Financial Safari with Marty Nevel: Recent Episodes
Marty Nevel
Our goal is to look at your personal situation and work with you to make effective and wise decisions in every aspect of your retirement future. Marty Nevel shares details on comprehensive estate planning, to financial and tax plans, and everything in between. Our objective at the Financial Safari is to put you in a position of strength to make your life comfortable and worry free!
This conversation explores the various phases of retirement, focusing on the energetic 'go-go years which Marty compares to the A side of a vinyl record and the subsequent slower years, often referred to as 'Side B.' The discussion emphasizes the importance of planning for financial stability, healthcare costs, and emotional well-being throughout retirement. Key topics include the impact of lifestyle inflation, the necessity of legacy planning, and the significance of communication with family regarding financial matters.
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In this conversation, Marty discusses the critical aspects of estate planning, emphasizing the importance of trusts, wills, and proper beneficiary designations. He highlights common pitfalls that individuals face, such as procrastination and misunderstanding the need for estate planning. The discussion also covers the financial implications of losing a spouse, the widow/widower penalty in Medicare, and the necessity of communication among family members regarding estate planning. Listener questions are addressed, providing practical insights into navigating these complex issues.
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Marty discusses the often surprising transition into retirement, emphasizing the importance of planning and establishing a routine. He highlights the emotional and psychological adjustments retirees face, the significant healthcare costs they may encounter, and the necessity of planning for long-term care. The conversation also covers the importance of financial flexibility in retirement planning, creating a guaranteed income plan, and addressing listener questions about IRA withdrawals and inflation. Marty provides insights into how retirees can navigate these challenges and ensure a comfortable retirement.
Reach Marty at 888-519-9096.
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Marty explores retirement planning fundamentals, including income replacement strategies, tax considerations, and the significance of planning for longevity. The conversation also addresses emotional investing, withdrawal strategies for retirement savings, and the implications of inherited IRAs. Finally, the role of annuities in retirement planning is discussed, emphasizing the need for safety and security in investment strategies.
Reach Marty at 888-519-9096.
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Marty Nevel delves into the complexities of financial planning for second marriages and retirement. He emphasizes the importance of understanding social security benefits, Medicare implications, and strategies for managing 401(k) accounts. The discussion also touches on unconventional retirement lifestyles, highlighting how people are approaching retirement in unique ways.
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Marty Neville discusses the evolving landscape of retirement planning, particularly focusing on Generation X as they prepare for retirement. He emphasizes the importance of having a comprehensive plan that includes health care costs, income strategies, and the transition from accumulation to de-accumulation. The discussion also touches on the significance of timing in retirement, the necessity of a spending plan, and the need to keep money working for you even after retirement. Marty addresses common concerns about Social Security and the importance of staying active and engaged in retirement life.
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Marty discusses the evolution of retirement planning from the 1990s to today, emphasizing the importance of adapting strategies to current economic realities. He highlights the longevity of retirement, the relevance of the 4% rule, the impact of inflation, and the role of annuities in providing guaranteed income. Additionally, he addresses tax strategies, legacy planning, and the differences between Roth and traditional IRAs, ultimately advocating for a comprehensive and customized approach to retirement planning.
Reach Marty at 888-519-9096.
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In this conversation, Marty discusses the current landscape of annuities and interest rates, emphasizing the importance of understanding modern annuity features and their tax implications. He highlights strategies for managing retirement income, including the significance of required minimum distributions (RMDs) and the potential tax bomb they can create. The discussion also covers the benefits of Roth conversions, legacy planning for special needs dependents, and the necessity of a comprehensive retirement plan that addresses healthcare costs and inflation. Throughout, Marty encourages regular reviews of retirement strategies to adapt to changing financial needs and goals.
Reach Marty at 888-519-9096.
Smart Money Solutions
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Marty talks about the critical aspects of retirement planning, emphasizing the difference between thinking one has a retirement plan and actually having a comprehensive, written plan. He addresses common misconceptions about retirement, including the belief that Medicare covers all health care costs and the dangers of procrastination in planning. The discussion also covers the importance of estate planning, various income sources for retirement, tax strategies, and the benefits of health savings accounts. Marty highlights the role of annuities in retirement and provides insights into navigating estate planning for blended families.
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Marty discusses the evolving landscape of retirement planning, emphasizing the need to rethink traditional strategies. He addresses common concerns such as mortgage management, determining retirement income needs, the implications of downsizing, and the impact of inflation on retirement savings. The conversation also covers healthcare costs, housing choices, and the balance between supporting grandchildren and ensuring personal financial security. Listener questions provide further insights into managing retirement funds and legacy planning.
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Marty covers the essential aspects of retirement planning, focusing on income needs, healthcare, long-term care, and common missteps to avoid. He emphasizes the importance of personalized planning and preparation to ensure financial security in retirement. The conversation also addresses the gap between optimism and preparedness, the significance of diversifying income streams, and the necessity of having a long-term care plan. Listener questions are answered, providing insights into specific retirement concerns.
Reach Marty at 888-519-9096.
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Marty discusses the essential elements of retirement planning, emphasizing the importance of intentional action, smart income distribution strategies, and proactive tax planning. He addresses common concerns such as healthcare costs, market volatility, and the necessity of estate planning. The conversation also includes a Q&A segment where listener questions about retirement strategies are answered, providing practical insights for those approaching retirement.
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In this engaging conversation, Marty shares his recent birthday trip to Europe, highlighting his experiences in Amsterdam and Belgium. Marty uses this trip as an example of what can be achieved with financial freedom in retirement. Marty covers the true meaning of financial independence, the role of passive income, and the psychological and emotional aspects. The discussion also covers navigating inflation, maximizing retirement savings, and the necessity of having an emergency fund. Additionally, Marty touches on long-term care and estate planning, providing valuable insights and advice for listeners.
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In this episode, Marty discusses the importance of maintaining control over one's financial future, addressing common insecurities many Americans face regarding their financial stability. He emphasizes the need for a comprehensive financial plan that includes understanding income sources, managing debt, and preparing for emergencies. The conversation also covers the benefits of annuities, the significance of not procrastinating in financial planning, and strategies for effective retirement savings. Marty encourages listeners to take proactive steps in their financial journey and offers his services for personalized financial planning.
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Marty unpacks some retirement mistakes baby boomers are making including overestimating their Social Security, delaying retirement contributions, and underestimating healthcare costs. He offers some proactive solutions. Marty also offers some warnings and suggestions for that critical first year of retirement.
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Marty talks about the importance of mindset in making financial decisions, particularly in retirement planning. He emphasizes the need for a comprehensive plan to alleviate financial stress and provide confidence for the future. The discussion covers various aspects of retirement, including the significance of understanding the 4% rule, tax implications, and managing risk effectively. Marty shares practical tips for building a retirement strategy that ensures a comfortable and secure financial future.
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Marty discusses the importance of financial recovery and resilience after making mistakes with money. He emphasizes the need for strategic planning in retirement, focusing on income security, maximizing Social Security benefits, and preparing for healthcare expenses. The discussion highlights the significance of creating a personal pension plan to ensure a comfortable retirement, while also addressing the emotional aspects of financial decision-making.
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Marty discusses the complexities of retirement spending, emphasizing that spending patterns change significantly throughout retirement. He highlights the importance of budgeting for the 'go-go years' when retirees often spend more on travel and leisure, the 'slow-go years' where spending may decrease, and the 'no-go years' where health care costs become a major concern.
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Marty discusses the various financial surprises that retirees may encounter, including fluctuating expenses, the impact of healthcare costs, and the importance of proactive planning. He emphasizes the need for a comprehensive understanding of retirement expenses, including hidden costs and the role of inflation. The discussion also covers lifestyle changes in retirement, spousal strategies for aligning goals, and the complexities of Social Security and healthcare planning.
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In this conversation, Marty discusses various aspects of retirement planning, focusing on building a durable income stream through annuities, tax strategies to minimize tax burdens, and managing required minimum distributions (RMDs) effectively. He emphasizes the importance of understanding individual financial needs and the evolving nature of financial products available for retirement planning.
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Marty discusses effective strategies for retirement planning, emphasizing the importance of building multiple income streams, consolidating retirement accounts, and identifying potential red flags in retirement planning.
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Marty discusses various economic indicators that may signal a recession, both conventional and unconventional. He emphasizes the importance of understanding these indicators to make informed financial decisions. The discussion also covers the significance of diversifying income streams, maintaining emergency funds, and avoiding common retirement planning mistakes. Marty highlights the necessity of strategic tax planning and the importance of long-term retirement strategies tailored to individual needs.
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Marty covers financial planning strategies for uncertain economic times, emphasizing the importance of preparation and mindset. The discussion also covers inflation's impact on retirement and the balance between cash management and investment strategies. Marty discusses the importance of wise investing for retirement, emphasizing the need to protect savings and avoid unnecessary risks. He highlights the unique financial challenges women face, including the wage gap and longevity issues, and offers strategies to overcome these obstacles. The discussion also touches on the significance of having a solid financial plan, the role of risk aversion in investment strategies, and concludes with light-hearted mom-isms that provide timeless financial wisdom.
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Marty covers common misconceptions about retirement planning, emphasizing the importance of realistic assumptions. He highlights the risks associated with relying on market performance, inflation, and the expectation of inheritance. Marty stresses the need for a comprehensive retirement plan that accounts for potential life changes and economic fluctuations. He also explores opportunities that arise in volatile markets, such as tax loss harvesting and strategic buying, while advocating for guaranteed income strategies to ensure financial security in retirement.
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Marty discusses the challenges and strategies for navigating market uncertainty as individuals approach retirement. He emphasizes the importance of sticking to a financial plan, understanding income-generating investments, and maximizing Social Security benefits. The discussion highlights the need for knowledge and preparation in retirement planning, particularly in light of market fluctuations and the complexities of Social Security.
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Marty talks about the recent recovery in the stock market, the implications of tariffs on American manufacturing, and the political landscape affecting economic policies. He delves into retirement planning strategies amidst market volatility, emphasizing the importance of guaranteed income streams for retirees. The discussion also touches on budgeting and managing expenses and concludes with insights on consumer confidence and the future economic outlook.
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Marty discusses the critical aspects of retirement planning, emphasizing the importance of tax strategies, the benefits of indexed universal life insurance, and the role of annuities in providing a stable income. He also explores the differences between Roth and traditional accounts, and draws parallels between retirement planning and lessons from classic literature, highlighting the need for a sound strategy in the face of current market trends.
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Marty discusses the various curveballs that retirees may face, including financial instability, healthcare costs, taxes, inflation, and the importance of estate planning. He emphasizes the need for a flexible retirement plan that can adapt to life's unexpected challenges. The conversation also revisits traditional retirement rules, such as the 4% rule and the 25 times rule, providing insights on how to effectively manage retirement income and expenses.
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Marty discusses the complexities surrounding tariffs and their implications for retirement planning. He explores the myths and facts about tariffs, their impact on inflation, and how they affect stock prices and retirement funds. Marty emphasizes the importance of adapting retirement strategies in light of economic changes, including the use of annuities and life insurance for generating income. The discussion highlights the need for a comprehensive retirement plan that considers market volatility and inflationary pressures.
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Marty discusses the implications of tariffs on retirement planning, the volatility of the markets, and effective debt management strategies for retirees. He emphasizes the importance of understanding how economic changes can affect financial security and offers insights into navigating these challenges. The discussion also highlights the need for a flexible retirement plan that can adapt to market fluctuations and personal financial situations.
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Marty discusses the complexities of retirement planning, emphasizing the importance of replacing lost income, customizing strategies to individual needs, and the significance of social connections post-retirement. He explores various aspects of financial security, including tax strategies and risk management, while highlighting the necessity of a well-structured plan to ensure a fulfilling retirement.
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Marty discusses the various aspects of retirement, including the loss of predictable income, the importance of finding purpose, the implications of losing employer-sponsored benefits, and the need for a solid spending plan. He also delves into tax strategies, particularly Roth conversions, and their potential benefits and drawbacks. The discussion emphasizes the importance of planning for a fulfilling retirement while navigating financial complexities.
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Marty discusses the essential aspects of retirement planning, focusing on how much money individuals need to retire comfortably. He emphasizes the importance of evaluating expenses, maximizing savings, managing debt, and planning for healthcare costs. The discussion also covers strategies for maximizing social security benefits and draws historical parallels to retirement planning from the Roman Empire, highlighting the evolution of retirement systems and the challenges faced in modern retirement planning.
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The conversation explores the implications of the 'Silver Tsunami' as more baby boomers reach retirement age, discussing the challenges and considerations for retirement planning, including Social Security, income diversification, and the importance of having a purpose in retirement. Various types of retirees are examined, highlighting different approaches to life after work, from those who continue to work out of passion to those who embrace a more leisurely lifestyle. Marty discusses the importance of comprehensive retirement planning, addressing various case studies that highlight common pitfalls and strategies for securing a comfortable retirement.
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Marty discusses essential strategies for retirement planning, focusing on balancing risk and reward, ensuring guaranteed income, and navigating the complexities of cryptocurrency and tax-free income sources. He emphasizes the importance of understanding investments, managing risks, and utilizing tools like annuities, Roth IRAs, and HSAs to secure a stable financial future. The discussion also highlights the potential pitfalls in retirement planning, particularly regarding taxes and Social Security.
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Marty discusses the concept of behavioral finance and its implications for retirement planning. He emphasizes the emotional aspects of financial decisions, the importance of understanding one's triggers, and the need for a diversified approach to retirement income. Marty also highlights the role of a financial coach in navigating the complexities of retirement planning, the necessity of regular reassessments, and the application of military strategies to ensure financial security.
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Marty explores various aspects of retirement planning, focusing on the economic landscape of 2025, risk management strategies, investment approaches, and the emotional factors that influence retirement decisions. He emphasizes the importance of income security, the need for a comprehensive plan, and the emotional journey clients experience during retirement planning.
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Marty discusses the parallels between physical fitness and financial fitness, emphasizing the importance of maintaining both for a healthy and secure retirement. He outlines various exercises and their financial counterparts, such as automating savings like walking for health. The discussion also covers the significance of planning for market downturns, creating a safe financial strategy, and ensuring a steady income stream in retirement. Marty encourages listeners to take proactive steps in their financial planning to avoid panic during market fluctuations.
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Marty discusses the top financial concerns retirees will face in 2025, as identified by Goldman Sachs. He emphasizes the importance of long-term planning, the need to maximize employer benefits, and the role of technology in retirement planning. Marty also shares practical advice on saving and spending, highlights the significance of income planning, and provides insights through quotes from notable figures in finance.
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Marty discusses the common pitfalls retirees face and emphasizes the importance of careful planning and budgeting for a successful retirement. He highlights the dangers of relying too much on home equity, the need to research new living areas before relocating, and the risks of elder scams. Marty also stresses the importance of having a financial plan that accounts for various income sources and helps avoid overspending during the early years of retirement.
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Marty discusses the importance of setting financial resolutions for the new year, emphasizing the need for discipline and accountability in achieving these goals. He explores various strategies for managing retirement accounts, particularly 401(k)s, and the implications of cashing out versus rolling over these accounts. The discussion also highlights the significance of having an emergency fund and the potential benefits of loans against 401(k)s as a financial strategy.
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Marty discusses the shift in focus for Americans as they approach the new year, emphasizing the importance of financial resolutions over traditional goals. He highlights the need for realistic financial planning, the significance of having an emergency fund, and the role of a financial coach in achieving these goals. The discussion also delves into the challenges retirees face when supporting adult children and the potential risks involved. Finally, Marty touches on estate planning and the importance of controlling wealth transfer to ensure financial security in retirement.
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Marty discusses various aspects of retirement planning, including the impact of a new presidential administration on retirement savings, the importance of regular financial check-ins, maximizing retirement contributions, maintaining emergency funds, utilizing health savings accounts, and the complexities of Roth conversion strategies. They emphasize the need for a balanced approach to financial planning and the importance of understanding tax implications.
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Marty discusses the feasibility of retiring in three years or less, emphasizing the importance of health insurance, cash flow, and guaranteed income. He provides insights on maximizing retirement contributions, strategies for Social Security, and the necessity of managing high-interest debt. The discussion also covers mortgage strategies and the benefits of part-time work or freelancing in retirement, highlighting the need for a comprehensive financial plan tailored to individual needs.
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Marty points out the financial habits of wealthy individuals and how they can be applied to personal finance strategies. The discussion covers the importance of long-term planning, risk management, and the value of professional financial guidance. Additionally, the conversation highlights common retirement penalties and the rising costs of healthcare, emphasizing the need for careful planning to avoid these pitfalls.
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Marty discusses significant changes in retirement planning set to take effect in 2025, including increased contribution limits, automatic enrollment in 401k plans, and the implications of the Secure Act 2.0. He emphasizes the importance of saving and maximizing contributions, understanding required minimum distributions (RMDs), and exploring options like Qualified Longevity Annuity Contracts (QLACs) for income in retirement. The discussion also covers strategies for building a personal pension plan and ensuring financial freedom during retirement.
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Marty discusses the essential strategies for wealth preservation and retirement planning. He emphasizes the importance of having a financial plan, diversifying investments, maintaining an emergency fund, and implementing effective tax strategies. The discussion also highlights the role of professional guidance in navigating retirement planning and the pitfalls of consumerism and overspending. Marty shares insights on avoiding common retirement mistakes and the significance of being cautious with misleading discounts and marketing tactics.
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Marty addresses the realities of retirement planning, emphasizing the importance of meeting concerns such as market volatility, Social Security, health, and inflation. The discussion also touches on political concerns and the dynamics of family gatherings during the holidays, highlighting the importance of being prepared for various situations in retirement. Marty discusses the various personality types encountered during holiday gatherings and how they can impact retirement planning. He emphasizes the importance of rational decision-making, avoiding impulsive choices, and being open to different investment strategies.
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Marty discusses the realities of retirement planning, highlighting common mistakes retirees make, such as underestimating expenses and not factoring in healthcare costs. He emphasizes the importance of maximizing social security benefits, implementing proactive tax strategies, and planning for long-term care. The discussion also touches on financial criminals and the lessons that can be learned from their actions, underscoring the need for careful investment and financial planning. Marty delves into the world of financial criminals, exploring infamous figures like Elizabeth Holmes, John Dillinger, and DB Cooper. They discuss the lessons that can be learned from these criminals' actions, particularly in the context of retirement planning and investment strategies.
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Marty explores the parallels between Halloween treats and retirement planning. He discusses the importance of layering income sources, maximizing social security benefits, and preparing for inflation and medical costs. Marty emphasizes the need for a comprehensive retirement plan that includes strategies for job changes, market volatility, and ensuring savings last throughout retirement.
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Marty discusses the essential aspects of retirement planning, addressing common misconceptions about retirement savings, the importance of having a financial plan, and strategies for maximizing savings and social security benefits. He emphasizes the need for proactive planning regarding taxes, healthcare, and long-term care, while also highlighting the significance of a spending plan to ensure a comfortable retirement.
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Marty discusses the importance of financial planning through the lens of seasonal changes. He explores how different life stages can be likened to seasons, emphasizing the need for early savings, nurturing growth, harvesting gains, and preparing for retirement. The discussion also highlights the unique challenges faced by Generation X as they approach retirement, including the need for risk management and understanding the shift from pensions to 401(k) plans. Marty provides actionable strategies for maximizing contributions and preparing for market volatility, ultimately aiming to help listeners secure a comfortable retirement.
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Marty discusses various aspects of retirement planning, focusing on the emotional elements involved, the importance of having a comprehensive financial plan, and how to navigate life's unexpected challenges. He emphasizes the need for flexibility in financial planning to accommodate life's changes and the impact of inflation and market volatility on financial security. The conversation also highlights the significance of family connections and the joy of holiday gatherings.
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Marty discusses the complexities of retirement planning, emphasizing the importance of income strategies, investment choices, and understanding social security benefits. He provides insights on crafting a comprehensive spending plan, maintaining lifestyle in retirement, and the role of taxes. The discussion also covers risk management in investments and answers listener questions, offering expert advice tailored to individual needs.
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Marty discusses the complexities of retirement planning, emphasizing the importance of being prepared for uncertainties, particularly in healthcare, homeownership, inflation, and taxes. Marty also welcomes America’s Wealth Coach and best-selling author Coach Pete D’Arruda to the podcast. They both discuss good retirement strategies and Coach Pete’s new book, “The Big Book on Retirement.”
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Marty discusses recent financial headlines and their impact on retirement planning. The conversation covers topics such as the retirement disconnect, the potential decimation of retirement savings from taxes, Americans' biggest financial regrets about retirement, and the lack of knowledge about Social Security benefits. Marty emphasizes the importance of creating a comprehensive retirement plan that includes sustainable income and proactive tax strategies.
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Marty discusses the importance of early detection and prevention in both physical and financial health. He compares various physical ailments, such as heart disease, Alzheimer's disease, and diabetes, to financial concerns and emphasizes the need for proactive planning and preparation. Marty also highlights the significance of maximizing Social Security benefits, managing taxes, and preparing for out-of-pocket healthcare costs and long-term care. He concludes by emphasizing the importance of having a plan for retirement and staying active and fulfilled during this phase of life.
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Marty discusses the financial lessons we can learn from historical monarchs. He emphasizes the importance of sustainable retirement strategies, avoiding get-rich-quick schemes, and ensuring consistent growth in investments. Marty also highlights the dangers of ignoring financial problems and delaying critical changes, as well as the risks of overinvestment and emotional spending. He stresses the need for comprehensive retirement planning, including estate planning, financial planning, and tax planning. Marty emphasizes the importance of having multiple streams of reliable income, becoming debt-free, and having comprehensive health and long-term care coverage.
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Marty explores the intersection between presidential races and economic policies and how they can affect financial futures, especially in retirement. He discusses past administrations and the economy during their terms, highlighting key events and policies. Topics include high inflation, gas lines, interest rates, tax cuts, national debt, and the impact of different administrations on retirement planning. The conversation also delves into the current political landscape and the importance of seeking professional help for retirement planning.
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Marty discusses common mistakes to avoid in retirement planning. The first mistake is waiting too long to plan, but Marty emphasizes that it's never too late to start. He recommends starting in your mid to late 40s or early 50s. Another mistake is underestimating the cost of living, especially with inflation and rising expenses. Marty advises getting rid of debt and having an emergency fund. He also highlights the importance of considering long-term care and having a plan in place. Other mistakes to avoid include not prioritizing contributions to investments and not establishing proactive tax strategies.
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Marty discusses common estate planning mistakes, such as failing to create an estate plan, not updating the plan, ignoring digital assets, and not properly funding a trust. He also emphasizes the importance of having powers of attorney in place and seeking professional help for estate planning.
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The conversation revolves around the topic of Roth conversions and whether or not they make sense for individuals. Marty Nevel, a retirement specialist, discusses the various circumstances in which Roth conversions may be beneficial, such as lowering future tax brackets and estate planning. He also highlights the importance of careful consideration and analysis before deciding to do a Roth conversion. Other topics covered include the need for a diversified tax liability, maximizing retirement accounts, and creating a spending plan for retirement. Marty also discusses the challenges that baby boomers face as they enter retirement.
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Marty discusses the five basic steps to retirement planning and emphasizes the importance of income planning and expense management. He also highlights the significance of investment management, healthcare and long-term care planning, and estate planning. Marty mentions the option of having an encore career or working in some capacity during retirement. He discusses the role of annuities and real estate income as additional streams of income. Marty also addresses the question of being bullish or bearish in investment strategies and the importance of planning for retirement in the financial red zone.
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Marty gives his take on recent financial news stories. He comments on the fact that many retirees are facing a financial crisis with half having less than $145,000 saved, well below the recommended amount. Other stories Marty commented on include common regrets among retirees include not saving more, not having a written financial plan, underestimating retirement costs, and not planning for healthcare expenses. Retired women are significantly more likely to face financial hardships compared to men. That is also part of the discussion.
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Marty discusses the importance of finding the right financial advisor for retirement planning. He covers topics such as how to find a financial advisor, the benefits of working with an advisor, and the components of a good retirement plan. He also touches on the impact of inflation, rising delinquencies, and bank closures on the economy. Marty emphasizes the need for a comprehensive plan that addresses income, estate planning, tax planning, investment management, and healthcare planning.
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Marty discusses the importance of continuing to invest once you retire. He emphasizes the use of safe money strategies, such as annuity products and life insurance programs, to ensure a guaranteed income and growth. Marty also highlights the impact of inflation on purchasing power and the need to keep up with it. He mentions the importance of having emergency funds for unexpected expenses and opportunities.
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Marty discusses the challenges facing Generation X in saving for retirement. He compares Gen Xers to Jan Brady from the Brady Bunch, as the middle child often overlooked compared to the baby boomers and millennials. Marty emphasizes the importance of preparation and planning for retirement, as many Gen Xers are nearing retirement age. He also touches on the topic of high-interest debt and the need to pay it off before retirement.
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Marty discusses the changing landscape of retirement and the challenges faced by pre-retirees and retirees today. He highlights the need for proper planning and diversification to ensure a secure retirement. The conversation also touches on the role of artificial intelligence (AI) in financial planning and the advantages of the human touch in creating personalized retirement plans. Marty discusses the importance of the human element in retirement planning and addresses common questions and concerns that clients may have. He emphasizes the need for a trusted advisor who can provide personalized guidance and support. Marty also discusses topics such as how financial advisors get paid, their qualifications, investment strategies, and communication with clients.
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The retirement of 10,000 baby boomers every day is having significant impacts on current retirees as well as the broader economic and social systems. This wave of retirees is putting a strain on social security, Medicare, and pension systems. Changes are being proposed to make social security and Medicare more needs-based and to increase the tax on the younger generation. The rising demand for healthcare is also a concern, and individuals are encouraged to contribute to HSAs and save for future healthcare needs. Marty addresses these challenges and discusses various topics related to retirement planning.
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Marty covers significant changes in retirement planning over the last 20 years, including shifts in the economy, demographics, technology, and regulatory environments. He discusses the demise of private sector pensions, the shift to defined contribution plans, increased contribution limits, the introduction of the Roth 401k, automatic enrollment, and changes in required minimum distribution ages. He also provides insights into annuities and their role in retirement planning.
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Marty discusses the financial regrets of retirees and the importance of retirement planning. He emphasizes the need for a comprehensive plan that accounts for unexpected events, inflation, and volatility. Marty also addresses the unique challenges women face in retirement and the importance of custom-tailored plans. He highlights the significance of guaranteed lifetime income and the impact of retirement age on benefits and penalties.
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Retirement planning requires expecting the unexpected and being prepared for various expenses. Health care costs, including Medicare and supplemental plans, should be considered. Long-term care insurance may not be the best option, and alternatives like life insurance or annuities should be explored. Homeownership comes with maintenance costs, property taxes, and potential downsizing expenses. Taxes are an ongoing concern in retirement and should be accounted for in financial planning. Marty Nevel discusses various financial topics, including the impact of inflation, the state of the economy, and the concerns of retirees.
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Marty Neville discusses the current state of the economy, the impact of government policies, and the challenges facing retirees. He shares his agreement with billionaire investor Stanley Druckenmiller's criticism of the Federal Reserve and the need for fiscal discipline. Marty also highlights the importance of comprehensive retirement planning and the need for multiple sources of income.
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Marty Nevel clears up common misconceptions about retirement and provides tips to help listeners save more. The episode also discusses the impact of taxes in retirement and the importance of evaluating and reducing unnecessary expenses. Marty discusses the importance of contributing to a 401k and taking advantage of company matches. He also advises on how to make the most of tax refunds and windfalls, such as inheritances or bonuses.
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Marty discusses the biggest financial regrets of 2023 and provides tips to avoid them. The top regrets include not saving enough for retirement, failing to take advantage of interest-bearing accounts, accumulating too much credit card debt, and not saving money for emergencies. Marty emphasizes the importance of saving early and consistently, taking advantage of high-yield accounts, paying off credit card debt, and building an emergency fund. The conversation also touches on the need for comprehensive retirement planning, including budgeting for travel and healthcare expenses.
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Marty discusses the importance of saving for retirement, strategies for starting late, and the benefits of maximizing contributions to retirement accounts. The conversation concludes with a discussion on low-risk investments for retirement income, including real estate and dividend-paying stocks.
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In this conversation, Marty Nevel shares tips and strategies to help listeners prepare for retirement. He discusses the changes in retirement planning due to the Secure Act and Secure Act 2.0, such as the option to deposit money into a Roth account and make tax-free withdrawals for emergencies. Marty also talks about the importance of understanding sequence of returns risk and having a conservative investment strategy. He emphasizes the need for couples to openly discuss their finances, have a backup plan in case one spouse becomes ill or passes away, and keep good financial records. Marty also advises against accumulating credit card debt and offers a comprehensive review to help individuals create a retirement plan.
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In this conversation, Marty Nevel covers some important questions to ask your financial advisor about inflation and its impact on retirement planning. Marty emphasizes the need for a long-term financial plan that factors in inflation and provides guaranteed income. He also goes over some common retirement mistakes to avoid, such as trying to beat the market, keeping all your money in cash, over-diversifying, being hesitant to spend your savings, and feeling trapped by real estate.
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Marty discusses lessons from golf that can be applied to retirement planning. He emphasizes the importance of not taking unnecessary risks with retirement funds and having a coherent financial retirement plan. He compares choosing the right club in golf to selecting the right assets and strategies in retirement planning.
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In this conversation, Marty Nevel discusses the potential damage caused by financial advice on social media. He exposes some of the worst financial planning advice that has gone viral and explains why it is dangerous. Marty also debunks myths about 401(k) scams and the idea of following the rich and famous for financial success. The conversation concludes with a discussion on the Federal Reserve bank account scam and the need to plan for a secure financial future.
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The conversation covers various topics related to retirement planning and economic concerns. It begins with a discussion about the impact of government policies on the economy. The conversation then explores spending issues, inflation, and the challenges of retirement planning. The 4% rule and retirement income are also discussed, along with the importance of historical data and the 60-40 stock-bond portfolio. The conversation concludes with a focus on important questions to ask for retirement planning.
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In this conversation, Marty Nevel discusses various aspects of retirement planning, including considerations for retiring early, distribution strategies, mental preparation for retirement, order of withdrawals, alternative strategies, and answering retirement questions. In this conversation, Marty discusses various topics related to retirement planning. The discussion then shifts to leaving inheritance to children and the flexibility of estate planning. Marty also addresses the question of whether one should continue saving money in retirement and the various ways to save.
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In this episode, Marty discusses the importance of spring cleaning and financial organization, including the need for an emergency fund and debt management. He also emphasizes the significance of maximizing retirement contributions and proactive tax planning. Marty highlights the importance of asset allocation and risk management in retirement planning. He offers comprehensive retirement reviews and emphasizes the lessons that can be learned from college basketball, such as the fundamentals of retirement planning and the importance of planning and preparation.
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In this conversation, Marty discusses various retirement planning strategies, with a focus on Roth contributions and the tax implications of different retirement accounts. He also explores the potential changes to Social Security and the importance of maximizing Social Security benefits. Marty emphasizes the need for comprehensive planning and understanding the evolving landscape of retirement planning. The conversation covers various topics related to retirement planning, including changes to the Social Security age requirement, the importance of understanding Social Security, retiring at 63 and living off Social Security, RMDs and filing for Social Security, annuities as a retirement option, what to do with a 401k after leaving a job, and opening a Roth IRA for a grandchild.
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In this conversation, Marty Nevel discusses various topics related to taxation in retirement. He covers what is and what isn't taxed in retirement including Social Security benefits, pensions, interest-bearing accounts, capital gains, traditional IRAs and 401(k)s, life insurance proceeds, and savings bonds. Marty also emphasizes the importance of planning for retirement and incorporating one's bucket list into their overall life planning. Then he discusses the importance of having a safe money strategy and diversifying investments in a volatile market. Additionally, he advises on planning for inheritance and provides insights on withdrawal strategies for retirement accounts. Marty emphasizes the need for comprehensive retirement planning that considers various sources of income and extends to age 100.
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In this episode, Marty Neville discusses the importance of estate planning and the components that come under its umbrella. He emphasizes the need for a comprehensive and up-to-date estate plan to ensure that one's wishes are followed and to keep the government out of one's affairs. Marty also addresses the world's worst retirement planning advice, debunking the notion that Social Security benefits are enough to live off of in retirement. He highlights the importance of having a customized retirement plan and the dangers of following a one-size-fits-all approach. Additionally, Marty provides insights on protecting a 401(k) and offers tips for choosing a financial advisor.
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In this conversation, Marty Nevel discusses the importance of having a written plan for retirement, creating a spending plan and considering income streams, tax planning, legacy planning and estate planning, social security, spousal considerations, and the importance of reviewing finances regularly. Marty emphasizes the need for planning and preparation in order to have a successful retirement. He also addresses questions about long-term care insurance, supplementing a pension, and the benefits of involving children in financial meetings.
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On this football-themed episode, Marty Neville discusses strategies and lessons from the game of football that can be applied to retirement planning. He emphasizes the importance of being in the financial red zone and starting retirement planning early. Marty explains offensive and defensive strategies in retirement, including diversification and asset protection. He also highlights the significance of having a written plan and considering estate planning and tax strategies. Marty relates famous football quotes to retirement planning and emphasizes the role of a retirement coach in guiding individuals through the retirement journey. The episode concludes with Marty discussing upcoming plans and his commitment to helping clients secure their retirement goals.
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This conversation discusses various aspects of retirement planning and the changes that have occurred over the years. It covers changes in daily routine and social life. The importance of staying busy and maintaining fitness in retirement is emphasized. The conversation also highlights the need to replace income in retirement and the role of comprehensive reviews in retirement planning. The evolution of retirement planning, managing risk, and transforming a 401k into a personal pension are discussed. The impact of longevity and taxes in retirement is explored, along with the importance of estate planning. The conversation concludes with a Q&A segment. The episode concludes with a question about choosing between a Traditional IRA and a Roth IRA.
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Marty discusses financial goals for 2024. He identifies good goals to establish, how to get started, and offers tips on how to stay on track. Some of the goals include maximizing your savings efforts, creating a spending plan, paying off debt, building an emergency fund, proactively planning for taxes, and reassessing assets.
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Marty answers the most frequently asked questions about annuities. How do they differ from traditional savings and brokerage accounts? What are the benefits and potential drawbacks? What types of annuities are there? Get the answers in this podcast. The conversation then shifts to that shift in your financial life from accumulation to the necessary strategies in retirement.
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Warnings of what could harm your retirement start off the podcast with a discussion on having a budget, automating your savings and payments, planning for healthcare costs, and not relying too heavily on being able to work longer. Then we take a look at what a retirement portfolio stress test could be for you.
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Marty provides the answers to some commonly asked and very important questions regarding proper retirement planning. He also looks at what should be considered in shoring up your retirement in the new year. These include revisiting your household budget, checking your emergency fund, tackling debt, establishing financial goals, and reviewing your asset allocation.
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You’ll hear clips from familiar movies and a sitcom with a holiday theme. Marty takes these clips and shares retirement and financial lessons we can learn from them. He also looks at how we can learn from the ghosts of Christmas retirement past and present and apply those lessons for the future.
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Marty cuts through some harsh realities of retirement planning and offers solutions. Some issues covered are the amount of bear markets to expect, needing more than Social Security, and longevity. How should you mirror the traits of successful CEOs in our retirement? That’s also covered in this podcast.
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Marty talks about what we need to consider strategically as the year draws to a close. Most of the bullet points are about good tax moves. He also looks at changes to Social Security coming in 2024 including the COLA, maximum taxable earnings increasing as well as the earnings test. Then the conversation turns to what you may face in retirement such as restlessness and the need to re-define yourself.
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Marty reviews Secure Act 2.0 in looking at the provisions that are currently in place and what we can expect in 2024. He also provides answers for ten frequently asked questions by those nearing retirement.
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Marty discusses withdrawal in retirement and breaks down the potential win and lose strategies. What questions need to be answered in comprehensive retirement planning? That’s covered in categories such as Social Security and spousal claiming strategies, budgeting, 401(k) maneuvers, taxes, and income building.
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The 2023 Mercer CFA Institute’s Global Pension Index recently rated retirement systems around the world. The U.S. earned a C+. Marty examines that and discusses ten steps to strongly consider in an effort to score an A+ in your retirement.
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Marty runs through some common excuses people give for not seeking the help of a financial professional when nearing retirement. He counters these with good reasons why it is critical to work with a financial partner. Some excuses are:
“I’m a DIY (do it yourself) person” Scary!
“I’m already retired” Don’t forget second opinion.
“I get my advice from friends and family” “Danger Will Robinson!”
“I don’t know where to begin” A phone call is a good first step.
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Marty addresses common retirement fears and offers solutions to overcome them. Some of the fears include inflation, Social Security and the future of it, market volatility, and the cost of health care. Marty also discusses some things you should do and some things you should avoid in your retirement planning process.
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Marty offers information on the different scam operations out there and tips to avoid them. He also dissects survey results from a Northwestern Mutual Planning and Progress study that shows Americans’ concerns about the economy and how much they would need to retire.
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Marty reminds us of what can happen when we make assumptions. It can be even more serious when it’s retirement assumptions. Marty clarifies some common ones such as thinking you’ll retire at 65, underestimating how long you’ll live, and on how much you think you’ll spend in retirement.
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Honoring Financial Literacy Month, the game is Financial Jeopardy covering retirement facts to make sure you’re not in financial jeopardy. Categories include Important Retirement Ages, Penalties and Fees, Retirement Savings Vehicles, and Retirement Rules of Thumb.
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Marty runs down some expenses that can eat away at your savings when you’re in retirement. They include healthcare, home ownership, inflation, taxes, and longevity. He also looks into the financial and retirement mindset and strategies that can build confidence in your journey to and through retirement.
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Marty starts the conversation by breaking down the massive baby boomer generation and discussing what needs to be considered by middle and late baby boomers. He devotes the rest of the podcast in cutting through misinformation and declaring whether retirement statements are fact, fiction, or somewhere in between.
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Marty dissects some of the more notable quotes from legendary investor Warren Buffet. He discusses some words of wisdom from the Oracle of Omaha in his overall investment mindset, his number one rule in investing, and what he means when he says his mistakes have been of omission. Marty also shares some strategies to implement and some to avoid in helping to make sure you don’t run out of money in retirement and then goes over some hypothetical case studies.
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Marty starts with a look at a recent survey showing disturbing signs of insecurity among Americans approaching retirement. Great suggestions are offered in helping to build confidence. He also examines why people may procrastinate in implementing some good financial practices and discusses helpful tips in moving on these strategies.
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We can learn from celebrities even when they make mistakes. Marty covers some bad celebrity financial moves from not having proper estate planning to overspending to getting in trouble over taxes. He further gives tips on mistakes to avoid such as failing to have a tax plan, estate plan, or diversification. How can you beef up your savings? You’ll find some good suggestions in this podcast.
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At the opening of football season, Marty discusses good offensive and defensive strategies to consider in retirement planning. He talks about going on the offense with income built in, building wealth, diversifying, and creating a budget. Defensive measures include bridging gaps, building an emergency fund, creating an estate plan, considering appropriate insurance, and looking at protective long term care strategies.
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Marty interprets quotes from George Foreman, Chris Rock, and Jonathan Clements and ties them into good retirement thinking. 2024 is the year of Peak 65. The largest number of Americans ever will reach age 65. What should you be considering if you are nearing retirement. That is also part of the conversation.
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Marty shares insight into our current climate and factors to consider given higher inflation and higher interest rates. He also breaks down a survey reflecting confidence levels of those in the Generation X and baby boomer generations.
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Marty takes the hot seat in answering retirement questions to see if he can win all the “show money.” Questions range from FRA for Social Security to Roth strategies and from contribution limits to tax considerations. He then dives into five critical components of retirement financial planning. They are investment, tax, and income strategies, estate planning, and healthcare planning.
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It’s amazing how you can tie iconic TV sitcom scenes to retirement planning. Marty does just that with Kramer giving himself a gold watch and pointing out that retirement falls more on us now. Fred Sanford gets a lesson on how Social Security benefits are calculated and Archie Bunker schools us on inflation. Those clips and more are featured in the podcast.
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What are some of the standard retirement rules? How have they withstood the test of time? How could they be good starting points. Marty covers the 4 percent rule, the Rule of 72, the 60/40 Stock/Bond Rule, and the Rule of 100.He also discusses a recent Retirement Confidence Survey.
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What should you be considering now to help avoid retirement regrets? Marty covers everything to proper savings strategies to strategies for couples and building a realistic spending plan. He also breaks down a lot of the claiming rules and strategies with Social Security.
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Marty discusses the best proactive responses to retirement strategies including long-term care, health care, living on pre-taxed income, and factoring inflation. He also addresses concerns of pre-retirees and retirees and offer good questions to ask of yourself. These include: “do I have a plan” “do I have a budget” “do I have income built into my plan” “am I working with a retirement specialist?”
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Marty demonstrates all of the considerations in gauging someone’s risk tolerance with questions to help determine the kind of investor they are to how they would react in the event of negative market activity. He featured comments from Warren Buffett on staying the course and discussed how we should look at bonds in today’s climate.
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Marty takes a close look at Secure Act 2.0 and provisions that have already been enacted and looks ahead at what is to come in 2024. He also addresses the excuses or justifications people make to delay seeking the help of a retirement professional.
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Marty addresses some of the reasons people give for putting off seeking the help of a financial retirement professional including a feeling of being overwhelmed by it, thinking they don’t have enough money, and thinking it would be too expensive. He looks how your financial strategies should be adjusted when you’re getting closer to retirement and then breaks down how retirement can be more expensive than most of us think and how to prepare for that.
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Marty covers strategies to consider when you’re in the financial red zone during the period of seven to ten years, five to seven years, and three to five years out. How is high inflation affecting your retirement. That’s also part of the discussion as well as a look at retirement expenses.
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Marty addresses concerns of retirees involving their feeling of inadequate savings and their worries of inflation, higher interest rates, and unstable markets. He demonstrates how he can help keep in check the inevitable emotions that creep into retirement planning and then discusses sound retirement distribution strategies.
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Marty cites statistics from a couple of surveys that state the obvious. Couple don’t necessarily see eye to eye when it comes to finances and retirement. He stresses the need for compromise in areas such as risk, savings, and retirement target date. He addresses retiree concerns like inflation, the state of Social Security, and longevity and gets back to basics with some good practices to make sure you’re on the right track to retirement.
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Marty goes on the hot seat guessing the top answers from participants in a 2023 EBRI Employee Benefit Research Institute retirement confidence survey. We cite results on concerns of pre-retirees and retirees in their comfort level on reaching retirement and living comfortably in retirement. Marty moves into strategies to consider in the financial red zone, 5-10 years from retirement. He then discusses the advantages to consider when looking at the Roth IRA option.
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Marty explains the importance of building income sources in your retirement and making sure they are in line with your expected expenses. He dives into the subject of behavioral finance and how all the components relate to retirement planning. He also highlights ways that money could be wasted in retirement such as excessive fees, overpayment in taxes, overspending, and ignoring healthcare costs.
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We give three statements about retirement consideration and Marty points out the one that is not true and explains why. He also expands on some of the ones that are true. He also covers valid retirement related questions that begin with the word “when” and points out areas to address in the planning process to help ease the anxiety of challenging economic times.
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What are people saying about their retirement? We hit the street to find out. You’ll hear peoples’ comments on their retirement plan and responses from Marty. He also covers the importance of having dependable income strategies in your retirement but also making sure you have a spending plan to go along with them.
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It’s amazing how you can take iconic movie clips and relate them to retirement planning. If you’re skeptical about that, then listen to how Marty relates lines from movies to what we should be considering in strategizing for retirement. He brings back the popular retirement myth busters in correcting some common misconceptions about long term care protection, debt, Social Security, and safe money. What are good questions to ask when meeting with a financial advisor? Marty covers some of them in this podcast.
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of a financial advisor? Marty covers some of the top searches and relates them to his specialty of retirement strategies. Some include what to bring to the first meeting, how are financial advisors compensated, and why is a financial advisor better than a robo-advisor. He then explains why the age of 65 may be universally thought of as retirement age but that it’s different from person to person and explains why. Then Marty moves into how to help ease that transition from accumulation to decumulation in retirement.
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Following the failed attempt to override President Biden’s veto of the Labor Department ESG investment rule, Marty explores the potential effects of that on the retirement savings efforts of Americans. He also discusses the most recent interest rate hike. What are red flags to watch out for when meeting with an investment advisor. Some of these are covered here including high pressure sales, downplaying risk, and encouragement to go “all in” on one investment.
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Marty looks at the situation in the banking sector in explaining the root causes and possible effects. He also discusses protective strategies regarding this and the other financial challenges we face. He covers regrets that many retirees have and how to avoid them and he clears up misconceptions in the retirement arena in areas such as Social Security, annuities, taxes, and the 4% rule.
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Do you have a retirement plan that eases the fear of running out of money? Marty covers what to consider in helping to allay that fear including developing a spending plan, aggressively contributing to your retirement accounts, building an emergency fund, and preparing for health care costs. He offers suggestions to help you stay on track in your retirement. Marty stresses to not give up on the stock market but to properly allocate your risk and to consider safer alternative investment options. If you ask a retirement professional if you are ready to retire or how much you will need in retirement, you’ll probably get some questions from them to help them ascertain. Questions covered in this podcast include if you’ve considered a “second act” in your retirement, how important your financial legacy is to you, and if you and your spouse or partner share your retirement lifestyle vision.
You can reach Marty Nevel by calling 888-519-9096.
Smart Money Solutions
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Marty goes over strategies to consider in building your retirement income. He starts by discussing how retirement income building strategies are so much more important now than in the days when many people had a pension to count on. He talks about risk tolerance, using tools like annuities, and even taking a hard look at your retirement date and your Social Security claiming age in the effort to make your money last in retirement. He also breaks down the “rollover” strategies involving your 401(k), 403(b), and IRA.
You can reach Marty Nevel by calling 888-519-9096.
Smart Money Solutions
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Marty covers retirement savings strategies to consider and some to at least give a second thought. He discusses fixed annuities, Roth IRAs, Dividend Aristocrats, and Health Savings Accounts as some vehicles to strongly consider. He also stresses being properly proportioned as to how much you keep in a savings account, the pros and cons of CDs and Money Markets, and how much you should have in low risk investments. He also talks about the Fed and the effect that rising interest rates could have on your portfolio.
You can reach Marty Nevel by calling 888-519-9096.
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Proper planning makes the transition from accumulation to distribution go much smoother. Marty discusses the process with a conversation on moving away from accumulation and easing into distribution. He also addresses little ways in boosting accumulation in the financial red zone that can make a big difference. Marty moves into good ways to help your grandchildren monetarily and by sharing your wisdom.
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Smart Money Solutions
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Marty covers some strategies to help eliminate worrying about your retirement savings and running out of money in retirement. Those include paying off debt, determining retirement spending needs, practicing retirement spending, and investing in the right type of insurance. He then reveals some retirement stats related to longevity and planning for that, accessing retirement funds too early, and planning for the possibility of being forced into retirement before you’re ready. What are signs that you may not be ready to retire. Marty talks about those who are looking for a quick retirement fix and spending without a plan.
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Marty points out the way to help allay the fear of running out of money in retirement is by implementing good income streams. He talks about assessing your retirement income needs first and then looking at tools such as annuities and how you can possibly leverage higher interest rates. He gives his take on reverse mortgages and the need to look at how to maximum your Social Security claiming strategies. How are Americans coping with inflation. That’s also part of the conversation as well as looking at Roth opportunities.
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There are new savings and tax opportunities that could be utilized. Marty covers new income tax brackets and withholdings, the raising of standard deductions, contribution limits, and the RMD age. He offers an in depth look at annuities including the different types and the pros and cons. He then discusses what to consider in the event of the passing of a spouse. Topics covered include the tax implications, the changes in income, and making sure to consider avoiding decisions such as unplanned withdrawals.
You can reach Marty Nevel by calling 888-519-9096.
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Marty discusses the impact of taxes on retirement and steps to counteract that impact. He explains how withdrawals from retirement accounts and pensions can be taxed. He also talks about the calculation of provisional income and how that can make your Social Security subject to taxation. What are the milestone ages in your retirement journey? Marty goes over the important ages and even introduces a couple of new ones.
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Marty highlights mistakes to avoid in retirement planning including not factoring inflation and longevity, overestimating income, and not finding the balance of conservative and aggressive in investing. He looks at life events when it is important to consult your financial professional. Those include job change or loss of job, marriage, divorce, loss of spouse, and caring for a parent. Then he moves into a conversation which points out how retirement of today is different from that of our parents and grandparents. Certainly, the dwindling away of the private sector pension is included along with longevity, changing habits of how and when we retire, and health care concerns that can come with a longer life.
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Now that it has passed, Marty reviews some of the key provisions of Secure Act 2.0 including the raising of the RMD age, additional catch-up opportunities, and expanded Roth contributions. He looks at lessons that can be learned from 2022 and how to move forward towards retirement in a stronger position and then dispels some common retirement myths.
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Marty discusses unique challenges women face in planning for retirement and much of this can be attributed to the longevity of women. He also offers good retirement planning tips for 2023 and strategies to consider in making sure you have enough money in retirement.
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Marty defines the retirement income replacement rate and looks at what needs to be considered in building income for your retirement. This includes determining how much income you will need compared to your pre-retirement income, how much you earn, how much you save, when you will retire, your tax rates, and what Social Security covers. He also looks at tax strategies that can help you presently and in the future. This includes tradition 401(k) and IRA saving strategies as well as Roth. Then he discusses a growing trend of working in retirement in explaining why more people are choosing to in some form or fashion and what should be considered when making that choice.
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Marty covers some solid planning tips to help you retire in a challenging economy in 2023. Understanding sequence of returns and possibly delaying Social Security are part of the conversation. What are some important questions you should be able to answer when considering your retirement and income plan? Those include your budget, your tax strategies, long-term care protection, and other sources of income in your retirement. Marty also covers protecting your income in retirement.
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Marty covers strategies to implement when in the financial red zone which is five to ten years away from retirement. These include looking at funding your 401(k) to the max, rethinking your 401(k) assignments, and looking at traditional and Roth IRAs. He also addresses financial challenges head on like high inflation and possible recession and the need to build, plan, strategize, explore, and review.
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Marty reminds us that, even though you may choose to work in your seventies, there are still retirement planning considerations. Among those are how it will work with your RMDs, Social Security claiming strategies, and how working could impact your tax situation. He also addresses the fear of running out of money in retirement with moves to consider to help make your money last. Those include creating a floor, bucketing your money, making systematic withdrawals, and using account sequencing. Marty also points out some retirement planning mistakes to avoid in December with the end of the year approaching.
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Marty stresses the need to make sure you stay on track with your retirement savings in the financial red zone and offers solutions to avoid the obstacles. Those include inflation, stock market volatility, unexpected expenses, and debt. He then offers detours around those roadblocks that could keep you from your retirement target date and clarifies some common misconceptions about your 401(k).
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What are good questions to ask your financial professional in times of economic turmoil? Marty covers some of these including long-term planning, diversification, and whether or not to change course. He also warns of retirement mistakes to avoid and offers reminders of the changes to legacy planning which came with the original Secure Act.
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Your approach to investing in retirement can certainly be different than earlier in your life. Marty runs through some things to consider and some practices to avoid. They include having a proper philosophy that can be flexible and able to change over time and to avoid questioning your plan due to volatility, trying to outperform the market, and letting your emotions get the best of you. Marty looks at four financial gaps that could stand in your way to retirement. They include the knowledge, resources, perception, and empowerment gap. He also expands on some of the observations of Morningstar’s Christine Benz.
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Marty talks about the announced Social Security Cost of Living Adjustment for 2023 pointing out that it is the highest in forty years but also that inflation is as well. He discusses how this high inflation, volatility, and rising interest rates must be factored when planning for retirement. Marty gets into the sudden shift for retirees when entering retirement and goes over the process of “deaccumulation.” Then he looks at retirement challenge solutions such as planning for inflation in your other retirement income streams, preparing for out-of-pocket health care costs, and building good tax strategies.
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Marty cites results of a J.D. Power study that revealed some pitfalls of utilizing digital resources in planning your own retirement. He breaks down the advantages and, in his opinion, the necessity of working with a professional to build and maintain your retirement. He also goes over some of the “curveballs” of retirement in the form of unexpected expenses and then offers strategies to stay on track in the current economic environment.
You can reach Marty Nevel by calling 888-519-9096.
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Marty stresses the importance of communication between couples when approaching retirement. He discusses items where common ground needs to be found including budget, lifestyle, whether to stay or move, Social Security, and risks. He also covers good retirement distribution strategies and looks at what should be considered to help lessen the fear of running out of money in retirement.
You can reach Marty Nevel by calling 888-519-9096.
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Marty discusses reasons why some may decide to or need to delay their retirement start date. Reasons include having not saved enough, not accounting for taxes, relying exclusively on Social Security, and sequence of returns risk. He also goes over some last-minute financial moves you can consider before launching your retirement. Those include reducing portfolio risk, maximizing 401(k) contributions, planning your Social Security and Medicare strategies, and exploring long-term care protection options. Marty then shows how we need to factor in longevity to avoid some risks that can come with that including too much risk, outdated withdrawal strategies, and improper rollovers.
You can reach Marty Nevel by calling 888-519-9096.
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Marty talks about the shift that takes place when you retire from acquisition to distribution and what should be considered during this transition. Topics include creating a retirement spending plan and assessing risk. He also looks at strategies to review one year into retirement and then clears up a lot of confusion regarding annuities.
You can reach Marty Nevel by calling 888-519-9096.
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Marty goes through various streams of retirement income that may not be subject to taxation and breaks down the strategies to achieve that goal. He also continues to monitor high inflation and its effects on retirement planning and discusses steps to take in order to maintain the lifestyle you want in retirement.
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Marty breaks down proposals that are included in Securing a Strong Retirement Act of 2022 which is also known as Secure Act 2.0. Proposed changes include requiring employers to auto enroll employees in a 401(k) or 403(b), raising the RMD age, new rules for 401(k) retirement plans, and increases for catch up contributions. He also gives considerations on saving more and saving smarter for retirement such as factoring in longevity and inflation, looking at a health savings account, and considering an annuity. Marty then moves to what you will do with all that time in retirement. Trips, part-time work, fitness, health, and finding your purpose are included in the conversation.
You can reach Marty Nevel by calling 888-519-9096.
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In the midst of market volatility, what are the major concerns of retirees and pre-retirees? Marty breaks that down in looking at how Americans feel about the future of their retirement, the level of their fear of running out of money, and their ability to cover living expenses. He then discusses his approach to a safe withdrawal rate and moves into RMD mistakes to avoid.
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Marty looks at the issue that will present themselves in the future with tax-deferred retirement savings and offers some solutions. Challenges you could potentially face include snowballing required minimum distributions, possible higher Medicare premiums, and a tax burden on your heirs. Solutions presented include shifting savings from pre-tax to Roth and considering Roth conversions. He also talks about retirement regrets to avoid and how to make sure you can enjoy the lifestyle you want and then breaks down how interest rate hikes could be an additional challenge in your retirement planning.
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Marty outlines five risks of retirement including longevity, healthcare costs, poor asset allocation, and inflation. What if you find yourself with excess money in retirement? He covers some strategic ways you can gift money and assets now. Marty closes with the options you have with your 401(k) once you retire.
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Marty tackles some of the questions frequently asked by those before they enter retirement. Questions answered include concerns over inflation, wondering about retirement income necessary, and how to prepare for out-of-pocket health care costs. Marty then moves into alternatives to traditional long term care insurance that can be used as protective elements and then warns of some retirement saving bad habits to avoid.
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Marty examines a recent Transamerica survey conducted to determine what people know and don’t know about retirement planning. He comments on a surprising statistic of a low percent of workers who actually have a written plan and stresses the need of implementing strategies and understanding asset allocation. He then moves into tips on how to boost your retirement savings such as automating your efforts, sticking to a budget, and eliminating debt. Marty closes with a comparison of retirement strategies to the game of chess. He uses pawns, knights, queens, and kings as metaphors for different retirement components.
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Marty addresses the concerns on the minds of everyone and especially those entering retirement. Those concerns are, of course, inflation, recession, and the overall economic climate. He also talks about the best protection strategies. He examines a BlackRock survey which asked retirees and savers to describe their “go to” savings and growth vehicles and closed with dispelling myths about annuities.
You can reach Marty Nevel by calling 888-519-9096.
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Marty looks at the state of our economy and offers information on best protective strategies for retirees and soon to be retirees. He then turns to spousal retirement strategies when there is a significant age gap. Marty closes with tips on stretching retirement dollars including the proper Social Security decisions for you, diversification of your portfolio, creating a budget, and building retirement pay checks.
You can reach Marty Nevel by calling 888-519-9096.
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Marty looks at why more retirees are making the decision to return to the workforce. He points at what to consider in your planning to help make sure you only return to work by choice. He talks about how recession fears and high inflation are driving these decisions. Marty then covered tips to keep your retirement finances in good shape such as understanding your lifestyle expenses, creating that retirement paycheck, and understanding the tax impact. He then moved to some of the do’s and don’ts of retirement planning. He discussed how you should regularly review your performance and strategies and adjust your risk tolerance and how you should not try to act like a professional day trader nor completely avoid risk.
You can reach Marty Nevel by calling 888-519-9096.
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Marty talks about properly managing the concerns felt by retirees in the middle of possible recession, the highest inflation in forty years, and rising interest rates. He discusses the inverse relationship between the stock and bond market and explains how proper planning can set retirees up with built in income streams that can help ease the anxiety. He discusses how he determines his client’s “numbers” to better custom plan for them. He includes the financial independence number, the Social Security starting age, the number of guaranteed lifetime income someone will need, estimated health care out of pocket costs and possible long term care costs, and estimated monthly retirement spending. Marty closes with five things to absolutely consider in retirement planning including checking your asset allocation, building those liquid reserves, and monitoring your spending rate.
You can reach Marty Nevel by calling 888-579-9096.
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Marty discusses taxes that could impact your retirement income such as the 10-year payout rule, increase Medicare premiums, and how widow(er)'s lose married filing jointly tax rates. He looks at making sure you can achieve your retirement goals while also understanding that priorities will change over time. Once again, Marty points out the importance of remaining tax efficient. Marty knows the importance of learning from mistakes that have been made in retirement planning. He covers the mistakes of failing to cut back spending during high inflation, not taking into account the effect of a down or volatile market, blindly following conventional withdrawal rates, having unrealistic plans about your retirement age, and making bad Social Security decisions.
You can reach Marty Nevel by calling 888-519-9096.
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Marty demonstrates how small measures could make a big difference in light of the current economic climate. Strategies discussed include using credit cards to your advantage, reevaluating your insurance coverage, and even looking at services to consider cutting such as streaming services you never use. He then moves to potentially costly mistakes to avoid such as accessing retirement funds early and failing to maximize your Social Security benefits. Marty closes with a discussing on how to rectify potential retirement killers. He talks about the need to have an income plan in writing, avoiding pie-in-the-sky investment returns, and knowing your risk tolerance.
You can reach Marty Nevel by calling 888-519-9096.
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Marty points out the risks of retirement planning and focuses on risks of today including market volatility and inflation. He goes into the strategies that should be considered by pre-retirees and retirees given the standard risks and the risks of our current economic climate. He moves into good retirement preparation strategies especially for those with just a few more years to work. He then moves into how married couples should approach their retirement planning in making sure it’s a team effort with aligned goals, considered an age gap, healthcare costs and possible long term care later, and maximizing Social Security for both.
You can reach Marty Nevel at 888-519-9096.
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You want a retirement with as few regrets as possible. What are some things you can do in the financial red zone to avoid having those regrets? Marty covers that in this podcast. He also addresses the current economic climate with the bear market, inflation, rising interest rates, recession possibly looming and what retirees and soon to be retirees should be considering. He closes with good financial red zone moves to make sure you launch a stronger retirement such as catch-up saving, paying off debt, and determining retirement spending needs.
You can reach Marty Nevel by calling 888-519-9096.
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Marty points out how retirement planning is different now due to many factors such as dwindling pensions and longevity. He talks about the importance of building income, protecting your wealth, and factoring in health care costs and inflation. He then moves into discovering fees you may be paying and avoiding unnecessary costs in retirement including penalties. Marty then keeps the conversation grounded in reality as he debunks some retirement myths and old ways of thinking in crafting retirement strategies.
You can reach Marty Nevel by calling 888-519-9096.
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Marty covers three retirement investment mistakes to avoid including maintaining the wrong asset allocation, failure to properly diversify, and investing without liquid savings. If you are of the mind to expedite your retirement date, he gives you some things to consider. Marty also offers tips to help give you more comfort in your retirement spending such as developing a good, structured spending plan and exploring different potential income solutions.
You can reach Marty Nevel by calling 888-519-9096.
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Marty covers some important considerations when you first launch retirement to help preserve your wealth. He then moves into what could be new rules of retirement post-pandemic and given that people are living longer. Marty then goes over the planning strategies in the scenario of one spouse retiring and the other still working.
You can reach Marty Nevel by calling 888-519-9096.
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Marty explains what should be considered in formulating your retirement plan including knowing your vision, your day-to-day expenses, reviewing your assets, your risk, and your potential tax liability. The conversation then moves to options available with your old 401(k) and mistakes to avoid helping to make sure you don’t run out of money in retirement.
You can reach Marty Nevel by calling 888-519-9096.
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Marty covers the topic everybody’s talking about and that’s inflation. He talks about the need to have a growth aspect in your retirement plan, planning for healthcare costs, and even touches on TIPS and I-bonds. He then moves into some frequently asked questions on cryptocurrency and discusses whether or not it should be included in your retirement and by how much. He closes by going through the different phases of retirement to pre-retirement planning, the big day, the honeymoon phase, and creating your new retirement identity.
You can reach Marty Nevel by calling 888-519-9096.
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Marty goes over what should be considered when nearing retirement such as taking advantage of catch-up contributions, looking at your investment strategies, and making decisions about your Social Security. The discussion then moves into fortifying your portfolio and your retirement plan during times of market volatility and five mistakes to steer clear of when considering your retirement plan.
You can reach Marty Nevel by calling 888-519-9096.
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Marty goes over what should be considered when nearing retirement such as taking advantage of catch-up contributions, looking at your investment strategies, and making decisions about your Social Security. The discussion then moves into fortifying your portfolio and your retirement plan during times of market volatility and five mistakes to steer clear of when considering your retirement plan.
You can reach Marty Nevel by calling 888-519-9096.
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Marty breaks down the cumulative impact of federal and state taxes in retirement looking at Traditional IRAs and 401(k)s, Social Security, pension, annuities, and dividends. He also provides and update on Secure Act 2.0 and the proposed provisions as they stand now as this legislation works its way through Congress.
You can reach Marty Nevel by calling 888-519-9096.
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Marty discusses what to consider in helping to make sure you maintain the lifestyle you want in retirement and how to watch for fees and elements that could be eating away at your retirement. He also stresses the importance of couples being on the same page when it comes to retirement planning.
You can reach Marty Nevel at 888-519-9096.
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There’s so much going on in the economy to cause anxiety and especially for those nearing or in retirement. Marty offers some tips to help bring that anxiety down. He also tackles inflation with survival strategies and answers some frequently asked questions about annuities.
You can reach Marty Nevel by calling 888-519-9096.
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Marty outlines three tax strategies to help you keep more of what you’ve saved over the years. He then moves into the challenges we face such as high inflation and market volatility and the moves to help you navigate to and through your retirement such as generating lifetime income, proactive health care and tax strategies, and proper estate planning.
You can reach Marty Nevel by calling 888-519-9096.
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As we’re seeing high inflation, how should you factor that in your retirement plan? Marty explores the effects of inflation in your strategies and good moves to consider. He also discusses the psychological effect of transitioning from the accumulation phase of your life to one of decumulation and then talks about what he considers when meeting clients for their periodic portfolio review.
You can reach Marty by calling 888-519-90096.
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Taxes follow you into retirement. How do you make sure you pay only your fair share? Marty addresses many things to consider regarding taxes in retirement such as lost tax deductions, income strategies, Social Security tax rules, and components that are and are not subject to taxation. He stays on the tax theme with looking at the proactive strategy of utilizing the Roth IRA and then covers risks in retirement from longevity to health care and sequence of returns risk.
You can reach Marty Nevel by calling 888-519-9096.
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Does cryptocurrency belong in your retirement portfolio. Marty takes a close look at crypto and if or how to include it in your plan. He covers retirement planning strategies for those who started a little late and stresses that retirement planning of today is different from that of our parents’ generation.
You can reach Marty Nevel by calling 888-519-9096.
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Knowledge is power and Marty examines some things that retirees and pre-retirees don’t know that they don’t know. Three areas of insufficient knowledge are how much growth is needed to factor inflation, how much income Social Security will provide, and how much to safely withdraw. Marty also goes over some tax benefits for those 50 and older and warns of expenses that could put a dent in your retirement savings.
You can reach Marty Nevel by calling 888-519-9096.
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Marty takes a creative look at what can be considered additional income streams in retirement. The discussion turns to some vehicles that can be considered income streams in addition to good proactive tax devices. He then breaks down how your thinking should change in your fifties and then highlights fears faced by many retirees.
You can reach Marty Nevel by calling 888-519-9096.
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Do you have the right answers to important questions to help determine if you are ready for retirement? Marty covers three of those questions. Roth IRAs are part of the discussion and the proper legacy strategies with a Roth plus mistakes to avoid. Marty displays how the little things in retirement savings could make a big difference and offers some simple tips.
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The distribution phase of retirement can be complicated. Marty covers some retirement distribution strategies to consider. He covers some important things to consider while utilizing your 401(k) and good strategies with that and other retirement saving tools and options. What are red flags you may be missing on your road to retirement? Marty goes over a list of those and offers some solutions that could help you get back on track.
You can reach Marty Nevel by calling 888-519-9096.
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There are many people who may want to give “well-intentioned” but questionable tips on retirement. Marty stresses the importance of consulting a professional before making any decisions and he covers some commonly given questionable advice. He also covers how retirement planning can be different for women and he highlights some retirement mistakes to avoid.
You can reach Marty Nevel by calling 888-519-9096.
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Rules of thumb are approximate methods for doing something and certainly may need to be tweaked to adapt to changing times and situations. Marty discusses some investment and retirement rules of thumb everyone should know. He also breaks down retirement planning for couples and how each spouse may view retirement differently. He then covers much of what needs to be considered for retirement planning and how the strategies and line of thinking could be unique to that stage of your life.
You can reach Marty Nevel by calling 888-519-9096.
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Inflation, taxes, and investment challenges are three major threats that could impact your retirement. Marty offers suggestions of protection and proactive measures that can be implemented. He also discusses planning long term for retirement to help alleviate the risk of longevity and explain why the help of a professional is so critical in today’s retirement planning.
You can reach Marty Nevel by calling 888-519-9096.
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No one can accurately predict the next bear market and when it will occur, but one thing is for sure. You can prepare yourself for it and should if you’re approaching retirement. Marty outlines some moves that can help protect your retirement plan. He also outlines ways to supercharge your retirement savings if you got a late start and covers some calculations to consider in helping determine your retirement launch date.
You can reach Marty Nevel by calling 888-519-9096.
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How do you keep your finances in order when heading to retirement facing challenges like inflation and volatility? Marty discusses good measure in that regard as well as pointing out things to make sure you do not overlook as you’re heading to retirement. He also covers some important questions that sometimes clients are hesitant to ask.
You can reach Marty Nevel by calling 888-519-9096.
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How can you give your retirement accounts a good New Year’s workout? Marty discusses knowing your financial costs in retirement, understanding the impact of taxes, and creating a retirement paycheck. He also covers five expenses that could hurt your retirement savings and introduces ways to keep the calm in times of market volatility.
You can reach Marty Nevel by calling 888-519-9096.
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2022 will present some challenges such as inflation and possibly higher interest rates. That’s why our retirement plans need to be robust as we meet those challenges head on. Marty gives us some things to consider such as tools and strategies to consider to help against inflation, higher interest rates, and possible slower economic growth. He also presents options and strategies to build income streams in retirement and tips to boost your retirement nest egg.
You can reach Marty Nevel at Smart Money Solutions by calling 888-519-9096.
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Marty hosts a special Christmas podcast answers listener questions. Topics discussed include Social Security, the 4% rule, RMDs, Roth Strategies, 401(k) among others.
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What if you start a little late saving for retirement? Marty reminds us it is never too late but cautions us not to panic, to be careful with risk, and to seek the help of a professional. He also discusses some important returns on investment for all of your retirement saving including time and your health. Then he moves into strategies to weather the storm of a jittery market.
You can reach Marty Nevel by calling 888-519-9096.
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Rising inflation and market volatility continue to be a concern. Part of the discussion centers around the importance of considering the effect of the stock market on your retirement savings. Marty also offers ideas and strategies to maximize your 401(k) and outline some important decisions you’ll face related to your spending and income sources in retirement.
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Retirement risk worries loom large as we face inflation and uncertainty in the markets. Marty Nevel covers what should be considered in safeguarding your retirement. He also outlines some good proactive strategies that can help in securing as tax free a retirement as possible and Luke goes over some commonly asked questions financial professionals hear.
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There are pros and cons of working in retirement. Marty discusses some of the benefits and drawbacks of making that decision. He also points out some important things to consider before and during retirement to keep your plan strong. Finally, Marty explains some changes and proposed changes for Social Security in 2022.
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What are retirement strategies that are somewhat outdated today? Marty covers how we should approach mainstays such as the 60/40 split, the 4% rule, and a heavy concentration on dividend stocks. He also discusses some retirement changes on the horizon for 2022 and warns of the potential risks such as longevity, sequence of returns, and long-term care.
Reach Marty Nevel at 888-519-9096.
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What are retirement strategies that are somewhat outdated today? Marty covers how we should approach mainstays such as the 60/40 split, the 4% rule, and a heavy concentration on dividend stocks. He also covers some retirement changes on the horizon for 2022 and warns of the potential risks such as longevity, sequence of returns, and long-term care.
You can reach Marty Nevel by calling 888-519-9096
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Market volatility is the opening topic in this podcast. Marty outlines ways a market correction could impact your retirement along with tips to help keep your plan strong in the event of a correction of worse. What’s the key to protecting your savings from a crash and what are your best investment strategies? He also talks about simplifying your entry into retirement and goes over some of the financial gaps that could impact your planning.
To connect with Marty Nevel at Smart Money Solutions call 888-519-9096
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There is an art to properly withdraw from your retirement accounts and, if not done properly, it could cost you money. Marty discusses the right order in which to approach your withdrawal. He also looks at some red flags that could warn of adjustments needed to your current retirement thinking and he offers some tips in giving yourself confidence in spending in retirement.
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Inflation! Marty looks at where we are now and how to effectively plan long term for your retirement keeping inflation and longer lifespans in mind. He also explains how he runs a portfolio stress test for clients and how to implement a bucketing strategy in your retirement.
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Is your portfolio fortified to withstand market volatility? Marty Nevel goes through what to consider in making sure you can withstand a down market in retirement. He also discusses options you have with your old 401 (k) if you leave your job and Marty runs through a fourth quarter annual portfolio review checklist.
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What is SECURE Act 2.0? Marty Nevel will explain what the proposed legislation could mean for your retirement accounts if it is passed. He will also look at some steps you can take to make sure you have a smooth transition into retirement.
To get your questions answered, call Marty and his team at 888-519-9096.
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Marty Nevel has some tips on how to avoid mistakes when inheriting an IRA or 401k. An unexpected retirement can be overwhelming. Marty will discuss what you need to know to deal with this unforeseen situation. Single? Well, you are not alone when it comes to planning for your retirement on your own. Marty will go over important information for the 45.2% of the U.S. population living an independent lifestyle.
To get your questions answered, call Marty and his team at 888-519-9096.
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Marty Nevel will look into if it makes sense to add cryptocurrency like Bitcoin to your retirement portfolio. He’ll also look at several withdrawal strategies to keep taxes at a minimum and keep more of your hard earned money. So you want to retire? It takes strategic planning to get there and Marty will show you how. That and so much more!
To get your questions answered, call Marty and his team at 888-519-9096.
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Marty Nevel takes a look at how inflation may impact your retirement. He also goes over tips like when to start social security and RMD’s to keep your finances in excellent shape. There are so many moving parts of a retirement plan. Marty will take a step back and look at what you should and shouldn’t be doing and so much more!
To get your questions answered, call Marty and his team at 888-519-9096.
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Marty Nevel talks about things to consider when planning for decumulation or drawing down your retirement dollars, including how to set up your investments. He’ll also talk about how to avoid pitfalls and anxiety when it comes to not being properly prepared for retirement. Marty also talks about the “what ifs” when planning for retirement and how having a solid retirement and income plan is key and so much more!
To get your questions answered, call Marty and his team at 888-519-9096.
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On this week’s show, Marty Nevel talks about how inflation works and what you can do to combat inflation risk in your retirement plan. Next, he talks about what you can do with a 401k once you enter into retirement and it’s all dependent on your age, when you retire and the rules your company has regarding the 401k. Most people will need some type of long term care as they age. Marty will talk about long term care insurance alternatives and a lot more.
To get your questions answered, call Marty and his team at 888-519-9096.
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Marty Nevel takes a look to see if you are ready to start your retirement journey sooner. Over a trillion dollars is left behind in old 401k’s. Yep, you read that right. Marty will explain what you can do to retrieve yours if you have one and put it to work for you in your retirement. Think it’s hard to save for retirement if you don’t have a 401k? Think again. Marty will give you different options that can put you on the right track to a stress free retirement.
To get your questions answered, call Marty and his team at 888-519-9096.
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Marty Nevel will break down some universal things that apply to baby boomers everywhere. So, is age 62 when you should take Social Security? Marty will have some questions you need to answer before making that decision. And he will have some surprising truths when it comes to how much we are really saving for retirement and a lot more!
To get your questions answered, call Marty and his team at 888-519-9096.
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Marty Nevel talks about how doing some work in advance of your retirement can keep taxes low or best yet, avoid them altogether. He’ll explain. Once you hit 50, it’s time to buckle down and get serious about retirement. Marty will have tips to help you. He will also have some things you may be doing to sabotage your retirement and not even know it. That and more!
To get your questions answered, call Marty and his team at 888-519-9096.
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Coming up on this week’s show, Marty Nevel has some tax savings strategies for your retirement. He also has some simple steps that can help you jump start your retirement savings as you get closer to your target date. Marty will also take a look at a Morningstar report with some great retirement savings tips that have been gathered over the years. That and a lot more
To get your questions answered, call Marty and his team at 888-519-9096.
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On this week’s show, Marty Nevel breaks down a retirement checklist to see if you have all of your t’s crossed and your i’s dotted. He’ll also have important questions to ask a prospective financial advisor and women traditionally save less when it comes to retirement. Marty will point out some ways to help women achieve their retirement savings goals. That and a lot more!
To get your questions answered, call Marty and his team at 888-519-9096.
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Is there such a thing as a “happy retirement plan” Believe it or not, there is and on this week’s show, Marty Nevel will tell you how you can get one! He’ll also separate facts from fiction when it comes to how much you need to have saved for such things like healthcare expenses. So, you have been saving and have a plan. Great! You may be ready right now to take the plunge and retire. Marty will give some tips on how to know if you are ready to go That and so much more!
To get your questions answered, call Marty and his team at 888-519-9096.
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Marty Nevel talks about the three things you need to have as you navigate the next phase of your life. He’ll also outline some things to keep in mind to make your retirement plan better, how to have the best retirement distribution plan and a lot more!
To get your questions answered, call Marty and his team at 888-519-9096.
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Marty Nevel takes a look at the differences between Roth IRA’s and Roth 401k’s and talks about which one may be best for you. He’ll also talk about things you can do when you are in retirement. Taking up tennis and cruising may be top of mind but there are some important things that you need to do that will make your retirement stress free. He’ll explain. The decade leading up to retirement is crucial to the retirement benefits you’ll have and how much you will be able to spend. Marty will have tips on that and a lot more!
To get your questions answered, call Marty and his team at 888-519-9096.
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On this week’s show, Marty Nevel will show you the five areas that can help your retirement be successful. He’ll also show you how to make sure you are on the right track with the best retirement plan for you and give you tips on realistic retirement planning strategies and a lot more!
To get your questions answered, call Marty and his team at 888-519-9096.
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Marty Nevel will take a look at retirement planning myths and how to avoid them destroying your retirement savings. Ever hear of phased retirement? You’re not alone if you haven’t. Marty will explain what it is and if it is right for you. He’ll also talk about when one spouse retires while the other does not and how to make a smooth transition and make sure to have enough retirement income and much more!
To get your questions answered, call Marty and his team at 888-519-9096.
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On this week’s show, Marty Nevel will highlight some retirement milestones and why you should celebrate them. He will also go over some strategies to position yourself into a tax efficient retirement. No 401k? No problem! He will go over options that you can use to save for retirement, even if you are self employed and a lot more!
To get your questions answered, call Marty and his team at 888-519-9096.
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Marty Nevel will give tips on how to protect your financial future by avoiding common mistakes in divorce after 50. He will also offer advice about the decumulation process and what you should and shouldn’t be doing and what steps you need to take to weather a market volatility storm and so much more!
To get your questions answered, call Marty and his team at 888-519-9096.
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Coming up on this week’s show, Marty Nevel explains what you need to know about Secure Act 2.0 and why it has a good possibility of passing in Congress. Plus, he will also talk about expenses in retirement and why it is so important to have a plan in place and so much more!
To get your questions answered, call Marty and his team at 888-519-9096.
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Coming up on this week’s show, Marty Nevel will give you the steps on how to have a smooth transition into retirement and it all begins with a plan. Losing a spouse is never easy and that includes making financial decisions. He’ll explain how not to make costly mistakes when going through that difficult time. Marty will also take a look at some common risks and see if they are worth taking and a whole lot more!
To get your questions answered, call Marty and his team at 888-519-9096.
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Money is definitely important when it comes to your retirement years but it’s not everything. Marty Nevel will outline a few secrets that could lead to a happy retirement. He will also discuss how not taking taxes into consideration could wreck your retirement and how knowing about annuities can complement your retirement portfolio. He’ll break that down and more!
To get your questions answered, call Marty and his team at 888-519-9096.
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On this week’s show, Marty Nevel will break down some retirement “truth bombs” that will help avoid a financial crunch down the line; he will also take a look at a study of those who plan to delay and to accelerate their retirement and how you may relate; having a 401K is a good thing but Marty is going show you how a Roth IRA can complement it and a lot more!!
To get your questions answered, call Marty and his team at 888-519-9096.
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Preparing for retirement may feel like a full-time job with so much to know but on this week's show, Marty Nevel has some tips to prepare you for your golden years, including having a budget and retirement goal age. He also talks about how to avoid rookie retirement mistakes, how to keep your taxes in check and minimize the impact and a lot more!
To get your questions answered, call Marty and his team at 888-519-9096.
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On this week's show, Marty Nevel has some good advice on how to avoid making retirement mistakes in challenging financial times including retiring too soon; Common sense planning tips including how to minimize “financial termites”; how to plan for retirement like an adult, yep, including not spending beyond your means and a lot more!
To get your questions answered, call Marty and his team at 888-519-9096.
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On this week's show, Marty Nevel has the remedies to cure certain stressors that may be plaguing you in your retirement goals; He will also go into some errors you could be making when it comes to your retirement; He will also explain how to figure out how much you are spending as you approach retirement and how to stick to a budget and a whole lot more!
To get your questions answered, call Marty and his team at 888-519-9096.
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On this week's show, Marty Nevel talks about some potential mistakes you may have made when it comes to retirement and if you have, solutions on how to fix them; He also talks about 401k's, annuities, how to avoid making serious blunders, including outliving your money and much more!
To get your questions answered, call Marty and his team at 888-519-9096.
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On this week's show, Marty Nevel gives some tips on how not to run out of money in retirement, including looking at your rate of return and inflation; He also breaks down some financial deadly sins and how not to let your emotions get the better of you when it comes to your retirement and he outlines some steps to take to avoid pitfalls in retirement, including a well-crafted plan and much more!
To get your questions answered, call Marty and his team at 888-519-9096.
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On this week's show, Marty Nevel talks about the five factors to look at to have a steady monthly income in retirement including, social security and Roth IRA conversions; he also takes an in depth look at the Roth IRA 5 Year Rule, including consequences and exceptions and also some truths about old standard advice that may surprise you and a lot more. To get your questions answered, call Marty and his team at 888-519-9096.
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On this week's show, Marty Nevel gives you some signs to look out for if you are in danger of running out of money in retirement and some solutions to avoid that, retirement questions to ask yourself before the big one, "How much do I save?." He also tackles questions you may be hesitant to ask your advisor and a lot more. To get your questions answered, call Marty and his team at 888-519-9096.
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On this week's show, Marty Nevel will highlight some statistics about retirement and some may really surprise you. The good news, there’s still time to get yourself on track. He will also explain what decumulation is, dispel three myths including: social security, the stock market and savings and more! Call Marty at 888-519-9096.
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On this week's show, Marty Nevel has some tips for a successful retirement, including how to get into and stay into the saving habit, IRA rollovers and more! Call Marty at 888-519-9096.
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On this week's show, Marty Nevel takes a look at how retirement has changed in the past twenty years, the top ten truths about retirement, how to maximize your retirement dollars, counterintuitive strategies that work and a lot more. Call Marty at 888-519-9096.
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On this week's show, Marty Nevel talks about the benefits of having a Roth IRA, the differences between men and women when it comes to retirement planning, some ideas and ways you can save for retirement if your employer doesn't offer a 401k and a lot more. Call Marty at 888-519-9096.
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When planning for retirement, having enough money is important. In addition, there are a couple things to strive for: maximize income and minimize income tax liability. On this week's show, Marty Nevel goes through those points, plus, retirement planning during times of economic uncertainty, how to avoid mistakes while in retirement and a whole lot more. Call Marty at 888-519-9096.
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How do you know if you’re ready to retire? On this week's show, Marty Nevel asks you some questions to see if you are truly ready to ride off into the sunset, he will also help you get and keep your finances on track, mistakes to avoid when a spouse passes away and a whole lot more. Call Marty at 888-519-9096.
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Many of us are hoping for a smoother 2021. Before we get too far down the road, Marty Nevel highlights some lessons learned from 2020, three tax rules to help you avoid unpleasant surprises, little things that cause big problems in retirement and a lot more on this week's show. Call Marty at 888-519-9096.
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When it comes to retirement planning turning 65 is a pivotal year even if you aren’t planning to retire yet. Marty Nevel talks about five things you need to know about finances when you turn 65 on this week's show. He also has tips on how to maximize your retirement and a whole lot more. Call Marty at 888-519-9096.
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The new year is a great time to take a look at your retirement plan and make sure it’s ready to go. Marty Nevel has some tips that could help tune up your retirement plan. Call Marty at 888-519-9096.
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In this episode Marty Nevel takes a look at five financial risks and discusses ways to avoid them. He also talks about ways to tie up some financial loose ends when you're in the financial red zone which is five to ten years before retirement. Finally, Marty gives some good goals to establish in the new year in the hopes of helping you achieve more success in your retirement plan.
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In this episode Marty Nevel gives some good 2021 retirement planning tips. He also explains how retirement planning can be different for women. Finally he goes over some things you can do financially that could impact your happiness in retirement.
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In this episode Marty Nevel explores several retirement income strategies and explains the benefits of having a retirement specialist build your plan. He also warns of some Social Security surprises you could encounter.
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In this episode Marty Nevel goes over some retirement questions you should answer for yourself as you prepare. He also gives some of the advantages of working just a bit longer. Finally, Marty highlights the tax savings opportunities with three retirement accounts.
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In this episode Marty Nevel offers six financial planning tips to close out the year 2020. He also goes over seven questions that should be answered when planning for retirement. Finally, Marty gives a heads up on four major retirement planning mistakes that should be avoided.
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In this episode Marty Nevel lays down some good rules to follow so that you can better enjoy your retirement. He also explains the pros and cons of the different retirement savings vehicles. Finally, Marty offers some tips to help you loosen the purse strings a little in retirement.
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In this episode Marty Nevel explains how your retirement will be different from that of your parents and grandparents. He also covers good planning strategies for when you're in your fifties and sixties. Finally, Marty points out traits of successful CEOs and how you can incorporate those into the running of your retirement.
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In this episode Marty Nevel talks about year round tax strategies and how to best employ them during retirement. He also gives some good things to consider for the approximately 10,000 baby boomers who are retiring every day. Finally, Marty discusses ideas and strategies to keep your money safe in retirement.
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In this episode Marty Nevel discusses year-end retirement planning deadlines that could potentially bring tax savings. He also goes over the proper strategies to plan for a 30+ year retirement. Finally, he warns of penalties to avoid and fees to watch for.
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In this episode Marty Nevel points out how retirement can be longer term now and highlights mistakes to avoid in planning long term. He also runs down some potential budget busting expenses in retirement. Finally, he gives tips on boosting your nest egg when you're in the financial red zone.
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In this episode Marty Nevel highlights common retirement risks and potential solutions to mitigate them. He also brings up topics that you should be discussing with your financial advisor. Finally he discusses four mistakes to avoid in making sure you do not run out of money in retirement.
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In this episode Marty Nevel offers tips to help you give to your grandkids while not damaging your nest egg. He also gives four must have documents to make sure your wishes are respected regarding the legacy you leave behind. Finally, Marty gives some reasons why it may pay to delay your retirement by at least a year.
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In this episode Marty Nevel gives fair warning on common mistakes people make as they get closer to retirement. He also offers some really good tax strategies you could employ during retirement.
Finally, he discusses the right tactics if you find yourself in early retirement.
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In this episode Marty Nevel looks at how the pandemic could have acted as a dress rehearsal.
He also offers tips on how to maintain your pre-retirement lifestyle in retirement. Finally he puts to rest some common retirement fears.
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This episode Marty Nevel highlights mistakes retirees commonly make and gives tips on how to avoid them. He also offers advice on how to feel more comfortable on spending in your retirement. Finally, he discusses the upcoming presidential election and if the results will affect your retirement.
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In this episode Marty Nevel covers six steps that can get you started with a successful retirement plan. He also offers some eye opening Social Security statistics and gives five reasons why ever retiree should have an emergency fund.
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In this episode, Marty Nevel describes the proper strategies in maximizing your 401(k).
He also explains the importance of having all of your bases covered in retirement planning and why you should seek a retirement specialist to help you build that plan and be there with you along the way.
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Marty Nevel lays out the best tax saving strategies to help you keep more of your money. He offers insight into the right retirement plan to keep you on track as well as steps to take if you face early retirement.
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In this episode Marty Nevel discusses strategies to build regular, dependable income in retirement. He lists what he covers with his clients in that one year into retirement checkup. Marty also compares retirement of past generations to the retirement of today and the future.
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Marty Nevel offers tips on making retirement planning seem less overwhelming. He offers goes over some good retirement tax strategies as well as effective and efficient ways to help the grandchildren.
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Marty offers potential steps to help allay the fear of running out of money in retirement.
He runs down a checklist to see if you're ready for retirement.
Marty also offers information on the right strategies for long term retirement planning.
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Marty shares quotes and ties them in to retirement. He also offers good information on strategies during the pandemic and goes over what you should be doing in your 50s to prepare for retirement in your 60s.
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Marty debunks common retirement and Social Security myths. He also offers tips on possibly bumping up your retirement date.
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Marty guides you through the four phases of retirement. He offers tips on finding the right financial advisor. Marty also uncovers hidden fees you may not be aware of.
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Taking Advantage of Positive Financial Possibilities
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It's official: We're in a recession. What now?
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