My Retirement Clarity with Lee Perkins: Recent Episodes
Lee Perkins
Financial and retirement planning with financial planner Lee Perkins, president of JL Perkins Wealth Management in the Macon, Georgia area. Get ready for a good dose of inspiration, simplicity, implementation and, of course, clarity on each and every show. Lee will explore the ways you can successfully prepare for retirement and how to grow and preserve your wealth.
This week's episode is a little different.
Rather than discussing investments or retirement strategies, Lee takes a moment to reflect on gratitude, opportunity, and the perspective that shapes the way we experience life. Recording from his new office for the first time, he shares what the building truly represents: another opportunity to serve others and continue building something meaningful.
Lee also explores how gratitude can transform the way we view our circumstances and what makes America so unique despite its imperfections. As Independence Day approaches, this conversation serves as a reminder to appreciate the freedoms we enjoy, the people who sacrificed to protect them, and the countless opportunities available to each of us.
Here’s what we discuss in today’s show:
🏢 New Beginnings: Reflecting on growth and purpose
🙏 Gratitude: Perspective shapes your reality
🌟 Opportunity: The freedom to pursue your dreams
🇺🇸 American Freedom: Appreciating what we often overlook
🎖️ Those Who Serve: Honoring sacrifices for our freedom
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
Financial information has never been more accessible, yet many people are more confused than ever about what to do with their money. Lee explores why having access to endless opinions, headlines, podcasts, videos, and AI tools doesn't necessarily lead to better financial decisions. He also explains how retirees can cut through the noise and avoid getting stuck in a cycle of constant research without action.
Here’s what we discuss in today’s show:
💡 Information Overload: Knowledge doesn't equal wisdom
📱 Social Advice: Bad information spreads fast
🤖 AI Reality: Helpful tool, imperfect guide
🧠 Bias Bubbles: Algorithms reinforce beliefs
🧊 Analysis Paralysis: Research delaying decisions
🚫 DIY Danger: Don't do it alone
🎯 Stay Focused: Prioritize goals over headlines
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
Summer's here. And somewhere between the excitement of planning a big trip and the anxiety of what it costs, a lot of retirees end up doing something that surprises us… they feel guilty about it. They worked hard, they saved, they planned for decades, and then they second-guess a beach vacation. Today, let's talk about how travel fits into a real retirement plan and how to enjoy it without guilt.
Here’s what we discuss in today’s show:
✈️ Retirement is the time to enjoy the experiences you've spent decades planning for.
💰 Creating a dedicated travel fund can make spending feel intentional instead of stressful.
🧠 The psychology of spending often becomes more challenging once the paycheck stops.
🌎 Most retirees travel more in the early years of retirement and gradually slow down over time.
👨👩👧👦 Many retirees are choosing experiences and family travel over simply leaving larger inheritances.
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
We're doing something a little different today. Three listeners wrote in with variations of the same question- am I ready to retire in 2026? Same question, three very different situations, three very different answers.
Here’s what we discuss in today’s show:
📉 Why scary headlines can derail smart retirement decisions
🧠 The emotional side of retirement most people ignore
🏥 Medicare gaps and pension timing considerations
📺 How media fear impacts investor behavior
📋 Why a retirement plan helps prevent costly mistakes
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
If you want unfiltered financial advice, don’t just read a book, scroll the comments. Spend five minutes on Reddit or YouTube, and you’ll find people being brutally honest about what they wish they had done differently with money. Today, Lee breaks down some of the biggest financial regrets younger adults face and why small decisions early in life can quietly shape your future. The earlier you recognize these habits, the easier it becomes to build confidence, flexibility, and long-term financial stability.
Here’s what we discuss in today’s show:
💸 Start Early: Compounding rewards consistency
💳 Credit Card Trap: Minimum payments create long-term debt
🏦 Too Much “Safety”: Inflation quietly erodes cash
🎁 401(k) Match: Free money gets ignored
🧭 No Real Plan: Lifestyle creep steals opportunity
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
You spend decades building your savings, then retirement comes, and spending it feels harder than expected. Lee dives into why that shift is so difficult and what’s really going on beneath the surface. He looks at the real reasons people hold back. Without a plan and the right mindset, it’s easy to miss out on the retirement you worked so hard to build.
Here’s what we discuss in today’s show:
⚠️ Fear of Running Out: Drives hesitation at any wealth level
🔄 Habit Problem: Saving mindset doesn’t turn off
🧠 Emotional Barriers: Past experiences shape behavior
💸 Guilt Factor: Legacy goals can limit enjoyment
📊 Plan Creates Confidence: Clarity makes spending easier
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
Your annual financial review might be the most important hour of your financial life, but only if it’s done right. In this episode, Lee breaks down what a great review should actually look like and why it should go far beyond just investment performance. The goal isn’t to check a box once a year; it’s to make sure your plan is still aligned with your life.
Here’s what we discuss in today’s show:
📅 Annual Reviews Matter: One of the most valuable financial meetings you’ll have
💬 It Starts With You: The best reviews begin with what’s on your mind
📊 Beyond Performance: It’s not just about returns and benchmarks
🧾 Full Planning View: Taxes, income, goals, and life changes all matter
🤝 Advisor Value: A good advisor focuses on your life, not just your portfolio
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
There was a surprising retirement announcement tucked inside the State of the Union, one that could impact millions of Americans without access to employer-sponsored plans. In this episode, Lee shares his early reactions to the proposal, which introduces a government-managed retirement account with a potential federal match. He also shares a special announcement about his firm.
Here’s what we discuss in today’s show:
🏛️ Federal Match Idea: New proposal for $1,000 match
🧾 Plan Details: Government-run retirement account concept
🧠 Behavioral Reality: Free money doesn’t guarantee action
📊 Real Impact: May not move the needle for many
🎓 Next Gen Workshops: Teaching kids real-world money skills
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
Nobody enjoys tax season, but for new retirees, the transition from working income to retirement income can create a whole new set of tax challenges. Lee breaks down several common tax pitfalls that new retirees often face, inspired by a recent financial article and real-world client conversations. Tune in to find out how thoughtful planning can help retirees avoid unpleasant surprises and keep more of their money working for them in retirement.
Here’s what we discuss in today’s show:
📅 Ignoring Upcoming RMDs: Required distributions catch many retirees off guard
🔁 Roth Conversions Done Wrong: Poor timing can create unnecessary taxes
⚠️ Social Security Tax Surprise: Benefits can become taxable depending on income
👨👩👧 Planning for a Spouse or Heir: Survivor taxes can reshape the financial picture
🏛️ Who Gets the Money?: Without planning, the IRS may get a bigger share
🚀 From Advice to Action: Strategies only work when they’re actually implemented
Read The 5 Biggest Tax Mistakes New Retirees Make in the First 5 Years
https://www.kiplinger.com/taxes/tax-planning/biggest-tax-mistakes-new-retirees-make-in-first-years
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
In this episode, Lee opens the mailbag to tackle the questions he hears most often in real-life retirement conversations. He addresses the tradeoffs behind major financial choices, the emotions around market ups and downs, and the confusion many feel about key retirement milestones. You’ll hear how he helps people think through these issues so they can move from worry to clarity about their next phase.
Here’s what we discuss in today’s show:
🏊 Swimming Pool Debate: Lifestyle upgrades vs long-term financial impact
📉 Market Drop Fears: What to do when correction anxiety hits
🧓 Social Security Timing: Early vs delayed benefits and what matters most
💼 401(k) Rollover Rules: When you can move money and when you can’t
🏥 Long-Term Care Planning: Insurance options and proactive protection strategies
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
Everyone has an opinion about money, especially the ones with microphones and book deals. Lee weighs in on some of the most talked-about financial advice circulating today. Some ideas have merit. Others sound better on stage than they work in real life. The key is knowing how to separate entertainment from practical planning.
Here’s what we discuss in today’s show:
🎙️ Financial Influencers: Entertainment vs real-world advice
📘 Rich Dad Mindset: Startup risks and alternative assets
🏦 Just-In-Case Cash: Three-to-five year reserve debate
🏠 Buy vs Rent: Lifestyle, appreciation, and flexibility
🤖 AI & Retirement: Bold predictions and real-world reality
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
Retirement planning rarely follows a straight line, and today’s listener questions prove it. In this special mailbag episode, Lee tackles real questions that reflect the decisions and uncertainties people face in retirement. Along the way, he addresses common retirement myths and shares his perspective on managing risk, keeping things simple, and enjoying life while you’re still healthy.
Here’s what we discuss in today’s show:
💰 Retirement Income Sources: Where bonds fit and where they don’t
👩 Single at 62: Prioritizing income, health, and simplicity
🛡️ Long-Term Care Planning: Why inheritances aren’t a strategy
🏢 Unexpected Job Loss: Options when work ends earlier than planned
⏰ Retirement Timing: Navigating different comfort levels between spouses
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
There’s no shortage of financial advice out there, and unfortunately, not all of it is good. Some of the most damaging retirement mistakes don’t come from reckless behavior, but from ideas that sound reasonable and get repeated often enough to feel true. Today, we’re busting some of the most common retirement planning myths and explaining why believing them can quietly derail an otherwise solid plan.
Here’s what we discuss in today’s show:
📄 Why bigger financial plans aren’t better
🏠 The limits of “just having a will”
💍 The real income needs of a surviving spouse
📉 Why stopping spending in a downturn doesn’t work
💰 Common myths around Social Security and taxes
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
Turning 62 might not feel like a milestone birthday… until you realize the Social Security clock just started ticking. Filing now could put money in your pocket sooner or cost you tens of thousands over a lifetime. How do you pick the right strategy? Let’s break down how to think through one of the biggest retirement decisions you’ll ever make.
Here’s what we discuss in today’s show:
🕒 Why many retirees choose to claim Social Security at 62
📊 The trade-offs between early filing and full retirement age
💼 How working impacts Social Security through the earnings test
💍 Spousal and survivor benefit considerations
💡 Using Social Security strategically to enhance your retirement lifestyle
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
Nothing will mess with your financial confidence faster than comparing your savings to your brother, your coworkers, or that guy on YouTube who claims he retired at 35. Your retirement number isn’t a competition. Today, Lee talks about what really matters when you’re trying to figure out if you’re behind on your savings goals…and what to do if you actually are. Everyone’s financial story is different. Once you stop comparing and start planning, you’ll know exactly what steps to take next.
Here’s what we discuss in today’s show:
🔍 Comparison steals joy and creates unnecessary retirement stress
💰 Your retirement number is personal, not a competition
📉 Expenses, not savings, determine how much you truly need
📈 Comparing investment returns is misleading and unhelpful
🛠️ Focus on controllable actions like saving and budgeting
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
We've all heard the saying there is no such thing as a bad question, but in retirement planning, some questions are definitely better than others. In this episode, Lee explains the five questions smart investors ask and explains how reframing each one leads to better decisions, stronger strategies, and more confident planning. The smartest investors don’t just look for answers. They learn to ask better questions.
Here’s what we discuss in today’s show:
📰 Office News: team update and new advisor announcement
💰 How Much Do I Need? Reframing savings into income needs
🏥 Long-Term Care: exploring all coverage options instead of rolling the dice
💸 Fees vs. Value: understanding what you truly get for the price
🧾 Taxes: shifting the conversation from “this year” to lifetime tax savings
📉 Market Fear: building a portfolio that works in every market—not timing the chaos
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
Considering marriage in your 50s or 60s? While it's a time for new beginnings and happiness, it can also introduce unique financial challenges. In this episode, Lee shares expert insights on navigating retirement planning when two lives- and two sets of finances- come together. Discover how honest conversations today can strengthen your relationship and ensure your legacy for the future.
Here’s what we discuss in today’s show:
💍 Remarriage & Retirement: blending lives without merging finances
💬 Financial Transparency: why honesty builds long-term stability
💵 Cash Flow Planning: aligning income and spending in retirement
📊 Separate Accounts: managing assets while planning together
👨👩👧 Family Balance: protecting children and shared goals
⚖️ Ground Rules: setting expectations before you tie the knot
Check out our upcoming workshops:
https://jlperkinswealth.com/attend-an-event/
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
The mail’s here! Today, Lee answers listener questions about life, money, and retirement planning. Each scenario highlights the unique challenges people face as they approach or live through retirement, and the importance of making confident, well-coordinated decisions along the way. Most times, the best advice doesn’t come from Google, it comes from experience, wisdom, and planning.
Here’s what we discuss in today’s show:
💰 Income Boost: how to handle a sudden increase in earnings
👵 Parents’ Financial Health: addressing concerns and planning for their future
📆 Social Security Choices: deciding when and how to claim benefits
🏡 Vacation Home Dilemma: the pros and cons of buying property with family
Check out our upcoming workshops:
https://jlperkinswealth.com/attend-an-event/
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
Think having two financial advisors gives you an edge? Think again. It might sound smart, but splitting your investments often leads to mixed messages, conflicting strategies, and costly mistakes. Today, Lee exposes the hidden dangers of a “too many cooks in the kitchen” approach to money, and why one clear, trusted voice can make all the difference in your financial future.
Here’s what we discuss in today’s show:
💸 Why People Split Money: common reasons investors divide their assets between firms
🗣️ Coordinating Advice: the challenge of getting everyone on the same page
📊 Returns Race: why chasing short-term performance hurts long-term goals
📉 Investment Overlap: certain strategies can double your risk instead of spreading it
Check out our upcoming workshops:
https://jlperkinswealth.com/attend-an-event/
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
The mailbag is open! In this episode, Lee tackles real-world listener questions that hit on some of the most common dilemmas retirees face. First up: should you buy that RV with debt, or withdraw from your IRA and take the tax hit? Then, how do you know if a life insurance “investment” pitch is a smart opportunity or just a sales tactic to avoid?
Next, Lee addresses a common concern: what should you do with a large 401(k) balance when you don’t fully understand investing? He explains why saving is great, but strategy is essential. He also breaks down when it makes sense to use a Roth 401(k) option at work. From there, the focus shifts to retirement psychology: what if you’re afraid of running out of money? Do you need to cut back or go back to work? Lee explains why neither is ideal and what to do instead. Finally, we hear from a listener who received a surprise inheritance and wants to know how to navigate IRAs, stocks, and property the right way.
Here’s what we discuss in today’s show:
🚐 RV dilemmas – buy with debt or tap your IRA?
🛡️ Life insurance sales – smart questions to ask before saying yes
📊 401(k) reality check – saving isn’t enough without a strategy
🔄 Roth 401(k) choices – when shifting contributions makes sense
💸 Running out of money – how to calm the fear of going back to work
🏡 Getting a surprise inheritance – how to manage it wisely
Check out our upcoming workshops:
https://jlperkinswealth.com/attend-an-event/
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
Well, you’re retired. Now what? Some people follow the “first year rule,” believing the majority of your best retirement months will happen in those first twelve. But if you don’t approach this season with intentionality, you could set the wrong tone emotionally and financially. In this episode, Lee shares the five essential steps every new retiree should take during year one.
You’ll hear real stories and practical advice, like how to stay healthy, find purpose, and even test-drive big lifestyle changes before making them permanent. The habits, routines, and choices you make early in retirement will echo through the years ahead. Be intentional now, and you’ll set yourself up for a retirement that’s not only financially sustainable but also deeply fulfilling.
Here’s what we discuss in today’s show:
💸 Adjusting to spending when “every day is Saturday”
📊 Building a tax-smart withdrawal strategy
🎯 Establishing routines and finding purpose beyond hobbies
🏃♂️ Prioritizing health and preventative habits early
🚗 Testing driving your long-term plans
Check out our upcoming workshops:
https://jlperkinswealth.com/attend-an-event/
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
If your parents or grandparents passed away young, it’s natural to wonder: Should I grab Social Security as early as possible? It sounds simple, but the truth is far more nuanced. In this episode, Lee unpacks why longevity isn’t just about family history. Advances in medicine, modern lifestyles, and the kind of retirement you envision all play a huge role in when (and how) you should claim benefits.
Lee explains what early filing actually does to your benefits, why spousal considerations matter, and how delaying benefits can increase overall lifetime income for you and potentially for a surviving spouse. Instead of making this decision in a vacuum, Lee shows how Social Security fits into your broader financial plan alongside pensions, savings, and other income sources.
Here’s what we discuss in today’s show:
🧬 Family history vs. actual longevity factors
💵 How delayed credits can boost your benefit
❤️ What happens to Social Security if a spouse passes away first
🔄 Trade-offs of using your own assets vs. claiming early
📊 Using Social Security in a comprehensive plan
Check out our upcoming workshops:
https://jlperkinswealth.com/attend-an-event/
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
You’ve probably said it before. ‘I ran the numbers, and I should be fine.’ But what if the math you're relying on isn’t telling the whole story? Today, we’re unpacking some of the most common examples of fuzzy retirement math- rules of thumb and assumptions that sound good on paper but can derail your plan if you take them at face value.
Lee breaks down why average returns don’t tell the full story, why the 4% withdrawal rule isn’t a guarantee, and why relying only on dividends or assuming you’ll spend less in retirement can backfire. He also explains how taxes and Social Security decisions are often misunderstood, and why flexibility- not formulas- is the real key to retirement success.
Here’s what we discuss in today’s show:
📉 Average returns don’t guarantee consistent growth
💸 The 4% rule isn’t always reliable for withdrawals
📊 Dividends and interest alone can create unstable income
🛍️ Retirees often spend more, not less
💰 Many people stay in the same tax bracket in retirement
⏳ Waiting until 70 for Social Security isn’t always best
Check out our upcoming workshops:
https://jlperkinswealth.com/attend-an-event/
Today, Lee dives into an important topic for federal employees: the Thrift Savings Plan (TSP). While the TSP is a powerful accumulation tool, it may lack the flexibility needed in retirement. Lee explains why reaching age 59½ is a critical turning point and how rolling over TSP funds into an IRA can provide greater control, investment options, and tax planning strategies.
He highlights both the strengths of the TSP- like low fees, simplicity, and automatic payroll deductions- and its limitations in terms of withdrawal rules and lack of integration with broader financial planning. Lee also shares a client story to illustrate how a personalized plan can make a big difference. If you’re approaching retirement and want to make smart, strategic decisions with your TSP, this episode is a must-listen.
Here’s what we discuss in today’s show:
💼 TSP has ultra-low fees, but few options
🎯 Age 59½ opens rollover opportunities
🔄 How rolling over to an IRA offers flexibility and options
🧾The benefits of a personalized tax strategy
Want to set up a meeting with us? Visit us here: http://talkwithjlp.com
Get more financial education at http://myretirementclarity.com
When it comes to planning for retirement, we often obsess over dollars and cents. But what if the most valuable resource isn’t money at all, but your time? In this episode, Lee shares two compelling client stories that illustrate just how differently people approach time and wealth. One couple clung tightly to their growing nest egg, postponing their dreams until it was too late. Another took a leap of faith, prioritized experiences, and now lives a life full of travel, generosity, and joy.
Are you stuck in the mindset of saving for someday, or are you prepared to start living now? Today, Lee challenges what you might think it means to be “ready” for retirement. He unpacks the emotional weight of financial decision-making and offers a clear call to action: use your resources while you still have time to enjoy them.
Here’s what we discuss in today’s show:
🏔️ The sad story of a dream mountain house that never got built
💸 How over-saving can rob you of the joy you already earned
🎉 A couple with less money, but more memories, thanks to confident planning
👨👩👧👦 Why giving money to grandkids now might be more rewarding than leaving an inheritance
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
In a world filled with so much uncertainty, it’s easy to feel overwhelmed by what you can’t control. Volatile markets, shifting tax laws, and political noise don’t seem to be going away anytime soon. But when it comes to retirement planning, there are things you can control, and they’re far more powerful than most people realize. In this episode, Lee walks through the four key areas retirees should focus on to build clarity, confidence, and peace of mind.
He shares how his “financial house” model helps retirees decide how much risk they’re comfortable with, and why flexibility is the key to effective income planning. You’ll also hear why it’s worth paying attention to future tax exposure and how to plan around Social Security instead of depending on it. Rather than obsessing over political gridlock or looming program changes, Lee shows how to reduce reliance on government promises and build a retirement plan that stands strong regardless of what’s happening in Washington or on Wall Street.
Here’s what we discuss in today’s show:
📉 Managing how much risk you take
💰 Designing income streams in retirement
💼 Avoid future tax-time surprises
🚫 Not letting Social Security be your only plan
🧠 Why obsessing over headlines can undermine your retirement confidence
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
The 4% rule gets talked about like gospel in retirement planning. But let’s be honest, it’s always been more of a rough guess than a golden rule. Now, its original creator is revising it to 4.7%. So, does that mean your retirement paycheck just got a raise, or is this just another headline that oversimplifies a complex decision? In this episode, Lee explores the deeper reality behind this rule change and why your withdrawal rate should depend on more than just a headline number.
While a higher number might feel like a green light to spend more, Lee emphasizes that real retirement planning requires a personalized approach, not just a rule of thumb. From sequence-of-returns risk to changing needs over time, this conversation helps unpack why no single rule fits everyone.
Here’s what we discuss in today’s show:
📢 What the new 4.7% rule actually means
🧩 How your spending needs shift across retirement phases
💬 What to consider before adjusting your retirement income
🛠️ How Lee’s team stress-tests your plan for long-term success
Resources for this episode:
Read the full Investor’s Business Daily article here: https://www.investors.com/etfs-and-funds/retirement/four-percent-rule-for-retirement-new-withdrawal-rate/
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
You’ve always been told to save for retirement, but can you go too far? Is it actually possible to over-save for the future? In this insightful episode, Lee answers a compelling listener question about what happens when saving becomes so aggressive that it starts to limit your lifestyle today. He dives into the emotional and practical downsides of over-saving, the dangers of comparing yourself to others, and how to strike a balance for long-term fulfillment.
If you’re maxing out your retirement accounts and feel like you’re living paycheck to paycheck, this conversation is for you. Lee offers practical insights for building a financial plan that includes your bucket list, not just your retirement date. Financial security isn’t just about having enough money later, it’s also about making the most of your life now. Life is short. Let’s make sure your plan reflects that truth.
Here’s what we discuss in today’s show:
💸 Why “saving more” isn’t always the right answer
📅 The emotional cost of deferring joy until retirement
📉 Warning signs you might be sacrificing too much today
🏖️ How to build a plan that supports both now and later
📊 Why financial planning should include your bucket list
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
Graduation season isn’t just a time for caps, gowns, and celebrations, it’s a pivotal financial crossroads for many young adults stepping into independence. As they leave the classroom behind and enter the workforce, the financial decisions they make now can quietly shape the next 40 years of their lives. Today, Lee talks about why it’s so important for parents, grandparents, and mentors to help them lay a solid foundation, not just with money, but with mindset.
Listen in as Lee shares practical ways to equip recent graduates for long-term success. From starting an emergency fund to making early Roth IRA contributions, he outlines the key conversations and habits that matter most. He also reflects on real stories, including his own, and offers creative gift ideas for families who want to offer more than just a check.
Here’s what we discuss in today’s show:
🧠 Life lessons for financial independence at 22, not 52
💳 The sunglasses that taught Lee a credit card lesson
📈 Why your first paycheck is your best investment weapon
🔥 The two-fund strategy: emergency vs. “fun” money
🎁 Gift ideas for graduates that build wealth
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
The headlines are loud, the markets are messy, and your gut might be telling you to do something — anything — right now. If recent volatility has you feeling uneasy, you're not alone, but reacting the wrong way can cost you far more than a bumpy month in the markets. In this episode, Lee breaks down how tariffs and trade tensions are fueling market swings and what that really means for your retirement plans. He also shares practical steps to stay calm, stay invested, and keep your financial house in order.
You'll learn why short-term chaos often clouds long-term fundamentals, why diversification is more critical now than ever, and how emotional decisions derail otherwise solid strategies. Plus, you'll hear how past crises hold key lessons for investors today. Tune in to learn more about how to navigate times of market volatility and hold onto peace even when the headlines are telling you it’s time to panic.
Here’s what we discuss in today’s show:
🌍 How tariffs and trade wars impact your portfolio
📉 Why volatility spikes and why it’s normal
🏠 Building a strong financial "house" to weather storms
📊 The real power of diversification during chaos
🔮 Why patience beats prediction every time
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
Reinvention can be exciting, but is it risky when retirement is on the horizon? In this episode, Lee answers a question from a listener who wants to shift from corporate life to a new career in real estate at age 53, using IRA withdrawals to stay afloat during the transition. He also breaks down why early withdrawals can be financially dangerous and how commission-based careers may not offer the stability needed in this phase of life.
Beyond the technical advice, Lee explores the emotional side of starting over, how to balance passion with practicality, and what questions to ask before making a leap. He shares a practical framework for pursuing your passion without jeopardizing your long-term goals: get clarity, know your value, and make sure someone is willing to pay for the problems you solve.
Here’s what we discuss in today’s show:
🚫 The penalty trap of early IRA withdrawals
🏦 Why 401(k) rules after age 55 offer more flexibility
📉 The income risks of commission-based careers
🧠 How to turn passion into a paid skillset
💼 Why a salaried job may offer better financial stability
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
Many people approach retirement age asking the question, “Have I done enough?” It’s a common worry, but are they really focusing on the right things? Based on a survey of nearly 400 experienced advisors, Lee explores the gap between what clients fear and what he believes truly deserves their focus when planning for retirement. He unpacks why concerns like outliving your money and market crashes dominate our minds and the two key factors he believes matter more.
Retirement is often seen as a time of relaxation and enjoyment, but it can also be fraught with anxiety and uncertainty. Understanding the common worries can help individuals better prepare for this important phase of life, even in the wake of rising costs and increasing life expectancies. Tune in for tips on how to feel more confident about your financial future!
Here’s what we discuss in today’s show:
📉 Outliving your money is a top fear but solvable with the right plan
📬 Reliable income = confidence in retirement
🧾 Healthcare is a concern, but not the only thing worth planning for
👫 The financial impact of losing a spouse is often underestimated
💸 Don't just save money- learn how to spend it purposefully
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
March Madness is here, and just like filling out a bracket, picking individual stocks can feel like a thrilling gamble. But the odds of winning big are slim. In fact, history shows that most stock picks, like most brackets, end up busted.
Many investors can’t resist chasing big wins, even though diversification is a smarter play. One economist, Hendrik Bessembinder, analyzed the returns of nearly a century of stock performance. Let’s compare what he found to March Madness history and uncover what March Madness can teach us about investing!
Here’s what we discuss in today’s show:
🏆 Many people guess winners, the majority lose money
📉The odds of sustainable success are slim
❌ The most familiar choice doesn’t mean victory
📚 Lee’s financial lessons and takeaways
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
For years, $1 million was considered the gold standard for retirement savings. But is it really enough? In this episode, Lee and Ben explore just how far that million-dollar nest egg can take you in retirement, depending on where you live.
Recent studies reveal a stark reality: in some states, $1 million could last a lifetime, while in others, it may barely cover 15 years. But geography isn’t the only factor. Spending habits, debt, and lifestyle choices all play a crucial role in determining whether your savings will truly sustain you.
Here’s what we discuss in today’s show:
💰 How long $1 million lasts in retirement across different states
💳 The biggest factors that impact your retirement savings beyond location
🧩 Why retirement planning is not one-size-fits-all
🌴🏖️ How to determine if your nest egg is truly enough for the retirement you envision
Resources for this episode:
📌https://www.gobankingrates.com/retirement/planning/how-long-million-last-retirement-state/
📌https://www.gobankingrates.com/retirement/social-security/how-far-1-million-plus-social-security-goes-in-every-state/
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
If you’ve spent years successfully managing your own investments, do you really need a financial advisor? That’s the question Bob, one of our listeners, sent in. He’s got an MBA, knows the markets well, and has always handled his portfolio solo.
So, is working with an advisor just an extra expense, or could it actually add real value? In this episode, we break down when and why even experienced investors might benefit from professional guidance and when they’re probably fine on their own.
Here’s what we discuss in today’s show:
- Beyond just investments, where do financial advisors typically provide value that DIY investors might not consider?
- What are some common financial blind spots or mistakes that smart DIY investors tend to overlook?
- How should experienced investors plan for a future where they may not want (or be able) to actively manage their portfolio?
- What Lee would say to investors who are skeptical that an advisor could improve their financial situation
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
This week, Lee and Keith dive into Carl Richard’s timeless article, Pretending To Be An Investor Is Dangerous, and discuss how to avoid the common mistakes many people make when managing their investments, particularly as they approach retirement. They explore what it means to be a "pretend investor" and break down the six key behaviors that can derail your financial security- from obsessing over short-time market fluctuations to chasing the latest hot stock.
Tune in for a great discussion on how to focus on what truly matters- your financial health- while avoiding the distractions and fears created by the news cycle and peer pressure. You’ll learn why sometimes, ignoring the chatter is the smartest move you can make with your retirement funds.
Here’s what we discuss in today’s show:
- Staying committed to your long-term investment strategy instead of reacting to headlines
- Not letting daily market fluctuations sway your decisions
- Focusing on your personal financial goals rather than global economic events
- Avoiding the temptation to compare your strategy to others or chase the latest trends
- Recognizing that market volatility is normal- and not always a bad thing
Resources for this episode:
Check out more articles from Carl Richards here:
https://behaviorgap.com/
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
A recent article on Fortune highlights a growing trend among baby boomers: continuing to work well into their 60s and 70s. Surprisingly, this is not out of necessity, but for the mental stimulation, social connections, and fulfillment that work provides. With nearly 20% of Americans over 65 still employed, this shift is challenging traditional views of retirement and sparking important conversations about what it means to truly retire.
Join us as we explore this growing trend on today’s show. Lee has witnessed firsthand how retirement goals have shifted in recent years and is having more frequent conversations with clients about the evolving landscape of retirement. Is staying in the workforce the right choice for you?
Here’s what we discuss in today’s show:
- How Lee is seeing this trend in his own practice
- Lee's advice for those struggling with a loss of purpose or loneliness after leaving the workforce
- Financial considerations for those thinking about part-time or contracting work
- How working longer impacts the financial planning process
- The shifting attitude toward work and retirement in younger generations
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
As we step into 2025, many of us set New Year’s resolutions—whether it’s eating healthier, exercising more, or cutting back on a vice. But what if we also focused on improving our attitude toward money?
The New Year is a great time for a reset and to adjust our attitudes when it comes to finances, and in this episode, Lee will break down what some of those financial attitude shifts could be. From being more mindful of the long-term financial impact of today's decisions to taking that first step toward building a retirement plan, there’s always room for improvement when it comes to managing money.
Let’s kick off 2025 on the right financial foot!
Here’s what we discuss in today’s show:
- Consider your future when making financial decisions
- Finding the balance between saving and spending
- Knowing what you have and where it is
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
In this episode of My Retirement Clarity, Lee sits down with a long-time client and friend, Joey Kinard, to discuss how he and his wife are making the most of their retirement years. From traveling to new places to embracing an active lifestyle, Joey shares what’s been working for them as they enjoy this exciting chapter of life.
Joey’s early retirement was filled with memorable RV adventures. These days, he and his wife enjoy exploring state parks, visiting local farmers markets and festivals, and spending time at their favorite getaway- Alligator Point, Florida. Joey offers great insights on checking off bucket list items, staying active and maintaining a sense of community in retirement.
Along the way, we’ll talk about financial freedom, the importance of knowing your spending habits, and why time is your most valuable resource in retirement. Tune in as we explore what it means to retire with intention and enjoy the journey!
Here’s what we discuss in today’s show:
- Renting a house in Alligator Point and Joey’s experience with RV travels
- Staying in state parks and renting cabins
- Pros and cons of purchasing a vacation home + Joey’s favorite trip
- Staying healthy and active in retirement
- The importance of understanding your retirement spending
- Farmers markets and festivals that Joey and his wife have enjoyed
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
At JL Perkins Wealth Management, we receive all sorts of questions about financial and retirement planning, but some themes come up more often than others. In today's mailbag edition of the show, we'll tackle some of the most common questions we answer on a daily basis.
Lori wonders whether it’s advisable to help her aging parents financially, especially with potential long-term care needs. Matt asks if he should resume his 401(k) contributions after pausing them due to the election. If you’re listening to this episode, you’ve likely had questions about one or two of these items, so stick with us!
Here’s what we discuss in today’s show:
- "Since I've had my annuity long enough to withdraw without penalty, should I take it all out now?"
- "My husband is nine years older than me, and we have a large life insurance policy on him. What happens if the insurance company goes bankrupt and can't pay the death benefit?"
- "My parents didn’t save much for retirement, so I’m worried about covering long-term care costs. Is it common to help parents financially, or should I try to avoid it if possible?"
- “Should I buy gold coins or gold bars or no gold at all?”
- "My father-in-law recently passed away and left us unexpected money. We want to give it to our son, but I’m worried he’ll just spend it irresponsibly. Any suggestions on how to handle this?"
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
When it comes to retirement planning, it’s critical that you and your spouse are on the same page. That doesn’t necessarily mean that you’ll agree on every little detail, but it does mean that compromise and honest conversations are a big part of navigating the process together.
Join Lee as he dives into why aligning with your spouse is so important, where disagreements tend to arise, and the key topics you should be discussing. Plus, he’ll share how financial advisors can help couples find financial common ground.
Here’s what we discuss in today’s show:
- Getting on the same page financially with your spouse
- What Lee often sees the first time he meets with a couple
- The most important things to discuss with your spouse when it comes to retirement
- What areas cause the most disagreement
- How Lee helps folks find a financial common ground
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
Remember the thrill of shaking a Magic 8 Ball to get answers to your childhood questions? Would we ace that math test? Would we be famous someday? Well, today, we're bringing a bit of that magic back. But instead of asking about pop quizzes and playground crushes, we’re turning to the Magic 8 Ball for advice on something much more important: your retirement planning!
What would the Magic 8 Ball have to say about these common retirement questions if it had the wisdom of a financial advisor?
Here’s what we discuss in today’s show:
- Is a million dollars enough to retire?
- Can I rely on Social Security for retirement?
- Should I be reviewing my retirement plan annually?
- Will my retirement plan be affected by future changes in tax laws?
- Should I focus on paying off debt before increasing my retirement contributions?
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
National Financial Planning Month is here! In this episode, we’ll do a little bit of celebrating as we look at what financial planning truly means, as well as what drew Lee into the field!
We’ll break down what it means to be a fiduciary, how JL Perkins is different from other wealth advisory firms, and what the standard process looks like with us. Lee also shares a key tip to help you avoid starting your financial plan on the wrong foot, along with insights into the work he did before becoming a financial planner.
You don’t want to miss what we have coming today, so pull up a chair and listen in!
Here’s what we discuss in today’s show:
- How Lee got into financial planning, and what he was doing before he started
- How Lee defines financial planning
- What you should have ready when you meet with an advisor for the first time
- What’s different about JL Perkins?
- Not relying on the internet for your retirement advice
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
A random, retired YouTuber did a simple video exploring the top 5 regrets from other retirees he interviewed (all in their 70s). It blew up to almost half a million views (and counting). Let’s see what regrets made the list and, more importantly, explore what proactive steps you can take to avoid having the same regrets when you retire.
Planning and working with an advisor can make all the difference in addressing these regrets. A financial advisor can help you create a personalized retirement plan that balances your financial goals with your desire for a fulfilling lifestyle. Tune in for some valuable insights to ensure your retirement is everything you hope for!
Here are the regrets we discuss in today’s show:
- They wish they had retired earlier
- They wish they had spent more when they first retired
- They wish they took better care of their health
- They wish they had taken up a hobby
- They wish they had traveled more
Retiree regrets video
https://www.youtube.com/watch?v=mNUSJ3juAbA
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
Remember when you were a kid, always asking 'How do you know?' about everything, like why the sky is blue or where the sun goes at night? That curiosity doesn't go away as we get older; it just turns into different questions, like the ones we face when planning for retirement.
Today, we’re digging into the 'How Do You Knows' of retirement planning. How do you know how much income you’re going to need when you retire? How do you know if your retirement plan is tax-efficient? Stay tuned as Lee sheds light on these questions and more!
Here’s some of the how-do-you-knows we discuss in today’s show:
- How do you know how much income you’re going to need when you retire?
- How do you know how much money you should have in your savings account?
- How do you know when you're financially ready to retire?
- How do you know if an advisor is a good fit for you or not?
- How do you know if your retirement plan is tax-efficient?
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
We get a lot of questions about 401(k)s because they can be tricky to navigate. So, in today’s episode, we’re tackling some of the most frequently asked questions about 401(k)s. Tune in for a comprehensive breakdown of what they are, how they work, and how you can make the most of them!
We’ll cover everything from understanding company matches and target date funds to the pros and cons of 401(k) loans and rollovers into IRAs. This is a super informative conversation that you don’t want to miss!
Here’s what we discuss in today’s show:
- Should I use company-provided 401(k) guidance?
- Should I use target date funds?
- When should I take money out of my 401(k) and roll it over into an IRA?
- How should I adjust my 401(k) investments as I get closer to retirement?
- Can I make catch-up contributions to the 401(k)? If so, when?
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
We’re thrilled to welcome the Mayor of Macon, Lester Miller, to the My Retirement Clarity podcast today! If you’re from the area, you’re familiar with who he is and some of the incredible things that have happened under his leadership. With the reputation of Macon on the rise, we thought it would be fun to discuss some of the key projects that have made the city a must-visit destination.
From the world's largest indoor pickleball facility, Rhythm & Rally, to a vibrant new amphitheater and a revitalized downtown, there's so much happening in Macon- and even more on the horizon. If you want to learn more about the exciting developments in Macon and hear directly from Mayor Lester Miller, this episode is for you!
Here’s what we discuss in today’s show:
- Macon’s recent National recognition and affordability
- The origin story of the Rhythm & Rally Pickleball Facility
- The process of developing the amphitheater + the importance of music in Macon
- Revitalizing downtown and future plans for the mall and more
- Attracting retirees and major companies to Macon
- The overall economic growth and positive outlook for Macon’s future
Learn more about Mayor Lester Miller:
https://maconbibb.us/mayorlestermiller/
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
About our guest: https://retiresmartomaha.com/
With tax rates set to change soon and national debt on the rise, tax planning might be the most critical piece of retirement planning right now. That’s why we wanted to catch up with David Brooks, a renowned tax expert from Omaha, Nebraska. David, who we consider a tax guru, shared invaluable insights into the world of tax strategies, proactive planning, and the future of tax policies. If you’re looking to optimize your tax planning, this conversation should give you
For those that aren’t as familiar with our current tax landscape, we’ll spend some time on the details of today’s taxes and how to prepare for future changes. With the national debt crossing $35 trillion and interest expenses skyrocketing, it's crucial to anticipate how tax policies might shift post-election. Regardless of political affiliations, we should all be focusing on policy implications and be planning accordingly.
Join us as we get into the tax strategies we’re utilizing in 2024 and why this proactive tax planning can really help mitigate tax liabilities in retirement.
Here’s what we discuss in today’s show:
Our country’s rising debt is becoming a major political issue because it will impact tax policies.
Why we’ve started accelerating Roth conversions for our clients.
Future legislation that might change taxes and the actions you can take now.
Is it a good thing or bad thing that RMD age has moved up to 75?
Why you work with an independent financial advisor versus the big box retailers.
The Donor Advised Fund strategy and the most common way we utilize that for retirees.
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
About our guest: https://retiresmartomaha.com/
We all make excuses from time to time for decisions we know might not be the best. Whether it's about our health, relationships, or finances, excuses can hold us back from achieving our long-term goals.
Very often, Lee sees people who know that the financial decisions that they’re making aren’t the best decisions, but they try to create excuses or explanations for why they’re doing what they’re doing. From making Social Security decisions based on fear to taking on too much risk to make up for lost time, he’ll address some common areas where he sees this happening. Let’s talk about why these excuses usually don’t hold water…
Here’s what we discuss in today’s show:
- Claiming Social Security at age 62 due to fears of it running out of money
- Taking too much risk to make up for lost time
- Holding onto too much cash to keep your money safe
- Investing in things you don’t understand
- Sticking with a financial advisor out of loyalty, even when you should switch
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
In this episode, host Lee Perkins sits down with Keith Dykes, the newest member of the JL Perkins Wealth Management team. Originally a Zoom call, this engaging interview explores Keith's background, family life, and journey to becoming a financial advisor. Learn about Keith's transition from agronomy to finance, his dedication to client service, and the values that align him perfectly with the team.
Keith joined the JL Perkins Wealth Management team in 2023 as a financial advisor. His background includes being a successful entrepreneur & business owner with additional experience in Tax and Insurance. He graduated from the University of Georgia in 1998 with a BSA in Crop Science. When not at work, Keith enjoys spending time with his wife Lisa and his two daughters Ashlyn and Avery. He spends his spare time golfing, watching UGA football, hiking, traveling, and experiencing different cultures around the world.
Here’s what we discuss in today’s show:
0:49 - We've added another member to our wealth management team
2:19 – Lee and Keith have known each other for a dozen years
3:04 – More about Keith’s family and original education experience at the University of Georgia
9:00 – Keith’s early journey as a member of the JL team
15:53 – What Keith is looking forward to over the next year
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
Just like an annual checkup is important for maintaining good health, performing regular financial checkups is an essential part of planning for a healthy and successful retirement. These check-ins help catch potential issues early and allow you to adjust your plans as needed. By regularly reviewing your budget, goals, and progress, you can make informed decisions to stay on track financially.
Although financial wellness will look different for everyone, we’ll share some areas you should be paying attention to in today’s episode. Don't miss these valuable insights to ensure your financial health is in top shape! And if you have any questions about your financial health, be sure to reach out to Lee and his team for personalized guidance.
Here’s what we discuss in today’s show:
- Monitoring budgeting and spending habits + keeping up with your credit score
- Maintaining an emergency fund to handle unexpected expenses and emergencies
- The importance of diversification + being aligned with your risk tolerance
- Proactively planning for the unexpected + being involved in your finances
- How J.L. Perkins Wealth Management helps their clients stay on track
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
Many people have preconceived notions about what retirement should look like. Oftentimes, TV commercials and retirement shows paint this as a time of life full of endless beach days and exciting vacations. The reality of retirement, however, can be quite different from our expectations.
Listen in as we explore why a realistic approach to retirement, inclusive of financial planning and the potential for unexpected challenges, is crucial. After all, life is full of surprises, and this phase of life is no exception. Luckily, you don’t have to (and shouldn’t) plan for the “what ifs” alone.
Here’s what we discuss in today’s show:
- Retirement is different for everyone, so it’s important to manage your expectations
- Many people underestimate how much they will spend once they retire
- You need to be ready to adjust your plans when unexpected changes occur
- Retirement planning is difficult, and it’s okay to ask for help
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
Sometimes, the lessons we learn the hard way stick with us the longest. This is especially true when it comes to financial decisions. In today’s episode, Lee shares a personal story that serves as a stark reminder of how being cheap can end up being very expensive.
In this conversation, Lee recounts how his reluctance to invest in a security system for his new Dodge Ram 1500 TRX led to an expensive loss when the vehicle was stolen. Unfortunately, this led to weeks of stress and logistical nightmares like changing the locks to his house and dealing with insurance. Listen in as Lee talks about the financial and emotional implications of being penny-wise and pound foolish, and discusses the importance of seeing value in investments, whether it's for vehicle security or financial advisory services.
Here’s what we discuss in today’s show:
- The story of Lee’s truck being stolen at the Atlanta airport
- Dealing with the aftermath of theft, including insurance claims, changing locks, and replacing stolen items
- How investing in quality advice and protection can save money and trouble in the long run
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
Losing a spouse is an incredibly difficult event that can leave one feeling lost and overwhelmed emotionally and financially. In today’s episode, Lee is going to take us behind the scenes and share the stories of two clients who faced the sudden loss of their husbands. He’ll offer insight into how each of them coped differently with their loss, and how the J.L. Perkins team helped them navigate this difficult transition.
Listen in as Lee shares why it is so critical to have a plan in place and a financial advisor in your corner in the wake of tragic circumstances. He also stresses the importance of couples being actively engaged in their finances with a clear understanding of their financial situation. While this is not a scenario anyone wants to face or think about, sharing these stories can help you prepare should you or someone you know ever find themselves in a similar situation.
Here are the questions we answer in today’s show:
- The stories of two women who lost their spouses + how they handled loss differently
- How being prepared, or lack thereof, affects widows and widowers
- Having a financial professional in your corner after loss
- Why it's crucial for both spouses to be involved in financial matters
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
In today's episode of My Retirement Clarity with Lee Perkins, we dive into a story of transformation, perseverance, and ultimately, triumph. Lee shares the journey of a client who, at 43, believed retirement was an impossible dream. Saddled with debt, family pressures, and a lack of financial direction, she was overwhelmed by the thought of mandatory retirement at 56 without a clear path forward.
Lee recounts how, through meticulous planning and disciplined action, they tackled her challenges step by step. From budgeting and debt elimination to maximizing her 401(k) contributions, her story is a testament to the power of a solid financial strategy and the importance of trust in your financial advisor.
As we follow her path to a debt-free life, fully funded emergency and leisure savings, and a growing retirement account, you'll witness the emotional turning point where the possibility of a fulfilling retirement becomes a reality. Lee's client's story is not just about financial planning—it's about the emotional journey from doubt to confidence that occurs when true planning takes place.
Remember, with the right plan and commitment, a joyful retirement is within reach. Tune in to get inspired and learn how you can apply these life-changing strategies to your own situation.
Here are some of the questions we answer in today’s show:
- How to get out of debt and save for retirement.
- Why some people fall back into debt if they take shortcuts to address the problem.
- Illustrating the true impact of having a solid emergency fund.
- How discipline leads to excellent outcomes.
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
Each generation is currently navigating a unique part of the retirement planning experience. With many baby boomers preparing for the transition into retirement and Generation X starting to think more about their retirement savings, these major life events come with a handful of financial planning questions. In today’s episode, we’ll focus on some of the common questions that these age groups are asking.
While there’s no universal solution to these questions, this episode will provide some important considerations to keep in mind. By seeking personalized guidance, you can better prepare for your unique situation and set yourself up for a successful retirement. Tune in to see what you can learn from Lee!
Here are some of the questions we answer in today’s show:
- Baby boomers: "How do I manage the risks of market volatility as I approach retirement?”
- Baby Boomers: “What are the best ways to maximize my Social Security benefits?”
- Generation X: “How much do I need saved to actually retire?”
- Generation X: “What should I do with my 401(k) from previous employers?”
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
As much as any other threat, recognizing and avoiding scams has become an essential skill, particularly for retirees. Join us as we explore crucial steps you can take to safeguard your financial well-being against the growing tide of scams and identity theft. Learn from real-life stories and gain practical advice to keep your finances secure in this digital era, all from the perspective of a seasoned financial professional.
From government imposters to sweepstakes, robocalls, and romance scams, we’ll share valuable insights into the tactics used by scammers. We’ll share how to spot red flags and protect yourself against phishing emails, vishing phone calls, and smishing texts before it’s too late. And, in the event that you do fall victim to a scam, we’ll provide actionable steps to mitigate the damage.
As technology advances and scams evolve, this conversation is more important than ever. Don't miss out on this opportunity to arm yourself with knowledge and protect your financial future!
Here are the questions we answer in today’s show:
- How common these scam threats are + phishing, vishing, and smishing techniques
- The various types of scams out there + some of Lee’s clients who have been targeted by fraudulent schemes
- Some ways to spot some of these scams and protect your personal information
- What should you do if you fall victim to a scam?
Links for this episode:
https://www.cnbc.com/2023/10/08/how-one-retired-woman-lost-her-life-savings-in-a-common-elder-fraud-scheme.html
https://www.thomsonreuters.com/en-us/posts/investigation-fraud-and-risk/senior-citizens-financial-scams/
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
We’ve got a mailbag edition of the show today! We’ve gathered some great questions over the last several weeks that we’re excited to share with you. From the tax implications of financial gifts to navigating retirement spending and overcoming indecision, Lee is here to shed light on a range of real-world topics.
Dorothy asks for advice on how to financially support her daughter, who wants to take time off work to be with her newborn baby in the hospital, and what the tax implications might look like. Rose asks how to break the cycle of indecision and make confident financial decisions.
We love hearing from you, our listeners! No question is too basic, so if there’s something on your mind that you’d like Lee to answer, be sure to send it our way for your chance to be featured on the show.
Here are the questions we answer in today’s show:
- “I’m a police officer and have been given medical retirement at 53, but I feel like I need to still be earning money at my age. Any thoughts on how to approach this?”
- “My daughter wants to take time off work to be with her new baby who is in the hospital. We want to help financially but are unsure about the tax implications and how this might impact our retirement.”
- “Every time I need to make a financial decision, I end up talking myself in circles. How do I stop this?”
- “I’m 79 and don’t worry about us running out of money anymore. We don’t have kids and I have regrets about not traveling much in the last decade. Should I start spending to make up for previous years of pinching pennies?”
- “At 60, I've been offered two work options: stay on for 5-6 years for a pension or retire now with a severance package and pension buyout. How should I decide?”
- “I'm retiring soon with 18 weeks of vacation and sick leave payout. If I retire in December, it'll be taxed this year. Should I wait until January for a different tax year?”
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
This episode might be a bit counterintuitive. We’re going to question the real impact of common financial habits. Are the strategies you consider beneficial actually working in your favor? We explore the pros and cons of practices like ignoring account statements and strict budgeting.
Join us for a practical discussion, as we uncover the unexpected effects of everyday money decisions. Are your good money habits holding you back?
Here’s some of what we discuss in this episode:
- Ignoring account statements keeps you from overreacting but what are you missing by doing that too much?
- Staying on a strict budget will help you achieve financial goals but it can become overly restrictive.
- Investing in what you know is a good strategy, but it might lead a lack of diversification.
- Automation makes investing and saving simple but it could lead to disengagement.
- Is there a downside to paying off all your debt?
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
Every generation likes to talk about how much harder things used to be when they were kids. Like all of the people who used to have to walk five miles to school, in the snow, uphill both ways. But they had at least one thing that was EASIER…and that was retirement planning.
In this episode, we’re diving into the changing landscape of retirement planning. From the complexity of investment options to the future of Social Security, we’ll discuss the obstacles faced by today’s retirees. Tune in as we explore why retirement planning is now more challenging than ever before and offer insights to help you navigate your retirement journey with confidence.
Here’s some of what we discuss in this episode:
- The shift away from long-term company loyalty and the decline in company pensions
- The unpredictability of the housing market + high costs and interest rates
- The increased complexity and risks in today's investment landscape
- The growing challenges of the “sandwich generation”
- The strain on Social Security due to fewer contributors and an aging population drawing benefits
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
In this episode, Lee reflects on the journey of JL Perkins Wealth Management over the past decade. From its humble beginnings with just Lee and his sister Francesca, the firm has evolved through unexpected transitions, including office expansions and team changes. As JL Perkins Wealth Management celebrates its 10th anniversary, Lee shares insights into the strategic decisions that have shaped the firm’s growth, and how he’s working to adapt to the needs of its growing clientele.
Throughout the conversation, Lee emphasizes the importance of planning for the next phase of life, whether it's retirement or another significant transition. He also introduces his new book, Next Phase: How to Retire in a Year or Less Without Regrets, designed to help individuals navigate the complexities of retirement planning with confidence. Tune in for a great conversation!
Here’s some of what we discuss in this episode:
- The strategic growth of JL Perkins Wealth Management over the past decade
- Expanding the firm’s team to ensure continuity for clients and provide more resources
- Lee’s new book Next Phase: How To Retire In A Year Or Less Without Regrets
For your complementary copy of Lee’s new book, Next Phase, text “Next Phase” to 478 – 254-3550
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
Have you ever wondered what questions to ask your financial advisor, or why those questions are crucial? In today’s episode, we’re tackling exactly that. We're discussing the vital questions that bring transparency and depth to your financial advisory relationship.
Here’s some of what we discuss in this episode:
- The different types of fee structures that advisors will typically have
- Why your advisor’s investment philosophy is an important thing to know up front
- Why you want to know what specialty an advisor has
- Communication is key so you want to know what to expect in terms of frequency
- Will you be working with a team or a specific advisor?
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
2023 is coming to an end, and, if we had to guess, there are probably some financial tasks you wish you’d taken care of this year. Not to worry, because in this week’s episode, Lee is going to share six planning tips that you can address during the first quarter of 2024. Let’s kick off the new year the right way!
Here’s some of what we discuss in this episode:
- Keeping the right amount of money in cash
- Cleaning up old life insurance policies
- Consolidating old 401ks when you change jobs
- Reconsidering your managed account that has limited management
- Updating beneficiary designations as life changes
- Automating your savings
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
Have you ever stopped to ask yourself about the purpose of the money you’ve worked to save throughout your life? In financial planning, it can be easy to fall into the trap of simply viewing your wealth as a numerical scorecard, measured by monthly statements and investment returns. But as we often remind our clients, retirement planning is not just about the numbers on a page; it's about the life experiences and memories those numbers can create.
Here’s some of what we discuss in this episode:
- Reevaluating your relationship with money and time, inspired by a book called "Die with Zero" by Bill Perkins
- What is the purpose of the money you’ve saved?
- Spending your money with purpose and making the most of your “go go” years in retirement
- What is the “perfect day” exercise and how can it enhance your retirement planning journey?
Want to set up a meeting with us? Visit us here: http://talkwithjlp.com/
Get more financial education at http://myretirementclarity.com
The retirement planning world is filled with plenty of advice and suggestions, but there are critical questions lurking in the shadows – the unasked, the overlooked. These are the questions that can help define the comfort and security of your retirement future. In this episode, we unearth and tackle these hidden, but essential questions about retirement.
Here are some of the items we discuss in today's show:
- Pulling money out of your IRA early could mean penalties and taxes you weren’t prepared for.
- The importance of increasing your savings when your income increases. It’s easy to fall victim to lifestyle creep.
- How to avoid the regret of paying too much for tuition.
- Retiring early is a goal for many people but leaving the work force too early can be costly.
- Why many people wish they would have looked into Roth IRAs sooner.
Want to set up a meeting with us? Visit us here: http://talkwithjlp.com/
Get more financial education at http://myretirementclarity.com
The retirement planning world is filled with plenty of advice and suggestions, but there are critical questions lurking in the shadows – the unasked, the overlooked. These are the questions that can help define the comfort and security of your retirement future. In this episode, we unearth and tackle these hidden, but essential questions about retirement.
Here are the questions we are going to dive into in this episode:
- How much are my tax-deferred savings going to cost me in taxes?
- How much can I withdraw from my savings each year?
- Should I still have life insurance when I’m retired?
- How much am I really paying in fees and commissions?
Check out Episode 96 here
Want to set up a meeting with us? Visit us here: http://talkwithjp.com
Get more financial education at http://myretirementclarity.com
Welcome back to My Retirement Clarity! This week, we’re diving into the listener mailbag to answer your questions. We’re covering a variety of topics today, many of which get asked in the office quite often. From investing in your grandkid’s college fund to how much to spend on a forever home, this episode is sure to have a takeaway for everyone.
Here are a few of the questions we answer in this episode:
- I’d like to start investing for my grandchildren. Should I set up a 529 plan for them or invest on my own and give them the money when they go to school?
- How much is too much to spend on our forever home in retirement?
- My husband died 15 years ago and I’m thinking about moving in with my boyfriend, but it makes me nervous to think about selling my house and combining finances. How do you advise people in a situation like this?
- I’ve talked with a few different advisors about how they get paid, and it sounds like they all have completely different models. Are there this many different fee structures or does everyone just explain it differently?
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
Are we on the brink of a retirement renaissance or stormy seas ahead? On this episode, we jump into the pressing issues of Social Security, healthcare, taxes, stock market trends, and long-term care. Whether you're an eternal optimist or cautious pessimist, this episode will equip you with perspectives to plan your retirement years with confidence as we ask the longstanding question, “Is the glass half full or half empty?”
Here’s some of what we discuss in this episode:
- Politicians are unlikely to make drastic changes to Social Security due to voter concerns, however, there could be potential benefit cuts for younger generations
- Lee expects healthcare costs to continue rising, despite technological advancements
- It’s almost certain the tax rates will increase in the future. Lee encourages proactive tax planning to mitigate future tax burdens, especially given the current trend of rising taxes
- Long-term care is expensive, and long-term care insurance options have become limited
- Despite short-term market fluctuations, Lee is optimistic about the stock market’s long-term performance
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
Are you nearing “retirement age”? If so, let’s explore that pivotal question you’ll soon face: Should you retire or continue working? We’ll unravel the intricacies of this decision, addressing both financial and emotional aspects, and help you find out if you’re truly ready to retire.
Here are some key takeaways from this episode:
- Usually people have enough money saved to retire but need to run the numbers to discover that.
- Couples need to talk about the adjustment to retirement and how they’ll handle that extra time.
- People will get hung up on ‘retirement age’ but you might be able to retire earlier.
- The importance of financial education when it comes to feeling confident in retirement.
- How we have the conversation with someone who is ready to retire but aren’t in a position to financially.
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
Welcome back to the My Retirement Clarity podcast! Today, Lee and Ben dive into a Yahoo Finance that claims someone lost over $400,000 of their retirement savings in a Roth IRA. Is the Roth IRA really to blame, or is there more to the story?
Here’s an overview of what we discuss in this episode:
- Tax planning and tax diversification are essential aspects of retirement planning. Understanding the potential impact of rising taxes in the future is crucial for making informed decisions.
- Roth IRAs can be a valuable retirement tool, especially for those in lower tax brackets or those willing to engage in strategic Roth conversions.
- Lee cautions against taking financial advice solely from sensationalized headlines or anonymous online comments. Instead, seek guidance from qualified financial professionals.
Yahoo Finance Article:
https://finance.yahoo.com/news/lost-400k-retirement-savings-roth-174006044.html
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
This week, we’re switching things up to talk about a very important topic: health and wellness! Join us as we sit down with the inspiring health and wellness expert, Lizzie Gossett, who has played a vital role in helping Lee lose an incredible 34 pounds in 3 months. We’re excited to have her on the podcast today to share her insights on prioritizing and maintaining your health.
Here are some key takeaways from this episode:
- The importance of shifting from short-term diets to a long-term lifestyle change. Developing a strong "why" and viewing health as a continuous journey fosters lasting success.
- Small, sustainable changes in eating habits led to significant results.
- Finding an exercise routine that suits your preferences and incorporating accountability measures can help develop consistency.
- The importance of ongoing support and adapting to different life stages. Maintaining health requires flexibility and dedication, whether through coaching, accountability, or adjusting habits during special occasions.
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
Ever been on the receiving end of ‘the look’ from your spouse? In this episode, Lee recounts the dreaded look he got from his wife a few weeks ago after a meticulously planned family trip to the Bahamas was almost derailed due to a passport oversight- discovered a mere 21 hours before departure. In this episode, Lee shares his crazy adventure of acquiring passports for his two kids in just 7 hours.
Here are some key takeaways from this episode:
- Lee talks about his horrifying realization that his family had some expired passports, less than 24 hours before his family was supposed to depart for the Bahamas
- Don't rely solely on travel agencies or other parties to ensure your documents are valid. Take personal responsibility for checking and maintaining your travel-related documents
- When faced with unexpected challenges, don't hesitate to seek help and utilize available resources. In this case, Lee’s connection to a state representative's office played a pivotal role in securing an expedited passport appointment. Connecting with knowledgeable individuals can lead to solutions!
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
We’re back with a bonus episode on resolving financial tension between couples! After popular demand, we’re exploring five more common areas of financial tension: retirement housing, emergency funds, handling inheritances, insurance, and spending habits. Stay tuned to learn how advisors like Lee work to resolve conflicts in these areas as they arise.
Here’s what we’ll discuss in this episode:
- Couples may face tension when deciding where they want to live in retirement. Financial considerations, such as the cost of moving and downsizing, can influence this decision.
- Couples may have different risk tolerances and views on how much to keep in an emergency fund.
- Inheritances can cause tension if there are disagreements about how to use the money. Some may want to pay off debt, while others may want to enhance retirement savings or lifestyle.
- Couples may have differing views on insurance needs, such as life insurance and long-term care insurance. Finding a balance between adequate coverage and cost can be a point of contention.
- Establishing a budget and allocating individual spending money can help avoid conflicts.
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
Money can't buy love, but it can certainly start some spicy debates between you and your better half. In this episode, we're digging into the financial face-offs that make Monopoly fights look like child's play and exploring some money minefields that can test even the most solid relationships. Listen in as we explore how to resolve some of the most common financial sources of tension between couples in retirement.
Here’s what we’ll discuss in this episode:
- Disagreeing on risk tolerance in your portfolio. (4:10)
- Figuring out what age to retire. (6:43)
- Being on the same page about legacy planning in second marriages. (11:01)
- Determining your retirement lifestyle as a couple. (13:24)
- How are you going to handle financial management in retirement? (16:19)
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
Celebrate the spirit of the month with our latest episode as we tackle the concept of financial independence. While the American colonists fought for freedom from British rule, Lee is here to discuss what you’re striving to be independent from in your retirement. We’ll unveil the common foes you’ll face on the journey. And good news, no muskets required for these battles!
Here’s what we’ll discuss in this episode:
- Avoiding being too dependent on the government in retirement. (2:38)
- Not having to rely on financial support from your children in retirement. (5:40)
- Independence from creditors- going into retirement with little or no debt. (8:40)
Get Dave Ramsey's The Total Money Makeover here
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
Everybody wants to make money, but nobody wants to lose it. In today's episode, Lee discusses a specific investment strategy that aims to limit downside risk while offering attractive upside potential. This strategy, known as a Defined Outcome ETF or Buffered ETF strategy, provides a unique approach to investing, especially in uncertain times like the current economic environment.
While this strategy may not be suitable for everyone, it offers an appealing balance between security and growth. Join us as we take a closer look at how ETFs work and discuss who they could potentially benefit.
Here’s what we’ll discuss in this episode:
- What is an ETF and how does it work? (4:46)
- The tradeoff with this strategy. (6:40)
- Who might this strategy benefit? (8:59)
- This investment is 100% liquid. (11:44)
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
Don’t get us wrong. In many cases, your 401(k) can be your best investment vehicle, offering numerous benefits and tax advantages and many times a 100% return on some of your contributions (also known as an employer match). However, it's important to recognize that it might not always be the optimal choice for everyone. Join us in this thought-provoking episode as we dissect some reasons why someone should NOT invest in a 401(k).
Here’s what we’ll discuss in this episode:
- Having an emergency fund in place before you contribute to your 401k. (3:55)
- If your employer doesn’t match contributions to your 401k. (6:21)
- Tackling debt before you start investing. (8:16)
- Moving your money out of old 401ks if you no longer work for the company. (13:07)
- Limited investment options and hidden fees. (16:09)
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
In today’s episode, Lee will talk about one of the most important discussions you should have with your family once you enter the fourth quarter of your life. Although talking about what will happen to your money and possessions once you pass away can be uncomfortable, this conversation is critical. Doing so has the potential to preserve and safeguard the bonds within your family and avoid unnecessary heartache and confusion.
Stay tuned as Lee unpacks the moving parts involved in this conversation and shares some tips to help you navigate this emotional terrain.
Here’s what we’ll discuss in this episode:
- One of the most important conversations that can take place during your lifetime + why people avoid this conversation (1:31)
- Communicating your burial wishes. (4:26)
- Letting your kids know that they will receive a portion of your retirement savings after you pass. (5:39)
- What about non-retirement accounts and personal property? (9:27)
- The importance of having inheritance conversations before you pass. (12:56)
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
Picture this: You're at your retirement party, finally ready to enjoy your golden years, but worries caused by some bad money habits have robbed you of fully enjoying the sweetness of the day. It happens to more people than you think, which is unfortunate because with just a little bit of modification, you can rid some of the worst money habits from your life and set yourself up for retirement success.
Here’s what we’ll discuss in this episode:
- The danger of ignoring your account statements. (3:01)
- Taking action instead of putting off financial decisions. (5:50)
- Investing emotionally instead of strategically. (11:28)
- Pulling money out of an emergency fund for non-emergencies. (14:50)
- Inadequately diversifying your financial portfolio. (17:48)
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
Recently, the media has been flooded with information about the debt ceiling issues, fueling fears and speculation. However, it's important to recognize this as political theater, with each side playing their role and blaming the other. In this episode, Lee dives into the reality behind the scenes, reminding you that this is not a unique event and that the debt ceiling has been raised numerous times in the past. In the midst of the noise, it's crucial to focus on what truly matters- the performance of your investments and your long-term strategy.
Join us as we talk about navigating these turbulent times and securing the retirement you deserve.
Here’s what we’ll discuss in this episode:
- The debt ceiling is nothing but political theater. (2:53)
- Since 1960, the debt ceiling has been raised or extended 78 separate times. (5:22)
- The next few weeks will be even more predictable. (8:11)
- Is the news making you question your financial strategy? (12:34)
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
Are you ready to take control of your finances during life's most pivotal moments? In this episode, we dive into the complex world of financial decision-making during key life events. From the excitement of marriage and the joy of welcoming a new child to the challenges of divorce and the loss of a loved one, Lee will provide practical tips and guidance to help you make informed decisions and maintain financial stability.
Here’s what we’ll discuss in this episode:
- Combining your finances after marriage + prenuptial agreements. (3:16)
- Planning for what-if scenarios, such as job changes. (9:02)
- Financial changes that occur after having or adopting children. (12:00)
- Making financial decisions after the death of a spouse. (16:09)
- Financial decisions leading up to retirement. (22:02)
- Mailbag: What do early retirement offers usually include and how can I be prepared? (25:36)
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
Is the TSP, also known as the Thrift Savings Plan, truly the greatest investment platform of all time? There are a lot of people that would answer yes to this question, so in today’s episode, we’ll explore any potential shortcomings it may have. Specifically, we will dive into a recent conversation between Lee and a client who had their funds in a TSP.
Here’s what we’ll discuss in this episode:
- A recent phone call with a federal employee that led to today’s show topic + a brief breakdown of TSPs. (1:01)
- Why would you move money from a TSP to an IRA? (5:36)
- The value of an RIA and fee transparency. (8:18)
- The benefit of having personalized planning advice. (12:06)
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
From time to time, we like to look at issues faced by people in other professions outside of the financial world and see what kind of retirement planning lessons we can learn from them. In today’s episode, we’re seeing what we can learn from teachers and the issues they face. Let’s look at how homework, standardized testing, and customized learning approaches relate to financial planning.
Here’s what we’ll discuss in this episode:
- Everybody hates homework, but an advisor can help. (1:56)
- Like standardized testing, cookie-cutter planning isn’t ideal. (4:36)
- Age-appropriate advice is critical in financial planning. (12:04)
- Lifelong learning is a great habit to develop. (15:04)
- Mailbag: Should I pay off my mortgage before I retire? (17:33)
- Mailbag: Gifting vs. lending money. (18:49)
Use the code “knowyournumber” to access the Know Your Number course for FREE!
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
Artificial intelligence has made massive improvements lately, impacting almost every industry. There has been a lot of chatter about this taking over the financial sector as well. So, is artificial intelligence good or bad for the advisor world? We’ll talk about this and more on today’s show.
Here’s what we’ll discuss in this episode:
- Technology has advanced tremendously. (1:48)
- Lee’s recent experience at Mcdonald's. (4:37)
- The impact of human interaction in a world of artificial intelligence. (7:41)
- Is artificial intelligence good or bad in the advising world? (10:46)
- The impact of friendly, consistent service. (13:33)
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
How do you measure success in retirement? While having enough money saved for retirement is important, it shouldn’t be the only measuring stick for success. In this episode, we explore three other areas to consider when measuring retirement success: time, self-worth, and ideal days.
Here’s what we’ll discuss in this episode:
- Lee shares about his weekend in St. Simons, Georgia (1:39)
- Measuring retirement success by money. (4:37)
- Measuring retirement success by time. (6:29)
- Measuring retirement success by self-worth. (10:04)
- How many ideal days did you have throughout the year? (11:41)
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
We’re back with another mailbag episode! We’ve received some excellent listener questions recently, and we’re going to dive into a few of them on today’s show. Stay tuned to gain valuable insights and practical solutions to real-life financial challenges and questions.
In today’s episode, we’ll discuss protecting your savings and investments from current economic uncertainties, what to do once you’ve maxed out your 401(k) savings, and retiring early. We’ll also clarify the critical distinctions between two often-confused terms, Roth contributions, and Roth conversions.
Here’s what we’ll discuss in this episode:
- What steps can I take to protect my savings and investments from losing value with the current inflationary pressures? (3:23)
- What should I do once I’ve maxed out my 401(k)? (10:27)
- I have plenty of money in my 401(k) but I’m only 57. Is it foolish to retire now? (14:30)
- The critical difference between a Roth contribution and a Roth conversion. (18:12)
Listen to Episode 70: https://myretirementclarity.com/2022/07/ep-70-bucket-strategy-101/
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
As most of us know, navigating Social Security can be a challenge, and unfortunately, there is a lot of misinformation about there about this important benefit. With so much confusion surrounding this topic, we’re here today to set the record straight. In this episode, we’re debunking the most common myths about Social Security and answering the questions you've been curious about.
Here are the myths we’ll discuss in this episode:
- Myth: The Social Security Administration will help you make the best decision about when you should start your benefit. (4:40)
- Myth:You won’t have to pay taxes on Social Security. (7:50)
- Myth: There won’t be any Social Security benefits left by the time you retire. (13:05)
- Myth: You can’t work and receive Social Security benefits at the same time.(17:25)
- Myth: You should claim your Social Security benefits as soon as you’re eligible. (20:24)
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
Lee has been working in the financial industry for over 16 years, and during that time, has encountered a wide variety of financial planning questions. However, there is one question that seems to come up more frequently than any other: "How much do I need to retire?" Is one million enough for everyone? Although it appears to be a straightforward question, we’re going to dive into the complexities of this topic today.
Here's what we'll discuss in this episode:
- Why the question “How much do I need to retire?” is difficult to answer. (2:03)
- Why a million dollars may not be enough to retire on for everyone. (3:11)
- The importance of keeping track of your expenses. (5:34)
- Lee’s challenge for those looking to retire in the relative future. (9:29)
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
As you prepare for retirement, you want to make sure you’re doing everything you can to secure your financial future. We’ve talked a lot on this podcast about strategies to help you grow your wealth for retirement, but it’s just as important to consider the risks that could wipe out your savings entirely. On today’s episode, we’re covering the two big ways that you could lose every dime you have, and how to avoid these critical mistakes.
Here are some of the topics we will cover in this episode:
- Investing your life’s savings in a business idea of a friend, relative, or child. (3:48)
- The consequences of investing all of your money in one company. (8:29)
- Why Lee does not recommend that his clients buy individual stocks. (12:23)
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
Are you tired of one-size-fits-all financial advice that doesn't quite fit your unique needs and goals? There are many types of personalities out there when it comes to financial matters, and we’ve found that most of our clients fall into one of the categories we’ll discuss today. In this episode, we’ll explore how understanding your financial personality can help you make more informed financial decisions.
Here are some of the topics we will cover in this episode:
- The ‘victim’ who has been burned by something in their financial past. (2:50)
- The ‘over-analyzer’ who has a tough time making financial decisions. (5:16)
- The potential risks ‘do-it-yourselfers’ face by not seeking professional financial advice. (7:36)
- “There are risks associated with being too conservative.” How ‘silo stockers’ can benefit from having some money in the market. (14:02)
- Working with couples that are not on the same page regarding finances. (16:23)
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
Do you ever feel like your retirement planning goals are always moving? You're not alone. We’ve found that people often move the goalposts in their own retirement planning, often to their detriment. In this episode, we're diving deep into the psychology of retirement planning and the dangers of moving the goalposts.
Here are some of the topics we will cover in this episode:
- Holding onto excess cash and not investing it could mean giving up on potential earnings. 2:15
- Procrastinating with investing is an easy trap: “There’s always going to be a reason to keep you from saving money.” 5:40
- The danger of waiting to reach a specific number in your investment account before reducing risks. 10:06
- How procrastinating retirement planning could have you working longer than you originally planned. 13:19
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
In this episode, we’ll highlight the most common financial fears and discuss how to address them in your retirement plan. Whether you are worried about running out of money during retirement or aren’t sure how to find the best financial advisor for your situation, this episode will help you face these fears head on.
Here are some of the topics we will cover in this episode:
- The fear of running out of money during retirement and preparing for the expense of end-of-life care 2:13
- The fear of overpaying for taxes and why it’s important to plan as taxes increase over time. 7:39
- Finding the balance between leaving behind a legacy and enjoying your retirement lifestyle. 10:23
- The fear of having to reduce the quality of your life in retirement because of the economy. 13:22
- How to find an advisor you trust with your financial situation. 16:01
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
We work with some tremendous savers who worked hard and sacrificed to build a nest egg, and that mindset isn’t easy to move away from. Many of those same savers are afraid to spend their own money once they’ve reached retirement.
So what can you do to embrace that mindset shift? We’ll share a recent conversation we had about this and discuss some ways you can address the problem.
Here’s some of what you’ll learn in this episode:
- Why is this struggle to spend money a little more prevalent in recent years? 1:03
- What happens to your mindset when you retire? 3:40
- Why remaining disciplined with your investment strategy will help you do better over the long-term. 7:14
- How we perceive value when it’s our money versus when the money comes from someone else. 10:35
- What can you do to give yourself confidence to spend money in retirement? 13:45
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
After being discussed in Congress for nearly a year and a half, the SECURE Act 2.0 passed in January. This follows the original piece of legislation that took effect at the beginning of 2020. With a list of nearly 100 provisions, there’s too much to sort out in one show. Instead, we want to highlight a few of the planning opportunities that could affect most retirees.
Here’s some of what you’ll learn in this episode:
- The RMD age is moving back again in 2023. 2:52
- Catch-up contributions have received an adjustment that people approaching retirement need to know about. 6:51
- You will soon have the option to roll money over from a 529 plan to a Roth. 9:24
- Now people will have the chance to earn their company match to a 401(k) while making qualifying student loan payments. 12:23
- How can you forecast the tax amount you’ll owe in retirement? 16:45
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
If you’ve been a good saver for most of your life, you might find yourself in a position at retirement where you want to try to live off the interest the money can make you rather than tapping into your nest egg.
It’s a great idea and would go a long way toward protecting your money, but is it a realistic goal? In today’s episode, Lee is going to tell you why living off the interest in retirement probably won’t work.
Here’s some of what you’ll learn in this episode:
- When did people start having the idea that you could live off interest in retirement? 2:24
- Why this goal might have seemed realistic in the 70s and 80s. 3:42
- What has changed since that time? 4:47
- Here’s how we break down the math. 7:43
- This is why income planning needs to be more of a focus for retirees. 10:40
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
In this episode, we want to set some well-thought-out goals that we can plan for and work hard to achieve. We’ll do that in the area of business, finance, and personal goals with the help of Lee today to give you some things to strive for in every area of life.
Here’s some of what you’ll learn in this episode:
- What personal goals has Lee set for the year? (2:33)
- Relationship goals for 2023. (6:10)
- The goals that business owners can aim for. (8:37)
- How Lee prioritizes financial goals. (12:01)
- Should tax planning be included in your goals? (15:39)
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
Nobody enjoys taxes, especially while they’re working because they eat into so much of our paycheck. But what about retirement? How should we be planning for taxes when we’re no longer working?
That’s the topic for this episode of the podcast and we’ll dive into it by addressing four of the most common questions we get from pre-retirees or those that just recently retired.
Here’s some of what you’ll learn in this episode:
- Will you have as many deductions in retirement as you do while you’re working? (1:27)
- Are all of your retirement accounts taxed the same. (4:41)
- Should you move to an income tax free state? (7:15)
- Is there a way to get tax-free income in retirement? (10:47)
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
In this episode, we’ll cover some of the top rookie mistakes we see people make, and illustrate how to avoid them or how to fix them if you’ve already made some mistakes in your financial life. Plus, we’ll tell you about a recent trip we made to the golf course that included a hole-in-one.
Here’s some of what you’ll learn in this episode:
- How investing without a purpose becomes a problem. (3:26)
- Why we often find that people don’t know how much risk they have in their portfolio. (6:45)
- Emotions are one of the major causes for investment failure. (11:48)
- Are people being transparent with their ‘hot tips’? (15:39)
- There are fees associated with investing and you need to be aware of this. (18:40)
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
Most folks enjoy spending money, and it’s pretty easy to do when you’re working because that paycheck gives you a safety net. But how do you spend money in retirement in a way that gives you the best chance of not running out of money? Today we’re going to give you four retirement spending strategies that you might want to consider.
Here’s some of what you’ll learn in this episode:
- We break retirement expenses up into two categories. (1:30)
- The inflation-adjusted spending strategy. (4:46)
- The spending smile method. (9:11)
- The floor and ceiling method. (13:02)
- The retirement guardrails strategy. (14:30)
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
The final two weeks of this 2022 football season have been incredible for Georgia fans, but every college football fan had to enjoy the semifinals of the College Football Playoff.
As we were watching all this football during the holidays, we started to realize that there are some really great lessons we can take from the sport so many of us love. So we started compiling them over the past couple of weeks and pulled together five we wanted to share on the podcast.
Here’s some of what you’ll learn in this episode:
- You are responsible for you. (2:01)
- Never give up no matter the circumstance. (5:54)
- Be gracious in defeat. (9:11)
- Be with others. (10:48)
- Life is precious. (12:55)
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com
Have you ever opened the mailbox to see you have gotten a financial statement, just to toss it in the ‘shred’ pile? Most people have.
In this episode, we will cover important parts of your financial statements so you understand what you are looking at amidst all of the fine print.
Here’s some of what you’ll learn in this episode:
- How reliable are income projections on financial statements? (3:26)
- Understanding your asset allocation summary. (6:10)
- Are all of your fees disclosed on your statements? (8:27)
- What you could be missing in the fine print… (11:15)
Want to set up a meeting with us? Visit us here: Talk With Lee
This is the time of year when everybody puts together various lists, whatever the list may be. A lot of times these lists are interesting and helpful, but others are really just marketing tactics.
Last year we did an episode “22 Resolutions for 2022”. This year’s list will consist of 7 financial resolutions that apply to everyone. If you do these seven things, you should notice a difference in your financial situation in 2023.
Here’s some of what you’ll learn in this episode:
- Do you have text alerts set up for your credit cards? (4:10)
- Do you know what you spend monthly? (7:13)
- Do you have an income plan for after death? (15:26)
Want to set up a meeting with us? Visit us here: Talk With Lee
Saving in your 401(k) can be an easy and painless way to build your retirement savings. But because it’s so easy and painless, it can also be easy to ignore for long periods of time, which often leads to mistakes. We’ll cover at least the top 5 mistakes people make in their 401(k)s.
Here’s some of what you’ll learn in this episode:
- If you have changed jobs, listen here. (3:02)
- Are you rebalancing your 401(k)? (5:57)
- Are target date funds a no-brainer, or should you pass on them? (9:52)
Want to set up a meeting with us? Visit us here: Talk With Lee
We all have likes and dislikes. As we get older, many of us find more and more things we tend to not be a big fan of, and it can be easy to fall into a negativity trap.
With that in mind, I decided to spend some time thinking about the things I am a big fan of. In this episode, I will be sharing some of my favorite things with you, some financial, and some not. As you listen, try to make a list of your own!
Here is some of what you’ll learn on this show:
- Plan ahead of time so you retire while you can enjoy it. (2:13)
- Let’s talk trucks. (4:20)
- Why you shouldn’t check your retirement accounts daily. (10:29)
- Three of my favorite Christmas movies. (12:44)
Want to set up a meeting with us? Visit us here: Talk With Lee
Everyone makes poor decisions at some point in their life. Big life changes can make the chances of a mistake higher- specifically a financial mistake.
Let’s explore some of the things you should be thinking about to make smart financial decisions when you encounter some of the most significant events in your life.
Here is some of what you’ll learn on this show:
- What to do if you find yourself in a new job or career. (3:40)
- Here are some things you should consider when going through a divorce. (7:27)
- An inheritance can be a blessing or a curse and here’s why. (10:22)
Want to set up a meeting with us? Visit us here: Talk With Lee
There is a good chance you have seen, or at least heard of, Charlie Brown. On the Thanksgiving Special, there is a moment where Charlie Brown makes a mistake but keeps repeating it as if he is expecting a different result.
Unfortunately, many of us do this with our finances. Some even go as far as reaching out for help, but ultimately end up going back to their old ways. Listen to find out why and how you should avoid this.
Here is some of what you’ll learn on this show:
- Let’s talk Thanksgiving; What are you thankful for? (8:56)
- Have you seen Charlie Brown’s Thanksgiving special? (2:33)
- Sometimes we repeatedly make the same financial mistakes and don’t learn our lesson. (4:08)
- What you can learn from a Strategy Meeting with us. (6:30)
Want to set up a meeting with us? Visit us here: Talk With Lee
You have questions? Well, we have answers.
We have been getting a lot of listener questions the last few weeks, and many of them are questions I get from clients all of the time.
We will discuss financial scenarios from having multiple mortgages to whether or not you should pay for your children’s student loans.
Here is some of what you’ll learn on this show:
- Should I pay off my mortgages on my rental properties if I have enough invested to pay them off? (3:23)
- What to do when you’re paying a large tax bill on dividends. (4:49)
- Should I pay for my kid’s student loans instead of retiring? (8:21)
Want to set up a meeting with us? Visit us here: Talk With Lee
What is an RMD? You've probably heard the acronym but how much do you know about required minimum distributions? There tends to be a lot of confusion surrounding RMDs, so today we will go over everything you should know.
The Required minimum distribution is the mandatory amount that everybody must take from their qualified accounts in the year they reach age 72. Let’s cover some of the key points to help you better understand RMDs.
Here is some of what you’ll learn on this show:
- What is the purpose of an RMD? (4:26)
- What are the qualified accounts for RMDs? (6:42)
- Differences between RMDs and IRAs. (10:34)
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Just like the lights on your dashboard can indicate if something is wrong with your car (like low tire pressure or leaking oil), there are indicators in your financial life that might point out that you have a problem that needs to be addressed
You might have watched your parents retire in their early 60s and think that’s how it should still be for everyone. But consider that you’ll likely live much longer than them, you probably don’t have the pension that they had, and the costs for your healthcare during your retirement years will dwarf their costs. In this episode, we will shed light on potential financial problems that could hinder your retirement plan.
Here is some of what you’ll learn on this show:
- Do you really know how much it will cost to fund your current lifestyle? (3:54)
- Are you too hung up on your net worth, instead of the income you will be generating? (6:34)
- Does the impact of current events on the market make you lose sleep over your portfolio? (15:03)
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
We are excited to have Steve Lopez as our guest today. Steve is a journalist for the LA Times and is about to release a new book on retirement. We feel that a lot of what Steve writes about will resonate with our listeners.
Steve found himself facing a fork in the road: To retire, or not to retire? This fork in the road led him to write ‘Independence Day: What I Learned About Retirement from Some Who’ve Done It and Some Who Never Will’. During this journey, he spent a year interviewing people who had various experiences with retirement. Listen as he shares what he learned as he wrote his new book.
Here is some of what you’ll learn on this show:
- Here you can learn about navigating life as an ‘empty nester’. (10:33)
- Here are Steve’s thoughts on claiming Social Security early. (24:24)
- Navigating your loss of identity in the eyes of others. (33:40)
Preorder Steve's book:
https://www.amazon.com/Independence-Day-Learned-About-Retirement-ebook/dp/B09N8RVS42
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
We always talk about the money side of financial and retirement planning. But what about the mental aspect of that big life change? Today we’ll break down an article written by a Licensed Professional Counselor (Kate Schroeder) for Psychology Today, titled The Psychological Investment In Retirement.
Here is some of what you’ll learn on this show:
- Few people consider the consequence of walking away from a life and routine that has likely defined them for decades. (2:51)
- The author says that research shows the number one thing retirees struggle with is finding consistent, genuine, and lasting meaning. (5:49)
- Just like saving money, the earlier you start the better… Engage with psychological growth before retirement; it’ll help you find deep and lasting meaning in life. (17:24)
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Is owning a second home, now considered the American Dream? While it may not be an option for everyone, it seems to be a common goal for more people in the last 5-7 years.
In this episode, we are going to go over some of the pros and cons of purchasing a second home. Not only has Lee been asked about purchasing a second home countless times, but he and his wife recently purchased a condo as a vacation home. Listen to hear his experience and see if it may be the right move for you, too.
Here is some of what you’ll learn on this show:
- Don’t underestimate the amount of time and energy that will go into maintaining your second home. (5:22)
- Here we discuss the ins and outs of Lee’s experience purchasing a condo as a second home. (10:26)
- How an HOA factored into his decision-making. (14:22)
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
We’re bombarded with ads each day in all forms of media. But have you ever taken a closer look at these messages? If we unpack some of these headlines and ads a little more, we can clearly understand what emotions they’re trying to elicit. More importantly, we can figure out what companies are trying to sell us.
For this episode, we perused the internet for a couple of hours and kept track of various financial planning, investing and retirement ads we came across. Let’s pick apart these messages that popped up and see if it helps us become savvier savers.
Here is some of what you’ll learn on this show:
- “Invest like the 1%”…does the 1% have access to something we don’t? (2:34)
- “Secure your future” may sound like a good thing, but there is usually more to it. (8:29)
- When ads make it seem like the stock market is just a risky gamble. (12:26)
- “Replace your income for life” might be an ad for an annuity- annuities aren’t bad, but they aren’t for everyone. (17:04)
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Everyone’s journey to retirement tends to look a lot different, but there are still some fundamentals that everyone needs to pay attention to before taking that leap. You don’t want to be a few years from retirement before you question whether you have covered all your bases.
In today’s episode, we will talk about six important steps in the retirement planning process, plus a bonus step that is often overlooked. Don’t leave anything up to chance, and make sure you actually have enough to live off of. Once you are sure you can retire and you finally approach those last days in the workforce, there are a few things you will need to consider preparing for life as a retiree.
Here is some of what you’ll learn on this show:
- Making sure your numbers add up and you have enough cash flow for retirement. (4:06)
- Choosing when to claim Social Security and assessing your other sources of income. (6:55)
- Now that you are sure you can retire, how do you inform your employer? (10:02)
- Navigating the emotional phases of retirement. (12:42)
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
You’ve most likely heard plenty of “rules” you’re supposed to follow to retire successfully. Some of these rules are stated so confidently, you’d be crazy not to immediately accept them as fact.
But we don’t mind the threat of being called crazy, so let’s dive into some of the most popular retirement “rules of thumb” to see if they truly lead us down the path of good financial guidance or run a chance of leading us astray.
Here is some of what you’ll learn on this show:
- Should you follow the rule of 100 to gauge how much risk you should be taking? (3:20)
- Is there an appropriate use of life insurance, or can you use it in other ways? (5:38)
- Should you use debt to build wealth? (8:01)
- Should I pay off my house early? (11:46)
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
How do you feel about free money? Sounds like a no-brainer, right? Maybe not.
Most people don’t understand that free money isn’t actually free and that someone else’s money is just being spent. Let’s explore what we know about “free” money, income taxes, and some recent changes the government is implementing.
Here is some of what you’ll learn on this show:
- Here are the three things you should do with the money you earn. (3:33)
- What happens when the government gives away free money. (7:44)
- The shocking statistic about who pays income taxes. (8:40)
- How forgiving student loans will affect taxpayers. (9:58)
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
We’re all guilty of putting things off and waiting until it’s absolutely necessary to get them done. We see it all the time when it comes to money.
People have many reasons for procrastinating when it comes to putting a retirement plan together. Let’s explore some of those excuses and why they can be dangerous, and talk about how to overcome them.
Here is some of what you’ll learn on this show:
- Why you shouldn’t expect your retirement to go like your parents’ did. (2:36)
- What to do if financial stuff stresses you out. (6:45)
- Is being too busy a good reason for putting off your finances? (9:34)
- What perfectionists can do if they struggle with the constant change in planning? (12:13)
Set up a meeting: http://talkwithlee.com
When to claim Social Security is a question that’s been asked as long as the program has been around. The reason why we’re still answering this question is that the strategy will vary for every individual.
No matter what you decide, this crucial piece of income planning will certainly be a big part of retirement so you want to get it right. For certain people, claiming as soon as you’re eligible at age 62 is the best option for retirement while others will want to wait as long as possible to maximize the benefit.
Today we’ll try to simplify it all and lay out the considerations we go through to help our clients determine whether to delay Social Security or not.
Here is some of what you’ll learn on this show:
- How to determine what strategy is appropriate for you. (3:35)
- What’s the first consideration if you need the money but don’t want to claim benefits immediately? (5:28)
- How to maximize your benefits to get the largest payout. (6:20)
- Why Lee feels our future health is a primary factor for making the decision. (9:01)
For more, visit us online: http://myretirementclarity.com
Book a meeting with Lee: http://talkwithlee.com
Finding yourself between jobs can be frustrating—whether you were fired, laid off, or just had to step away of your own choosing.
But it can also present some opportunities. Let’s discuss some of the challenges and opportunities that you need to consider if you’re between jobs.
Here is some of what you’ll learn on this show:
- Why this might be a great chance to explore a career that you’ve always had an interest in. (2:07)
- Why some people use this as an opportunity to become their own boss and turn a hobby into a career. (4:13)
- Do you have a plan for how you’ll cover your health insurance when your employer is no longer paying for it? (6:55)
- Why you should be thinking about tax planning items that spring up from changing jobs. (13:00)
For more, visit us online: http://myretirementclarity.com
On this episode, we’re going to get tax insights from local professional Steven Brewer, CPA, who specializes in working with business owners but is also very knowledgeable when it comes to individual tax planning.
Here is some of what you’ll learn on this show:
- Lee’s first accounting class and why he immediately changed his major. (1:49)
- Where does Steven see taxes going in the future and how does that impact investing today? (6:00)
- The tax planning opportunities that most people look including a few specific to Georgia residents. (8:43)
- What can you do to prepare for the increasing tax environment that we’re in? (12:10)
- The things that trigger audits and when they typically happen. (17:15)
- Advice he would give business owners that want to be more proactive. (19:45)
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
Don’t dread this as much as you hated hearing these words as a kid, but it’s time for a pop quiz! We’re putting retirement planning preparedness under the microscope with 5 critical questions to which you need to know the answers. So sharpen those pencils and let’s see how ready you are for retirement.
Here is some of what you’ll learn on this show:
- Some exciting news about the future of the show (1:51)
- How much income will you need in retirement compared to how much you’re making while working. (5:42)
- What’s the biggest fear for most retirees and how planning accounts for that. (8:24)
- What does a truly diversified portfolio look like and how can you achieve that within your retirement plan. (12:30)
Hopefully you’ll pick up on something during the quiz that you didn’t know about before, but if you have questions about anything we discussed on the show, please reach out and we’ll be happy to talk to you about your financial situation.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
The bucket strategy is a commonly used plan when it comes to retirement. This allows you to allocate money for different goals and helps keep you calm when things are looking down. Lee will discuss what each bucket is for, some common investment vehicles for each of them, and how this might benefit you when putting together a plan.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
The market is down right now and has a lot of people panicking about what to do with their investments. But there are potential opportunities out there if you look closely. On this episode, we give 5 potential strategies you may be able to utilize during this time.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
There are plenty of external factors that often negatively influence our chances of having a successful retirement. But often, failure comes from within. On this episode, we’ll talk about some of the common ways people get in their own way when it comes to financial planning.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
On this episode of the podcast, we chat with Joe and Suzanne Best. Before retirement, Joe worked as a federal probation officer and Suzanne worked in the public education sector. Once retirement was a reality, they decided to move into a retirement community. We will talk with them about what their experience has been like and what their lifestyle looks like now.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
There are certain age milestones where you should really pay attention to your retirement planning progress. On this episode, we’ll look at the most important birthdays as you approach retirement and cover the exact things you should be checking off your to-do list at each age.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
Housing is a really important topic for a lot of retirees because, for many of us, it’s the biggest asset we’ll ever own or manage. We want to get that part of our financial equation correct, so it’s no surprise it takes up a nice slice of the retirement planning conversation. On this episode, we’ll cover some common housing questions from retirees and hopefully hit on an issue that might also be on your mind.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
When it comes to your money, you might have several different voices in your head— maybe the voice of greed, or the voice of fear, and sometimes the voice of wisdom. Let’s look at some things we might hear from the voice of greed so you know how to recognize it when you hear it…
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
After listening to today’s episode, you’ll never attend another baseball game with the family and look at it the same way. We’re going to show you how taking some of baseball’s most basic principles can also lead to financial success in your retirement portfolio. So, grab your peanuts and crackerjacks and let’s take the financial field.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
There are certain things in life we just can’t predict. If we knew the answers to some of these questions, planning for retirement would sure be a lot easier. So let’s see how you go about constructing a plan that addresses the kinds of questions to which you can’t possibly know the answers.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
Some people feel that they’ll save money by handling their investments themselves instead of working with an advisor. Others may like the challenge of doing it themselves. Still, others just don’t know who to trust so they end up not working with anyone. Let’s talk about some reasons that you might need an advisor…
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
Time for a little fun on this episode. We’ll use some fill-in-the-blank prompts to spark a good discussion about relationships between advisors and their clients, the stock market, common planning mistakes, and much more!
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
Droves of workers are retiring early or taking a break from work as they change career paths. It’s become known as The Great Resignation. On this episode, we’ll highlight some of the key takeaways of a recent Forbes article and explore a lot of the impacts on retirement planning from across different age groups in the wake of this massive workplace shift that’s underway.
Important Links:
Forbes Article: https://bit.ly/3APzSPv
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
If retirement is on your mind, then listen up to today’s show for a 5-part checklist that’ll help measure if you’re in good financial health and setting yourself up for retirement success.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
You might not be able to follow through on all 22 of these resolutions, but implement even just a few of these and you’ll be well on your way to a more prosperous financial life in the coming year.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
Maybe you’re close to retirement and think you don’t have nearly enough money saved. But let’s talk about some reasons that the news might not be as bad as you think.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
To successfully complete a jigsaw puzzle, there are some strategies that you’ll want to keep in mind. And many of those same strategies apply to retirement planning…
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
Before you can live the retirement dream, you have to figure out what the dream looks like in the first place. Let’s talk about some of the things you need to dream about.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
Proverbs 16:18 says “Pride goes before destruction, a haughty spirit before a fall.” Let’s talk about some of the ways that pride might manifest itself in your financial planning in the form of overconfidence.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
We dedicate this show to answering some listener questions that have come in. We will discuss RMD rules, how much investing knowledge you need, and contributing money to a Roth IRA.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
If you’ve ever ridden the subway in London, you’ve probably seen the “Mind the Gap” signs warning you to be aware of the gap between the train door and the station platform. Let’s talk today about minding the gaps in retirement planning.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
So, you’re experiencing some concerning symptoms? Let’s have a visit with the money “doctor” to see what financial prescriptions you might need.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
There’s an old quote that says, “Age is the price of wisdom.” Let’s talk about how that applies to the financial world.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
Everyone has a different reason, goal or something they want to accomplish in retirement. Let’s explore some of the various motivations people have in retirement and how your financial advisor can help you accomplish what you set out to do.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
One of the largest employers in the Macon area is GEICO. Over the years, Lee has sat down with many employees of this company and helped them plan for retirement. There have been many common traits among this demographic of people, so Lee wanted to put the most common problems he has seen in his new book "Leaving The Lizard."
Important Links:
Get The Book: https://nw905joa.pages.infusionsoft.net/
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
If you’re of the age that your mom and dad retired 20 or 30 years ago, the world was a much different place when they walked away from their paychecks. Let’s talk about how things are different now.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
At first glance, each of these statements seem like basic common sense that everyone agrees with. But when we look at the way people actually behave with their money, it seems that common sense is actually a bit uncommon.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
Some people in the financial world speak in code. It’s important for you to learn how to crack that code. Let’s look at a few examples of what you’ll hear someone say, but breakdown what they really meant.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
If we take a look at the world of medicine, we can learn some valuable lessons that can be applied to your financial life.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
If you had a million dollars, how long would it last you in retirement? How drastically does that longevity change if you move to a bigger/smaller city? We’ll take a look at some stats from various areas across the country to show how difficult it is to make your money last in some areas, and how easy it might be in others.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
Let’s talk about some of the areas of your financial life where you might be flirtin’ with disaster and don’t even know it on today's show.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
Let’s look at some of the richest people in the music industry and see what lessons we can learn from them that we can apply to our own retirement planning.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
You don't want to make an assumption when it comes to your money and retirement. Instead, learn how to take control of your finances rather than hoping things fall into place on their own.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
With threats like rising interest rates and inflation, Lee discusses many of the risks that can come with your financials as you approach retirement. Don't wait until it's too late, protect yourself now from these risks.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
A recent survey found that nearly half of the female respondents said they defer major financial and investment decisions to their spouses. Most of the explanations amounted to just wanting to stick their heads in the sand. They want to just know they’re taken care of, but not get mired in the minutia. But we’ve heard countless stories of why this is a bad idea because one day you might become the lead decision maker. On this episode, let’s go over some tips for how women can get back in the game when it comes to involvement in the process of making financial decisions.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
We sit down with Susan and Larry Johnson on today's show. They have been married for almost 40 years and are making the most out of their retirement. The couple has traveled extensively, so Lee asks them some questions about their traveling experiences as well as how they've felt about retirement so far.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
Have you ever stopped to think about your journey of learning all that you have about money and finances? Did your parents shape your financial views most heavily? Is there a TV or radio expert that has influenced you most? Or have you learned everything from a book or Google?
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
You’ve probably never heard anyone make these statements that we’ll provide on today’s episode. And there are some great reasons why.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
Have you thought about what life is going to be like for you in retirement? Is there a particular lifestyle you’re seeking? Not all retirement planning is about the finances. Let’s look at some of the lifestyles that are popular among retirees and discuss some of the financial things to consider if you’re going to try to live out one of these particular living situations.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
Is the place where you’d like to retire on the Top 15 list? On this episode, we’ll review the US News & World Report’s top 15 retirement locations and share stories of past clients who made the decision to move somewhere else for retirement and what went into those decisions from an emotional and financial standpoint.
Important Links:
Article: https://bit.ly/37sxnp9
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
A lot of concern goes into trying to pick the proper investments, build a balanced portfolio, and getting the highest return. But how much time have you really put into finding the right advisor to work together with on all these tasks and more? You might be surprised to find out that a lot of people don’t do their due diligence or put in a considerable amount of thought into picking their advisor. And ultimately, that leads a lot of people to not understanding what they should expect from such a relationship. So, we want to clear some of that up on this episode and clarify some of the ways you can evaluate your current advisor relationship and how to shop for, and find, the right advisor for you.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
We’re talking specifically to Baby Boomers on this episode. What are the most common challenges, fears and objectives of this generation? What are some of the mistakes Boomers often make and how can they be avoided? We’ll ask and attempt to answer those questions on today’s show.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
On this episode, we present you with five commandments that are worth of being written on stone tablets in your retirement plan.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
Vanguard’s “How America Saves 2020” report is packed with lots of intriguing stats and findings about Americans and how they save for retirement in the crazy year that is 2020 (most of the recent data is technically from 2019 although some figures are current through the Spring of 2020). Let’s look at some of the top takeaways from the study and how you might compare to the “normal” savings behaviors of Americans.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
We get a lot of questions about how the house (or houses) fit into retirement plans. From downsizing to rental properties to interest rates, let’s explore some of the top retirement questions as it relates to all things housing.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
Everyone has read blogs, watched shows, and listened to people talk about all the key ways to improve or succeed in retirement. But what about how you can mess it all up? Let’s tackle five easy ways to ruin your retirement (then just do the opposite of these things and you’ll be fine).
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
The IRA is an incredibly popular vehicle to save for retirement. But are you being too passive about how you’re saving and investing inside that account? Let’s put your IRA through some scrutiny to see if you’re truly taking advantage of all it has to offer and understand its pros and cons.
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
There are a few new, exciting changes coming to the podcast. Tune in to see what's in store for the future!
Important Links:
Website: myretirementclarity.com/podcast/
Call: 478-254-3550
It is a life event that can be one of the most difficult things to go through both emotionally and financially. When one spouse dies, the remaining spouse is left to wrestle with a mountain of questions and choices. And although it’s difficult to discuss, proper planning can help make it easier to transition through this major life event. Let’s explore what someone should do in the event of a spouse’s passing, but also some of the pre-planning that can take place.
Important Links:
Website: https://jlperkinswealth.com/podcast/
Call: 478-254-3550
We often find that people are clinging to certain ideas or beliefs that end up giving them a sense of false hope about their retirement. It’s a dangerous position to be in. Let’s explore some of the faulty thinking that ultimately leaves people underprepared for retirement.
Important Links:
Website: https://jlperkinswealth.com/podcast/
Call: 478-254-3550
It seems that most people don’t have a clear picture of whether they should contribute to a traditional IRA or a Roth. Let’s discuss how to determine what’s best for you.
Important Links:
Website: https://jlperkinswealth.com/podcast/
Call: 478-254-3550
We were playing the dangerous game of perusing the comments section of a recent article about COVID-19 and the impacts on retirees and how much money you’ll need to retire going forward. The trip into the comments section is always a mixed bag of trolling, inaccuracies, and sometimes surprisingly helpful insight from what we’ve come to describe as “Keyboard Warriors.” So, let’s look at some of the sentiments found under this recent article and see if they resonate with how others truly see the financial world, retirement, and how to best prepare for it all.
Important Links:
Website: https://jlperkinswealth.com/podcast/
Call: 478-254-3550
Let’s talk about some financial planning “strategies” that don’t really work (even though some people, even some financial advisors, believe in them).
Important Links:
Website: https://jlperkinswealth.com/podcast/
Call: 478-254-3550
Dave Ramsey has earned a lot of respect among savers and investors over the years as evidenced by his enormously popular radio show, books and sold out performance venues when he speaks. But is all of his advice worth following? Is it possible that some of the things he professes will actually hurt you financially? Let’s take a look at some of Dave’s most popular advice and see if and when it makes sense for retirees and pre-retirees to disagree.
Important Links:
Website: https://jlperkinswealth.com/podcast/
Call: 478-254-3550
We were planning to bring up this conversation before the Coronavirus pandemic hit, but now it just makes it even more important to discuss. You likely seek financial advice from lots of difference sources. And some of those sources will certainly have good intentions, but they’ll often give bad financial advice. Let’s look at some examples and explore the reasons why we have to be very careful from whom we’re taking this important guidance.
Important Links:
Website: https://jlperkinswealth.com/podcast/
Call: 478-254-3550
Sometimes events happen in life that make it really important for you to carefully assess your financial situation. Let’s explain why each of these events is usually a good reason for a financial review.
Important Links:
Website: https://jlperkinswealth.com/podcast/
Call: 478-254-3550
Have you ever gotten lost? Not that much fun is it? Well, getting lost in the car or in the woods is a lot like getting lost in retirement planning. Let’s look at the reasons that people get lost, and then how to get back on track.
Important Links:
Website: https://jlperkinswealth.com/podcast/
Call: 478-254-3550
The Coronavirus (COVID-19) is having a dramatic impact on our daily lives and many people are taking a huge financial hit from lost wages, a volatile stock market, and general economic uncertainty. Lee will give his thoughts on the current situation and why having a plan is so crucial in times like these. We will also discuss some financial truths that we can state with confidence and see what we can learn from them.
Important Links:
Website: https://jlperkinswealth.com/podcast/
Call: 478-254-3550
The idea of a Roth conversion is intriguing to a lot of people, and for some people it can be a great strategy to enact. Let’s explore the concept…
Important Links:
Website: https://jlperkinswealth.com/podcast/
Call: 478-254-3550
Different people have different levels of desire when it comes to finding their retirement date. Let’s explore these different levels of desire, as indicated by the statements people might make, and discuss how we’d help someone at these different levels.
Important Links:
Website: https://jlperkinswealth.com/podcast/
Call: 478-254-3550
A lot of financial professionals say things that just aren’t true. And it’s not that they’re intentionally trying to mislead, it’s just that they’ve been trained to use certain talking points, which they might even believe to be true themselves. Let’s talk about the statements you should be cautious of if you hear them from a financial advisor.
Important Links:
Website: https://jlperkinswealth.com/podcast/
Call: 478-254-3550
It’s always good to keep yourself up to date with what’s going on in the financial world. But it’s also important to understand that the information you get from the media isn’t completely unbiased. Let’s talk about some of the problems with the financial media.
Important Links:
Website: https://jlperkinswealth.com/podcast/
Call: 478-254-3550
Sometimes people say they don’t want to retire…and sometimes they really mean it. Other times it’s just a defense mechanism to compensate for the fact that they feel like they can’t retire. So let’s explore some of the possible meanings behind the statement, “I don’t want to retire.”
Important Links:
Website: https://jlperkinswealth.com/podcast/
Call: 478-254-3550
Trustworthy. Likeable. Problem-solving. Good listener. We should be describing your financial advisor or a potential advisor if you’re in the process of finding one. On today’s show, we’ll talk about why it’s so important for your advisor to embrace these kinds of characteristics. That’s the easy part. But we’ll also tackle the harder part and discuss some tangible ways how you can determine if an advisor has these characteristics or not.
Important Links:
Website: https://jlperkinswealth.com/podcast/
Call: 478-254-3550
Myths, rumors, and misunderstandings are pervasive in the world of Social Security. On this show, we'll look to clear up the top 5 misunderstandings about Social Security.
Important Links:
Website: https://jlperkinswealth.com/podcast/
Call: 478-254-3550
Not everything goes smoothly in your financial life. We'll look at some negative circumstances that many retirees and pre-retireers face and help you find the silver lining in the midst of tough situations.
Important Links:
Website: https://jlperkinswealth.com/podcast/
Call: 478-254-3550
While there are some factors that are different for everyone in retirement planning (variables), there are also constants that affect everyone, no matter the specifics of your situation. How do we plan around these constants?
Important Links:
Website: https://jlperkinswealth.com/podcast/
Call: 478-254-3550
Sometimes being a good financial advisor means having uncomfortable conversations. We’ll take a look at how advisors should help clients navigate various tricky situations. If you’re going to be working with a financial advisor, make sure they’re pushing you to address these kinds of topics.
Important Links:
Website: https://jlperkinswealth.com/podcast/
Call: 478-254-3550
The last decade of your working life is a very important one from a retirement planning perspective. Let’s talk about some of the things you want to be sure you address during that 10-year period.
Important Links:
Website: https://jlperkinswealth.com/podcast/
Call: 478-254-3550
Even for people who have been very responsible with their money over the years, entering retirement can still be a challenge because it’s such a different stage of life. Let’s talk about some of the missteps that even responsible savers can make…
Important Links:
Website: https://jlperkinswealth.com/podcast/
Call: 478-254-3550
As we get into the 2nd half of 2019, there are several planning items you might want to run a quick checkup on, especially if you’re a retiree, or pre-retiree, to make sure you’re still on the right financial track. Are you focusing on the right things? Listen to today’s podcast to find out.
https://jlperkinswealth.com/podcast/
Some people (in fact, probably most people) find it easy to procrastinate when it comes to financial planning issues. But let’s talk about some scenarios that might cause people to have a bit more sense of urgency…
https://jlperkinswealth.com/podcast/
On this inaugural episode of The Macon Money Podcast, we'll get a behind-the-scenes look at your host, Lee Perkins. We'll find out about his personal and professional background, how he initially got involved in the financial industry, and why he decided to start this podcast in the first place.
https://jlperkinswealth.com/podcast/