall short and how retirement really comes down to creating reliable income. Steve Anzuoni explains the gap between expectations and reality, the risks of relying on hypothetical projections, and why income planning—not just saving—is critical. From Social Security timing to building a personal “pension,” the conversation highlights how to approach retirement with clearer expectations and a focus on sustainable monthly cash flow.
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Could your retirement plan be quietly costing you more than you realize? Steve Anzuoni breaks down the surprising pros and cons of moving retirement funds, including proposed changes to Roth IRA rules and what they could mean for your control and taxes. He highlights the hidden impact of fees, the importance of tax planning over guesswork, and why relying on workplace-only advice can lead to costly mistakes. Real-world examples show how small decisions can significantly affect long-term outcomes, emphasizing the value of education and informed strategies when approaching retirement.
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A conversation at Mar-a-Lago brings an unexpected takeaway: retirement success starts with one word—planning. Steve Anzuoni breaks down insights from Donald Trump Jr. on why early preparation, understanding the fundamentals, and staying adaptable matter at any income level. Steve explores how disciplined planning helps protect wealth, manage uncertainty, and create reliable income streams. From building a solid financial foundation to avoiding common missteps, this episode highlights practical ways to align your savings, investments, and strategy so everything works together—even when life doesn’t go according to plan.
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What if your retirement lasts 40 years—will your savings keep up? This episode breaks down why a large 401(k) balance isn’t the same as a reliable income plan and why longevity is reshaping retirement strategy. Steve Anzuoni explains how to turn scattered savings into a structured “paycheck,” the role Social Security plays, and why timing matters when claiming benefits. The conversation also explores tax diversification, guaranteed income concepts, and how each financial piece should fit together. It’s a practical look at building clarity around income, not just accumulating assets.
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Annuities are back in the spotlight, but not for the reasons you might expect. On this episode, Steve Anzuoni breaks down why more retirees and advisors are reexamining annuities as part of today’s retirement income conversations. He shares his long‑standing focus on cash flow, income stability, and avoiding emotion‑driven financial decisions. The discussion also explores replacing lost pensions, assigning a purpose to every dollar, and why retirement planning without a written plan often leads to uncertainty.
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Market swings may grab headlines, but the real retirement risk often shows up quietly. On this episode, Steve Anzuoni explores why many near-retirees feel less confident despite strong markets, and why relying solely on a growing 401(k) can be misleading. The conversation covers shifting from accumulation to income planning, the role of rebalancing, rising healthcare costs, and why flexibility matters as retirement approaches. Steve also explains concepts like in‑service distributions and guaranteed income tools, helping listeners rethink how their savings may function once paychecks stop.
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Is your retirement confidence built on real planning—or just a strong market streak? On this episode, Steve Anzuoni breaks down why rising market gains can create a false sense of security without a written income plan. He explains the difference between saving for retirement and planning real retirement income, highlights the risks of market timing and sequence-of-returns, and discusses how fees, diversification, and cash-flow strategy impact long-term outcomes. The conversation centers on building clarity through numbers you can actually see, feel, and rely on—so confidence comes from preparation, not guesswork.
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Annuities don’t fail retirees—confusion does. On this episode, Steve Anzuoni breaks down why so many people misunderstand annuities and how that confusion can derail an otherwise solid retirement plan. Steve explains the difference between simple and complex income products, why goals matter more than rates, and how guaranteed income can change how retirees actually live and spend. The conversation also tackles longevity, inflation, healthcare concerns, and the costly mistake of delaying key retirement decisions.
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Inflation is everywhere, yet many retirees say they’re doing just fine—so what’s really going on? On this episode, Steve Anzuoni breaks down how retirees are absorbing rising costs, why guaranteed income matters more than headlines, and how to think clearly about cash flow once the paycheck stops. The conversation cuts through fear, financial noise, and novelty investments—like collectibles or “hot” trends—and refocuses on what actually supports retirement income. It’s a practical, plain‑English discussion about organizing your resources so everything works together when it matters most.
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What happens when a lifetime of saving suddenly feels fragile? On this episode Steve Anzuoni breaks down the emotional shift from accumulation to retirement and why a “pile of money” isn’t the same as a plan. The conversation explores market volatility near retirement, assigning purpose to savings, and the bucket-based approach to income, growth, emergencies, and enjoyment. You’ll also hear how guaranteed income tools, taxes, and required distributions shape real-world retirement decisions—and why clarity matters as retirement moves from an idea to a calendar date.
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One simple habit could quietly unravel a retirement plan—and most couples don’t realize it until it’s too late. Steve Anzuoni unpacks why treating one partner as “the money person” creates unnecessary risk, especially when life changes fast. The conversation moves through shared financial awareness, Social Security realities, income gaps, common retirement myths, and how different “buckets” of money shape long-term stability. Along the way, they ground big financial ideas in real-life stories that highlight why understanding the full picture matters long before retirement arrives.
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Market swings, war headlines, and retirement jitters collide—so what actually matters when your paycheck stops? On this episode, Steve Anzuoni cuts through volatility to focus on retirement income, guaranteed cash flow, and why a pile of savings isn’t the same as a plan. They break down income “buckets,” the psychology of spending in retirement, and how guaranteed sources like Social Security and annuities fit into a real-world blueprint. It’s a grounded conversation about replacing your working paycheck and navigating longer lives, inflation, and uncertainty with clarity.
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What if the real retirement risk isn’t market swings, but losing the paycheck you depend on?
Steve Anzuoni breaks down why so many Americans doubt retirement is even possible and why replacing income matters more than chasing growth. He explains the shift from pensions to personal savings, the role Social Security really plays, and how an income‑first approach can change how people think about spending, debt, and long‑term confidence. The conversation also explores purpose after retirement, un‑retiring by choice versus necessity, and why having a clear plan can remove uncertainty from the years ahead.
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When everyday expenses start competing with your future, where should the line be drawn? On this episode Steve Anzuoni breaks down why tapping retirement accounts can be a costly move and why separating money by purpose matters more than ever. The conversation explores “bucket” strategies for income, emergencies, inflation, and fun, along with real-world examples of using existing assets to manage debt. The episode also dives into new retirement contribution rules, lesser-known planning options for high earners, and why protecting your finances from cyber fraud now belongs in every retirement discussion.
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A tax refund can be more than a windfall—it can become a turning point. On this episode Steve Anzuoni breaks down how recent tax law changes may impact retirees and near retirees, then explores smarter ways to put that money to work. The conversation covers legacy planning, retirement income versus account balances, and the real difference between retirement and financial freedom. Steve explains why having a pile of money isn’t the same as having a plan—and how clarity around income, taxes, and purpose can reshape what retirement actually looks like.
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One spouse does the dishes, the other does the money—until retirement makes that division risky. On this episode Steve Anzuoni unpacks why both partners must understand the full financial picture. The conversation covers shared responsibility, Social Security’s role in retirement income, strategies that address longevity and market swings, and a simple “bucket” framework for organizing income, savings, and future goals. Along the way, real-life examples—from long marriages to pro athletes—highlight how preparation and clarity can ease stress and support long-term financial confidence.
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What if the next financial shock isn’t a market crash—but your own personal debt? On this episode, Steve Anzuoni breaks down rising credit card interest rates, the national debt debate, and why managing your personal finances matters more than predicting the next “black swan.” He dives into market uncertainty, political gridlock, luxury habits of the ultra‑rich, and how everyday consumers can create consistency, stability, and smarter retirement income strategies. From debt control to guaranteed income planning, this episode delivers real‑world insight wrapped in candid, entertaining conversation.
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When rising costs force tough financial choices, how do you protect your future without sacrificing your present? On this episode, Steve Anzuoni explores why Americans are cutting retirement savings, the real difference between needs and wants, and how spending habits matter as much as account balances. He breaks down the transition from building wealth to using it wisely, the hidden risks in political and market swings, and the crucial choices around Medicare and income planning. A clear, practical conversation for anyone wondering when they can retire—or whether they’ll have enough.
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A surprising truth about your 401(k) could change the way you think about retirement. In this episode, Steve Anzuoni breaks down the hidden tax traps retirees face and reveals how proactive planning can help you keep more of what you’ve earned. From creating tax‑efficient income to understanding guaranteed lifetime payout options, Steve and Jessica dive into practical strategies that help retirees build confidence, clarity, and cash flow. Learn how to rethink your retirement buckets, protect your savings, and design a plan that supports the life you want.
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A surprising retirement strategy could turn a required tax burden into a powerful wealth‑building opportunity. On this episode, Steve Anzuoni breaks down proactive tax planning, smart RMD moves, and a little‑known way retirees can create tax‑free legacy dollars for their families. Jessica Forkel guides the conversation as they explore why couples should tackle money decisions together, how Social Security really fits into retirement income, and where annuities may help fill long‑term income gaps. It's a practical, clear‑eyed look at building stability and confidence in retirement.
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What if one retirement decision could reshape your financial future? On this episode of Ready, Set, Retire Podcast, Steve Anzuoni breaks down the rising interest in Social Security bridging — what it is, who benefits, and why timing matters. Steve tackles myths, longevity planning, guaranteed income strategies, inflation concerns, and the real questions retirees are asking today. From delaying benefits to building lifelong income streams, this episode gives listeners clarity and confidence to evaluate their own retirement path.
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A simple lobster story turns into a revealing lesson about how retirement planning really works. In this episode, Steve Anzuoni breaks down why saving consistently is only half the battle — the real challenge begins when you shift from accumulation to creating sustainable income. Steve shares insights on 401(k) habits, common retirement missteps, and why specialized guidance matters when building an income plan that lasts. Through relatable stories and decades of experience, he helps listeners understand how to rethink their financial “envelopes” for life after work.
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A surprising retirement trend is reshaping financial plans—and it’s happening faster than many expect. In this episode, Steve Anzuoni digs into why so many Americans are accelerating their retirement timelines and how shifting from “autopilot saving” to intentional planning can make all the difference. Steve shares real client stories, the power of organizing your financial “buckets,” and why proactive reviews can help you navigate uncertainty, support aging parents, and protect your legacy with confidence. This conversation is all about clarity, practicality, and taking ownership of your future.
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What does a $102 million art heist have in common with your retirement plan? Both can be undone by a single, simple mistake. In this episode, Steve Anzuoni reveals the hidden pitfalls that threaten your financial future—from underestimating inflation and healthcare costs to the dangers of early withdrawals and credit card debt. Learn how to build a resilient income plan and avoid the traps that could sabotage your golden years.
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Are you unknowingly sabotaging your retirement with “spendophobia” or hidden Medicare costs? In this episode, Steve Anzuoni reveals the surprising traps retirees face, from the two-year Medicare premium lookback to the fear of spending hard-earned savings. Discover practical strategies like the “four buckets” approach, how to create your own pension, and why personalized advice beats one-size-fits-all plans. Whether you’re planning, retiring, or already retired, this episode delivers eye-opening insights to help you spend confidently and enjoy the retirement you deserve.
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Are your retirement plans built on optimism or reality? Dive into the surprising gap between when people expect to retire and when they actually do. Host Steve Anzuoni explores the real-world factors—health, family, finances, and routines—that can upend even the best-laid plans. Learn why flexibility and regular financial check-ins are crucial, and discover how assigning purpose to your money can help you retire with confidence. This episode is packed with relatable stories, expert advice, and practical strategies for navigating retirement’s unexpected turns.
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Are you spending more to save more—and is it costing your retirement? This episode dives into “spaving,” the sneaky habit of overspending in the name of saving, and how it can quietly erode your nest egg. Host Steve Anzuoni unpack hidden fees, smart saving strategies, and the emotional side of retirement decisions. Plus, hear insights from rock legend Robin Zander of Cheap Trick on why staying passionate keeps you young. Tune in for practical tips and real stories to help you retire with confidence.
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Are you ready to turn your retirement savings into a reliable paycheck? Discover how everyday people—just like top athletes and savvy investors—strategically carve out guaranteed income for life. Host Steve Anzuoni shares real stories, expert tips, and actionable strategies for building your own “personal pension,” reducing risk, and making confident decisions as you approach retirement. Whether you’re in your 50s, 60s, or beyond, learn how to balance growth with security and replace your paycheck with smart planning.
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What if your retirement income isn’t as secure as you think? Dive into the realities of Social Security, Cost of Living Adjustments or COLA, and the hidden pitfalls in retirement planning. Host Steve Anzuoni breaks down how to turn your savings into lasting income, avoid costly mistakes, and design a retirement plan that truly works for you. From guaranteed income strategies to the importance of splitting your nest egg into smart “buckets,” this episode is packed with practical advice for anyone approaching or living in retirement.
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Ever wondered how a secret hotel sleeper or a Lego sculptor could boost your retirement income? This episode dives into creative side gigs, the financial realities of working in retirement, and the crucial planning steps to avoid costly mistakes. Discover how tax implications, Social Security, and annuities can impact your future—and why having a solid plan is the key to lasting financial comfort. Tune in for real stories, expert insights, and practical advice for retirees and those planning ahead.
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Are new retirement rules about to upend your 401(k) strategy? In this episode, Steve Anzuoni breaks down the latest changes to catch-up contributions, explains why paying yourself first is the key to financial freedom, and reveals his “buckets of money” approach for building multiple income streams in retirement. Discover how to turn your savings into guaranteed income, avoid common pitfalls, and make the most of opportunities before the year ends. Whether you’re nearing retirement or just want smarter strategies, this episode delivers practical insights you can use now.
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Ever wondered how a secret hotel sleeper or a Lego sculptor could boost your retirement income? This episode dives into unique side gigs, the financial realities of working in retirement, and the habits of the “stealthy wealthy.” Discover how planning, tax efficiency, and multiple income streams can shape your future—plus, learn the pitfalls of annuities and why working with an independent advisor matters.
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Are you making the most of your cash in today’s shifting financial landscape? This episode dives into smart strategies for handling windfalls, avoiding hidden fees, and preparing emotionally for retirement. From the pitfalls of “safe” money to the realities of change, Steve Anzuoni shares practical advice and personal stories to help you retire with confidence—without falling into financial rabbit holes or emotional traps.
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Ever wondered if that “slam dunk” retirement strategy is really right for you? In this episode, Steve Anzuoni breaks down the complexities of Roth conversions, challenge the latest portfolio trends, and share real-life stories of retirement wins and pitfalls. Discover why personalized advice—and not DIY shortcuts—can make all the difference in your financial future.
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Are you more afraid of running out of money than spiders or snakes? This episode dives into the surprising fears that haunt retirees, from spending hard-earned savings to breaking outdated financial “rules.” Steve Anzuoni reveal why retirement is less about numbers and more about mindset, habits, and having a plan that fits your life—not someone else’s.
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Ever feel like life is speeding by and retirement is closer than you think? This episode of Ready, Set, Retire Podcast dives into the emotional and practical realities of planning for retirement, balancing living for today with preparing for tomorrow. Host Steve Anzuoni shares stories, expert advice, and actionable tips to help you organize your finances, prioritize what matters, and make confident decisions for your future.
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In this episode of the Ready, Set, Retire Podcast, Steve discusses the evolving landscape of retirement planning, focusing on annuities, micro retirements, and the importance of financial advice. He emphasizes the need for individuals to explore various retirement options, including sabbaticals and alternative living arrangements, while also addressing the misconceptions surrounding annuities. The conversation highlights the significance of understanding one's financial situation and making informed decisions to maximize retirement income.
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In this episode of the Ready, Set, Retire Podcast, Steve discusses the realities of retirement savings, emphasizing that only a small percentage of retirees have saved over a million dollars. They explore the importance of managing debt, share real-life success stories of retirement planning, and address the future of Social Security, including its potential solvency issues. The conversation also highlights alternative retirement income solutions, such as annuities, and encourages listeners to take control of their retirement planning without succumbing to societal pressures or comparisons.
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In this episode of The Ready, Set, Retire Podcast, Steve discusses the current market volatility and the increasing odds of a recession. He emphasizes the importance of understanding economic indicators and personal finance strategies to navigate these uncertain times. The conversation also covers various income sources for retirement, including 401ks, social security, and annuities, highlighting the need for diversification in retirement planning. Additionally, Steve explains how individuals can refinance their annuities to take advantage of higher interest rates, providing a tax-efficient way to enhance their financial situation.
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On this episode of The Ready, Set, Retire Podcast, Steve Anzuoni discusses the critical implications of tax cuts, the complexities surrounding Social Security taxation, and the realities of 401(k) plans as a replacement for pensions. He emphasizes the importance of proactive financial planning, especially as tax season approaches, and offers insights into strategies like Roth conversions and income planning for retirement.
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Steve discusses the misconceptions surrounding annuities, drawing parallels between canned goods and financial products. He emphasizes the importance of understanding the benefits of annuities for retirement income planning and the need for independent financial advice. The conversation also touches on the cerebral approach to success exemplified by Tom Brady, the significance of building a financial team, and the discipline required for effective saving and investing.
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In this episode Steve discusses the impact of the new administration on financial planning, focusing on tax strategies, social security changes, and the importance of guaranteed income in retirement. He emphasizes the need for long-term planning amidst short-term uncertainties and explores various investment options, including annuities, to secure financial stability for retirees.
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Steve and Jessica discuss the critical aspects of retirement planning, emphasizing the importance of understanding personal financial needs and the necessity of having a clear plan. They explore how retirement is not just about financial security but also about finding purpose and fulfillment in this new phase of life. The conversation highlights the need for proactive planning and the value of seeking professional guidance to navigate the complexities of retirement.
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Steve discusses the relevance of annuities in today's financial landscape, particularly in light of fluctuating interest rates. He explains the different types of annuities, their benefits for guaranteed income, and the importance of considering them for financial security in retirement. The conversation also highlights outdated retirement strategies, emphasizing the need for modern approaches to ensure a sustainable income in retirement.
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In this episode of the Ready, Retire radio podcast, Steve discusses the implications of new leadership on financial planning, particularly focusing on tax changes, social security, and guaranteed income options for retirement. He emphasizes the importance of long-term planning amidst short-term uncertainties and explores various strategies to secure financial stability in retirement.
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In this episode Steve discusses the importance of understanding annuities and guaranteed income, the concept of micro retirements, and the significance of financial planning for retirement. They explore how individuals can diversify their assets, drawing lessons from celebrities like John Legend, and provide insights into what to expect during a financial consultation.
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In this episode, Steve discusses the critical differences between tax filing and tax planning, emphasizing the importance of proactive financial strategies. They explore how recent political changes may affect financial decisions, stressing the need to focus on controllable factors. The conversation also delves into the often misunderstood world of annuities, explaining their types, benefits, and how they can serve as a reliable income source in retirement.
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In this episode of the Ready, Set, Retire, Steve discusses essential end-of-year planning strategies for retirement, focusing on market predictions, the role of 401k as an income source, the importance of building a personal pension, and the benefits of Roth conversions. He emphasizes the need for guaranteed income in retirement and provides insights into navigating the complexities of financial planning.
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In this episode, Steve discusses various strategies for retirement planning, focusing on tax strategies, the benefits of fixed index annuities, market trends, and the importance of balancing risk and income. He emphasizes the need for comprehensive planning to address longevity and healthcare costs, as well as the role of trusts in protecting assets.
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In this episode Steve discusses the retirement challenges faced by Generation X, emphasizing the importance of financial planning and the role of financial advisors. They explore tax strategies for retirement savings, the significance of learning from financial mistakes, and the value of persistence in achieving financial goals. The conversation highlights the need for proactive financial management and the benefits of seeking professional guidance.
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In this episode Steve discusses the current state of national debt and interest rates, emphasizing the implications for retirement planning. They explore strategies for preparing for retirement, including the importance of understanding financial products like annuities and 401ks. The conversation also delves into the emotional aspects of transitioning into retirement, highlighting the need for planning not just financially but also in terms of how to spend one's time post-retirement.
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In this episode of the Ready, Set, Retire podcast, Steve discusses the importance of retirement planning, the significance of guaranteed income, and effective tax strategies for retirees. He emphasizes the need for individuals to reflect on their financial goals and the value of annuities in providing a steady income stream during retirement. The conversation also touches on personal anecdotes and the impact of family on retirement planning.
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In this episode, Steve discusses the impact of political changes on financial futures, emphasizing that the market operates independently of political leadership. He highlights the importance of understanding market trends and economic realities, particularly in the context of retirement planning. Steve advocates for a diversified approach to retirement savings, moving beyond traditional 401k plans to include guaranteed income options like annuities. He also critiques the lottery mentality as a flawed strategy for retirement funding, urging listeners to focus on solid financial planning instead.
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In this episode, Steve discusses the pervasive misinformation in the financial world, drawing parallels to political discourse. He emphasizes the importance of proactive financial management, particularly in retirement planning, and the need for individuals to be informed and take action regarding their finances. The conversation covers strategies for managing required minimum distributions (RMDs), the significance of having a solid retirement income plan, and the role of lifestyle choices in retirement. Steve shares insights on how to navigate financial complexities and the importance of having a comprehensive approach to retirement planning.
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In today's episode, Steve discusses the recent interest rate cuts by the Federal Reserve and their implications for the economy and individual financial planning. He emphasizes the importance of understanding market history, particularly the October effect, and how it can impact retirement savings. The conversation also covers the traditional 60/40 portfolio strategy and its current relevance, as well as the bucket approach to retirement planning, which helps individuals allocate their savings for income, inflation, emergencies, and enjoyment in retirement. Steve encourages proactive financial management to ensure a secure and fulfilling retirement.
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Steve discusses the current economic landscape, focusing on interest rates, inflation, and the importance of long-term income planning for retirement. Steve emphasize the need for individuals to take control of their retirement plans, address common fears associated with retirement, and balance financial realities with personal dreams and goals. The conversation highlights the significance of annuities and guaranteed income streams in providing financial security during retirement.
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Steve discusses the challenges faced by retirees, particularly the financial pressures that lead many to continue working past retirement age. They explore the concept of financial literacy, the importance of understanding 401k plans, and the need for guaranteed income in retirement. The conversation emphasizes the significance of communication between partners regarding financial planning and the necessity of involving both parties in discussions about money management. Additionally, they address the fears surrounding retirement income and the potential solutions available to ensure financial stability in later years.
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Steve discusses various financial strategies and considerations for individuals worried about a recession. He emphasizes the importance of building up cash reserves, paying off high-interest debt, rebalancing investments, and staying calm during market fluctuations. Additionally, he addresses the impact of elections on financial plans and encourages individuals to focus on what they can control.
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Episode Takeaways:
- Don't panic during market swings and focus on long-term indicators
- Diversify investments and avoid having all your eggs in one basket
- Consider lifetime income annuities for guaranteed income in retirement
- Manage debt and eliminate high-interest debt
- Create a retirement plan tailored to your individual needs
- Seek guidance and education from a financial advisor
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Episode Takeaways:
- Diversify retirement savings and avoid having all your eggs in one basket.
- Create a plan for retirement income to replace the paycheck.
- Consider guaranteed income annuities as a source of lifetime income.
- Take advantage of the current opportunity to lock in high payout rates.
- Be aware of inflation, taxes, and market volatility when planning for retirement.
- Consult with a financial advisor to explore retirement income options.
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The conversation discusses the stock market's performance in the first 100 days of the year and its potential impact on the rest of the year. It emphasizes the importance of diversification and having a plan to protect retirement savings. Steve suggests the use of lifetime income annuities as a way to create a personal pension and provides information on how to set up these annuities.
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Interest rates are high, but that doesn't mean it's all doom and gloom. Annuities can be a good option for those who need more income, want income from guaranteed sources, or seek peace of mind. Guaranteed income can protect against market downturns and provide a stable source of cash flow. It's important to diversify retirement savings and consider a transition from being a saver to a retiree.
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Today we talk about the opportunity to refinance retirement savings through annuities. Steve explains that with interest rates being high, it is a good time to take advantage of the benefits of annuities. He emphasizes the importance of being proactive and asking questions about retirement savings.
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- Consider doing Roth conversions if you are in the right tax situation and have other liquid assets to pay the taxes.
- Social Security is in trouble but unlikely to go away completely; it is important to be proactive and make informed decisions about when to start taking benefits.
- Have a mid-year financial checkup to re-evaluate retirement contributions, withholding amounts, investment allocations, and estate plans.
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The conversation discusses the opportunity to capitalize on high interest rates before and during retirement. It emphasizes the importance of refinancing retirement plans to take advantage of higher rates. The host shares examples of how individuals can benefit from refinancing annuities and highlights the need for proactive action. The conversation also addresses the eligibility and benefits of lifetime income annuities and accumulation products.
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Takeaways:
- Many retirement savers are concerned about outliving their assets and are considering annuities as a source of guaranteed income.
- There is a lack of interest in annuities among clients, despite their desire for safer portfolios and income protection.
- The word 'annuity' has a negative connotation in the industry, but it offers stability and income in retirement.
- Investment houses are realizing the benefits of annuities and are trying to capture and keep clients in-house.
- It is important to have a balanced approach to retirement savings and not rely solely on one investment vehicle.
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With many Gen Xers in their late 50s, it's critical to shift from potential savings to guaranteed income plans. Steve shares his old-school approach to stabilizing retirement income and explains why your current retirement plan might just be a paper promise. Discover how to create real, reliable cash flow, explore the surprising benefits of rolling over your 401(k) into an IRA, and understand the often-overlooked opportunities to minimize taxes and maximize your financial security in retirement.
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Steve draws parallels to retirement planning, emphasizing why it's crucial to get expert advice rather than going it alone. Steve shares valuable insights on navigating the complexities of retirement, including the benefits of income annuities as a hedge against potential Social Security shortfalls. Call Steve today at 508-544-0560 to learn how to secure a stable, worry-free retirement. For more details, visit fairwayfinancial.net.
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Transitioning from home safety to financial security, the episode dives into why retirement planning is not a DIY project. Steve discusses the complexities of retirement strategies, the challenges of navigating annuities online, and how to create a reliable income plan to ensure you don't outlive your savings. With insights on Social Security's uncertain future, learn how to protect your retirement with the right tools and expert advice.
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With many living well into their 90s and even celebrating 100th birthdays, the need for robust financial planning is more urgent than ever. Steve shares insights on the importance of reliable income streams, the role of Social Security, and innovative strategies to ensure your 401(k) doesn't fall short.
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Steve recently had the opportunity to be a guest on Howie Carr's new podcast, "The Expert Podcast". In this interview with radio legend Howie Carr, Steve sheds light on the ever-changing landscape of retirement planning. From navigating the pitfalls of inflation and taxation to optimizing Social Security benefits and legacy planning, Steve offers invaluable insights gained from over 35 years of financial experience.
Learn about innovative solutions such as guaranteed lifetime income annuities and Roth conversions, and how they can provide financial security amidst uncertain times. Steve's expertise transcends mere investment advice; he's committed to empowering individuals to make informed decisions tailored to their unique circumstances.
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Delve into the complexities of early retirement planning as the discussion unpacks its hurdles and intricacies. From the looming specter of boredom to the daunting realities of financial depletion and soaring healthcare expenses, no stone is left unturned. Emphasis is placed on the critical necessity of crafting a robust financial blueprint capable of withstanding the test of time. Furthermore, the dialogue sheds light on the invaluable role of a retirement coach and the significance of cultivating fulfilling pastimes and pursuits to enrich the retired years.
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Takeaways from todays episode:
- Focus on balance and living within your means in retirement planning.
- Income and cash flow are crucial in retirement, including Social Security and pensions.
- Avoid emotional reactions and focus on long-term strategies when investing in gold and the stock market.
- Consider annuities for retirement income planning.
- Take into account the current economic and political climate when planning for retirement.
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In this episode, Steve takes a dive deep into the pressing issue of retirement savings in America. With staggering statistics revealing that one-third of Americans have no retirement savings and 40% don't contribute to any retirement fund, the hosts shed light on the importance of financial literacy. Steve, known as Cape Cod's retirement income specialist, shares invaluable insights into proactive financial management, emphasizing the significance of understanding retirement options beyond traditional 401(k) plans.
Steve dispels common myths surrounding Social Security's future, highlighting actionable strategies for maximizing benefits tailored to individual needs. From debunking misconceptions to providing practical advice on optimizing retirement income, this episode serves as a beacon of financial education.
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In this episode Steve discusses the importance of proactive retirement planning, especially in a politically charged environment. He addresses common concerns about the future of the economy and taxes, and explain why a "wait and see" approach can be risky.
Here are some of the key takeaways you'll learn in this episode:
- The benefits of reviewing your current financial situation, including interest rates on bank accounts and fees in your 401(k).
- How annuities can provide guaranteed income for life, even if the market performs poorly.
- The impact of the expiring Trump tax cuts on retirement income and strategies to potentially lessen the impact.
- The importance of getting a second opinion on your retirement plan from a qualified professional.
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Discover what it means to be part of the Fairway family and how Steven's blue-collar roots shape his white-collar financial strategies. From managing emotions in market fluctuations to decoding retirement complexities, Steve shares invaluable insights honed over three decades in the industry. Learn why keeping emotions in check is key to successful investing and how to navigate the ups and downs of financial planning with confidence.
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In this episode, we unravel the mystery surrounding tax returns and shed light on common misconceptions.
Join us as we dive into a recent case where a celebrity guest found himself in hot water for neglecting to file his tax returns. Discover why ignorance of tax laws is no excuse and why assuming someone else will handle your taxes is a risky gamble.
Learn the crucial differences in tax obligations between employees and self-employed individuals, and uncover the proactive steps you can take to stay compliant with the IRS. Whether you're a W-2 employee or a self-employed entrepreneur, understanding your tax responsibilities is essential for financial success.
Explore strategic tax planning strategies to minimize your tax burden and maximize your savings. From quarterly estimated taxes to leveraging retirement accounts for tax-free growth, we'll guide you through the intricacies of tax optimization.
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Join Steve as he delves into the crucial decision of whether to rollover your 401K to an IRA. With insights from financial experts like T Rowe Price's Roger Young, discover the benefits and considerations of this pivotal retirement move. Learn how an IRA offers greater investment flexibility and control over distributions, while also exploring the potential advantages of keeping funds in a 401K. Steve shares valuable strategies for helping clients navigate this decision, including the little-known option of in-service distributions and the importance of diversification for retirement income. Uncover the hidden tax implications of leaving a large IRA inheritance and explore tax-efficient alternatives for building a lasting legacy. Whether you're nearing retirement or planning for the future, this episode provides essential guidance for maximizing your retirement wealth while minimizing tax burdens.
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In this enlightening episode, Steve shares insights from their decades of experience, emphasizing the importance of diversifying income streams and creating a guaranteed peace of income. Learn how innovative financial products can provide lifelong income security, offering retirees the confidence to enjoy their golden years without financial worry.
Discover practical strategies to navigate retirement spending, including optimizing Social Security benefits and exploring new avenues for guaranteed income. Whether you're approaching retirement or already enjoying it, this episode offers invaluable advice to ensure financial peace of mind in your golden years.
For personalized guidance tailored to your retirement goals, visit fairwayfinancial.net or call 508-544-0560!
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Steve debunks common misconceptions surrounding retirement savings targets and Social Security concerns while emphasizing the importance of personalized financial strategies. From debt reduction to exploring alternative retirement solutions, they empower listeners to take control of their financial future with confidence and clarity.
As the political landscape shapes economic policies and retirement prospects, Steve urges listeners to stay informed and engaged. He sheds light on overlooked financial opportunities and lesser-known retirement products that can provide security and stability in uncertain times.
For those seeking comprehensive financial guidance tailored to their unique circumstances, visit fairwayfinancial.net to explore personalized solutions and schedule a consultation with Steve or call 508-544-0560 today!
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Steve and Fairway Financial are heavily involved in the community. One of Steve's favorite charities is Heroes in Transition. Today, Steve welcomes special guest Cindy Jones, the founder of Heroes in Transition. Celebrating its 15th year of service, Heroes in Transition has been dedicated to supporting local veterans and service members on Cape Cod through a variety of impactful programs.
Learn about the 13 unique programs offered by Heroes in Transition, all aimed at helping veterans and their families reintegrate into civilian life and cope with the challenges they face. Cindy shares touching stories of transformation and resilience, highlighting the profound impact these programs have had on individuals and families in the community.
Join the movement and make a difference in the lives of those who have served our country. Visit heroesintransition.org to learn more and get involved today.
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Learn why having multiple sources of income is essential for weathering economic fluctuations and safeguarding your financial future. Steve emphasizes the pitfalls of relying solely on traditional retirement accounts like 401(k)s and underscores the importance of creating diverse income streams to mitigate risks.
Furthermore, explore the disconnect between the need for financial planning and the lack of professional guidance. Steve offers valuable advice on selecting the right financial advisor, emphasizing experience, independence, and a comprehensive approach to retirement planning.
With over 37 years of experience, Steve advocates for a holistic approach to retirement planning, collaborating with specialists to provide clients with tailored solutions. He discusses the benefits of working with independent professionals who offer a wide range of options to suit individual needs and goals.
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Discover how Babe Ruth's forward-thinking decision to purchase an annuity in 1923 paved the way for financial security during his retirement, offering valuable insights for today's investors.
Steve explores the enduring relevance of annuities as a source of guaranteed income, drawing parallels between Babe Ruth's investment strategy and modern retirement planning. From the stability and strength of insurance companies to the importance of securing a lifelong income stream, learn how annuities can play a vital role in building a resilient financial future.
With anecdotes and expertise spanning over 37 years in the industry, Steve and Zoni shed light on common misconceptions surrounding annuities and emphasize their potential to provide peace of mind in an uncertain world. Whether you're a baseball enthusiast or a savvy investor, this episode offers valuable lessons and practical advice to help you navigate the complexities of retirement planning.
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Discover startling statistics about Americans' lack of awareness regarding their 401K fees and investment risks. Steve sheds light on common misconceptions surrounding retirement planning, including the myth that a 60/40 investment split guarantees safety for your retirement savings.
In this episode, you'll also learn about the power of annuities in providing guaranteed lifetime income during retirement. With insights from annuity advocate Cheryl Moore, Steve explains why considering annuities in your 50s could be a game-changer for your retirement strategy.
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In this episode, inspired by insights from Jordan Belfort, the real "Wolf on Wall Street," the hosts explore the futility of trying to trade based on news and predictions. As we enter 2024 with ominous forecasts of a market crash, Steve emphasizes the unpredictability of the future. They share valuable advice on diversification, especially for those approaching retirement, and caution against putting all your eggs in one basket. Discover why focusing on income planning, not just accumulating wealth, is crucial for a secure retirement.
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In this episode, the hosts unravel the complexities of the Trump tax cuts signed into law in 2017, shedding light on the impending changes set to take effect at the end of next year. With potential shifts in individual tax rates, standard deductions, and estate tax exemptions, the hosts emphasize the need for proactive planning during this two-year warning period. Steve provides valuable insights into strategic moves, including the option of Roth conversions to secure tax-free growth for the future.
Discover how to navigate the uncertainties of tax hikes and make informed decisions to protect your hard-earned money. Learn about changes in standard deductions, estate taxes, and the critical importance of income planning in retirement. Don't miss out on this episode that empowers you to take control of your financial future. For more details, visit fairwayfinancial.net.
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Steve Anzuoni, a seasoned financial professional, shares his passion for instilling confidence in clients as they approach retirement. Learn how Fairway Financial goes above and beyond to ensure clients feel like family, providing unparalleled service and assistance. Steve emphasizes the significance of a comprehensive financial plan, echoing the importance of confidence in retirement.
Explore the unique approach Fairway Financial takes, working as a team with other independent financial professionals to offer a holistic view of clients' financial landscapes. Steve reflects on his 37 years of experience, from the days of knocking on doors for John Hancock to becoming a trusted advisor dedicated to helping clients navigate the complexities of retirement planning.
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Ever felt like life is on autopilot, going through the motions without a clear plan? In this episode Steve explores the concept of autopilot in our daily lives and its significant impact on retirement planning. Did you know the average American spends about 10 years of their life on autopilot?
Steve discusses the crucial transition from accumulating assets in a 401K to strategically planning for retirement. Discover why hitting the reset button on your financial strategy, especially within five years of retirement, is essential. Steve sheds light on the shift from having a pile of money that fluctuates to assigning a purpose, creating stability and a sustainable income stream for your golden years.
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Steve breaks down the concept of "reasonable optimism," emphasizing the importance of not just expecting a bright future but preparing for inevitable setbacks and market challenges. They share real-life examples, highlighting the significance of having a robust retirement strategy that focuses on long-term goals.
Discover how to make the most of windfalls, such as the proceeds from selling a home, and redirect them strategically into retirement plans. Steve's practical advice, delivered at a New England pace, guides listeners on maximizing contributions to a 401K and taking advantage of pre-tax options for significant write-offs.
Ready to take control of your financial future? Call Steve today - 508-544-0560!
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Steve discusses the latest updates on the IRS tax brackets for 2024, shedding light on the significant 5.4% increase in income thresholds across various brackets due to inflation.
As the retirement income specialist, Steve dives into the implications of these changes, emphasizing the importance of proactive planning in the current low-tax environment. Steve explores the evolving landscape of retirement accounts, touching on rules changes for 401Ks, Roth versus pre-tax options, and potential adjustments to required minimum distributions (RMDs).
For a personalized consultation and a detailed analysis of your retirement strategy, call 508-544-0560 or visit fairwayfinancial.net. Learn how to make informed decisions to secure your financial future and stay ahead of the changing tax landscape.
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Discover surprising insights as only 8% of Americans with a million dollars or more consider themselves wealthy. Steve emphasizes the importance of avoiding comparisons on social media and focusing on your own financial journey.
Steve shares stories of individuals with varying net worth, highlighting the diverse perspectives on wealth and retirement. Steve stresses the significance of assessing where you are financially, setting realistic goals, and creating a plan tailored to your unique situation.
Steve, Cape Cods Retirement Income Specialist, provides brutally honest insights into achieving financial stability and income in retirement. Whether you're just starting your financial journey or reassessing your retirement plan, this episode offers practical guidance and motivation.
For a personalized financial assessment and honest advice, call Fairway Financial at 508-544-0560 or visit fairwayfinancial.net.
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In this episode, hosts Steve digs deep into the recent controversial advice from financial guru Dave Ramsey. Ramsey suggests retirees remain 100% invested in stocks throughout their lifetime and withdraw 8% of their portfolio annually without concerns.
Renowned financial author David McKnight joins the discussion, exposing the flaws in Ramsey's approach. The hosts emphasize the unrealistic annual market return assumption of nearly 12%, highlighting the potential dangers of relying on such optimistic figures. The volatility of the market and the order of returns during retirement are crucial factors that could impact the longevity of retirement assets.
Steve passionately criticizes Ramsey's advice, labeling it as "insanity" and expressing concern about its potential impact on unsuspecting retirees. Steve stresses the importance of a well-thought-out retirement income plan, debunking the idea of a one-size-fits-all approach.
Tune in to understand the potential pitfalls of Ramsey's recommendation and why a more cautious and personalized approach to retirement planning is essential. Steve offers practical insights and invites listeners to explore a better long-term approach for guaranteed income in retirement.
For those seeking a secure retirement income plan tailored to their needs, Steve Anzuoni invites you to call 508-544-0560. Don't settle for hypotheticals—get a written plan that ensures your income lasts as long as you do.
Visit fairwayfinancial.net or call Steve today at 508-544-0560 for your complimentary Income Review!
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In a recent survey, 70% of pre-retirees expressed concern about running out of money, highlighting the urgency of effective retirement planning. Join Steve in todays episode where he unravels the mystique surrounding annuities, a powerful tool often misunderstood in retirement planning.
Steve explains how annuities, essentially the modern version of pensions, offer a guaranteed income for life—an invaluable asset given the dwindling availability of pensions. Steve discusses the shift in corporate dynamics that led to the decline of traditional pensions and the increasing importance of annuities in today's retirement landscape. He emphasize the role of annuities in providing peace of mind and a stable income stream, addressing common misconceptions and shedding light on their significant benefits.
Listeners will gain insights into the different annuity options available and how they can be tailored to meet individual needs. Steve shares real-life examples of how annuities have rescued retirement plans, demonstrating their adaptability to changing financial landscapes. Discover why annuities are more relevant than ever, especially for those without a pension, and learn how they can complement Social Security to create a robust retirement income strategy.
Visit fairwayfinancial.net or call Steve today 508-544-0560 for more details and take the first step toward unlocking a secure and stress-free retirement.
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In this episode, Steve explores a crucial aspect of retirement planning for Generation X—those in their late 50s. Astonishingly, only 40% of Gen Xers work with financial advisors.
Steve delves into a significant tax change set for 2026 that will impact those earning over $145,000, requiring them to opt for a Roth 401K. He highlights the importance of staying informed and diligent in navigating these financial intricacies. However, he emphasizes that Gen Xers might be missing out on alternative retirement savings strategies beyond traditional options.
Steve discusses how over-funding these policies can create a substantial tax-free sum of money during one's lifetime. He emphasizes the potential of these policies to generate tax-free income and provide a tax-free death benefit, offering a unique perspective beyond the conventional 401K and IRA.
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In this episode, the hosts discuss Morningstar's Christine Benn's advice on maximizing 401K contributions, especially for those over 50, where the limit can reach $30,000 in 2023.
Discover why revisiting your retirement plan contributions is crucial and how making adjustments can have a significant impact. Steve share's real-life stories, including a client who, after a simple conversation, realized the untapped potential in maximizing her 401K contributions. Learn why the end of the year is an opportune time to reassess your financial goals and make strategic decisions for your retirement.
Steve emphasizes the importance of taking advantage of the current choices available for funding a 401K before legislative changes come into effect. He provides insights into pre-tax and post-tax considerations and encourages proactive decision-making to secure your financial future.
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In this episode, Steve explores the concept of retirement, drawing inspiration from entrepreneur Naval Ravikant's unique perspective. While financial independence is a common goal, the hosts discuss various paths to retirement, including managing burn rates, passive income, and the importance of doing what you love. Steve emphasizes his own approach to retirement, sharing insights from his 36 years in the industry. The conversation delves into annuities, a key component of a secure retirement plan, and the misconceptions surrounding them.
If you're tired of the noise in financial advice and seeking genuine insights into securing your retirement, this episode is a must-listen.
Call Steve today for your Complimentary Portfolio Review and be on your way to financial Freedom!
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On today's episode, Steve shares the incredible story of Charles Feeney. Charles, a multi-billionaire, chose to give away his vast wealth, emphasizing the joy of giving while being alive. The episode explores the pros and cons of this philanthropic approach and delves into the importance of achieving a balance between generosity and self-preservation.
Steve discusses the complexities of leaving a financial legacy to your loved ones and the IRS, highlighting the recent changes in beneficiary rules for IRAs and 401(k)s. Learn how to optimize your financial plan, ensuring that you leave a lasting legacy for your family while minimizing taxes and maximizing the benefits for your heirs.
Questions about your legacy? For your complimentary Legacy and Estate Tax Plan call Steve today - 508-544-0560!
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In today's episode, we're tackling an intriguing question: Can you trade in your older annuity for a newer, more advantageous one?
With interest rates on the rise, now is a particularly opportune time to consider upgrading your annuity. Steve discusses the nuances of this decision, emphasizing that while it can be a favorable move in some cases, it may come with certain costs.
As the discussion unfolds, Steve shares remarkable rates and opportunities available with certain annuity products. He highlights the attractiveness of index annuities, which participate in market gains while ensuring zero losses. Steve underscores the importance of staying up-to-date with industry trends and seizing high-yield products before they're no longer available.
Steve also shares a real-life success story of a client who, like many others, found themselves in an annuity that didn't align with their goals. By offering the right solution and facilitating a strategic transition, Steve helped this client turn a potentially unfavorable situation into a bright financial future for their family.
If you're curious about optimizing your annuity or exploring opportunities for growth, call Steve TODAY for your complimentary Annuity Stress Test!
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In this episode, we explore the surprising statistic that only 35% of Americans utilize the services of a financial advisor. Steve, a renowned retirement income specialist with over 30 years of experience, helps us unravel the reasons behind this.
Many Americans primarily store their wealth in their 401(k) accounts, assuming they can manage their retirement funds independently. However, as Steve emphasizes, there's a significant distinction between wealth management and income planning. He believes in providing simple, no-jargon, down-to-earth financial guidance, as opposed to being a highfalutin "wealth manager."
The episode takes you inside Steve's laid-back, relaxing office in Cape Cod, where he offers insights and assistance to those from all financial backgrounds, regardless of their asset size. Steve believes that your money is as important as anyone else's and that understanding your financial options is vital, especially if you're not part of the elite millionaire club.
Call Steve today for a copy of Steve's Amazon best selling book, "Tee Up Your Retirement," which is tailored for individuals looking to make the right financial decisions as they approach retirement. The book, just like this podcast, simplifies complex financial concepts for the everyday person. For your complimentary copy, call Steve today - 508-552-3230!
If you're among the 65% of Americans who haven't sought financial guidance, Steve and Jessica encourage you to take that first step and start the conversation. You can reach out by calling 508-552-3230 or visiting the website at fairwayfinancial.net.
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This week, we delve into one of the most pressing retirement questions on everyone's minds: how do you ensure a steady income stream when you retire, without the fear of running out of money?
Steve, Cape Cod's Retirement Income Specialist, shares his expertise on the significance of annuities in retirement planning. He emphasizes the value of annuities in protecting your money and securing a stable stream of income during your golden years. The conversation expands to different types of annuities, highlighting the importance of selecting the right one to fit your unique financial goals and needs.
A diversified approach to your retirement savings is the key to ensuring your financial security. Steve walks you through the benefits of having multiple financial buckets, such as annuities, 401(k)s, real estate investments, and more. The recent economic turbulence has highlighted the importance of a well-rounded financial strategy.
Discover how annuities can become a pillar of your retirement income plan and provide the financial stability you desire. Get professional guidance on making the right annuity choices and keeping your retirement dreams alive.
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The financial world is experiencing a shift where cash is offering higher returns than ever before, surpassing even the S&P 500. As Yahoo Finance's Jared Blicker notes, a staggering $925 billion has flowed into money markets this year alone.
Traditionally, when stocks dipped, investors had few alternatives and often kept plowing money back into stocks, especially those with lower yields but high growth potential. Now, with cash yielding better returns, the approach is different.
Steve shares insights into cash positioning, highlighting that he's noticed an increasing interest in higher fixed rates and opportunities that offer gains without losses. He discusses the advantages of certain financial products, such as index annuities, that provide opportunities for gains while protecting against market downturns.
#retirement #financialplanner #financialliteracy #wealth #fyp #podcast
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Under this new measure, starting next year, older workers earning more than $145,000 will be required to use an after-tax Roth 401(k) rather than the traditional pre-tax 401(k). However, since many employers do not offer Roth 401(k)s, the IRS has extended the deadline to 2026.
Steve breaks down what this means for you and your retirement strategy. He also emphasizes the importance of diversifying your retirement savings to reduce dependency on government-controlled plans. With the government's ever-changing rules and regulations, having different financial buckets can provide greater stability and control over your retirement.
If you're concerned about the impact of the Secure 2.0 Act on your retirement or want to assess your current retirement plan, call Steve today at 508-552-3230. Steve and his team can provide an X-ray of your 401(k), analyzing earnings, fees, risks, and exploring alternative retirement savings options.
#retirement #financialplanner #financialliteracy #wealth #fyp #podcast
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In a recent survey of 2,000 individuals, conducted by a Harris Poll, a staggering 70% found retirement planning unnecessarily complicated. That's a sentiment many of us can relate to. So, where are people turning for information? The survey revealed that 43% rely on their own research, while 39% look to their employers, 27% seek advice from family members, and only 10% attend retirement planning classes or seminars.
Steve recognizes the challenges of navigating this complex landscape. He acknowledges the frustrations many face when trying to decipher financial jargon and overwhelming information online. Retirement planning should be straightforward, centered on the idea of saving to replace your paycheck when you retire. But, as Steve points out, the financial world has a knack for making simple concepts seem daunting.
That's where Steve steps in as a translator and educator. His mission is to simplify retirement planning and help his clients understand their options. He's a firm believer in providing clients with all the available choices, as acting in their best interests is his top priority. Steve emphasizes the importance of protecting your hard-earned money, especially as you approach retirement, when it becomes increasingly difficult to recover losses.
Steve's dedication to demystifying retirement planning led him to write the book "Tee Up Your Retirement," a resource designed to provide a foundational understanding of retirement finances. He's even offering free copies to those seeking guidance.
If you're feeling overwhelmed by the complexities of retirement planning or just want to ensure you're making the right decisions for your financial future, Steve and his team at Fairway Financial are here to help. They'll guide you through the maze of options and tailor a plan to fit your unique needs.
#retirement #financialplanner #financialliteracy #wealth #fyp #podcast
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In this episode of the Retire Ready Radio podcast, Steve (Cape Cod's Retirement Income Specialist) talks about the importance of having an income plan in retirement.
Steve discusses the different types of income streams available to retirees, and how to create a plan that meets your individual needs. He also talks about the importance of considering factors such as inflation, taxes, and healthcare costs when planning for retirement.
Whether you're just starting to think about retirement or you're just a few years away, this episode is a must-listen. Steve will give you the information and tools you need to create an income plan that will help you retire comfortably and with confidence.
#retirement #financialplanner #financialliteracy #wealth #fyp #podcast
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In today's show, we delve into a topic that's both practical and essential for securing your family's future: the importance of having open financial conversations with your adult children.
It's surprising how many habits we carry from childhood into adulthood, and this extends to the way we manage our households. According to a recent poll, three out of five individuals still follow their parents' example when it comes to cleaning the kitchen before bedtime or even washing dishes in the same order as their parents did.
Our discussion takes a turn towards financial planning and how these generational patterns can influence our approach to money management.The financial landscape has seen its share of challenges, from the aftermath of the recession to the rising credit card debt, 401(k) withdrawals, and car loan defaults. Steve emphasizes that it's essential to look beyond the surface and recognize these subtle indicators of financial stress, which may affect both parents and their adult children.
#retirement #financialplanner #financialliteracy #wealth #fyp #podcast
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Today we're diving into a crucial aspect of retirement planning that often gets overlooked: how to smartly withdraw your hard-earned savings to maximize your income while minimizing tax implications.
Imagine this scenario: you've diligently saved for retirement, and you've got a solid plan in place. But now the question is, how do you start withdrawing your funds? This is where things can get tricky, as improper withdrawals can lead to significant tax problems. We're delving deep into the world of withdrawing funds from taxable, tax-deferred, and tax-free accounts.
Join us as Steve guides us through the maze of options and helps clients make informed decisions about boosting their after-tax income in retirement. The strategies you employ depend on factors like whether you're fully retired, semi-retired, or the age at which you retire – all of which can have a major impact on your financial well-being.
#retirement #financialplanner #financialliteracy #wealth #fyp #podcast #income
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Steve takes a deep dive into the topic of recession-proofing your retirement savings. With economic uncertainty looming, Steve discusses strategies for safeguarding your financial future. From discussing the potential of an impending recession to exploring the ways annuities can provide financial security, this episode provides expert advice for navigating these challenging times.
As Steve, a seasoned retirement planner, points out, retirees often value the security of a steady paycheck, just as they did during their working years. He explains how annuities can serve as a replacement paycheck, offering the peace of mind that retirees desire.
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Steve delves into the concept of a "soft landing" and its implications for the economy. Discover why the chance of a soft landing is on the rise and how this affects jobs, incomes, and consumer habits. Steve emphasizes the importance of focusing on actionable steps to secure your financial future, regardless of economic fluctuations. Remember, securing your retirement requires informed decisions and a customized plan designed to weather economic changes.
#retirement #financialplanner #financialliteracy #wealth #fyp #podcast #economy
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Barbie's journey from a role model with 200 jobs to a reality check in the "real world" sparks comparisons to life's financial challenges. Discover how the movie mirrors the experiences of college graduates stepping into adulthood and individuals transitioning into retirement.
Steve, the retirement income specialist, emphasizes the importance of safeguarding your financial future, just as Barbie protects her world-saving aspirations. Hear Steve talk about the implications of having multiple 401K accounts from past jobs. Steve shares how rolling over old 401Ks into IRAs can grant you more control, better options, and improved fee transparency.
Barbie's story serves as a reminder of the changing landscape of pensions and retirement planning. Learn how Steve helps individuals navigate these challenges, ensuring they have a tailored strategy for their unique situations.
Whether you're a Barbie fan or looking for actionable financial advice, this episode offers a wealth of knowledge and entertainment. Join the conversation and explore strategies to maximize your retirement savings while enjoying a healthy dose of pop culture!
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In this episode hear Steve discuss a crucial strategy for tax planning and financial growth: Roth IRA conversions. Steve takes a deep into the world of Roth IRAs and how they offer an ideal solution for tax planning. Discover the benefits of taking the tax hit on your contributions now and watching your gains grow tax-free. But what if you're told you make too much to contribute to a Roth?
Steve breaks down the misconceptions around saving using pre-tax dollars and reveal why it's essential to act NOW especially given the current lowest marginal tax brackets. Learn how to reposition your money, convert pre-tax IRAs to Roth, and disinherit the IRS !
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Steve discusses the importance of a mid-year financial check-up for retirement planning. The importance of having a solid income plan, especially for those nearing retirement or already retired. Drawing from his 35 years of experience, Steve explains how relying solely on market performance can be risky and lead to potential income shortages during retirement.
By focusing on creating a dependable income stream to supplement Social Security, you can safeguard your financial future and enjoy a worry-free retirement. If you're seeking a more stable retirement plan and a guaranteed income for life, tune in to this insightful episode and learn how to protect your financial well-being.
Worried about running out of money in retirement? In this week’s episode, Cape Cod’s Retirement Income Specialist,Steve Anzuoni, shares how his bucket planning approach can help provide income for life!
Then, with three decades of experience helping people just like you plan for retirement, hear what makes him different from other financial planners!
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There’s an old saying in the news business: “If it bleeds it leads.” It’s because tragic and splashy headlines often get our attention. In the financial world, market declines are the splashy headlines. But a new study from a Fidelity analyst says, we get too wrapped up in the topic of market risk and we don’t focus enough on two of the other big risks of retirement:
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Expensive health care needs
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Living into your 90s.
Would you agree?
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Reliable monthly income is a big concern for retirees. Yahoo Finance looked at the pros and cons of annuities in that role. Two of the objections they site are:
1) Every annuity comes with high fees
2) No access to principle in an emergency
Can you speak to those points?
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The latest polls are showing Americans are not feeling good about the economy. One survey (by CBS News/YouGov) found 64% of adults would rate the economy as “bad.” Another poll (by F&G) shows 80% of Americans over age 50 are worried about the impact of inflation on their retirement, with many facing the prospect of having to keep working. Concern about the economy can turn into anxiety about retirement. If you're concerned about the market, the economy and want to protect your money - hear how Steve can help!
The financial headlines have been talking about a recession for months. Market analyst Eddie Ghabour tells Fox Business we are already there. Hear Steve give his opinion and if he see's a significant market pull back this year and should people look for a more protective stance with their retirement money!
Is the stock market trying to second-guess the Federal Reserve? Analyst Stephanie Pomboy thinks it is. What are you telling clients who say they wish they could just take a break from the market? You’ve told us many times about the benefits of annuities. They offer a guaranteed stream of income in retirement. But they can come with a lot of fine print. Do you explain all that to clients?
At what age do you think you’ll retire? Comedian Wanda Sykes says she probably never will retire! I bet a lot of people can relate – they don’t want to retire and maybe are already thinking of future opportunities. Do you work with clients like this?
We’re seeing higher CD rates thanks to higher interest rates. But annuities are also based on interest rates. So, the higher the rate, the higher the annuity payments will be. Yet there are skeptics...are you seeing more interest in annuities right now?
If you near or in retirement, call Steve today for your customized income plan! Steve will show you how long your money will last, what you need to do to fill the gaps and share strategies to grow and protect your money in retirement!
The failure of Silicon Valley Bank is becoming a textbook case of poor risk management. It didn’t have enough ‘safe’ assets versus risky ones. So, let’s apply that to our 401(k). What’s considered a good safe asset?
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Each month the financial brainiacs at Barron’s financial news gather for a roundtable discussion about the markets and economy. Last month there was a lot of disagreement. One said, “I see bubbles and champagne.” Another said, “I see the need for Alka-Seltzer.” We know you have to sift through all that and more importantly, the opinions of your clients. How do you find that “happy place” to satisfy your clients, so they are taking the right amount of risk and receiving the right amount of reward?
Massive layoffs in the tech world have been grabbing headlines lately. Companies like Google, Meta and Amazon are letting workers go by the thousands. Just a few years ago, many were looking at finishing their careers with these jobs. If someone is close to retirement – and that ‘forever job’ is becoming less stable – what can they do now to prepare for an unplanned retirement and still get guaranteed income?
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If there is a recession, when will it hit? If someone is going to retire this year, would you tell them to wait or forget about the market and move forward?
Then, the cost of Long-Term Care can be $10,000 or more a month! No wonder so many say it’s one of the huge “gotcha” expenses in retirement. And now, a dozen states are considering implementing a mandatory tax on people who don’t carry long-term care insurance. Steve weighs in and discusses the best approach to covering these costs.
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The Federal Reserve just raised interest rates. And it will likely not be the last time - what does that mean for you, your money and your retirement? How concerned should be about the Fed? Hear Steve explain how he can help you grow and protect your income despite the Fed, record high inflation and big tax changes coming our way. We can't control inflation, the market or the Fed but you CAN control your financial future! Call Steve and ask about his customized Income Plan!
We know that when you draw up a retirement plan, you certainly include Social Security in the income picture. For those who are on the verge of taking it, what steps can they take to maximize their benefits?
Then, annuities are insurance contracts that are designed to help protect you from outliving your retirement income. And there are different types and products to choose from. But the one of the first questions usually asked is, “What’s going to be my rate of return?” Hear Steve explain the pros and cons of different income tools and his process on creating a customized income plan just for you.
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Wall Street is famous for saying, “The market always comes back.” And it usually does. The question is how long it will take? Amid the ups and downs, hear how Steve can you help limit the losses and cut down on recovery time!
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The Social Security Administration has announced its cost-of-living adjustment (COLA) for 2023. It’s 8.7% - the highest in 40 years. Is that something you warn clients about?
Then, there’s a guy in Brazil who can count all the companies he’s worked for on one finger. Walter Orthmann is 100 years old and recently set a new world record for longest career at the same company – 84 years! He has no plans to retire. Can you tell us about any clients who’ve put off retirement because they’re so devoted to their job even in their 70s, 80s or even 90s?
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Let’s pretend that time travel was possible. What decade of your life would you choose to experience all over again? A new survey of seniors found their number one answer was their 30s. Many described that decade as their best and happiest. So, what financial advice would you tell your younger self?
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One of the biggest chains for breakfast in America is Waffle House (located in 25 states). But what customers don’t realize is the cooks use an elaborate “marking system” that helps them get the order right. So, they’re using something they see, but we don’t. Isn’t that the same when it comes to a portfolio or 401(k)? When you review them, what do you often see that we don’t?
Then, he’s been the voice of Darth Vader for nearly 50 years and at 91-years-old, James Earl Jones wants to retire. So, he’s signed away the rights to his voice so that the franchise can re-create it using artificial intelligence. Jones is probably making a nice residual from it all. Isn’t that another example of an income stream that can supplement a retirement plan?
Sometimes a rocky economy is like a football game. Market volatility, high inflation and the threat of recession can tackle even a good retirement plan and throw it for a huge loss. So, is there a tool that can withstand these threats?
Then, a recent survey (by GOBanking Rates) shows that many Americans are in desperate need of retirement information. More than half wish they had more education on how to invest. But only 7% said they got their answers from a financial advisor. How would you help someone in this situation? What are their most common questions?
A website called TheBalance.com warns that a big mistake too many married couples make is they think about their retirement future based on “my money, your money.” But if they look at the picture jointly, their money may last longer. What problems have you seen couples encounter? Do you insist on involving both spouses in their retirement planning?
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What is an annuity? They provide a steady stream of guaranteed income in retirement. Annuity advocate Sheryl Moore with WinkIntel.com recommends looking into annuities but be careful if you start to feel pressure. Hear Steve explain the different types of annuities, how to know if it's a fit for you and the red flags to avoid!
Inflation remains high, and things are still more expensive. So, people need more guaranteed income in retirement because bonds aren’t getting it done. That’s where annuities can help fill the need. But many still hesitate. Steve explains the benefits of an annuity and how he can help you achieve income for LIFE!
Inflation remains high, and things are still more expensive. So, people need more guaranteed income in retirement because bonds aren’t getting it done. That’s where annuities can help fill the need. But many still hesitate. Steve explains the benefits of an annuity and how he can help you achieve income for LIFE!
Airline staffing issues have led to a shortage of baggage handlers. The result? The number of unclaimed bags has soared. After 90 days, much of this luggage heads to the Unclaimed Baggage Store in Scottsboro, Alabama. The same thing applies to ‘lost’ retirement funds. People forget about 401(k)s and pensions when they change jobs or leave their retirement account in an old employer’s plan. So, is there a ‘store’ where we can check to see if we left any money behind? And if we did, what should we do with it?
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Airline staffing issues have led to a shortage of baggage handlers. The result? The number of unclaimed bags has soared. After 90 days, much of this luggage heads to the Unclaimed Baggage Store in Scottsboro, Alabama. The same thing applies to ‘lost’ retirement funds. People forget about 401(k)s and pensions when they change jobs or leave their retirement account in an old employer’s plan. So, is there a ‘store’ where we can check to see if we left any money behind? And if we did, what should we do with it?
Call Steve today for a Customized Income Review!
Planning for retirement doesn't have to be stressful - Steve make's it easy, simple and FUN!
Here's something most retired couples don’t think about: When one of you passes, one of your monthly Social Security checks will go away. That can mean a substantial drop in income for the surviving spouse. Steve explains how how he helps his clients decide on a social security claiming strategy and more!
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On today's episode, new research (by the Transamerica Center for Retirement Studies) says millions of workers have made a dangerous mistake with their retirement savings. More than a third say they’ve taken a loan from a retirement plan – or even worse – took an early withdrawal. Steve explains how to avoid financial mistakes and creating income for life!
The Wall Street Journal says rising prices are forcing retirees back into the job market. Higher inflation is also making workers who are near retirement to rethink their options. The article says it’s very hard for these groups to know if they’ve saved enough for retirement. Hear how Steve can help you inflation proof your income plan so this doesn't happen to you!
For the DIYer's: Do you enjoy attempting “Do It Yourself” projects at home? How long do you work on them before frustration sets in and you call a professional? A recent survey (by OnePoll) found it took the average person five hours of trial and error before they gave up and made the call. How long have you seen people try to manage their own retirement funds before they finally give you a call? Do they wish they’d done it sooner?
Inflation Proof Your Retirement Plan TODAY!
How long has it been since you cleaned out your fridge? A survey commissioned by Rubbermaid finds that the average refrigerator has five food items that are “expired” and probably should be thrown out! So, is it too much of a stretch to compare our refrigerator with our retirement portfolio? Could that also benefit from a little reorganizing, to make it work more efficiently for us?
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Taxes are still relatively low, but that can change at any time. An article in U.S. News & World Report says that makes this an opportune time to consider converting a traditional individual retirement account into a Roth IRA. But this might not be right for everyone. What instances could make this a good move or maybe not?
What are some of the regrets expressed by retirees? One of the most common ones was that they wish they’d had a plan. But as long as we don’t go crazy with our retirement spending, can’t we just wing it?
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The difference between a Roth IRA and other types of IRAs is that the Roth is funded with after-tax dollars. But many would-be retirees may still have their money in pre-tax traditional IRAs. Does converting those dollars to a Roth make sense, even after age 60? What are some of the pros and cons? Then, if you inherit an IRA or 401(k) from your parents, the IRS has changed some of the rules. Hear how Steve can help!
Inflation remains the top economic concern. And there are fears it could grow worse amid the Russia-Ukraine crisis. So, when will the soaring prices come back down to earth?
Right now, the market is wondering if the Fed will get it right. Should we even worry about a correction at this point? Hear Steve explain how you fight inflation and protect and grow you income IN the market despite any downturns.
Come in for your Portfolio X-ray!
Steve joins Grace to discuss the current market downfall that has put us in a recession, ways to protect your money during this time and how Steve can help give airbags around your income plan to fight off inflation!
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Steve goes through a list of popular retirement myths, and gives his take on these and more!
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We all know that 401(k)’s are among the most popular retirement accounts. But a survey by TD Ameritrade found that only 27% know how much they’re paying in fees. The smaller the plan, the larger the fees, which can exceed 2%. That can cost you tens of thousands of dollars over time. Hear how Steve can help you mitigate fees, protect and grow your income.
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INFLATION! INFLATION! INFLATION!
We are all feeling the burn at the pump, the grocery store - pretty much everywhere right? When you enter retirement, the paychecks stop, and you have your "pile of money" to get you to and through retirement, how can you protect your retirement from inflation?
The question most retirees ponder is how much they should take out of their financial plan each month to meet their spending needs. 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’ll think you’ll spend. Hear what Steve thinks of the $400 rule and how you could factor it into your retirement plan.
Then, the U.S. Senate is now considering a big bill passed by the House that’s designed to help Americans save more for retirement. It’s commonly called “SECURE Act 2.0.” Longtime wealth advisor James Bogart tells Yahoo Finance that it’s a huge step in the right direction. Hear Steve recap what you need to know and of course its impact to those who are currently retired or about to retire!
We haven’t seen the end of interest rate hikes as inflation continues to threaten the economy. But legendary investor Mark Mobius tells CNBC that there’s one way to hedge against it. Steve weighs in on this and explains how to protect and grow your income during these times of inflation.
Inflation Proof Your Retirement Plan!
Saving up for retirement is one thing, but withdrawing money once you’re retired is another. An article on the SmartAsset financial website talks about the four worst mistakes people make in withdrawing from their accounts. Hear Steve explain how to determine the best order to withdraw from your retirement accounts and avoid HUGE mistakes!
Then, economists routinely tell us that the biggest retirement worry is running out of money. But Forbes says there’s another concern that doesn’t get as much attention … and that’s maintaining the same standard of living. But how do we do that, considering that our retirement income will probably be less than what we earned when we were still working?
Inflation continues to climb. It’s now at 8.5% over last year, the highest level since 1981. If you are near retirement or already retired, how can you keep with inflation AND not run out of money? Hear Steve discuss his strategies to help you WIN against inflation and WIN in retirement!
The biggest fear of planning for retirement is running out of money, right? Steve discusses his different tools and strategies that can help you avoid running out of money. Plus, there is an amazing opportunity available for you and your income plan for a limited time!
Call Steve today for your custom income plan!
So, what’s the outlook for the stock market this year? It depends on whom you ask. Brent Schutte with Northwest Mutual tells CNBC he’s more optimistic, pointing at signs that pandemic inflation is starting to slip. But even he is more cautious about the second half of the year, when the Fed is expected to raise interest rates several times. It seems the forecast keeps going back-and-forth. What’s the direction our investments should take? Should we rebalance allocations more than twice-a-year?
Inflation is the highest it's been in 40 years! How is this impacting your income plan both in the working world and in retirement? Steve joins Grace to discuss the recent market volatility, the opportunity to have income for life and one special offer just for our listeners that is ONLY AVAILABLE until April 11th!
Call Steve today 508-398-3337!
Between the time you woke up this morning and the time you go to bed tonight, another 10,000 baby boomers will have officially retired. What about you? Have you done everything you need to do to be ready? What about taxes? inflation? Securing income for life? Hear how Steve can hep you plan for a successful retirement and help you check off items on that retirement planning list !
Despite the inflation that’s resulted, a new survey shows most Americans are confident about their financial future. Seven in ten tell a new Fidelity poll that they’re basing this on the fact they were able to stick to their 2021 financial resolutions. Almost the same percentage were planning to make new ones for 2022. If you were to wish financial resolutions for others, what would be on that short list?
We all have that one thing we keep putting off … even though we know we really need to take care of it! And when it comes to financial planning, many of us have been putting off the same thing … getting an estate plan. Hear Steve's advice for those putting retirement planning on the back burner!
Steve talks about inflation and that it is not going away soon, Extreme volatility in the stock market lately could mean a major selloff is just around the corner. That’s according to Morgan Creek Capital Management CEO Mark Yusko. Hear Steve's thoughts on this and how he can help you combat both inflation and volatility in retirement.
The so-called “4% Rule” for annual retirement withdrawals has been around since the mid-1990s. But Morningstar’s Christine Benz believes that number has been misunderstood. With inflation rearing its ugly head, Benz now feels the safe withdrawal rate should be 3.3%. Should retirees who are taking out more panic? How do you help them come up with the ideal number?
David Lee Roth front man of Van Halen is hanging it up. David Lee Roth made the announcement recently in a phone call to the Las Vegas Review-Journal. It comes just short of one year after bandmate Eddie Van Halen died of cancer. Roth says he’ll play his final five shows in Vegas beginning New Year’s Eve. Obviously, an event like this can trigger thoughts of retirement. Steve talks about clients who have had similar situations and how he has helped handle the quick entry into retirement. Kiplinger’s surveyed hundreds of retirees and near-retirees to ask them about their biggest financial fears. What's yours? Hear how Steve can help you overcome these fears with comprehensive financial planning.
I read a story in Market Watch about a guy who worked at a bank for 38 years. He helped people with their investments. His wife is even a financial advisor. Yet the name of the article is “I failed at retirement: how to avoid my mistakes.” Steve talks about what he says to people who say they can't afford working with Financial Advisor.
House Democrats have unveiled their wish list for higher taxes. Among other things, they want to raise the top income tax rate to 39.6% and the top corporate tax rate to 26.5%. But investment manager David Rubenstein tells CNBC these numbers are not set in stone, ho, how do we play this? Is it even possible to prepare for higher taxes when we still don’t know yet what form those higher taxes will take?
Do you have more than 600 dollars in your checking account? If that’s a yes, the IRS wants permission to monitor it. The IRS says by knowing how much is going in and out of your account each year, they can spot whether an individual is hiding income they may not be reporting. This still must be approved by Congress, but it’s another extreme example of how far Government will go to get more tax money. Steve explains how his tax strategies can help keep Uncle Sam's hand out of your wallet!
We’re all human, meaning we all forget things. We forget someone’s name … we forget our email password … we forget old 401(k) accounts. Wait … what? Do people really forget about something as big as a retirement account? You bet they do. In fact, Market Watch says there are currently 24 million “forgotten” 401(k) accounts! And collectively, those accounts hold 1-point-3 trillion dollars in assets! I’m guessing that’s not good? Hear Steve explain the best way to carry previous accounts with you and how to protect and grow these accounts!
We hear a lot about the advantages of doing a Roth conversion. But personal finance author Liz Weston warns that “later in life” conversions can sometimes cause problems. How do we know when a Roth does – or doesn’t – make sense for us? Then, most of us are hoping that we’ll be able to maintain the same standard of living in retirement that we enjoy now. But Jack Otter, an associate publisher for Barron’s, tells Fox Business that a lot of people aren’t doing what they need to do to make that happen. Hear Steve explain the important of generating income as opposed to just periodically withdrawing money from their retirement account.
There are lots of potential tax changes on the horizon … with President Biden saying he want to raise taxes on “the wealthy.” But as IRA expert Ed Slott tells Morningstar, these types of changes could end up affecting all of us. Hear Steve explain how to get in front of these possible changes and surviving inflation in retirement!
A new survey says one in six Americans already have. Another 14 percent started last month [October] and 28 percent say they’ll begin this month [November]. But how many have started their end-of-year financial checklist? Hear how Steve can help you tie up this year with a bow and prepare for a better 2022 with your finances and taxes!
Steve recently sat down to chat with Grace about upcoming HUGE tax changes.
The current tax brackets that are in place now will more than likely stay in place until 2025 - good news right? Well, not so much. Listen and find out why and more importantly, how Steve can help you build a better tax efficient plan where the IRS doesn't outsmart you!
The #1 fear of planning for retirement is running out of money. We are all living longer which is good news but how can we possibly come up with a realistic retirement plan when we don’t know how many years to plan for?
Bloomberg interviewed the head of the Fitch credit rating agency about all the money our federal government has been spending. And he warns that the bill will eventually come due in the form of spending cuts and higher taxes. What does that mean for our retirement prospects?
Hear why Steve says inflation should be called "man-flation" and what you can do to protect yourself from the negative impact of inflation.
Then, TAXES! Steve explains his buckets of money approach money that gives YOU tax control. Plus, what are some tax free options you should consider ?
It’s a good problem to have, but it’s still a problem: Research shows that many retirees are spending a lot less than they could be. Michael Finke, a professor at The American College of Financial Services, tells Yahoo Finance that people seem to be afraid to spend down their nest egg! Hear Steve explain how at times he has to give his clients a "license to spend." Steve also explains how having lifetime income can help eliminate the fear of running out of money and outspending your retirement savings!
Kiplinger warns that those of us approaching retirement are facing a “perfect storm”: Low interest rates and high inflation … the combination of which will force us to take on more market risk than we’re comfortable taking. How do we navigate that perfect storm? Hear Steve discuss his bucket approach and how he can help you not run out of money!
If you’ve been married for any length of time, you know that disagreements come with the territory. But some disagreements are more serious than others. Wall Street Journal’s Anne Tergesen says that’s especially true when it comes to deciding how much risk to take with the family nest egg. Steve explains how his bucket approach allows for open communication with couples and how he makes sure that everyone is happy and content with the customized plan he puts together for them.
According to Investopedia, if inflation is running at 3% it will eat up 50% of your savings and buying power in just 24 years. We are seeing hyper inflation now more than ever with little signs of slowing down, so what can you do NOW to protect your money if you are currently in or near retirement?
Hear Steve discuss his overall approach to helping you protect and grow your money - you don't have to be afraid of the inflation monster!
Then, Steve explains how his tools and strategies can help create income that you can't outlive when the paycheck stops! When should you take your Social Security? Is there a chance SS could disappear? Listen Now!
One of the best things about retiring is that you’ll spend less on things like clothing and commuting. But The Motley Fool says retirees are often surprised to find that some of their expenses actually increase. Steve discusses some expenses many retiree's forget and how his bucket approach can help you plan for these expenses and most importantly, not run out of money!
If you had to guess – right now – how long do you think you’re going to live? According to the annual “Retirement Readiness Survey,” the average American expects to live to the age of 84. But actuaries say about a third of today’s 65-year-olds are going to live longer than that … to 90, or beyond! The point is that none of us know for sure how long we’re going to live, but it could be a lot longer than we think. So, how do we account for that unknown variable in our retirement planning?
Steve had the opportunity to sit and chat with NBA legend John Starks! Hear John's talk about being a "grinder" in the game and MORE!
When the market is doing well – like now – do you tend to get a little complacent? An NYU finance professor told Business Insider that investors have become “sloppy and lazy.” He said people think that making money is easy … and he warned that the markets have a way of “fixing” that kind of thinking very quickly. Is it dangerous to assume that investing in the markets is always the best way to go? Hear Steve weigh in and share his ideas and strategies to help you protect and grow your assets in the market!
Of the different generations, Fidelity says it’s baby boomers who are the most over-invested in stocks. Hear one listener tells us why he thinks he’s supposed to be in the market, even though he admits to being a little nervous! Then, don’t we have to take big risks if we want the big reward?
Steve had the opportunity to chat with the one, the only, Lawrence "L.T." Taylor! L.T shares some behind the scenes secrets from the film "Any Given Sunday" and tells Steve who his favorite "Bill" is - Belichick or Parcels! Listen now to find out!
Forbes magazine makes an interesting point: One retiree could have a $250,000 nest egg and never worry about money. But another might retire with two-and-a-half million dollars and run out of money in just a few years. Do you have some kind of a process you go through to help us understand how much we’ll need … and how to make sure we’ll be okay?
Kiplinger says Roth accounts are a “no-brainer” for young people. But for those of us who are a little older, it says we should “slow our roll” and get some advice from a professional. What sorts of things do you consider when you’re helping a client decide whether a Roth rollover makes sense for them?
If you’re serious about your financial well-being, there are certain things you need to have taken care of, by certain ages. And MSN Money says – by the time you’re in your 60s – you need to have an estate plan in place. But if I’m not Bill Gates or Elon Musk, why do I need an estate plan – can’t I just tell my spouse and kids who gets what?
Over the course of your lifetime, how much money would you guess you’ll have paid in taxes? USA Today says – if you add it all up – the average American pays Federal, state, and local governments more than half-a-million dollars! Now, imagine if you could somehow save just a little more on your taxes each year and keep that money for yourself. I’m guessing that would be worth looking into, right? So, is that doable?
True or false: Chocolate milk comes from brown cows. Even if you’ve never set foot on a farm, you should know that’s false … but it’s a myth that 16-million Americans believe! So, you can imagine the kinds of myths people believe about retirement. For example – Fidelity found that more than a third of American couples believe $100,000 will be enough to cover their healthcare costs throughout the course of their retirement. The real cost is three-times that amount! How do we make sure we can afford that – along with the costs of any long-term care we might need?
Hear why NFL legend Emmitt Smith gave Steve a hard time, what it means to be on a winning team, and why its important to "draft" people that see beyond the game itself!
I think he's onto something here, if the "game" means the working world, you have to be able to look beyond that to see what your retirement will look like - and that's where Steve comes in! Steve can get you to the end zone for the winning retirment TOUCHDOWN!
Congress has approved trillions of dollars in stimulus spending, which is pushing interest rates a little higher. And fund manager Dan Niles tells Fox Business that’s eventually going to affect the value of your retirement portfolio ten to twenty percent! Steve explains how he can help you protect your money!
President Biden is proposing major tax increases – but he insists they’ll be limited to corporations and rich people. Who is likely to be hit hardest by these “limited” taxes and is there anything we can do about that?
Steve had the opportunity to head out to Pebble Beach to hang with some big time celebs and hit the famous golf course. Steve was so excited to sit down with the stars of the 90's sitcom, Tim "The Tool Man" Taylor (Tim Allen) and Al Borland (Richard Karn) to talk tools, favorite career moments and MORE!
Congress has approved trillions of dollars in stimulus spending, which is pushing interest rates a little higher. How will this impact your retirement accounts? Steve explains how his planning strategies can protect your income from Uncle Sam.
President Biden has proposed some tax changes that are headed our way - what will this mean for you and your finances? Steve talks about how his tools and strategies can help protect you from these tax changes if you are first entering retirement OR if you are already retired. Then, is it possible to have a TAX FREE Retirement? Steve discusses this as well as how he can help provide you income for life!
It’s tax time again and we’re all looking for ways to save. One way of doing that is by contributing to a Roth IRA. But what if you earn too much to do that? Steve talks about if there other ways you could show people how to potentially reduce their tax liability?
Steve discusses his 4 bucket strategy and how it can help you not only replace your paycheck when you stop working but give you that added peace of mind with lifetime income.
When it comes to claiming Social Security, The Motley Fool says there are certain mistakes that couples tend to make. Steve discusses some common mistakes that could cost you big time!
A question from The Motley Fool: “Should the average retirement saver buy an annuity?” Their answer? “It depends.” Not very helpful, right? So, what does it depend on?
A new year brings the threat of new problems – created by Congress. Morningstar asked IRA expert Ed Slott if we need to be worried about a tax increase. His answer? Follow the numbers!
Hear Steve's approach to a tax free retirement and you can protect your retirement accounts from Congress!
When you retire does the need for the paycheck end? No. Then how do you create that paycheck? Will I run out of money? Did I do enough?
These are all very common questions. The good news is, Cape Cod's Retirement Income Specialist, Steve Anzuoni has the answers! What if you never had to worry about income ever again? You always knew the money was going to be there?
Find out how Steve can make this happen for you today! Call Steve Now!
There are so many decisions to make when you decide to retire; when do I take my social security? What do I do with my 401k? What about my pension? Plus, did you know that Steve has tools and strategies where you can be invested in the market BUT, you are protected when the market goes down? (Yes, you read that right.) The overall goal is to accumulate savings and then when you retire, turn it into income that you can’t outlive. Steve Anzuoni, Cape Cod’s retirement income specialist, has over 30 years of experience and he can help you cross the retirement finish line with flying colors!
You know the old saying, "If it ain't broke, don't fix it?" Well, there are some things that can stand the test of time. But, then there are things that need to be re-evaluated as time goes on. On todays episode, Steve discusses some common retirement planning beliefs that don't hold up so well in todays world!
- My Expected Lifespan Is 75-85 Years. Yes, the average life expectancy is in this range, but that’s irrelevant to any one person. Half the people will live longer than the median, and you’ll hope to be part of that group. The chances of you dying at an “average” age are slim.
- I’ll be in a lower tax bracket when I retire. We have a serious debt and spending problem, so the odds are good that tax brackets will be rising instead of falling. Also, remember that the tax-deductible money you socked away in your 401(k) will become fully taxable during retirement.
- My overall expenses will be lower in retirement. Some expenses may be lower, but others will be the same or even higher during retirement. For example, as you age, your health tends to decline, so you could face higher medical bills.
- I won’t outlive my money if I withdraw 4% a year. Anything could happen that might give you no other choice but to withdraw more than your planned 4%. Treat the 4% rule as a general guideline, and always prepare for the worst.
- I’ll live off my pension. Many state pension plans are underfunded and that could affect your retirement income. If your employer goes bankrupt, the Pension Benefit Guaranty Corporation protects your pension. But it’s possible you might not get every dollar you expected.
Contact Steve today for a complimentary Portfolio Analysis to make sure YOU'RE on track with your retirement income planning!
Regardless of how you feel about the election results, there’s a good chance your tax rates will be going up in 2021. But IRA expert Ed Slott tells Yahoo Finance it’s up to you to decide by how much. I think we’d all like to “take control” of our tax rate – but how is that possible?
Then, Market Watch says three-fourths of all investors manage their own finances. But when you narrow it down to just the “wealthy” investors, two-thirds of them use a financial advisor. So, the question is … do the wealthy use an advisor because they’re wealthy, or did the advisor help them become wealthy?
Sometimes, we talk about the “myths” of retirement. And Forbes says one of the most common ones is that we’ll be in a lower tax bracket, when we quit working. That certainly seems to make sense – why would it not be true?
Then, how much weight do you put on your financial decisions based on who is in the White House? How will this upcoming election impact you, your money and your retirement?
Interested in income for life? Then contact Steve today for a complimentary Portfolio Analysis to make sure YOU'RE on track with your retirement income planning!
To make sure your body is healthy, you go to the doctor for regular physicals. And to make sure your car is healthy, you go to a mechanic for regular maintenance. But what are you doing to keep your pocketbook healthy? How long has it been since you had a financial check-up? How long since you sat down with a financial advisor for a retirement review? Staying financially fit is one of the keys to building a successful retirement!
Every so often, the government puts banks through a “stress test” to make sure they can make it through severe economic downturns. An article in Forbes says we should do the same thing with our retirement portfolio, should we?
Meet with Steve today for your customized stress test for YOUR portfolio! CLICK HERE TO SCHEDULE !
We’re all asking the same questions these days: The first one is, “Who will be our next president – Trump or Biden?” And the second one is, “How will that affect me?” But does our retirement future really depend on what happens in November, or is it more about the preparations that we’re either making – or not making?
Hear how Steve can help you & your financial plan be prepared for no matter who is in the White House OR what happens to the market - Call Steve today!
Did you know there is such a thing as lifetime income that you can't outlive? And, when it comes to putting your income together, do you need one big pile of money or different buckets of money?
Hear Steve explain his process, and how he can help you design an income plan to get you TO and THROUGH retirement!
Want to see what Steve can do for you? Call him today !
Meet Steve Anzuoni, Cape Cod’s very own Retirement Income Specialists! You’ve worked hard for 40-50 years, now it’s time to take that pile of money and see how long it will last and how much income it will produce. Steve’s rule is simple, DON’T LOSE THE MONEY! Make that transition from accumulation mode to income mode and see how your savings can replace that paycheck you’ve been used to receiving. Let Steve help you go from the office, the golf course with added sleep insurance.
Once you retire, the paychecks stop – right? Yes, but, it’s important to remember that even after you leave the working world, you need income to replace the savings that you are now using. Would you rather have a plan that says “maybe the money will be there” or “the money is guaranteed?” Clearly, guaranteed! The question is, how can you do this? In the end, we want INcome not IFcome and the good news is Steve can create a sound income plan you can’t outlive!
Football is finally back! And there’s an old saying, “Offense wins games, but defense wins championships.” Best-selling financial author Patrick Kelly says the same can be true for your retirement strategy. But how do we keep from “giving up points” when it comes to our nest egg?
Steve talks about his strategy for creating buckets of money and how he can help protect and grow your nest egg. Every plan that Steve puts together is customized, NOTHING is cookie-cutter.
Give Steve a call today with any questions, concerns, doubts or even fears when it comes to your retirement. Remember, a Complimentary Consultation is FREE!
The #1 fear in retirement, is running out of money – how can we avoid this? One of the tricks to planning a successful retirement is to figure out how much money you can safely withdraw from your nest egg, without running out. One of the simpler ideas is to plan on taking out the equivalent of what your RMD’s (required minimum distributions) would be. Does this work or is there a better way? Do you know the foundation of your retirement plan? Steve, Cape Cod’s Retirement income Specialist, identifies creative strategies to help you not run out of money and explains how you can maximize your income in retirement while checking off those bucket list items!
Have you heard of the "A" word when it comes to financial planning? ANNUITY! What is it? Can it help you? Can it hurt you? How do you know if an annuity is for you?
As Cape Cod's Retirement Income Specialist, Steve uses his more than 3 decades of experience to create a solid income plan for you where you DON'T run out of money, no matter what happens on Wall Street.
Find out if an Annuity is right for you! Give Steve a call today with any questions, concerns, doubts or even fears when it comes to your retirement. Remember, a Complimentary Consultation is FREE!
Yes, all money is green but did you know you have to assign it a purpose/color?
Steve explains the different colors of money that you need, what they mean and why you need it. Find out what part of your money is red, green, and blue.
If you understand your money and how it works, you retire with confidence. First, you need a PLAN. If you don't have a plan, its a plan to fail.
Contact Steve today for a virtual appointment!
If you have left a job, been laid off or furloughed, what do you do with your 401K? Steve discusses the best options available and the pros and cons of each.
If you have questions about your 401K or planning for a successful financial future - contact Steve today!
Sometimes, we talk about the “myths” of retirement. And Forbes says one of the most common ones is that we’ll be in a* lower *tax bracket, when we quit working. That certainly seems to make sense – why would it not be true?
• It makes sense why people believe this. They don’t see themselves paying more in taxes because they’re no longer earning money; rather, they’re now living off what they’ve accumulated over a lifetime. And with their income being lower than it was during their working years, the amount they’ll owe to the IRS will be less, right?
• For a short time after they finish working, many successful retirees typically are in a lower tax bracket. But that window can shut quickly. Once required minimum distributions (RMDs) kick in, in combination with other forms of income (investments, social security, pensions, etc.), successful retirees will quickly move into an equivalent tax bracket as they were in during their working years. They may also be pushed into Medicare surcharges and other ancillary tax.
• By their mid- to late-70s, it’s not uncommon to see these successful retirees be in even higher brackets than they were during their working years—a far cry from what they envisioned.
Interested in a Tax Free Retirement? Then contact Steve today for a complimentary Portfolio Tax Analysis to make sure YOU'RE on track with your retirement income planning!
They're calling 2020, "the year of cancelled." Graduations, weddings, vacations and even professional sports! Even with all of that, you're retirement is NOT cancelled!
Did you know that roughly 68 million Americans are changing their retirement plans because of COVID-19?
According to a new Edward Jones and Age Wave study , 29% of Americans say they'll retire later than initially planned, citing a need for more income as a main driver.
On the other hand, 10% of people now say they'll retire earlier. The question is: Should you change your retirement plans in light of the pandemic?
Steve explains how he can help you retire early because you want to, because you were forced to or just because it's THAT TIME!
Interested in income for life? Then contact Steve today for a complimentary Portfolio Analysis to make sure YOU'RE on track with your retirement income planning!
Over the course of our lives, we ask and answer many of the same questions: Are we there yet? It’s how much? Where do you want to eat? And finally, when can I retire? Steve discusses some other frequently asked questions you get about retirement!
Get YOUR questions answered today and contact Steve today for a complimentary consultation!
It's been a crazy year hasn't it? Steve has been busier then ever helping many clients and listeners during this crisis making sure they are well positioned and protected. These days, with so much uncertainty, it's understandable that many of us are dealing with anxiety on many levels. Anxiety about our job, our money, Covid-19, the election - you name it!
One of the most common questions Steve is asked is, "What is the stock market going to do next?" Unfortunately, no one has a crystal ball. So, whats Steve's response top questions like - "Is the stock market is poised for a 40% drop?" One economist says the current climate feels a lot like 1929. Steve explains his strategy of "buckets of money" to reach the ultimate goal of creating income for life, and protecting yourself from when/if the market goes down.
For 30+ years, Steve has helped people JUST LIKE YOU work through those financial anxieties, put a solid income plan together, and enter retirement on your terms with confidence. Call him today and schedule a complimentary Portfolio Review!
On today's episode, Cape Cod's Retirement Income Specialist (Steve Anzuoni) gives you a timeline of event since January 2020 of MAJOR changes to retirement planning, and explains how it could impact you!
In December, we told you about “The Secure Act." It changed the RMD age from 70 ½ to 72 and eliminated the stretch IRA.
In May, we told you about “The Cares Act. ”Which waved RMDs for this year and allowed you to take money from your 401(k) before 59 ½ with no penalty.
What about the proposed Trump plan to allow you to tap into your Social Security early for emergency money?
This week I introduce you to the proposed “Savers Act” that would allow you to triple the amount you contribute to you IRA or 401(k) for 2020.
AND “Cares ACT 2” that would move the RMD age up again…this time to 75!
This has all happened in 6 MONTHS! How is anyone supposed to keep up with all this? Steve, Cape Cod's Retirement Income Specialist weighs in on these topics and more!
Contact Steve today for a complimentary Portfolio Analysis to make sure YOU'RE on track with your retirement income planning!
Ever think these questions to yourself?
- How can you build a strong financial blueprint?
- How can you have money coming in every month?
- Is it possible to REALLY never run out of money?
- How do I start putting a plan together?
- Am I being too risky in my 401k? (what do my investments look like in my 401K?)
- Will Social Security be enough?
If ANY of these questions have crossed your mind, then you're in the right place. Steve Anzuoni, "Cape Cods Retirement Income Specialist" of Fairway Financial CAN HELP YOU!
There is so much information out there - it can be overwhelming! For example, when is the last time you bought a TV? You start off by thinking "I just need to get an updated flatscreen." When you get to the store - there are 20+ options to consider! Think of that when you start to put a plan together for your retirement. There are so many options, moving parts and decisions BUT Steve is here to walk you through each step of the way! Oh, and just in case you are wondering - no income plan is the same, everyone's situation is different!
Call Steve today to setup a complimentary Portfolio Analysis! *This meeting can be over the phone, or a virtual appointment or in the office. CALL TODAY!
On the 4th of July, we celebrate Independence Day. What should people be focused on to achieve financial independence? As a Retirement Income Specialist, Steve explains how he can get you income for life and more!
Call Steve Today for a FREE consultation over the phone, a ZOOM meeting or in person!
There has been LOTS of changes to retirement planning in the last 6 months! Steve discusses and explains these changes and what it means for YOU and YOUR retirement!
In December, we told you about “The Secure Act.” It changed the RMD age from 70 ½ to 72 and eliminated the stretch IRA.
In May, we told you about “The Cares Act." Which waved RMDs for this year and allowed you to take money from your 401(k) before 59 ½ with no penalty.
What about the proposed Trump plan to allow you to tap into your Social Security early for emergency money?
This week I introduce you to the proposed “Savers Act” that would allow you to triple the amount you contribute to you IRA or 401(k) for 2020.
AND “Cares ACT 2” that would move the RMD age up again…this time to 75.
This has all happened in 6 MONTHS! How is anyone supposed to keep up with all this?
Call Steve today and receive a COMPLIMENTARY Portfolio Review! Now is a great time to look at where and what you're invested in, and what it is or isn't doing to contribute to a successful retirement. Plus, how will these big changes we discussed today impact your retirement?
Now is a great time to take inventory of your finances. Some financial checklist items are your beneficiaries updated on your life insurance, your will, your financial accounts, your IRAs?
Organize your statements - online or paper statements.
Do you have a trust and is it up to date?
Do you keep track of all your usernames and passwords for online accounts? Did you know you can password protect YOUR usernames and passwords? This is very important if your family members needed personal financial information.
Call Steve today to receive the "Guarding Your Legacy" its a great checklist for you that has details on passwords/usernames, where important paperwork is and more!
Plus, changes to The Secure Act that could impact YOU and YOUR retirement!
Call Steve and setup a phone call or virtual meeting today!
We all just want to go back to "normal," right? Seems what we are living today is our "new normal." So what can we do to better position ourselves for when the economy goes up and (hopefully) soon fully recovers? Steve explains why his tools and strategies can help you make sure you are in the right position today and tomorrow, no matter what the market is doing.
Steve is holding meetings via phone and ZOOM meetings. Call today, start the conversation. You can't help what comes in the future, but you CAN help what happens to you AND your MONEY in the future.
Contact Steve today!
USA Today says Americans are more concerned about what the corona virus is doing to the economy, than about how it might affect their health. Clearly, we need to take the health warnings seriously, but do you really think we’ll bounce back from this historic financial damage?
Contact Steve today for a phone consultation or a virtual meeting!
Nearly three-fourths of the people surveyed by the website FinanceBuzz say they’re worried that the country is headed for a recession – and a fourth of them say they’re “not optimistic” about their personal financial future. It’s looking kinda grim - is it time to go into “financial hiding”? Studies show that those who have guaranteed money coming in every month are happier in retirement. Do you have guaranteed income in your retirement plan?
Steve explains his bucket approach and how it can help you build a strong and steady retirement. Plus, the "A" word that can guarantee you income!
Reach out to Steve today to a phone conference or a virtual meeting!
What's going on with your money? You can sit out the Corona Virus at home, but you can't sit out on what's happening with your money. Do you know how much risk you are taking in the market? Do you know how much you may have lost in the past week or so? Do you stay where you are? Take your money out of the market? Reposition yourself into a better safe zone? Steve discusses these options and more on this weeks episode.
Plus, if your plan was to retire in 2020, is it too late now?
Steve is offering phone conferences as well as virtual meetings during this time of social distancing, contact Steve today!
The Corona Virus has taken our economy by storm causing lots of market volatility. Do you know how it is currently or will impact your money? Steve discusses ways to keep you and your money protected in a volatile market. Let Steve help you and be the calm to this storm. Call today to schedule a time to speak with Steve over the phone or set up a video call.
It's the biggest piece of retirement legislation in decades and could cost you BIG TIME! We're talking about The Secure Act President Trump signed into law in Jan. 2020. If you don't know how it will impact you and your finances, you could lose MAJOR CASH! Steve explains what changes you need to be aware of and most importantly, how to be most tax efficient and create a legacy for your heirs.
Major Changes of The Secure Act:
- It’ll require inherited IRAs to be depleted within 10 years.
- It’ll increase the age for required minimum distributions from 70½ to 72.
- It’ll eliminate the prohibition on traditional IRA contributions for those age 70 ½.
70% of baby boomers say one of their top fears is the cost of healthcare, the #1 fear being running out of money in retirement. According to a Motley Fool article, it's estimated that healthcare will cost the average healthy 65year-old couple today … OVER $387,000 throughout retirement. That's a lot of money to shell out, especially since it DOESN’T account for long-term care. Hear how Steve can help YOU prepare for the rising cost of healthcare while not shattering your nest egg.
How can you reduce your anxiety of replacing that paycheck when you enter retirement? First, you need an income plan in writing, so you can see where you money is going. What if I told you there is a special tool in Steve’s financial toolbox that can allow you to NEVER run out of money for as long as you live? Oh, and yes you can still be invested in the market with this tool, the best part is you’re protected when the market takes a dive. If you want that mailbox money, that money that will replace the paycheck you’ve been getting 40+ years, take the time to educate yourself alongside Steve Anzuoni of Fairway Financial. With over three decades of experience, Steve prides himself on creating successful income plans for his clients and providing them that added piece of mind knowing they’ll never run out of income. Meet with Steve today!
The #1 fear about planning for retirement is running out of money. Turns out, the best way to avoid this is to work with a professional.
Meet Steve Anzuoni, of Fairway Financial ! Steve has over three decades of experience and can help you put the puzzle pieces to your retirement together. Starting is the hardest part right? Steve makes it simple, stress free and calls it “the shoe box meeting.”
Bring in your statements, opened or unopened, or if you have that box of paperwork, bring that along as well. This is the first step. Steve will demonstrate his strategies and tools that he can implement with your plan to help you create a successful income plan for your retirement. The goal is the create a plan that coordinates all branches of your retirement plan – taxes, SS, healthcare and more. The best part – your financial story will be on no more than 2 pages!
Everyone’s situation is different, so come in and meet with Steve today !
Only 11% of baby boomers having over $500K saved for retirement, 31% of boomers say they’ll work past 70 and 25% of them have not calculated their retirement goals. These numbers are staggering! In an attempt to warn baby boomers, Market Watch put together a list of the “7 Deadly Sins of Retirement Planning.” In this episode, Steve takes a deep dive into this list of sins and mistakes, explains how you can avoid them as well as offer you solutions for a better, more confident retirement.
As we approach the end of the year, are there specific things we should be doing now to have a better 2020? Why it’s important to be proactive not reactive, when you should meet with your accountant and the most overlooked opportunities that Steve see’s and how he can help you avoid making this same mistake. Experience is priceless, with 32 years of experience, Steve’s successful strategies and resources, he can help you reach your retirement goals.
For 32 years Cape Cod’s Retirement Income Specialist Steve Anzuoni has helped many people just like you retire with confidence and lifetime income! Steve has developed a simple, easy to understand formula that uses more common sense and allows you to sit back and evaluate your situation. Most importantly, you’ll actually understand it! Steve puts together every plan from scratch geared to the people/persons he is working with, nothing is cookie cutter when it comes to income planning. Steve explains the four buckets of money you need for retirement, how he can help you understand your money and most importantly, how his strategies can help you confidently cross that retirement finish line!
A recent survey by TD Ameritrade found that 58% of Americans think $1 million will be enough to last through retirement. In this episode, Steve discusses an article from Barron’s magazine about a couple who planned to retire in their early 60s. They told their advisors that they’d saved a million dollars, so they felt that were in pretty good shape. The problem is, they were spending about $17K a month, which means they’d run out of their savings in less than five years! When it comes to your retirement, its crucial to do the math! You want INcome – not IFcome! Steve, Cape Cod’s Retirement income Specialist, explains why it’s not just about the lump sum you have, it’s about your other resources as well to help you have a successful retirement!
At least once a year, all of us have that annoying uncle at the dinner table right? I’m talking about Uncle Sam! The Motley Fool says one of the most common retirement mistakes people make is forgetting about taxes. But won’t our tax obligations decrease when we quit working? The answer may shock you! Plus, do you know the four types of money? For three decades, Steve Anzuoni, Cape Cod’s Retirement Income Specialist, has helped people just like you cross that retirement finish line while minimizing your taxes and maximizing your income!
In August of 1935, FDR signed the Social Security Act into law. Today, nearly half of all retirees take their benefits as early as they can, which is age 62. BUT, did you know that if you wait until you’re 70, you can almost double it? Social Security is the foundation of your retirement, you could be throwing hundreds of thousands of dollars out the window if you don’t claim right. With hundreds of different claiming methods, it’s important to talk with a professional, someone with over three decades of experience, Cap Cod’s Retirement Income Specialist – Steve Anzuoni!
You have car insurance right? What about life insurance? What about insurance for your retirement plan? The #1 fear of planning for retirement is running out of money. In this episode, Steve explains how you can ensure your retirement plan, protect your nest egg from a volatile market and create lifetime income.
Americans who are 55-64 have only saved 12% of what they need to fund a secure retirement – BIG MISTAKE! When planning for your retirement and creating that income plan, it’s important to “color in the lines,” and avoid mistakes. One small mistake, could cost you BIG! What is the biggest mistake one could make while planning for retirement? Steve explains and shares some of the most common mistakes made without the guidance of an experienced professional.
The #1 fear when it comes to retirement is running out of money, so how can you avoid this? On this episode, Steve explains his strategies on how he can turn your nest egg into lifetime income you can’t outlive. Plus, do you know the buckets and colors of money you need to retire? Get more details at www.fairwayfinancial.com!
Warren Buffett, chairman and CEO of Berkshire Hathaway is worth $84.2 billion dollars. If you’re like me, you’re thinking, “How did he do that? How can I do that?” It’s a question that many of us ask ourselves. Steve sticks to his rule (and Buffett’s) of rule #1, don’t lose the money – rule #2, see rule #1! See what separates the mega-wealthy from the rest of us and how Steve can help you have a successful, stress-free retirement.
The question most Americans ask Google is, “How much money do I need to retire?” We all wonder that, right? Here’s the deal, there’s not a “secret sauce” or a “secret number” that works overall because everyone’s retirement is different. Remember, retirement planning and income planning is NOT cookie-cutter. The first step is to begin the conversation, see where you are today, where do you want to be in the future and then, what do you need to do now to bridge that gap to have a happy, confident retirement. How does guaranteed income sound? What should you do with your old 401(k) or IRA? Steve can help you today!
10 most-asked retirement questions, past year U.S.
1. How much do I need to retire?
2. How to retire early
3. When can I retire?
4. What is the retirement age?
5. How much to save for retirement?
6. How to save for retirement
7. How to retire at 50
8. How to retire
9. What is full retirement age for Social Security?
10. Where to retire
Do you think your taxes will go up or down when you retire? If you’re thinking they’ll go UP – then you would be correct! If you’re ahead of the game and have a plan, it can help you plan for future taxes. You have to proactive when it comes to taxes or you may be in for a big (no so fun) surprise! The same process you use saving for retirement is the same process you should use for saving for taxes. How can you maximize your taxes in retirement? Did you know you could have a tax-free retirement? Be in control of your retirement, talk with Steve today!
Not having a plan is a plan to fail. The #1 fear of retirement is running out of money, so how can you avoid that? Many people think that just having a 401(k) or an IRA is a plan – NEGATIVE! A plan is the process of putting together the savings you’ve accumulated to reach a desired income. The investment is a “holding pen” where the money is, a plan puts the money in action. As you get closer to retirement, you have to focus more on income vs investments due to time needed to make up for any losses. It’s all about the plan, the goal, the objective.