Your Retirement Solution Podcast: Recent Episodes
Jim Black
On Your Retirement Solution Podcast, we help to change and improve people’s lives by helping to identify the income they need and want to achieve their hopes and dreams in retirement. We call that freedom. Start planning to live the life you always dreamed of today. The purpose of our podcast is to provide financial education about retirement planning strategies and topics that affect today’s retirees.
If you are nearing retirement you can start to get anxious about whether or not you can maintain your current lifestyle.
But don't worry, there is a solution!
In this episode, Shane Perry explains the top 3 decisions to make now regarding your retirement. He explores why resetting your clock is one of the best ways to move into retirement.
Shane discusses:
- Why you should start your financial planning with the end in mind
- Understand how much money it takes on a monthly or yearly basis to maintain your current lifestyle
- What you want to do with your time in retirement
- And more
Connect With Shane Perry:
- shane@trsfamily.com
Connect With The Retirement Solution:
- The Retirement Solution
- (888) 500-5830
About Shane Perry:
At the beginning of 2014, Shane joined The Retirement Solution as a Client Manager with the motivation and commitment to represent a client’s needs above all else. In 2019, Shane changed his title to Associate Planner. Seeking to build on his passion to further help people transition smoothly into retirement with the knowledge and confidence of a solid income plan, Shane was promoted to Financial Planner status in June 2020. Building strong relationships and watching his clients achieve and sustain their retirement hopes and dreams is what inspires Shane’s work to thrive every day.
Social Security is a huge decision we make in retirement that requires you to know when to do it, how to do it, and understanding these things can relieve stress and anxiety.
In this episode, Tyler Lively walks you through understanding how to file for Social Security, and how to best approach it. Tyler shares the four retirement benefits, how people qualify, along with tips and tricks for filing for Social Security.
Tyler discusses:
- Understanding the four Social Security retirement benefits
- Tips and tricks for filing for Social Security
- If Social Security is taxable
- Why you should have a guide to help you with Social Security
- And more
Connect With Tyler Lively:
- tyler@trsfamily.com
- (425) 558-3700
Connect With The Retirement Solution:
- The Retirement Solution
- (888) 500-5830
About Tyler Lively:
Tyler is a native of Washington state, having grown up in Redmond. He has always had a passion for learning and finding the optimal solution to any goal. This drive pushed him to graduate from the prestigious Marriott School of Business (rated one of the top 10 entrepreneurship programs in the U.S.¹).
How are you preparing your finances in 2022?
In this episode, Cindy Mueller discusses the top 5 suggestions for preparing your finances in 2022. Cindy covers budgeting, estate planning, and how inflation affects your finances. Plus, Cindy talks about the proposed tax law changes from Congress.
Cindy discusses:
- Why budgeting can be important to a retiree
- What can happen if you don’t have a will
- How inflation can affect your finances
- The tax law changes Congress is proposing for 2022
- What you can expect in a life-changing event in 2022 like planning to retire
- And more
Connect With Cindy Mueller:
- cindy@trsfamily.com
- The Retirement Solution
- Cindy Mueller on LinkedIn
Connect With The Retirement Solution:
- The Retirement Solution
- (888) 500-5830
About Cindy Mueller:
Cindy Mueller joined The Retirement Solution in 2008 with a commitment to delivering sound principles of financial management. She offers clients professional counsel in personal finance, investment advisory services, estate planning, and retirement planning.
There is plenty of financial and retirement planning that needs to be done before the end of the year, and in the new year.
In this episode, Mike Whitemore provides us with an overview of what The Retirement Solution helps clients with at the end of the year, and in Q1 of the new year. Mike explains the penalty given if you do not take your required minimum distribution, and why right from the beginning of the year it’s good to start having your RMD in place.
Mike discusses:
- What The Retirement Solution does for clients at the end of the year
- Why making sure clients have taken their required minimum distributions before December 31st is so important
- Taking steps to ensure you have required minimum distributions in place in January
- How you can look to improve your credit score
- And more
Connect With Mike Whitmore:
- mike@trsfamily.com
- (425) 558-3700
- LinkedIn: Mike Whitmore
Connect With The Retirement Solution:
- The Retirement Solution
- (888) 500-5830
About Our Guest:
Mike Whitmore graduated from Brigham Young University with a BS in Business Management and Marketing and a minor in Dutch Literature. He is a Financial Planner with The Retirement Solution, serves as the President of the Advisory Board for Velvet Media, and is a former co-founder of Fresh Consulting. Prior to becoming a financial planner, Mike worked with Apptio, one of Seattle’s fastest growing SaaS enterprise software firms*, managing the client relationship with Apptio’s top clients for building their practice of Technology Business Management.
It’s a difficult situation for anyone when your spouse passes away, and you're suddenly on a deadline with the IRS to make plenty of financial decisions right away.
In this episode, Travis Johnson is here to speak about why it’s important to talk about death and taxes. Travis explains the tax deadline an individual is subjected to when their partner passes away, and how to deal with the deadline. Plus, key ways The Retirement Solution helps clients deal with organizing their particular situation.
Travis discusses:
- What you need to know about death and taxes
- How The Retirement Solution helps clients in particular situations
- Why you should have passwords to important accounts documented
- How to deal with suddenly needing to pay taxes to the IRS
- And more
Connect With Travis Johnson
- travis@trsfamily.com
- (425) 558-3700
Connect With The Retirement Solution:
- The Retirement Solution
- (888) 500-5830
About Our Guest:
Travis Johnson was raised in Redmond, Washington where he continues to reside. Subsequent to high school, he earned a degree in Business Administration at the University of Washington, graduating with a minor in Policy Studies and prestigious Cum Laude honors.
In 2015, he began his financial career at Bank of America, first as a Relationship Manager in Sammamish before his promotion to Financial Advisor at Merrill Lynch in Bellevue. In both roles, Travis enjoyed assisting clients in their pursuit of their goals, while educating them on options and strategic financial solutions that would enhance their ability to achieve their dreams. His passion to work with clients in the realization of their retirement dreams, both holistically and dynamically, is what ultimately spurred the transition to TRS in November of 2019.
Outside of the office, Travis can be found volunteering with his local Kiwanis group, reading novels, enjoying his two energetic dogs, and either discovering the newest restaurant trend or creating a memorable new recipe with his family.
According to the IRS, about 75% of taxpayers take the standard deduction, but could be missing out on valuable tax deductions if they can itemize.
In this episode, Shane Perry is here to share with you all the key details about year-end tax planning. Shane shares basic things you can do to help yourself from a tax standpoint, how you can help offset your income at the end of the year and more.
Time Critical Items for End of Year Tax Planning:
- December 31st Deadline Items
- Act Now to Save Taxes
- How to save money by reducing your taxes
- New Tax Law Legislation to Consider
- Last Minute Tax Deductions
- And more
Connect With Shane Perry:
- shane@trsfamily.com
- The Retirement Solution
Connect With The Retirement Solution:
- The Retirement Solution
- (888) 500-5830
About Our Guest:
Shane Perry received his Bachelor of Science in Financial Planning and Advising from Purdue University. In addition, he studied Economics with emphasis on investment mathematics, accounting, estate planning, statistics, and tax law.
At the beginning of 2014, Shane joined The Retirement Solution as a Client Manager with the motivation and commitment to represent a client’s needs above all else. In 2019, Shane changed his title to Associate Planner. Seeking to build on his passion to further help people transition smoothly into retirement with the knowledge and confidence of a solid income plan, Shane was promoted to Financial Planner status in June 2020. Building strong relationships and watching his clients achieve and sustain their retirement hopes and dreams is what inspires Shane’s work to thrive every day.
The end of the year means it’s time for clients’ portfolio reviews. That means it’s time to ensure that you’re still meeting your goals, and checking your risk tolerance.
In this episode, join Cindy Mueller as she explains her analysis of portfolio reviews. Cindy walks us through what a balanced portfolio is, the biggest red flags she spots in portfolios, and how taxes are affected in an investment portfolio.
Cindy discusses:
- What a portfolio review means
- What a balanced portfolio is
- What some of the red flags are when looking at someone’s portfolio
- How are taxes affected by an investment portfolio
- And more
Connect With Cindy Mueller:
- The Retirement Solution
- cindy@trsfamily.com
Connect With The Retirement Solution:
- The Retirement Solution
- (888) 500-5830
About Cindy:
Cindy joined The Retirement Solution in 2008 with a commitment to delivering sound principles of financial management. She offers clients professional counsel in personal finance, investment advisory services, estate planning, and retirement planning.
Cindy grew up in Camas, Washington and holds a BA in Finance from Washington State University. Following graduation, Cindy was accepted into Washington Mutual’s two year management training program where she spent 12 years in various financial roles. In addition to raising her three bustling children, Cindy was active in the Bellevue School District for multiple years as PTSA President, Treasurer, and Auction Chair, earning Volunteer of the Year and the Golden Acorn Award, which is awarded for outstanding service to youth in the community. Additionally, Cindy was awarded the Interlake High School Booster Award.
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Potential Medicare changes may soon happen. It’s important to know what those changes will mean for you and your healthcare coverage.
In this episode, Tom Black considers some of the possible changes to Medicare that may happen in the future and what that would mean. Tom talks about how people who jumped into Medicare and have now gone back to the workforce and are receiving benefits can manage their situation.
Tom discusses:
- The potential cost increase to Medicare
- The penalty for not taking Medicare and what situation this applies to
- What people who are receiving Medicare and benefits from their employer need to know
- The most important part of Medicare’s open enrollment period
- And more
Connect With The Retirement Solution:
- The Retirement Solution
- (888) 500-5830
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In the current economic situation, excitement can build with the thought of the availability of investing opportunities. However, some opportunities could lead to great risk. Talking about boring investing could really be a valuable conversation.
In this episode, Mike talks about the exciting part of boring investing. When it comes to cryptos and stocks, it can be exciting to invest in riskier stocks in hopes to get rich quick but it is never that simple. Having individual stocks could be a great way to get rich, but it is a lousy way to stay rich.
Mike Whitmore discusses:
- Why diversification is so important
- What he thinks about cryptos
- Why you should stop gambling with your future
- The benefits of having a retirement plan
- And more
Connect With Mike Whitmore
- (425) 558-3700
- Mike on LinkedIn
Connect With The Retirement Solution:
- The Retirement Solution
- (888) 500-5830
About Mike Whitmore
Mike is an experienced Financial Planner with a demonstrated history of working in the financial services industry. Skilled in Search Engine Optimization (SEO), Sales, Conference Speaking, IT Strategy, and Management, Mike has a strong finance professional with a BS focused in Marketing from Brigham Young University.
When should you start your social security benefit?
In this episode, Cindy Mueller is here to break down all things social security. From the basics of how you become eligible for social security, to the more complex dynamics of taxes, this episode will answer the questions you have about social security.
Cindy discusses:
- What is social security, when can you start it, and how you can become eligible
- How much you receive in monthly benefits
- How spousal benefits work
- Taxes related to social security
- And more
Connect With Cindy Mueller
- cindy@trsfamily.com
- The Retirement Solution
- Cindy on LinkedIn
Connect With The Retirement Solution:
- The Retirement Solution
- (888) 500-5830
About Cindy Mueller:
Cindy joined The Retirement Solution in 2008 with a commitment to delivering sound principles of financial management. She offers clients professional counsel in personal finance, investment advisory services, estate planning, and retirement planning.
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As you transition into retirement, your monthly spending changes significantly, especially your discretionary expenses.
So, how do you account for your expenses and ensure they are taken care of?
In this episode, Matt helps you figure out your basic retirement expenses so you can become financially confident in your spending habits and live your dream retirement.
Matt discusses:
- How expenses change during the go-go, slow-go, and no-go years of retirement
- Why it’s possible to achieve your financial goals despite a low income before retirement
- Important retirement expenses which are often overlooked
- Reasons to build a customized financial plan instead of relying on generic rules of thumb
- And more
Connect With Matt Perrone:
- (425) 558-3700
- Matt@trsfamily.com
Connect With The Retirement Solution:
- The Retirement Solution Inc.
- (888) 500-5830
About Matt Perrone:
As a financial planner, Matt Perrone focuses on one goal in his work — to give clients a sense of confidence by managing their life savings with the utmost care and integrity. For as long as he can remember, he has been passionate about helping others make wise financial choices. To this day, Matt finds his work both fun and meaningful. Matt is also involved with charities that aid disadvantaged youth and that support the arts and education. Before transitioning to Finance in 2015, Matt spent seven years in Hospitality and Business Management. His previous experience has allowed him to bring a more personalized level of care and service to his clients.
It’s not enough for your advisor to know what’s going on with your retirement, you need to know as well.
Of course you want to spend all the money you saved for retirement. In this episode, Tom Black shares how you can be successful in your retirement. Tom speaks about some of the “rules” around retirement spending and why not everyone can keep up with them.
Tom discusses:
- Why more people are looking towards retirement
- The first step to creating a real retirement plan
- Why having a good handle on your monthly will likely lead to you having a successful retirement
- The “rules” of retirement and spending and why it’s not for everyone to follow
- And more
Connect With Tom Black:
- 855-895-2586
- tom@trsfamily.com
Connect With The Retirement Solution:
- The Retirement Solution
- (888) 500-5830
About Tom:
As a Financial Planner, Tom has a thorough understanding of the complex issues that must be addressed when preparing a strategic retirement plan.
Tom has always been interested in wealth management, graduating with a Finance degree from Brigham Young University. He attributes his career path to his passion and desire to help enrich peoples’ lives. Tom is motivated by helping people maintain financial independence and their active lifestyle long into retirement by providing a holistic financial review process. Prior to joining TRS, Tom gained extensive experience overseeing client-business relationships, client satisfaction strategies, accounting, budgeting, projections, and financial operations at Abadan, Yakima Valley Farmworkers, and Connell Grain Growers.
No one wants to have a conversation about end of life assistance after a loved one has passed on. Start having those conversations today.
In this episode, Tyler Lively talks about spousal assistance and how you can ensure your loved ones are protected if you were to pass away abruptly. Tyler explains how spouses can be successful in planning survivorship, and what some of the biggest worries people like you have.
Tyler discusses:
- The best time to have the conversation about what happens when a spouse passes away
- How spouses can be successful in planning survivorship
- Some of the biggest pitfalls of clients who are still working when it comes to end of life planning
- Some of the biggest worries that you’ve seen couples have in regards to end of life
- And more
Connect With Tyler Lively
- tyler@trsfamily.com
- (425) 558-3700
Connect With The Retirement Solution:
- The Retirement Solution
- (888) 500-5830
About Tyler:
Tyler is a native of Washington state, having grown up in Redmond. He has always had a passion for learning and finding the optimal solution to any goal. This drive pushed him to graduate from the prestigious Marriott School of Business (rated one of the top 10 entrepreneurship programs in the U.S.¹).
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To all parents out there, do you talk about money with your children?
If so, what’s your approach?
In this week’s episode, The Retirement Solution’s Mike Whitmore quickly breaks down how to start, introduce, and maintain financial and money-related conversations with kids depending on their stage as pre-teenagers, teenagers, and adult children.
Mike discusses:
- Teaching your pre-teen children how to handle money, and what are the benefits of setting up UGMA accounts for them
- Why have tax, “paying yourself first,” debt, and credit history-related conversations with your teenage children as they receive their first paycheck and are ready to go to college
- The importance of emergency funds, saving for retirement, and power of attorney documents for adult children
- The difference between consumer and educational debt
- What is “bank on yourself,” and what’s its role within the mortgage and life insurance arena
- AARP considerations for adult children
- And more!
Resources:
- Uniform Gifts to Minors Act (UGMA)
- LinkedIn: Jim Black
- Bankrate
- Investing For Dummies by Eric Tyson on Amazon
- dummies - Learning Made Easy
- AARP
Connect with Mike Whitmore:
- mike@trsfamily.com
- LinkedIn: Mike Whitmore
- (425) 558-3700 (TRS - Redmond, Washington)
Connect with The Retirement Solution:
- The Retirement Solution
- (888) 500-5830
About Mike Whitmore:
Mike graduated from Brigham Young University with a BS in Business Management and Marketing and a minor in Dutch Literature. He is a Financial Planner with The Retirement Solution, serves as the President of the Advisory Board for Velvet Media, and is a former co-founder of Fresh Consulting.
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Non-retirement investments are “non-qualified,” meaning that you're investing with after-tax dollars and are not subject to any special tax treatment.
In this episode, The Retirement Solution’s Tyler Lively navigates the path of investing with non-retirement funds. All this while highlighting the role of retirement, taxes, ETFs, and mutual funds within the investment arena.
Tyler discusses:
- From life insurance to college planning: Why follow the general investment hierarchy to invest non-retirement fund money
- Benefits of utilizing after-tax money for investment purposes
- The role of capital gains tax when it comes to after-tax assets – and a breakdown of capital gain rates in 2021
- The idea of “capital loss bank” to offset capital gains
- Utilizing mutual funds in after-tax investments
- The importance of saving during retirement
- And more!
Resources:
- Fund Fact Sheet
- Morningstar
Connect with Tyler Lively:
- About: Tyler Lively
- (425) 558-3700 (TRS - Redmond, Washington)
Connect with The Retirement Solution:
- The Retirement Solution
- (888) 500-5830
About Tyler Lively:
Tyler is motivated by the ability to work closely with clients to help them achieve their financial dreams and goals. Tyler is an integral member of The Retirement Solution Investment Committee and has earned a Chartered Retirement Planning Counselor designation through the College of Financial Planning, as well as the prestigious Certified Financial Planner® designation from the board-registered CFP® educational program.
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While bereavement means losing something significantly meaningful, like a job or connections pre-retirement, bereavement also means losing and facing the passing of a loved one.
In this episode, The Retirement Solution’s Cindy Mueller breaks down everything you need to know about the financial component of bereavement. All this to help you understand how financial planning (and professionals) can help you reduce and mitigate the stress following the passing of a spouse or family member.
Cindy discusses:
- How financial advisors can help you address bereavement
- Using The Retirement Solution’s checklist as a guide: First action items individuals have to take care of after losing a loved one
- Leave IRA’s, Roth IRA’s, and 401k plans alone: Things widows and widower should avoid doing after losing their spouse
- Financial planning considerations to help people reduce the stress after the passing of their spouse
- Stories and experiences of widowed individuals
- And more
Resources:
- Learning Center
Connect with Cindy Mueller:
- LinkedIn: Cindy Mueller
Connect with The Retirement Solution:
- The Retirement Solution
- (888) 500-5830
About Cindy Mueller:
Cindy joined The Retirement Solution in 2008 with a commitment to delivering sound principles of financial management. She offers clients professional counsel in personal finance, investment advisory services, estate planning, and retirement planning.
What does fatherhood mean to you?
How do you envision your retirement years as a father, grandad, or father figure?
In this Father’s Day special, The Retirement Solution’s Matt Perrone explains financial and life coaching considerations you must know as you address and approach retirement as a parent, grandparent, or father figure to someone.
Matt discusses:
- Matt’s memories with his dad, and who are father-like figures to him
- Ways retirees can spend more time with their grandchildren
- Common father-figure type roles people take on before or after retirement
- Advice for people at or near retirement who want to make a difference in their family’s or other people’s lives
- And more
Resources:
- The National Eagle South Association
Connect With Matt Perrone:
LinkedIn: Matt Perrone
Connect with The Retirement Solution:
- The Retirement Solution
- Contact Us
- (425) 558-3700 (Redmond, Washington)
- (888) 500-5830
About Matt Perrone:
Matt Perrone focuses on one goal in his work — to give clients a sense of confidence by managing their life savings with the utmost care and integrity. For as long as he can remember, he has been passionate about helping others make wise financial choices. To this day, he finds his work both fun and meaningful.
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In simple words, a charitable Required Minimum Distribution is still an RMD but the only difference is that you are also directing it to a charity.
In this episode, The Retirement Solution’s associate planner, Shane Perry sheds some light on all things charitable RMDs and gifting to help you understand its different financial components before you pass it down to your heirs and beneficiaries.
You will learn:
- Who can opt for an RMD and what are the new age-related updates?
- Rules for those considering a Qualified Charitable Distribution (QCD)
- How to redirect an RMD to a Donor Advised Fund
- Tax considerations around gifting and reasons why people should gift assets while alive
- How are families using and approaching conversations around charitable RMDs and gifting?
- And more!
Listen today and discover everything you need to know about charitable RMDs and gifting!
Resources: The Retirement Solution: 888-500-5830 | Shane Perry
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A fulfilling retirement requires two things: A financial strategy you are comfortable with and a bucket list of things you can do.
Would you agree?
Today, The Retirement Solution’s president and lead financial planner, Tom Black, discusses everything you need to know about retirement and its components surrounding finances, emotions, and productivity. All this so that you can prepare ahead, fulfill your wishes, and most importantly, retire in retirement.
In this episode, you will learn:
- The importance of building freedom in retirement to do things you want to do
- Why switching from saving to spending is a struggle for retirees – and how to overcome it
- How an income plan can ease the process of transitioning to retirement
- After their last paycheck: How long does the vacation-like feeling last for retirees?
- From traveling, volunteering, and creating new habits: Things you can do to achieve a happy, productive, and long retirement
- And more!
While a to-do list can be handy, tune in today and find out why retirement is all about doing the things that bring meaning to YOUR life!
Resources: The Retirement Solution: 888-500-5830 | Tom Black
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Estate planning is not only for the wealthy. Instead, it’s for anyone who wants their assets and finances to be taken care of (according to their wishes) when they pass away.
One way to do this is through estate planning documents, and that’s exactly what Shane Perry discusses in this episode of Your Retirement Solution. Shane not only introduces the different records you may need but also sheds some light on techniques you can incorporate within your planning to easily pass assets to your beneficiaries.
In this episode, you will learn:
- The breakdown of wills, beneficiary designations, and health care power of attorney’s as crucial estate planning documents
- The importance of drafting documents according to your state laws and following a consistent beneficiary format
- Everything you need to know about wills going into probate
- What are letters of intent and what is their purpose within estate planning
- How guardianship designations can guarantee care for children in the absence of their parents
- And more!
Listen today, and find out how these records can help your estate planning flow as seamlessly as possible!
Resources: The Retirement Solution: 888-500-5830 | YouTube | Shane Perry
How do you envision your overall health and wellness in retirement?
Well, believe it or not, there are six related components you MUST be aware of.
In this episode of Your Retirement Solution, Cindy Mueller explains why physical (and intellectual), mental, emotional, social, environmental, and spiritual health are so important when thinking, envisioning, and planning for your retirement years.
In this episode, you will learn:
- From walking groups and dance clubs, to even puzzles and Sudoku: Why is physical and intellectual health so important in retirement?
- How retirees can tackle mental health
- Things you can do to keep your emotional health on track
- How the pandemic has impacted retirees and their social health
- How environmental components such as smog affect your health in retirement
- The truth about spiritual health in a pandemic and retirement scenario
- And more!
Tune in today and discover what our clients at The Retirement Solution are doing to achieve a fit and healthy retirement!
Resources:
The Retirement Solution I (425) 558-3700 I Cindy Mueller
Did you know that the COVID-19 pandemic has played a huge role in the risky investment arena?
In this episode of Your Retirement Solution, Mike Whitmore discusses must-know considerations surrounding risky investments. All this while referring to the importance of building a risk-proof financial plan.
In this episode, you will learn:
- Anything that loses value: What are risky investments
- Cryptocurrencies, and Mike’s own personal experience: What are some of the risky investments he has seen in his career
- From stimulus checks to stocks: What are some of the trends in risk markets
- The role of The Retirement Solution when it comes to having a plan – and how does it differ from having different investment portfolios
- Why is it important to build a plan and what are some of the time and cost considerations
- And more!
Listen in and find out everything you need to know about risky investments – and when they are appropriate for portfolios!
Resources: The Retirement Solution I (425) 558-3700 I Mike Whitmore
Believe it or not, March Madness and taxes are related – and it’s because in both you fill brackets, which leads to Matt Perrone defining this as “bracketology.”
In this episode of Your Retirement Solution, Matt explains everything you need to know about setting up the correct tax bracket for retirement. All this while highlighting what to be aware of when it comes to Roth conversions and RMD’s.
In this episode, you will learn:
- How to control taxes in retirement
- What’s a Roth conversion and how does it impact retirement-related taxes
- The truth about potentially converting everything into a Roth
- Reasons why Matt believes taxes are “on sale” - and what happens if rates go up or down in the future
- What’s a Required Minimum Distribution (RMD) and how are they impacted by taxes and Roth conversions
- 70 and above: Age considerations when doing Roth conversions
- And more!
Adult children to older parents, family members, and everyone in between should tune in and find out how a correct tax strategy can benefit YOU in retirement!
Resources: The Retirement Solution I (425) 558-3700 I Matt Perrone
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Did you know that technology can play a huge role in benefiting your retirement years?
In this episode of Your Retirement Solution, Tyler Lively sits down with Pete Finlon. Pete explains how digital technology can positively impact the social, health, and well-being component of retirees and pre-retirees.
In this episode, you will learn:
- The use of cellphones and computers: Embracing technology as retirees and pre-retirees
- The importance of being patient: How has the older generation pivoted and adopted to working from home
- Technology safety and password managers: How to prevent data internet breaches
- Playing the “what if” game: The relevance of resurrecting old hobbies
- Tips on how to maintain a healthy and active retirement
- And more!
Now more than ever, tune in and find out how technology can benefit your health and social life in retirement!
Resources: The Retirement Solution I Tyler Lively I Pete Finlon
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We know that with every new administration, there are many changes that come into effect, and changes in law and taxes are great examples.
In this episode, The Retirement Solution’s Tom Black discusses different law and tax changes expected to come into effect in 2021. This discussion is not to cause panic, but to promote thought-provoking thinking and learning since they will differ from the current ones.
In this episode, you will learn:
- How new 2021 tax laws can potentially change the way you transfer wealth and plan for retirement
- What a “Step-Up In Basis” is, its role within real-estate, and why is it considered to be a “double-edged sword”
- How Required Minimum Distributions (RMD) are expected to change in 2021
- What the charitable deduction scenario is looking like in 2021
- The benefits of a charitable Required Minimum Distribution
Listen today and learn potential timeframes as to when and how these tax and other laws are expected to change!
Resources: The Retirement Solution I (888) 500-5830 I Tom Black
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It’s no secret that we all want to save on taxes. Never to evade them, but to have confidence that we never pay more than we legally owe.
Would you agree?
In this episode, The Retirement Solution’s Shane Perry not only reviews his career journey at the firm, but also explains different optimization strategies that are all about helping you save some cash when it comes to taxes.
In this episode, you will learn:
- What the US tax brackets are and how they work
- The difference between tax deductions, tax credits, deductions, and itemizing
- Tips on mortgage interest to energy tax credits: popular deductions and credits
- Strategies on Roth’s to 529 plans: How the team at The Retirement Solution can help you build and develop tax planning strategies.
- What a Family Limited Liability Company (LLC) is and how it works
- And more!
Listen today and discover how these tax-related techniques can help you optimize, save, and prepare for retirement!
Resources: The Retirement Solution I (888) 500-5830 I Shane Perry
When you near retirement, you need to look at things differently. It’s like having a different strategy in the second half of a football game!
Today, Mike Whitmore explains how our planners at The Retirement Solution help folks create just the right plan for their unique retirement vision. Mike dives deep into our comprehensive planning process and discusses the various steps involved.
In this episode, you will learn:
- How we customize your income plan through our holistic planning process to effectively address all of your fears and concerns
- The five major pillars covered during our planning process
- Ways in which our process differs from that of a regular broker or an insurance representative
- What defines an ideal client for us to work with
- And more!
Tune in now to fully understand the planning process at TRS, and how it can help you achieve your goals and sustained retirement success!
Resources: The Retirement Solution I (425) 558-3700
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It’s no secret that 2020 was a year full of lessons, especially from a health and financial security point of view.
In this episode of Your Retirement Solution Podcast, CFP® and Tax Advisor, Cindy Mueller, explains how reflecting upon 2020 can help people prepare for 2021, while discussing the importance of saving for emergency and increasing retirement funds.
In this episode, you will learn the importance of:
- 401Ks and Roth IRA’s: The importance of contributing
- Saving young: Why you should avoid living paycheck to paycheck
- Fear and greed as they relate to the stock market
- Cindy’s insight on the 2021 tax environment
- And more!
Tune in to discover the value of saving and ALWAYS having a systematic plan in place!
Resources: The Retirement Solution I Cindy Mueller
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With a fresh, new year just around the corner, what’s your 2021 financial planning picture looking like?
In this episode of Your Retirement Solution Podcast, Jim Black not only reviews how 2020 impacted the stock and financial markets, but he also discusses important financial components you must consider as we roll into the new year.
In this episode, you will learn:
- Jim’s take on how The Retirement Solution has helped clients navigate through the COVID-19 pandemic
- Ways the market impacted small and large businesses in 2020, and what the stock market projections are for 2021
- The role of the market when it comes to the 2020 elections and Jim’s insight on doing things differently during or after election years
- Company announcements for 2021
- And more!
While 2020 was full of ups and downs, tune in today to discover how creating a financial plan can help you prepare for whatever 2021 has in store for us.
Resources: The Retirement Solution
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Believe it or not, annuities have been around since Roman times.
Back then, and depending on how many battles individuals survived, they would qualify for pensions or annuities from the Roman government.
In this episode of Your Retirement Solution Podcast, Mike Whitmore explains how variable annuities can be problematic, while also discussing ways to use them as a vehicle to invest in the market through insurance companies.
In this episode, you will learn:
- Layers and layers of fees: The reason why you could lose money with variable annuities
- The role of commissions when it comes to selling variable annuities
- Fee comparison between regular and variable annuities
- What insurance companies offer clients who have variable annuities
- And more!
Tune in and discover why fiduciaries are your best bet when seeking help to understand the ins and outs of variable annuities!
Resources: The Retirement Solution I (425) 558-3700 I Bankrate
While money is important, remember, money isn't everything.
Join this episode of Your Retirement Solution Podcast as Jim Black discusses the benefits of being grateful, and how he weaves this quality into the planning process when working with his clients.
In this episode, you will learn:
- Jim’s take on how practicing gratitude can change your attitude
- Find the positive in every situation: How Jim establishes financial and non-financial conversations with clients during tough times
- The firm’s holistic planning approach that focuses on health, family, legacy, and anything that fulfills clients and their hopes and dreams
- And more!
Tune in and find out how gratitude can help you thrive in your personal and financial life!
Resources: The Retirement Solution I Jim Black
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Join this episode of Your Retirement Solution Podcast as Matt Perrone discusses how a Roth conversion can help benefit and maximize your retirement and tax planning strategies. Matt shares his advice and explains why Roth Conversions are highly recommended, yet not something that you’re required to do.
In this episode, you will learn:
- How you can benefit from a Roth conversion in today’s low tax rate environment
- Matt’s insight on Roth conversions now that the income limit has disappeared
- What a “backdoor” Roth conversion is and its tax benefits
- The role of the five-year rule when it comes to the 10% early IRA withdrawal
- And more!
Tune in as Matt reveals the different purposes and functions of a Roth conversion!
Resources: The Retirement Solution I Matt Perrone I 425-558-3700
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Did you know that fall is the right time to start thinking about the incoming year-end tax planning season?
Join this episode of Your Retirement Solution as Jim Black highlights not only the tax planning to-do’s, but also the two possible outcomes of year-end planning: You either pay or save in taxes.
In this episode, you will learn:
- Why it’s important to review your stocks, especially in 2020
- How to do a Roth conversion, and what are the benefits of opening a Roth account
- Using the CARES Act as a tool to do 401K, IRA, and Roth rollovers
- Why you don’t need to take a Required Minimum Distribution (RMD) in 2020
- And more!
As year-end is right around the corner, tune in as Jim explains the different things you can do with that extra cash saved during the COVID-19 restrictions!
Resources: The Retirement Solution
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Understanding your Medicare options and why it matters for you.
Today's episode with Tom Black of the Retirement Solution focuses on Medicare and the challenges we face when looking into Medicare for ourselves or checking on our loved ones’ coverage; the different parts, the different plans, and what it all means.
In this episode, you will learn:
- What choices you have and the timeline you have in which to change it
- What the difference is between an Advantage plan and a Medigap plan
- At what age should you start to enroll in Part D
- How you start and stop Medicare if you are laid off due to Covid
- And more!
Tune in to learn more about Medicare and the steps you can take to make an informed decision.
Resources: The Retirement Solution | Your Retirement Solution Podcast
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Do you have a plan that can cover the bumps and bruises of life?
In this podcast Jim Black of the Retirement Solution discusses how a thorough plan process can help give you the confidence and courage to do what you want to do in your retirement.
In this episode, you will learn:
- Why people resist going through the planning process
- The value a comprehensive financial plan can have to a person
- How the service and engagement change over the years
- And more!
Tune in as Jim explains what a plan can truly be and the affect it can have on your life
Resources: The Retirement Solution | Your Retirement Solution Podcast
Do you have a solid financial team to keep you on track for life after retirement?
Today, Cindy Mueller, a financial planner and tax advisor with The Retirement Solution, walks you through a list of professionals that make up an all-star team, and what role they each play in helping you live your happily ever after in retirement.
In this episode, you will learn:
- Why financial planners maintain good relationships with estate planning attorneys
- How a personal coach can help you navigate life's transitions
- How life, health, and annuity insurance may fit into your plan
- Why a good relationship with your realtor should be part of your team
- And more!
Tune in to get a list of financial players to add to your retirement team!
Resources: The Retirement Solution Inc.
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Is your financial plan ever really complete?
In this episode of Your Retirement Solution Podcast, Tom Black from The Retirement Solution explains the review process and what your annual or even semi-annual review with your financial planner should look like.
In this episode, you will learn:
- Why it is important to meet with your financial planner regularly and discuss life changes
- How your annual review is a time to make adjustments to your financial plan
- Why tax changes may have you adjusting your written plan
- What you want your plan to do now and in the future
- And more!
Tune in to learn how to get the most out of your annual review so that you can retire on your own terms and live life to the fullest!
Resources: The Retirement Solution | Your Retirement Solution Podcast
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Join this episode of Your Retirement Solution Podcast as Tyler Lively with The Retirement Solution explains how the planning process deals with the passing of a loved one, and how it impacts the family.
In this episode, you will learn:
- Successful client estate planning stories
- Why is it important to work with a planner and have good family communication when building a wealth and legacy plan
- The importance of a consistent, annual review of your income and retirement plan
- When grieving: Why you should wait one year before making drastic decisions
- And more!
Tune in to learn more about The Retirement Solution’s holistic planning process so that you and your planner can look at different strategies and options together!
Resources: The Retirement Solution | Your Retirement Solution Podcast | Tyler Lively
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Did you know that people spend more money when they first retire than when they were working?
In this episode of Your Retirement Solution Podcast, Jim Black from The Retirement Solution explains the emotional trials that people go through when they are preparing and transitioning into retirement.
In this episode, you will learn:
- How the planning, excitement, honeymoon, disenchantment, reorientation and stability phase impact life’s third act
- Why it is important for retirees to keep track of their monthly spending
- How the honeymoon stage defines your retirement
- Why Jim recommends Baby Boomers travel the day after they retire
- And more!
Tune in to learn how to transform the many cycles of retirement into advantageous phases so that you can live out the retirement of your dreams!
Resources: The Retirement Solution | Your Retirement Solution Podcast
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Is there a secret formula that suggests how much money you should invest?
In this episode, Matt Perrone discusses the top financial planning considerations you should have when thinking of investing.
In this episode, you will learn:
- The difference between stocks and bonds
- How an Exchange Traded Fund (ETF) works
- How to use real estate as an investment
- What commodities are and their benefits
- And more!
Tune in to learn crucial financial tips that will help guide you toward better investing and retirement success!
Resources: The Retirement Solution
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Did you know that the number one mistake pre-retirees make heading into retirement is not having a plan?
In this episode, Jim Black tackles the seven most common mistakes to avoid when it comes to saving for retirement and shares tips that should be considered when planning the next phase of your post-career life.
In this episode, you will learn:
- When to start collecting Social Security benefits and how this impacts your overall income
- The disadvantages of taking 401(k) money too soon
- The pros and cons of spending in retirement
- Why it’s important to consider healthcare and long-term care costs
- And more!
Tune in to learn the strategies you can implement now to avoid the seven common mistakes made in retirement planning!
Resources:The Retirement Solution | Your Retirement Solution Podcast
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Did you know that collaboration is a vital component in financial organizations?
In this episode of The Retirement Solution Podcast, Ryan Litchfield from The Retirement Solution explains the different aspects of the firm’s team while highlighting the role of collaboration in promoting a successful client service and experience.
In this episode, you will learn:
- How team collaboration promotes a better client experience
- The contribution of associate planners at The Retirement Solution
- Client-advisor relationship at The Retirement Solution
- How the team interacts with clients
- And more!
Tune in to learn more about the importance of teamwork within a financial organization.
Resources:
The Retirement Solution | Your Retirement Solution Podcast
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Can you confidently say that you have a solid estate plan and that you are certain who will get your assets when you pass?
In this episode, Jim Black shares insights and client examples to illustrate the importance of having the tough conversations and taking the time to prepare your final documents that clearly state who will get what after you’re gone.
In this episode, you will learn:
- When to update your estate planning documents
- What happens to your estate if you pass without having created a will
- How a final letter to those you love can add value and clarity to your decisions
- The most time-consuming aspect of creating your end-of-life documents
- And more!
Tune in for helpful guidance on how to take action in creating your estate plan so that you can feel confident about who will inherit your assets.
Resources: The Retirement Solution
The Retirement Solution Inc. is an independent financial services firm that helps people create retirement strategies designed to endure the changing market and increase their odds of success in retirement. Consultation with a financial planner helps to determine which strategies may be appropriate for you. This podcast and the presenter's opinions are not providing legal or accounting advice, and it is advised that you seek legal advice from a licensed attorney in your state, and accounting advice from a qualified accountant. The information presented is for educational purposes only.
How will you spend your time once you’re retired?
In this episode, Tom Black explores the idea of working after retirement. He reveals why many people choose to continue working and how it could impact their retirement plan. Listen in to discover the financial and social advantages of semi-retirement.
In this episode, you will learn:
- Why you might be happier working part-time after retirement
- How to plan your time accordingly so that you are occupied during retirement
- How a semi-retirement plan differs from a regular retirement plan
- How your Social Security will be impacted if you start working again after retiring
- Plus much more!
Tune in now to learn more about working part-time after retirement.
Resources: The Retirement Solution
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When it comes to planning for your retirement,
how sure are you that you’ve done all you can to achieve your “happily ever after”?
In this episode of Your Retirement Solution Podcast, Jim Black highlights different protections you should have in place to safeguard your retirement savings over time.
In this episode, you will learn:
- The importance of a strong financial team
- How often you should be updating your insurance policies
- How to build an emergency fund later in life
- Various aspects of managing risk
- And more!
Join us to learn the pillars of financial defense and how they can help you achieve your retirement goals.
Resources: The Retirement Solution
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Life is unpredictable and circumstances can change. If you’ve suddenly received an inheritance, how do you go about making changes and updates to your retirement plan?
In this episode of Your Retirement Solution Podcast, Jim Black discusses the psychology of inheritance, how to properly maneuver an unexpected influx of money, and how to open that conversation with your advisor.
In this episode, you will learn
- How to re-adjust your retirement plan if you receive an influx of cash
- The pros and cons of receiving an inheritance
- How to save money in taxes when it comes to inheriting money
- The importance of clear communication when it comes to estate planning
- And more!
Tune in now to learn how to maneuver a sudden influx in money when you receive an inheritance.
Resources: The Retirement Solution
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Are you prioritizing your financial needs and wants when it comes to retirement? Are you familiar with Maslow's Hierarchy of Needs? You might be surprised to know that depending on your generation, your strategy and priorities may differ when it comes to saving and planning for retirement.
In this podcast episode, TRS Planner Cindy Mueller discusses retirement strategies for each generation and how they correlate to Maslow's Hierarchy of Needs. Join us now for another exciting edition of 'Your Retirement Solution Podcast’.
In this episode, you’ll learn:
- How the Maslow's Hierarchy of Needs theory can help you plan for retirement
- How each generation since World War II has had to face slightly different economic challenges than the previous generation
- Where to look to find more money for things that we want vs. the things that we need (and how to balance the two)
- How the nuanced financial challenges each generation must face will affect how they plan for retirement
- And much more!
Resources: The Retirement Solution, Inc. | Maslow's Hierarchy of Needs Explained
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Do you believe it’s impossible to know how much money you will need to live on in retirement and not run out?
In this episode of The Retirement Solution Podcast, Jim Black unravels some of the most popular myths about finances in retirement. He also explains why it’s imperative to know how much money you’ll need every month of every year in order to continue your current standard of living throughout your retirement years.
In this episode, you will learn
- Whether or not you’ll make less money if you move into a higher tax bracket
- Why it may or may not be beneficial to rent instead of own property
- When is the best time to invest in the stock market
- What to ask yourself before paying with a credit card
- How it’s possible to know how much money you’ll need every month in retirement
- Plus much more
Tune in now to learn the truth about some of the most prevalent myths regarding retirement planning.
Resources: The Retirement Solution, Inc.
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The SECURE Act that was passed into law in December 2019 is now in effect. How will it change the way you plan for retirement?
In this episode, Jim Black, President and CEO of The Retirement Solution, explains how the SECURE Act will affect how you prepare for retirement. This is an informative conversation where Jim walks you through the Secure Act’s biggest changes and presents planning opportunities and solutions for today’s retirement-savers.
In this episode, you’ll learn:
- About the major changes that have been triggered by the SECURE Act
- What can be done with your retirement accounts today that will benefit your heirs
- How small business owners and employees will benefit from particular changes
- And more!
Tune in now to learn about the SECURE Act’s most significant changes and how they will impact retirement planning.
Resources:
The Retirement Solution, Inc.
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Do you have your own financial family to help you plan for a happily-ever-after retirement?
In this episode, Charlene Nelson, a client servicing specialist at The Retirement Solution (TRS), discusses the support she offers clients that goes beyond the call of duty — and is truly part of TRS’ family culture. This is a conversation that illuminates the exceptional care that TRS shows their clients to and through retirement.
In this episode, you’ll learn:
- How Charlene got into the financial industry
- What she and the TRS team do to support surviving spouses
- What makes Charlene tick and how she likes to spend her off-time
- And more!
Tune in now to meet Charlene and consider what it would be like to have a financial family on your side.
Resources: The Retirement Solution, Inc.
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Now that the SECURE Act is in motion, have you considered what changes you need to make to your retirement accounts and the other pieces of your retirement plan?
In this episode, Tyler Lively, a financial planner at The Retirement Solution, explains how the changes brought about by the SECURE Act might impact your retirement plan and any heirs who will inherit an IRA. Tyler then uncovers strategies to help you make the most of these significant changes.
In this episode, you’ll learn:
- About the major changes that have been triggered by the SECURE Act
- What can be done with your retirement accounts today that will benefit your heirs
- Why it’s now crucial to have your trust re-evaluated
- What the transfer process involves and how The Retirement Solution can help
- And more!
Tune in now and get your SECURE Act questions answered
Resources: The Retirement Solution, Inc.
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Your dream of retiring doesn’t have to be just a fairytale. Take it from the thousands of clients that we’ve helped achieve their happily ever after.
In this episode, Matt Perrone, a financial planner with The Retirement Solution (TRS), shares stories about how he has guided pre-retirees to have the income they need and want for the rest of their lives. The clients in these stories range from having a variety of backgrounds and emotions, from overwhelmed and unsure if retirement would even be possible to self-assured and looking for collaboration with a financial planner.
In this episode, you’ll learn:
- Why Matt discourages retirees from relying on the stock market
- About Matt’s approach to working with a young widow who is learning how to manage her finances and plan for retirement
- About the benefits of working in collaboration with your advisor
- How TRS works with clients in a way that’s unique from other financial planners
- And more!
Tune in now to hear stories about people like you who’ve retired, and remained, happily ever after!
Resources: The Retirement Solution, Inc.
Do you ever feel trapped by your real estate investments? Maybe you’d like the freedom to travel, but you’re burdened by rental properties that demand regular maintenance.
In this episode, Mike Whitmore, a financial planner with The Retirement Solution (TRS), walks you through investment options that could give you income while saving you from the real-estate management headache. This engaging conversation is filled with strategies to consider if you have a heavily concentrated position in real estate.
In this episode, you’ll learn:
- The pitfalls of being heavily funded in one area of the market
- Ways to become diversified efficiently
- What a charitable remainder trust is and how it could work for you
- About an alternative to private REITs (and its benefits)
- The benefits of working with a fiduciary
- What Mike experienced going through the process to become a TRS client
- And more!
Tune in now to discover options for becoming more diversified in your real-estate investments.
Resources: The Retirement Solution, Inc.
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Considering all of the misinformation that surrounds annuities, are you unsure of whether to use this investment type?
In this episode, Jim Black shines light on the features of annuities and walks you through their advantages and disadvantages. This is an informative conversation that seeks to answer the big question: Can annuities help you achieve your happily-ever-after?
In this episode, you’ll learn:
- Who can benefit from an annuity
- About the different types of annuities
- What the potential advantages and disadvantages of annuities are
- About the unique circumstances under which you can bail out of annuities
- And more!
Tune in now and get your annuity questions answered!
Resources: The Retirement Solution, Inc.
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Whether you win the lottery, inherit a large sum of money, or suddenly lose your job, the result of this new life transition will affect your finances.
Today, Jim Black shares how he and The Retirement Solution team assists clients through life’s transitions to help ensure they will be safe and secure in their retirement. This episode is all about helping you discover your options and, ultimately, living the retirement of your dreams.
In this episode, you’ll learn:
- How the Retirement Solution guides clients to create a plan that will provide them with the income they need to support their lifestyle throughout retirement
- Examples of clients who did the proper planning and subsequently learned that they will be okay after they experienced a life event
- Why it’s of paramount importance for business owners to set up their succession plan
- And more!
Tune in and learn how to feel secure in retirement regardless of what life throws at you.
Resources: The Retirement Solution, Inc.
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Not everyone needs a financial planner, but we do all have questions like, “Will I be okay in retirement?” “When should I start collecting Social Security?”
Today, Tom Black shares how he, and The Retirement Solution's team, partner with the American Financial Education Alliance (AFEA) to provide the community with free financial education. Learn why these classes are helping people resolve their biggest retirement questions.
In this episode, you’ll learn:
- AFEA's nonprofit mission
- Who can benefit from these free financial classes
- What topics are offered
- Reasons why you are encouraged to attend
- And more!
Tune in and discover all that you can gain from attending these free educational events.
Resources:
The Retirement Solution, Inc.
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Your children will never be too old to hear your financial advice; the secret is in knowing the right way to pass it along to them.
In part two of his mini-series, Jim Black discusses how to talk to your adult children about money. There’s a delicate balance between interjecting with advice and standing back to let your children make financial mistakes that they will learn from. In this episode, Jim places a special focus on helping you navigate those scenarios.
In this episode, you’ll learn:
- Different approaches to use when talking to adult children
- How to walk the line between offering advice and letting your adult children learn through their experiences
- How to help them, not enable them
- And more!
Tune in and gain some insight on how to talk money with your twenty or thirty-something-year-old.
Resources: The Retirement Solution, Inc. | How to Talk Money With Kids: Part 1
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Disclosure: The Retirement Solution Inc. is a Registered Investment Advisor in the state of Washington. Our investment advisors may not transact business in states unless appropriately registered or excluded or exempted from such registration. We are registered as an investment advisor in AZ, CA, CO, ID, OR, TX, UT, WA. We can provide investment advisory services in these states and other states where we are exempted from registration.
It’s never too early to start talking to your kids about money.
Today, Jim Black sheds light on ways to get an early start on discussing finances with your children. From allowance to chores to buying the next hot toy, Jim shares ideas and experiences that may help make great savers of us all.
In this episode, you’ll learn:
- Why it is never too soon to bring money into the conversation with kids
- How to explain where money comes from and, more importantly, where it goes
- Tools that can help turn your kids into great savers
- And more!
Tune in and learn motivating ideas on how to teach the younger generation to save better than us.
Resources: The Retirement Solution, Inc.
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Disclosure: The Retirement Solution Inc. is a Registered Investment Advisor in the state of Washington. Our investment advisors may not transact business in states unless appropriately registered or excluded or exempted from such registration. We are registered as an investment advisor in AZ, CA, CO, ID, OR, TX, UT, WA. We can provide investment advisory services in these states and other states where we are exempted from registration.
Money is one of the hardest things to talk about in any generational gap. But with the right preparation, you can carry this conversation with sensitivity and grace.
Today, Cindy Mueller explains when and how to have that important money conversation with your aging parents. We guarantee that you’ll want to take notes!
In this episode, you’ll learn:
- Reasons why it’s important to have this talk with your parents
- How to overcome the common barriers to starting this conversation
- Recommendations for your timing and approach
- Words of advice for making sure the whole family is on board with the plan
- And more!
Tune in and become prepared to have this important conversation with your parents.
Resources: The Retirement Solution, Inc.
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Whether they’ve been let go or offered a hefty compensation package to leave, even people who are close to retirement age can find themselves jobless. That leaves one big question: Should you retire now or get a new job?
Today, Jim Black shares how he and The Retirement Solution team help clients navigate this question. This episode is all about helping you discover your options and, ultimately, have the retirement you’ve been dreaming of.
In this episode, you’ll learn:
- The importance of knowing your number
- Examples of clients who discovered they actually could afford to retire after meeting with The Retirement Solution
- How going back to work can be an opportunity to fulfill your passions
- How The Retirement Solution guides clients who have a sudden windfall of cash
- The big question Jim asks every client
- And more!
Tune in and learn how to arrive at the answer to this big question: “Should I retire now or get a new job?”
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Resources: The Retirement Solution, Inc.
With finances or just life in general, there’s a benefit to looking back and considering what we could have done differently. We can even use what we’ve learned to help others avoid the same mistakes.
Today, Tyler Lively, CFP® and Ryan Litchfield reveal the financial advice they would share with their younger selves, and the generations to come, to help others make better financial decisions.
In this episode, you’ll learn:
- Why time is one of your best friends
- About the power of automatic saving
- How to start teaching kids financial principles from a young age
- One of Tyler’s biggest financial mistakes
- About the Rule of 72 and how to use it
- And more!
Join Tyler and Ryan now to learn about the financial lessons they’ve learned throughout their lives and careers, and consider: What advice would you give your younger self?
Resources: The Retirement Solution, Inc.
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One advantage of having multiple financial planners under one roof is that they’re able to bounce ideas off one another to make the client experience the best it can be.
Today’s episode features two of The Retirement Solution’s planners, Tyler Lively and Ryan Litchfield, for a lively conversation — planner to planner. Tyler and Ryan discuss the planning process and what it’s like from a planner’s point of view, how they’re working to improve their services, and more.
In this episode, you’ll learn:
- What Tyler and Ryan enjoy most about the planning process
- Why Tyler uses storytelling to enhance the client experience
- The most valuable thing Tyler and Ryan have learned on the job this year
- Why clients are worried about market volatility in the next year and how The Retirement Solution addresses this
- And more!
Join Tyler and Ryan now for an inside look at a financial planner’s world and how they work to make clients’ retirement dreams come true!
Resources: The Retirement Solution, Inc.
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There are three phases of retirement: the go-go phase, the slow-go phase, and the no-go phase.
How you plan for your retirement will greatly affect how you live out each phase. That’s why today Jim Black is taking a deeper dive into each stage of retirement, describing what retirees usually experience in each phase, and sharing how planning can help you make the most of your retirement.
In this episode, you’ll learn:
- When each phase typically starts
- Why travel is so appealing to retirees
- How traveling in the slow-go phase is different than the go-go phase
- Why figuring out what you want to do is the hardest part of planning for retirement
- Experiences Jim’s clients’ have had as they progressed through retirement
- And more!
Tune in now to learn more about what you can expect in the go-go, slow-go, and no-go phases of your retirement!
Resources: The Retirement Solution Inc. | (425)-558-3700
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Do you have a healthy relationship with money?
Today, Jim Black discusses the different types of money relationships that people experience and how they form. Jim also explains how he guides clients towards a healthier mindset so they can stop worrying and start enjoying their dream retirement.
In this episode, you’ll learn:
- What Jim considers to be a healthy view of money
- Which technique The Retirement Solution uses to help eliminate clients’ retirement-spending guilt
- Why Jim considers himself to be like a therapist with clients
- Jim’s tips for overcoming spending therapy
- What it means to separate yourself from your money and why it’s important
- Why earning more doesn’t mean you need to spend more
- And more!
Discover how your money relationship might be shaping your decisions and learn how to enjoy your happily ever after!
Resources: The Retirement Solution Inc.
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While he may have spent most of his adult life building custom homes, Ryan Litchfield now feels like he’s doing what he was born to do.
In this episode, you will meet Ryan, a financial planner at The Retirement Solution (TRS), and learn why he loves creating custom retirement plans. Today, Ryan shares more about his path to becoming a financial planner, how he sees retirement for himself, and what he’s like outside of the office.
In this episode, you’ll learn:
- About the satisfaction Ryan receives in helping his clients build the best retirement plan
- Why Ryan’s parents and grandparents are his heroes
- Why it’s important for retirees to realize that getting to retirement is completely different than being in retirement
- The reason why Ryan loves the motto “feel the fear and do it anyway”
- And more!
Listen now to meet Ryan Litchfield and learn about his knack for creating custom retirement plans!
Resources: The Retirement Solution Inc.
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From being a broker to a trust officer, Jim Black has played many roles in the financial industry — all of which have taught him valuable lessons about the way he believes the planning process should be done.
Today, Jim shares the lessons he’s learned throughout his time in the financial industry. He explains how they’ve all played a part in creating the philosophical standpoint that The Retirement Solution uses to help clients create plans that both they and their planners believe in.
In this episode, you’ll learn:
- How Jim’s previous positions shaped his view on how clients should be served
- Why the planning process is a lengthy one
- Why Jim has a high level of confidence in The Retirement Solution’s planning process
- Common reasons why people are resistant to the planning process
- Why The Retirement Solution continually tweaks its planning process
- And more!
Listen now to learn about the philosophical underpinnings of The Retirement Solution and how it became the place it is today — a place where clients can receive the retirement plan they want and deserve.
Resources: The Retirement Solution, Inc.
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With many parents of baby boomers in need of long-term care, now’s the time when boomers are beginning to look ahead and consider what will happen when they need long-term care themselves.
But how do you go about planning for future long-term care costs?
Today, The Retirement Solution’s Cindy Mueller sits down with Matt Halloran to discuss six different ways people typically fund long-term care and the pros and cons of each approach.
In this episode, you’ll learn:
- The extent to which Medicare will fund your long-term care needs
- Why long-term care policies have decreased in popularity over the past decade
- How long-term care can be a secondary benefit with life insurance
- The benefits of asset-based long-term care policies
- The most common objections Cindy sees from clients regarding long-term care
- And more
Tune in now to learn about the different ways you can plan for long-term care so that you can enjoy a worry-free “happily ever after.”
Resources: The Retirement Solution, Inc.
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Jim Black grew The Retirement Solution (TRS) into a family of planners because he wants to provide families with personalized plans that help them achieve the retirement of their dreams even after he’s gone.
Today, Jim sits down with Matt Halloran to give listeners a behind-the-scenes look at how he grew the company from just him to a family of eight other dedicated planners, and why.
In this episode, you’ll learn:
- Why Jim looks to hire people who don’t have a background in the financial industry
- About the hands-on training that all new TRS members go through
- The dedication Jim gives to every plan made at The Retirement Solution
- How Jim’s first trip to Disney impacted the TRS philosophy
- Where The Retirement Solution will be opening their next office
- And more!
Listen now to learn about the underlying philosophies and work at The Retirement Solution that allows their family to make dreams come true for yours!
Resources: The Retirement Solution Inc.
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If you’re ever at a dinner party and hear someone talking about the benefits of Roth IRAs, it’s probably Cindy Mueller.
Today you will meet Cindy, a financial planner at The Retirement Solution, and learn why she’s so passionate about Roth IRAs and helping people make the most of their savings.
In this episode, you’ll learn:
- How Cindy’s parents contributed to her love of finance
- Why Cindy was determined to work for a fiduciary company
- What her enrolled agent designation allows her to do for clients
- Why Cindy prides herself on doing the right, (and not necessarily easy) thing
- And more!
Tune in now to learn about Cindy and how she’s using her passion for saving to help clients reach their goals!
Resources: The Retirement Solution Inc.
Kristen Lomax’s days are dedicated to helping the community learn more about managing their finances.
As The Retirement Solution’s business development lead, Kristen works in partnership with the Society of Financial Awareness to bring free financial workshops about over 30 topics to community businesses and organizations. Today, Kristen joins co-host Matt Halloran to share more about what she does, why she loves it, and who she is outside the office.
In this episode, you’ll learn:
- How Kristen’s childhood gave her a strong interest in finance
- Which financial topics baby boomers and millennials want to learn about the most
- How Kristen defines success
- Why Kristen chooses the words “intentional” and “present” as a personal mantra
- And more!
Tune in now to learn more about Kristen and what she’s doing to boost financial literacy.
Resources: The Retirement Solution Inc. | Society of Financial Awareness | klomax@sofausa.org | (425) 615-1114
You’ve spent countless hours planning and putting away money for your dream retirement, and the big day has finally come. Now what?
Having helped hundreds of clients prepare for retirement, Jim Black knows there’s much more that goes into retirement planning than just the numbers. Today, Jim is here to share what else you need to plan for to truly live out the retirement of your dreams.
In this episode, you’ll learn:
- The importance of figuring out what you’re going to do during your “third act”
- Why you may not actually spend less during retirement
- Why you should consider who you’re going to spend your time with during retirement
- Why Jim tells his clients to go climb a tree
- And more!
Listen now and learn how to prepare for the big picture questions that lead to your happily ever after!
Resources: The Retirement Solution Inc.
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Mike Whitmore has experienced the life-changing effects of working with The Retirement Solution first-hand as a client.
Now, Mike is part of The Retirement Solution’s team as a financial planner and helps change lives every day. Mike makes a special appearance in today’s episode to share more about his background, his interests, and the transformative work he does at TRS.
In this episode, you’ll learn:
- How Mike came to join The Retirement Solution family
- Why family is so important to him
- Why Mike believes that time can be more important than money
- What success means to him
- And more!
Tune in now to meet another passionate member of The Retirement Solution’s team, Mike Whitmore!
Resources: The Retirement Solution Inc.
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At The Retirement Solution, Kyle Irion plays a dual role.
From serving clients on the front-end as a lead associate planner to working behind the scenes to ensure that clients are well taken care of, Kyle helps out in many ways at The Retirement Solution. Today, Kyle shares a bit more about who he is, what he does, and why.
In this episode, you’ll learn:
- How Kyle went from studying law to working in finance
- What Kyle does at The Retirement Solution as their lead associate planner
- What activity Kyle discovered a passion for after moving to Seattle
- Why one of his mantras is, “What would you do if you weren’t afraid?”
- And more!
Tune in now to learn more about Kyle and how he helps The Retirement Solution clients achieve their happily ever after!
Resources: The Retirement Solution Inc.
The Retirement Solution aims to be the last advisor you will ever need to work with to achieve your happily-ever-after retirement.
Today, financial planner Tyler Lively is pulling back the curtain at The Retirement Solution to showcase how exactly they help clients tackle their retirement concerns and get the retirement they’ve always dreamed of.
In this episode, you’ll learn:
- Which retirement-question clients ask most often
- How The Retirement Solution team cultivates trusted, not transactional, relationships
- Why Tyler always aims to provide clients with options
- How Tyler and his team work healthcare costs into their written retirement plans
- And more!
Tune in now to learn more about the work Tyler does and how he helps address clients’ retirement concerns!
Resources: The Retirement Solution Inc.
If you attend one of The Retirement Solution’s community events, you might be lucky enough to run into Monica Palmer.
As The Retirement Solution’s marketing lead, Monica is dedicated to supporting clients through all of life’s events and educating different communities about retirement planning. In this episode, find out more about Monica’s role and who she is as a person.
In this episode, you’ll learn:
- How Monica became The Retirement Solution’s marketing lead
- What she would do differently if she had an infinite amount of money
- How Monica defines success
- Why she has taken on the mantra: “I can't do everything and do anything well”
- How Monica’s ability to pivot ties in with her proudest achievement
- And more!
Tune in to learn more about Monica, the creative and caring force behind this firm’s events!
Resources: The Retirement Solution Inc.
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Episode 31 — Goal Planning for 2019
When looking back at 2018, do you feel you were properly prepared to deal the year’s challenges? Did you end up spending more than you needed to?
Today, Jim Black discusses why it’s important to set financial goals for the coming year, and what he recommends his clients do when planning for 2019.
In this episode, you’ll learn:
- What you should look at when setting new financial goals for 2019
- The impact the new tax laws can make on your plan
- How planning to do the things you’ve always put off can benefit you in the long run
- Why you should plan for the unexpected
- And more!
Tune in now and start the new year right by taking control of your financial happily ever after!
Resources: The Retirement Solution Inc.
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Sometimes, visiting a financial planner can feel like seeing a doctor who’s only looking to prescribe a standard fix for your problems. At The Retirement Solution, associate planner Matt Perrone likes to bring a more warm-hearted approach to clients, and dig a little deeper into their personal needs.
Today, Matt shares more about who he is and why he’s passionate about his job, discussing:
- His favorite part of his job at The Retirement Solution
- His personal, historical and fictional heroes
- His proudest achievement
- What he would do if he became a millionaire
- The book he recommends to friends, family and clients
- And more!
Tune in now and get to know Matt and why he’s such a valuable member of The Retirement Solution family!
Resources: The Retirement Solution Inc. | Matt Perrone’s Bio
Although Tom Black graduated with the same degree as his brother, Jim Black, Tom never felt a desire to pursue a career in financial services.
This all changed, however, when Tom suddenly found his passion for helping others after editing Jim’s book, ‘Happily Ever After: Retirement Doesn't Have to be just a Fairytale.’
In this episode, Tom shares more about who he is, discussing:
- How a career change led him to the best job he’s ever had
- Why his brother’s book was such a great inspiration for him
- Why he’s passionate about helping others
- The book he recommends to all his friends and clients
- And more!
Tune in now to find out what makes Tom an extraordinary Financial Planner for his clients!
Resources: The Retirement Solution Inc.
If you haven’t done so already, it’s time to put your retirement advisor to the test.
Does your advisor have the skills needed to create a customized plan for your dream retirement? Today, Jim Black answers 11 questions that will help you find out.
In this episode, you’ll learn:
- Why Jim believes that investing is about time, not timing
- What credentials to look for in a financial adviser
- Why starting to collect Social Security right away is the best move for some people
- What the most important question to ask your advisor is — and why it matters
- And more!
Tune in now to learn how you can find an advisor who will help guide you towards your happily-ever-after retirement!
Resources: The Retirement Solution Inc.
The Retirement Solution family is made up of an amazing team who are all dedicated to making retirements dreams come true.
In this episode, you’ll get to meet one of their financial planners Tyler Lively! Tyler is passionate about helping retirees discover how much money they can spend each month for the rest of their lives.
In this episode, you’ll learn:
- The impactful moment clients often experience while planning with The Retirement Solution that makes Tyler love his job so much
- Why he enjoys having an interactive partnership with clients
- What Tyler enjoys doing when he’s not in the office—and some things most people don’t know about him
- Why he keeps a “treasured moments” journal
- And more!
Tune in now to learn more about Tyler Lively and why he’s a great fit at The Retirement Solution!
Resources:The Retirement Solution Inc. | Tyler Lively’s Bio
In today’s episode, The Retirement Solution’s Cindy Mueller is joined by Medicare Healthcare Advisor Neal Phipps to break down the alphabet soup that is Medicare.
In an episode packed with useful information, Cindy and Neal cover the most common Medicare questions they encounter, which includes:
- The difference between Medicare Advantage plans and Medigap
- How to transition from private health insurance to Medicare
- What makes up parts A through D of Medicare
- When you should enroll in Medicare
- And more!
Tune in now for a Medicare crash-course and learn how to choose a plan that is just right for you.
Resources: The Retirement Solution Inc. | Neal Phipps: (425) 985-1865 | npphipps@gmail.com
When you work with The Retirement Solution, you work with an entire family. Given their all-hands-on-deck approach, it seems only natural for The Retirement Solution to shine a spotlight on their amazing team members.
Today you will meet Carin Sevigny, The Retirement Solution’s chief operating officer. Carin shares how she came to work for The Retirement Solution and what her role as COO entails.
Here’s what you will learn about in this episode:
- Carin’s passion for helping others to learn and grow
- How and why Carin left the hospitality industry to working in the finance industry
- Why she clicked with President and CEO Jim Black’s mandate right away
- Details about her plans to become a CERTIFIED FINANCIAL PLANNER™
- Carin’s definition of success
- Carin’s greatest accomplishment
- And more!
Tune in now to meet Carin and learn about the role she plays in helping clients’ retirement dreams come true.
Resources: The Retirement Solution Inc. | Carin Sevigny’s Bio
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With the advancement of technology and medicine, we’re now living longer than ever. As you plan out your life, are you considering how long you might actually live? Most people aren’t considering their own longevity.
In this episode, Jim Black discusses longevity risk: the risk of outliving your money. From long-term medical expenses to recessions and rising taxes, Jim outlines some of the factors you should be considering in case you live longer than expected.
Listen now as Jim explains how you can properly plan for longevity risk, so you can feel confident that living a long, healthy life won’t break the bank.
Resources: The Retirement Solution Inc.
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Why are people so passionate about holding onto certain stocks?
In today’s episode, Jim Black explores the emotional side of investing and the risks that come with becoming too attached to your stocks. Investing in stocks can be a great way to accumulate the income you need and want for the rest of your life. But if you become too emotionally connected to your stocks, you could lose sight of their purpose and risk losing your happily ever after.
Tune in and learn about the two types of emotional attachments that Jim observes with clients, why these attachments are concerning, and the questions we all need to ask ourselves about the stocks we own.
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Jim Black is back with part two of his mini-series: The Financial Planning Process. In part one, Jim outlined the technical aspects of the planning process, but part two is all about the emotional facets.
Jim has retired hundreds and hundreds of clients, so in a way, he has retired at least 200 times.
Tune in as he describes what it’s like to help clients reach that finish line and retire. Jim also covers the emotional-based questions he asks clients to help them prepare for retirement, explains how financial planning has changed for the sandwich generation, and shares his secrets to staying motivated.
Listen in and learn about Jim Black’s strategies for helping clients live their happily ever after in retirement.
The Retirement Solution Inc.: http://theretirementsolution.com/ | Episode 21 - Part One: The Financial Planning Process
Today, Matt Halloran and Jim Black bring you part one of their mini-series: The Financial Planning Process. Since financial planning is the cornerstone of what Jim and his team do, Jim is excited to give you a behind-the-scenes view of the process.
In this episode, Jim explains how he formulated the firm’s customized plans—which outlines exactly how much money clients can spend every month of every year for the rest of their lives—and how risk plays a significant role.
Tune in and learn how Jim Black and his team help clients achieve the retirement of their dreams!
The Retirement Solution Inc.: http://theretirementsolution.com/
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On today’s podcast, Jim Black has an extra special guest! His firm’s retirement coach, Pete Finlon, is here to walk you through the same questions he asks his clients.
Once you have enough money to support your lifestyle during retirement, you get to decide how you’ll spend the rest of your life. These aren’t easy decisions and the transition into a retiree lifestyle can be challenging. But Pete is here to help! Learn all about Pete’s approach to helping clients prepare for a happily-ever-after retirement.
Tune in and gain some insight that can help you prepare for the next phase of your life.
The Retirement Solution Inc.
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Today, Jim Black shares the five major talking points that he uses to help his clients prepare for retirement. Jim has helped hundreds of people retire. He knows that the path to retirement can be confusing, scary, and it can have its ups and downs. Jim is here to guide you along, using case studies and real solutions from his experiences with clients.
Tune in as Jim Black shares expert advice to help you prepare for a wonderful and enjoyable retirement.
The Retirement Solution Inc.
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As a grandparent, you have a part to play in helping your grandchildren launch out into the world. Take every opportunity now to share your experiences and help them learn from your mistakes. (And we’ve all made mistakes!)
Specifically, be sure to talk to your grandchildren about investing. Imagine if they started saving money now? Your grandchildren could set themselves up for a wonderful retirement!
In this episode, you’ll learn 10 ways to help your grandkids start investing early on. Listen in as Jim Black explains how to speak on your grandchildren’s level and have a comfortable conversation about saving money.
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It is time to do some financial spring cleaning!
Today, Matt Halloran and Jim Black discuss ways for retirees to tweak their budgets, organize their bank accounts and, ultimately, simplify their lives. From protecting your assets to managing your income sources, doing some maintenance on your finances can help you enjoy retirement that much more.
It’s out with the old and in with the new! Tune in to get Jim’s expert advice on your financial spring cleaning.
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Do you worry about your investments? Most investors do. That’s why this episode is all about addressing the biggest concerns that investors tend to have, starting with a big one— “what happens if rates of return end up being low in the future?.”
Listen in as Jim Black expertly addresses each major concern, all while explaining how the stock market functions. Gain clarity, get informed and worry less about your investments.
Website: The Retirement Solution Inc.
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You need a plan that is flexible and tailored to fit your situation and life’s goals. Is your financial planner designing a customized plan for you? How can you tell?
There are 10 important questions that your financial advisor should be asking you.
In this episode, Jim Black covers these questions and explains why they’re essential pieces of the planning process. Once you become aware of the 10 questions, you’ll be more likely to choose a financial planner who will help you accomplish your financial dreams.
The Retirement Solution Website
How do you feel when the markets fluctuate? Anxious, concerned and stressed out? Or are you disinterested and carefree? When you have a financial plan, you’re less likely to feel impacted by ups and downs in the markets-- even when the markets get crazy.
Listen in as I discuss financial media, investment strategies for different life phases and, of course, how a financial plan can grant you peace of mind, regardless of what’s going on in the markets.
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Would you like to set up a tax plan that could help you pay less in taxes? The tax law changes are fairly simple once you understand the rules of the game. While these changes are temporary, there are ways to save and opportunities to take advantage of now.
Learn more in this podcast as I review President Trump’s Tax new tax law and discuss how you may be able to pay less in taxes.
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Does your dance towards retirement look like a graceful waltz or a fast-paced tango? We want your planning to go smoothly and have structure, like the waltz! In this episode, Jim Black shares what he learned when he took ballroom dancing during college, and how he now applies those principles to retirement planning.
Listen in as Jim explains how Absolute Return Solutions can help you waltz your way to a happy retirement!
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Do you need to play catch up when it comes to retirement planning? Whether you’re approaching retirement or already retired, Jim has financial strategies you can use to steer your retirement in the right direction.
Learn more about how to play catch up in this podcast:
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A lot of people make errors when planning their retirement, but we can learn how to avoid or overcome them. In order to transition into retirement - a lifestyle that’s drastically different than being employed full time - it’s essential that we have proper planning, discipline, and awareness in place.
Learn more about the top retirement mistakes and how to avoid them in this podcast:
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There is a lot of mental preparation that goes into retirement planning, and people go through several stages during this planning process. But how can we plan to be mentally stable during retirement? We know that most people’s emotional and physical needs are met through their employment, yet it’s still difficult to predict how we will feel once we retire. Will we feel happy and fulfilled or bored and listless?
In this podcast, you’ll learn how to become mentally prepared for your retirement.
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When planning for your retirement, it’s important that you understand all of the options that are available to you. That way, you can make educated decisions now that will set you up for a worry-free retirement. How much income you have available in the future will depend on how you allocate your funds today. With a proper plan in place, you will know how much money you can spend every month of the year for the rest of your life.
In this podcast, you’ll learn more about financial buckets and how simple adjustments can be made so that you always stay on track:
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Retirement could be the biggest life-changing event that you’ll experience during your lifetime. How will you spend your time once it’s freed up? What decisions can you make now in order to increase your odds of living the retirement of your dreams? Once you create a plan, you’ll have freedom in knowing that you’ve given yourself the confidence to achieve your goals.
Learn more about retiring on your terms in this podcast:
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Inflation refers to the rising costs of products and services over time. Even if the prices of certain products aren’t increasing, you may notice that their quality or volume has declined. For example, the containers of a certain ice cream brand that I love keep getting smaller and smaller!
Should retirees be concerned about inflation? Will inflation affect your happily-ever-after in retirement?
Learn more about inflation in this podcast:
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Have you ever started a project and then realized (probably after some denial), that you want to start over? Maybe you’re working on a painting, and it just isn’t looking how you’d envisioned. You decide it’s time to paint over it and try again.
It’s frustrating when projects don’t go as planned-- so much so, that we can take for granted our option to begin again.
When it comes to retirement, there are situations where you can’t hit the rewind button. For example, if you had 30 to 40 years worth of assets in the market when it crashed in 2008, then that was it. There were no do-overs. When it comes to having a happy and worry-free retirement, planning ahead is key.
The biggest way to reduce the need for a do-over is to have a plan in place. Learn the strategies to set you up for success in this podcast.
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