Retirement Talk with Kevin Bock: Recent Episodes
Kevin Bock
When you think about the next 30-40 years of life, what do you see? Are you happily retired, checking items off your bucket list? Or are you struggling to pay your bills? If you don’t have a plan for retirement, you’re already behind! Kevin Bock, of Integrity Retirement Solutions, uses his three decades of experience to help people just like you cross the retirement finish line with the confidence that comes from having a customized income plan. When planning for your financial future, there are so many moving parts: income planning, tax planning, healthcare planning and legacy planning, just to name a few. It’s important to educate yourself and to work with a professional. Welcome to Kevin’s podcast, “Retirement Talk with Kevin Bock”!
Join Kevin for his weekly radio show, "Retirement Talk with Kevin Bock" Saturdays @ 9:30am on Talk Radio 1320 WJAS!
In this episode of Retirement Talk Podcast, Kevin discusses the essential elements of retirement planning, emphasizing the importance of a comprehensive strategy that includes tax management, social security considerations, and the six pillars of a successful retirement. He addresses common misconceptions about retirement savings, the necessity of planning for potential risks, and the importance of having a clear financial roadmap to ensure a secure and fulfilling retirement.
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In this episode of Retirement Talk Podcast, Kevin talks about the current market volatility, inflation concerns, and the importance of having a solid retirement plan. Kevin emphasizes the need to reduce uncertainties in retirement planning, focusing on guarantees and preparing for potential market downturns. The conversation also highlights critical estate planning mistakes, such as failing to designate beneficiaries, and the necessity of comprehensive planning that includes taxes, healthcare costs, and legacy considerations.
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In this episode of Retirement Talk, Kevin discusses the importance of understanding client needs and providing education in financial planning. He addresses the current economic climate and the potential for a recession, emphasizing the need for a comprehensive retirement plan that includes income, tax, and legacy planning. Kevin highlights the significance of financial freedom and the ability to create lasting memories with family while also ensuring a responsible legacy for future generations.
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In this episode, Kevin discusses the comprehensive approach to retirement planning through the Six Pillars of a Successful Retirement. He emphasizes the importance of tax planning, healthcare considerations, and legacy planning, while also highlighting the value of working with a financial advisor to navigate these complex areas effectively.
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On this episode, Kevin discusses his recent experience at the Country Radio Seminar (CRS) and interviews country artist Russell Dickerson. The conversation then shifts to the economic landscape, focusing on tariffs and their potential impact on inflation. Kevin emphasizes the importance of having a comprehensive retirement plan to navigate these changes, especially in light of potential social security cuts and inflationary pressures. He encourages listeners to be proactive in their financial planning to ensure a secure retirement.
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On this podcast episode, Kevin discusses the six pillars of retirement planning, emphasizing the need for a coordinated approach to financial advice. He highlights the importance of tax planning, healthcare considerations, and creating a comprehensive income plan to ensure a successful retirement. Additionally, he addresses the significance of finding purpose in retirement and how proper planning can alleviate concerns about financial stability and legacy.
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In this episode, the discussion revolves around essential strategies for retirement planning, focusing on tax reduction, healthcare costs, long-term care, the validity of the 4% withdrawal rule, and managing income amidst inflation. Kevin shares real-life examples of clients who successfully reduced their taxable income and emphasizes the importance of having a comprehensive plan to address healthcare expenses and long-term care needs. The conversation also critiques the traditional 4% rule for withdrawals in retirement, suggesting that a more personalized approach is necessary for financial security.
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Kevin discuses the complexities of Roth conversions, the implications of taxes on retirement income, and the importance of legacy planning. He emphasizes the need for personalized strategies to optimize retirement savings and protect inheritances from excessive taxation. The conversation highlights the significance of comprehensive retirement planning that includes discussions about generational wealth transfer and the potential impact of inheritances on Medicare premiums and tax brackets.
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Kevin discusses the intricacies of Required Minimum Distributions (RMDs) and their implications for retirement planning. He emphasizes the importance of strategic planning to minimize tax burdens and explores the evolving role of bonds and indexed annuities in retirement portfolios. The conversation also highlights the significance of understanding the sequence of returns and how it affects retirement income strategies.
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In this episode, the discussion revolves around essential aspects of retirement planning, including the significance of year-round tax planning, understanding investment returns, protecting assets, and preparing for long-term care. Kevin emphasizes the need for proactive strategies to ensure financial stability and security in retirement, addressing common concerns and misconceptions about tax preparation and market timing. The conversation also highlights the importance of personalized financial planning and building a relationship with a financial advisor.
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In this episode of Retirement Talk, Kevin discusses the importance of having a diverse portfolio for retirement planning, especially in light of market volatility. He emphasizes the need for guaranteed income through annuities and explores tax planning strategies to maximize savings. The conversation also delves into legacy planning and the dynamics it can create within families, as well as best practices for estate planning to ensure a smooth transition of assets.
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In this episode the discussion revolves around the new year and the opportunities it brings for retirement planning. Key topics include tax planning for 2025, understanding market volatility, the impact of healthcare costs on retirement, the importance of tax planning, and the role of annuities in providing guaranteed income. The episode emphasizes the need for a comprehensive retirement plan tailored to individual needs and the importance of understanding the financial landscape as one approaches retirement.
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Kevin discusses various aspects of retirement planning, including market predictions, the importance of cutting unnecessary expenses, and the need for comprehensive financial planning. Kevin emphasizes the significance of understanding individual needs and goals, as well as the necessity of proactive planning to ensure a secure and fulfilling retirement.
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In this episode of Retirement Talk, Kevin discusses essential strategies for retirement planning, focusing on tax strategies, market dynamics, personalized planning, and the importance of guaranteed income. He emphasizes the need for a comprehensive approach to retirement that considers taxes, healthcare costs, and individual financial situations.
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Kevin discusses essential strategies for withdrawing funds during retirement, the emotional transitions that come with retirement, and the importance of comprehensive planning that includes managing 401k fees and healthcare considerations. He emphasizes the need for a holistic approach to retirement planning, ensuring that individuals are prepared for both financial and emotional aspects of this significant life change.
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In this episode of Retirement Talk, Kevin discusses essential strategies for tax loss harvesting, the importance of estate planning, and how to create a legacy that aligns with personal values. He emphasizes the need for a holistic approach to retirement planning, including income strategies, tax minimization, and preparing beneficiaries for their inheritance. The conversation highlights the role of financial advisors in guiding clients through these complex topics and ensuring they have a comprehensive plan for their future.
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Episode Takeaways:
- The national debt is over $35 trillion, impacting future taxes.
- Tax planning is essential for managing retirement savings.
- Many Americans feel behind on their retirement goals due to financial pressures.
- A comprehensive retirement plan should address debt management and savings strategies.
- Year-end financial checklists can help optimize tax strategies.
- Equity indexed annuities can provide protection against market volatility.
- Understanding market trends is crucial for retirement planning.
- Long-term care planning is often overlooked but essential for financial security.
- Legacy planning should minimize taxes and legal fees for heirs.
- Proactive financial planning can alleviate anxiety about retirement.
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In this episode, Kevin discusses the complexities of retirement planning, emphasizing the importance of comprehensive strategies that encompass not just financial assets but also healthcare, taxes, and estate planning. He addresses common fears and misconceptions that lead individuals to delay important decisions, particularly in uncertain times. The conversation highlights the need for a holistic approach to retirement, ensuring that clients are prepared for market fluctuations and have guaranteed income streams. Additionally, Kevin stresses the significance of estate planning as a crucial component of a well-rounded retirement strategy.
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In this episode, Kevin discusses the critical aspects of retirement planning, emphasizing the importance of being proactive in the face of upcoming changes in tax legislation, social security, and required minimum distributions. He highlights the need for comprehensive planning to navigate potential risks and market volatility, and the role of tax planning in maximizing retirement income. The conversation underscores the significance of having a well-rounded approach to retirement that includes legal, tax, and financial considerations.
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In this episode, Kevin discusses the psychological phenomenon known as the October Effect, which suggests that stock market crashes are more likely to occur in October. He emphasizes the importance of understanding risk in retirement planning, particularly the need for a guaranteed income stream and the potential benefits of fixed indexed annuities. The conversation also explores the balance between data and emotions in financial decision-making, highlighting the significance of comprehensive retirement planning that considers taxes, legacy, and long-term care needs. Ultimately, Kevin stresses that knowledge alone is not enough; taking action based on that knowledge is crucial for securing a stable financial future.
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In this episode, Kevin discusses the importance of having a comprehensive retirement plan beyond just relying on 401(k)s. Kevin emphasizes the need for guaranteed income streams, the impact of interest rates on retirement savings, and the significance of tax planning. He also addresses the critical issue of long-term care and the financial implications it can have on retirement savings.
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Kevin discusses the importance of planning for retirement, focusing on hybrid life insurance for long-term care, strategies to create an inflation-proof income plan, and how to establish a personal pension from 401(k) savings. He emphasizes the need for financial security and the impact of inflation on retirement savings, providing insights into guaranteed income options and tax planning for a secure retirement.
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Today's episode discusses the 4% rule in retirement planning and its limitations. It emphasizes the importance of having control over spending and the need to work with a financial advisor who understands the costs and challenges of aging. Kevin highlights the lack of reliable information on the internet and the importance of seeking advice from qualified professionals. It touches on the need for long-term care planning and the potential financial impact of healthcare expenses in retirement. The conversation concludes by mentioning the options for creating guaranteed income and the importance of understanding annuities.
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Kevin emphasizes the need for coordination among various financial professionals to ensure a holistic approach to retirement planning. Kevin highlights the Pillar Planning Process, which covers income needs, assets, taxes, healthcare, legacy planning, and legal considerations. He also addresses the challenges of inheriting money and the importance of educating beneficiaries on how to manage their inheritance wisely.
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In this episode, Kevin discusses various topics related to retirement and financial planning. He emphasizes the importance of not making investment decisions based on election outcomes and instead focusing on long-term financial goals. He also talks about determining the amount of money needed for retirement and the importance of creating a personalized retirement plan. Additionally, Kevin discusses estate planning and leaving a legacy, the impact of inflation on retirement savings, and the misconceptions about claiming Social Security benefits early. Finally, he highlights the reasons why clients choose to work with him, including his personalized approach and expertise in tax planning.
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Kevin discusses various topics related to retirement planning, including addiction to stocks, required minimum distributions (RMDs), annuities, social security, and legacy planning. Kevin also emphasizes the importance of understanding one's options and making educated decisions to minimize risk and maximize returns in retirement.
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Episode Takeaways:
- Having a plan in place for retirement is crucial to navigate market downturns and ensure financial security.
- Retirement planning should consider factors beyond money, such as healthcare expenses and guaranteed income.
- Variable annuities may not be the best option for retirement savings due to high fees.
- Having a purpose in retirement and staying active can contribute to overall happiness and fulfillment.
- Working with a knowledgeable advisor can help individuals make informed decisions and create a comprehensive retirement plan.
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Special guest, Sander Peterson, wrote a book called 'Reflections on Retirement in Year One' and shares his experiences and insights. The conversation covers topics such as the stages of retirement, the importance of having a plan, the role of a trusted investment advisor, and the need for intentional communication when retiring.
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Takeaways
- Tax planning is crucial during the accumulation period to minimize tax burdens in retirement.
- Rearranging income and utilizing strategies like charitable trusts can reduce taxable income and create tax-free income in retirement.
- Comprehensive guidance is important, covering areas like long-term care, estate planning, and tax planning.
- Changing advisors can be intimidating, but Integrity Retirement Solutions makes the transition easy and provides personalized, educational services.
- Annuities and guaranteed income can be beneficial for those with high spending relative to their assets and a desire for guaranteed income.
- Retirement should not be retiring into nothing; it requires purpose and fulfillment.
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Join Kevin Bock of Integrity Retirement Solutions on this special episode of Retirement Talk as he dives into the future of Social Security with David Dooley, creator of the Social Security Risk Score. In light of recent debates and looming changes, Kevin and David discuss the potential depletion of the Social Security trust fund by 2033, the likelihood of benefit cuts, and how these changes could impact your retirement. Learn about the factors influencing Social Security reforms, the importance of proactive planning, and strategies to safeguard your retirement income. Whether you're nearing retirement or already retired, this episode provides crucial insights to help you prepare for the uncertainties ahead.
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Kevin addresses the current political climate, the stock market, and the potential impact of the election on share prices. He emphasizes the importance of protection from market corrections and the need to make money work for retirement. Kevin also talks about the significance of interest rates and how they can affect retirement income. He highlights the value of refinancing retirement plans and offers insights into the first appointment with clients. Additionally, he discusses the importance of financial literacy and introduces a program called My Employer Cares that aims to educate employees about finances.
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While many of us turn to YouTube for DIY solutions to fix household items, attempting to manage your own retirement plan can lead to costly mistakes and missed opportunities. Kevin shares poignant stories, including a client who tragically worked longer than necessary because he misunderstood his retirement options. Kevin emphasizes the importance of professional guidance to secure guaranteed income, minimize taxes, and optimize your estate and legacy planning. Tune in to discover why working with a retirement specialist can ensure a secure and enjoyable retirement, and learn how Kevin’s comprehensive approach can address all facets of your financial future.
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In this episode, we dive deep into the intricacies of estate and legacy planning, a crucial yet often overlooked aspect of retirement planning. Kevin discusses the importance of staying informed about changing laws, such as the Secure Act, and how they impact your financial planning. Learn about common mistakes, like delaying will creation or relying on incomplete online documents, and discover the best practices for safeguarding your assets, including the use of durable powers of attorney and proper document storage.
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In this episode, we delve into the crucial aspects of income planning for retirement and the common mistakes to avoid. With over 35 years of experience, Kevin discusses the importance of understanding your income needs, creating a robust income strategy, and the benefits of professional guidance in retirement planning.
Discover the comprehensive "pillar planning process" developed by Integrity Retirement Solutions, which integrates estate planning, tax strategies, and income planning to provide a holistic approach to retirement.
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Kevin discusses the intriguing world of cryptocurrency with special guest, comedian Bill Murray. Listen to Murray's hilarious yet insightful take on Bitcoin ATMs and the broader implications of digital currency. Learn why a conservative approach might be best for your hard-earned savings and how working with a financial advisor can help you achieve a balanced and secure retirement plan.
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The conversation covers various topics related to retirement planning, with a focus on long-term care and annuities. Kevin emphasizes the importance of discussing long-term care options and planning for potential healthcare expenses in retirement. They also discuss the benefits of annuities and how they can provide guaranteed income for life.
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Takeaways from todays episode:
- The share of people working past the age of 65 has increased, and people over the age of 75 are the fastest growing group in the workforce.
- Having a sense of purpose in retirement is crucial for happiness and fulfillment.
- Retirement planning should include addressing healthcare expenses and long-term care.
- Working with a financial advisor can help uncover potential gaps in one's retirement plan and find solutions.
- Scheduling a retirement review can provide clarity and peace of mind.
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In this episode, Kevin discusses the startling statistics revealing the lack of retirement savings among Americans and the crucial need for financial education in retirement planning. With over 35 years of experience, Kevin emphasizes the importance of personalized, educational approaches to retirement planning, focusing on understanding clients' goals and concerns. He shares insights into the initial consultation process, highlighting the importance of gathering comprehensive financial information to tailor a holistic retirement plan. Kevin also addresses the challenges posed by misinformation on social media platforms like TikTok, urging listeners to seek trusted financial advice.
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In this episode, Kevin discusses the importance of starting retirement planning early, regardless of your age. He emphasizes the need for estate planning documents like wills and power of attorney, and explains how these documents can protect your assets and your family.
Kevin also dives into strategies for maximizing your income in retirement. He covers topics like:
- Guaranteed income options to protect against inflation
- Annuity reviews to see if you can get a better deal
- Rebalancing your portfolio to take advantage of high interest rates
- Legacy planning to ensure your wishes are carried out
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In a world where pensions are becoming scarce and concerns about retirement savings are on the rise, Kevin explores innovative solutions to ensure a stable income stream for life. Discover how to create a personalized pension-like income source that shields you from market volatility and inflation. Kevin shares success stories of clients who have maximized their inheritances and transformed their retirement savings into substantial legacies. Learn about the power of annuities in generating reliable income and how strategic planning can lead to significant increases in guaranteed payouts. Plus, explore opportunities to capitalize on today's higher interest rates for a secure financial future. Join Kevin as he guides you through the intricacies of retirement planning and helps you navigate toward financial peace of mind.
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In this episode, we explore the intersection of elections and markets, unraveling the uncertainties and preparing you for potential market fluctuations in 2024.
With speculation rife about a looming recession and heightened volatility due to the election year, many are left wondering about the fate of their investments. Kevin shares insights into market forecasts, drawing from renowned analysts like Harry Dent, to help you understand the implications for your retirement portfolio. Discover why comprehensive retirement planning is essential to weathering market downturns and safeguarding your financial future.
But the conversation doesn't stop there—we delve into the infamous 4% rule and its limitations in today's economic climate. While touted as a retirement withdrawal strategy, Kevin reveals the hidden risks and challenges that retirees may face when relying solely on this rule. From market crashes to inflation and longevity risk, learn why a personalized approach to retirement income planning is paramount.
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Delve into the aftermath of a financial advisor's mismanagement, as Kevin discusses strategies for rebuilding trust and navigating the complexities of investment losses. Gain valuable insights into understanding market fluctuations and the importance of aligning investment decisions with individual risk tolerance and financial goals.
In response to a reader's dilemma of losing $200,000 in retirement funds, Kevin provides expert analysis, questioning whether the loss was due to market downturns or mismanagement. Discover how proactive planning and education can empower retirees to make informed decisions and protect their assets effectively.
As the upcoming presidential election sparks uncertainty, Kevin sheds light on historical market reactions and the need for a well-defined retirement income plan. Learn why having a customized approach tailored to retirement needs is crucial, especially in times of economic volatility. Explore innovative investment options designed to safeguard principal while offering growth potential, providing retirees with peace of mind and financial security.
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Kevin dissects Jeff Bezos' strategic relocation from Washington to Florida for tax purposes. Learn how Bezos leverages state tax disparities to potentially save hundreds of millions of dollars in capital gains and estate taxes, offering valuable insights for savvy retirement planning.
But tax optimization isn't reserved for billionaires. Kevin dives deep into practical tax-saving strategies for retirees, shedding light on Pennsylvania's inheritance tax and offering real-life examples of how meticulous planning can yield substantial tax savings. Discover how Kevin's expertise has helped clients preserve their wealth, navigate complex tax landscapes, and secure their financial legacies.
In addition to tax optimization, Kevin addresses a common retirement dilemma: the fear of spending. Drawing from Mark Berg's insights, he challenges retirees to embrace a balanced approach to spending, debunking misconceptions and empowering individuals to enjoy their hard-earned savings without hesitation.
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As tax season unfolds, many individuals are grappling with ways to minimize their tax burden and maximize their retirement income. Kevin sheds light on innovative tax reduction strategies that could potentially save retirees thousands of dollars annually.
In addition to tax planning, healthcare expenses loom large on the retirement horizon. With healthcare costs skyrocketing, retirees are confronted with the daunting reality of funding medical needs in retirement. Kevin breaks down the latest statistics, revealing the staggering amount required to cover medical expenses during retirement. Gain valuable insights into crafting a comprehensive retirement plan that addresses healthcare costs, including the role of long-term care insurance and hybrid life insurance policies.
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Welcome to a preview of Retirement Talk with Kevin Bock, the podcast! Here, we discuss the major financial headlines and breakdown the myths surrounding preparing for retirement.
Kevin Bock, with over 30 years of experience shares his unique perspective on retirement planning. Discover how Integrity Retirement Solutions can help you create income that lasts a lifetime, is tax advantaged and shielded from risk.
Integrity Retirement Solutions is a company committed to helping shape your retirement for success. Kevin is a sought-after speaker on financial topics and actively involved in professional organizations like the Wealth Management Round Table and the Pittsburgh Estate Planning Counsel. He's also a member of various committees in the Westmoreland Chamber of Commerce and has contributed to publications like the Aging Westmoreland booklet.
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Discover why Ted Benham, often hailed as the father of the 401K, advocates for integrating annuities into retirement portfolios to emulate the security of traditional pensions. Learn how annuities can provide a steady, guaranteed income stream during retirement, mitigating the challenges of managing investments in volatile markets. Kevin discusses strategies to create pension-like income streams using annuities, offering valuable insights into optimizing retirement savings for financial stability.
Kevin outlines the comprehensive approach of Integrity Retirement Solutions' pillar planning process.
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Kevin emphasizes the staggering number of Americans serving as caregivers and the substantial financial burden they bear, averaging over $7000 in out-of-pocket expenses annually. From meal preparation to medication assistance, caregivers undertake various responsibilities, often juggling caregiving with work and other commitments.
At Integrity Retirement Solutions, Kevin and his team specialize in providing resources and guidance for families navigating the complexities of caregiving. Recognizing the impact on caregivers' financial well-being, they offer comprehensive solutions tailored to individual needs.
From understanding care options to maximizing tax deductions for medical expenses, Kevin highlights the multifaceted nature of retirement planning and the importance of addressing healthcare needs.
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Kevin explores the impact of elections on financial markets, offering insights into historical trends and potential scenarios regardless of the election outcome. With discussions ranging from market volatility to long-term investment strategies, Kevin provides actionable advice to help listeners navigate uncertain times and protect their financial future.
Moreover, Kevin sheds light on the common trap of the "just one more year" mentality, emphasizing the importance of making informed decisions about retirement timing and financial planning. Drawing from real-life examples and expert analysis, he highlights the risks of delaying retirement and the potential consequences for individuals and their loved ones.
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With nearly 90% of Americans claiming Social Security benefits before their full retirement age, it's essential to understand the implications of early or delayed claiming. Kevin explains how his team educates clients to calculate the optimal claiming strategy tailored to their unique circumstances, considering factors like income, health insurance, and retirement plans.
Transitioning to the topic of taxes, Kevin sheds light on the complexities of the tax code, often misunderstood by taxpayers. He shares anecdotes and insights into common misconceptions and pitfalls, emphasizing the importance of professional guidance to avoid unnecessary penalties and tax liabilities.
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Kevin sits down for an exclusive interview with David Duley, the founder of the groundbreaking Social Security Risk Score software. As concerns about potential Social Security reductions loom, this interview delves into the intricacies of how this innovative tool can provide unique insights into individual risk factors.
Kevin and David explore the looming challenges facing Social Security, including potential reductions of 17-25% by 2033. The Social Security Risk Score, likened to a "blood test for the industry," is revealed as a diagnostic tool that allows individuals to assess their unique circumstances and anticipate possible impacts of proposed government reforms.
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In this episode, Kevin explores predictions of the largest market crash since the early 80s, with insights from financial expert Harry. Discover the factors contributing to the market's vulnerability and the potential impact on major indices. Harry recommends staying out of the market for 6 to 12 months and reentering post-crash.
Kevin provides a critical analysis of this prediction, emphasizing the uncertainties in market timing and the contrasting opinions on future market growth. He delves into the real rate of return, explaining how protecting your principal during market downturns is crucial for retirement planning. Learn about options that allow you to participate in market gains while safeguarding your portfolio from potential crashes.
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In todays episode, Kevin sheds light on the often-overlooked topic of long-term care, emphasizing the need for a proactive plan. Discover real-life scenarios where families faced financial challenges due to unforeseen healthcare expenses and learn how strategic planning can safeguard your assets and ensure peace of mind.
Then, Kevin explores the potential benefits of trading annuities, especially in today's market with higher interest rates. Uncover how reevaluating and possibly trading an old annuity can lead to increased income during retirement. Kevin shares success stories and valuable insights into optimizing your annuity portfolio. Don't miss this episode for practical tips and expert advice on securing a stable and fulfilling retirement.
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In this episode, discover what sets Kevin apart in the retirement planning landscape. As a four-time "Best of the Best" winner, Kevin Bach shares insights into the distinctive aspects of Integrity Retirement Solutions' approach.
Learn why Kevin's focus extends beyond just financial portfolios. As a Certified Senior Advisor, Kevin emphasizes the importance of understanding the broader aspects of aging and care. Discover the key elements that make up a comprehensive retirement plan, including income strategies, tax planning, asset management, and healthcare considerations.
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Discover the six tips outlined in a recent article that can help you effectively reduce RMD taxes. Kevin and his co-host discuss popular strategies, including the IRA to Roth conversion and charitable contributions, shedding light on their potential benefits and considerations.
Explore the concept of tapping into your IRA strategically to lower the balance, and learn about the innovative approach called "legacy conversion." Kevin explains how this strategy involves moving funds into trusts or life insurance policies, creating a substantial legacy with numerous advantages.
If you're seeking ways to optimize your RMD strategy, reduce taxes, and enhance your legacy planning, this episode provides actionable insights. Reach out to Kevin today for your complimentary Tax Analysis!
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As we all aspire to live longer, it becomes imperative to ensure our financial well-being can withstand unforeseen health challenges. Kevin shares real stories of families impacted by unexpected long-term care needs, highlighting the potential financial strain it can place on retirees.
Discover how a well-thought-out plan can make a significant difference. Kevin recounts a recent case where an $800,000 addition to a client's portfolio became a lifeline, covering long-term care expenses and potentially leaving a tax-free legacy for their family. The importance of having a comprehensive strategy that addresses nursing home costs, home care, and the peace of mind it brings to retirees is at the forefront of this insightful discussion.
Learn why waiting to address long-term care needs can be a costly mistake and why it's crucial to incorporate a solid protection program into your retirement plan. As catastrophic medical expenses remain a top concern for retirees, Kevin emphasizes the need to avoid the #1 cause of financial distress in retirement.
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As we approach 2024, a year marked by promises and election fervor, one critical aspect to consider is the impending end of the tax Trump code in two years. In this episode, Kevin explores the intricate relationship between politics, tax codes, and investment strategies.
Delve into the question of how much weight politics should carry in your investment decisions. Does the color of the White House influence your risk tolerance or conservative approach? Kevin provides insights into the historical context of tax changes and their impact on financial planning.
Kevin discusses the tax reduction passed by Trump, scheduled to end in 2026, and the potential implications, regardless of who holds office. He emphasizes the importance of tax planning and highlights the varying studies that showcase different perspectives on tax policies under different administrations.
For those nearing retirement, Kevin sheds light on the significance of adapting investment strategies based on time horizons. The episode covers the impact of market drops during accumulation versus the challenges faced in retirement, where selling shares can deplete savings faster during market downturns.
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Join us in congratulating Kevin and the team on clinching the Best Financial Planner title in Westmoreland County for the fourth consecutive year! Discover why the community has consistently chosen them as the best of the best.
In this episode, Kevin discusses the unique factors that set Integrity Retirement Solutions apart. Kevin reflects on the journey since 1989, emphasizing the team's commitment to evolving with clients' needs. Hear about the comprehensive approach that includes attending classes nationwide, focusing on tax reduction, and staying ahead of retirement challenges.
Kevin shares stories of clients who, after their first visit, express gratitude for discussions on topics rarely addressed by other advisors. From in-depth talks about healthcare costs in retirement to strategies for minimizing taxes, Kevin's philosophy revolves around proactive planning. Learn why understanding the aging process and addressing potential issues like long-term care are vital components of a solid retirement plan.
Discover why clients value the personal touch at Integrity Retirement Solutions, where the focus is on understanding individual goals, desires, and concerns. As Kevin aptly puts it, "If you want to have a good retirement, you have to work with someone who understands the aging process."
Don't miss this opportunity to gain insights from one of Westmoreland County's most trusted financial planners. Visit integrityretirementoptions.com for more details about Kevin and Integrity Retirement Solutions.
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In this enlightening episode of Retirement Talk with Kevin Bock, Kevin addresses the pressing concerns surrounding Social Security's potential insolvency by 2033. Recent reports indicate a looming 25% cut in benefits, raising questions about Congress's role in rescuing this crucial financial pillar.
Special guest David Dooley introduces the Social Security risk score, shedding light on the anticipated challenges for individuals reaching retirement age in the next decade. The podcast explores the shifting priorities of younger generations in charge and the potential impact on Social Security benefits for baby boomers.
Kevin discusses the possibility of reduced or even non-existent Social Security income in the future, they emphasize the importance of proactive planning. Discover conservative planning strategies and practical steps to safeguard your financial well-being in the face of potential benefit cuts.
Kevin introduces innovative solutions, including a unique product designed to provide additional income if Social Security experiences a specified percentage drop. Learn about tools and options available to individuals who might be affected by the changing landscape of Social Security benefits.
In this thought-provoking episode, Kevin emphasizes the need for a personalized retirement plan that considers various scenarios. The team at Integrity Retirement Solutions is well-equipped to provide Social Security risk scores, offering insights into how benefit reductions may impact your overall financial picture.
Visit Integrity Retirement Solutions at IntegrityRetirementSolutions.com for more details and to explore personalized solutions for your retirement needs.
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A recent survey found that nearly 60% of retirees aren't ready to fully retire. Many Americans are choosing to continue working, whether part-time or full-time, well into their retirement years. Kevin shares insights into the benefits of postponing retirement and explores the potential obstacles individuals may face.
Discover the diverse paths retirees are taking, from pursuing hobbies like teaching skiing or working at golf courses to finding new purposes that keep them engaged and fulfilled. Kevin emphasizes the importance of having a sense of purpose in retirement and shares personal stories that illustrate the power of blending passion with work.
As a seasoned retirement professional with 34 years of experience, Kevin provides valuable advice on the considerations and challenges individuals may encounter when contemplating retirement. Learn about the critical role of income planning, leveraging assets, and making informed choices about pensions and lump sum options.
Discover how Kevin can help you navigate the complexities of retirement planning, ensuring a secure and fulfilling future with your custom Portfolio Review!
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The podcast delves into the number one fear in retirement—running out of money—and identifies unexpected catastrophic healthcare expenses as the leading cause. Kevin provides a comprehensive approach to address healthcare costs, ensuring that clients have a plan in place to navigate potential challenges.
Learn why it's crucial to look beyond the present and consider the future. Kevin sheds light on the longevity aspect, emphasizing that with statistics showing one in two married individuals living to age 91 or 92, planning for a lengthy retirement journey is essential. Discover how Kevin helps clients prepare for potential roadblocks, including unexpected health issues and the need for long-term care.
Gain insights into market volatility during retirement and the concept of sequence of return, a crucial factor that can significantly impact your financial well-being. Call Kevin today for your complimentary Retirement Income Review!
For more details and to explore Integrity Retirement Solutions, visit integrityretirementsolutions.com.
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Discover the importance of creating diverse income streams, making your money work for you even as you sleep. We delve into the changing landscape of retirement, where pensions are rare, and personal responsibility plays a crucial role. Learn about in-service non-hardship distributions and how you can turn your 401K into your personal pension for a secure future.
Kevin emphasizes the significance of starting early and harnessing the power of compound interest. Whether you're contemplating retirement or just starting your career, this episode provides valuable tips on building wealth and securing a comfortable retirement. We explore ways to find purpose in retirement, from monetizing hobbies to starting small businesses.
Don't retire to nothing—retire to something meaningful. Kevin shares his wealth of experience, offering insights and ideas that can shape your retirement journey. If you're seeking guidance on retirement planning, tune in to learn more about the next steps in crafting your retirement.
Want to sit down with Kevin one-on-one and create your custom Retirement income Plan? It's Complimentary - call Kevin today!
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As we step into the final quarter of the year, it's time to take stock of your financial situation and ensure you're making the most of your retirement plans. Morningstar's Christine Benz suggests one essential box to check: maximizing your 401K contributions. For those over 50, this can mean contributing up to $30,000 in 2023.
But the financial checklist doesn't end there. Explore ways to leverage Traditional and Roth IRAs, health savings accounts, and qualified charitable distributions (QCDs) to enhance your retirement planning and minimize tax liabilities. Learn how smart tax planning can lead to significant savings and a brighter financial future.
If you're concerned about paying high taxes or want to leave a lasting legacy for your heirs, this podcast offers valuable insights and tips. Join us for a thoughtful discussion on financial strategies to implement before the year-end, so you can start saving on January 1. For more details and personalized advice, visit Integrity Retirement Solutions at integrityretirementsolutions.com.
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First, we explore the often-avoided topic of long-term care. While many of us prefer not to think about it, the reality is that we're living longer lives, and that means we need our retirement savings to stretch as far as we do. Unexpected medical expenses, especially those related to long-term care, can take a significant toll on your finances. We discuss a recent client case where an addition of $800,000 to their portfolio ensured they were prepared for long-term care expenses, granting them financial security.
We also share a cautionary tale of someone who had a million-dollar portfolio but was unprepared for the financial strain of a prolonged illness. The lack of a comprehensive plan to address long-term care led to significant financial difficulties for the family. It's a stark reminder of why addressing long-term care in your retirement plan is crucial.
The financial landscape is ever-changing, and there are new opportunities to optimize your retirement plan. It's essential to explore all options to ensure your financial security in your golden years.
If you're retired or nearing retirement, call Kevin NOW to schedule a Portfolio Review!
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In this episode, hear Kevin explore the impact of inflation and the Federal Reserve's role in shaping the future. Will the 4% or even 4.8% rule withstand the test of time? The uncertain economic environment has everyone on edge.
With over three decades of experience, Kevin explains the importance of creating a personalized retirement plan. He introduces the idea of a customized withdrawal strategy based on individual circumstances, such as risk tolerance and specific financial goals. This ensures a more secure financial future.
As times change, so do the rules of retirement planning. But, as Kevin emphasizes, personalization and preparation are keys to securing your financial future, no matter how different the times may be.
The number one fear of retirement is outliving your money. With Kevin's guidance, you can put a plan in place tailored to your unique circumstances. Call 724-488-7868 or visit the website at integrityretirementsolutions.com to begin planning your financial future today.
If you're retired or nearing retirement, call Kevin NOW to schedule a Portfolio Review!
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re you prepared for the journey into retirement? As the financial landscape evolves, it's essential to protect your retirement savings. The traditional solution? Bonds. However, in these volatile times, bonds might not be the best choice.
Kevin expands on this notion, emphasizing the benefits of annuities as bond replacements. He explains how annuities can provide a safer and potentially more profitable alternative. Looking for consistent income? Annuities might be the answer.
But retirement isn't just about financial security; it's about fulfilling your dreams. As you plan for retirement, Kevin sheds light on the importance of crafting a post-retirement lifestyle. What will you do with your newfound free time? Kevin's advice: don't retire into nothing. Fill your days with purpose, whether through part-time work, pursuing hobbies, or even starting your own business.
Are you ready to retire with confidence? Find out and call Kevin today- 724-488-7868!
If you're retired or nearing retirement, call Kevin NOW to schedule a Portfolio Review!
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In this episode, Kevin dives into the intriguing world of Social Security payouts and the often overlooked aspects of earned income taxes in retirement.
The discussion kicks off with a critical question: Is the Social Security payout you've been counting on guaranteed to remain the same? Kevin sheds light on potential changes that could impact your Social Security benefits, including adjustments to income caps and reduction percentages, all aimed at extending the program's sustainability.
Now, what if I told you Kevin Bock, of Integrity Retirement Solutions has access to the Social Security Risk Score. Its a tool that can tell you the likelihood you will be impacted by the loss of SS. Kevin can also show you how he can replace that money, that you are counting on for retirement that may not be there! CALL KEVIN TODAY FOR YOUR CUSTOMIZED SS RISK SCORE!
#retirement #financialplanner #financialliteracy #wealth #fyp #podcast
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Is Social Security's future secure? The history of Social Security reforms and potential future cuts loom large. If you've ever wondered whether Social Security will be there for you, this is a must-listen episode.
In 1983, Congress made pivotal changes to Social Security, including cutting benefits and raising retirement ages. Fast forward 40 years, and Social Security faces new challenges. Kevin Bach breaks down the potential risks to your Social Security income and discusses the significance of a potential 23% benefit cut in 2033. If you're concerned about the future of Social Security, this episode provides critical insights.
But the retirement discussion doesn't stop there. We transition to a heartwarming story of love and late-life adventures with the "Golden Bachelor." Meet Gary Turner, a 71-year-old father and grandfather, who decided it's never too late to find love again. Gary's journey on the Bachelor spin-off, "Golden Bachelor," reminds us that life is full of surprises, even in retirement.
#retirement #financialplanner #financialliteracy #wealth #fyp #podcast
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Only 35% of Americans use a financial advisor, despite the monumental impact financial decisions can have on one's retirement. Kevin discusses what a financial advisor brings to the table, emphasizing the critical role of knowledge in retirement planning.
The conversation unfolds with real-life examples of how expert advice can make an enormous difference in retirement outcomes. Kevin shares a case study where they transformed a potentially massive tax burden on highly appreciated assets into a $35 million tax-free legacy for a client's five children.
Whether you're dealing with highly appreciated assets, company stock, or complex financial situations, this episode showcases how a knowledgeable financial advisor can help you make informed decisions that maximize your legacy and minimize taxes.
#retirement #financialplanner #financialliteracy #wealth #fyp #podcast
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In this episode Kevin discusses the four worst mistakes people make in withdrawing from their accounts. He also talks about the importance of having a plan for retirement and how to make sure you're doing it the right way.
Here are the four worst mistakes people make in withdrawing from their accounts:
- Not having a plan.
- Withdrawing too much money too soon.
- Not taking into account taxes and healthcare costs.
- Not having a diversified portfolio.
Kevin discusses the importance of having purpose in retirement and how to find it. He also talks about the different types of income streams available to retirees and how to create a plan that meets your individual needs.
If you're retired or nearing retirement, call Kevin NOW to schedule a Portfolio Review!
#retirement #financialplanner #financialliteracy #wealth #fyp #podcast
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In this weeks episode, Kevin discusses how to avoid paying millions in taxes in retirement. He shares a case study of a client who had amassed a large amount of highly appreciated assets and was facing a significant tax bill. Kevin explains how he was able to help the client create a tax-free legacy for their children.
Kevin also discusses the importance of working with a financial advisor who understands the tax code and can help you minimize your taxes in retirement. He emphasizes that you don't have to be a tax expert to have a successful retirement, but you do need to work with someone who knows the ins and outs of the tax system.
If you're concerned about paying taxes in retirement, call Kevin today !
#retirement #financialplanner #financialliteracy #wealth #fyp #podcast #taxes
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In this episode Kevin discusses the pros and cons of annuities. He explains how annuities can provide guaranteed income in retirement, but also discusses the limitations of annuities, such as the 10% withdrawal rule. Kevin also talks about how annuities can be a part of a comprehensive retirement plan, but should not be the only source of income!
#retirement #financialplanner #financialliteracy #wealth #fyp #podcast #annuities #income
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The passing of legendary singer Tony Bennett serves as a poignant reminder of the value of adaptability and change. Discover how Tony's approach to singing and life holds valuable lessons for securing your financial future.
Kevin delves into the importance of adaptable retirement plans that can zig and zag according to life's unexpected twists.Kevin emphasizes the need to proactively plan for the worst while aiming for the best. Kevin, a certified senior advisor with extensive experience in retirement planning, shares real-world case studies and insights on crafting a flexible retirement strategy.
Gain insights into building a retirement plan that endures, even when markets fluctuate. Kevin underlines the significance of planning beyond age 100 and highlights the importance of guaranteed income for life, regardless of longevity.
#taxes #estateplanning #longtermcare #socialsecurity #lifeinsurance
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Kevin explores the intriguing concept of a "soft landing" and its implications for the economy. Gain insight into how Kevin and his team provide a comprehensive approach to retirement planning that considers not only market conditions but also personalized needs and goals. Learn how this unique approach can alleviate retirement stress by providing guaranteed income and secure financial strategies.
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#retirement #financialplanner #financialliteracy #wealth #fyp #podcast
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Have you ever wondered how you measure up against retirement benchmarks? Kevin dives deep into this question, shedding light on why comparing your retirement savings to others might not be the wisest approach. Discover the power of customizing your retirement strategy based on your unique financial needs, steering clear of unnecessary stress and expenses. Kevin shares how to determine the right amount to contribute to your 401K and suggests smart alternatives to effectively manage your tax obligations.
Ever heard of a "backdoor Roth IRA"? Kevin demystifies this ingenious strategy that allows you to contribute to a Roth IRA, even if you exceed income limits. He explains the process, benefits, and why it's an essential tool in your retirement toolbox.
As you navigate the complexities of tax planning and retirement, trust in a holistic approach that factors in inflation, Social Security, and tax implications. Tune in to explore the tools that can help you create a secure retirement future while minimizing tax burdens.
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In this insightful episode, we dive into a pressing issue – the fear of retirement surpassing the fear of death for many adults. Discover how we help alleviate stress and anxiety by providing strategic financial planning solutions. We'll explore the significance of efficient tax planning, creating guaranteed income streams, and even the emerging concept of hybrid life insurance policies for long-term care coverage. Join us as we discuss ways to secure your retirement and make informed decisions that align with your aspirations. To gain a deeper understanding of these strategies and discover how they can work for you, contact us for a complimentary income review. Don't let retirement worries hold you back – tune in now and plan for a future filled with financial confidence.
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Brace yourself for a delayed reaction in the economy. That’s the prediction on interest rates by many financial experts. If they're right, should retirement savers stick to their long-term goals during this time or make adjustments to their portfolio? Remember, the market is NOT an incom eplan - isn’t that where annuities can come into play?
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.
No annuity is created equal, and there many different types - Kevin explains the pros/cons and how an annuity could be a fit for you!
Schedule your Complimentary Consultation with Kevin Today - HERE!
If you have a traditional IRA or 401(k), you could run into a tax problem. That’s why you hear people converting those funds to an after-tax Roth IRA a little bit at a time before retirement. How easy or difficult is it to do this? At what age should someone consider making the conversion?
Then, it’s one of the most common retirement questions: Is it smart to guarantee some retirement income by putting a portion of funds into an income annuity? And if the answer is yes, how much money should you put in?
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So, let’s say you’re saving up for retirement and everything looks to be on track. Is there anything else you should do beyond crunching numbers? Vanguard’s Maria Bruno tells the Morningstar financial website that she always encourages people to envision what they want their retirement to be. Kevin explains how he has this conversation with clients helping them find better clarity of their retirement goals.
Then, some people are concerned over our national debt, while others say it’s not a big deal. Consider this: Currently 13 cents of every tax dollar go to pay just the interest on what our country owes. In 10 years, that will go up to 20 cents of every dollar. It’s hard to believe that our tax bill in retirement isn’t going to go up. Is there anything we can do about it now, so we aren’t writing huge checks to Uncle Sam in our 70s and 80s?
Americans are living longer and there’s always the fear of running out of money in retirement. But one way to safeguard against that is an annuity, which offers a guaranteed income stream for life. So how do annuities “befriend” the so-called enemies of retirement?
What crazy thing would Americans do to have a tax-free future? A new survey (by WalletHub) asked that question and found one in ten would clean prison toilets for three years in exchange for never paying taxes again! Well, we all know taxes (and the IRS) aren’t going away. It’s just a matter of controlling how much we give to Uncle Sam. Isn’t that where you and tax planning come in?
Then, a new poll (by Retirable) shows many Americans are hoping for the best when it comes to having enough money for retirement. It found 64% of retirees do not feel like they’ve saved enough to get them through, and more than half expect to take on a part-time job to make ends meet. Kevin explains his planning process showing you how to have income for life and be as tax efficient as posisble.
It’s happening everywhere: They take out 4-way traffic stops and put in roundabouts. One man in PA said they cause tornadoes! WHAT?! Talk about misinformation!
Having the wrong information when it comes to planning for retirement can be a HUGE deal breaker. Education is KEY. Hear how Kevin educates his clients and you when helping you create your retirement you have always dreamed of!
Call Kevin today for your custom portfolio review where Kevin will dissect your current plan and show you how he can better your financial future!
You will likely enter retirement having saved in a number of different places. An article in Smart Asset says if you want to be smart with taxes you should pull the money out in this order: Tax-deferred accounts (IRAs and 401ks), then taxable accounts, then Roth accounts. Hear if Kevin agrees with this strategy and how he advises his clients during the withdrawal phase of retirement.
Then, after 20 years, Kelsey Grammer is reprising his famous Frazier character in a sequel that’ll air on Paramount+. Maybe here’s one reason the 67-year-old is going back to work, as he told Fox News - he has seven kids, ranging in age from 6 to 39 and he is going to take care of each and everyone of them, leaving inheritance and more. Hear how Kevin helps his clients create a successful income in retirement, plus generational wealth for your loved ones and more!
Call Kevin today for your complimentary Income and Legacy Review!
Hear Kevin explain why he works so hard why he is so passionate about helping YOU prepare for retirement!
The government estimates someone turning 65 today faces a 70% chance of needing some type of long-term care services in their remaining years. Buying long-term care insurance late in life is expensive. Is there another option to consider for those who haven’t done their planning?
Call Kevin today for your custom Retirement Income Review!
The cost of Long-Term Care can be $10,000 a month or more. 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. Is buying this the best answer to covering those costs?
Did you watch the Super Bowl from your couch? So did quarterbacks Tom Brady and Aaron Rodgers. Brady just announced his retirement “for good” from the NFL at age 45. Rodgers – who’s 39 - is apparently still deciding. In each case, it’s not about the money. They have plenty. How do you help clients who can certainly afford to retire but don’t want to?
Call Kevin today for your Complimentary Portfolio Review!
You've worked so hard to have the ultimate retirement, do you think you will leave a legacy to your kids/ grandchildren?
Entertainer Marie Osmond is a proud mother – and grandmother – at age 63. But she tells US Weekly that there’s one thing she’s made clear to her adult kids – they won’t be getting an inheritance! Osmond plans to give away most of her fortune to help others. Do you have any clients who have felt the same about leaving money to their children? Also, hear the best way to create and leave a legacy for your family using the best tax efficient tools! The last thing you want to do is leave a great legacy but leave your family members with a big tax bill!
Then, sales of annuities have soared as interest rates go higher, because they yield better returns. But some annuities have a reputation of high fees. Should we be concerned about that when an annuity offers a stream of guaranteed income?
Call Kevin today for a Legacy Checklist and an Annuity Stress Test!
An article in The Street warns that a lot of people are surprised at how big their tax bill is after they retire. Why does this happen? And are there any steps we can take to lower that bill? Kevin talks about what the first meeting is like and how he can help save you from paying Uncle Sam too much money!
Call Kevin today for a Complimentary Tax Analysis!
When you move your 401K or IRA, do you pay taxes? Preparing for retirement can be overwhelming and confusing. The good news is, Kevin has over three decades of experience and is here to help YOU!
In todays episode, hear Kevin talk about helping people restore their financial confidence using his 6 pillars for a successful retirement and more!
Call Kevin today for a customized income 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? Hear how Kevin can you help navigate the numerous choices of guaranteed income for life!
For a change, the IRS has good news for retirees. For the first time in 20 years, it has updated its actuarial tables, which raised average life expectancy from age 84 to 86. This helps set how much someone has to withdraw from their retirement account beginning at age 72, also called a required minimum distribution or RMD. The bottom line is you should be able to keep more of your money. Hear Kevin's strategies to claiming RMDs and putting MORE money back in your pocket!
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The guy who invented the concept of the “4% percent” rule (see definition below) thinks it’s too early to cut the withdrawal rate to 3% because of today’s volatile markets. Bill Bengen feels it would take a “catastrophic” set of circumstances before people reduce their withdrawal rate. Hear Kevin's message about how much to take from retirement accounts during this economy and what do you base it on. An article in the Wall Street Journal talked about now being a great time to do a conversion to an after-tax Roth IRA. The reason is the value of assets are down in a bear market. And so are the taxes on a Roth IRA, opening the door for further growth and tax-free withdrawals. But is this for everyone?
Call Kevin today for a Comprehensive Retirement Plan!
Should your retirement plan feature a guaranteed stream of income, like that paycheck you get every two weeks? Annuity advocate Sheryl Moore of WinkIntel.com tells us that an annuity just might help. Hear Kevin share concerns from clients and if he recommends annuities. What’s your relationship with your money? Are you conservative? Do you spend too much? Nobel-winning psychologist Daniel Kahneman conducted a study showing that we make financial decisions based on 90% emotion and only 10% logic. If you follow that model, how can that get you into trouble in retirement?
Let Kevin go through his 6 pillars of a successful retirement and help YOU create a custom retirement income plan!
Best-selling financial author Larry McDonald tells Fox Business that he believes the Fed will soon back down on these hikes, and that will give way to a market rebound. If someone is on the edge of retiring, how do you position them… especially when that rally could be a short bull market bounce in the middle of a long bear market? What are you most concerned about in retirement? A new survey (by the investment company Schroders) of near retirees found:
- 33% were terrified to give up their paycheck.
- 55% don’t believe they will be able to replace even 75% of their current paycheck.
Hear how Kevin can help you with your concerns and give you that added peace of mind with a customized income plan!
In the next few weeks, a lot of retirees aged 72 and up will get reminders to take their required minimum withdrawals – or RMDs – by the end of the year so Uncle Sam gets his tax money. But an article in the Wall Street Journal suggests taking monthly or quarterly RMDs rather than waiting until year’s end. Is that a good tax strategy?
We’ve talked a lot about how the bond market is also having a horrible year. That’s why many investors are seeking ideal bond replacements. Sheryl Moore of WinkIntel.com believes you might consider an annuity…hear Kevin's opinion and his planning process to help you get to and through retirement.
Then, the newest iPhone has a pretty cool feature called “crash detection.” Just like it sounds, the phone detects various types of car crashes, then automatically calls 911. But some riders of roller coasters are discovering that all the herky-jerky movements are also triggering calls to 911. The whole thing can be avoided by putting the phone in airplane mode. It made me wonder – with all the bad economic news that’s bombarding us – is it time to put the sources of that information on “airplane mode” for a while and when you’re analyzing a portfolio, what sets off your ‘crash detector?’
The Motley Fool financial website says 70% of us will need some amount of Long-Term Care in our lifetime, but only 50% of us feel confident we’ll be able to pay for it. Hear Kevin's 6 Pillars for a successful retirement and how he accounts for the high cost of future healthcare costs. Then, have you thought about your estate plan? Kevin tells story of Whitney Houston's estate and what happened when she passed, and how it got stuck in probate!
Inflation is hurting a lot of Americans, yet the stock market keeps bouncing along. Economist Mark Tepper tells Fox Business, you must dig deeper than the green arrows. If we are headed for a recession, how much exposure to the stock market should a person near retirement have? Kevin talks about the real #1 reason people run out of money and how he can help you protect and grow your income.
Wall Street analysts and stockbrokers are famous for their advice when the market is down; “hang in there, it’ll come back.” But that’s not very comforting if you’re in retirement pulling money from an account that’s losing money. So, what is your counter to “hang in there, it’ll come back?” Kevin can show you how you can both be invested in the market, grow your income and NOT lose money!
Kevin explains the planning process he has been using to help many people just like you retire with confidence - the 6 Pillars of a Successful Retirement!
Kevin explains more in his Forbe's Article, " What is Missing from Most Retirement Advice"
Call Kevin today for a Comprehensive Financial Plan where you will walk through each pillar with Kevin helping design an income plan that will fight inflation, taxes, and market volatility!
In 2006, the financial industry invented the Target Date Fund. There are over three trillion dollars in these funds, and you probably have one in your 401(k). But the article in front of me says these funds have a “fatal flaw.” As they go to less risk in later years, the more they go to bonds. Bonds have been a loser over the last 10 years due to interest rates. The article suggests that instead of pushing toward bonds, they should push toward income producing assets. Kevin explains his opinion on TDF's, protecting and growing you 401K and options you have as you get closer to 59.5 years old. Its all about growing, protecting and creating income in retirement and with over 30 years of experience, Kevin can help YOU!
Call Kevin today for a 401K Analysis!
Kevin takes a deep dive in what he includes in his Comprehensive Financial Plan and how his 6 pillars of a successful retirement are customized to YOU and your income plan.
Then, former Vice President Mike Pence joins the show and shared his philosophy on life after leaving the workforce, listen to see if you agree!
Call Kevin today for a Comprehensive Financial Plan!
The talk of a market pullback continues on Wall Street. What exactly is a ‘contraction?’ How long can one usually last, and what is your advice for those close to retirement? Bottom line... hear how Kevin can help you inflation proof your retirement plan with market protection strategies!
If most of your money is in a 401(k), how and when do you access it? Do you retire and start pulling money as you need it? Do you wait until the government says you have to take it? Two retirement and Social Security experts say that a customized tax strategy is very important and can reduce a couple’s tax liability by more than 300-thousand dollars. Is an income plan really complete without a tax plan?
Call today for your Portfolio Review!
Country superstar Jason Aldean joins the show! We were with Jason Aldean in Nashville recently and he told us the most important thing he’s learned in his 25-year career, is that you need the right team. So, let’s talk about your team. Tell us what they bring to the table for someone who’s ready to talk to a financial advisor. 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. Kevin talks about how long he has seen people try to manage their own retirement funds before they finally give you a call? Do they wish they’d done it sooner?
If you’re not yet ready to retire, there’s a way to get a nice tax break by making extra contributions to your IRA or 401(k). This sounds great if you can afford to make those payments. Hear Kevin discuss other ideas on tax savings as related to retirement plans and more!
Call Kevin today for a Tax Analysis!
When we mention the word “annuity,” we’re talking about an insurance contract designed to pay out invested funds in a fixed income stream in the future. The thing is, not all financial advisors recommend them. The reasons they often give are excessive fees, inferior rate-of-return potential or limited liquidity. But Morningstar’s David Blanchett says failing to discuss annuities as an option is a breach of their fiduciary duty. In other words, they’re not acting in a client’s best interests. Kevin shares his stance on annuities and explains how he helps his clients create income plans they can't outlive!
Call Kevin today for an Annuity Stress Test!
How much longer will inflation eat at us? How can we inflation proof our retirement? Hear Kevin talk about different options to help with inflation including annuities!
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. Hear Kevin explain how his 6 Pillars for a successful retirement can help you maintain your lifestyle, wants and needs in retirement!
Call Kevin today for a Complimentary Portfolio Review!
We’ve all heard of Roth conversions….paying taxes today for tax free income or legacy down the road. The legacy will still have PA inheritance taxes due on it at 4.5% - 15%. What if you did a Legacy Conversion instead?
This is for those of you who may not need all of your IRA to live on! The Legacy Conversion has similar benefits to the Roth Conversion, BUT, it can increase the value of the legacy tremendously, cover your LTC expenses with extra money that you wouldn’t have in a Roth Conversion….still have cash available if you needed it and pass the legacy money probate free and inheritance tax free to your loved ones!
If you are looking for a maximum legacy plan, we can help you achieve it!
I recently read a story about a guy from Arizona who went to Las Vegas. He was playing a slot machine at a casino there when he hit the jackpot for more than 200-thousand dollars. The only problem was the software in the machine malfunctioned, so it gave no indication that he had won. By the time the Nevada Gaming Control Board realized the mistake, the man had already returned home. So, officials pulled out all stops to track him down. And sure enough, they got him his jackpot about two weeks later. That kind of money is not only a nice surprise but can be a big game changer. This reminds me of a 401(k) from a previous employer that someone’s forgotten about. When the money was “found,” how did it change their retirement timeline?
Call Kevin for Your customized Income Plan!
Kevin explains how he helps clients prepare for expenses in retirement, taxes in retirement and of course, how his 6 pillars for a successful retirement can help you NOT run out of money!
Call Kevin today for a Complimentary Income Analysis!
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. Kevin explains how he determines the best order to withdraw from clients retirement accounts and how he can help you create a customized 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?
A tweet went viral after it reminded taxpayers to report income from illegal activities and stolen property to the IRS. Turns out, it’s legit. IRS.gov says the fair market value of stolen property must be included on form 1040, as well as any money made from things like drug dealing. The twitterverse had a field day, with comments like, “If I steal a bunch of TVs from Walmart and a homeless man steals them from me can I write that off as a loss?” All that aside, paying less taxes on retirement savings is always part of a good plan. What tax challenges do you see as we enter filing season?
Did you know that 81% of employees are less likely to leave a company if the company helps them with their finances? And, 75% say that finances are regularly on their mind and create a ton of stress! Would you agree?
Finding the balance of health and wealth is crucial to having a happy and successful life and yes, retirement! So, the question becomes - how do you do that?
Joining Kevin today is Megan Wollerton of Life Force Wellness! Megan discusses her 7 life forces and Kevin explains how they can help you find the balance of both health and wealth TODAY!
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 Kevin's 6 Pillars for a successful retirement can help you check off items on that retirement planning list !
Inflation is on the rise and shows now sign of slowing down! How do we keep up? Hear Kevin discuss a few different options and strategies he can show you to keep up with the pace of inflation while not spending all your nest egg!
According to a new Vanguard report, the average 401(k) earned just over 15% last year. So, how did yours do? Hear what Kevin thinks is a reasonable expectation for us to have when it comes to the performance of our retirement accounts?
Required Minimum Distributions are back this year. If you’re subject to them, you might want to start thinking about that. But even if you’re not there yet, Morningstar’s Christine Benz says it might pay to start considering your options. Hear Kevin explain some of those strategies and how he helps clients reduce their tax obligations!
We’ve talked about the importance of reducing risk and developing income in retirement. An article in Smart Asset suggests that annuities, not bonds is a better way to do both. They also talk about the psychological benefit of having dependable income gives the retiree the license to spend and enjoy retirement more.
President Biden is pushing trillions of dollars in new spending … and his supporters in Congress are considering several different tax hikes to pay for it all. One of them is a so-called “death tax” … that’s a tax that your family has to pay whenever they inherit something from you. But former U.S. Senator Heidi Heitkamp, a Democrat, tells CNBC that would be a big mistake. So, where does Kevin see this going? Are we going to need to do some strategizing to protect our family assets from Uncle Sam?
Kevin talks about his 6 pillars for a successful retirement and how he can help you create the retirement you've dreamed about. The good news Kevin can help you with this process because everything is under one roof!
1) Income Planning
2)Assent Planning
3)Tax Planning
4)Healthcare Planning
5)Legacy Planning
6)Legal Planning
Kiplinger’s surveyed hundreds of retirees and near-retirees to ask them about their biggest financial fears. Kevin talks about the big disconnect with 71% admit they need help with 29% of Americans are working with an advisor.
Stocks have been hitting record highs in recent weeks, but one strategist worries that prices are too high. Julian Emanual tells CNBC the market is starting to mimic the conditions of when the dot-com bubble burst and he believes we could be in for a 10-to-20 percent correction! Is this a reason for concern, or do we just bite the bullet and hope for the best?
Then, giving your retirement a test-run might be a good idea, according to Morningstar’s Christine Benz. She says that practicing what you would spend can be simulated if you can get an extended vacation. Hear Kevin's advice when it comes to estimating what percentage they’ll spend in retirement and how he can help you prepare for the unexpected and not run out of money in retirement.
We’ve talked about the importance of reducing risk and developing income in retirement. An article in Smart Asset suggests that annuities, not bonds is a better way to do both. True or False?
Then, hear Kevin talk about the psychological benefit of having dependable income giving the retiree the license to spend and enjoy retirement more. Plus, President Biden is pushing trillions of dollars in new spending … and his supporters in Congress are considering several different tax hikes to pay for it all. One of them is a so-called “death tax” … that’s a tax that your family has to pay whenever they inherit something from you. But former U.S. Senator Heidi Heitkamp, a Democrat, tells CNBC that would be a big mistake. So, where do you see this going? Are we going to need to do some strategizing to protect our family assets from Uncle Sam?
Blackrock CEO Larry Fink tells CNBC that record-low interest rates are a major problem for those of us trying to save for retirement. Are these low rates going to force some of us change our retirement plans?
Then, inflation has been a hot topic in recent months, but Market Watch says – if you’re planning for retirement – inflation should always be a hot topic. Hear how Kevin can make sure you can maintain a consistent standard of living during retirement!
How often do you check your smartphone? A survey by the tech care company Asurion found Americans look at theirs 96 times a day. That’s about once every 10 minutes while you’re awake! That number is up 20% from a similar poll two years ago. Jittery investors tend to check their financial standing a lot. Think about it, when did you last check your income and financial plan?
Kevin talks about helping people with their financial future, Republicans and Democrats have been going back-and-forth over President Biden’s so-called “Build Back Better” plan … a $3-and-a-half trillion “wish list” of social spending programs. But as economist Brian Wesbury points out to Fox Business, Uncle Sam doesn’t have a very good track record when it comes to spending our tax dollars wisely. Okay, I’m sure we could talk all day about how “greedy” the government is. But what we’re really concerned about is how we can protect our life savings from that greedy government. Where do we start?
This may surprise you: A new report from the Credit Suisse investment bank estimates that nearly 1 of every 10 American adults is now … a millionaire! That’s great news but I’m sure a lot of those new millionaires are wondering, “Now what?” How do we make sure we’re still a millionaire (or better) by the time we hit retirement?
Are you ready for retirement? USA Today came up with some questions we need to ask ourselves, to determine whether we’re financially prepared for retirement. Kevin weighs in on these questions and adds some of his own!
If your intentions are to provide for your children or grandchildren after you’re gone, there’s a certain amount of planning you need to do. But The Motley Fool’s David Gardner says most people don’t. So, it sounds like he’s saying our intentions are good – but we’re missing some of the critical details. Can you talk to us a little about proper estate planning?
Transamerica has agreed to a $5 million court settlement for not giving its employees enough investment choices in their retirement plan. Isn’t that one of the benefits of doing a rollover – because it gives you more options for what to do with your retirement assets?
When it comes to our finances, we could all benefit from a little guidance … but a new survey finds that 40% of Americans are just too embarrassed to ask for help. And 42% say they’d like to talk with a professional, but they feel like they probably can’t afford it. Hear Kevin explain how it doesn't matter where you are on your road to retirement, his tools and strategies can help create a customized plan just for you!
Football is 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? Warren Buffett has a riddle that he likes to pose to investors: 'If you call a dog's tail a leg, then how many legs does it have?'" The answer is … four … because calling it a leg still doesn't make it one. His point is that we need to be skeptical about investments because bankers and CEOs sometimes present their “earnings” in a way that’s meant to mislead those of us who may not be as financially sophisticated as they are. Hear Kevin explain how he helps make sure your money is managed wisely and how he can help create a successful income plan for your retirement.
RMDs – or required minimum distributions – are back for 2021. Best-selling retirement author Patrick Kelly says many retirees are surprised to learn that they’ll have to withdraw this money from their accounts, whether they want to or not! For those who don’t need that money right now, what are some “tax friendly” options for what they might want to do with it when they take those RMDs?
September is Life Insurance Awareness Month! Hear Kevin explain how you can use life insurance as a tax strategy!
Then, it’s been well over a year now since the markets tanked in early 2020 and stocks have been on a roll ever since. Is there a correction coming? Should we prepare for another 2008?
Hear Kevin explain how his tools, strategies and 6 pillar's of a successful retirement can help you create a tax efficient plan that can withstand tax changes, inflation and any potential market correction!
Believe it or not, 94% of the people in a recent survey say it’s our civic duty – as Americans – to pay our fair share of taxes. So, I guess the bigger question is – what constitutes “fair share”? Kevin talks a little about your philosophy regarding the use of tax strategies?, It’s a word we hear in the news just about every day, lately – “inflation.” But is that just some vague concept for economists to debate … or does it really mean something for the average American? Fox Business put that question to business development leader Mitch Roschelle and he called it “a tax on the economy” … it’s also a tax on our personal economy. Kevin shares his thoughts on rising inflation and what it means for the way we plan for retirement!
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? The most common retirement fear is running out of money. So, the Go-Banking-Rates website came up with a list of some of the causes of that. Kevin discusses this list and explains how his tools and strategies can help you create a customized financial plan where you won't run out of money!
Kevin talks about article he found about "The Different Types of Personalities out there when if come to Financial Matters." Which type are you? Hear Kevin explain how your personality can impact your finances and your financial decisions!
We know that President Biden wants to nearly double the capital gains tax rate for anyone who makes a million dollars or more. Well now, as CNBC’s Robert Frank tells us, the president wants to start collecting that money before you have a chance to do anything to protect it! Assuming that this passes, does that mean we’d be out of luck in terms of tax planning? Hear how Kevin can help you prepare IF this happens!
Then, Kiplinger says one reason we need an estate plan is that we should be managing different assets in different ways … depending upon where we want those assets to go when the time comes. What do they mean by that?
Market Watch had an interesting take on tax planning: They said you shouldn’t change your financial behavior just to avoid taxes. A good tax planning strategy is one that allows you to keep doing what you want to do … while reducing your tax liabilities, in the process. Hear Kevin's approach to dealing with the tax issue as we plan for retirement! Then, Fidelity says it’s baby boomers who are the most over-invested in stocks. One listener told us he gets the idea he’s supposed to be in the market, even though he admits to being a little nervous…but don’t we have to take big risks if we want the big reward?
A report by the Employee Benefit Research Institute (EBRI) found that roughly 10% of baby boomers in the highest income group will run short of money! And the percentage is even greater for those in the more modest income groups. Kevin explains how he helps his clients NOT run out of money in retirement.
President Biden is pushing yet another round of tax hikes … including one that would push the top capital gains rate to as high as 43%. How will this impact you and your financial future?
We have some breaking news, courtesy of the financial geniuses at Market Watch: They’re reporting that … quote, “Most people have no clue what they pay for their 401(k).” Kevin has been telling us for a long time that a lot of retirement savers are having their returns eaten up by fees … and they don’t even realize it! So, please tell us again, what can we do about that?
Kevin's job is to help people not run out of money during retirement. But NerdWallet says there are some retirees who worry about money too much – almost to the point of depriving themselves. Kevin explains his process to lifetime income you can't outlive and helping clients find that “sweet spot” between feeling financially secure, and still being able to enjoy a happy, fulfilling, retirement!
What should you do with that old 401K? Are there better options that can compound your money faster and have minimal taxes and fee's? Plus, Kevin explains why his process is different than other financial advisors!
Kevin talks about the 4 phases of retirement, and how he can help you replace that paycheck!
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?,
When we were first starting out, many of us did our own tax returns – maybe with a little help from Mom or Dad. But as we grew older, our taxes became more complicated, and we hired a professional to do it. And now we’ve reached a point where we realize we need to take the next step and have a tax strategy. Hear how Kevin can help you create a tax strategy and save you form Uncle Sam!
Now that the $1.9 trillion stimulus plan is a done deal, there are rumblings that the Biden administration’s next move will be a big tax increase. IRA expert Ed Slott says that we control our tax rate - is this possible?
Tax changes are on the way, what does that mean for you? Is there anything we can do right now to better position ourselves for what I think most of us assume will be higher taxes in one form or another? Kevin discusses President Biden's potential tax changes/hikes and how inheritance tax may possibly be impacted as well. Hear how Kevin can help you prepare and protect your finances from Uncle Sam!
At least one Wall Street forecaster is warning that 2021 could bring a return of rising inflation rates. So, what does that actually mean for us? Is it something we should be accounting for in our retirement planning? Kevin explains how he can make your portfolio inflation proof!
What potential tax changes does President Biden have up his sleeve and how will it impact you? Your money? Your financial future? Kevin discusses!
Forbes talks about something they called a “Rich Person’s Roth.” Turns out, it wasn’t a Roth at all – it was a way of using life insurance to help fund retirement. Kevin discusses how this could be a tool you could use to build your retirement income. Then, whats the difference between a“financial advisors” and “retirement financial advisors” ?
A new year brings the threat of new problems – created by Congress. Morningstar asked IRA expert Ed Slott says we need to be worried about a tax increase. Hear Kevin discuss tools and strategies to protect your retirement accounts from potential tax increases, inflation and more.
Weather we like it or not, taxes and fees are a part of nearly every financial transaction. Take a look at your last cell phone bill, do you see the list of fee’s and random taxes that you are paying? How can we protect ourselves against this trap? Oh, and what’s that “A” word everyone talks about in retirement planning and how can it help YOU? Kevin explains in this week’s episode!
When you meet with Kevin, he'll walk you through the planning process he has been using for 30+ years - the pillar planning process and show you how he can make your retirement plan strong, stress free and everything you want it to be!
- INCOME PLANNING
- PLANNING
- TAX PLANNING
- HEALTHCARE PLANNING
- LEGACY PLANNING
- LEGAL PLANNING
Call Kevin today, schedule a complimentary portfolio review, and let Kevin test your portfolio with his 6 pillar process!
When it comes to your retirement, you literally can’t afford to make mistakes. Some common mistakes include relying solely on social security to support you in retirement, not signing up for Medicare on time and failing to take RMD’s on time to name a few. In today’s podcast, we discuss 7 mistakes that you can avoid that could cost you big time!
A story on Fox Business had an interesting take on estate planning. It said your legacy isn’t just the money and assets you leave behind – it should also be an effort to leave your family “intact as allies, instead of adversaries.”
Kevin explains how his 6 pillar planning process and how it can help create a full blown customized plan to prepare your income plan, tax plan, healthcare plan and your estate plan!
Find out what makes Kevin stand out from other advisors! Plus, how his 6 pillars to a successful retirement can take YOU from zero to hero with your retirement plan!
Then, find out how your retirement plans are just like those of the stars! Hank Williams Jr. joins the show and gives his take on estate plans.
Kevin had spent nearly 30 years educating his clients, and implementing tools and strategies that will give you the best retirement possible.
CALL KEVIN TODAY AND SET UP A TIME TO COME IN FOR A FREE FINANCIAL REVIEW!
One of the most important considerations in retirement planning is your healthcare. Unfortinately, a lot of people mistakenly assume that Medicare is going to cover all of their healthcare cost – SPOILER ALERT – they won’t. If Medicare isn’t going to pay for long-term care, what can we be doing now to make sure we’re covered, when the time comes?
It’s no fun talking about taxes … but it’s a conversation we all need to have. We asked some of our listeners if they think their taxes will go up … or down … after they stop working…. So, which is it? Do taxes typically go up, down, or stay the same when we leave the workforce? Kevin talks about tax efficient strategies to keep money in our pockets! Did you know you can have a "Tax Free Retirement?" YES! It is a REAL thing and Kevin can show YOU how its possible!
Think about it, do you go on a road trip with no plan or map? Of course not! So why would you enter retirement with no plan? Allow Kevin to be your general contractor when it comes to building your fiscal house - that dream house or that dream retirement. Contact Kevin for a Complimentary Portfolio Review!
What will it mean for taxes if Trump or Biden wins? How will it impact you, your finances and your retirement? Are you prepared if taxes go up?
Kevin explains his process, and why tax planning is one of the steps to his 6 pillars for a successful retirement!
Want to make sure you're prepared for these possible tax changes? Call Kevin today, schedule a complimentary Tax Analysis and let Kevin show you how you can have a TAX FREE RETIREMENT!
All the attention lately has been on the markets – and understandably so. But Business Insider says times like these can make us forget about the other parts of financial planning, like tax strategies and estate planning, to name just a few. Should we keep our focus on stocks, or would this be a good time to take a more comprehensive look at our financial life?
Call Kevin today, schedule a complimentary Portfolio Review!
What is an annuity and is it for me? Is a ROTH IRA for me? Plus, a survey that was done in early March, when the market first started dropping, found that nearly half of those polled said they would have to delay retirement if the market fell another 10% - which it did. Is it a given that this downturn is going to change our retirement plans – or do we have options?
CNN says Joe Biden wants to change 401(k) plans to give low-income earners a bigger tax break. That sounds good, but the change would be at the expense of couples who earn more than $80,000 a year – those people would lose a portion of their tax break. Do we need to worry about potential changes to the retirement planning rules? If so, is there anything we can do now to prepare for those changes?
Call Kevin today, schedule a complimentary Portfolio Review!
Do you think your taxes will go UP or DOWN when you retire? The national debt is in the TRILLIONS - and it will need to get paid back which means... taxes are MOST LIKELY to go up. Kevin discusses his strategies for tax planning to reduce or eliminate taxes!
Hear how Kevin saved one couple $100,000 a year in taxes by using his tax planning tools!
Want to talk with Kevin about your future tax plan? Call Kevin today and schedule that FREE Tax Analysis!
Schroders surveyed “average” investors to find out what kind of returns they expect to earn over the next five years. The answer … a sky-high 15% a year! Is that possible? Yes. Is it likely? No! Kevin explains how he helps clients manage their expectations about what to expect from the markets!
Call Kevin today, schedule a complimentary Portfolio Review!
Is this really the time to panic or do we take a deep breath and reevaluate where we stand in the market? Kevin explains how one of the worst things you can do is make a financial decision out of emotion. How can you prepare for what the market could bring in the next 20 years? Is there a way to protect your investments? Believe it or not, there are a few ways you can be invested in the market AND be protected, and Kevin can show you how! Even now during these uncertain times, Kevin is available to you via phone or setting up a virtual meeting.
A HUGE discussion during the 2020 conventions, debates and of course for each candidate is TAXES. Does it matter who is in the white house and how it will impact your taxes? Your finances? your healthcare?
Then, what if you could retire in or near a 0% tax bracket?
Want to make sure you're prepared for these possible tax changes? Call Kevin today, schedule a complimentary Tax Analysis and let Kevin show you how you can have a TAX FREE RETIREMENT!
How important is it to have a will and/or an estate plan? Did you know big stars like Prince, Aretha Franklin and Michael Jackson didn't have the proper financial guidance and when they passed, their families were left picking up the pieces.
60% of adults in U.S have no will or estate plan, do you?
USA Today story: “Money mistakes are like termites. They can work quietly behind the scenes, gnawing away at your wealth.” Kevin explains how he can help you and your family create a plan with his 6 pillars for a successful retirement!
Call Kevin today, schedule a complimentary Portfolio Review!
What will this upcoming election do for your finances and your retirement? How will taxes be impacted? What about the cost of healthcare? Hear how Kevin breaks down each parties tax plans and discusses making financial decisions based on who is in the white house.
Want to make sure you're prepared for these possible tax changes? Call Kevin today, schedule a complimentary Tax Analysis and let Kevin show you how you can have a TAX FREE RETIREMENT!
Is now the time to be more aggressive with your investments? How do you know if you're positioned correctly without taking unnecessary risk?
When you leave your job, what should you do with your old 401K? Plus, did you know 65% of people who try to roll over their old 401k's do it wrong and pay unnecessary taxes and penalties? Then, is it possible to have a tax free retirement?
Call Kevin today, schedule a complimentary portfolio review, and let Kevin show you how you can have a TAX FREE RETIREMENT!
A website called “Intentional Retirement” argues that there’s actually a positive side to the COVID-19 pandemic, because it forces us to examine our financial shortcomings. Kevin talks about looking at people’s retirement “problems” and finding ways to turn them into retirement “opportunities.” Then, hear what makes Kevin stand out from Mr.Financial Advisor down the street?
When you contact Kevin for a Complimentary Portfolio Review!
In the past few months, everyone's life has been affected by COVID-19 in one way or another. Now is a great time to assess any "damage" of COVID-19 on your finances, health and your retirement.
How has this pandemic impacted your finances? Your health? Your retirement or planning for retirement? Do you know any of the answers to these questions? If not, THIS is why you need to meet with Kevin TODAY!
When you contact Kevin for a Complimentary Portfolio Review, he will also send you a great resource, a white paper on the COVID Assessment discussed into todays episode!
If you think 2020 has been a rough year, you’re probably happy that it’s half over! July also means that it’s time for a mid-year portfolio check-up. And Morningstar’s Christine Benz says you should start by reviewing your asset allocation. What does that mean and how can Kevin help you? Plus, How do we “de-risk” our portfolio?
Contact Kevin for a Complimentary Portfolio Review! This is an opportunity for Kevin to make sure there are no income gaps or mistakes in your plan to keep you on the right track to your retirement. Think of it like your annual physical, for your retirement!
Forbes says the Social Security Administration won’t recognize a financial power of attorney. So, if you didn’t work with a professional who was aware of that, you might have a serious hole in your estate plan. How can you make sure your Estate Plan is done the right way?
Plus, Kevin talks about his My Employer Care Program. Hear how this program can be a resource to employers out there when it comes to assisting their employee's with income and retirement decisions.
For over 30 years, Kevin has been helping people just like you listening today cross that retirement finish line stress free with confidence.
How can he help you? Find out when you call for a complimentary Portfolio Review. Let Kevin get a look at where you stand today and how that matches with your retirement goals. He'll also share strategies with you that can help you and your income plan!
Have you ever asked for help and the response you get is as if they’re talking in a different language? At that point, you’re even more confused than when you started! When it comes to your income and planning for retirement, Kevin Bock, of Integrity Retirement Solutions, takes time to get to know his clients and makes it simple and easy to understand the income and planning process. Retirement is more than just your money. Kevin explains how his 6 pillars for a successful retirement can take you to and through retirement accounting for income, healthcare, estate planning and more!
Kevin has been helping people just like you put together the perfect income plan for three decades! Contact Kevin for a complimentary Portfolio Analysis. This meeting can be over the phone, a virtual meeting OR you can come in the office. Let Kevin be your Financial Contractor and BUILD the retirement you have always dreamed of while NEVER running out of money!
Over the past 30 years, we’ve found many people have several different advisors. They might have an investment advisor or two, an insurance professional or two, an accountant or tax preparer, and a legal attorney. Almost none of those advisors talks to the others. What do you think can happen if each advisor is doing their “own thing” without collaborating?
To solve this problem, we created our Pillar Planning Process, the six key pillars toward a successful retirement.
When you meet with Kevin, he'll walk you through each step of his 6 Pillars for a Successful Retirement to create a specific custom income plan for you.
- Income Planning
- Asset Planning
- Tax Planning
- Healthcare Planning
- Legacy Planning
- Legal Planning
Call Kevin Today!
One result of the economic downturn is that some companies are making “early retirement” offers, in hopes of cutting expenses. But, as a story in Kiplinger points out, these proposals sometimes come “too early and with too few zeros” to justify an actual retirement. Kevin explains what he would recommend his listeners to consider, if they receive a buy-out offer?
While there’s never a good time for a market downturn, J-P Morgan’s Anne Lester says it’s especially bad if the downturn hits early in your retirement…Since we have no control over when markets go up or down, how do we guard against that?
Call Kevin for your COMPLIMENTARY Portfolio Review!
Kevin explains his "My Employer Cares" Program, the benefits it offers to employers and employees you cant find anywhere else.
Plus, what to expect now during these uncertain times, how you can be proactive during quarantine and why it's important to NOT ignore your finances now more than ever. Your future won't wait, the market won't wait - what are YOU waiting for?
Kevin is holding phone meetings as well as ZOOM meetings during this time. Call today to setup a time to talk and see how Kevin can help you today!
Kevin recently joined Bloomdaddy on "Whats the Buzz"!
Are you worried about your money? Have you checked your 401(k) lately? Do you know how much risk you are taking? Have you saved enough to retire in 2020? These are common questions that many others are asking themselves as well as gas prices plummet, the market is struggling to go back up and it seems we are headed towards uncertain times. So, how can Kevin help you?
First - you need a PLAN. If you already have one, Kevin can act as a second set of eyes, if you don't have one - YOU NEED ONE.
Kevin explains how his approach to building financial success is like being a contractor building your dream home. Kevin explains his process plus how his 6 pillars to a successful retirement can help you get on track, stay on track and reach that retirement finish line with confidence!
Contact Kevin today and setup a virtual meeting today!
If you're looking for toilet paper and want to support local business, stop by Burgher Burger in Irwin. Every to go order gets a roll!
Will have to put retirement on hold this year? Is this comparable to 2008? Kevin says this is NOT doomsday. You have a few choices , do nothing or do something. You can practice social distancing and wait out Corona Virus, but you can't WAIT to see what your money does. Do SOMETHING and call Kevin today to set up that time for the virtual meeting. This virtual meeting is similar to FaceTiming your friends and grandkids! Its simple, it's easy and you can do it from your couch!
Kevin explains why you should not panic with the recent volatility due to Corona Virus and what to expect moving forward. Plus, how you can capitalize on this down market.
Kevin discusses what you should really be concerned about given our current market and economic status and is this the best or worse time to be making financial decisions? Just a few weeks ago, ongoing concerns about the corona virus led to a sharp drop in the market recently, triggering so-called “circuit breakers” that are designed to keep stocks from falling even further. But Stacey Cunningham, president of the New York Stock Exchange, told CNBC that it was only a precautionary measure… but is she right when she says it’s still a long-term market?
If you would like to set up a time to speak with Kevin or to setup a digital meeting, call today 724-837-3553.
In the past few weeks we have seen the market go up and down several times, many questioning if we are headed towards another recession like we had in 2008. How can you protect yourself against this volatile market? Kevin can help!
Have you heard of the new Secure Act that President Trump signed into law? Do you know how it will affect your money and your retirement? If you already have a retirement income plan in place OR you are starting the process, it’s important to note these major changes and adjust your plan to avoid financial mistakes in the future.
Some of the key changes impact IRAs, RMDs among many others. Kevin explains how this new Secure Act will affect your taxes, your income, and leaving a legacy for your heirs. Kevin shares a story of how one client was supposed to inherit $1.4million and after meeting with Kevin and using the proper tools and strategies, he will not inherit $2.5million after taxes!
A survey by the website finder-dot-com estimates that Americans spent nearly 40-billion dollars last year … on drunk shopping! Kevin talks about other common financial (retirement planning) mistakes he see’s people make and how you can avoid them. Under the new Secure Act (signed into law by President Trump in Dec. 2019) you have to claim your RMDs at 72, Kevin discusses options on where you can put that money.
Think about it… how often do you look at any statement to see the fee’s that are included in your bill? If you’re like many, you never do! This could be a big mistake when it comes to planning for your retirement. You need to know what fee’s you are paying, how you can minimize these fee’s or get rid of them entirely! Chances are, you are throwing money down the drain paying unnecessary fees. Kevin can help you identify these fee’s and show you how to understand your money, call today!
For over 30 years, Kevin has helped individuals just like you prepare for retirement. Did you know that when you meet with a money manager they are only focused on your money and growing your money? BUT, when you meet with Kevin, a holistic planner, think of him as being the contractor building your dream home. Like building a house, the contractor lays the foundation, and oversees the framing, overall building process. Same in retirement – Kevin sets the foundation and oversees the building process of your income plan all while protecting and growing your money. Build your dream retirement today!
Happy New Year! The # 1 fear when it comes to planning for retirement, is running out of money. Take that first step and be proactive TODAY to prohibit any bumps along the road in the future. We went through many tax changes in 2019, how will it impact your finances in 2020? How can you convert your savings into income that you can’t outlive? Kevin talks about changes you can make in 2020 where you can minimize your taxes, maximize your opportunities and protect your assets for you and your family using his six pillars for a successful retirement.
The #1 concern in retirement is running out of money and the #1 reason for running out of money is unplanned catastrophic medical expenses. The average couple in retirement will spend $280,000 on healthcare and that doesn’t include long term care needs. Plus, 73% of retirees over age 65 will need some form of long term care in retirement. This is why it’s so important to meet with a professional, like Kevin, a Certified Senior Advisor (CSA). Kevin can take you through the planning process leaving no stone unturned to give you the retirement you deserve.
The #1 concern in retirement is running out of money. Coming in at a close 2nd is the cost of healthcare. Did you know that 73% of people over the age of 65 will need long term care at some point? Plus, the average cost a couple pays for healthcare is 280K and this does NOT include the cost of long term care. So, how do you pay for it ? Then, what are RMDs and how can you avoid one of the biggest tax penalties there is ? With 30 years of experience, Kevin explains what makes him stand out and how he can help you plan for the aging process.
How confident are you about your financial future in retirement? A recent survey found that 64% of workers are confident, this number is up from 60% in 2016. Sometimes, being over confident can unfortunately lead you to make wrong decisions, which could cause you to lose an unspeakable amount of money. What’s your risk tolerance? Do you have control over your financial future? Kevin discusses his six pillars for a successful retirement, how to create a customized plan that is protected against potential losses, and why it’s important to work with a professional – especially if you’re five years from your targeted retirement age.
Social Security is the guaranteed income that we are all looking forward to, right? Over 63 million people (that’s more than 1 in every 6 residents) collected SS in June of 2019. The bad news is a third of us will have to pay taxes on our Social Security benefits. The good news - there’s are solutions to avoid this happening to you. That’s why it’s crucial that you have tax strategies in place to reduce your taxes on SS and taxes overall in retirement. Kevin Bock, of Integrity Retirement Solutions, has over three decades of experience and helps people just like you every day. Kevin can help build a customized income plan just for you, with strategies to minimize your taxes in retirement and even show you how you can have a tax freeretirement!
Have you thought about putting together an estate plan to protect your family and your assets? Get this, Ameriprise Financial says 5% of Americans plan on leaving money to their pet(s)! Do your clients typically have specific ways they want to pass down an inheritance? Plus, why Kevin’s 6 pillar planning process makes him different than other advisors.
It’s the biggest generational wealth transfer in history! Baby boomers will leave an estimated $68 trillion dollars to their children, yet many will make big mistakes in the way they set up their inheritance, meaning their children will lose lots of money to taxes. How can you make sure you don’t make this mistake? Kevin explains how it’s possible to minimize fees and taxes and even have a tax free retirement.
The annual Retirement Confidence Survey finds that most Americans are over-confident about how prepared they are for retirement. I guess it’s good to be positive but how do we know whether our confidence is justified? Plus, how can you minimize market risk as you get closer to retirement?
What do you need to know about the new tax reform? How will it affect your retirement? Is it possible to have a tax free retirement? “The IRS” spells, THEIRS, let’s keep your money YOURS!