Retirement Education Hour: Recent Episodes
Retirement Education Foundation
Kirk Cassidy and Dr. Paul Metler shed light on the retirement industry.
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People experience significant stress as they approach the end of their working years. It's a huge change to transition from working to retirement, but we don't want to allow fear and anxiety to have a front seat in your retirement plan. In this episode of the Retirement Education Hour, Kirk and Dr. Paul show how to keep those negative feelings at bay.
In this episode of the Retirement Education Hour, Kirk and Dr. Paul talk about investing in your future, and they discuss options to get in control. They explain the importance of getting the right type of education so you can be empowered to find the right people to help you.
In this episode of the Retirement Education Hour, Kirk and Dr. Paul discuss the economy and what could happen if there's a recession. Markets go up and down—and sometimes, they REALLY go down. If someone is getting close to retirement, or if they're in retirement, what should they be thinking about, and how do they even begin to plan for something like this?
In this episode of the Retirement Education Hour, Kirk and Dr. Paul discuss the economy and what could happen if there's a recession. Markets go up and down—and sometimes, they REALLY go down. If someone is getting close to retirement, or if they're in retirement, what should they be thinking about, and how do they even begin to plan for something like this?
Bonus! Testing out a new video format for the Retirement Education Hour.
In the latest episode of the Retirement Education Hour, Kirk and guest instructor Michael explain that there are real risks in retirement we have to acknowledge, but there are also perceived risks. It's a blurred line. There are a lot of risks that are real, but often used to manipulate people into making poor decisions, such as hiring the wrong advisor or buying the wrong products—doing things that don't produce the best outcomes.
In the latest episode of the Retirement Education Hour, Kirk and guest instructor Michael explain that there are real risks in retirement we have to acknowledge, but there are also perceived risks. It's a blurred line. There are a lot of risks that are real, but often used to manipulate people into making poor decisions, such as hiring the wrong advisor or buying the wrong products—doing things that don't produce the best outcomes.
Ignorance isn't bliss, especially when it comes to retirement planning. You don't know what you don't know. As a follow up to an episode we released in September of 2023, Kirk and Dr. Paul stress the importance of having both spouses involved in the retirement planning process.
Sometimes, one spouse isn't interested in being involved. It's the responsibility of the other spouse. But what happens if that other spouse passes away first. Now what do they do?
After teaching one of the Retirement Education Foundation's advanced retirement courses, our financial instructors often hear feedback like, "Wow - I can actually retire!" Quite often people already have what they need to get the retirement they want. In this episode of the Retirement Education Hour, Kirk and Dr. Paul stress that the less you spend in retirement, the more the financial industry makes. For most people, spending less and working longer is not sound advice for retirement.
Successful retirement doesn't happen by chance. And everyone in the financial services industry claims to have all of the answers. There's a lot of chatter and buzzwords out there promising the best strategies for retirement. It's everywhere.
In this episode of the Retirement Education Hour, Kirk and Dr. Paul answer the questions: Which voices should you be listening to? And who do you need to be tuning out?
In addition to creating the Retirement Education Hour podcast, instructors from the Retirement Education Foundation also produce The Rundown, a educational video series featuring timely information for making informed decisions in and approaching retirement.
In this clip, Kirk and Michael describe behavioral finance, which is a study of economics. They explain four types of biases that consumers face when thinking about their finances:
- Overconfidence Bias
- Hindsight Bias
- Confirmation Bias
- Herd Behavior
Who are you getting advice from when planning for retirement? In this episode of the Retirement Education Hour, Kirk and Dr. Paul explain that not all advisors are created equal. You've got to choose the right one for your situation and your stage in life.
In this special edition of the Retirement Education Hour, Kirk and Dr. Paul answer questions about retirement planning from people like you! We've pulled questions from people who have attended our courses—questions you might have asked yourself.
There's a difference between information and knowledge. A lot of people have information, but most in the financial services industry who provide advice and services around retirement—well, they have a lot of information, and they love to share it—but few of them have the real knowledge to provide the help based around the information that they're sharing.
In this episode of the Retirement Education Hour, Kirk and Dr. Paul discuss the bad, the worst, and the ugly of actively managed mutual funds. So many people out there own them, but most don't really know what they are, or how they can put their retirements at risk.
In this episode of the Retirement Education Hour, Kirk and Dr. Paul lift the curtain behind perceptions the financial industry tries to create. Everyone is really saying the same things. How do you translate what they're saying and understand what they're actually doing? Here are some of the things they say—and the things they don't say—and the motivating factors behind what they're telling you to do.
In this episode of the Retirement Education Hour, financial instructors Kirk and Dr. Paul answer the following questions about our economy:
- What do we need to know about the economy?
- What state is it in?
- How could it affect someone retiring today, or a year from now?
- How do we plan accordingly when it comes to where the economy is sitting?
People often think, "If I make a mistake, there's always a chance to go back and fix it." But when it comes to retirement planning, it may be too late to fix these mistakes. In this episode of the Retirement Education Hour, Kirk and Dr. Paul highlight which mistakes to avoid and how to fix mistakes you've already made, before it's too late.
In this episode of the Retirement Education Hour, Financial Instructors Kirk Cassidy and Michael Masserant stress that there are ways to gain control, but there are also mistakes we can make on our road to retirement.
In the episode of the Retirement Education Hour, Kirk and Dr. Paul define what it means to be a conservative investor, moderate-conservative investor, moderate investor, moderate-aggressive investor, and an aggressive investor.
People don't really understand what the risk label they've given themselves really means in terms of how much your portfolio could lose--and whether you need less risk, or more risk, to accomplish your goals.
In this episode of The Retirement Education Hour, Dr. Paul Metler, Psy.D. joins Kirk to share his insights on behavior and psychology and how they impact a person's sense of success and happiness throughout their retirement.
In this episode of the Retirement Education Hour, Kirk and Dr. Paul explain that so many people say, "It's not going to happen to me." But be careful! The data tells us that elder abuse is happening at an alarming rate - and it's a massive issue that's hitting people in their 50s, 60s and 70s.
In this episode of the Retirement Education Hour, Kirk Cassidy and Dr. Paul Metler discuss what you need to be thinking about BEFORE you begin planning for retirement. Questions you should ask include: What are your goals? What's your vision? What's your timeline? What are your resources? And what risks should you be planning for?
In the latest episode of the Retirement Education Hour, financial instructors Kirk Cassidy and Michael Masserant explore both "forced" and "unforced" errors as it applies to planning for retirement.
In the final episode of the year, Kirk and Dr. Paul discuss lessons we learned in 2023, and how to apply this knowledge to better help us going into 2024.
In this latest episode, Kirk and guest instructor Michael Masserant draw a distinction between the two types of financial advisors that exist today. And they share how you should know if you're working with the most appropriate advisor for the next phase of your life.
On this episode of the Retirement Education Hour, Kirk and Dr. Paul provide an overview of what you can expect when you attend one of our full 8-hour retirement courses.
On this episode of the Retirement Education Hour, Kirk Cassidy and Dr. Paul Metler reflect on things in life that are out of control. But there's good news! Today they highlight things you can control, especially as it relates to retiring successfully in this world of chaos.
Segment 3 of Episode 190 shows the interview questions you should ask a potential financial advisor--and how their responses will tell you if you've found the right fit.
In this episode of the Retirement Education Hour, Kirk and Dr. Paul want you to ask "Who is going to help you get to and through retirement? Who is going to be your financial Guru, your guide and your retirement planner?"
In this episode, Lead Instructor Kirk Cassidy, and guest Instructor Michael Masserant mix things up and talk about retirement in a way that most people are not used to hearing. For example, after a 10-year bull run, many people are overconfident about their financial literacy. Just because you've done a great job saving, it doesn't mean your necessarily prepared for retirement.
In this episode of the Retirement Education Hour, Kirk Cassidy and Dr. Paul Metler announce big news from the Retirement Education Foundation.
In this episode of the Retirement Education Hour, Kirk Cassidy and Dr. Paul Metler explain some of the most important things every successful retirement plan needs to have. If you don't have these things, it's probably time for a second opinion.
In this episode, Kirk Cassidy and guest host Michael Masserant cover the essential questions that your advisor should be asking YOU. If they're not asking these questions, you might have a red flag.
In this episode of the Retirement Education Hour, Kirk and Dr. Paul explain that the number one mistake people make is underestimating the income they'll need in retirement, or underestimating the amount of income they can generate from what they've saved.
In this episode of the Retirement Education Hour, Kirk and Dr. Paul explain how advanced tax planning will allow you to build what might be the most important lever that you can pull for a successful retirement.
In the latest episode of the Retirement Education Hour, Kirk and Dr. Paul address disturbing statistics around women and retirement--where we often see men who manage a household's financial aspects, and they leave their wives in a vulnerable position if they pass away first.
Major market events occur every four to seven years. In this episode of the Retirement Education Hour, Kirk and Dr. Paul discuss whether or not we're officially in a recession. And they answer three key questions:
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Are you prepared for the next major market event?
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How should you behave the next time a major market event happens?
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How do people actually behave when one occurs?
The financial services industry is not giving you all of the answers to maximize and be able to enjoy the best quality in retirement. Because no one is educating you on how to maximize your income, how to pay as little in taxes as possible and how to manage your behaviors during volatile times.
In this episode of the Retirement Education Hour, Kirk and Dr. Paul explain how fear and uncertainty keep many people from spending what they should throughout their retirement years--and instead, they work longer than they need to, they spend less than they should and the allow short term events and politics drive their retirement decisions.
Why not ask for help when you need it? In this episode of the Retirement Education Hour, Kirk and Dr. Paul dig deep and explore why some people don't do what they know they need to do when they need to do it.
In this episode of the Retirement Education Hour, Kirk and Dr. Paul stress that your investment strategies while you're working shouldn't be the same as those when you're in or approaching retirement. Once you retire and you start pulling out money to live on, it's not what you invest in—it's taking the right income at the right time.
Kirk and Financial Instructor Michael Masserant explain the "if", "when" and "how" mapping out your Roth conversions will deliver the results you want in retirement.
In this mini episode of the Retirement Education Hour, Kirk and Financial Instructor Michael Masserant explain how proper education and planning can eliminate much of the worry that retirees face.
Financial Instructors Kirk Cassidy and Dr. Paul Metler give strategies to help prevent abuse for yourself, your spouse and your family.
Financial Instructors Kirk Cassidy and Michael Masserant ask the question, "Do you already have what you need to give you what you want in retirement?"
Kirk and Dr. Paul explain why it's essential to set up pivot accounts that can be turned on throughout unexpected market events.
Kirk and Dr. Paul explain how to prepare for recessions throughout your retirement years without fear or worry.
Kirk and Financial Instructor Michael Masserant explain why the retirement industry often tries too hard to push their clients into "one size fits all" types of financial plans.
"Is it too early to starting thinking about retirement, or am I too late?" In this episode of the Retirement Education Hour, Kirk and Paul explain why right now is the time you have to plan.
Kirk and Paul discuss ways to manage emotions and bahave rationally during times of market turmoil.
Kirk is joined by Financial Analyst Michael Masserant for a discussion on the state of the economy.
Kirk and Paul discuss what makes a real retirement plan, and it isn't a "probability of success" chart. Listen to see what goes into a real, comprehensive custom retirement plan.
Kirk and Financial Analyst Michael Masserant discuss the psychological hurdles that often accompany retirement planning and investing, and how proper planning can help to mitigate woes.
Kirk and Paul discuss the financial service industry's over-reliance on one-size-fits-all solutions, when each individual needs a custom solution to fit their unique needs.
Kirk is joined by Financial Analyst Michael Masserant to discuss the ever-evolving variety of tools and investments available to build your retirement.
Kirk and Paul explain how your evolving relationship with money in retirement can cause an emotional response.
Kirk and Paul dive into many myths, misconceptions, and half-truths that are prevelant and share ways to avoid them.
Kirk and Paul explain how a low interest rate environment perpetuates a "War" against seniors and savers.
Kirk and Paul explain why taxes are such a significant factor in your retirement, and strategies for reducing the impact.
Kirk and Paul discuss some of the steps you can take to ensure the advisors you work with are doing what's in your best interest, not theirs.
Kirk and Paul discuss the important decision to take a pension or opt for a lump sum, and share what they think are the most important factors to consider when making the choice.
Kirk and Paul discuss setting realistic expectations for your retirement, and what to do when expectations aren't met.
Kirk is joined by Financial Analyst Michael Masserant to discuss how you can take measures to lessen the impact of inflation on your retirement plan.
Kirk and Paul discuss the challenges of investing conservatively in a low interest rate environment.
The amount of information available to do-it-yourself retirees is staggering, and with no guide it can be hard to decipher the truth from the myths and misconceptions most commonly seen. Kirk and Paul take a look at some of the most prevalent examples of retirement myths.
Kirk is joined by Financial Analyst Michael Masserant to discuss the pros and cons of "K.I.S.S." (Keep It Simple, Stupid) retirement planning.
The most vulnerable members of our society are being targeted by scammers. Kirk and Paul discuss financial elder abuse and give you tips to avoid falling prey to a financial trap.
This week, Kirk and Paul discuss what is needed for a comfortable retirement - namely, a rock-solid plan.
Are "Rules of Thumb" doing you more harm than good in retirement? Kirk and Paul discuss the need for custom plans for a modern retirement.
Kirk and Paul continue a conversation on Sequence of Return risk, the #1 risk to your retirement.
Kirk and Paul discuss personal biases that can impact your retirement, and how you can use planning to combat these tendencies.
Kirk is joined by financial analyst Michael Masserant to discuss the number 1 risk for your retirement: Sequence of Return Risk.
Are you actually prepared to plan your retirement, or do you only think you are? Kirk and Paul discuss what can go wrong when you overestimate your understanding of the many mechanisms at play in a retirement plan.
Do you know what to do to make sure you don't outlive your money? You can avoid simple mistakes with some advice from Kirk and Paul.
Kirk is joined by financial analyst Michael Masserant for a discussion on risk, including ways the financial services industry tries to downplay certain risks.
Kirk is joined by Financial Analyst Michael Masserant to discuss the shortcomings of what was once an industry standard rule of thumb, the 4% rule, and the problems it presents in modern investment portfolios.
What common mistakes are being made when planning for retirement? Kirk and Paul share some of the biggest missteps that can lead to you outliving your money.
Kirk is joined by financial analyst Michael Masserant to discuss how retirement and retirement planning are rapidly changing, and what you can do to keep up.
With Ford and other companies hitting workers with layoffs, forcing many boomers out of the workforce, Kirk and Paul address methods of dealing with an unexpected early retirement.
Kirk and Paul explain why the economy and the market can behave in ways that don't seem to correlate.
What is market valuation, and how can it affect your retirement? Kirk and Paul discuss this important factor that can have an impact on when you are able to retire.
This episode's topic is about behavioral finance. Many people may not realize that psychology and financial health go hand in hand. Kirk and Paul discuss the different behaviors we all have and how they can impact our retirement.
Kirk and Paul discuss how an election can impact the success or failure of your retirement plan.
We saw the market go from a Bull Market to a Bear Market in a short order. Can we still be successful if the Bull is no longer raging on Wall Street? Kirk and Paul discuss what really drives performance and it may not be what you think.
In this episode Kirk and Paul will be focusing on bonds; what they are, how they're priced, and what you need to know about them.