Safe Money and Retirement: Recent Episodes
Nabco Media
Heischman Financial offers a full spectrum of investment planning and guidance. We can help you if you are seeking a better lifestyle throughout your life, from your working years and into retirement.
We have helped thousands of individuals and couples at all economic levels in central OH so they can enjoy a stress-free retirement. Our team has assisted them using a balanced approach to asset management, which includes both risk and safety.
Whether you have a nest egg of $5 million or $50,000, we can help make sure that your money goes to work. We do this so retirement can bring you the leisure and peace of mind you deserve.
This show will review all these matters, and offer advice on your financial future options.
SafeMoney #JonHeischmanSr #RothIRABasics
In this week's episode host Jon Heischman, Senior covers the basics of a Roth IRA.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information
SafeMoney #JonHeischmanSr #SocialSecurity #RetirementStrategies
In this week's episode host Jon Heischman, Senior talks about several strategies including Social Security benefits as part of your overall retirement income and withdrawal plans.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information
SafeMoney #JonHeischmanSr #TaxEfficientDistributions #TooManyAccount
In this week's episode host Jon Heischman, Senior takes on two interrelated topics of tax efficient distributions from your retirement accounts and having too many accounts.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information
SafeMoney #JonHeischmanSr #FinancialHomeMakeover
Just like your physical home, your financial home may be in need of makeover. Host Jon Heischman, Senior talks about this in this week's episode.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information
SafeMoney #JonHeischmanSr #SocialSecurityBasics
Getting back to retirement planning basics, host Jon Heischman, Senior covers Social Security benefits in this week's episode.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information
SafeMoney #JonHeischmanSr #AlleviateTheAnxiety
Thinking about and planning for retirement can be stressful, but in this week's episode host Jon Heischman, Senior talks about how to alleviate that anxiety.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information
SafeMoney #JonHeischmanSr #InvestingStyles
What is your investing style? In this week's episode host Jon Heischman, Senior talks about the different investing styles to help you identify which one is yours and then how to properly plan based on that style.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information
SafeMoney #JonHeischmanSr #IRADistributions
In this week's episode host Jon Heischman, Senior discusses IRA distributions.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information
SafeMoney #JonHeischmanSr #AllocationTimeHorizon
In this week's episode host Jon Heischman, Senior talks about the time horizons around a retiree's goals and how to set those allocations.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information
SafeMoneyAndRetirementShow #IndexedAnnuities
In each episode host Jon Heischman being a independent financial advisor discusses how to build a more secured retirement plan. In this episode, builds on that foundation and talks about indexed annunities and funding methods on or above Social Security benefits to provide ongoing income through your retirement years. This is an updated version originally aired on November 16, 2020 and August 25, 2023.
To contact Jon after the show with your questions or comments, call (888) 426-0177. Visit www.heischmanfs.com/
SafeMoney #JonHeischmanSr #OrganizingYourAssets
You may have multiple accounts, income streams and other assets and in this week's replay episode host Jon Heischman, Senior talks about organizing those assets as you approach retirement.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information
SafeMoney #JonHeischmanSr #RothIRARules
In this week's episode host Jon Heischman, Senior talks about the rules surrounding Roth Individual Retirement Accounts.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information
SafeMoney #JonHeischmanSr #Distributions #IncomeStream
You have your retirement accounts in place, but in this week's episode host Jon Heischman, Senior talks about how and when to take distributions and your income stream.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information
SafeMoney #JonHeischmanSr #TakingSocialSecurity
In this week's episode host Jon Heischman, Senior talks about when to begin taking Social Security benefits and reasons why that start time may differ for individuals.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #IntoRetirement
You may be financially ready for retirement, but are you emotionally? Jon Heischman, Senior tackles this issue in this episode about transitioning into your retirement years.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #Procrastination
Procrastination is one of the leading issues for those approaching retirement age and host Jon Heischman, Senior talks about strategies and methods to take action.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #DestinationRetirement
Host Jon Heischman, Senior talks about having success with clients when their destination is retirement!
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #LostSecretOfRetirementPlanning
Retirement planning may seem technical but in this episode, host Jon Heischman, Senior discusses the art and lost secret of planning!
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #YourMoneyWorkingForYou
Host Jon Heischman, Senior discusses how to keep your money working for you during your disbursement phase (retirement).
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #RetirementInsecurity
Host Jon Heischman, Senior discusses a recent study by the National Institute on Retirement Security and strategies that he uses that can help most clients obtain a sense of security in their retirement planning.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #HealthCareCosts
One of the biggest challenges facing retirees is the cost of health care. Host Jon Heischman, Senior addresses this issue and provides some advice and solutions.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #RiskTolerance
Many may have heard the term "risk tolerance" but what about "risk capacity"? Both concepts relate to financial planning and in this episode host Jon Heischman, Senior delves into both and explains the differences.
Understanding both concepts is crucial for effective investment strategies and ensuring that your financial decisions align with your personal comfort and financial situation.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #LongTermCare
In this new episode, host Jon Heischman, Senior discusses how long-term care effects your retirement planning.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #RothIRAConversions
In this new episode, host Jon Heischman, Senior talks about Roth IRA conversions when moving into retirement.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #StagesOfRetirement
In this new episode, host Jon Heischman, Senior discusses the various stages a person goes through during the retirement years.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #LongTermCare
In this replay episode, host Jon Heischman, Senior discusses how to make long term care part of your retirement planning.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
This show originally aired October 16, 2022.
SafeMoney #JonHeischmanSr #FinancialLiteracy #FinancialWellness
In this episode, host Jon Heischman, Senior discusses the need for financial literacy and wellness.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #Psyched2Retire #InheritedIRA
Beyond having the income in place for retirement, it is also important to plan for the psychological transition into retirement. 35% of retirees are concerned about having too much time on their hands. In this episode, host Jon Heischman, Senior discusses this and also touches on inherited IRAs.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #BalancedPortfolioRisk
In this episode, host Jon Heischman, Senior discusses how to balance your retirement portfolio to reduce risk.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #RolloversAndRollups
In this episode, host Jon Heischman, Senior discusses rolling over your 401k into an IRA and what type of account options are available.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #PlayingTheLongGame #LivingPast90
It is not uncommon for some to live past 90 years old these days and in this episode host Jon Heischman, Senior discusses retirement and tax planning for those who do live that long.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #DontFailToPlan
Many delay and some don't plan for retirement at all. In this episode, host Jon Heischman, Senior warns "don't fail to plan" and what basic steps you can take to get started.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #SimpleBuildingBlocks
In this episode, host Jon Heischman, Senior covers the simple building blocks for a retirement income plan.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #GenerateIncome
In this episode, host Jon Heischman, Senior talks about the need to quantify your retirement income needs and then how to generate that income.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #AssetsIntoIncome
In this episode, host Jon Heischman, Senior talks about how to turn your assets into income for your retirement years.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoneyAndRetirementShow #Caregivers
In this week's episode host Jon Heischman addresses preparing to be a caregiver for loved ones focusing on the key financial oversight questions to put them in order. Once this piece is in place, it will allow time for all the other issues related to caregiving.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps or the list Caregiving Issues discussed in today's episode.
Visit www.heischmanfs.com/
SafeMoneyAndRetirementShow #RetirementMoneyQuestions
We are awash in information; some of it useful, most of it not. Host Jon Heischman, Senior breaks through the clutter when it comes to retirement money questions in this week's episode.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoneyAndRetirementShow #TimeHorizons
Time horizons vary depending on the age and goal of the retirement investor, along with how assets are to be allocated. Host Jon Heischman, Senior discusses this topic in this week's episode.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoneyAndRetirementShow #GettingASecondOpinion
Relationships are key in retirement planning, but host Jon Heischman, Senior talks about considering getting a second opinion as you approach retirement to ensure you are maximizing your benefits.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoneyAndRetirementShow #LongevityConcerns
Host Jon Heischman, Senior talks about longevity concerns and how to properly move your retirement accounts around.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoneyAndRetirementShow #PlanningYouDeserve
Jon Heischman, Senior shares infomation about consistent and regular on-going planning is essential to keep your long term goals on track, in this replay episode.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoneyAndRetirementShow #RiskAndFees
Host Jon Heischman, Senior discusses the risks and any possible associated fees relating to your retirement planning.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoneyAndRetirementShow #FinancialIndependence
Host Jon Heischman, Senior talks about the goal in retirement is to have financial security and peace-of-mind. If you achieve this it means you have financial independence!
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoneyAndRetirementShow #AnnuityPlanning
Host Jon Heischman, Senior discucces the Art of Annunity Planning as part of a retirement plan in this episode.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoneyAndRetirementShow #MakeAPlan
Don't leave your retirement up to chance and hope, make a plan. Host Jon Heischman, Senior covers steps to take in this replay episode.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoneyAndRetirementShow #RothIRA
In this episode, host Jon Heischman, Senior talks about the rules surrounding Roth IRAs.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
In this episode, host Jon Heischman, Senior discusses the six types of losses that can occur during retiremet and talks about strategies on how to mitigate or eliminate them.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
In this replay episode, host Jon Heischman, Senior discusses methods for keeping your retirement plan current.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #TooManyAccounts #AccountConsolidation
Too many retirment accounts? Yes, that can be an issue and host Jon Hesichman, Senior discusses that topic along with some attractive interest rate plans offering shorter term, high yield, tax-deferred returns.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #ImagineRetirement
If you are approaching or just recently retired, host Jon Heischman, Senior discusses what the reirement lifestyle is like and that the key to it is having enough income to maintain that lifestyle.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #ProtectedPortfolio
In this episode Jon Heischman, Senior focuses on two aspects of retirement planning, a protected portfolio and proper rollovers.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
In this replay episode, host Jon Heischman, Senior talks about how to get started in planning your financial future.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #AssetAllocationSafety
You have worked hard to build your retirement and in this episode, host Jon Heischman, Senior talks about how to safely allocate those assets.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
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SafeMoney #JonHeischmanSr #YearEndTaxStategies
Another year is whinding-down and time to prepare for Year End Tax Strategies and host Jon Heischman, Senior covers that subject in this episode.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #FutureOfRetirementPlanning
There is much uncertainty and instability in the economy these days; especially in a pivotal Presidential election year, but host Jon Heishman, Senior gives a mature, experienced analysis of the Future of Retirment Planning .
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #ColorModelOfInvesting
In this episode, host Jon Heischman, Senior talks about the color modeling method of investment planning.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
In this replay epiode, host Jon Heischman, Senior talks about An Educated Retirement. Jon explains the importance of being informed prior to and on an on-going basis during retirement.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #AssetsIntoIncome
In this episode, host Jon Heischman, Senior talks about how to turn your assets into income for your retirement years.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #TooMuchAtRisk
In this episode, host Jon Heischman, Senior addresses the concern some of his clients have about having too much of their IRA at risk.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #MistakesToAvoid
Retirement planning can be tricky and in this episode, host Jon Heischman, Senior talks about mistakes to avoid.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #TaxPlans
In this episode, host Jon Heischman, Senior discusses tax planning.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
In this replay epiode, host Jon Heischman, Senior talks about Retirement Account Consolidation Options. Over the course of our working career, we may acquire several different retirement plans and Jon explains his process of consolidation for clients.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
SafeMoney #JonHeischmanSr #RothIRA
In this episode, host Jon Heischman, Senior discusses the advantages of opening or converting to a Roth IRA.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information
In this episode, host Jon Heischman, Senior covers the 6 planning steps when working with a retirement planner/advisor.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
In this episode, host Jon Heischman, Senior dicusses current trends and challenges in retirement planning; namely the longevity risk as it relates to income.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
In this episode, host Jon Heischman, Senior gives a high level answer to to the question, are you ready for retirement?
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
In this episode, host Jon Heischman, Senior focuses on medical expense risks to your retirement plan portfolio and strategies on mitigation.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
In this episode, host Jon Heischman, Senior tackles a subject many would rather not think about...building a Surviving Spouse Plans. From consolidating accounts to keeping an updated Power-of-Attorney and add the fact 80% of wives will oulive their husbands, this is an episode many "Boomers" should listen to.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
In this episode, host Jon Heischman, Senior addresses the issue of new clients having multiple retirement accounts, how those should be consolidated and how that relates to required minimum distributions come retirement age. Plus, discussion on sequence risk.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
In this episode, host Jon Heischman, Senior talks about cutting through all the information clutter as he revisists some of the questions that he has complied over the years from clients and listeners pertaining to retirement planning.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
In this replay epiode, host Jon Heischman, Senior talks about Avoiding Running Out of Money in Retirement and some strategies around that topic.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
In this episode, host Jon Heischman, Senior addresses the current feeling of Retirement Insecurity felt by the majority of people of and appraoching retirement age. Most importantly, Jon talks about what you can do to help lessen those concerns.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
In this episode, host Jon Heischman, Senior responds to several listener requests and discusses annunities as part of a retirement plan. This topic is especially fitting as June is Annunity Awareness Month.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
In this episode, host Jon Heischman, Senior discusses how financial planners cannot predict the future, but can know with a high degreee of certainty that certain things will happen in terms of retirement investing and income. One key is adjustable planning.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
True Diversification is Vital for a successful investment strategy, but knowing what that means and looks like can be confusing. Host Jon Heischman, Senior explains what true diversification means in this episode.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
Host Jon Heischman, Senior discusses his asset color-coding strategy called "The Color of Money" in this episode. This system organizes your investements, savings and other assests in a visual way.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
Host Jon Heischman, Senior returns to a longer format program in this episode and gets down to basics and discusses 'Retirement Plan Checklist".
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
Host Jon Heischman, Senior covers "Rollover Rules" in this episode. Rollovers are the moving assets from an employer held account in to an IRA, they can be 401k, 403b, SEP or pension accounts.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
For some reason many proscrastinate when it comes to their retirement planing. In Jon Heischman Senior's opinion, it is the number 1 enemy of retirees. Jon talks about how to get started on putting together a plan of action!
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
Host Jon Heischman, Senior asks and answers What is Financial Independence based on his opinion collected from years of experience in dealing with a wide variety of clientele from diverse backgrounds.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
Host Jon Heischman, Senior talks about how to structure your 401k into an Income Generating Annunity that is guarnateed to produce a source of income that you cannot outlive!
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
Host Jon Heischman, Senior talks about how to preserve your qulaified money so it lasts through retirement. This invested money will now become your income.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
Host Jon Heischman, Senior covers Required Minimum Distributions (RMDs) and how to plan for and handle them for those at or approaching retirement age in this week's episode.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
Host Jon Heischman, Senior talks about reitrement withdrawal strategies in this week's episode.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
Host Jon Heischman, Senior asks and answers "Are You Retirement Ready?" pariculary concering Roth IRA Conversions.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
Host Jon Heischman, Senior talks about his years of experience when dealing with clients' "Retirement Planning Mistakes". Many, at some point, wish they had done some things different with their planning...whether that be "more aggressive" or "more conservative".
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
It is the start of a New Year, but that also brings tax season! In this episode host, Jon Heischman, Senior discusses "The Art of Retirement Tax Planning".
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
Host Jon Heischman, Senior shares some strategies to help give your retirement plan "Recession Protection".
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
Host Jon Heischman, Senior discusses another important aspect of retiremnet planning and that is funding long-term care.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
In this episode, host Jon Heischman, Senior talks about the importance of diversifying your retirement asset portfolio.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
In this episode your host, Jon Heischman, Senior discusses how you will need to prepare and decide how to handle the rollover of your 401k and/or pension plan for retirement income.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
The popularity of annunities has exploded in recent years. In this episode titled "Benefits of Annuities", host Jon Heischman, Senior discusses how annunities help address the number one concern among retirees...the longevity risk...or in other words, outliving your money!
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
With all the changes in the tax code, in this episode, Jon Heischman, Senior addresses Retirement Tax Considerations.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
In this episode, Jon Heischman, Senior goes over the basics of an "Accounts Review"."At-Risk" investments are not under management and at risk in the market, while "Safe-Money" is under management based a level of client risk tolerance.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
Just like planning a trip, you need to know your starting point and where you want to go; so it is with financial planning. In this week's episode titled "Keeping Your Plan Fine Tuned", host Jon Heischman, Sr. goes over this concept.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
Millions of Americans go into retirement with the hope they will get by rather than having a plan in place. Don't leave your retirement years up to chance! In this episode, host Jon Heischman, Sr. discusses how to put a plan in place.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
In this episode, host Jon Heischman discusses how procrastination; in his opinion, is the single biggest issue when it comes to retiree financial planning. Jon offers advice on how to turn that inaction in to common-sense planning.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
In this episode, host Jon Heischman discusses "Implementing An Income Plan". Financial plans and income plans are related, but not excatly the same thing. Those two elements work together making up a full financial plan. However, in some cases an income plan is built without having a full finanical plan in place.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
For most of U.S. history, it was common practice for people to work up until the time when they simply could not any longer. Fast forward to today where 45% of those aged 65 are retired and with life expectancy, the need for a longer term plan is necessary.
Host Jon Heischman discusses "Retirement Decision Factors" in this episode.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
In this week's episode, host Jon Heischman discusses some of the retirement risks you need to be aware of and the sooner those potential problems are addressed, the better off you will be in your retirement years.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
In this week's episode host Jon Heischman addresses preparing to be a caregiver for loved ones focusing on the key financial oversight questions to put them in order. Once this piece is in place, it will allow time for all the other issues related to caregiving.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps or the list Caregiving Issues discussed in today's episode. Visit www.heischmanfs.com/
Many head into retirement without a plan, but planning for your income future should begin well before you reach retiring. Host Jon Heischman talks about "The Lost Secret of Planning" in this episode.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
In this week's episode host Jon Heischman talks about life insurance as part of retirement planning and ways to bring new "life" into your old policies.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
In this episode host Jon Heischman asks, "do you know the IRA/401k rollover rules?" based on a conversation with a listener.
Whether you are leaving an employer with a 401k or offered a pension plan buyout, you need to make sure the course of action you take is in your best interests since there is not one rule-of-thumb for everyone.
You need an advisor like Jon to help you through the rollover process from a 401k to an IRA and/or your pension strategy.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
In this episode, Independent financial advisor Jon Heischman discusses longevity risk in retirement which is the number one concern among his cleints.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps.
In each episode host Jon Heischman being a independent financial advisor discusses how to build a more secured retirement plan. In this episode, builds on that foundation and talks about indexed annunities and funding methods on or above Social Security benefits to provide ongoing income thorugh your retirement years.
To contact Jon after the show with your questions or comments, call (888) 426-0177.
In this week's episode host Jon Heischman how to cut your tax bill from the "Jobs Act" which doubled the standard dedcution beginning in 2018. This caused a dramatic decrease in the number of people filing itemized deductions and the unintended consequence of a reduction in chartiable gving,
But if you an IRA owner 70.5 or older, you can give without itemizing and still get the tax break through a Qualified Chartaible Distribution (QCD). Jon goes into deatil on this and life insurance related distributions as well.
You can call Jon after the show with questions and comments at (614) 861-7055.
Host Jon Heischman presents a straight forward episode talking about "Savings and Withdrawl Strategies" for your retirement whether that being your current situation, in the near or distant future.
You can call Jon at (614) 861-7055 after the podcast to ask questions and give topic ideas for future episodes.
In this episode Jon Heischman addresses "The Retirement Future For Women". Currently, 16% of households have women as the primary income provider and 33% of households both partners have the same income.
In this episode Jon Heischman discusses the Secure Act 2.0 as it particularly relates to required minimum distributions (RMDs) currently set at age 73 and set to increase to age 75 by 2033.
Baby Boomers control the greatest amount of wealth with most having some sort of qulaified account like an IRA, 401k, SEP or even TSP.
In this episode Jon Heischman discusses issues relating to leaving and inheriting those qulaified accounts.
While there many risks facing retirees; Market, Inflation, Tax, Excessive Withdrawl, Healthcare, the current number one is Longevity. Longevity risk means outliving your money.
Jon discusses strategies to ensure you will not outlive your retirement income in this episode.
In recent years Jon has noticed his primary clientele contact has shifted to women, with about 60% of his business now coming from them. Based on this, Jon discusses this trend and the approaches to take in financial planning and advising in this episode.
In this week's episode Jon Heischman talks about his "The Color of Money" model for allocating your assets to minimize risk for the conservative investor.
Jon Heischman has spoken about Rollovers several times over the years on the Safe Money & Retirement Show, but it is worth addressing again since it has become one of his most frequently asked questions recently.
Whether it be an employer 401k, TSP or 403b plan you should consider using a financial advisor to rollover into an IRA to meet your needs.
Outdated investment strategies can not only be ineffective, but also detrimental to your portfoloio. So, it is necessary to invest for today's enviroment by ultilizing the three principles of 1. Liquidity 2. Safety and 3. Return (on investment).
Jon Heischman talks about this and tax planning in this week's episode.
This being Annunity Awarness Month, Jon Heischman dedicates this epsiode to dicussing annunities, including the two main reasons annunities have gotten "a bad wrap".
Those reasons being: 1. Many advisors don't understand how annunities work
2. The advisor cannot write an annunity, so advises against them
If you are one of the 80% that have some type of annuity in your retirement plan, you should listen to this episode.
Knowing when the right time to claim Social Security benefits in very important when planning your overall retirement strategy. In this week's epsiode Jon Heischman cvers how important it is to monitor and get the most from those benefits that you are eligible for.
Jon also touches on issue of life insurnace as it relates to retirement income.
One of the most important concerns for retirees is outliving their retirement accounts. In this epiosde Jon Heishman discusses how to mitigate this concern by balancing your portofolio with some in the market to maximize growth and some in "safe" accounts to generate income.
Visit heischmanfs.com for more information.
Many people take advantage of the "best game in town" by participating in their employer's 401K, 403B or TSP Plan. These are great while you are working since: 1. contribution come out non-taxed automatically from your paycheck and 2. many companies have mathcing funds or some type.
However, after retirement those advantages disappear yet many keep their plan through their employer's company rather than rolling over into a more flexible IRA.
Jon explains all this in this week's episode.
In this week's episode Jon addresses how to involve your heirs and family in your financial and estate planning. At least one person in your family; or other relation, should know you plan ir intention.
As retirement time approaches, you may need to rebalance your investment accounts. Jon addresses this along with other timing risks in this week's episode.
When is the time to start planning for your retirement? Yesterday. In this week's episode, Jon Heischman covers how and when you should start your financial plan.
In this installment of the Safe Money & Retirement Show, host Jon Heischman gives some important reminders regading the Secure Act of 2019 as it relates to your IRA and other qulaified accounts.
In this episode, Jon Heischman defines "risk tolerance" and why it is so important to know your's when making and executing your finncial, investements and retirement plans.
In this week's episode, Jon gives a deatiled explanation and recommendation to visually organize your investments, savings and assets using a color coding system.
In this episode, Jon Heischman explores when you should claim your Social Securiy benefits to maximize the amount given.
In this episode Jon addresses how many upcoming retirees of the Boomer Generation mat have several qaukifying plans, what this means and recommendations on how to naviagte the "Qualified Plan Potpourri".
Jon talks about common retirement concerns people have as they are approaching their retirement years.
Jon talks about bringing it all together when it comes to retirement planning o nthe latest podcast.
Jon talks social security, federal pensions, and document retention on the latest podcast.
How Long Should You Work? Here is a "best of" web version of Jon Heischman's Safe Money & Retirement Show for 5/16/21. Originally aired on 10/18/20.
Know What You Have Where It Is And Have A Plan
Learn how to write a catchy episode title.
This week, Jon discusses "real return" in your retirement accounts and also Roth IRA conversions.
This week's show focuses on strategies for managing multiple sources of retirement income.
This week's show has Jon discussing the new Secure Act & how it affects retirees and those approaching retirement. Plus, he also talks about longevity in retirement.
This week, Jon discusses optimizing risk in your portfolio...plus finding the balance with your money.
Jon discusses Social Security planning and the need for "getting it right" when it comes to overall retirement planning.
In this week's show, Jon discusses the importance of retirement goals and the planning it takes to achieve them.
This week, Jon discusses the "Color Of Money" way of retirement accumulation as well as a three dimensional investing strategy.
This week, Jon discusses the problem of the income gap at retirement and strategies to close it.
This week Jon's topic is Falling Short-The Coming Retirement Crisis & what to do about it.
This week is a "best-of" show from 5/26/19...discussing the advisor-client relationship.
In this edition, Jon discusses the ins and outs of converting from a traditional to a Roth IRA.
This week, Jon discusses some retirement risks and possible solutions to minimize or eliminate those risks.
This week, Jon discusses the different types of annuities available today & how they may fit into an overall retirement portfolio.
This week, Jon talks about empowering women in retirement. He discusses steps to take and strategies to implement in order for women to take charge of their finances as they head toward a potential long period of retirement...single, married or widowed.
This week Jon discusses the potential tax implications of the different types of IRA's.
This week Jon discusses the relationship between risk & liquidity and the balance between safety and return in your portfolio.
This edition talks about Required Minimum Distributions and dealing with financial retirement accumulation pressures in today's society.
This week Jon discusses some of the financial benefits of portfolio diversification strategies.
This week, Jon talks about the ins & outs & the benefits of having long term care & coverage for it in retirement.
In this episode, Jon discusses the Roth IRA ins & outs and whether it may or may not be right for you.
This week, Jon discusses some of the main points included in the "Secure Act" bill working it's way through congress.
This week, Jon discusses pension options...lump sum versus annuity payout pros, cons and how each choice might work best for you.
In this week's show, Jon discusses choosing and managing investment choices & options to suit your portfolio objectives.
Here is the web version of Jon Heischman's Safe Money & Retirement Show for 7/7/19. This week, Jon discusses ways to make you money last in retirement, as well as 401k mistakes and steps to make it work better for you.
This week, Jon discusses the benefits of Annuities in retirement planning...plus the option of adding Long Term Care coverage to an Annuity.
In this week's edition, Jon discusses the topic of elder financial abuse & scamming...what to watch out for and how to prevent it. Jon also talks about the popular topic of using the bucket approach with your retirement money.
In this week's show, Jon discusses the possibilities of living off of the interest only in your retirement accounts & some of the other ways of creating enough income to last through retirement years.
In this edition, Jon discusses the benefits and possibilities of guaranteed income in retirement.
In this week's show, Jon gives a rundown of the highlights of the SECURE Act (currently moving through Congress) that would alter some of the financial rules for retirees and those approaching retirement.
In this week's edition, Jon discusses the steps and expectations that occur in the financial advisor/client relationship.
In this week's episode, Jon discusses the importance of developing a budget in retirement planning...plus figuring out where your replacement income will come from in retirement.