Your Money Your Retirement Podcast: Recent Episodes
Linda Gardner
Did you know that if you're running your own business then you've got a few extra twists and turns on the road to retirement? No 401(k)? No problem. We're digging into how you can get retirement-ready when a corporate 401(k) isn't part of the picture.
Market crashes get the headlines, but two quiet threats - rising taxes and persistent inflation - could do even more damage to your retirement. In this episode, we break down how these risks can erode your savings and what steps you can take now to protect your financial future.
You might think estate, or legacy, planning is just for people with big mansions and even bigger bank accounts but think again. Estate planning is about preparing for life's curveballs, preserving your wishes, and having a plan for you and your loved ones, no matter your bank account size.
Are you protecting your retirement from hidden risks? From market swings to rising costs, financial threats can quietly erode your nest egg. In this episode, we reveal key risks and how to prepare so your money lasts. Don’t miss this essential podcast to a more secure retirement.
Are you protecting your retirement from hidden risks? From market swings to rising costs, financial threats can quietly erode your nest egg. In this episode, we reveal key risks and how to prepare so your money lasts. Don’t miss this essential podcast to a more secure retirement.
Financial choices you make regarding retirement will be some of the most important decisions you will make. What are some of the things you may want to consider?
Many retirees depend heavily on Social Security, aiming to help maximize their returns from this important income source. However, navigating the system's complexities often proves challenging, leaving many to question the best way to optimize the benefits they will receive over their lifetime.
A longer life expectancy can expose women to various financial risks, including the possibility of outliving their assets. How can women help ensure their money lasts as long as they do?
Regularly rebalancing your portfolio is important to managing risk and helping to stay on track for your retirement goals.
Preparing for a retirement that could last 30 years or more is no small feat. With many relying on withdrawals from their 401(k) or similar retirement plans for essential income, preserving and optimizing these funds is important.
A recent survey of U.S. workers shows many Americans are not confident about the state of their finances. Credit card debt, costs of homeownership, and inflation, were cited as main struggles according to Edelman Financial Engines, who conducted the survey.
We've all experienced a series of unprecedented events in recent years, from a global pandemic to higher levels of interest rates, inflation, and global unrest. If you’re like many people, you might feel you have less control over your future. Now we’ll discuss what you can do right now to help take back control of your financial future.
There are more than one million tax preparers in the U.S., so there’s no shortage of help when it’s tax time. But how do you find the right help with tax planning for your retirement?
Many people assume that their taxes will go down once they stop working. While this might be true for some of you, for many, taxes could actually become one of your biggest expenses in retirement.
Gone are the days when retirees could rely heavily on substantial external support—like Social Security and robust corporate pension plans. Today, not only are pensions a fading memory, but the reliability of Social Security benefits is also increasingly uncertain, placing the burden of securing a financially stable retirement more firmly on individuals.
Lots of Americans are missing a written financial plan and have never talked to a financial planner about retirement. People without a plan tend to feel less confident about their future. So how do you get started on a path to more confidence through planning?
There are 5 financial stages of life, and three of them happen before your retirement years. Your pre-retirement years are where some of the most critical financial decisions are happening and we want to tackle some of those decisions.
We’re faced with questions every day. What’s for dinner? When’s the meeting? How was your day? These are questions that are – or should be – easy to answer, but when you’re starting to consider retirement, the questions can get a lot more complicated.
Do you think you would make the grade when it comes to financial literacy? Most Americans between the ages of 50 and 75 scored low marks when it comes to retirement income literacy quiz. According to the American College of Financial Services.
Do you think you would make the grade when it comes to financial literacy? Most Americans between the ages of 50 and 75 scored low marks when it comes to retirement income literacy quiz. According to the American College of Financial Services.
We’ve repeated the stats time and time again: thousands of Baby Boomers retire every day. And by 2030, they will all be 65. And if Baby Boomers are up to bat for retirement, that means Generation X is on deck.
Have you ever been so scared of losing money that you didn't take a financial risk? Or maybe you've found yourself buying something just because everyone else is? These are just a couple examples of how our behavior plays a big role in our financial decisions.
You can test drive a car or an RV, but what about your retirement? We'll share some tips to think about before you make the leap into retirement.
Any time is a good time to break a bad habit. Whether you want to make improvements in your routine at home, your job performance at work, with your physical health or your financial health, the time to make a positive change for your future, is right now.
Is your estate plan up to date? After you pass away, will your assets and money go where you intend? Is there a beneficiary form that was not updated after a life situation changed? Do your loved ones a favor and listen to the podcast now.
A lot can happen to you in 20 years that you didn’t see coming. You probably had some unexpected blessings and also some obstacles to overcome. Either way, there were some big unknowns in your past and they’ll continue in the future.
You probably know what you should plan to spend on housing and groceries in retirement. And you've been dreaming to finally book that luxury vacation or close on that lake house in retirement. But are you ready for all the unplanned costs in retirement? We'll discuss some surprising, unexpected costs that could knock your retirement off course.
It’s easy to make assumptions about what goes into a legacy plan. We'll help make it clear for you as we dive into the basics of creating a lasting legacy for your family.
We can’t prevent bad things from happening. But we can help plan for the worst so if there is an accident, emergency, or serious medical diagnosis … you and your loved ones can focus on healing, not financial headaches.
David provides a thoughtful analysis of the US economy and the US National Debt which now exceeds $36 TRILLION! He is very impressive. Using his extensive experience as a CPA, David served as the seventh Comptroller General of the United States and head of the U.S. Government Accountability Office (GAO) for almost ten years (1998-2008). He served under Presidents Bill Clinton and George W. Bush. David also appeared in the Psychology of Retirement Movie Premiere Hosted by the Blue Heron Capital Team. This is a must listen podcast!
There are more than one million tax preparers in the U.S., so there’s no shortage of help when it’s tax time. But how do you find the right help with tax planning for your retirement?
According to a new poll, one in five Americans believe they’ll never retire, 62% of people who aren't retired yet believe Social Security won't even cover half their expenses and only 33% of Americans have a written financial plan. Of course, there are some simple steps you can take to gauge your preparedness for retirement and it’s as easy as checking off the boxes on our retirement checklist.
Inflation, Taxes, and Market Volatility are just some of the risks that you need to manage to protect your retirement future. Fortunately, there are ways to prepare, but it takes serious planning to manage the challenges you and so many retirees could face in the coming years!
It’s always important to keep your personal information as secure as possible, especially in our digital age today. However, there might some things you’re carrying in that wallet or purse that could be putting you at risk too.
A special guest joins us to discuss the financial impact of the election and how to be more tax efficient in retirement. Today’s special guest Becky Swansburg, CEO of Stonewood Financial, and the nation’s leading expert on Legislative Risk in retirement.
How much money do you really need to retire? It seems that everyone has an opinion on that, and the numbers get higher every year, but how do you know how much you’ll really need for your retirement journey? Joining in this discussion is Financial Zach Roberts, IRMAACP
The number one concern for most people when they talk about their retirement is whether their money will last as long as they do. So we’ll disclose 5 Ways to Help Make Your Retirement Income Last Longer. Joining in this discussion is Financial Advisor Zach Roberts
We’ll explore some of the more common retirement mistakes and regrets that others have shared and discover ways that you can avoid them.
Early retirement is a dream for many, but can you really afford to do it? Before you quit your job and sail off into your retirement journey, you’ll need to carefully consider taxes, health care, income sources and a lot more. And you definitely shouldn’t retire early without a written plan. So, where do you start? Joining in this discussion is Joel Cavaliere CFP TM
Every woman needs have her own Financial Plan – no matter whether she’s single, married, or in a committed relationship! Unfortunately, most women don’t have a written plan.
With the nation's debt climbing to unprecedented levels, higher taxes may be inevitable. Have you prepared your financial and retirement plans? Learn what you can do to safeguard your future. Joining us in this discussion is Financial Advisor Zach Roberts.
We always encourage saving as much as you can throughout your working years. The money you save today is what you’ll live on tomorrow. Listen to learn what we’ve seen retirees do without really thinking about how their retirement may be impacted.
If you love a good game of trivia, you’ll want to listen. We’ll explore 10 questions about Social Security that many Americans get wrong! You can test your knowledge, too!
Fraud is rampant – especially against Seniors! Will you know the warning signs to protect yourself?
Birthdays – Love them or hate them. Either way there are some that are really important!
Is there a difference between a Roth 401(k) and a Roth IRA? You bet there is! We’ll cover 6 ways they differ, as well as why you should take advantage of this option if it’s offered to you.
Starting in 2024 more than 11,000 Americans will be turning 65 every day – and that’s expected to last through 2027 when the last of the youngest Baby Boomers reach that magic age! Some are calling it the Silver Tsunami while others call it the ‘Peak 65.’ So, if you’re one of those lucky individuals turning 65 what do you need to know about planning for your next stage?
We’ll explore 4 steps that are often misunderstood, but can help you create a more secure and confident retirement. Joining us in this discussion is Blue Heron Capital Financial Advisor Zach Roberts!
It seems like every dollar you receive these days is taxable income. And with our country’s sky rocketing debt, chances are tax rates will be going up sometime in your future! That creates some real concerns! The good news is that the IRS doesn’t tax everything! We'll disclose things the IRS doesn’t currently tax.
After decades of paying those Social Security taxes, you may now be shocked to learn that up to 85 percent of your Social Security benefits could be subject to income taxes throughout your retirement years! So, is there anything you can do to help reduce or eliminate taxes on those benefits?
When creating your retirement plan, are you approaching it like a space engineer designs a rocket? Or are you swinging wildly from strategy to strategy unsure what to do next? What you do, and how you do it, really matters!
Your Money Your Retirement! It’s not just the name of our radio show! It’s the driving force in our practice! Today, we’ll review one of the most important chapters in Linda’s book, Your Money Your Retirement, as we focus on the number one question the BHC team is asked so often – Will your money last as long as you do?
When you think about retiring are you excited about your next chapter…or are you thinking that’s just what comes next in the cycle of life. Or, maybe you’re just happy to leave your job behind without any thought of what comes next. Whatever you’ve been thinking, maybe it’s time to re-fire! And make the rest of your life the best it can possibly be!
It’s 7:00 on a Friday evening and you just met with the doctor who told you she’s releasing your mom from the hospital first thing Saturday morning. Mom still needs a lot of care and she can’t go back to her home. Where do you start? What do you do next? Who are you going to call this late on a Friday evening? This can happen to anyone!
Does your advisor ever ask to look at your tax return? Does your advisor ask you about your potential for longevity, your health and your retirement goals? And, does your advisor explain things like sequence of returns and how that could impact your retirement future? If not… why not?
Will your money last...how will inflation, future taxes and healthcare expenses impact your retirement? Will your loved ones be financially ok when you’re gone? Do you know where your retirement income is actually coming from? If questions like these are keeping you awake at night, you’re not alone! The good news is that there are some great strategies to help you relax!
You might think you work well under pressure, but just-in-time estate planning is the last thing you’ll want to do! It’s critically important and, you want to get it right! We'll disclose 6 key mistakes to avoid.
How do you balance growth with protection in your retirement portfolio? Too much in growth can be risky…Yet, too much in protection may not last long enough! Can you design a retirement plan that allows you to do both? with Joel Cavaliere CFP TM
Index or fixed annuities are not designed for short term investments and may be subject to caps, restrictions, fees and surrender charges as described in the annuity contract. Guarantees are backed by the financial strength and claims paying ability of the issuer. Please refer to our firm brochure, the ADV 2A Item 4, for additional information.
You’ve spent your entire career working hard and building up your nest egg to eventually use for retirement. When it comes time to crack the nest egg, are you ready for it? Distribution is a much different mindset and process than accumulation, and mistakes at this point can be costly. So, we’ll talk about why a well-thought-out retirement plan can help you reduce the risk and set you up for your successful retirement journey. Joining in this discussion is financial advisor Zach Roberts.
There is a wealth of informal advice readily available whenever you face major retirement planning decisions. Questions such as when to begin Social Security or which retirement accounts to withdraw from first lead to lots of myths and misinformation. Joel Cavaliere CFP TM will participate in addressing these topics.
Thinking of retiring? There are important things to consider before taking that big step! We’ll share what you need to know before you decide to ride off into your next chapter.
Becky is an author and the CEO of Stonewood Financial in Louisville Kentucky. With Becky’s unique background in government prior to joining Stonewood Financial, she brings incredible insight into what all of that ‘government speak’ potentially means for your financial future in retirement.
When creating your retirement plan, are you approaching it like a space engineer designs a rocket? Or are you swinging wildly from strategy to strategy unsure what to do next? What you do, and how you do it, really matters!
The fear of outliving your savings has caused nearly half of retirees to believe that they will outlive their savings. How can you help ensure that your savings will stretch through potentially decades of retirement life? Gone are the days when a one-size-fits-all retirement plan sufficed. Now, more than ever, there's a pressing need for a retirement strategy that's not only robust but also flexible enough to help support a longer life.
Rollercoasters might have been thrilling when you were younger, but do you really want all of your life savings on a similar ride today? And, when you’re close to or you may already be on your retirement journey, that can be an even bigger concern! Listen as we discuss this important issue!
If you’re a woman have you taken the right steps to achieve financial security throughout your lifetime? We’ll explore some steps you can take today to achieve your own financial security.
Planning for your retirement income may not be rocket science, but it’s certainly not a walk in the park either! Making sure you plan in the right order is just as critical as checking all the boxes, with Joel Cavaliere CFP TM
Are the investment markets getting you down? Causing you sleepless nights? Wondering where to invest? One choice to avoid market losses can be using certain kinds of annuities – but are they right for you?
With so many complicated changes to the rules, potentially affecting your retirement savings, we've invited author and speaker, CPA Ed Slott. Ed is known as the ‘best source of IRA Advice’ in the country and he will guide us through some of the highlights and effective dates of this most recent Act.
High inflation is a big topic, and it affects everyone in different ways. However, there are some practical day-to-day things you can do to help ease the pain, and we’ll share some of those with you!
Many employers can’t find workers while others are implementing massive layoffs. If you or someone you know has had an unexpected layoff this could have you asking: “How will a layoff impact my chances to retire?” And that’s just one of the questions you need to address! Get answers to a number of common questions as we walk through a 10-step guide to help you through this big change!
One of the most common concerns for retirees is the fear of running out of money in retirement. While some advisors may suggest loading up on stocks or investing in riskier investments, chasing higher returns, that’s not the right answer for everyone and probably not for most. There are other choices that can work quite well.
The markets have had a challenging year! But, just like the weather, this too shall pass! The question is when that will happen. We’ll share some thoughts on historical market corrections and some ways that can help you sleep better at night.
Critical tax planning is an important part of retirement planning! QCD’s and Roth Conversions are some easy strategies to use. We’ll talk about those and a couple of other strategies that could help you keep a lot more of your money in your pocket and not send it to the IRS!
Have you seen the videos of incredible mazes of dominos that create amazing images when they fall down in a carefully predesigned manner?
It takes years of study and practice to get it just right. But, with the slightest bump, they'll go crashing down in total disarray. A similar chain reaction in our economy could threaten your retirement.
If there was one perfect investment, we’d all be in it! Since there’s not, it’s important to understand the trade-offs involved with any investment. So let’s keep it simple and explore the bucket strategy to help you reach your investment goals.
When you save well for your retirement, you’re in a better position to choose when you want to retire. However, sometimes working longer can yield benefits more valuable than money!
If you’ve saved for your retirement in tax-deferred retirement accounts like IRAs and 401ks, you’ll have to take Required Minimum Distributions when you reach the appropriate age and the distributions are taxable the moment you take them out. The more you saved, the larger the required distribution! There are ways to reduce how much of that distribution is taxable.
Does your advisor ever ask to look at your tax return? Does your advisor ask you about your potential for longevity, your health and your retirement goals? And, does your advisor explain things like sequence of returns and how that could impact your retirement future?
As you put your retirement planning into place, an important question becomes how should you invest? Under the mattress? In the bank? Out on the skinny branches full of high risk while you try to capture big returns? Or is there something better?
Are you living a Just-in-Case retirement? With inflation, market volatility and a looming recession it’s difficult to relax and enjoy retirement when there are so many doubts about the future. Sound like you? Find out how to replace uncertainty with confidence and live the retirement you dreamed you would.
Your Mother told you not to believe everything you hear or read, and that still rings true, maybe even more so today! There’s a big risk in retirement planning that nearly everyone can fall prey to! BHC Advisor Zach Roberts joins us to dispel some common retirement myths!
Each year, over a million American women face the challenges of widowhood. This Podcast provides insights to help widows navigate their transition, offering guidance to bypass potential pitfalls and to find strength.
When it comes to planning for your retirement are you worrying about the wrong things? A recent report says that just might be the case!
Climbing 14ers is not for everyone. However, climbing up Mount Retirement is a journey every retiree takes. When you retire and reach the summit, the question is: how to get down safely? Join us to explore 4 key questions to help make your safe descent down Mt. Retirement. Joel Cavaliere, Certified Financial Planner, will join us!
Does the 80% rule really work for your retirement income strategy? What about the 70% rule? Do you want to fit into someone's guesstimate, or is there a better way?
If you’re like many Americans, wondering if or when you’ll be able to retire is a major concern. In fact, many people, who despite saving well for retirement, feel completely unprepared for their next phase of life. If retiring worries you or scares you even just a little, you'll want to listen! BHC Advisor Zach Roberts joins us for this discussion.
- Are you really ready for an early retirement?
- Have you considered things like Social Security, health insurance, and outstanding debt with an early retirement?
- Do you know for certain what your retirement income will be and how much you’ll spend in retirement?
- Saving a little every day can go a long way.
- Practical ways you can give your kids and grandkids the gift of financial freedom.
- Establishing good financial habits today can help build a solid financial future.
- Understanding the taxation of certain investments.
- What Target Date Funds are, and the unexpected tax consequences that can come with them.
- The importance of Asset Allocation, Tax Planning, and Income Planning in retirement.
- What are the pros and cons of a Roth IRA?
- What are the pros and cons of a Roth 401(k)?
- Can you utilize both accounts in your retirement savings?
- How long will you retirement last?
- How much fuel will you need?
- Do you have a well-thought retirement investment plan?
- The value of a comprehensive written retirement plan.
- What is fiduciary responsibility and why is it important?
- What does a written retirement plan actually look like?
- Will your money last as long as you do?
- Understanding market risk and how it could affect your retirement.
- Are you ready for 20-30 years of planned unemployment when the paycheck stops?
- Expectations of the working spouse vs. the reality of the retired spouse.
- Do you and your spouse agree on when to retire?
- Can you afford it if one spouse retires early?
• What’s the difference between the accumulation vs. retirement phase?
• How will inflation erosion affect your retirement?
• Why is tax planning so important?
- Are you eligible and vested?
- Does your pension offer survivor benefits?
- Can your employer meet its long-term commitments?
- Are your retirement savings in pre-tax accounts?
- Taxes will go up, does your retirement plan include higher taxes?
- Do you know what the tax impact will be on your beneficiaries?
- Consequences of not having an estate plan
- Think beyond a single beneficiary and include contingent beneficiaries for life’s “what-ifs”
- Choosing the right people to handle your different affairs
- How to achieve growth while balancing protection of your nest egg
- How bank accounts play their role in a retirement plan
- The benefits of using the “bucket approach”
- The impact inflation can have on your retirement.
- What happens to healthcare in retirement?
- Unexpected additional expenses.
- Dollar-Cost Averaging reverses in retirement
- Mistakes in retirement can be fatal
- Understanding the taxation of your retirement accounts
- The impact taxes can have in retirement
- The danger of having no retirement income plan
- The unexpected things you might not think about for retirement
- Be grateful and embrace your new life!
- What dreams have you delayed?
- Don't be afraid to step out of your comfort zone.
- The transition to being retired and having extra time
- Things you might not have been prepared for, such as trying to stay in a routine
- Retirement is a chance to reinvent yourself
- Helps provide resources for families when care is needed.
- Free services include referrals and options to help seniors thrive no matter where they live.
- Assistance finding assistance with:
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- In-Home Care
- Independent Living
- Senior Communities
- Assisted Living
- Personal Care & Boarding Homes
- Skilled Nursing Facilities
- Memory Care
- Palliative Care/Hospice
- Retirement can be 20, 30, or 40+ years of planned unemployment, so the choices you make are critical!
- Do you know how much income you’ll need to support your retirement years?
- Planning for retirement risks, such as rollercoaster markets, inflation, and the loss of a loved one.
- Helps provide resources for families when care is needed.
- Free services include referrals and options to help seniors thrive no matter where they live.
- Assistance finding assistance with:
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- In-Home Care
- Independent Living
- Senior Communities
- Assisted Living
- Personal Care & Boarding Homes
- Skilled Nursing Facilities
- Memory Care
- Palliative Care/Hospice
- How much income will you actually need in retirement?
- Do you want a "one-size-fits-all" retirement?
- The myth of lower taxes in retirement
- Why looking at a tax return is critical to long-term planning
- Why life expectancy can make a difference in investment mentality
- How sequence of returns risk can impact your retirement drastically
- Take inventory of all your accounts!
- Does an IRA rollover make sense?
- Is working with 2 different advisors really in your best interest?
- The importance of keeping your beneficiaries up to date
- Special IRA beneficiary choices for the surviving spouse
- How RMD’s are calculated on an IRA for the surviving spouse
- Will your income support your lifestyle?
- Do you have a retirement tax plan?
- What are my options for health care?
- Why life insurance is still relevant for retirees
- How you can get tax-free retirement income from life insurance
- How life insurance can work right alongside your other retirement savings
- Will your money last as long as you do?
- How do I invest in retirement?
- Will Social Security run out?
- What are the different kinds of annuities out there, and are they right for you?
- Understanding more of the benefits and features that your annuity may have, and if they are still necessary today.
- How an annuity could enhance your retirement plan
- What happens to healthcare?
- How will my tax rates change?
- Will Social Security benefits be different?
- Underestimating costs in retirement
- Why you should diversify your portfolio
- The effects of not having an emergency fund
- Benefits of using retirement accounts when you’re self-employed
- Different retirement account choices, including a Solo 401(k), SEP IRA, and SIMPLE IRA
- The role specially designed life insurance can play in your retirement savings
- Caregiving through the eyes of former NFL coach Tom Coughlin
- The physical and emotional toll caregiving can bring
- How you can support someone who is in an active caregiving role
- Why do people buy life insurance, especially in retirement?
- Do I have enough life insurance?
- How exactly does life insurance help me in my retirement?
- How to take advantage of current low tax rates.
- What is the widows penalty?
- What future tax legislation could mean for your savings.
- What are the 4 investment pillars?
- Do I have to choose one pillar over the other for my investments?
- How can I turn my retirement savings into income for life?
- How are your different accounts taxed?
- Is your Social Security benefit fully taxable?
- How can you set yourself up for tax-free income in retirement?
- Should your savings be exclusively be in IRAs & 401(k)s?
- Is retirement really the end of the road?
- Should bonds be the only investment for retirement income
- What exactly makes up a complete estate plan?
- What can happen if you don't have any estate documents.
- Is there a right age or time to start putting together an estate plan?
- When should I retire?
- How much will it, or could it, cost to live during my retirement?
- Where should I place my assets?
- What is retirement planning?
- How early should you start planning for retirement?
- What should you look for in finding the right retirement planner?
- What is the tool and is it right for your retirement plan?
- How is the money invested?
- What happens to the balance when you pass away?
- How can I comfortably retire without that regular paycheck?
- What will you do with your time?
- How will taxes impact my retirement?
- "I've got Social Security. I'll be fine"
- "But, I need that money now!"
- "I've got plenty of time to plan and save later"
- What does Medicare cover?
- What are Med Supps, and what do they cover?
- When will Social Security help with medical expenses?
- How much income will you need?
- What are your income sources?
- How long do you think you may live?
- Mike's journey into financial planning
- Mike’s hopes and aspirations
- What Mike brings to the Blue Heron Capital client family
- Should you roll your money over?
- What happens when you have both pre-tax and after-tax money?
- What if you have employer stock inside your 401k?
Similarly, securing your Financial House requires strategies for:
- Investments & Risk Management
- Income that will last your lifetime
- And much more!
- The earlier you start, the better!
- Debt reduction prior to retirement may be critical.
- Encourage your adult children to save sooner than later.
- What steps can you can take to minimize the tax bill for your heirs?
- What happens when RMD's kick in?
- What will your expenses be in retirement?
- Traditional ingredients or include some new flavors?
- Use growth-focused or conservative-minded investments?
- Concentrate on long-term or short-term gains?
- Diversity can help during the downturns
- 3 reminders about the true nature of investing
- Timing the market does NOT work
- Do You Already Hold Assets That Beat Inflation?
- Will You Spend More Or Less Than You Think in Retirement?
- Will Social Security Be An Inflation Hedge?
Here are just a few of the topics we'll cover...
- Burning through your savings
- Retiring to early
- Investing too aggressively
- Quick facts
- Long Term Care is more than a nursing home.
- There are lots of options when it comes to funding LTC.
- The importance of having a plan in place.
- Do you both know how to take care of the bills, know passwords and usernames for financial accounts?
- Do you know how much income will be available when one spouse passed?
- Everyone can benefit from having an estate plan, regardless of your age.
- Direct how your property will be distributed.
- Why it's important to have a written estate plan.
- Investment products are not strategies
- A Misconception about using a single tool
- What are the tools you can use today?
- Have you heard of QCD’s?
- Save on taxes if you give to charities
- Excluded from taxable income
- 4 phases of retirement
- How you can invent, imagine and plan for each phase
- How retirement planning goes way beyond finances!
- Where will your retirement income come from?
- Will your money last as long as you do?
- How much can you spend in retirement?
- Pros and cons of cashing out
- Pros and cons of rolling it over to a new employer plan
- Pros and cons of rolling it over to an IRA
- How much influence does the President have over the market?
- Taxes – Past rates, compared to rates today
- How do you plan for future volatility?
- The “why” behind a Roth conversions
- The rules and limits to Roth accounts
- Why tax-free is always better than tax-deferred
- Retirement planning yesterday and retirement planning today
- Timing your retirement
- Making sure you have the overlooked pieces of retirement covered
- How life expectancy and loved ones impact this decision
- Understanding your entire retirement income scenario
- How taxes play their role
- Hiring an advisor who is not a fiduciary
- Choosing an advisor with the wrong specialty
- And much more!
- Preparing for the weekly paycheck to go away
- Important retirement concerns
- Protecting and maximizing your retirement savings
- The basics of Medicare
- Importance of healthcare planning
- Non-traditional healthcare choices
- Identify common scams
- Understanding the importance of your personal information
- Steps you can take to avoid these scams
- Your savings as the unrefined fuel for retirement
- Retirement planning in today’s world
- The importance of a customized retirement plan
- Future taxes in the aftermath of the 2020 pandemic
- Multiple stimulus packages
- The new administration
The Tax Free Bucket “Nothing is certain except deathand taxes!” according to Ben Franklin and he’s so right! Taxes could become an even greater threat to your retirement future! Find out how using the right tax bucket could set you free in your retirement!
Medicare Eligibility Medicare eligibility is not necessarily based on income - but your Medicare premiums sure are! Find out what you need to know for your overall retirement planning!
Can You Afford To Retire Early?
Many Americans were offered the opportunity to retire early last year, and others may also receive that offer!
How do you make the decision? Can you afford it? This is such a big concern for many and in this podcast we discuss these important questions and more!
The lessons of 2020 were many and one that became rapidly apparent to numerous people was how we should be hande our money going forward. There are a few easy changes you can make to prepare yourself for better financial security when the next crisis comes along – ‘cause you know it will!
When gains and losses occur in your portfolio during your retirement years they can make the difference between financial success and failure!
Listen to find out how it can affect your retirement and what you can do!
Social Security and Medicare have been a hot topic as of late. How will the new administration change the social security picture... and funding?
When it comes to Social Security, there’s one big question you need to address: When should you take your Social Security benefits? The answer might not be as easy as you thought!
Are You Worried About Retiring?
You’re not alone!
Let’s face it: thinking about retirement can be daunting. Find out about four of the Biggest Retirement Fears and how to face them.
Higher Taxes Are On The Way
Lots of uncertainty today, but most can agree on the fact that taxes will increase. The questions remain… how much and when taxes will begin to rise? Learn how to shelter your hard-earned retirement savings from unnecessary taxes!
Taxes Could be Your Biggest Expense in Retirement
We’ve talked about the possibility that taxes may increase.
It may happen sooner than later! Are you concerned about what higher taxes could do to your retirement? You'll want to listen to this podcast!
Retirement has traditionally been funded with a 3-legged stool: Employer Pension, Employee Savings, and Social Security. However, with pensions becoming less available and changes to how Americans are saving, is retirement looking more like a 5-legged office chair? Don't miss the valuable information in this podcast!
We’ve talked about the likelihood that taxes will increase for a long time. With the rapid increase of government spending, the national debt won’t pay for itself! However, taxes are essentially on sale right now, so how can you take advantage of these low rates while we still have them? In this short podcast, Ed Greene and I talk about these questions and concerns, as well as some of the ways you can move your assets from forever taxed to never taxed!
It feels like tax season never ended, but it's here again! Are you up to date on the changes for this year? Do you have questions about how the events of last year could affect your taxes this year? In this short podcast, Ed Greene and I welcome CPA John Sardoni to the show to talk about the changes for this year and how you can best be prepared for April 15th. Whether you do your own taxes or you have someone do them for you, you do not want to miss this great discussion!
In this podcast Ed Greene and I interview Tom Hegna.
In 12 minutes, Tom shares some key things to consider
as you plan for retirement. Tom is an economist,author
of five books including Paychecks and Playchecks,and
public television host of Don’t Worry, Retire Happy!
seen in 80 million homes.
In true Colorado spirit, picture saving for your retirement as climbing a mountain . . . Mount Retirement! When you retire, you've reached the summit! Now what? Free fall, or controlled descent? In this short podcast, Ed Greene and I discuss 4 key questions to consider when planning your descent down Mount Retirement. As you focus on your retirement journey, make sure you give this podcast a listen!
Life Insurance as a Retirement Savings Vehicle What if life insurance could be a retirement savings vehicle, that provides tax free living benefits as well as tax free death benefits? In this short podcast, Ed Greene and Linda Gardner talk about Indexed Universal Life, and how for some, it could be appropriate for their retirement portfolio.
You know about Make-A-Wish for children.
Now learn about Wish of a Lifetime for seniors!
Special Guest of Your Money Your Retirement®,
Jeremy Bloom talks about his charity,
Wish of a Lifetime, a non-profit which grants wishes to seniors.
Hear Jeremy’s amazing story in this podcast!
Have you checked all the boxes for retirement to create your retirement plan? Do you know where to even start?
In this short podcast, Ed Greene and Linda Gardner discuss some of the basics to cover as you go through your retirement checklist. If you are just getting started with retirement planning or if you’re re-evaluating your current plan, you won’t want to miss this podcast!
When there’s a will, there’s a way; A way to leave a well-defined legacy to your heirs! Or, would you rather leave it all to chance and the rules the state sets up for you?
In Part 2 of our estate planning podcast series, Ed Greene and I discuss trusts more in depth, the importance of choosing the right people to carry out your wishes when you pass, and the different powers of attorney. If you found Part 1 helpful, then you certainly don’t want to miss Part 2!
When there’s a will, there’s a way. A way to leave a well-defined legacy to your heirs! Or, would you rather leave it all to chance and the rules the state sets up for you? In Part 1 of our estate planning podcast series, Ed Greene and I discuss why you need estate planning, the basics of wills and trusts, and the importance of choosing the right people to carry out your wishes when you pass. It’s an important piece of retirement planning; a piece you won’t want to miss!
Would you rather work during your retirement because you want to or because you need to?
If you’ve planned and saved well for your retirement, and you’re not quite ready to hang-it-up, working in retirement could be a great option for you!
In this short podcast,
Working During Your Retirement,
Ed and I discuss some of the surprising benefits of working later in your retirement, from both a financial and a mental perspective!
Do you think you can time the markets? That’s a pretty risky game to play, and is it really a good idea to put your lifetime savings on the line just before you retire?
In this short podcast, Ed Greene and Linda Gardner discuss the dangers of timing the markets, especially in your retirement years!
If you’re still working, you may have a 401(k). But what about a Roth 401(k)? Yes, they’re out there, and while more and more companies are starting to offer them, most people aren’t taking advantage of them! Maybe it’s time to re-think that!
In this short podcast, Ed Greene and Linda Gardner discuss the ins and outs of the Roth 401(k), and why you should seriously consider using it if it’s available to you!
Ed Greene and Linda Gardner discuss Indexed Universal Life Insurance, a retirement savings tool that provides both a death benefit and living benefits. For some, it could be the perfect option that completes your retirement plan!
Will your money last as long as you do? Do you know how much income you’ll need to live in retirement? Have you considered larger expenses such as healthcare? If you’re asking yourself these questions, you’re not alone.
In this short podcast, Ed Greene and Linda Gardner talk about how you to see if your money will last, as well as provide some investment choices that could maximize your hard-earned dollars.
There’s a lot of current fears and concerns about tax rates increasing, and rightly so! Is your retirement account currently in a position that is never taxed, or is it forever taxed?
In this short podcast, Ed Greene and Linda Gardner discuss the ins and outs of a Roth IRA, and why you should take advantage of it today!
You hope and you pray you’ll never need it… But what if you or a loved one needs long-term care? 7 out of 10 people over age 65 will potentially need it, and the costs are staggering!
It doesn’t matter how much money you have; Actor Rob Lowe remembers how challenging and stressful it was to take care of his mother. Add financial stress to that, and that could be devastating!
In this short podcast, Ed Greene and Linda Gardner talk about the challenges that Rob Lowe faced and the importance of planning for long-term care.
With the increased government spending this year, taxes are more than likely to increase, and it could happen sooner than we think. Are you prepared for an increase in taxes?
In this short podcast, Ed Greene and Linda Gardner talk about how taxes could increase and some strategies you could potentially use to lessen your tax burden down the road.
When you think of life insurance, most people immediately turn away. But, what if we told you that there is life insurance products that can be a retirement savings vehicle? Life insurance products that provide not only death benefits, but living benefits to you as well?
In this short podcast, Ed Greene and Linda Gardner talk about Indexed Universal Life, and how for some, it could be a fantastic piece to their retirement portfolio.
To live a no-regrets retirement, you’ll want a great plan with diversified investments. Could an annuity be the option?
In this week’s podcast, Ed Greene and Linda Gardner discuss the ABC’s of annuities, and how they could be a fantastic piece of your retirement portfolio!
Most are already aware that RMD’s were waived for 2020 with the passing of the CARES Act. But what if you took an RMD out before the CARES Act? What if you took one out after? Did you really want to do it, and do you want to put the money back?
In this short podcast, Ed Greene and Linda Gardner discuss how you can put RMD money back by the August 31st deadline – and if it makes sense for your personal situation!
Are you in retirement and wondering if you’ve made the right decisions and choices so far? Are you approaching retirement and starting to think if you did the right things in your earning years? Are you someone who is just getting started and wants to make sure you are on the right path?
In this week’s podcast, Ed Greene and Linda Gardner review mistakes that Jack and Jillian, a fictional retired couple, made throughout their retirement planning. You won’t want to miss out on this – Learn from their mistakes, so you don’t make the same ones!
2020 has sure been a crazy year! It seemed like our market was in absolute shambles for a while, but the good news is it has been slowly climbing its way back to the numbers we were used to seeing. But for how long? What comes next? And the better question – What should you, someone who is saving and investing, do in response to this?
In this short podcast, Ed Greene and Linda Gardner discuss some key questions and concerns that people have now, and what to expect next.
If you’re a long-time listener, then you probably remember Jack and Jillian from earlier this year!
For the month of July, they’re back, and we’re covering 28 mistakes they made in retirement.
In this short podcast, Linda Gardner and Ed Greene discuss the first 5 mistakes, and how you can avoid making them yourself!
There is a thought out there that annuities are bad, and you should avoid them at all costs. Think again! For some, an annuity could be the perfect addition to your retirement plan. It could pay out through your entire lifetime – even at age 100!
In this week’s podcast, Linda Gardner and Ed Greene discuss the basics of what an annuity is and how it functions, as well as how an annuity could provide you lifetime income.
If you’ve always thought that estate planning is for those with money, think again! If you’re over the age of 21, it’s important that you have estate planning documents in place. In this short podcast, Ed Greene and Linda Gardner discuss what those documents are, how to start, and why it is important.
The traditional view of retirement is outdated and changing! With life expectancy increasing, many Americans are being forced to change how they view their retirement. In this week’s podcast, Ed Greene and Linda Gardner discuss how to invent and plan for a modern-day retirement.
In this short podcast, Ed Greene and Linda Gardner discuss 8 strategies to prepare for market downturns so you don’t panic when it happens!
In this episode, nationally renowned IRA expert and CPA Ed Slott joins the show to talk about the current and lasting effects of the CARES Act, as well as ways to help make your money go from forever taxed to never taxed.
Linda Gardner and Ed Greene discuss how to effectively make your money last, as well as lay out some of the basic steps in building a financial foundation.
In this week’s short podcast, Ed Greene and Linda Gardner talk about what you can do with the retirement accounts you left behind, how to efficiently navigate taxes , and how the recent COVID-19 changes might affect what you do next. Tune in, you don’t want to miss this!
Have you planned for your retirement yet? Do you know where money is coming from when you stop working? Will it last?
If you aren’t sure about those questions, you’ll want to give this podcast a listen!
In this short podcast, Ed Greene and Linda Gardner talk about how to effectively plan for your retirement, and how your investment decisions can potentially put lasting income for both a “paycheck” and a “playcheck” into your account.
After you listen, if you want to set up a time to talk about any questions or concerns you may have, click here!
Linda and Ed talk with Ed Slott about the new SECURE Act and what it means for your retirement savings.
Linda and Ed discuss tax-free retirement income with Martin Ruby, author of The No-Compromise Retirement Plan.