Expedition Retirement: Recent Episodes
Greg Aler
The Expedition Retirement podcast is for every-day retirees. We don’t talk about picking investments, instead we challenge financial advisors and the fees the trillion-dollar industry takes from your hard-earned savings. The advice that your financial advisor gave you to get to the top of "Retirement Mountain" probably won’t help get you down. That is what most retirees miss – until it’s too late. Tune in weekly for straight shooting, honest advice on protecting your assets from taxes, market risk, fees and long-term care. Get down Retirement Mountain safely.
Most people believe with no job their tax bill will go down in retirement. That is not always true. The question is, what can you do about it?
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On this episode:
• A dad in Florida gave his house to his daughter. The 55 plus rule became a problem.
• Evaluating that old stock from mom and dad.
• Gold was all the rage last year, now what?
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On this episode:
- Is market volatility really the biggest retirement concern, or is there a more important question hiding in plain sight?
- "Whatever's left, they can have" sounds simple. Why that mindset may create challenges for spouses, children, and heirs.
- Healthcare costs, spending habits, and other unexpected realities can reshape retirement faster than many people anticipate.
- A large IRA could create unexpected tax consequences. Discover why timing may matter more than many retirees realize.
- Most retirees picked guaranteed income over a lump sum. Their answer reveals an intriguing retirement mindset.
- Advisor fees can add up over time. A closer look may raise questions many investors never think to ask.
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Studies show that the happiest decade of our life is our 60s. What should you be doing to make that a reality?
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On this episode:
- She bought her dream house on the beach but may have done it the wrong way.
- Is the greed factor getting you in this stock market?
- If you delay Social Security and draw off your 401(k), does the math work?
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What if the biggest reason retirees avoid annuities has nothing to do with the product itself? Greg examines why annuities continue setting sales records while remaining one of the most criticized financial tools. He breaks down the differences between annuities, CDs, and market-based investments, explains the role of guarantees and risk management, and shares his perspective on why parts of the financial industry push back against them. Plus, a look at where annuities may fit within a broader retirement strategy.
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On this episode:
- Micron's earnings sparked excitement, but market volatility remains. Greg explains why retirement planning shouldn't depend on stock picking or chasing the next hot investment.
- From 401(k)s to advisory accounts, fees can quietly drain retirement assets. Greg breaks down the true cost of financial advice and why value matters.
- An advisor suggested borrowing instead of spending retirement money. Greg examines the math, tax consequences, and why some retirement advice may not serve clients.
- Delayed dreams, working too long, tax mistakes, and outdated estate plans. Greg shares lessons retirees wish they had learned sooner.
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On this episode:
- Most people believe they will be in a lower tax bracket and will get tax refunds in retirement. That may not be true.
- Is it time to pull back on your market risk when you retire?
- Financial advisors get paid in many ways. What is right for you?
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What if everything the financial industry has told you about retirement isn't quite the full story? Headlines insist you need $1.8 million to retire, yet only 3% of retirees actually have that — and 82% say they have enough and are happy. So what's really going on? On this episode, Greg Aler unpacks why the industry leans on fear, inflation talk, and savings targets to keep retirees uncertain and dependent.
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On this episode:
- Maybe we don’t all need a million dollars to retire.
- Are we all leaning too much on our 401(k) money?
- It worked for mom and dad, why won’t it work for me?
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On this episode:
- Many retirement plans fail in the first 5 years of retirement…why?
- Is an IRA-to-Roth conversion a good move for you? One article says be careful.
- How one man had to wait 5 years to settle his father’s estate, only to find out about a big tax surprise.
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On this episode:
- The over heated stock market, the war, and inflation: Are these things keeping you from retiring?
- Have we found the perfect number for your IRA-to-Roth conversion?
- The purpose for a Will and how you spend your inheritance.
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Maybe your family is one that doesn’t talk about money. That can come back to haunt you after the passing of a loved one.
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On this episode:
- When tech stocks are up 200%, is it real?
- Whirlpool stopped paying its dividend after 70 years. Does that mean something?
- Want to know how much you’ll need per month in retirement? The new averages are out.
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You may love your job and gladly work 60 hours a week. What challenges does that bring for your retirement?
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On this episode:
- Some people retire with strong finances but still struggle—because retirement isn’t just about the numbers.
- Why are annuities suddenly gaining traction among retirees?
- Retirement withdrawals aren’t always rule-based—how you pull income can be more flexible than you might expect.
- Family inheritance plans can look simple on paper, but real-life dynamics often make them far more complicated.
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Ever look out the window at work longing to be out there instead of at your desk? Most everybody does, but it takes on a different meaning in your 60s. Greg is joined by Golden Reserve President Phil Huff to discuss when you know it’s time to be done.
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On this episode of Fire Your Financial Advisor:
- Can you “break the bank” on a retirement whim?
- Sometimes boring is better with investing.
- Is Vanguard taking it too far?
- When the estate had bills, how much do you have to pay?
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If your kids are shocked by what’s in your will, the damage may already be done.
On this episode of Fire Your Financial Advisor, Greg Aler digs into why inheritances so often spark family conflict and how unclear estate planning can turn grief into litigation. Greg draws from years as an estate attorney to explain common flashpoints—unequal distributions, family businesses, estranged children, and last‑minute changes—and why will contests almost never end well. The conversation focuses on intent, communication, and documentation, highlighting why tough conversations held early can shape very different outcomes later.
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On this episode:
- Headlines scream disaster—are you letting clickbait steer your retirement plan and risk tolerance?
- One Medicare premium bump can distract from the bigger IRA tax math—especially for spouses and heirs.
- A neat rule of thirds sounds simple—until your goals, emotions, and income needs refuse to fit the buckets.
- DIY investing feels great in your 60s—what happens when paperwork, health, and life events collide in your 70s?
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What are the pros and cons of dipping into your 401(k) to let your Social Security payment grow?
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On this episode:
- Coming to grips with watching your balance go down in retirement.
- Should you ever put personal money into a workplace 401(k)?
- What happens when your advisor invests your money in ways you never asked for?
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Everyone loves to hate annuities—yet $464 billion poured into them last year. What do all those retirees know that the loudest critics don’t?
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On this episode:
- Without all that employer income, why do retirees get into tax troubles?
- IRAs often look like savings—but they can turn into one of the biggest tax liabilities retirees and their families face.
- A headline promises to boost your 401(k), but what’s actually being added behind the scenes?
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On this episode:
- The fallacy of “When you do better, we do better.”
- Hidden costs that may surprise you in retirement.
- Many happy retirees have established this bucket of money.
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Being debt free is a great goal in retirement. But at what cost? Sometimes paying off that mortgage makes more psychological sense than financial sense.
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70 percent of us will need some kind of care in our elder years. That care could be VERY expensive. Saying, “That will never happen to me” is not a good strategy.
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On this episode:
- Why retirees keep making the same mistake: Your money keeps growing, but fear holds you back from spending—until you realize the real risk isn’t spending too much, it’s not living enough.
- The Roth conversion timing trap: Move too slowly and taxes explode later; move too fast and Medicare costs jump—finding the right window can save tens of thousands over retirement.
- Why fees feel invisible but hit hard: Like Medicare, the more you have, the more you pay—often for the same service—raising the question of what your advisor is really earning each year.
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How much do you charge? How do you deal with risk, inflation, taxes, and Social Security? These are all good questions for your financial advisor. We discuss a question that may be a deal breaker.
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On this episode:
- Fee only, flat fee, one-time fee. What advisor is right for you?
- You hit your retirement savings goal. Is it time to go to cash?
- Your savings, your pension, your 401(k), or your house. Which is your biggest retirement asset? It might be something else.
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Each year around St. Patrick’s Day, McDonalds offers the Shamrock Shake. But it’s only available for a short time. Are there tasks in retirement that have a window of opportunity?
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On this episode:
- Should you be backing off your risk in this crazy market?
- Haven’t saved enough? Maybe you can double your savings in retirement.
- What works better: Paying taxes now on your 401(k) or pay taxes later?
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On this episode:
- You buy something and they try to add on and add on. Is your financial advisor doing it too?
- Your risk profile: Where is your bottom? Or is that even the right question?
- This could be your biggest hurdle if you retire early.
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The financial news throws around terms that are hard to understand. Let’s break it down for you.
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On this episode:
- Remember the creature feature scary movie when you were a kid? The financial industry is very similar.
- When you start tapping into your 401(k), Uncle Sam sees you in a whole new way.
- Many people try to do their own retirement planning. How are they doing five years later?
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Your RMD math: did you get it right this year? The IRS is watching.
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Tariffs have caused negative feelings around the world regarding the U.S. Some say if they sold all their US bonds it could sink our stock market. Is that true?
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On this episode:
- Whether you’ve saved $500k or $5 million, people are asking this same question.
- Everyone seems to make chili differently. Is it ok to look at your retirement portfolio the same way?
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The average retiree spends about 6,000 dollars a month. How do you figure out how much you can spend without the biggest fear of most everyone…running out of money.
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On this episode:
- They say you need 1.5 million dollars to retire. We blow up that number with one key factor.
- What if you hate risk? Can you retire and not use the stock market?
- Warren Buffet weighs in on your stash of cash.
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A new study from JP Morgan says people who do this with their investments will spend more, enjoy retirement more, and have less anxiety. We break down what these investors have in common.
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On this episode:
- People are staying in their homes longer and that may make them neglect some important planning issues.
- This DIYer looks back and says here’s what I could have done better.
- Many people are nervous about this stock market. One analyst believes that’s a good thing.
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On this episode:
- One woman writes in talking about her biggest retirement regret.
- Millions of pre-retirees are moving money from their 401(k)s to their own IRAs. A smart move. Yet many people are stuck on what to do next.
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On this episode:
- Will 2026 be a better or worse year to retire than last year?
- There are trillions of dollars in money market funds waiting to be deployed into the market. Will it save us from a downturn?
- Can you do a Roth conversion without paying taxes? One advisor says he has the secret.
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Much like when parents try to put off the "talk" when their kids are younger, they often avoid sharing estate plans when their children are older. Greg Aler explains how clear communication on wills and trusts—especially in blended families—prevents probate battles and protects your legacy with a simple, actionable roadmap.
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Before making big moves with your 401(k) at retirement, Greg Aler and Phil Huff explain why understanding your goals is more important than defaulting to “safe” investments.
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With 4 million people retiring every year, there are bound to be “bad actors” out there in the financial planning world. How do you spot them?
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On this episode:
- Why is there a disconnect between what people want and what financial advisors provide?
- Don’t fall prey to “bad actors” in the financial world.
- What are the actual steps to dialing back your portfolio risk?
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The #1 concern every year among retirees is the fear of running out of money. Some advisors are saying, maybe that’s on us.
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On this episode:
- How will you spend in retirement?
- Should your kids know the details of your will?
- Vanguard: Will two wrongs make a right?
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Even a national group of financial advisors admits the term fiduciary is vague and, in their words, “means nothing.” Greg gives his opinion on the topic and what is more important when searching for retirement assistance.
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On this episode:
- 3 straight years of double digit returns in the stock market. What are the chances it will happen again?
- The more money you make in retirement, the more benefits you lose. How do you balance it out?
- What many DIYers miss in retirement planning.
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You are invited to submit your questions about investing and retirement with our web site Askgregradio.com. This week we handle a question about your 401(k) and other tax deferred accounts.
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Hertz is using AI to find tiny dings in rental cars to charge more. What are the dings in your retirement accounts that are costing you money?
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On this episode:
- A thought that might change your whole attitude about retirement.
- Fees, taxes, and overlapping. A few things to watch out for in your 401(k).
- Putting your retirement in jeopardy because you want to help your kids.
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Is your emergency account considered safe money? How does your pension fit in? One retiree is confused about the messages the financial industry is sending.
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On this episode:
- A retirement lesson from Oreos.
- How advisors and clients differ on the market risk discussion.
- Does your advisor do estate planning, or does he/she just pass out business cards?
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Switching the deed on your home to your kids may seem like a good idea, but it can lead to problems. We break them down.
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On this episode:
- How much should we listen to the market predictors?
- The pros and cons of your 401(k) choices in retirement.
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When you turn 73, Uncle Sam says you have to start taking money out of your 401(k) and IRAs. But what if you don’t need it to live? Does it become a big tax headache? Greg breaks down how the RMD options.
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On this episode:
- We have a list to button up your estate planning concerns.
- Your RMD may be nothing to fear.
- The magic of deferral.
- Retirement investors have a different view of this stock market.
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New rules about the 401(k) catch-up provision means you could lose some of your 401(k) options.
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A smart rabbit has three holes. It’s good to have options when trouble strikes. Do you have the same strategy in place for your retirement money?
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Annuities used to be the work of the devil, today they are a viable income source. 401(k)s were the savior when we lost pensions, today they are full of problems. What changed?
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On this episode:
- You could lose over $11 thousand in next years 401(k) changes.
- For years they hated annuities and loved the 401(k). Now the headlines have flipped. Why?
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Inflation is now number 2 on the list of concerns for retirees. Should it be?
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On this episode:
- This isn’t our first Government shutdown. What does history tell us?
- Financial Advisors may be making a change on how they get paid.
- You have a lot of options on how to use your 401(k). How do you decide?
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On this episode of Fire Your Financial Advisor by Golden Reserve:
- Yelling “Uncle!” doesn’t help get your 401(k) out of a financial headlock.
- What are your exit ramps from a market crash?
- Is your retirement strategy too complicated?
- Sometimes boring is better.
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We go through the list from Kiplinger of "The Five Golden Rules of Retirement Planning" including figuring out your Five “L”s.
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On this episode:
- Estate Planner and Golden Reserve Founder Tim Stallings joins us to talk about inheritance and long-term care planning.
- Why are people moving toward dividend paying stocks?
- An 80-year-old with a big tax problem.
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Private equity, IPOs, Bit Coin, and more non-traditional investments may appear in your 401(k) soon. Should you be interested?
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On this episode:
- Is the fear of running out of money a farce?
- How much could advisor and investment fees cost you over your retirement?
- What are we talking about in our year end meetings?
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There are a lot of financial rules that you will find on Google. We found seven that you can throw in the trash.
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On this episode:
- Has retirement planning become like “the new math”?
- Inheritance: When you look at your kid and say, “there’s no free lunch.”
- When all the retirement numbers look good, what are you missing?
- Be aware of what they might slip into your 401(k) Target Date Fund.
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Most of us are worried about the stock market or taxes taking our retirement money. But there is another villain out there and it could be the biggest thief of all.
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Social Security, Medicare, and RMDs. Retirement is just different. Most people don’t have 1 million in savings. Does that mean you won’t have a happy retirement? Work throws you an early retirement curve ball. How does that change your planning?
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We were shocked when we found out that AOL was still around. We are even more surprised to find out that some financial advisors are still using these outdated ideas.
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Motley Fool says without some money in the stock market you risk not achieving the growth you need for a long retirement. Are they correct?
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On this episode:
- Many people will get an inheritance, but many are not ready for the issues surrounding it.
- Markets, Fees, and Healthcare can be big costs in retirement. Are you ignoring your biggest threat?
- Social Security has been around for 90 years. Will it make it another 90?
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The financial media now says we need 1.8 million dollars to retire. That doesn’t square with what couples actually spend. We have those numbers.
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On this episode:
- How much should we follow the investment moves of people like warren Buffett?
- New data on what people need and spend in retirement.
- A retirement lesson from George Carlin.
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One big company just cut their stock dividend in half. Is this a trend?
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On this episode:
- Taxes, the markets, inflation, and your health. Don’t assume it will remain the same.
- How often do you hear from you advisor?
- It’s a problem, but a good problem.
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Many seniors skip this retirement tax strategy. Then they get into their 70s and regret it.
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On this episode:
- Social Security may cut your check soon by 20%. What do you do?
- Is your 401(k) loaded with fees?
- How many financial advisors are turning to…GASP…annuities to fill retirement income needs.
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The rule of thumb is that you need to replace 80% of your current income to continue your lifestyle in retirement. Does that formula work?
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On this episode:
- Protecting your assets against the high cost of long-term care.
- Should you put your kids on the title of your home?
- You can’t handle work one more day, but you feel you are too young to retire.
- Will the market go up another 150% in the next 10 years?
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Can you replace some or all of your paycheck in retirement? It’s an issue many of us don’t know how to solve.
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On this episode:
- Taxes, Social Security, and Medicare: What are the changes under the Big Beautiful Bill?
- We are all scared of the next stock market crash. Should we be?
- How can we solve the problem that scares retirees the most?
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There is lots of advice out there on where to put your money. We have a list of 7 places NOT to put your money.
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On this episode:
- What to do when your advisor makes a mistake.
- Avoid these places with your retirement money.
- How does all the talk about interest rates effect you?
- A retirement lesson from the Road Runner and the Coyote.
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What happens when your financial advisor won’t call you back? We break down the risks, the red flags, and what to do when silence costs you.
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You see it in the financial headlines. How much should I have saved at this age? For some reason we want to know how we are doing compared to everyone else. Is that a good thing or not?
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TINA (There is no alternative) is how people feel about the stock market. If you want growth, it’s the only game in town. But is that true?
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On this episode:
- Don’t be Bad Santa when sending money and assets to your children.
- The upside and downside of living into your 90s.
- A down stock market isn’t your only enemy in retirement.
- 4 trillion dollars are in these funds in 401(k)s and maybe they shouldn’t be.
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Clint Eastwood doesn’t want to do sequels when he makes movies. Are you stuck in a financial plan that is “the same old thing”?
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On this episode:
- Moving on from the scarring of the 2008 financial crisis.
- Where is your comfort zone with cash, and what should that account be used for?
- Retirement laws are constantly changing. How do you stay ahead?
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June is Dog Bite Awareness Month. How much of a bite will Uncle Sam take out of your retirement money?
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On this episode:
- A new study says with savings and Social Security together your retirement money could last 40 years or more.
- At what point should you start to ease out of the stock market?
- You’ll be shocked at how many people are having a successful retirement and don’t have a million dollars.
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Some boomers are electing to skip their kids and send their inheritance down to their grandchildren. We explore the pros and cons and what to watch out for.
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The Fire Your Financial Advisor Podcast by Golden Reserve is for every-day retirees.
Join us each week for straight shooting, honest advice on protecting your assets from taxes, market risk, fees and long-term care.
We'll also challenge financial advisors and the fees the trillion-dollar industry takes from your hard-earned savings.
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On this episode:
- A new study says maybe you won’t run out of money in retirement.
- What are the potential trouble spots in your retirement plan?
- Skipping right to the grandchildren for inheritance.
- Classic lines from the financial industry that don’t hold up.
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When you get into retirement, you’ll pay fewer taxes…right? Not always. We have a story that shows how important it is to consider IRA-to-Roth conversions in your 60s.
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On this episode:
- Developing a “pension-like” income.
- Is your Financial Advisor communicating or are you in a blackout?
- A possible snag in the IRA-to-Roth conversion.
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Greg Aler talks about minimizing taxes on your IRA and 401k in retirement, how improper tax planning could cost you half your savings and strategies to help you keep more of your money.
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The fear of running out of money in retirement is real, even for people with a lot of savings. What will it take to give you the confidence to spend and enjoy your retirement?
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ATM fees, checking account fees, airport baggage fees... it adds up. It may pale in comparison to the fees you will pay in retirement. How does Golden Reserve fight it?
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On this episode:
- Buy and hold. Keep politics out of your investing. Don’t lose money. Can we still follow Warren Buffett’s advice?
- The huge unseen financial bill in retirement.
- Many baby boomers are rolling out of their IRAs and 401(k)s. Watch out for these missteps.
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Many people move to warmer weather in retirement. What about moving to lower taxes? Some states like Florida and Texas can give you both. Is it worth it?
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On this episode:
- Some studies say people would rather die than run out of money. Golden Reserve can help with our Income Forecast.
- The "rich guys" sold stock to bolster their cash reserves. Should you do the same?
- Long Term Care policies are expensive, and the rates keep going up. What can you do?
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Many of us have resigned ourselves to: You need your money to grow, so I have to be in the stock market.... Is that true?
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On this episode:
- In retirement, should you be in the stock market at all?
- THIS could cost you $300 thousand or more in retirement.
- Uncle Sam looks at your 401(k) like a big juicy steak.
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Estate Planning Attorney Tim Stallings joins us to discuss what most people do (and what they shouldn’t do) when getting an inheritance.
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On this week's episode:
- Is Chasing Stock Gains Worth the Stress in Retirement?
- The Power of Roth Conversions
- Annuities: The Missing Piece in Your Retirement Plan?
- Are Your Retirement Dreams Getting Lost in Market Noise?
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You see the commercials about it all the time, especially when the market is volatile. Is gold something you should be looking into?
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What do you want to know about your money right now? We look at an article that boils it down to 4 questions.
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We know markets go up and down, but when we see a plunge, it always seems to take us by surprise. How do you stop the losses and prevent this from happening in the future?
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On this week's episode:
- Is your financial advisor’s advice helpful during this market volatility?
- Spending YOUR money vs THEIR money in retirement.
- Why this might be a great time for an IRA-to-Roth conversion.
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William Bengen created the 4% rule in the 1990s. Now, Bengen says INCREASE your exposure to stocks while you’re IN retirement. Greg disagrees…LOUDLY.
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On this episode:
- How Wall Streets’ concerns and your concerns aren’t the same.
- Gold is going up, should you consider investing?
- More “paint by numbers” advice from the national financial media that isn’t helping.
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Are you prepared for the rising costs of long-term care in retirement? The average cost is now $10,000 a month and could double in the next 25 years. Many retirees mistakenly believe Medicare will cover these expenses, while in reality, it does not. Are there legal solutions that can safeguard your estate and ensure you can afford quality care? Greg discusses.
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On this episode:
- $1.5 million, $1.6, $1.7....the number keeps going up. How do you figure out your number?
- Financial advisors charge by how much you have saved. Why?
- When you look back on your life, will you leave memories, or money? And which is most important?
- Financial headlines can make you dizzy. How do you filter the facts from the fiction?
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Dave Ramsey has helped a lot of people get out of debt, but his advice on Social Security is suspect.
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On this episode:
- Is this market event short or long term?
- Learning from a common retiree mistake.
- Getting rid of waste and inefficiency in your retirement plan.
- Options for income in retirement.
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If you are traveling internationally, you have to know the rules about what you bring home. That story brought us to discussing the unknown rules we all need to know about retirement.
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On this episode:
- Watch out, financial advisor fees are coming for you.
- What is stagflation and is that where we are headed?
- What is missing from your 401(k)?
- Forced early retirement is very common.
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The 401(k) comes with lots of rules and most of them are telling you not to touch it until the Government says you have to. How is that making your retirement better?
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On this episode:
- For once in your life, it’s all about YOU!
- Trying to hit a financial homerun before retirement.
- You save it, why can’t you spend it in retirement?
- Uncle Sam is hungry, how do you keep more of your retirement money?
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Just because the chef wears a white smock doesn’t make them a great cook. Just because your financial advisor says they do retirement planning doesn’t make them proficient at it.
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On this episode of Expedition Retirement:
- There are a lot of levels of chefs. There are a lot of levels of retirement planning. Do you have the right chef?
- Many people have a hard time making the emotional adjustment to retirement. How can our Roadmap for Retirement help?
- If the Trump Tax Cuts aren’t renewed, the window for lower taxes and conversions may be closing.
- Mark Cuban says: "The stock market is for suckers."
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One financial talking head said "This is a time for risk management, not risk avoidance." What does that mean, and does it apply to you?
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On this episode:
- 4 ways to develop income in retirement.
- Would you trade higher taxes for more retirement security?
- How the 401(k) comes up short.
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Many times people who seek help planning for retirement are more successful than those who don’t. So why do 75% of people NOT use a financial advisor. We go through the list and show how Golden Reserve is changing the story.
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Golden Reserve Founder Greg Aler and Retirement Planner Phil Huff discuss markets, risk, AI, investment fees, and the real story behind your Social Security benefit.
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After the Super Bowl, every team is looking to rebuild or refresh for next season. Is it time for you to do the same thing with your retirement plan?
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On this episode:
- What do we usually see when people come in for a second opinion?
- Don’t be Bad Santa when passing down money.
- How Golden Reserve is different with how you pay for services.
- As you plan don’t forget what happened in 2008.
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You’ve saved and saved over the years. What does that mean you will get per month in retirement? Social Security is one part, what about the rest?
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On this week's show:
- Evaluating what you pay and what you get from your financial advisor.
- Don’t saddle your kids with a huge tax bill.
- You want to sell your business to fund your retirement? Timing is key.
- What will your paycheck be each month in retirement?
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In your 20s, 30s, 40s and even 50s, you may have put a lot of money into the stock market. But in retirement they tell you to pull back on that risk. Is there a percentage that most people use?
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On this week's show:
- Having your money at risk may be ok when you’re young. What should your stock market risk be in retirement?
- The financial question no one can answer.
- Should you pay your conversion tax bill with savings or your IRA?
- Is your future annuity payment in danger because your insurance company is stretched?
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The last wishes of a family member should be spelled out in a will. But what if that will has surprises and causes family problems? It happens a lot. How can you avoid it?
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On this week's show:
- Why is 2025 a good year to retire?
- When Grandpa’s last wishes seem unfair.
- Worried about running out of money? One professor says go all in on the stock market.
- What will be your legacy when you are gone? Money or memories?
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The current model that Wall Street uses for financial planning is: The more you have, the more they get paid. Does the kid who mows your lawn charge more because of the price of your house? No. It’s a weird model and Golden Reserve is trying to change it.
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On this week's show:
- Thinking about your tax bill 20 years from now.
- Going from worry to wonder with your retirement.
- Wall Street’s model of paying for financial services works for them but not you.
- Those unused gift card are dead money. Do you have the same in your 401(k)?
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You can put a nice number in your retirement savings, get a handle on your Social Security and Medicare, and even have an allocation and withdrawal strategy for your accounts. But that is not even half the battle. Here are the Top 5 things people miss when they do their own retirement planning.
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On this week's show:
- Interest rates, the politics, the Fed, and the markets. What happened in 2024 and where are we going in 2025?
- The boulder people forget about in retirement planning.
- A million dollars should be enough in retirement savings…isn’t it?
- Want to do-it-yourself? Here are the Top 5 things people miss.
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We’ve seen it before: the big names in financial services paying huge fines. It’s happened again. This time with Edward Jones.
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Many people have a year, an age, or even a date when they want to retire. Something interesting happens as soon as they set that date.
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On this week's show:
- There is a lot of optimism for 2025. Should you believe (and invest) in the hype?
- Uncle Sam tells you what to take from your 401(k) at age 73. Should you listen?
- Legal documents everyone should have.
- The ups and downs of taking Social Security while you are still working.
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What does the word "fiduciary" mean? If all fiduciaries work in your best interest, why do they charge the way they do?
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On this week's show:
- Dave Ramsey gets into it with a caller who disagrees with his investment philosophy.
- If you have a pension, how do you determine whether to trust the company or take the lump sum?
- Five things that you should do five years before you retire.
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If you sit in the luxury box at the football game, you would think the food and drinks would be free…not so at Allegiant Stadium in Las Vegas. The better your seat, the more you pay…for EVERYTHING. This is not unlike how you get charged on your retirement accounts.
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On this week's show:
- Will the Trump bump continue? Is it full speed ahead or proceed with caution?
- What you pay for financial services depends on where you sit.
- How is your retirement readiness?
- What do you value most, the growth or protection of your money?
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"As long as the stock market goes up, take 4% of your money and you’ll never run out." That’s the theory. Does it work?
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Some say that the decision of when you take Social Security could be your biggest decision in retirement. Greg disagrees, and many retirees feel the same way.
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Most people agree on the big issues of retirement. But there is a difference between planning for the facts and planning through the emotions and uncertainty.
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On this week's show:
- What is real and what is perceived about retirement can be two different things. How do we plan for both?
- Some of you can put more in your 401(k) in 2025. Do you qualify?
- Avoid these spending mistakes in retirement.
- Why do people switch advisors and is it difficult to make that switch?
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Lower capital gains, eliminating taxes on Social Security, lower estate taxes, and the deregulation of Wall Street. These are all issues that could affect your retirement. Will the next Trump administration make it happen and how will it affect you?
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On this week's show:
- Each new administration has different ideas about taxes.
- How will a second Trump Presidency affect your retirement planning?
- Estate Planning and Golden Reserve Partner Tim Stallings joins us to talk about losing a loved one.
- Time Shares, Boats, RVs, and that trip to Alaska or Hawaii. Which of these will you regret in retirement?
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McDonalds has finally fixed the problem with the shake machines by hiring an independent company to fix them. Why is it important to hire an independent financial advisor rather than going to the big box firms?
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On this week's episode:
- Do you have a strategy for the next market pullback? \
- Your next bank statement may show why banks are having a record year.
- There is good debt and bad debt. How much should you carry into retirement?
- If you inherited some money, why would your financial advisor be worried?
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When we face an uncertain future, we get nervous. How can we help you turn your retirement worries into retirement confidence?
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On this week's show:
- If most of your money is in a 401(k), here’s a question you should be asking.
- Suze Orman is at it again, saying you haven’t saved enough. Is she right?
- Tax-smart ideas of how to pass money down to your family.
- Many of us are scared about the unknowns of retirement. How can you temper those fears?
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The Trump Tax Laws are set to sunset at the end of 2025. If he doesn’t win another term as President, it could happen sooner. Either way, what does this mean for you as a tax payer and a person approaching retirement?
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On this week's show:
- Major League Baseball stadiums are all uniquely designed, with different dimensions. How unique should your retirement plan be?
- Google is stepping up it's estate planning benefits for employees.
- Many people are delaying their retirement because they think they need more. Is that necessary?
- The Trump Tax Cuts may come to an end at the end of 2025. What does that mean for your retirement planning?
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You probably know your investments should be diversified. What is TAX diversification?
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On this week's show:
- The financial media math on retirement savings just doesn’t add up.
- Is now a good time to pull some money out of the stock market?
- What is the preferred way to develop income in retirement?
- The way the 401(k) was designed is not the way it has turned out.
- Looking back, what would older retirees do differently?
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We all have different needs for retirement and every retirement plan is unique. But is there a model we can use as a guide that handles many of the retirement boulders? Greg Aler shows us how Golden Reserve finds what fits for you.
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On this week's show:
- Why does the financial media say we need MILLIONS to retire comfortably?
- Can you get rid of one of the biggest drags on your retirement money?
- Many people have put their life on hold until after the election, including their finances.
- Greg Aler outlines the Golden Reserve portfolio model.
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When someone says "estate plan", you may have visions of celebrities and people with lots of money, big houses, and yachts. That’s not really the case.
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On this week's show:
- How the financial industry wants you to focus on one thing for retirement.
- Your 401(k) isn’t a piggy bank, even if you have a pension.
- The warning signs of talking about guaranteed income.
- You don’t have a mansion or a yacht. Do you need and estate plan?
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The headlines are full of “the fear of running out of money.” Is it real or just fear tactics from the financial industry?
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On a special edition of the Expedition Retirement Podcast, Greg Aler of Golden Reserve sits down with Johnny Van Zant & Rickey Medlocke of legendary rock band Lynyrd Skynyrd to talk why music from the 70s still resonates today, the band's new Hell House Whiskey, and little bit of financial advice.
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On this week's show:
- The Fed has started to drop interest rates. Is this a good or bad thing for people getting ready for retirement?
- A new way financial advisors are learning to deal with risk.
- Do you really have to be scared of running out of money?
- How do you deal with the maze of Medicare?
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You may not itemize on your tax return now, but you might in retirement. How will your tax picture change in retirement and how the Golden Reserve Tax Map can help.
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On this week's show:
- AlerStallings Co-Founder Tim Stallings joins Greg to talk about inheritance and your kids blowing through that money, the scary word that is Probate and creative ways to do legacy planning.
- Greg recently sat down with Johnny Van Zant and Rickey Medlocke of the rock band Lynyrd Skynyrd.
- Why you should bring your spouse to your retirement planning meetings.
- James Brown gave Eddie Murphy some interesting financial advice.
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There is a lot of talk about the Federal Reserve. Will rate cuts effect your retirement in any way?
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On this week's show:
- The Fed is about to cut rates, are the good times over?
- What is your retirement confidence based on?
- Warren Buffet watched his kids and changed his will.
- Why all the fuss about Social Security?
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A 4th quarter meeting with your retirement planner should be more than just a check in. There are important issues involving rebalancing, tax and planning issue to revisit. Are you missing anything?
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On this week's show:
- What should (and should not) guide your investment decisions.
- Language that should be a red flag with your financial advisor.
- What your end of the year meeting should be addressing.
- What to consider when retiring early.
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On this week's show:
- When is the right time to talk to a retirement planner?
- The tax planning idea you should grab onto with both hands.
- Five ideas to consider if we go into a recession.
- Another reason why the 4% withdrawal rule doesn’t work.
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The financial talking heads are still predicting a recession. If it happens, how do you protect your recent gains and your retirement nest egg?
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A woman writes into "Market Watch" because she’s worried that a financial advisor will charge too much and lose their retirement money.
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On this week's show:
- Her husband said, “You do all the retirement planning.” And she doesn’t trust financial advisors.
- Did “stay the course” work this time, or should you see it differently?
- Can boneless chicken wings have bones? And what can that teach us about retirement?
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1.2 million, 1.8 million…the numbers are crazy about how much we need to save. We’ll show you how they got there and why they’re wrong.
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On this week's show:
- The financial media math on retirement savings just doesn’t add up.
- Is now a good time to pull some money out of the stock market?
- Does using a retirement planner move your retirement date up?
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They say the stock market takes the stairs up, and the elevator down. Losses happen quickly. Can you protect yourself from these times but still have growth?
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On this week's show:
- How should you view these big one-day market drops and what can you do about them?
- We want income in retirement. How do you build it?
- Markets, taxes, fees and long-term care, they all want your retirement money.
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There’s nothing fun about losing money. Yet we put our money in a stock market that regularly goes up and down. How do you navigate that?
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On this week's show:
- Vanguard reveals how their clients use their 401(k)s.
- Pullbacks are a part of the market, but what about you?
- Many people plan their retirement date, few follow through.
- More fines for Edward Jones.
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People in their late 70s and 80s talk about the things they would have done differently early in retirement. Their answers may surprise you.
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On this week's podcast:
- Elder law attorney or estate planning attorney? Which do you need?
- What is the preferred way to develop income in retirement?
- The way the 401(k) was designed is not the way it has turned out.
- Looking back, what would older retirees do differently?
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Over 30% of retirees are terrified of what taxes will do to their savings. How can Golden Reserve help with our complimentary Tax Map?
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Inflation is now the #2 concern for people planning for retirement. Should it be? Can you build a plan for it?
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On this week's show:
- You might be surprised to find how our current inflation rate compares to the last 60 years.
- Many retirees want a “do-over” for this part of their planning.
- Active management vs passive management: Who does better in the end?
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Hedge funds and alternative investments with crazy high returns may sound sexy. But there are some facts you need to know.
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The financial media tells us that we need these HUGE numbers that we must save for retirement. You might be shocked to find most of us aren’t reaching those numbers, but many of us are doing just fine.
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On this week's show:
- Do you need a financial planner AND an attorney for retirement?
- How an Asset Protection Trust could help.
- Would you take a test that predicts if you could get dementia?
- How many people have saved a million dollars for retirement?
- Five qualities that show you may be more ready for retirement than you think.
- Talking about the subject of Greg’s next book…The “A” word.
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Should you pay more for a financial advisor simply because you’ve been a better saver? Greg says no. It should be based on services. It looks like some in the financial industry are starting to agree.
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Greg is a very accomplished chef, and he can spot a cooking gimmick a mile away. The same way he can spot a financial gimmick in your 401(k).
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On this week's show:
- Is it time to take some 401(k) profit?
- You want income in retirement, how do you create it?
- Reasons you need a new retirement planner.
- One 401(k) selection to think twice about.
- Do people really run out of money?
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There are 5 things that Greg sees many people enjoy and spend their money on in retirement. Maybe you should too.
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On this week's show:
- How Golden Reserve wants to give you permission to spend.
- Fees in retirement planning should be based on services, not your balance.
- Actor Bradley Cooper became a caregiver to his dad, and it changed his life.
- Do you really need one million dollars to retire?
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The fear of running out of money is so real that many people are simply not spending in retirement. Greg’s mission is for you to have a plan that gives you the confidence to spend.
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On this week's show:
- Stupid retirement rules we have to deal with.
- Who’s getting sued over fees?
- Why is Uncle Sam is cheering on your 401(k)?
- The one retirement issue that comes in dead last.
- 400 people working on this every hour and every day, still can’t get it right.
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Many people get to retirement and find they have underestimated how much money they will need each month. How does an income plan keep up with your changing income needs?
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On this week's show:
- The market is whipping up and down. Does your retirement account have to do the same?
- One of the biggest complaints in retirement is: I thought I would have more spending money.
- The downside of taking your pension in a lump sum.
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Estate Planning attorneys Greg Aler and Tim Stallings talk about taking the shortcut of using Legal Zoom or any online service to develop a will.
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On this week's show:
- How doing the math on your retirement can make it real.
- Finding the dirt in your portfolio.
- The pitfalls of estate planning shortcuts.
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Financial lessons in life can come from many difference places, but sometimes the example that you see day in and day out from mom can be just as meaningful.
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On this week's show:
- The market ups and downs continue. What does it mean to retirement savers?
- A phrase you don’t want to hear from your financial advisor.
- After Social Security and 401(k)s, where does your next check come from?
- Financial lessons from Mom for Mother’s Day.
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On this week's show:
- Greg outlines the most common mistakes he sees people make as they plan for retirement.
- When it comes to taxes, there are the informed and the uninformed. Which are you?
- Is gold a good idea to protect yourself from a market crash?
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You see the ads on TV and radio. Now even Costco is selling gold. Should you include gold in your retirement portfolio?
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On this week's show:
- The conversation about protecting your money goes further than simply guarding against a market pull back.
- Estate Planning Attorneys Greg Aler and Tim Stallings dive into the legal issues you need to address in your retirement planning.
- Why financial advisors DON’T want you to spend your money.
- Signs it’s time to move on from your current financial advisor.
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Is your financial advisor giving you the value you deserve? Are they focused only on investments or retirement planning? Is the advisor that got you TO retirement the same advisor that should guide you THROUGH retirement?
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Only 18% of retirees have a written retirement plan. If you want to put it down on paper, where do you start?
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On this week's show:
- What does this falling market and rising inflation number mean to you?
- Why no one is talking about advisor fees, but they should be.
- What happens if you want to retire before Medicare age?
- The tax trap of the 401(k).
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Where else in the world do they charge you for a product or service by how much money you have? NO WHERE! Except the financial industry...
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Greg Aler is joined by Golden Reserve Retirement Planner Phil Huff to discuss: Financial industry fees, holding your financial advisor accountable, Social Security, how widows get hurt by taxes, and how the financial media scares us into believing we need to keep working to attain a number.
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Your 401(k) will probably be your biggest retirement asset. Let’s not make a mistake. We look at the good and bad of 401(k) decisions.
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On this week's show:
- Interest rates are up. It’s bad if you want to buy a house. It’s great if you’re close to retirement.
- The dos and don’ts of your 401(k) in retirement.
- Congratulations! You’ve saved 600k. Is it enough?
- One commentator says, “Retirement is Stupid.”
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We save and save for retirement. Then all of a sudden, it’s here and we have a hard time making the transition between the saving mindset and enjoying our money. Greg shows how the financial industry is partly to blame.
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On this week's show:
- Medicare does not pay for long term care. How do you prepare if it happens to you?
- How your Roth might figure into tax and estate planning.
- Which buckets should you pull from first in retirement?
- How spending trends go in retirement and how you should enjoy your money.
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You raised your kids and put them through school. You have dedicated your life to your family and career. Retirement is supposed to be a time to put YOU first. But many people have a hard time doing that.
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On this week's show:
- Being selfish is usually a bad thing, unless it’s in retirement.
- Why people over 75 are still in the workforce.
- How the lesson of the "hot stove" is being used in income planning.
- Taxes aren’t fair, unless you are Uncle Sam.
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If you talk about an annuity for retirement planning, you may get a negative reaction. If you talk about what an annuity does without calling it an annuity, people respond positively. What’s the problem here?
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On this week's show:
- Is there an anchor on your 401(k)?
- The tail end of the baby boom has a retirement problem.
- A retirement lesson from George on "Seinfeld".
- The Rolling Stones just passed up a half a billion dollars.
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According to some studies, if the Government gets rid of the 401(k), they could save Social Security. Is there any truth to that?
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On this week's show:
- Some say the 401(k) will be gone in 10 years. Would that be a good thing?
- Dealing with the retirement issue no one wants to talk about.
- Why do-it-yourself investors eventually ask for help.
- What are the biggest missed opportunities in retirement planning?
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Everyday in the financial headlines you can find people who believe the markets will soar and others who believe we are on the edge of disaster. Greg tries to gives us some perspective on how to sift through all the noise.
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On this week's show:
- Time may be running out to maximize your IRA-to-Roth Conversion.
- Your 401(k) comes up short by not providing income. How do you fix it?
- What will your out-of-pocket expenses be for healthcare in retirement?
- Tom Selleck gives us a retirement lesson about risk.
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Every year there is a new number the experts say we need to retire. It keeps going up. But Shark Tank’s Kevin O’Leary has taken it to a new level.
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On this week's show:
- The latest eye-popping number we need for retirement.
- Part of the financial industry needs a warning label.
- How reliable is Jim Cramer?
- What we usually miss in tax planning.
- A new idea for your 401(k) that has real merit.
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Lainey Wilson is a Country Music star and a part on the hit show "Yellowstone". But even with all her success, she still struggles with spending money. Many retirees have the same problem.
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On this week's show:
- Are the 2024 retirement rules changes helping or hurting?
- Should Social Security use the stock market?
- Lainey Wilson needed to borrow $100 for Taco Bell.
- Mom said, “Don’t touch the hot stove.”
- The financial industry has the same lesson with your 401(k).
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Greg Aler and Phil Huff of Golden Reserve look at an article for financial advisors on how to justify charging you more.
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- A 68-year-old widow questions her advisor’s tactics.
- New verbiage advisors are using to take more of your money.
- Is the object of retirement to “die with zero?”
- Have 401(k)s made any improvements in the last 10 years?
- Is your retirement plan missing a pilot?
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Bitcoin gets a lot of press. But how do you invest in it? The SEC has now made it easier with a Bitcoin ETF. Should you make it a part of your portfolio?
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Even though Jordan Belfort was wildly successful as a wall street trader, he has a very low opinion of financial advisors. Greg agrees and shares why he feels that way.
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- Jordan Belfort, “The Wolf of Wall Street,” is out of jail with surprising financial advice.
- Why part of the Golden Reserve Roadmap for Retirement is to do your taxes each year.
- How to recover from your financial mistakes.
- You have most of your savings in a 401(k). Is it on autopilot?
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We look at interest rates, the Fed, markets, regional banks, The Magnificent 7, and more.
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It’s the number one fear of people preparing for and in retirement: Running out of money. How the Golden Reserve "Roadmap for Retirement" can help you overcome it.
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The headlines when the 401(k) came out were great. Now that we are using it in retirement, the headlines have changed. How do you overcome the main drawbacks of the 401(k)?
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Moving money from a taxable bucket to a Roth can help with your tax liabilities in retirement. Is there a point when it’s too late?
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- How much cash is your advisor telling you to have on hand?
- Should you be buying insurance in your 60s?
- Is your 401(k) working overtime or stuck in a rut?
- Another celebrity who should have done better estate planning.
- Is there an age when Roth conversions no longer help?
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Should you rely on your retirement savings to kick off income and never touch your principle? We talk about creating income from your 401(k) and the idea of spending some of your principle.
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- Why is “spend down” a dirty phrase in the financial world?
- Can anyone really tell me what a fiduciary is?
- Batman has lost Robin at Berkshire Hathaway.
- New ideas from the Senate and the White House to save your retirement money.
- Ron Barron explains his plan to beat inflation.
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Yahoo Finance compiled a list of things you need to look at in the 5 years before retirement. Greg breaks them down and talks about how Golden Reserve's Roadmap for Retirement can help prepare for that day you hang up the cleats.
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- Is running out of money a real thing or a financial industry scare tactic?
- A pension company trying to up your fees.
- Are you a list maker? Time for your retirement checklist.
- Dave Ramsey is taking a lot of heat for a controversial statement.
- How much more money will you make working with a financial advisor?
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We all forget things, but when you see a pattern with your parents, what do you do? How do you step in to prevent a financial mistake due to cognitive decline?
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You’ve probably seen people who jump into a tub of ice water or into a hole in a frozen lake. The idea is that it’s such a shock to your system that you forget about stress and all the problems of your life to focus on one thing…getting warm. Greg Aler is an advocate of it. He talks about why and the “shocks to the system” that can happen in retirement.
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- If you get the financial green light to retire DO IT!
- How too much risk can jeopardize your retirement dreams.
- Shaq has a great lesson for us about preparation.
- The financial industry wants you to believe that Social Security and your 401(k) is not enough. Is it true?
- Legendary record producer David Foster and his wife-singer Kathrine McPhee talk about their career and new documentary.
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The number one fear of people going into retirement is running out of money. Is it real or is it a manufactured fear that the financial industry wants you to believe?
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- Should you be worried about or should you celebrate higher interest rates?
- Myth Buster: Addressing the number one worry of people getting ready for retirement.
- Now that we are using our 401(k), is it coming up short?
- Passing down your financial legacy takes some planning.
- What is the right time to do a 401(k)-to-Roth conversion?
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We’ve all heard of generation gaps. Different age groups have a hard time relating due to the ways they communicate. It can happen between financial advisors and their clients. Greg breaks down the biggest offenders.
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- How can you be tax efficient with your withdrawals?
- Greg plays myth buster with what number the financial industry says you need to live.
- Walking away from your employer paycheck is tough. The Golden Reserve income tent can calm those emotional worries of running out of money.
- How to approach the mental decline of mom and dad.
- My financial advisor seems smart, but I don’t understand what he’s saying.
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A couple planning for retirement seems to have done a great job, yet they still wonder if they have enough if one of them needs long-term care. How much is enough?
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- Higher interest rates are actually helping pre-retirees.
- Why our retirement system is broken.
- Can you roll the dice on paying for long-term care?
- Taking Social Security while you are still working can cause a tax problem.
- What you need to know about Medicare.
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Halloween is coming up. Is your retirement plan about to run into Jason, Chuckie, Freddy or Ghostface?
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- How much do wars and other global events affect our stock market?
- 70% of Americans would leave their financial advisor if they don’t provide tax planning.
- Is your retirement plan a horror movie waiting to happen?
- 2008 saw the market go down by over 50%. Many of us are holding positions doing the same thing.
- Can you trade up to take advantage of these high interest rates?
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We like to say, “Fees are what you pay, value is what you get.” Are you getting value for what you are paying your financial advisor?
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- Cutting through the financial noise of CNBC and Fox Business.
- What everybody is asking about their 401(k).
- How has retirement planning “jump the shark?”
- We pay fees in many areas of our life. Does that make it ok with your retirement accounts?
- Home is where your dog lives, and your tax bill.
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We highlight a study that puts investors with perfect market timing against those with other simple strategies. You’ll be surprised at the results.
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- Market investing doesn’t have to be as complicated as they say.
- The S&P 500 has been flat for two years. What are your alternatives?
- Should you continue with the current rate on your CD?
- What is your Tax IQ and why is it important?
- Is Wall Street focused on the real issues of retirement?
- Why you need a retirement planner, not a financial advisor.
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By law you can’t call Pringles a chip. By law financial advisors must call themselves a fiduciary. At Golden Reserve neither one of these statements make any sense.
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- How much insurance is necessary past the age of 60?
- 85 Trillion dollars will pass from boomers to their heirs. How will you handle those decisions?
- Watch out for “The Name Game” in the financial industry.
- Only 5% of Jimmy Buffet’s wealth came from his music. How did he create his other income and what can we learn from it?
- How the Golden Reserve Tax Map can help you from making a big tax mistake.
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If you have a financial advisor, do you know what you’re paying them each year? Probably not, because the system they’ve built doesn’t include you writing a check each year. But 1 or 2 percent per year could cost you 40% of your retirement nest egg.
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- Higher interest rates have people moving away from the stock market.
- 30 percent of people do all their own investing, until they get to retirement. What brings on the change?
- If you watch for depressed stocks to find a deal, Bill Gates just took a flyer.
- How could advisor fees skim 40% of your retirement money?
- The guy on TV says planning for Long Term Care is easy. Does Greg agree?
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We are conditioned to look at a few things: Our rate of return and our account balance. While those are important factors, there are so many others that are glossed over by the financial industry. At Golden Reserve we are trying to change that.
- What goes into figuring out your REAL rate of return?
- How the Golden Reserve Tax Map can lower your tax bill in retirement.
- The biggest investment company in the world is recommending taking your money OUT of the market. Why?
- The tale of Dan and Stan: two brothers with the same amount of money that decided to retire at different times with different results.
We’ve all seen the anti-annuity commercials from Ken Fisher. Is he telling the truth? What is his motivation? Greg breaks it down line by line.
#Retirement #RetirementPlanning #RetirementPlanner #Annuities #KenFisher
- They say you’ll be in a lower tax bracket in retirement. Is it true?
- What could the Social Security cutbacks cost you?
- What you need to know about the term fiduciary?
- How much of the bad press on annuities is true?
What good is that fancy leather bound binder with your financial plan when it’s sitting in a drawer someplace?
- There are only 7 stocks holding up the S&P 500.
- How the airlines and the financial industry lie to you.
- What good is that financial plan without the planning?
- Is it ok to get into your principle or should you just live off interest in retirement?
- Uncle Sam’s devious plan with Social Security taxes.
- How fees could cost you 10 years of retirement money.
- Don’t assume your retirement will work. Do the math.
Over the next few years, over one third of financial advisors will retire. Where does that leave you? Do you stick with the kid they assigned you to or find someone new?
- Why are 94% of advisors talking to their clients about going back to work?
- There is good debt and bad debt. What about your mortgage?
- Are all those radio and TV commercials right about gold?
- My advisor is retiring. Do I continue with the young guy they assigned me to?
- If you are getting a big inheritance, who do you share that news with?
- If you buy an annuity, is your money locked up like a CD?
The Golden Reserve Long Term Care Compass is a part of every Roadmap for Retirement. Greg discusses ways to deal with the rising cost of Long-Term Care without buying insurance.
- New 401(k) rules that you need to be aware of.
- How long can this stock market go without tipping into recession?
- Should your CPA be your retirement planner?
- Long Term Care insurance is only covering 20% of the bills for our elderly.
- What do you want out of your retirement meeting at Golden Reserve?
Why does every Golden Reserve Roadmap for Retirement include the fee filter? This story is a perfect example. It’s not just the fees on the big millionaire accounts. It’s over-charging on the smaller accounts of the hard-working everyday people like you and me.
- What will it take for you to go into retirement with confidence?
- The Golden Reserve Fee Filter is a part of every Roadmap for Retirement. Today we tell you why.
- You need to replace your paycheck in retirement. If your advisor isn’t using every means possible, are they doing their job?
- Are you using YOUR plan for retirement, or are you following Uncle Sam’s plan?
Many of us put things off until the last minute. Putting off doing the math on your retirement can have consequences. We talk about making today “Day One” of retirement planning.
- When will you seek out retirement advice? Someday? Or will you make today “Day one”?
- Are you overexposed to stock market risk because you are trying to “catch up”?
- What can we learn from the 5-year fight over Aretha Franklin’s will?
- If your advisor hates annuities, do you know the real reason why?
- Should a Roth IRA be part of your retirement strategy?
Your 401(k) is infested with taxes. Your 401(k) has limited investment choices. Your 401(k) can have unnecessary fees. Your 401(k) does not end in a check like a pension. When it comes to retirement planning, is your 401(k) obsolete?
- How can you be master of your money and not allow your money to be the master of you?
- Historically the market returns 7 to 8%. What if we saw an extended time of only 2% returns?
- Why are lawsuits up against fiduciaries?
- Is the 401(k) model now out of date?
- Do you need to wean yourself off of the stock market?
If you like to visit a casino, it’s not shocking that the rules on some of the games are changing in favor of the house. Many people feel that way about the financial industry. How do you identify it and tip the rules in your favor for retirement?
A survey was done about what it takes to be rich. While everyone had a big number in mind, the survey also found that many people aren’t looking at that number and have other definitions of what it really means to be rich.
- What happens when mom and dad leave you without a will and an estate plan?
- No one wants to hear this word at a retirement meeting.
- Are you using your 401(k) as a piggy bank?
- What is your idea of being rich? Is it always connected to your bank account?
Warren Buffett knows investing. He has a warning about what could be the number one enemy of your success.
- How to choose that person to help you through the retirement planning process.
- Wisdom from Warren.
- The marketing campaign against annuities. How much is true?
- You want to enjoy your money in retirement. Does your financial advisor feel the same way?
The US Open is one of the toughest tests of golf. Participants talk about playing defensive and par is a good score. Greg goes through the retirement lessons we can learn from that mindset.
- How did your dad influence the way you handle money?
- The Target Date Fund: 401(k) tool or marketing ploy?
- As you get closer to retirement, should you lean more toward the Roth than the 401(k)?
- What can we learn about retirement planning from blackjack and the US Open?
- What happens if the stock market isn’t kind to you in the first few years of retirement?
- We used to believe a million dollars would provide a great retirement. Why is Wall Street telling us we need so much more?
- The 401(k) replaced the pension. Should we rethink that?
- Rising interest rates have brought back CDs, Money markets, and annuities. How “boring” is the new investing trend.
At Golden Reserve, we regularly point out the conflict between retirement plans designed for you to enjoy your money and financial advisors that get paid more if you don’t spend your money. We highlight a story that clearly shows this flaw in the system.
- What do you absolutely have to get right before retirement?
- Does your family history matter in financial planning?
- How Golden Reserve goes far beyond the cookie cutter portfolio approach.
- Pensions can be great unless you’re single.
- Should you expect your retirement principle to never go down?
- What is the real definition of fiduciary?
You have a check engine light in your car, which means it’s time for a tune up. Is the "check retirement" light going off in your head? What should be your next step?
- Join Greg Aler of Golden Reserve on Expedition Retirement as he dives into the flaws of the financial industry when it comes to retirement planning.
- If your “check retirement light” is on, what is your next step?
- What 89% of people want from their 401(k) but aren’t getting.
- You’ve saved a good nest egg. You’ve won the game, why are you still at risk?
- How tax laws penalize the widow.
- What we can learn from a 10-dollar cookie in Las Vegas.
Finding the balance between the need for growth and the need for protection with your retirement money.
- If you feel stuck in an annuity contract, can you get out?
- Protecting against the nursing home getting all of your money.
- Interest rates keep going up, but for how long?
- Over 30 cents of every dollar you have in retirement will go here.
- Can you build a sustainable retirement on 4% to 5% growth?
Certain financial moves in your life will come by reaching a certain age. Greg runs down the important milestone ages and what opportunities they bring.
- What financial products have the ability to change with the times?
- The Trump Tax Reforms will expire in 2026. How will that affect you?
- How one NFL quarterback showed what was most important to him when he signed his first contract.
- A guide to retirement planning by age.
The Government is constantly looking for new ways to tax us. Greg shows how the Golden Reserve Tax Map can help you cut your tax bill in retirement.
- How much of your retirement money do you want on the blackjack table?
- Will you spend more in retirement than in your working years?
- Interest rates are up. Where should I put my money?
- Having a sensible estate plan for your money.
- Taxes: Do you want Uncle Sam’s plan or your plan?
The financial world is full of warnings about running out of money in retirement. Why doesn’t Wall Street want us to enjoy our money?
- How a Golden Reserve Tax Map can help you reduce taxes in retirement.
- The financial industry spreads fear that you will run out of money. How do you go into retirement with confidence to spend?
- The 60/40 portfolio: Is it making a comeback?
- Why does one 401(k) work better than another?
- Actors, musicians, and pro athletes all use annuities to defer income. Why wouldn’t they be good for the rest of us?
How much should you watch or act on information and predictions that you see on financial TV? Mom always told us, “consider the source.”
- How much should you believe on financial TV?
- Social Security has moved up the date when they will cut back benefits. Will it affect you?
- 70% of people will need some kind of long-term care. Are you prepared?
- How tax planning in retirement is more complex than in your working years.
- If you have a pension, should you trust that it will be there for the next 30 years?
- At what point should you see a retirement planner? Is it an age, a level of wealth or something else?
You want to protect your retirement money, but you also want it to grow. How do you balance that out? Retirement planner Phil Huff talks about the different approach we take at Golden Reserve.
- What is different from the big box firms and Golden Reserve with investment planning?
- Article: Stop saving! Social Security will be enough.
- Are people who have success in retirement just lucky?
- Our checklist of what you want your money to do in retirement.
- How is tax planning different when you stop working?
- How Golden Reserve is helping you fight back against a financial system built more for them than for you.
- Our politicians keep changing the rules on how and when we can access our retirement money.
- Ken Fisher says inflation is dead and this year will be a huge bull market...
- How a Golden Reserve Elder Law Attorney can help with the important legal papers of retirement.
It seems like the Government has your back if your bank fails. Who has your back if you make a mistake in retirement?
- Will the banking crisis affect your retirement money?
- Marriage, divorce, and moving. Make sure your legal papers are in order.
- Why did well know financial author Robert Kiyosaki say, “May God have mercy on us all?”
- Is a retirement calculator a good tool or a waste of time?
The reason Greg Aler wrote “Fire Your Financial Advisor” was the fee model that the financial industry has built. We have another example of someone who has fallen victim to fees way above one percent.
- Banks failing and markets falling: should this be affecting your retirement plans?
- Is 1.6% a reasonable advisor fee?
- Most of the “Get Ready for Retirement” lists are missing some important elements.
- What are your options if you need assisted living or nursing home care?
- Income: we need it in retirement. How do you build the paycheck you need?
One of the most neglected areas of retirement planning is having a strategy for taxes. Every Golden Reserve 'Roadmap for Retirement' includes a Tax Map with a timeline of how to take money out of your IRA in a tax efficient way. CPA Brian Long breaks down how it works.
- You’ve saved all this money, why give half of it back to Uncle Sam? How the Golden Reserve Tax Map can help.
- How much money do you need to save to generate 30 thousand dollars of income per year?
- 70% of us will need some kind of Long-Term Care. How do you plan for it.
- Maintaining your wealth during retirement.
We love our dogs. Over his life, Greg has had three Sheepdogs. Over that time, he has seen their protective nature and believes Golden Reserve embodies that quality in looking after your retirement money.
- Greg’s book “Fire Your Financial Advisor” outlines some of the conflicts created by the current financial industry model. We outline many of them today and show how Golden Reserve is set up very differently.
- Warren Buffet isn’t a big believer in making your kids rich through inheritance. What options do you have to make that money last?
- The check the Kansas City Chiefs got for the Super Bowl was taxed at over 47 percent. Could that happen to you in retirement?
A listener wrote into the “Market Watch” advice column with almost 600 thousand dollars saved and no one will work with him. What’s the problem here?
- Why Greg wrote “Fire Your Financial Advisor.”
- Congress changed the retirement rules again. What do you need to know?
- Ken Fisher says the market will roar in 2023. What does he have to gain by saying that?
- All the advisors I see say I’m not rich enough for them to help me!
- Wills and Trusts. Who needs one and why?
Interest rates are up. This is a good thing for people planning for retirement. You can now get 4 percent or more on a CD and other fixed products. If you are comparing two places to put your money and both are offering 4 percent, how could you go wrong? Greg explains how 4 percent is not always 4 percent.
- Higher interest rates are seeing more people pull out of market risk in favor of fixed products. Are you choosing the best ones for you?
- Greg’s book about the failures of the financial industry is now available. Golden Reserve is offering a big discount for a limited time.
- Another person writes to "Market Watch" wondering if they should leave their advisor.
- There is good debt and bad debt. Should you carry your mortgage into retirement?
- Are you ready to retire? Forbes has 5 questions to ask yourself. Greg has a few more.
The financial industry has built a model where it favors them if you keep your money in the stock market. But in retirement, you need to use that money. These two things do not go together.
- Greg’s book “Fire Your Financial Advisor” is now available!
- Sports betting is exploding. Did you think about the taxes?
- At Golden Reserve, "Financial Advisor" is a dirty word.
- Don’t be a "Bad Santa" and give bad financial gifts to your kids.
- Secure Act 2.0 is a gift from Congress for retirees…or is it?
Every Roadmap for Retirement at Golden Reserve includes a Tax Map and Long-Term Care Compass. What are the legal papers we need to protect our retirement money and how this intersects with tax planning.
- Who needs more education in Ohio: A plumber or a financial advisor?
- Is your financial advisor working for you, or for themselves?
- No one likes to lose money, but if the market is going down how can you avoid it?
- Golden Reserve founders Greg Aler and Tim Stallings talk about protecting your money with wills, trusts, and tax planning.
The Golden Reserve Tax Map is designed for you to pay less in taxes during retirement. We get input from America’s IRA expert Ed Slott about using the Roth IRA.
- Is your Financial Advisor pointing only toward the stock market or are there other alternatives?
- Ed Slott, America’s IRA expert weighs in on the Roth IRA.
- Another story of a financial advisor who isn’t listening.
- Fortune Magazine says, “Your investments should be boring.” Where have we heard that before?
Warren Buffett said, “Right now, bonds should come with a warning label.” If you are looking to put your safe money in bonds, you may be disappointed.
- When it comes to talking about your retirement, don’t let life get in the way.
- Stocks for growth and bonds for safety... Maybe not anymore.
- Long Term Care Insurance is a dinosaur. There IS a better way.
- Look who lost almost 100 million dollars in the FTX scandal.
- 2022 was a year for “the flight to safety.” What did you do with your retirement accounts?
The market was down; inflation and interest rates are up. You probably saw some of your retirement money disappear. If 2023 brings us more of the same, how can the Golden Reserve Market Flashlight help?
- 2022 was a year of transition in the stock market. Should you be changing your strategy?
- There’s more pain forecasted for 2023, should you take these predictions seriously?
- Congress has new rules about when you access your 401(k). Is this a good thing?
- $1 million: That’s the number many of us shoot for to save. Is it enough?
- Greg’s book is due out in mid-February. Why the title, “Fire your financial advisor."?
Say the word "annuity" and you get a lot of different reactions. Like fruitcake, some people love them, some people hate them. But why? What is the real story behind annuities, and should you make them a part of your retirement plan?
- If you are worried about up and down markets, what should that signal to you?
- Annuities: Some people love them, some people hate them. What’s the real story?
- When a healthcare event changes your retirement plans.
- Myth Busters: Letting your IRA grow and using it for inheritance.
- What is "mailbox money" and how can you create it?
When we look back at how our retirement accounts performed in 2022, it probably won’t be with a smile. But should one down year affect your retirement date and plans? At Golden Reserve we say no, and let us show you why.
- One advisor says you need 200 stocks to be diversified. REALLY?
- One analysts says recession in 2023, another says 20% market growth. Who should you believe?
- A scary stat about pensions.
- Myth Buster: Don’t touch your IRA until you have to.
Putting money into your IRA is easy. Taking money out of your IRA in retirement takes some planning. We have a listener from the Columbus area that has that question for Greg and how the Golden Reserve Tax Map can help.
- If the stock market is down, will I have to cut back on my retirement lifestyle?
- What could be the #1 cause of bankruptcy in retirement?
- Another bad apple in the financial advisor world.
- How can you be tax smart when dipping into your IRA in retirement?
We are finally through the political season, but there’s always another one around the corner. You may have strong feelings about the direction of our country when it comes to policy and of course taxes. Do you make decisions with your money according to the political landscape?
- The closer you get to retirement, the harder it is to stomach loses. So why have your chips on that Blackjack Table?
- You can’t deny it. Statistics show most of us will need some kind of elder care. How do you plan for it?
- How to keep your politics and your money separate.
- What is a fiduciary? What does it mean, and does it really matter?
The financial industry is full of opinion on how much you need for retirement. Those articles cause a lot of anxiety that you don’t measure up. The Golden Reserve Roadmap for Retirement will many times reveal you have done a great job and have saved enough to enjoy retirement.
CNBC’s Jim Cramer said that Facebook (Meta) had no where to go but up. Soon after, it went down over 60% and he issued an on-air apology. How can you take some of the guess work out of your investment choices?
- It’s never good when your Financial Advisor is in tears. Jim Cramer of CNBC admits to a bad investment call.
- Bad Santa: Gifting with good intentions but with bad tax consequences.
- Limiting your tax liabilities in retirement by having a strategy for that IRA.
- 70% of us will need some kind of Long-Term Care. How can you protect yourself from these extreme costs?
Greg’s book “Fire Your Financial Advisor!” will be available in February of 2023. One of the reasons he wrote the book are stories like this.
- The IRS is changing many rules about tax brackets and contribution levels for 2023. How should you react?
- The wealthy have a secret about income. Can we use the idea?
- Why are there so many opinions about annuities and what’s the truth?
- Is your financial advisor listening and acting according to your needs and what if they aren't?
- We have faced high inflation, high interest rates and rocky markets before. How did we get through it?
- One study says you will have 15% more money if you use a financial advisor.
- Jason Aldean will be front and center at the upcoming Country Music Awards. Greg was in Nashville to talk to him.
- There are record amounts of cash on the sidelines. Is there a better place for that money than the bank?
- My financial advisor speaks gibberish.
- The idea that stocks are for growth and bonds are for safety isn’t working.
- How to be tax efficient when sending money to your heirs.
- How much money should you have in (and out) of the stock market?
What is your idea of protecting your money from market downturns? Bonds? Cash? Pulling out of the market all together? Greg discusses the alternatives.
- Are we headed for more recession talk or are we working our way out of this market volatility?
- Is cash a good hedge against this market and how much should you hold?
- Questions you should be asking your advisor about fees.
- The cost of healthcare and long-term care is a shock to many retirees. How do you prepare?
- The things you need in retirement aren’t as grand as you think
- Pay the taxes early. That’s how you beat Uncle Sam.
We love when our IRA grows, but so does Uncle Sam. The higher the balance, the more the tax bill. Greg plays Myth Buster and problem solver at the same time.
- Fiduciary is just a made-up title that means nothing
- How the Golden Reserve Tax Map can help with your IRA
- Protect and plan against the high cost of Long-Term Care
- Vanguard says the market will return 3-5% over next 10 years. Is that enough?
- Get out of the market; be safe, not greedy.
Each week we highlight a listener question. This week Mike from Maumee asks about ways to develop income, what his returns should be, and how to handle when Uncle Sam says he has to dip into his 401(k).
- You’re not going to live forever
- Mike of Maumee asks about income, returns, and RMDs.
- What happens when you turn 72
- Milk inflations won’t ruin your retirement
- If you didn’t pay your financial advisor, would they still be your friend?
- Our Myth Buster segment blows up another retirement list.
- What happens when you tell your kids “I’m spending the money on me”?
- The confusing language of the CEO of Edward Jones is actually revealing.
It’s a classic story. When the market is up, the financial advisor takes credit, when the market is down…well, that’s just what the market does. Hang in there it will come back. Are you ok with that?
- When the market is down, “stay the course” just doesn’t cut it anymore.
- Anne Heche dies and doesn’t have a will in place. Why is it important for you?
- If you think you don’t have enough money to justify getting financial help, think again.
- Why Greg believes your financial advisor is not your friend, even if they make it look that way.
- Retiring requires a multi-faceted TEAM to do so, not just a single financial advisor.
ESG investing is using your moral compass to pick your investments. It’s trendy, but some are saying it may be against the fiduciary standard for financial advisors. And we’re saying, it really doesn’t matter and it’s all a facade.
- Uncle Sam is going to screw your spouse and kids.
- Take the chips off the table because you’re already ahead.
- One of the new hip catchphrases in financial planning is ESG investing. Is it right for you? Is it right for anyone?
- Financial advisors make up terms and acronyms to hide their lack of services.
- It’s time to look at your tax liabilities in retirement over the long term.
- The last leg of a recession is usually the worst. Is that where we’re headed?
Not all annuities are bad! Don’t believe the lie. It’s time to debunk yet another article as Greg pulls back the curtain on why the financial industry wants to steer you away from these safer options.
The goal of retirement is to enjoy being retired, not to worry. Make your retirement exciting by making your retirement plan boring. Should your 6-month emergency cash fund actually be 24 months? Are there better alternatives to cash? Is your 401(k) a good bridge to filing social security later? You’re actually UP about 350% over the last 10 years.
Can you sleep at night? That’s the test to figure out if you have the optimal portfolio. There’s a time when it’s okay to celebrate, say “I made it”, take the chips off the table, and go retire in peace.
Financial advisors take credit for a good market and tell you to sit tight during a bad market—don’t pay 1% for this “advice”. Plus, let’s talk about how to beat Uncle Sam.
$10k a month is the average cost for a nursing home. And 70% of Americans will need some type of Long-Term Care. Are your life’s savings secure? Asset-protection Trusts might be the answer.
How we make your retirement exciting and your retirement plan boring. Bonds may not be the best place to find retirement income. Are annuities a good option? It’s okay to be behind in retirement, just don’t fall further behind. What can be the difference maker to getting you on track? 70% of Americans will need some type of Long-Term Care. How can you protect yourself and your family from this huge expense?
The more you plan, the more you keep. Those are words from IRA expert Ed Slott, who says you don’t have to go along with Uncle Sam’s tax plan. With good planning, you can limit your tax bill.
The important parts of retirement planning aren’t found on the financial news networks. They are found with you and your family. Are you going to go with Uncle Sam’s tax plan or your tax plan? Does your advisor talk a good game but not listen? Estate planning should be a family discussion, but are there things you should keep secret?
Does your financial advisor listen to your concerns? We read an email to Market Watch where the advisor isn’t communicating and is making excuses for big losses. Why do we allow the financial industry to get away with this? Greg has a theory.
Your portfolio drops 22%, yet your financial advisor says to stay put? Target Date Funds: great marketing, not great performance. Don’t be a Bad Santa and give your kids bad gifts. Is Wall Street starting to warm up to annuities for income planning?
Ok, so you didn’t win a billion dollars in the Mega Millions lottery. That doesn’t mean you can’t win the retirement lottery, by simply protecting what you’ve got from Uncle Sam. Greg talks about retirement planning with the same goal in mind: "I don’t want to worry about money!"
Many of us have dreams of winning the lottery so we never have to worry about money again. Can you achieve that in retirement without winning the lottery? The Fed is hard at work fighting inflation by raising interest rates. When does it trickle down to help our retirement accounts? Financial analyst Dr. Doom is at it again with predictions of a severe recession. How much of that talk should we take seriously? You need your money to grow, but you also want protection. Is it possible to have both and still be in the market?
If you watch financial news, it can be scary. It seems all the headlines are about recession and down markets. How much of this should you pay attention to and should you adjust your retirement plan because of them?
- That dreaded “R” word and it’s not “Recession”
- You’re most likely up 170% over the last 10 years
- Our Tax Map puts more money in your pocket, less in Uncle Sam’s
- Do NOT wait until you’re 72 to take money out of the IRA
- Widow’s and Kiddo’s tax - their higher earning rates could be a big hit
- We’re the sheep dogs, the financial advisors are the wolves
- Our flat-fee approach vs. their 1-2% certainty off the top
- We make your retirement exciting by making your planning boring
Each week we feature one client or caller to the radio show. This week Mitch from Akron says: "Everyone told me to save, so I did. Now I’m retired and nobody is telling me what to do next."
Inflation is now over 9 percent, but is your income rising at the same rate? Everyone tells you to save for retirement, but what do they say when you get there? Sounds odd but paying taxes early can save you money in the long run. Are we becoming complacent when it comes to losing money, thinking that 2008 will never happen again?
We talk mostly about financial health. But in order to enjoy retirement, you must focus on your physical health. Greg’s longtime friend Afif Ghannoum joins us to talk about the latest research on gut health.
True or False? “There is no alternative to the market.” Lunch with Warren Buffet was recently auctioned off for $19 million. This dinner event won’t cost you $19.00 and could save your retirement. How much contact do you have with your financial advisor while the market is going down? Greg’s longtime friend Afif Ghannoum joins us to talk about the latest research on gut health.
You buy insurance for your car, your house, and your life; can annuities help you insure your retirement?
America’s IRA expert Ed Slott gives advice on de-taxing your retirement accounts. Greg talks about how the Golden Reserve Tax Mapping process does that…and more.
In this episode:
- What to expect on your next 401K statement.
- Do you know what you’re going to pay in taxes? Your financial advisor doesn’t.
- Legal, taxes, finance and investments—all under one roof.
- Imagine if you didn’t have to watch the market, and didn’t care about the news?
- How much of your retirement planning can you do online with apps and software?
- Stop playing blackjack with your nest egg. Take your chips off the table.
- America’s IRA Expert Ed Slott weighs in on having tax-free money in retirement.
- We’re the trusted 7-iron on the golf course; the days of trying to smash that new high-tech, hybrid wood are past you.
Special Guest, VP Mike Pence, and Greg Aler are both writing books— who’s gonna sell more? Greg had the opportunity to sit with the former VP, learn more about his background and get his honest thoughts on Social Security (spoiler: he believes it’s the moral obligation of our country), as well as taxes and long-term care when it comes to planning for retirement.
Greg sits down with former Vice President Mike Pence to talk about his new book, the future of Social Security and two of our retirement boulders. Stocks for growth and bonds for safety? Maybe not anymore. We have been desensitized to the small fees we pay in our lives and the financial industry knows it. Most people believe that retirement planning is too complicated. Does it have to be that way?
You’ve heard Greg talk about the 4 Boulders of Retirement. But what goes into developing the Retirement Roadmap needed to avoid those boulders.
Discussions & Learnings:
- What your Dad taught you about money and what you hope to pass onto your kids.
- What exactly happens when you call us, and how we can help immediately
- Navigating Taxes, Fees, Market Risk and Long-term Care in retirement
- Up vs. down Retirement Mountain and how strategies need to change
- JP Morgan Chase says there’s going to be “Market Hurricane” - how to care less
- Why being boring and planful now can lead to peace of mind when it matters most
- Greg loves Wendy’s Baconators
It’s hard to relate to big name athletes that make over 100 million dollars a year. But when you look at the much smaller number of their take home pay, we can relate. We are all dealing with taxes and advisor fees pulling away at our bottom line. Greg talks about two of the big Fee and Tax boulders we solve for Retirees at Golden Reserve.
With all the talk of recession, how do you protect your retirement savings? LeBron James is already dealing with two huge retirement boulders, are you headed for the same problem? You buy insurance for your car, your house, and your life; what is retirement insurance? A retired teacher from Columbus calls with a question about whether her financial advisor is really helping with retirement planning.
Warren Buffett loves stocks. Can you mimic his approach to investing in retirement? Spoiler alert: probably not.
Warren Buffett loves stocks and market risk, should you? Many investors are backing out of this market to cash. Is that good advice? A great year in the stock market turned out to be a great year for Uncle Sam. Why are you still helping him? Should you have money in a Target Date Fund in your 401(k)? A Columbus teacher wonders if her financial advisor is giving good advice. Why all the debate about annuities? What’s the real story?
Many people believe that Medicaid covers long term care expenses. There is some truth to that, so Greg and special guest Anna Christine (an attorney with Aler-Stallings) fill in the important details that you need to know.
In studio guest Anna Christine, an attorney with Aler-Stallings, discusses the different legal documents we all need in retirement. Does Medicare or Medicaid cover long term care expenses? How the Golden Reserve "Fee Filter" can help you uncover money leaking out of your accounts due to needless financial fees. Her husband died and her Medicare premium went up 70%. Why? How do you answer the question, “Can you afford to retire?”
Two of the big boulders of retirement are market risk and advisor fees. Let’s cut down on those costs and send more of that money your way.
The bigger the risk, the higher the return, right? Trying to “catch up” right before retirement might be your biggest mistake. Sometimes boring is better.
There is more and more interest in planning for the high cost of long-term care. But is there an age when it’s too late to have the conversation?
The cost of long-term care can wipe out a lifetime of retirement savings. Many people still believe that Medicare and Medicaid will pay for it. Greg breaks down the truth and the myths.
Nothing comes for free, especially when it comes to your retirement accounts. Investment and advisor fees can take tens of thousands from your retirement savings. Is there anything you can do about it?
Inflation is causing stress on a lot of families. Some people are delaying retirement, and some are coming out of retirement. Can you build a retirement plan that gives you protection from future inflation?
There is plenty of negative press about annuities. If that’s true, why do so many people use them? Greg breaks down the pros and cons of annuities.
Each year, Bill Murray and his brothers host the Caddyshack Golf Tournament in St. Augustine, Florida. Greg was able to sit down with them and talk about the movie Caddyshack, retirement, and find out the worst financial advice they ever received.
You have a “check engine” light in your car. Are you paying attention to your “check retirement” light? Studies show many people have to cut back their spending in retirement. Will you? Taking the guess work out of retirement planning. Why does your Social Security decision become more complicated if you are married? Greg talks to Bill Murray and his brothers about Caddy Shack, retirement, and the worst financial advice they ever received.
You can now buy a ticket for a 90-minute space ride for about 500 thousand dollars. If that’s not your thing, what kind of retirement can you build with the same amount?
The report card is in on Wall Street fund managers, and we’d be generous to give them a “D” in stock picking. How can you take 100% of the risk and get 30% of the return? Welcome to Mutual Fund investing. How the Tax Boulder gets bigger in retirement. What are some of the most affordable ways to cover the high cost of Long-term care?
Estate Planning Attorney Tim Stallings joins the show to discuss some misconceptions that retirees have about Estate Planning.
Greg and special guest Tim Stallings (Elder Law Attorney) discuss Estate Planning misconceptions; A caller from Findlay, OH, wants to know what type of trust he should use; A listener from Hebron, OH, wants to know what she can do to protect assets; Why IRA tax planning is crucial to saving money in retirement; How much money does one need to successfully retire?; Why timing the Market is a risky proposition; Greg talks about facing different financial crises in retirement.
How you deal with taxes BEFORE retirement should be very different IN retirement. If you don’t have a plan for taxes, Uncle Sam has a plan for you. Greg breaks down some of the surprises that retirees’ encounter and how the Golden Reserve Tax Map can help you limit your tax liability.
A better way to think about annuities as interest rates rise. What to do if you have retirement account money all over the place. How financial advisor fees work and how to avoid them. The importance of having a relationship with a retirement planner when a crisis hits. How the tax boulder changes when you retire and why you need a TAX MAP.
In everyone’s closet, there are clothes that haven’t been worn in years. They are outdated and just taking up space. Do you have the same thing going on with your retirement accounts? What do you have that needs to go to “Financial Goodwill?”
The truth about taxes and the Secure Act 2.0. A caller asks about protecting assets as her spouse has an emergency care need. When to toss certain investments and advisors. Retirement plans without a legal foundation may not be a plan at all. If you are concerned about the market crashing, you may not have a retirement plan.
When your kids inherit your lifetime of savings, how would they handle it? Will they be responsible, or will they spend it all in a short period of time? How you can have a say in making your money last, even after you're gone.
Unnecessary fees can be more risky than inflation. The limits of Robo-Advisors in supporting retirement. A listener question about Estate Planning and avoiding probate. What is the right risk to take in retirement?
Many people have no clue about how much they are paying for their retirement accounts. They don’t write a check every month, so it must be free, right? Wrong. Greg breaks down how the financial industry charges and how it takes a lot of digging to find out the truth.
Understanding Uncle Sam’s plan for your IRA taxes is a big part of planning for your Retirement. Particularly the 'widows and kiddos' penalty he has in store if you don’t have the right plan. Learn how having a Tax Map can make all the difference when it comes to saving your IRA dollars.
Is 6 hours enough time to develop your Roadmap for Retirement – and what should it include? A Newark, OH caller asks how to protect his IRA from Uncle Sam in retirement. Why relying on a family member as a caregiver may not be the safest plan for long-term care. The realties of a recession and your retirement plans. Why the ‘widow' penalty and 'kiddos’ penalty are all part of Uncle Sam’s plan for your IRA. Talking about the right time to do Roth conversions. Learn about Greg’s upcoming book release, ‘Fire Your Financial Advisor’. The bitter truth about fees, and how they get away with it.
A listener calls in looking for the right guide to get him through retirement and, while shopping around, has heard a lot of different fees. We explain what fees are right for retirees and how to avoid the dreaded FEE boulder.
What you should do about rising interest rates & inflation. A listener questions how fees work in retirement. When to tell your advisor to take a hike. The truth about “financial shortcuts.” Getting a plan for Long-Term Care. What does retirement look like with $500k. How our team of Retirement Planners helps retirees fight back against the financial industry.
How a banker, whose wife was a financial planner, still failed to plan for retirement. Greg breaks down the latest Uncle Sam changes that will take more tax dollars out of your IRA. Why every retiree needs a Tax Map.
How to navigate retirement and build your checklist with the right questions to ask. Call-in crisis involving a parent’s nursing home situation. How the IRS changed the rules again to get more taxes out of your IRA. Why a Fee Filter can show if you are overpaying for advice and investments. Explaining income taxes, and why Greg thinks they go up. Why retirement calculators don’t work. How our team of retirement planners help retirees fight back against the financial industry.
Explaining the fiduciary and non-fiduciary standards in human-speak, and how being a fiduciary doesn’t matter at all when it comes to helping retirees plan for the biggest risks of retirement.
How you can ignore the market and sleep well in retirement. Why retirees and their advisor are rarely on the same page. Does being a Fiduciary really matter? Explaining hidden mutual fund fees and how advisors get paid. How retirees can fight back against the trillion-dollar financial industry. Why tax planning is ignored by your advisor – and what you should be doing. The challenges of aging parents – and how to plan. Pension – lump sum or not? Why hasn’t the financial industry changed in 40 years.
Retirement planning is about more than just picking stocks and bonds. Certified Elder Law Attorney Tim Stallings joins us to talk about the importance of wills, trusts, and other legal documents. Showing how these tools can help protect you from the largest boulder in retirement planning, long-term care costs.
Certified Elder Law Attorney Tim Stallings talks about wills, trusts and long-term care costs. Greg piles onto the things that frustrate clients most about financial advisors. We break down the unnecessary percentage and other fees retirees are being charged. Is being a fiduciary important or irrelevant? What about being a CFP or Fee-Only Advisor? Is it a good thing or a big scam?
Las Vegas isn’t the only place you can end up winning some extra dollars. With the right retirement planner and planning – you can uncover Tax and Fee savings jackpots all over your retirement.
Like Las Vegas jackpots, hear how retirees can find unexpected surprises if they do the right Tax and Fee planning. Learn about what trusts can protect you against creditors and nursing home costs. Why there is no such thing as too little risk in retirement. Explaining why annuities are the Dodge Ram of investments. If your plan requires a stock ‘freak out’ factor, you need a different plan. While Greg closes out talking about his upcoming book ‘Fire Your Financial Advisor’.
Wall Street has preached stocks for growth, and bonds for protection for 100 years. Learn why historical low interest rates coupled with new safe alternative options are replacing this old fashion (and overly expensive) investment strategy for retirement.
Joining us is CPA Bart Patterson to talk about Roth conversions, the future of taxes in the US, and IRA tax penalties that the Tax Boulder can take from your retirement accounts if you aren’t paying attention. The market takes on Uphill vs. Downhill retirement planning strategies – what’s the difference? Blasting how the financial industry’s elite continues to try and scare retirees into buying more over-priced mutual funds. Advice from Shaquille O’Neal. And when you should think about pro-active retirement tax planning every year.
How do you find the right person to help you with retirement planning? Should Crypto be in your retirement portfolio? One of the biggest reasons people fire their financial advisor.
We save and invest trying to get ready for retirement. That’s the trip up the mountain. The trip down the mountain in retirement comes with the new challenges that may be beyond the skill set of your financial advisor.