Your Retirement Radio With Kevin Madden: Recent Episodes
Kevin Madden
Join Kevin Madden for helpful answers to the retirement planning questions and concerns that keep you up at night.
What if playing it too safe in retirement could create a risk of its own? On this episode, Kevin Madden explores the balance between protecting retirement savings and maintaining growth potential. He discusses market risk, inflation, guaranteed income strategies, Social Security uncertainty, and why having a retirement plan matters more than reacting to headlines or market swings. The conversation also tackles the limitations of the traditional 4% withdrawal rule and highlights the importance of turning scattered savings into a coordinated retirement income strategy.
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Is FOMO pushing investors to take more risk than they realize? Kevin Madden discusses how market euphoria, AI-driven uncertainty, and retirement planning challenges can influence financial decisions. He explains why understanding risk tolerance, creating a retirement income strategy, and preparing for market downturns matter more than chasing hot investments. The conversation also explores how AI may affect late-career workers, the value of human guidance in retirement planning, and why proactive tax planning can help retirees avoid costly surprises from required minimum distributions later in life.
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Could your retirement plan withstand a 40-year retirement? This episode explores why longevity is changing the way people need to think about income, cash flow, and financial security in retirement. Kevin Madden discusses planning beyond age 95, managing inflation, creating reliable income streams, adapting to changing financial conditions, and building a retirement roadmap that helps organize withdrawals, taxes, legacy goals, and spending priorities. Plus, lessons from Rob Gronkowski's disciplined approach to money and how retirees can think about balancing savings, income, and lifestyle.
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Do you really need $1 million to retire comfortably, or is that number distracting you from what matters most? Kevin Madden explores why retirement success may depend more on income planning than hitting a specific savings target. He discusses alternatives to the traditional 4% withdrawal rule, the role of guaranteed income strategies, managing market risk, evaluating portfolio allocations, and preparing for potential Social Security challenges. Kevin also shares real-world examples of retirees who uncovered hidden risks and improved their retirement income through a more comprehensive financial plan.
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What financial mistakes feel harmless today but can create major problems later in retirement? Kevin Madden discusses overlooked retirement risks, including forgotten 401(k)s, retiring without a financial roadmap, and failing to keep estate plans up to date. He explains why wills matter regardless of net worth, shares a real-life example of family conflict caused by poor planning, and explores how current annuity rates may create opportunities for retirees seeking guaranteed income. The conversation highlights the importance of preparing for market volatility, protecting assets, and making informed decisions before retirement.
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What if retirement income could be generated with less reliance on market performance? In this episode, Kevin Madden discusses why more advisors are exploring annuities as part of retirement income planning, how guaranteed income strategies may fit alongside stocks and bonds, and why having a written retirement plan matters. The conversation also covers common retirement regrets, the risks of making emotional portfolio changes, preparing for an unexpected early retirement, and how defining lifestyle goals can help shape the next chapter of life.
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Your roadmap will include:
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Retirement can feel like the start of a race—so how do you set the right pace from day one? This episode focuses on building a retirement income plan that defines sustainable withdrawals, accounts for taxes, and measures long-term success through a “retirement roadmap.” Kevin Madden also addresses common misconceptions about annuities, breaks down different types, and explains how they may fit into an income strategy. Plus, key mistakes to avoid in the final years before retirement, including excessive risk, lack of liquidity, and not understanding expenses.
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Your roadmap will include:
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What does it really take to replace your paycheck in retirement—and why might the old 4% rule fall short? This episode explores the rising cost of retirement, estimated at $5,300 per month, and the critical role of guaranteed income sources like Social Security and pensions. Kevin Madden discusses building reliable cash flow using alternative strategies, from fixed annuities to diversified income planning, while addressing risks like inflation, market volatility, and overreliance on 401(k)s. The conversation highlights how tailored income strategies—not arbitrary savings targets—shape long-term financial stability.
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Worried about how market downturns could impact your retirement income? Kevin Madden explains why relying solely on market withdrawals—like the 4% rule—can fall short during volatility and how sequence of returns can drain your portfolio faster than expected. He shares strategies for building dependable income, including blending guaranteed sources with market investments, and highlights the importance of planning for both spouses’ goals and communication. Learn how creating a structured retirement income plan may help reduce uncertainty and better align your money with your long-term needs and lifestyle.
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Could your retirement last 40 years—and is your income ready for it? Kevin Madden breaks down the reality of longer lifespans and why consistent cash flow matters more than ever. From guaranteed income options and Social Security timing to the impact of inflation, taxes, and market changes, this episode explores how retirees can structure income to keep pace with an evolving financial landscape. Plus, insights on “spring cleaning” your portfolio, avoiding redundancy, and making smarter decisions with old 401(k)s and investment accounts.
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What happens to your retirement plan when life doesn’t go as expected? Donald Trump Jr has some retirement advice for you and Kevin Madden breaks down why having a true retirement plan—not just a “pile of money”—matters more than ever. From navigating unexpected life events to creating reliable income streams, they explore how planning for longevity, market shifts, and personal decisions can shape your financial future. The conversation also covers annuities, guaranteed income, and common mistakes retirees make when rushing decisions or failing to revisit their plan over time.
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Annuities are back in the spotlight—but are they solving a problem retirees can’t ignore? Kevin Madden breaks down why more advisors are rethinking retirement income strategies, focusing on cash flow, guaranteed income, and reducing reliance on market swings. The conversation explores how combining annuities with dividends and bonds can create stability, why emotional investing near retirement can derail plans, and how a written income plan helps organize “one big pile of money.” Kevin also highlights the impact of unexpected early retirement and why planning ahead can bring clarity to life after work.
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Rising prices are changing the way people think about retirement, and the ripple effects show up faster than expected. On this episode, Kevin Madden breaks down how inflation, market swings, and overlooked portfolio risks can quietly reshape retirement income. The conversation covers cash flow planning, balancing growth and stability, why rebalancing matters, and how issues like Medicare IRMAA and evolving retirement strategies fit into today’s landscape. It’s a practical discussion about adapting plans as the cost of living and market behavior continue to shift.
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What happens to your retirement income when markets dip and withdrawals are still due? On this episode, Kevin Madden discusses why relying solely on market-based withdrawals can strain a long-term plan—especially during downturns. They explore building a written retirement roadmap, using multiple income sources, and the role guaranteed-style income streams can play alongside investments. The conversation also covers volatility, sequence-of-returns risk, and why having cash reserves and annual plan reviews may help retirees stay disciplined instead of reactive when uncertainty hits.
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When markets swing and headlines fuel uncertainty, pressing pause without a plan can quietly reshape your retirement outcome. On this episode, Kevin Madden breaks down why taking withdrawals during market dips can magnify long-term risk and explores how written retirement planning helps address common fears like running out of money. The discussion covers income timing, market volatility, diversification, and blending growth with stability as retirees transition from accumulation to distribution—all with an emphasis on understanding trade-offs and building clarity around income needs over time.
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When headlines get loud and investors start piling in, is that a signal to pause? On this episode, Kevin Madden explains why chasing today’s market darlings isn’t a strategy and how disciplined investing, risk awareness, and income planning fit together as retirement approaches. The conversation explores portfolio risk, timing retirement conversations, what to expect in your first planning meeting, and how annuities can be used thoughtfully for income or protection. It’s a practical discussion about asking better questions and building a clearer picture of retirement cash flow.
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What if the greatest risk to your retirement isn’t the market—but not having a plan? On this episode, Kevin Madden digs into how today’s volatility, inflation, and emotional decision‑making collide with retirement income planning. They explore why many retirees underspend out of fear, how guaranteed and non‑guaranteed income strategies can work together, and why “winging it” can quietly erode confidence. The conversation centers on building a flexible income roadmap that supports cash flow, manages volatility, and provides peace of mind throughout retirement.
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What happens when retirement income meets taxes, market swings, and real-life conversations at the kitchen table? Kevin Madden breaks down how annuities are taxed, why the source of your retirement dollars matters, and how market volatility can affect income withdrawals. The conversation explores using different buckets of money for income, managing risk during downturns, and why couples often struggle to talk about retirement planning. It’s a wide-ranging look at income strategy, tax awareness, and aligning financial decisions with real retirement lifestyles.
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What if the biggest risk to your retirement isn’t the market—but how you’re taking income from it? Kevin Madden unpacks why so many retirees lack a true income plan and how longevity, inflation, and market swings complicate retirement cash flow. The conversation explores creating personal pension-style income, avoiding “dead money,” coordinating scattered accounts, and planning for big-ticket retirement spending without regret. It’s a candid discussion about organizing income, balancing guarantees with growth, and building confidence around how long your money is really meant to last.
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What does Shaquille O’Neal’s favorite investment reveal about retirement income and peace of mind? Kevin Madden breaks down why annuities spark strong opinions, how guaranteed income and protection fit into a retirement roadmap, and why fees, taxes, and long‑term care planning can quietly shape your future. The conversation also explores 401(k) fees, IRA options, and the emotional transition into retirement—covering both the financial and lifestyle sides of leaving the workforce. This episode focuses on clarity, options, and understanding the trade‑offs that come with retirement decisions.
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Trying to jump in and out of the market can quietly do more damage than most investors realize. On this episode, Kevin Madden breaks down why “time in the market” matters more than timing it, and how volatility can derail income during retirement. The conversation explores alternative income strategies, guaranteed cash‑flow options, interest‑rate shifts, and why relying solely on withdrawals can create unnecessary risk. Real‑world examples show how planning for income, taxes, and inflation can change the retirement picture and create steadier financial footing.
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Market swings grab headlines, but retirement income doesn’t have to ride every twist and turn. Kevin Madden breaks down why growth and income serve different roles and how diversification goes beyond stocks and bonds. Using real-world examples, the conversation explores combining market-based growth with income sources designed for consistency, plus why timing matters less than structure when you’re nearing or in retirement. It’s a practical look at cash flow, comfort, and building a plan that fits how you actually live.
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Markets are at record highs, but retirement isn’t a time to guess. On this episode Kevin Madden breaks down why shifting from growth to income requires more than just selling stocks when nerves kick in. He explains the balance between offense and defense, how hidden fees and excess risk can quietly erode savings, and why steady, reliable income matters more than chasing returns. Through real-world examples, the conversation focuses on turning long-term savings into sustainable income while managing volatility and protecting lifestyle choices in retirement.
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What if one overlooked decision could quietly cost you tens of thousands of dollars in retirement income? On this episode Kevin Madden walks through a real-life case where a couple discovered their existing plan wasn’t delivering what they expected—and how a smarter income strategy nearly doubled their guaranteed paycheck. The conversation breaks down retirement income planning in plain English, explores why withdrawal “rules” can fall short, and explains how taxes, inflation, and market swings affect what you actually spend in retirement. It’s a practical look at turning savings into reliable income.
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Inflation is squeezing paychecks—and retirement income feels the pressure even more. On this episode Kevin Madden breaks down how retirees can balance income, risk, and lifestyle when the market is unpredictable. They explore why market growth isn’t the same as retirement income, how guaranteed strategies can change the math, and where tools like bonds, annuities, and even gold may (or may not) fit. The conversation comes back to one core idea: retirement isn’t built on guesses—it’s built on sustainable income decisions.
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When rising costs collide with unexpected expenses, even the best‑laid retirement plans can feel shaky. On this episode, Kevin Madden breaks down how retirees can stay steady by managing cash flow, balancing risk, and building reliable income streams. From the impact of healthcare costs to the importance of “sticking the landing” in retirement, Kevin explains how multiple income sources and thoughtful planning can help keep your financial journey on track. He also shares real‑world examples, common pitfalls, and why reviewing your plan regularly matters.
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Market highs may feel exciting, but today’s conversation reveals why they’re also making retirees uneasy. Kevin Madden breaks down why record-breaking markets, rising layoffs, and unpredictable dips are prompting many people to reevaluate their risk tolerance. He explains how relying on market‑based withdrawals can drain savings faster than expected, and why tools like annuities and diversified income strategies may offer more stability. Kevin explores realistic ways to build a reliable income plan, stretch retirement dollars, and create a roadmap that keeps long‑term goals in focus without the stress of market watching.
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When it comes to retirement, the biggest mistake couples make is staying silent about money — and it could cost them. On this episode, Kevin Madden break downs why both spouses must stay engaged in financial planning, how to build predictable income for life, and the truths behind popular retirement myths like the 4% rule. They also explore strategies for creating your own “personal pension,” staying protected during market swings, and making smart decisions with Social Security and long-term savings. A practical, down‑to‑earth conversation for anyone seeking clarity and confidence in retirement planning.
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What if one simple shift could dramatically change how long your retirement savings last? On this episode, Kevin Madden breaks down tax‑efficient planning strategies that help retirees keep more of what they’ve earned. From the new senior tax deduction to Roth conversions, guaranteed income tools, Social Security timing, and real‑life case studies (including Mary’s remarkable income boost), they reveal how thoughtful planning shapes long‑term financial confidence. Learn how a personalized retirement roadmap brings clarity to income, taxes, and legacy decisions—so your money works smarter throughout your retirement years.
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Millions step into retirement each year—but not all with a plan built to last. On this episode, Kevin Madden breaks down how to create reliable retirement income using a mix of market strategies and guaranteed tools tailored to your needs. From understanding risk to building cash flow that supports decades of living, Kevin explains how to approach retirement with clarity and confidence. Whether you're five years out or already on the goal line, this conversation helps you think through the choices that shape your financial future.
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What if one smart shift in your retirement plan could change your entire financial future? On this episode, Kevin Madden walks through real stories that reveal how rethinking traditional strategies can boost income, strengthen security, and simplify retirement planning. From guaranteed income options to modern tools like Monte Carlo simulations, Kevin shows how today’s retirees can build flexible, sustainable plans tailored to their lives and why personalized planning—not outdated rules of thumb—matters more than ever.
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When the market takes a “Wile E. Coyote” leap, will your retirement plan stay standing? In this episode, Kevin Madden breaks down why understanding your true risk tolerance matters more than chasing returns and explore how mismatched risk, hidden overlap in portfolios, and market volatility can derail long‑term plans — and how smarter defense, steady offense, and guaranteed income strategies can help protect what you’ve built. Learn how to align your portfolio with your comfort level and avoid common pitfalls that sabotage retirees.
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What if a single decision could make or break your retirement dreams? This episode dives into the unpredictable world of retirement planning—exploring how to protect a windfall, diversify investments, and secure guaranteed income. Discover why the right strategy isn’t one-size-fits-all, and learn how to prepare for the unknowns of market volatility, inflation, and taxes. Real stories and practical advice reveal how to build a resilient retirement plan that fits your life, not just your numbers.
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Are you ready to rethink your retirement strategy and make your money work smarter? This episode dives into required minimum distributions (RMDs), tax-efficient planning, and the difference between “must-haves” and “nice-to-haves” in retirement. Discover real-life stories, actionable tips, and how early planning can boost your income and confidence for the years ahead.
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Are hidden fees quietly draining your retirement savings? Dive into the latest episode of Your Retirement Radio Podcast, where Kevin Madden breaks down alternative investment strategies, the impact of interest rates, and the crucial importance of having a personalized retirement roadmap. Learn how to spot costly pitfalls, maximize guaranteed income, and make informed decisions about your 401k, annuities, and more—without steering blind into retirement.
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Is your retirement income really keeping up with inflation, or are you just treading water? This episode dives into the reality behind Social Security’s cost-of-living adjustment, the hidden impact of rising Medicare costs, and the risks and rewards of investing in gold and other assets. Kevin Madden breaks down how to stretch every dollar, assess your risk, and build a retirement plan that delivers confidence and guaranteed income—so you can enjoy life’s big moments without financial stress.
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What if the next market crash is closer than you think? This episode dives into the lessons of 1929, the risks of today’s AI-driven economy, and how retirees can protect their savings from sudden downturns. Discover why diversification and guaranteed income products matter, how interest rate changes impact your finances, and why one-size-fits-all advice can be dangerous. Real stories and practical strategies help you cross the retirement finish line with confidence—no matter what the market does.
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Are you ready to discover how one decision could boost your retirement income beyond the “4% rule”? This episode dives into new catch-up contribution rules, the power of Roth conversions, and real-life stories of retirees who turned their savings into guaranteed income. Learn how to build a personalized retirement roadmap, tackle rising healthcare costs, and make your money work smarter for your future—all without cookie-cutter advice.
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Is your retirement plan as outdated as your old frying pan? Discover how today’s retirees can lock in competitive rates, navigate spending volatility, and rethink income strategies for lasting financial security. Host Kevin Madden shares real stories and practical advice, revealing why guaranteed income and flexible planning matter more than ever. Tune in for insights that challenge the “magic number” myth and help you build a smarter retirement roadmap.
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Are hidden fees draining your retirement savings? Dive into this episode as Kevin Madden reveals the real impact of Roth conversions, alternative investments, and the secrets behind building a tax-efficient retirement plan. From the pitfalls of outdated mutual funds to strategies for replacing your paycheck, discover how to navigate today’s financial landscape and secure your future—without leaving money on the table.
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Are you ready to retire, or does it feel like you’ll need a miracle to make it happen? This episode dives into why so many Americans lack retirement confidence, how inflation is impacting everyday life, and what strategies can help you secure guaranteed income and minimize tax burdens. Kevin Madden shares real stories and practical advice to help you build a retirement plan that lasts.
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What if your retirement could be stress-free and built to last? Discover how guaranteed income streams—like Social Security, pensions, and annuities—can transform your financial future, boost happiness, and provide lasting confidence. Host Kevin Madden breaks down the essentials of creating a retirement roadmap, share real-life stories, and reveal why thinking outside the box is key to securing your dream retirement—all in one insightful episode.
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Are you ready for the biggest change of your life? Discover how shifting from saving to spending in retirement can be both exciting and daunting. Kevin Madden breaks down the emotional and financial challenges of retirement, from managing risk and building a solid financial foundation to balancing enjoyment with smart planning. Hear real stories, expert insights, and practical strategies to help you navigate your retirement journey with confidence—all in one engaging episode.
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What if the worst month for the stock market isn’t what you think? On this episode, Kevin Madden reveals surprising market truths and shares how to build a resilient retirement strategy that withstands market ups and downs. Discover the secrets of smart spending, budgeting for bucket-list adventures, and learning from the “millionaire next door.” Whether you’re planning your income, considering a side hustle, or just want to avoid common pitfalls, this episode delivers practical wisdom for a secure and fulfilling retirement journey.
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Is your retirement plan built to weather market storms and rising costs? In this episode, Kevin Madden reveals how everyday retirees can learn from Warren Buffett’s risk strategies, boost monthly income, and avoid common tax pitfalls. Discover real-life stories, smart budgeting tips, and why a lifetime tax plan matters more than a one-year refund. Whether you’re worried about streaming bills or interest rates, this show helps you rethink your financial roadmap for lasting peace of mind.
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What if your retirement plan is built on assumptions, you’ve never questioned? In this episode of Your Retirement Radio Podcast, Kevin Madden breaks down risk tolerance, inherited IRAs, and the myth of the “magic number” for retirement. With real-life examples and a relaxed, conversational tone, Kevin explores how personalized planning—not guesswork—can bring clarity and confidence to your financial future.
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Think you need a million dollars to retire? Think again. In this episode of Your Retirement Radio Podcast, Kevin Madden breaks down the myth of the “magic number” and explains why retirement planning starts with understanding your monthly cash flow needs. From guaranteed income strategies to annuity insights and milestone ages, Kevin shares real-life examples and practical tools to help you build a personalized retirement roadmap—without the guesswork.
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Is your retirement plan missing out on today’s high interest rates? In this episode of Your Retirement Radio Podcast, Kevin Madden breaks down how fixed annuities can offer guaranteed income and tax-deferred growth—even as rates begin to slide. Learn how retirees are upgrading old contracts, balancing risk, and using personalized strategies to protect their future. Whether you're cautious or aggressive, understanding your financial position is key to navigating market volatility.
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What if your retirement income could be guaranteed—without relying solely on the stock market? In this episode of Your Retirement Radio Podcast, Kevin Madden breaks down how pension-like income sources and annuities can boost confidence and spending power in retirement. From real-life client stories to strategies for streamlining portfolios, Kevin and Jessica Forkel explore how simplicity and smart planning can protect your future. Whether you're in the sandwich generation or just starting to think about retirement, this episode offers practical insights for building a resilient financial roadmap.
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Is your retirement plan built to withstand inflation, taxes, and market volatility? In this episode of Your Retirement Radio Podcast, Kevin Madden breaks down how to navigate Required Minimum Distributions (RMDs), the risks of private equity in 401(k)s, and the power of Roth conversions. Whether you're 10 years out or one year away from retirement, learn how to align your financial tools with your goals and build a strategy that brings peace of mind and long-term stability.
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Is your retirement portfolio cruising toward a cliff? In this episode, Kevin Madden breaks down the “Wile E. Coyote” moment looming over today’s market and how retirees can avoid financial freefall. From risk assessments and portfolio diagnostics to guaranteed income strategies, Kevin shares real-life stories and practical tools to help listeners build a resilient retirement plan. Whether you're facing lump sum decisions or market volatility, this episode offers clarity without the hype.
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What if your retirement plan could turn taxes into opportunity? In this episode, Kevin Madden breaks down how recent tax law extensions open the door for strategic Roth conversions and smarter estate planning. He also weighs in on the risks of over-relying on the “Magnificent Seven” tech stocks and explains why now might be the time to lock in high annuity rates. Plus, a candid look at why so few people work with financial advisors—and why that could be a costly mistake.
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On this episode of Your Retirement Radio Podcast, Kevin discusses the pressing concerns of retirees, focusing on taxes, guaranteed income strategies, and the importance of financial planning. The conversation highlights the challenges posed by market volatility and the necessity of having a solid retirement plan that can withstand economic fluctuations. Listeners are encouraged to test their retirement plans and explore options that can maximize their savings and income in retirement.
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On this episode of Your Retirement Podcast, Kevin delves into critical aspects of retirement planning, focusing on Social Security decisions, maximizing Roth IRA benefits, understanding economic influences, and creating guaranteed income strategies. The discussion emphasizes the importance of personalized financial planning and the need to adapt strategies based on individual circumstances and market conditions.
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On this episode of Your Retirement Radio Podcast, Kevin discusses the implications of potential tax changes on Social Security, the resilience of the economy amidst market volatility, and the importance of understanding investment risks in retirement. The conversation also covers the transition from traditional pensions to 401(k) plans and emphasizes the need for a sustainable retirement income strategy.
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On this episode of Your Retirement Radio Podcast, Kevin discusses the challenges and strategies associated with early retirement planning. He emphasizes the importance of considering longevity, healthcare costs, and the need for a diversified investment strategy that includes both guaranteed income and market-based investments. The discussion also covers the limitations of relying solely on 401(k) plans and the necessity of creating a comprehensive retirement roadmap to ensure financial security in retirement.
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On this episode of Your Retirement Radio Podcast, Kevin discusses the essential aspects of retirement planning, addressing common concerns such as whether individuals have saved enough for retirement and how to create a personalized retirement plan. He emphasizes the importance of understanding one's financial habits, planning for longevity, and ensuring a steady income stream throughout retirement. Kevin also highlights the unique approach of Madden Wealth Advisors in helping clients achieve their retirement goals through education and tailored strategies.
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On this episode of Your Retirement Radio Podcast, Kevin discusses the importance of evolving retirement plans, the role of annuities, long-term care planning, identifying hidden fees in 401k plans, and the transition into retirement. He emphasizes the need for continuous communication with clients and the importance of having a comprehensive financial plan that adapts to changing circumstances.
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On this conversation, Kevin discusses the current landscape of annuities and retirement planning, emphasizing the impact of changing interest rates on fixed annuity rates. He addresses common myths surrounding retirement strategies, particularly the outdated 4% withdrawal rule, and highlights the importance of guaranteed income for a secure retirement. The discussion also touches on the concept of residual income, using the example of actor Matt LeBlanc, to illustrate how guaranteed income can provide financial freedom in retirement.
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On this episode of Your Retirement Radio, Kevin discusses the evolving landscape of retirement planning, emphasizing the importance of guaranteed income strategies as people live longer. He highlights the need for personal pension plans, the dangers of 'dead money' in retirement accounts, and the significance of having a comprehensive financial plan that accommodates big purchases and market fluctuations. The conversation underscores the value of personalized financial advice and the importance of patience in the planning process.
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In this conversation, Kevin discusses various aspects of retirement planning, including the cultural phenomenon of tipping, the hidden fees associated with retirement accounts, the importance of professional guidance, guaranteed income strategies, and the impact of inflation on retirement finances. He emphasizes the need for individuals to be aware of their financial situations and to seek professional help when necessary to ensure a secure retirement.
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In this conversation, Kevin discusses the importance of guaranteed income strategies for retirement, emphasizing the need for financial security amidst market volatility and inflation. He highlights the role of annuities in providing a steady cash flow, the significance of proactive financial planning, and the necessity of preparing for longevity in retirement. The discussion also touches on the independence of Madden Wealth Advisors in offering tailored financial solutions to clients.
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In this conversation, Kevin discusses the evolving landscape of retirement planning, emphasizing the importance of diversification and understanding modern asset allocation strategies. He highlights the complexities of retirement today compared to previous generations, the necessity of personalized financial planning, and the significance of adopting good financial habits. Madden also stresses the importance of planning for longevity and the value of professional guidance in achieving a successful retirement.
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In this conversation, Kevin discusses the importance of evolving retirement plans in a rapidly changing technological world. He emphasizes the need for continuous communication with clients, the benefits of annuities, the significance of cash flow in retirement, and the necessity of planning for long-term care. Additionally, he addresses the hidden fees in 401(k) plans and the options available for retirees to ensure financial security and a fulfilling retirement life.
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In this conversation, Kevin discusses the evolving landscape of retirement planning, emphasizing the importance of guaranteed income strategies due to increased life expectancy and market volatility. He highlights the need for individuals to create their own income sources, akin to personal pension plans, and addresses the issue of 'dead money'—funds that are not actively working for retirees. The discussion also covers the significance of having a comprehensive retirement roadmap to avoid financial pitfalls and make informed decisions about big purchases in retirement. Ultimately, Kevin stresses the value of personalized financial planning and the importance of understanding one's financial landscape to ensure a comfortable retirement.
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In this conversation, Kevin discusses the importance of guaranteed income strategies for retirement, emphasizing the need for financial security amidst market volatility and inflation. He explains how annuities can provide a reliable cash flow, the significance of customized retirement plans, and the necessity of proactive financial planning to ensure a comfortable retirement. The discussion highlights the benefits of starting retirement planning early and the role of fiduciaries in securing the best financial products for clients.
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In this episode of Your Retirement Radio Podcast, Kevin explores the economic impact of tariffs, the challenges of inflation, and the sustainability of Social Security. It emphasizes the importance of diverse income sources for retirement and discusses the role of annuities in financial planning. The host encourages listeners to reassess their retirement strategies in light of current economic uncertainties.
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In this episode of Your Retirement Radio Podcast, Kevin delves into the complexities of retirement planning, focusing on the average retirement age, the realities of social security, the importance of home modifications for aging, and the necessity of preparing for unexpected events. The discussion emphasizes the need for a comprehensive retirement roadmap that addresses financial stability, lifestyle choices, and the psychological aspects of retirement.
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In this episode of Your Retirement Radio, Kevin Madden discusses the importance of understanding your 401K holdings, the necessity of diversification, and common financial mistakes people make regarding their retirement plans. He emphasizes the critical need for estate planning and the benefits of annuities in today's market, encouraging listeners to take action for their financial future.
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In this episode of Your Retirement Radio, Kevin Madden discusses the current economic landscape, the importance of having a sound retirement plan, and the intricacies of Social Security benefits. He emphasizes the need for income generation in retirement and the risks associated with market volatility. The conversation also touches on the evolution of retirement planning, particularly the shift from pensions to 401k plans, and the challenges retirees face in managing their finances effectively.
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In this conversation, Kevin discusses the complexities of retirement planning, emphasizing the importance of understanding individual financial needs and creating a personalized retirement roadmap. He highlights that there is no one-size-fits-all answer to how much money one needs to retire, as it varies based on personal circumstances and spending habits. The discussion covers various strategies for replacing income in retirement, the significance of cash flow, key ages for retirement planning, and the role of annuities in securing guaranteed income. Madden also addresses the evolving landscape of retirement, moving away from traditional pension plans to more individualized strategies.
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In this conversation, Kevin shares his journey into the financial services industry, emphasizing his passion for helping clients achieve their retirement goals. He discusses the importance of understanding retirement planning, addressing common concerns such as whether clients can afford to retire and how to avoid running out of money. Kevin highlights the significance of customized retirement plans tailored to individual needs and the hidden fees that can impact retirement savings. The discussion underscores the value of building relationships with clients and ensuring they understand their financial plans.
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In this episode of Your Retirement Radio, Kevin discusses the current market volatility and its impact on retirement planning. He emphasizes the importance of having a diversified portfolio and a solid financial plan to navigate uncertain economic conditions. The conversation also covers the role of annuities in providing guaranteed income during retirement, debunks common retirement myths, and highlights the need for a sustainable retirement strategy. Kevin shares insights on how to create a financial roadmap that aligns with individual retirement goals, ensuring financial security and peace of mind.
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Kevin discusses the importance of preparing for retirement, especially in light of potential layoffs and company changes. He emphasizes the need for individuals to understand their financial situation, including retirement income sources and the significance of having a well-organized financial plan. The discussion also covers strategies for ensuring a steady income during retirement, the role of pensions, and the necessity of having a diversified investment approach to mitigate risks associated with market fluctuations.
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In this episode Kevin discusses the complexities of retirement planning in light of political changes, particularly focusing on Social Security, the importance of communication with financial advisors, and the concept of micro retirement. He emphasizes the need for a comprehensive financial plan that considers various income sources and strategies, while also addressing the emotional aspects of transitioning into retirement. The conversation highlights the differences between DIY retirement planning and professional guidance, advocating for a proactive approach to financial readiness.
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In this conversation, Kevin discusses the current concerns of clients regarding market volatility and the importance of having a solid retirement plan. He emphasizes the need for tax-efficient strategies, such as converting IRAs to Roth IRAs, and the significance of customizing retirement plans to meet individual needs. The discussion also highlights the balance between guaranteed income and market investments, aiming for a holistic approach to financial planning.
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In this conversation, Kevin discusses the importance of setting financial goals for retirement in 2025, addressing market volatility, the role of annuities in providing guaranteed income, and the need for a diversified retirement plan. He emphasizes understanding risk tolerance, especially for baby boomers facing a retirement crisis, and the impact of inflation on financial planning. The discussion also touches on finding purpose in retirement and the importance of proactive planning to ensure a comfortable lifestyle.
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In this episode of Your Retirement Radio, Kevin Madden discusses essential strategies for retirement planning, focusing on the importance of an end-of-year financial checklist, market predictions, and the creation of guaranteed income streams. He emphasizes the need for a solid financial plan to navigate the complexities of retirement, manage risks, and ensure a comfortable lifestyle. The conversation also highlights the significance of understanding personal financial goals and the value of working with a knowledgeable financial advisor.
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In this episode of Your Retirement Radio, Kevin discusses essential end-of-year checklist items for retirement planning, including updating beneficiaries and taking required minimum distributions (RMDs). He emphasizes the importance of Roth conversions and tax strategies to secure a better financial future. Kevin shares insights on the value of independent financial planning and how it can lead to more personalized and effective retirement strategies.
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Kevin discusses the current market outlook following the recent election, emphasizing the potential for continued growth due to anticipated tax cuts and deregulation. They explore various retirement planning strategies, including the importance of diversification and guaranteed income sources, especially in light of market volatility.
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In this episode Kevin discusses the evolution of retirement income sources, emphasizing the shift from traditional pensions to personal pensions. He highlights the importance of guaranteed income in retirement, tax planning strategies to avoid higher tax brackets, and the necessity of early retirement planning. The conversation stresses the significance of proactive financial planning to ensure a secure and enjoyable retirement, especially in the context of increasing life expectancies.
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In this episode, Kevin discusses the pressing issue of the national debt and its implications for taxpayers. He emphasizes the necessity of having a solid financial plan for retirement, particularly in light of current economic challenges such as inflation and high interest rates. The conversation covers various strategies for ensuring guaranteed income during retirement, the importance of early planning, and the need to adapt withdrawal strategies to meet individual financial goals.
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In this conversation, Kevin discusses the complexities of retirement planning, focusing on withdrawal strategies, the importance of guaranteed income, and the role of Social Security. He emphasizes the need for a comprehensive financial plan that accounts for market volatility and inflation, while also addressing the costs associated with achieving the American dream. The discussion highlights the significance of planning early and revisiting retirement savings to ensure financial security in retirement.
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In this episode, Kevin discusses the importance of understanding market trends and investment strategies, emphasizing the need for a solid financial plan to navigate retirement successfully. He highlights the significance of creating a diversified income strategy, staying informed about changing regulations, and customizing retirement plans to meet individual needs. The conversation stresses the urgency of taking action towards retirement security and the risks of procrastination.
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Kevin discusses the importance of end-of-year financial planning, particularly focusing on required minimum distributions (RMDs) and strategic withdrawals from retirement accounts. He emphasizes the need for a personalized retirement roadmap to ensure financial security and confidence in retirement. The discussion also touches on the significance of estate planning and how to ensure heirs can access assets. Overall, the conversation highlights the necessity of having a clear financial plan to navigate retirement successfully.
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In this episode, Kevin discusses the current economic landscape, focusing on interest rates, market psychology, and the importance of having a solid retirement plan. He emphasizes the need for clients to remain calm amidst economic uncertainty and highlights strategies for maximizing retirement income through annuities. The conversation also touches on the historical significance of October in the financial calendar and the necessity of data-driven decision-making in retirement planning. Kevin encourages listeners to seek professional advice to ensure their financial strategies align with their retirement goals.
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Kevin discusses the significance of guaranteed income in retirement planning, emphasizing the need for financial security amidst market volatility and economic uncertainties. He explains the role of annuities in creating a reliable cash flow and highlights the importance of customizing retirement plans to individual needs. The discussion also covers risk management strategies and the value of having a strong support team in achieving financial goals.
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In this conversation, Kevin discusses the importance of guaranteed income sources for retirement planning, emphasizing the need for financial security and the necessity of couples being on the same page regarding their financial strategies. He highlights his unique approach to retirement planning, which combines education and personalized strategies to ensure clients feel confident about their financial future.
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Kevin discuses the need to understand and manage the risk in one's portfolio. The conversation also touches on the impact of the upcoming presidential election on the market and advises against making investment decisions based on political promises. The importance of guaranteed retirement income and strategies to mitigate the effects of inflation are also discussed.
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In this conversation, Kevin discusses the current state of the market and the need for a defensive posture. He recommends investing in fixed annuities and income annuities to protect against market volatility and ensure a guaranteed income in retirement. Kevin also emphasizes the importance of diversification and using multiple strategies to generate cash flow.
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Annuities can be beneficial for those who need more income, want guaranteed income, or seek peace of mind. They provide a higher guaranteed payout and protect against market fluctuations. It is important to have a financial plan that considers guaranteed income sources, portfolio growth, and protection. Retiring early can be challenging due to healthcare costs and inflation. The decision to claim Social Security benefits depends on individual circumstances, such as health, marital status, and financial needs. It is crucial to have a well-diversified portfolio and a retirement plan that considers market corrections.
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Episode Takeaways:
- Having market protection in place is key for retirement planning.
- Annuities can provide guaranteed income but should not make up 100% of one's assets.
- Social Security optimization involves considering factors such as health, hereditary, and personal financial needs.
- Working with a trusted advisor and having a comprehensive financial plan can provide peace of mind in retirement.
- The decision to retire involves considering financial needs, lifestyle adjustments, and the transition into a new phase of life.
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- High interest rates can be advantageous for retirement planning, particularly for fixed annuities that offer higher rates of return.
- Exploring strategies to increase guaranteed income can provide a more secure retirement.
- Diversification is key in retirement planning, both in terms of investments and the tools used to achieve financial goals.
- Controlling fees is important to maximize returns and ensure a comfortable retirement.
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The conversation discusses the current state of the stock market and the potential impact of the upcoming election. It emphasizes the importance of diversifying investments and considering safe, fixed-rate options. The use of target date funds and the potential benefits of annuities are also explored. The conversation touches on the role of interest rates and the importance of tax planning in retirement.
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The conversation discusses the impact of the Dow Jones industrial average surpassing the 40,000 barrier on someone's 401k. It emphasizes the importance of being smart about where money is invested and diversifying income sources. The conversation also touches on the decision of when to take Social Security and the benefits of deferring it.
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In today's episode, we debunk the age-old Wall Street adage, "Sell in May and go away." Is it still relevant in today’s market? Kevin dives deep into why trying to time the market can often lead to missed opportunities and how a well-diversified portfolio is the key to consistent, long-term growth.
We also explore the importance of tax-efficient retirement planning and the advantages of products that minimize volatility, such as fixed annuities. Learn how proactive tax strategies can protect your retirement savings and ensure you keep more of what you’ve earned.
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Joined by Investopedia editor Caleb Silver, Kevin highlights the importance of income planning, the benefits of guaranteed income, and the impact of inflation on your retirement portfolio. Learn about effective income replacement strategies and why consulting a fiduciary advisor can significantly enhance your financial outcomes.
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The conversation discusses the challenges of retiring early and the importance of planning for a longer retirement. It emphasizes the need to consider factors like longevity, healthcare costs, and long-term care. The conversation also explores the risks and benefits of investing in the stock market and the role of guaranteed income strategies, such as annuities, in retirement planning. The importance of having a comprehensive retirement roadmap and evaluating different strategies is highlighted.
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Kevin Madden shares his journey into the financial services world and his passion for helping people achieve their retirement goals. He emphasizes the importance of being an independent advisor and having the flexibility to use the best products in the market. Madden discusses the satisfaction he derives from seeing his clients retire comfortably and achieve their financial dreams. He also highlights the need for personalized retirement planning and the importance of understanding fees and optimizing investment strategies. Madden concludes by debunking the idea of a 'magic number' for retirement savings and emphasizes the need for individualized plans.
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With nearly one-third of Americans having nothing saved for retirement and 40% not contributing to any retirement fund, Kevin and his guests explore the root causes and actionable solutions to bridge the financial literacy gap.
Discover expert insights into building a robust financial plan, understanding the importance of balancing immediate financial needs with long-term savings goals, and leveraging various tools to create a secure retirement income stream. From optimizing Social Security benefits to navigating the complexities of annuities, Kevin provides valuable guidance and practical advice aimed at empowering listeners to make informed decisions for a stress-free retirement journey.
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Are you nearing retirement and worried about running out of money? This episode of the Retirement Radio with Kevin Madden discusses the importance of guaranteed income streams in your retirement plan. Learn how to avoid the dangers of delaying retirement and discover strategies for creating a safe and secure income stream for your golden years. Kevin also sheds light on common obstacles that can threaten your retirement security and provides solutions to help you weather any storm.
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In a dynamic conversation with his guest, Kevin discusses the shift from pensions to 401Ks, highlighting concerns about market volatility and the desire for reliable income streams. Discover how guaranteed strategies offer peace of mind and longevity in retirement, shielding individuals from market fluctuations and providing consistent cash flow. Gain valuable insights into managing risk, optimizing portfolios, and securing your financial future.
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In this episode, Kevin sheds light on common misconceptions surrounding tax obligations and shares insights on optimizing retirement income through strategic tax planning. From avoiding penalties to maximizing savings, Kevin provides actionable advice to help listeners navigate the complexities of tax season and secure their financial future.
Discover why annuities have garnered mixed perceptions and learn how they can serve as a valuable tool in retirement planning. With expert analysis and real-life examples, Kevin addresses concerns about annuity products and highlights their potential to provide guaranteed income streams. Gain clarity on selecting the right annuity solutions tailored to your retirement goals and uncover the benefits of incorporating them into your financial strategy.
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Explore practical strategies to safeguard your retirement savings, including the importance of playing defense in high-market conditions and uncovering hidden fees that may erode your portfolio's value over time. Gain valuable tips on optimizing your investment strategy and understanding the true implications of your financial decisions.
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In today's episode, Kevin dissects the infamous 4% rule and its applicability to diverse financial situations. While the rule provides a framework, Kevin emphasizes the need for personalized strategies tailored to individual circumstances, considering market dynamics and investment aggressiveness.
Moreover, we explore the recent buzz surrounding Jeff Bezos' relocation to Florida for tax advantages, unraveling the complexities of tax planning for retirees. Discover how strategic tax maneuvers can safeguard your wealth and maximize legacy potential, shedding light on conversions, estate planning, and more.
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Kevin debunks the myth of trading on financial news and explores the wisdom of long-term investment planning. Drawing insights from Jordan Belfort's views on market unpredictability, Kevin emphasizes the importance of a diversified portfolio and strategic risk management.
Then, Kevin delves into the untapped potential of annuities within 401(k) plans. Despite initial skepticism, Kevin sheds light on the transformative impact of well-chosen annuities on retirement income stability. With real-life examples and expert analysis, Kevin guides listeners through the complexities of annuity selection, showcasing how strategic implementation can significantly enhance retirement security.
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In this episode we delve into IBM's innovative approach to 401Ks and the challenges of securing reliable income streams in retirement. Morningstar's John Rickenbaugh breaks down IBM's groundbreaking retirement benefit account, offering insights into its guaranteed rate of return and how it differs from traditional 401Ks. Kevin explores the importance of guaranteed income in retirement planning and discuss strategies to mitigate financial risks, including long-term care and disability. Discover how IBM's strategy aligns with the quest for financial security in retirement and learn actionable insights to enhance your retirement plan.
Call Kevin today for your 401K X-Ray!
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With a staggering number of retirees facing unexpected challenges, Kevin sheds light on the importance of having a solid financial plan in place. Discover why merely hoping for a smooth transition into retirement isn't enough and why a proactive approach is necessary.
Furthermore, explore the realities of 401K investments exposed by a renowned financial planner. Uncover common pitfalls within 401K plans and discover alternative investment avenues that could potentially offer superior returns.
Call Kevin today for your Complimentary Financial Review!
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In this episode, Kevin also draws parallels between baseball legend Babe Ruth's savvy financial move of purchasing an annuity before the Great Depression and the importance of guaranteed income streams in retirement planning today. Gain valuable insights into annuities as a potential solution for securing lifelong income and reducing financial stress in retirement.
Call Kevin today for your Complimentary Retirement Roadmap!
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Join Kevin and Jess as they discuss the parallels between automated driving technologies and the tendency to put retirement funds on autopilot. With the market's volatility in mind, they explore the importance of reevaluating investment strategies and adjusting risk levels as one approaches retirement age. Discover actionable insights on portfolio management and risk mitigation to ensure financial stability in the face of market fluctuations.
If you want to create your very own custom income plan, call Kevin today!
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In this episode, discover insights from investment giants like Goldman Sachs and JP Morgan, indicating the need for active management in 2024. The conversation explores the challenges of relying solely on market returns and the potential pitfalls of the 4% rule withdrawal rate.
For a personalized analysis of your current financial position and risk assessment, call Madden Wealth Advisors at 610-553-6953.
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In this episode we discuss the implications of the Trump tax cuts set to expire next year and the potential impact on individual tax rates, standard deductions, and estate tax exemptions. Kevin also discusses proactive tax strategies, including the conversion of IRAs to Roths, to safeguard your wealth in the face of changing laws.
Whether you're nearing retirement or planning for the future, this episode provides valuable insights into maximizing your financial potential. Don't miss out on creating a robust retirement plan that stands the test of time. Tune in now and start your journey towards financial security.
For more information and personalized financial advice, visit MaddenWealth.com.
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Is the rising cost of living eating away at your retirement dreams? You're not alone. In this episode Kevin tackles the burning question: can you maintain your standard of living in retirement with inflation soaring?
Uncover the truth behind common retirement myths:
- Myth: Social Security is enough to cover your expenses.
- Fact: While Social Security provides a crucial foundation, it's rarely enough to maintain your pre-retirement lifestyle.
- Myth: You can always count on a fixed income in retirement.
- Fact: Inflation can erode the purchasing power of your fixed income over time.
Learn strategies to combat inflation and secure your financial future:
- Discover income options beyond Social Security and pensions.
- Explore tax-efficient ways to access your retirement savings.
- Develop a personalized plan to maintain your purchasing power through retirement.
Don't let inflation dampen your retirement dreams - Call Kevin Today!
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Despite the urgency of the times, only 40% of GenXers are working with financial advisors. Kevin sheds light on the reasons behind this disconnect and emphasizes the significant advantages of collaborating with an advisor, citing a proven 3% or more average return.
In a world where DIY approaches are prevalent, Kevin underscores the importance of professional guidance and the potential pitfalls of relying solely on market performance. Uncover the secrets of building a resilient retirement plan, diversifying income streams, and mitigating risks. Whether you're a GenXer contemplating retirement or seeking to optimize your financial strategy, this episode provides valuable insights and actionable advice.
For a personalized consultation with Kevin, call today!
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This episode explores various income-generating strategies, from guaranteed income products to dividend-paying stocks and bond yields. Kevin breaks down the importance of analyzing your current financial plan, offering a real-life example of how a personalized portfolio analysis can make a significant difference.
Discover why it's crucial to focus not just on accumulating wealth but also on developing a comprehensive income strategy post-retirement. Kevin and his guests delve into the inefficiencies that often arise after leaving a 401K and discuss practical approaches to secure your financial future.
Learn about the concept of "spending down" your money and why it's essential to have a well-thought-out income plan. Kevin emphasizes the significance of cash flow, citing examples of individuals with pension plans who enjoy steady income without stressing about market fluctuations.
Call Kevin today for your complimentary Income Plan Review!
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In this episode, Kevin delves into the complexities of market predictions for 2024 and 2025. Portfolio manager Adam Hetz, featured on CNBC, highlights the impact of the historic spike in interest rates and urges investors to err on the side of caution. In this episode, Kevin discusses the importance of staying invested while adopting a defensive stance through high-quality equities and investment-grade fixed income.
The episode emphasizes the importance of securing guaranteed rates and explores fixed annuities as a viable option for those looking to preserve wealth without unnecessary risks. Kevin illustrates the significance of securing income streams in retirement and offers insights into cash flow management for a worry-free retirement.
For more information on defensive investment strategies and fixed income alternatives, visit MaddenWealth.com.
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Do you need to be wealthy to retire? Kevin discusses the surprising findings of a recent survey that reveals only 8% of Americans with at least one million dollars consider themselves wealthy. Is there a magic number for feeling rich, and does it guarantee a comfortable retirement?
Discover whether having a million dollars in assets truly makes you rich and the nuances between being wealthy and being considered rich. Kevin offers valuable advice for those planning their retirement, emphasizing the significance of honest financial planning and the potential pitfalls of relying solely on market performance.
Whether you're a millionaire or aspiring to be, this episode provides valuable insights into the journey to a fulfilling retirement.
For more financial wisdom and personalized retirement advice, visit MaddenWealth.com.
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In this episode we delve into the recent recommendation from renowned financial talk show host Dave Ramsey. Ramsey suggests retirees invest their entire portfolio in the market and withdraw 8% annually. However, Kevin uncovers the flaws in Ramsey's math, shedding light on the potential pitfalls of this strategy.
Another financial expert Jared Morrow breaks down the unrealistic expectation of a consistent 12% return, emphasizing the dangers during periods of market downturns. The conversation expands to the risky nature of an 8% withdrawal rate, pointing out the potential depletion of principal balances in less than 30 years.
Discover the alternatives to Ramsey's approach, as Kevin emphasizes the significance of diversification and incorporating alternative strategies to ensure a more stable and stress-free retirement. Learn why the market may not be the ideal income plan and explore ways to achieve consistent income without solely depending on market returns.
For more insights into securing your retirement and making informed financial decisions, tune in to this eye-opening episode. Kevin Madden provides expert advice and valuable tips to navigate the complexities of retirement planning, ensuring peace of mind in your golden years.
Visit MaddenWealth.com for additional resources and personalized guidance on your retirement journey.
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What are the parallels between first dates and retirement planning red flags? From memorable first dates, including a surprise football game invitation, Kevin shares personal anecdotes that lead to discussing the importance of avoiding financial first date fumbles in retirement. Kevin identifies the top red flags he encounters, such as the absence of a comprehensive financial plan, and emphasizes the need for a roadmap to navigate the retirement journey successfully. Discover why having a solid financial plan is the ultimate home run for a secure and stress-free retirement. Tune in to learn more about dodging financial red flags and ensuring your retirement plan is a lasting love story.
Call Kevin today for your Complimentary Customized Retirement Roadmap!
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A recent survey revealed that 45% of investors believe political outcomes carry more weight than market returns. Host Jess raises crucial questions about how clients factor politics into their investment decisions.
Kevin shares insights on how political concerns may lead some individuals to stay on the investment sidelines, missing out on market rallies. However, Madden emphasizes the importance of a long-term retirement plan that extends beyond political cycles. Whether facing good or bad markets, presidents, or economic conditions, a well-balanced strategy is essential for weathering any financial storm.
The conversation touches on key factors like inflation, market volatility, and economic uncertainties. Kevin outlines the role of guaranteed income sources and prudent money management in achieving a secure retirement. He stresses the necessity of having a written plan, not just vague notions, and discusses the detailed retirement road map he creates for clients.
Get Your Complimentary Retirement Roadmap! Your roadmap will include:
- A retirement income strategy
- A test to see how long your money will last
- A tax-planning strategy
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Did you know that an estimated 1/4 of 401K assets, totaling a staggering $165 trillion, go lost and forgotten when individuals leave their jobs? In this episode, Kevin and his guests explore the reasons behind this phenomenon and discuss the steps you can take to uncover potential hidden treasures in your retirement accounts.
Worried that you might have left thousands of dollars behind? Kevin provides practical tips on how to navigate state databases, check your employment history, and ensure you haven't overlooked valuable assets. Learn how a little effort today can lead to significant financial benefits in the future.
Don't miss out on the opportunity to unlock hidden wealth! Tune in now to learn how you can take control of your retirement finances. Visit MaddenWealth.com for more information.
Get Your Complimentary Retirement Roadmap! Your roadmap will include:
- A retirement income strategy
- A test to see how long your money will last
- A tax-planning strategy
Listen to “Your Retirement Radio” podcast anytime on Apple or Spotify!
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Will Social Security go broke? IF it does, how will it impact your retirement plan? Unravel the myths and uncertainties surrounding Social Security's future, with insights into the potential changes and their effects on benefits. Discover the strategic considerations for optimizing your Social Security payments, including when to start, defer, or plan for alternative scenarios. Kevin emphasizes the importance of incorporating Social Security decisions into your overall financial roadmap, ensuring a guaranteed lifetime income. Call Kevin TODAYto navigate the complexities of Social Security and make informed decisions for a prosperous retirement!
Get Your Complimentary Retirement Roadmap! Your roadmap will include:
- A retirement income strategy
- A test to see how long your money will last
- A tax-planning strategy
Listen to “Your Retirement Radio” podcast anytime on Apple or Spotify!
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Join us as we discuss the recent changes in iBond interest rates, their long-term benefits, and whether it's time to cash in. Kevin shares insights on fixed annuities that offer guaranteed returns and explains why they might be a compelling option for securing your financial future. Discover how these investment tools can help you make informed decisions and enhance your retirement strategy. Don't miss out on this valuable advice to ensure your retirement is financially secure.
Get Your Complimentary Retirement Roadmap! Your roadmap will include:
- A retirement income strategy
- A test to see how long your money will last
- A tax-planning strategy
Listen to “Your Retirement Radio” podcast anytime on Apple or Spotify!
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As Wall Street gears up to report on the third-quarter performance of companies, we discuss the potential market volatility and how to navigate it.
Discover valuable insights from financial experts, including Jason Katz of UBS, who shares his optimism amid this earnings season. Gain a deeper understanding of why this earnings period is projected to be the first positive one in a while, with a potential 12% earnings growth on the horizon.
Kevin Madden emphasizes the importance of not panicking in the face of volatility, instead suggesting a strategy of repurposing within the market. As life expectancies increase, learn why planning for a 25 to 30-year retirement is becoming the norm and how having a robust financial plan can make all the difference.
We also explore the evolving landscape of annuities and how higher interest rates are creating opportunities for retirees. Kevin explains how you can trade older annuity contracts for newer ones, offering higher returns and additional benefits such as ADL doubler payouts.
If you're looking for expert guidance on retirement planning and ensuring your financial stability, now is the time to tune in. Don't miss the chance to secure your financial future and make the most out of earnings season.
Get Your Complimentary Retirement Roadmap! Your roadmap will include:
- A retirement income strategy
- A test to see how long your money will last
- A tax-planning strategy
Listen to “Your Retirement Radio” podcast anytime on Apple or Spotify!
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Many of us eagerly anticipate retirement, envisioning the freedom to pursue our hobbies and passions. However, not all transitions to retirement are smooth, and some individuals find themselves grappling with financial stress and boredom. Is there an alternative to traditional retirement, a way to stay engaged and fulfilled?
Our discussion uncovers the concept of partial retirement, where individuals return to the workforce by choice, seeking personal fulfillment and interactions rather than necessity. We hear from experts and delve into the importance of educating the younger generation on financial responsibility, especially when making choices that could impact their future.
Join us as we explore the future of retirement planning and the critical conversations that can help you prepare for a fulfilling retirement. If you're eager to map out your retirement journey, get in touch with Kevin for a personalized Retirement Road Map. Don't let your concerns haunt you in the future; address them today.
Get Your Complimentary Retirement Roadmap! Your roadmap will include:
- A retirement income strategy
- A test to see how long your money will last
- A tax-planning strategy
Listen to “Your Retirement Radio” podcast anytime on Apple or Spotify!
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Volatility in the stock market and record-high interest rates are dominating the headlines, but what opportunities do these conditions bring for your retirement savings?
Learn how you can enhance your financial portfolio by making the most of these elevated rates. Discover strategies to balance safety and risk in your investment approach.
Kevin addresses the importance of conducting regular portfolio reviews. When should you do a deep dive and revamp your investment strategy? Find out how often you should meet with your advisor, why it's essential, and how it can ensure you stay on track towards your financial goals.
Get Your Complimentary Retirement Roadmap! Your roadmap will include:
- A retirement income strategy
- A test to see how long your money will last
- A tax-planning strategy
Listen to “Your Retirement Radio” podcast anytime on Apple or Spotify!
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Are you aware that for the first time in 22 years, cash is outperforming the S&P 500 in terms of returns? If you've been stashing cash under your mattress, you might be surprised to learn that you're ahead of the game. Yahoo Finance's Jared Blick Reese discusses how a staggering $925 billion has flowed into money markets this year alone. The landscape of investing has shifted, and the calculus is different but, Kevin can help you navigate these changes successfully!
Annuities are more popular than ever right now - wanna guess why? Kevin explains how fixed annuities are offering a guaranteed 6% return over several years with zero risk and no fees. Imagine securing your financial future with a predictable income stream. They also address the question of how long this opportunity will last and strategies to make the most of it.
If you're interested in exploring money market opportunities, maximizing returns through fixed annuities, or want to better understand the tax landscape of retirement, call Kevin TODAY and take control of your financial future and secure a comfortable retirement.
#retirement #financialplanner #financialliteracy #wealth #fyp #podcast #taxes #income
Get Your Complimentary Retirement Roadmap! Your roadmap will include:
- A retirement income strategy
- A test to see how long your money will last
- A tax-planning strategy
Listen to “Your Retirement Radio” podcast anytime on Apple or Spotify!
💬 Engage, Share, and Learn even more with Kevin at Madden Wealth Advisors:
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In the age of autopay, many of us have become accustomed to having our bills paid automatically. It's convenient, right? Well, maybe not always. A recent survey by Chase Bank revealed that people often forget what bills are being paid, including for services they no longer use. It's akin to paying for a streaming service you never watch.
But here's the real kicker – hidden fees aren't limited to your monthly subscriptions; they can lurk in your retirement accounts too. Whether it's your 401(k) or IRA, these financial fees can erode your hard-earned money without you even realizing it. Kevin shares how some 401(k) plans come with internal fees that could be eating away at your retirement savings. He also highlights the importance of being aware of these fees, especially if you're over 59 1/2 and have the opportunity to self-administer your IRA.
So, if you're wondering whether you're paying too much in hidden fees, tune in for this eye-opening episode. Kevin Madden provides insights and strategies for optimizing your retirement accounts, minimizing fees, and ensuring your financial future is on the right track.
Don't let hidden fees eat away at your retirement dreams. Take control of your finances, and reach out to Kevin Madden.
#retirement #financialplanner #financialliteracy #wealth #fyp #podcast #taxes #income
Get Your Complimentary Retirement Roadmap!
Your roadmap will include:
- A retirement income strategy
- A test to see how long your money will last
- A tax-planning strategy
Listen to “Your Retirement Radio” podcast anytime on Apple or Spotify!
💬 Engage, Share, and Learn even more with Kevin at Madden Wealth Advisors:
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The episode kicks off by addressing common misconceptions about annuities, emphasizing that they aren't magical instruments but rather strategic financial tools. Kevin tackles the question of why individuals would choose to invest in annuities rather than managing their investments themselves, highlighting the role of annuities as a form of longevity insurance that provides guaranteed income for life.
Furthermore, you'll discover how fixed annuities, akin to CDs, are offering remarkably high interest rates in the current market, providing an attractive option for those seeking a secure, income-generating strategy. Kevin illustrates how individuals can benefit from these fixed annuities, showcasing real-life cases where they significantly increased income without taking on additional risk.
#retirement #financialplanner #financialliteracy #wealth #fyp #podcast #taxes #income
Get Your Complimentary Retirement Roadmap!
Your roadmap will include:
- A retirement income strategy
- A test to see how long your money will last
- A tax-planning strategy
Listen to “Your Retirement Radio” podcast anytime on Apple or Spotify!
💬 Engage, Share, and Learn even more with Kevin at Madden Wealth Advisors:
See omnystudio.com/listener for privacy information.
In this episode, Kevin delves into the complex world of pension decisions, addressing the concerns of a 60-year-old listener who is pondering retirement. Kevin offers insights into the options available for individuals with pensions and provides valuable advice on how to maximize retirement income while considering factors like leaving a legacy.
Whether you're considering pension choices or seeking inspiration for a vibrant retirement, this episode has something for everyone. Join us as we navigate the intricacies of retirement planning and discover the keys to living life to the fullest.
#retirement #financialplanner #financialliteracy #wealth #fyp #podcast #taxes #income
Get Your Complimentary Retirement Roadmap!
Your roadmap will include:
- A retirement income strategy
- A test to see how long your money will last
- A tax-planning strategy
Listen to “Your Retirement Radio” podcast anytime on Apple or Spotify!
💬 Engage, Share, and Learn even more with Kevin at Madden Wealth Advisors:
See omnystudio.com/listener for privacy information.
Today, we tackle a question that looms large in the minds of many pre-retirees: What should you do with your 401(k) when retirement is on the horizon? It's a question that deserves careful consideration, and Kevin shares his expertise on the matter.
Kevin starts by addressing a recent Vanguard study, which found that 30% of people cash out their 401(k) plans at age 50 or later. Is this a good idea or a bad one? Kevin's take is clear: it's generally better to roll your 401(k) into an IRA as you approach retirement. This strategy allows you to continue deferring taxes and opens up a world of investment opportunities beyond what's typically available in 401(k) plans.
He highlights the concept of an "in-service distribution," which is a little-known option in some 401(k) plans that lets you move your money out while still employed, giving you access to a broader spectrum of investment strategies. From annuity contracts to individual stocks, this flexibility can be a game-changer for your retirement portfolio.
#retirement #financialplanner #financialliteracy #wealth #fyp #podcast #taxes #income
Get Your Complimentary Retirement Roadmap!
Your roadmap will include:
- A retirement income strategy
- A test to see how long your money will last
- A tax-planning strategy
Listen to “Your Retirement Radio” podcast anytime on Apple or Spotify!
💬 Engage, Share, and Learn even more with Kevin at Madden Wealth Advisors:
In this episode of the Your Retirement Radio Show, Kevin discusses the new rule that will require high-income earners to put their catch-up contributions into a Roth 401(k) starting in 2023. He also talks about the benefits of Roth 401(k)s and how they can help you save for retirement.
Kevin shares the story of a client who was able to save thousands of dollars in taxes by contributing to a Roth 401(k). He also discusses the importance of working with a financial advisor to make sure you are taking advantage of all the retirement savings options available to you.
If you are a high-income earner, this episode is a must-listen. Kevin provides valuable insights that can help you make the most of your 401(k) and save for a secure retirement.
#retirement #financialplanner #financialliteracy #wealth #fyp #podcast #taxes #income
Get Your Complimentary Retirement Roadmap!
Your roadmap will include:
- A retirement income strategy
- A test to see how long your money will last
- A tax-planning strategy
Listen to “Your Retirement Radio” podcast anytime on Apple or Spotify!
💬 Engage, Share, and Learn even more with Kevin at Madden Wealth Advisors:
On todays episode, Kevin discusses the pros and cons of waiting to start collecting Social Security benefits. He explains how delaying benefits can lead to a higher monthly payout, but it's important to consider your individual circumstances before making a decision.
Kevin also talks about the importance of having a financial plan in place, and how Social Security can be a part of that plan. He shares some tips for talking to your spouse about your finances, and how to deal with unexpected financial windfalls.
If you're approaching retirement, or if you're just starting to think about your financial future, this episode is for you. Listen to learn more about when to start collecting Social Security and how to make the most of your benefits.
#retirement #financialplanner #financialliteracy #wealth #fyp #podcast #taxes #income
Get Your Complimentary Retirement Roadmap! Your roadmap will include:
- A retirement income strategy
- A test to see how long your money will last
- A tax-planning strategy
Listen to “Your Retirement Radio” podcast anytime on Apple or Spotify!
💬 Engage, Share, and Learn even more with Kevin at Madden Wealth Advisors:
Kevin and his team dive deep into two crucial topics: headlines that can often send mixed signals about retirement savings and the Roth IRA as an ideal tool for tax planning. Kevin shares his insights on how to assess if you're on track for retirement and highlights the importance of personalized planning tailored to individual needs and circumstances.
The episode further explores the power of Roth IRAs for tax planning. Kevin explains how Roth conversions can be utilized to strategically shift funds from traditional IRAs to Roth IRAs, allowing them to grow tax-free and be passed on to heirs without tax implications. By taking advantage of these options, discover how to make the most of your retirement savings while minimizing tax burdens.
Episode Highlights:
- Navigating misleading retirement savings headlines and assessing individual retirement needs.
- A case study of a couple's retirement goals and how portfolio restructuring significantly improved their financial outlook.
- Leveraging Roth IRA strategies for tax planning and ensuring tax-free growth for both the retiree and heirs.
- The importance of proactive retirement planning and the benefits of Madden Wealth Advisors' personalized retirement road map.
Get Your Complimentary Retirement Roadmap! 💬 Engage, Share, and Learn even more with Kevin at Madden Wealth Advisors:
In this episode, Kevin Madden delves into the pressing concerns about the economy's uncertain trajectory. With mixed signals circulating, Kevin highlights a recent interview with economist Stephanie Palm Boy, drawing parallels between the current economic landscape and the 2008 financial crisis.
Amidst the market volatility and economic uncertainty, Kevin emphasizes the importance of a well-balanced and diversified portfolio. With the goal of achieving steady and consistent returns, Kevin discusses strategies to navigate the potential headwinds that retirement planning might face.
#retirement #financialplanner #financialliteracy #wealth #fyp #podcast #economy #recession
Get Your Complimentary Retirement Roadmap! 💬 Engage, Share, and Learn even more with Kevin at Madden Wealth Advisors:
In this episode of Your Retirement Radio with Kevin Madden, we dive into the ever-present discussions around recession fears, soft landings, and the importance of effective financial planning. Join us as we explore Morgan Stanley's Gabriella Santos' take on the possibility of a soft landing amid economic changes and what that could mean for your financial future. We break down the resilience of job data, consumption trends, and the potential impact on retirement plans.
Remember, retirement planning is about the journey, not just the destination. Whether you're concerned about a potential recession or seeking ways to secure your financial future, this episode provides valuable insights into building a resilient retirement strategy. Tune in to learn how to create a plan that withstands economic storms and leads you toward your long-term financial goals.
Get Your Complimentary Retirement Roadmap! 💬 Engage, Share, and Learn even more with Kevin at Madden Wealth Advisors:
Join Kevin Madden and Jessica in this episode of "Your Retirement Radio" as they discuss the importance of fixed income strategies and creating a financial road map for retirement. Gain insights into market conditions, risk assessment, and the benefits of guaranteed income streams. Discover how independent financial advisors like Kevin can help you achieve a secure retirement. Tune in now!
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The Federal Reserve keeps raising interest rates to try and tamp down inflation. The latest hike brings us to 3.25%. Billionaire hedge fund manager Ray Dalio says that if the rate reaches 4.5%, the stock market will sink by 20%. Do you see the Fed backing down over the next few months and if they don’t, how can you help us stop another 20% loss in our accounts?
Get Your Complimentary Retirement Roadmap! Then, according to a recent survey (by OnePoll) Americans only ask for help when starting something new. It found 8% don’t ask for help until it’s too late. And 13% never ask. So, if most admit they need help for something like buying a house, then why aren’t they talking to a financial advisor about retirement?
If you have a traditional IRA or 401(k), you could run into a tax problem. That’s why you hear people converting those funds to an after-tax Roth IRA a little bit at a time before retirement. How easy or difficult is it to do this? At what age should someone consider making the conversion? Kevin explains and gives an example of how he can help you!
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Do you have an income plan as part of your retirement picture? Sounds like a simple question - but the answer may surprise you! Then, are bonds back in favor?
Americans are living longer and there’s always the fear of running out of money in retirement. But one way to safeguard against that is an annuity, which offers a guaranteed income stream for life. So how do annuities “befriend” the so-called enemies of retirement?
Over the last few years, we’ve talked about people putting money in a rising stock market due to “FOMO” - the fear of missing out. We’re now seeing interest rates rise to levels we haven’t seen in 20 years, making fixed income products, like annuities very popular. Kevin explains what an annuity is and how it can be beneficial to your income plan.
If you want a customized Retirement Roadmap where Kevin can help you navigate your way to retirement with income you can't outlive - call him today!
We can argue all day whether a recession is coming. And if it does, some of the experts in a Wall Street Journal poll say developing an alternate income stream is one way to guard against it. How can Kevin help YOU create alternate income that is protected against a volatile market?
The happiest people in retirement are the ones that have that guaranteed income every single month. Charles Barkley is one of the 50 greatest players in NBA history and continues to work today as a host on NBA on TNT earning $10 million a year! (He’s also in talks with CNN to co-host a weekly prime time show with Gayle King.) Worth an estimated $60 million, Barkley says he enjoys spending his time (and hard-earned money) at the casino. Of course, he can afford the chance at winning or losing, but when it comes to our retirement, we can’t afford to gamble, right?
Call Kevin today for your CUSTOM Financial Map... getting you to and through retirement, with growth and protection from the market!
I found an article where the author put retirement savers into three categories: Over funded, underfunded, and constrained investors.
A constrained investor is one who has saved, but they can’t afford to make any mistakes. There’s no wiggle room. The article suggested this formula: Take how much you need per year divided by how much you’ve saved. If that number is more than 3%, you are a constrained investor. Are there any ways to help overcome concerns about income?
Hear how Kevin can help you, no matter why type of investor you are , create income for life!
A new poll (by Retirable) shows many Americans are hoping for the best when it comes to having enough money for retirement. It found 64% of retirees do not feel like they’ve saved enough to get them through, and more than half expect to take on a part-time job to make ends meet. Have you had new clients come in with this attitude, only to find out after running the numbers that working part-time can be a choice, not a necessity?
Call Kevin today for your customized Financial Roadmap!
Massive layoffs in the tech world have been grabbing headlines lately. Companies like Google, Meta and Amazon are letting workers go by the thousands. Just a few years ago, many were looking at finishing their careers with these jobs. If someone is close to retirement – and that ‘forever job’ is becoming less stable – what can they do now to prepare for an unplanned retirement and still get guaranteed income? Hear Kevin talk about the Madden Advantage when you go the first meeting.
Call Kevin today for your complimentary Tax Roadmap!
I ran across a rather shocking statistic. Over 90% of financial advisors do not last three years! The most common reasons they quit are lack of fulfillment, difficulty finding clients and burnout. But you’ve withstood the test of time. What is different about you and your approach that’s lasted 30+ years? Over the next 20 years, about 70 trillion dollars will pass from baby boomers to their heirs. Many boomers worry that if their children know about the money that could be coming their way, it will change their behavior. How often do you see parents bring their children into a financial planning meeting?
Call Kevin today for your complimentary Retirement Roadmap!
You've worked so hard to have the ultimate retirement, do you think you will leave a legacy to your kids/ grandchildren?
Entertainer Marie Osmond is a proud mother – and grandmother – at age 63. But she tells US Weekly that there’s one thing she’s made clear to her adult kids – they won’t be getting an inheritance! Osmond plans to give away most of her fortune to help others. Do you have any clients who have felt the same about leaving money to their children? Also, hear the best way to create and leave a legacy for your family using the best tax efficient tools! The last thing you want to do is leave a great legacy but leave your family members with a big tax bill!
Then, sales of annuities have soared as interest rates go higher, because they yield better returns. But some annuities have a reputation of high fees. Should we be concerned about that when an annuity offers a stream of guaranteed income?
Call Kevin today for a Legacy Checklist and an Annuity Stress Test!
Sales of annuities have soared as interest rates go higher, because they yield better returns. But some annuities have a reputation of high fees. Should we be concerned about that when an annuity offers a stream of guaranteed income?
Is an annuity a fit for you? Call Kevin today for an Annuity Stress test!
For many, planning for retirement is overwhelming and choosing who to trust with your life savings is easily one of the biggest decisions you will ever make. With over three decades of experience hear why you're already at an advantage when you work with Kevin!
Call Kevin today for a Complimentary Consultation!
Sometimes a rocky economy is like a football game. Market volatility, high inflation and the threat of recession can tackle even a good retirement plan and throw it for a huge loss. So, is there a tool that can withstand these threats? Kevin discusses different tools and strategies that help you protect and grow your income.
A recent survey (by GOBanking Rates) shows that many Americans are in desperate need of retirement information. More than half wish they had more education on how to invest. But only 7% said they got their answers from a financial advisor. How would you help someone in this situation? What are their most common questions?
Call Kevin today for a Portfolio Review!
When your teacher gives you a bad grade, that’s not good. But when a professor at the Wharton School of Business says the Federal Reserve is failing, that’s not good. The higher interest rates are hurting our market-based money. Do these rates have any positive side that could help our retirement accounts? Wall Street will tell you that the stock market will average a 7% return over time. But what will it do over the next 20 years of your retirement? Vanguard just released its prediction for the next 10 years and the numbers are much more conservative. They see around 3.5 to 5.5% annually. Will that kind of slower growth sustain the average retirement portfolio, and if not, are there other alternatives?
Call Kevin today for a Portfolio Review - stop losing money!
Americans think they’ll need more money to retire. A new survey (by Northwestern Mutual) shows the new ideal amount is $1.25 million. That’s an increase of 20% over last year. The same poll also found more than a third have not addressed the possibility of outliving their savings. Isn’t that a bigger issue than finding the ideal “number?”
What’s the magic number to retire? A new survey (by Northwestern Mutual) shows Americans now think they need at least $1.25 million to retire comfortably. That’s 20% more than last year. You can thank inflation and volatility in the financial markets as the main reasons why. Have you seen people put off retirement trying to reach a number… and they didn’t have to?
Then, the Morningstar financial website released research that says if someone has saved 1.8 million dollars or more for retirement, an annuity may not offer them much benefit. The thought is that people of great wealth don’t need the additional income. Do you agree? Are there reasons that people would add an annuity for reasons other than income?
Call Kevin today for a customized income plan!
Best-selling financial author Larry McDonald tells Fox Business that he believes the Fed will soon back down on these hikes, and that will give way to a market rebound. How does a 4 to 6% inflation rate change a financial plan for the next five years?
Call Kevin today for your customized Financial Roadmap!
We’ve talked a lot about how the bond market is also having a horrible year. That’s why many investors are seeking ideal bond replacements. Sheryl Moore of WinkIntel.com believes you might consider an annuity. Hear Kevin share his opinion and more.
The newest iPhone has a pretty cool feature called “crash detection.” Just like it sounds, the phone detects various types of car crashes, then automatically calls 911. But some riders of roller coasters are discovering that all the herky-jerky movements are also triggering calls to 911. When you’re analyzing a portfolio, what sets off your ‘crash detector?’
The Wall Street Journal did a feature on four people in retirement. Each had saved between 1 and 2 million dollars. Each spend about 100-thousand dollars a year. You would think they had secured a comfortable retirement, yet there were stories about cutting back on spending due to inflation, taxes, carrying a mortgage, and worries about market losses. The only person who seemed secure was the one with a pension. This seems to show that even people with a very good level of savings are still worried without that component of money coming in every month. If a pension isn’t available, what else can generate guaranteed income?
The debate continues over whether we’re in a recession. It doesn’t seem like it when the market is heading back up, employment is great, and gas and grocery prices are starting to come down. If you plan to retire next year, how can you do it with confidence even if we are in a recession? People in their 40s and 50s who are watching their 401(k)s taking a hit during this stock market volatility probably aren’t worrying so much, because time is on their side and they’re still working. But if you’re nearing retirement or already there, it’s a much different story. Hear how Kevin can help you PROTECT your income and NOT LOSE MONEY!
President Biden has just signed the “Inflation Reduction Act.” It includes $80 billion toward beefing up the IRS’ tax enforcement division. Kevin explains how he helps his clients with tax planning year round and how being tax efficient NOW helps your taxes in the future!
Then, the #1 fear is running out of money but some retirees worry too much – almost to the point of depriving themselves by not spending. Hear how Kevin helps clients find that “sweet spot” between feeling financially secure, and still being able to enjoy a happy, fulfilling, retirement and how he can help YOU!
Call Kevin today for a customized Tax Analysis and Income Plan!
President Biden has just signed the “Inflation Reduction Act.” It includes $80 billion toward beefing up the IRS’ tax enforcement division. Kevin explains how he helps his clients with tax planning year round and how being tax efficient NOW helps your taxes in the future!
Then, the #1 fear is running out of money but some retirees worry too much – almost to the point of depriving themselves by not spending. Hear how Kevin helps clients find that “sweet spot” between feeling financially secure, and still being able to enjoy a happy, fulfilling, retirement and how he can help YOU!
Call Kevin today for a customized Tax Analysis and Income Plan!
If you’re planning to pass on wealth to your children, have you had a conversation with them about it? A new study (by Ameriprise) found that less than 20% of parents have been transparent, and only one in four in that category have introduced their heirs to a financial advisor. At what point should parents have “the talk” with their kids?
Then, do you think you pay too much in taxes … or too little? That’s a trick question because we all pay too much! But IRA expert Ed Slott tells The Motley Fool that’s our own fault! Bottom line, “the more you plan, the more you keep.” Hear how Kevin can help you minimize your taxes in retirement, possibly even creating a tax free retirement and the cherry on top - having income for life!
Call Kevin today for a customized Income Plan and Tax Analysis!
So are we in a recession? Some financial experts think so, but are we really? Kevin tells that's it's too early to tell and how to prepare your retirement portfolio. The 60/40 Rule was a common strategy for a retirement portfolio. 60 percent stocks and 40 percent bonds what makes up that portfolio. Is this still a smart strategy and is it still relevant? Taxes in retirement is an important task you need to think about. ROTH conversions are all the rage. Find out why.
On this episode, you'll hear about the rising interest rates currently happening. Is this a time to take more risk in your portfolio? Kevin explains what that means. Also, is this down market a good opportunity to invest more? And what is the 4 Percent rule and what is the ideal withdrawl rate.
On this episode Kevin explains how important his Retirement Roadmap is for his clients and for those who are not clients. As this market continues to drop, how much lower will it go? Looks like we have a long way to go. Do you know the fees in your 401k? Kevin tells you where to find them and how to avoid them. And finally, with inflation rising, how do you keep from dipping into your retirement savings.
Have you ever thought about the difference between being wealthy and being rich? Doesn't seem like much of a difference. But there is. We'll get Kevin's take on this topic. Also, with the advancement of medicine, people are living longer than ever before. So, how does this affect your portfolio? There some interesting reasons why people don't prepare to live into their 90's. Kevin explains how to make your money last that long.
On this episode, Kevin endorses a book by author and retirement specialist Patrick Kelly called "Stress Free Retirement" and delves into how he uses many of Patrick's philosophies in his practice. Topics such as; Getting a Second Opinion, Guaranteed Income and Don't Lose Money are all featured here.
With interest rates rising, what's a solution to not losing money in your savings? How about a Fixed Annuities? Kevin give his two cents on this. Also, is the 60/40 Rule dead? With bonds not paying what they used to, what strategies can be used?
As we're experiencing this volatile market, are you able to retire in this uncertain time? It all depends on stress. Also, we hear from retired NBA superstar Shaquille O'Neal and how much more he makes now, than he did when he played and how to make extra income after you retire. Depending where you live, a million dollar in your 401k won't go far in some markets. But should this affect where you live? And many retirees are getting remarried. Find out the facts about this.
With all the volatility in the market, are you able to retire? Kevin offers his advice. Depends on how stressed your portfolio is. Also, former NBA superstar Shaquille O'Neal makes more in retirement than he did when he was playing. So, can you get some good advice from him to make extra money in your retirement? If you have over a million dollars in your 401k, is that enough if you live in certain areas of the country? And more retirees are getting married again.
On this episode, Kevin explains the 4 Percent Rule and how the current high inflation will affect this. Also, when you see the "check engine light" go on in your car, it immediately triggers those who fear a costly repair. But does your retirement plan have a "check engine light." Find out more here.
Do you know the right age that you should be taking your social security? Most people think they have an exact age, but this is rarely the case. Find out what the right age is for you on this episode. Frank and Frankie tell a story of how they advised a client and developed a strategy to choose the right time. Also, paying taxes once you retire is a reality. And having a strategy for savings is so important. The guys will explain and tell of the incredible savings of a client.
On this episode, Kevin delves out advice on how to deal with inflation concerning your portfolio. Also, now that interest rates are at an all-time high, is it a good time to start buying CD's? And what does Asset-Rich mean? And we'll get some insight into the mind of financial mogul Warren Buffet.
With inflation at all-time highs, how are you prepared? Kevin talks about how you need a sound financial plan and how to get there. With the Fed raising rates, this makes shopping for an annuity a bit more difficult. Not to worry, because Kevin tell you what the right one is for you. And with many companies offering those people who are ready to retire, but not totally, a solution is shown that helps them ease into retirement.
With Inflation the highest it's been in years, how is the affecting your plan? Kevin talks about how he builds this into his plans and ease your mind. Also, running out of money in retirement is the biggest fear of those who are retired. What's the solution? An annuity?
Are you ready to leave work and retire full time? If you're worried about being totally unemployed, are you ready for this? In this episode, Kevin has an idea to help the transition. How about a part-time job, even with your current company, to ease you into total retirement.
On this episode Kevin talks about how to keep your tax money away from Uncle Sam. Do you have a plan to do so? He will tell a story of how he helped a client do that. Also, what are the positives of having a financial advisor? For one, it's money.
What is an annuity? Are they really good or bad? Wall Street seems to be coming around on them. On this episode, Kevin tells you a way that can be better than having a 401k as your main income source in retirement.
Market Volatility is on the minds of most people right now. How can you handle this? The first part of this show, Kevin explains what to do and how to deal with it. Also, when is the right time to take your social security when you're married. You'll be surprised by what Kevin's strategies are for this.
If you don't have an annuity, should you get one? Well, there are many to choose from, so which one is best for you? On this episode, Kevin explains what they are and if they're right for you.
As we're dealing with volatility in the market, how should it be dealt with? Should you panic and sell your assets? On this episode, Kevin talks about strategies to help you through these uncertain times and keep your portfolio on the up and up.
Many people in this country do NOT have a written plan for their retirement. What happens if you are forced to retire early? Or if you want to retire early? That complicates matters. On this episode, Kevin talks about why you need and should have a written plan for the future.
Inflation is all around us. And it's not going anywhere. So, how do you handle this with your portfolio? In this episode, Kevin walks you through different strategies on how to make better returns on your money. Is a Fixed Index Annuity a good solution? And what about that "lazy" money you have that's not accruing any interest? Find out more about this now.
Covid has forced older workers into an early retirement. Are you prepared if this is your situation? Also, inflation is on everyone's mind. Will this cause a recession? Many people are worried. Are you prepared for this?
Many people are concerned with inflation currently and how it's going up significantly. Even The Dollar Tree is increasing their prices. How does that affect your retirement? Kevin talks about strategies, including Fixed Indexed Annuities. He'll talk about a plan to help you get better returns on your portfolio while dealing with inflation.
Do you know the right time to take your Social Security? Did you know that your Social Security money is being lowered? Find out how you can make up the ground on that lost money. Also, what about your taxes in retirement. How can you save money there? Find out more in the episode.
As you're approaching retirement or already retired, you don't want to take too much risk in your portfolio. So should you be invested in stocks? On this episode, Kevin talks other investment solutions and strategies to keep that risk to a minimum.
Are financial advisors for the uber rich? Do you feel embarrassed that you don't have enough money to get a financial advisor? Kevin goes into detail about having a financial advisor and if you don't have the money saved up that you want, he'll give you advice on how to do so.
How much would it take for you to be financially happy? That depends on you because that varies from person to person. Kevin talks about how to make you financially happy with a plan that works for you. Also, President Biden has a new tax plan that will affect how your assets will be taxed. He'll explain what this is and who this will affect.
On this episode Kevin talks about why so many people are moving to Texan and Florida...Taxes. Also, who will need long term care in their life and how they can go about building that into their retirement plans.
The biggest fear in retirement is running out of money. On this episode, Kevin explains how not to do that as he explains a very important ROTH strategy to save you money on your taxes in retirement.
How concerned should you be about the inflation rate as you're thinking about retirement? Do you need to start budgeting? Kevin will explain a strategy and give you tip about how you should go about dealing with inflation. Also, what are your healthcare costs in retirement. The number are staggering.
Inflation is something to always expect as time goes by. How do we deal with this and what about interest rates and how this will affect it. Kevin explains this and what to do about it. Also, how does market history affect your retirement portfolio. He will give you the details about this too.
How much do you think you're paying in taxes? Are you overpaying? Probably. And how do Roth IRA's help you with your taxes in your written plan? Kevin explains how all this will affect your taxes in retirement and explains a strategy to help you save money in retirement on your taxes.
If you don't have a financial advisor, why not? Maybe you're a do-it-yourselfer. What are some good reasons to have one as you're approaching retirement? Also, Kevin talks about education and how he keeps learning about his craft to pass that knowledge along to you.
Kevin Madden reacts to strategist Bob Doll's statements about the new stimulus bill and whether the boost it has created in the markets will be lasting or temporary. Kevin stresses that regardless, a well balanced portfolio is key.