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Secured Retirement Radio
Listen to Secured Retirement Radio's free Podcast's that offer planning advice for your retirement.
Joe Lucey, CFP, RFC, is a Certified Financial Planner and Registered Financial Consultant, and president of Minneapolis-based Secured Retirement Advisors (a Registered Investment Advisor). With a 20-year career devoted to retirees and those transitioning into retirement, he brings a wealth of insight and strategy to the specific objectives, concerns, risks and opportunities that this segment of the population faces. Committed to upholding the highest standards in the industry, Joe is a member of the Ed Slott Master Elite IRA Advisor Group and the National Ethics Bureau. As the host of "Secured Retirement Radio," he can be heard on Twin Cities News Talk AM1130 every Saturday at 7 a.m. Joe welcomes your questions or comments at jlucey@securedretirements.com or visit our website at SecuredRetirements.com
Discover 4 proactive financial planning strategies that could be a game-changer for your retirement.
How much money have you saved in an IRA, or 401K? Let’s say it’s $250,000.
You know that 250 grand is not all your money, right?
Because when you withdraw this money in retirement, you could lose a big chunk of it to Uncle Sam.
Discover 5 big tax mistakes that could cost you an arm and a leg when you retire, on Secured Retirement Radio.
What will be your biggest risk when you retire? It’s probably not what you think it is.
Most people think it’ll be the skyrocketing cost of health care, higher taxes, or social security going bust.
But it’s not any one of these issues!
The biggest threat facing you in retirement is “sequence of returns” risk, and it could have a devastating impact on your nest egg.
CFP® Joe Lucey and Financial Advisor Dylan Malberg of Secured Retirement Financial discuss the 5 tax traps to look out for in retirement.
Do you have an IRA, 401K, or any other type of tax-deferred account? Learn 6 strategies that could help you get more out of your retirement saving accounts
Learn how some simple tax planning strategies could help save you a small fortune in taxes.
The last thing you need is a big, unexpected expense when you’re retired. Learn 5 overlooked expenses that could blindside you in retirement.
What do you think is the biggest wildcard with planning for retirement? It’s longevity. Learn the financial consequences that come with living a long life.
Should you delay claiming your social security benefits? We bust 8 of the most common myths about planning and investing for retirement.
For 10 years now, we’ve had record low interest rates. And the latest reports suggest they could go even lower. This has put many retirees between a rock and a hard place. Get next to nothing on a CD or savings accounts or put your hard-earned money at risk in a fully valued stock market. So how will you successfully generate income in a low interest rate world?
You may fear that you’ll lose your money in the stock market. But there are many other risks that could cut your nest egg in half! In fact, you could be at serious risk, and hemorrhaging cash right now in ways you don’t even know!
If you asked your CPA if you should contribute to an IRA or 401K …
They’re going to tell you it’s a no-brainer, right? But there’s another side of this story that nobody wants to talk about. Your IRA and 401K are also riddled with trap doors that could make these your riskiest investments!
When you turn 70, Required Minimum Distributions kick in. The IRS forces you to withdraw money from your IRA, 401-K, SEP and other retirement accounts. This doesn’t seem like a big deal on the surface, but it triggers more problems than most people realize. You could get clobbered by a 50% tax penalty.
It’s the story of two different people - in nearly identical scenarios.
They’re similar in age, retirement dates, and earned-income throughout their careers. Yet, they receive dramatically different amounts in Social Security benefits. And the difference could be tens of thousands, if not hundreds of thousands of dollars in lifetime income. Learn 5 specific strategies that could help you get more out of your Social Security benefits.
If you retired today, would your savings and investments generate enough income to cover your expenses every month? Learn 5 critical pieces to the retirement income puzzle.
Diversification is more than just a mix of stocks, bonds and mutual funds. Learn how to avoid 5 other diversification blind spots.
There’s a big difference between tax preparation and tax planning. Find out why tax planning could save you a small fortune in retirement.
Chances are, you’ll live a lot longer than you think. But how will you pay for it? Find out how you could make your money last as long as you do.
According to USA Today, 60% of Americans retire unexpectedly! Learn how you could bulletproof your financial plan before it happens to you.
If you’ve ever lost money with an investment, you never forget that feeling in the pit of your stomach. You worked so long and hard for this money. Now it’s gone, and you’ll never get it back again. This is why “risk” is a 4-letter word as you near retirement.
There are some things you can’t control with financial planning.
You can’t control what the stock market will do. You can’t control how long you’re going to live. And you can’t control tax hikes, or how much you’ll spend for healthcare in retirement.
But there are 5 things you CAN control that could give you a big financial shot in the arm.
Your success or failure in retirement will be determined by one thing: timing.
The timing of withdrawing money from your IRA or 401K. The timing of claiming your Social Security benefits, and more.
Learn how to navigate the timing of 4 critical issues that could make or break your retirement!
How much money have you saved in your IRA, or 401K? Imagine for a moment that when you withdraw this money in retirement, you could have 30, 40, or even 50% less than what you have now. That’s the impact taxes could have on your retirement! Learn how you could avoid four tax time bombs that cold needlessly cost you tens of thousands of dollars, featuring author of "The Power of Zero" David McKnight!
Most people THINK they’re ready to retire long before they’re financially prepared to call it quits. Saving and investing for retirement is a great start. But chances are, there’s a lot planning to be done with risk, income, taxes, Social Security and healthcare.
Learn the 5 things you must tackle before you can start planning that retirement party!
Your IRA, 401K or other retirement account could be your single most important asset that will carry you through decades of retirement.
But if you’re not making the most out of these tax-deferred accounts, if you’re ignoring them, or just leaving ‘em on auto-pilot, it could cost you a small fortune.
Learn 5 ways to get MORE out of your IRA, 401K and other retirement accounts.
Do you have an IRA, 401K, SEP or other retirement account? If so, Required Minimum Distributions will force you to sell your investments inside these accounts, whether you want to or not, and whether the stock market is up or down! This could trigger an avalanche of taxes you never saw coming! Learn how you could avoid 5 critical mistakes that could needlessly cost you thousands of dollars!
Could you retire much sooner than you think? The answer is…yes. And it could be much easier than you think. In fact, you may have already crossed the finish line and you don’t even know it. So, what’s standing between you and living the life you’ve always dreamed of? Learn 4 specific steps that could help you retire much sooner than you ever thought possible.
If you made an average income during your career, your Social Security benefits could add up to several hundred thousand dollars. If you earned an above average income, it could be more than a million dollars. But if you make a mistake with claiming your benefits, you could lose a big chunk of this money. Learn how you could avoid 4 common mistakes with claiming your Social Security benefits.
How much money have you saved in your IRA, or 401K? Imagine for a moment that when you withdraw this money in retirement, you could have 30, 40, or even 50% less than what you have now. That’s the impact taxes could have on your retirement! Learn how you could avoid four tax time bombs that cold needlessly cost you tens of thousands of dollars!
Warren Buffett. Peter Lynch. Carl Icahn. Charles Schwab. These are some of the most successful investors in the world. Just like you, they've seen markets go up and down. Yet somehow, they have managed to stockpile BILLIONS of dollars!
What do the most successful investors never do that consistently helps them incrementally grow their wealth?
How much money do you think you’ll need to retire? Everybody’s got a “magic number,” right? What if I told you that your “magic number” doesn’t really mean anything. It’s what you do with your money that really matters. This week, we give you a sobering message about your magic number and what it really takes for you to retire successfully today!
If you’re recently retired, or even nearing retiring, there’s a perfect storm brewing on the horizon that could totally derail your retirement unless you take specific steps now to protect yourself. Don’t be fooled by the booming economy and stock market over the past decade. You could face more challenges in retirement than any previous generation. Learn how you could protect yourself from 7 challenges facing anyone retiring.
What will be the most important financial decision you’ll make about retirement?
Believe it or not, it’ll be about how and when you claim your Social Security benefits. And if you’re wondering why, it’s because there’s tens of thousands of dollars at stake. And in some cases, it could be hundreds of thousands of dollars! We’re giving you a Social Security crash course!
Joseph Lucey, CFP® and Derek Fautsch, CFP® discuss how potholes in the road are like unforeseen events can be detrimental in your financial planning and retirement.
If you have any questions about the topics discussed on today’s Secured Retirement Radio program or if you like to schedule your complimentary visit with one of the Certified Financial Planners® from Secured Retirement Radio please give us a call anytime at (612) 789-7900 or call us Monday-Friday during regular business hours at (952) 460-3260.
Joseph Lucey, CFP® and Derek Fautsch, CFP® discuss how having independence of living your life how you would like increases the need for planning for your retirement.
If you have any questions about the topics discussed on today’s Secured Retirement Radio program or if you like to schedule your complimentary visit with one of the Certified Financial Planners® from Secured Retirement Radio please give us a call anytime at (612) 789-7900 or call us Monday-Friday during regular business hours at (952) 460-3260.
Joseph Lucey, CFP® and Derek Fautsch, CFP® discuss the shocking results for a survey that was conducted to see how prepared for retirement the average Americans from the age of 60-75. The results show that many people are not preparing like they should be to ensure that they are able to achieve their retirement goals.
If you have any questions about the topics discussed on today’s Secured Retirement Radio program or if you like to schedule your complimentary visit with one of the Certified Financial Planners® from Secured Retirement Radio please give us a call anytime at (612) 789-7900 or call us Monday-Friday during regular business hours at (952) 460-3260.
Joseph Lucey, CFP® and Derek Fautsch, CFP® discuss returns on portfolios and the rule of 72. They discuss how it is important it is important to look at the return on your portfolio along with the personal return. The guys also discuss Inherited IRAs and what can and should be done with them.
If you have any questions about the topics discussed on today’s Secured Retirement Radio program or if you like to schedule your complimentary visit with one of the Certified Financial Planners® from Secured Retirement Radio please give us a call anytime at (612) 789-7900 or call us Monday-Friday during regular business hours at (952) 460-3260.
Joseph Lucey, CFP® and Derek Fautsch, CFP® discuss income strategies that last not only your lifetime but your spouses as well. The importance of Mailbox Income as the cornerstone of any good retirement income plan. Also how you can avoid leaving behind a tax burden to your family. These topics and much more that can be as important to you as anything else in your retirement planning.
Hold the phone, do not just cash in your Social Security benefit when you reach age 62 without sitting down with a professional financial advisor.
If you are approaching retirement age, the urge to instantly take your Social Security benefit at age 62, without a single thought more, is not a wise decision. In fact, not researching your options can land you in the poor house during the years you have left. While applying for a Social Security benefit as early as age 62 might be a wise decision for some, it most likely is not a good choice for most. In every scenario it at least pays to take a few minutes with a professional financial advisor who can help you do the math
Get a complimentary 3 step review to make sure you are ready for retirement.
Financial Advisor, Joe Lucey takes listeners through age milestones that help them know what they need to do to make sure that their retirement years will be secure.
• I saw a post this week that was titled- How to plan for retirement unless you want to eat cat food. There could be a lot of baby boomer cats running around out there. You would be surprised at the statistics of Americans who have done little or no planning for their retirement.
• Are you age 50 or older? Are you taking advantage of catch-up contributions to your IRA or ROTH? Are you even aware that you have this advantage?
• Workers need to plan to save 15% of their income each year for retirement. Or learn to enjoy the taste of kibble.
Make 2015 your year to create a well-thought out, revenue generating, positive retirement plan.
When it comes to Social Security- many people without knowing, make lots of mistakes. Let us share our professional advise with you!.
There are several retirement planning deadlines to consider before year-end rolls around. Listen to Secured Retirement Radio this Saturday at 7AM. We’ll be discussing what’s going to be new in 2015….Capital gains tax, IRA Rollovers, the rules have changed.