The Wealth Lab with Don and Ashley: Recent Episodes
Don Spini and Ashley Patterson
Don Spini, Ashley Patterson and the team bring everything you need to know about retirement and income planning in a fast paced format. Each week, the hosts and guests on the show reveal the latest developments in the financial world to keep you informed of changes that may affect you personally, while sharing some common sense strategies that will help you make the most out of your retirement savings. We are focused on helping investors preserve and grow their assets, increase their income, and reduce taxes.For more information or to get your own questions answered, call or text (800) 514-4575.
Don 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.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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We can learn from celebrities even when they make mistakes. Ashley covers some bad celebrity financial moves from not having proper estate planning to overspending to getting in trouble over taxes. She 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.
You can reach Don Spini and Ashley Patterson at 800-514-4575.
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Don and Ashley interpret 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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Don and Ashley share insight into our current climate and factors to consider given higher inflation and higher interest rates. They also break down a survey reflecting confidence levels of those in the Generation X and baby boomer generations.
You can reach Don and Ashley at 800-514-4575.
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Don and Ashley take the hot seat in answering retirement questions to see if they can win all the “show money.” Questions range from FRA for Social Security to Roth strategies and from contribution limits to tax considerations. They then dive into five critical components of retirement financial planning. They are investment, tax, and income strategies, estate planning, and healthcare planning.
You can reach Don Spini and Ashley Patterson at 800-514-4575.
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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. Don covers the 4 percent rule, the Rule of 72, the 60/40 Stock/Bond Rule, and the Rule of 100. He also gives information on Social Security in the form of a quiz.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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What should you be considering now to help avoid retirement regrets? Don and Ashley cover everything from proper savings strategies to strategies for couples and building a realistic spending plan. They also break down a lot of the claiming rules and strategies with Social Security.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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Don and Ashley discuss the strategies to give you confidence in your retirement plan. These include eliminating debt and building your savings, having a sound retirement budget, a clear proactive tax plan, and maximizing Social Security. They also talk about how cash flow is king in retirement and the importance of building that income. Parker Holland also joins in with a case study.
You can reach Don and Ashley by calling 800-514-4575.
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Don and Ashley demonstrate 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. They feature comments from Warren Buffett on staying the course and discusse how we should look at bonds in today’s climate.
You can reach Don Spini and Ashley Patterson by calling 810-514-4575.
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Ashley gives us some moves to consider that could pay off in the long run in the area of taxes in retirement. She talks about considering a partial rollover from your 401(k), a Roth IRA conversion, and even life insurance. Why do some people put off seeing a financial professional. Ashley addresses some of the excuses. Then Don and Ashley discuss the fear so many retirees have of running out of money in retirement and meet those head on.
You can reach Don Spini and Ashley Patterson by calling 810-514-4575.
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Ashley 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. She 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.
You can reach Don Spini and Ashley Patterson by calling 810-514-4575.
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Don and Ashley cover strategies to consider when you’re in the financial red zone during the periods 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.
You can reach Don Spini and Ashley Patterson by calling 810-514-4575.
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Don and Ashley open with tips on how to live your best retirement life. They talk about many considerations when entering retirement and the importance of having dependable, on-going income built in. They cover some vital questions that you should have answered before retirement such as calculating your average annual return over the last one, three, and five years and knowing your risk formula. Then they clear up some misinformation on annuities.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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Don and Ashley cite statistics from a couple of surveys that state the obvious. Couples don’t necessarily see eye to eye when it comes to finances and retirement. They stress the need for compromise in areas such as risk, savings, and retirement target date. They address retiree concerns like inflation, the state of Social Security, and longevity and get back to basics with some good practices to make sure you’re on the right track to retirement.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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Don and Ashley cover 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. Parker Holland steps into the studio with another case study how showing income can be built with principal protection.
You can reach Don and Ashley by calling 800-514-4575.
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Don and Ashley explain the importance of building income sources in your retirement and making sure they are in line with your expected expenses. They dive into the subject of behavioral finance and how all the components relate to retirement planning. They also highlight ways that money could be wasted in retirement such as excessive fees, overpayment in taxes, overspending, and ignoring healthcare costs. Parker Holland joins in with one of his case studies.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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We give three statements about retirement consideration and Don and Ashley point out the one that is not true and explains why. They also expand on some of the ones that are true. Don and Ashley cover valid retirement related questions that begin with the word “when” and point out areas to address in the planning process to help ease the anxiety of challenging economic times.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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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 Don. Don and Ashley also cover the importance of having dependable income strategies in your retirement but also making sure you have a spending plan to go along with them.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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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 Don and Ashley relate lines from movies to what we should be considering in strategizing for retirement. They bring 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? Don and Ashley cover some of them in this podcast.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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What are people searching for online when deciding to seek the help of a financial advisor? Don and Ashley cover 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. They explain 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 Don and Ashley move into how to help ease that transition from accumulation to de-accumulation in retirement.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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Following the failed attempt to override President Biden’s veto of the Labor Department ESG investment rule, Don and Ashley explore the potential effects of that on the retirement savings efforts of Americans. They also discuss 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.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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Don and Ashley look at the situation in the banking sector in explaining the root causes and possible effects. They also discuss protective strategies regarding this and the other financial challenges we face. They cover regrets that many retirees have and how to avoid them and they clear up misconceptions in the retirement arena in areas such as Social Security, annuities, taxes, and the 4% rule.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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Don and Ashley look at the state of our economy and offer information on best protective strategies for retirees and soon to be retirees. They then turn to spousal retirement strategies when there is a significant age gap. Don and Ashley close 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 Don Spini and Ashley Patterson at 800-514-4575.
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Do you have a retirement plan that eases the fear of running out of money? Don and Ashley cover 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. They offer suggestions to help you stay on track in your retirement. Don and Ashley stress 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 Don Spini and Ashley Patterson by calling 800-514-4575.
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Don and Ashley go over strategies to consider in building your retirement income. They start 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. They talk 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. They also break down the “rollover” strategies involving your 401(k), 403(b), and IRA.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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Don and Ashley cover retirement savings strategies to consider and some to at least give a second thought. They discuss fixed annuities, Roth IRAs, Dividend Aristocrats, and Health Savings Accounts as some vehicles to strongly consider. They also stress 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. They talk about the Fed and the effect that rising interest rates could have on your portfolio.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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Proper planning makes the transition from accumulation to distribution go much smoother. Ashley Patterson discusses the process with a conversation on moving away from accumulation and easing into distribution. She also addresses little ways in boosting accumulation in the financial red zone that can make a big difference. Ashley moves into good ways to help your grandchildren monetarily and by sharing your wisdom.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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Don 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. Don talks about those who are looking for a quick retirement fix and spending without a plan.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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Don and Ashley cover new income tax brackets and withholdings, the raising of standard deductions, contribution limits, and the RMD age. They offer an in depth look at annuities including the different types and the pros and cons. They then discuss 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 Don Spini and Ashley Patterson by calling 800-514-4575.
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Don Spini discuses 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? Don goes over the important ages and even introduces a couple of new ones.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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The conversation opens with 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. Don and Ashley then present the best and worst performing sectors for 2022 and then move into a case study involving a couple with a retirement target date of five years from now. He showed how they inventoried their assets, evaluated their risk score, and worked to build solid retirement income into their plan.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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Now that it has passed, Don and Ashley review 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. They look 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.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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Don and Ashley discuss unique challenges women face in planning for retirement and much of this can be attributed to the longevity of women. They also offer good retirement planning tips for 2023 and strategies to consider in making sure you have enough money in retirement.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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Don and Ashley define the retirement income replacement rate and look 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. 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. Don and Ashley also go over some good financial resolutions to make including reviewing brokerage accounts for fees, taking another look at your life insurance policies for possible added protection, and creating a safety net around your retirement accounts.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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Don and Ashley cover 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. Don and Ashley also cover protecting your income in retirement.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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Don and Ashley cover 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. They also address financial challenges head on like high inflation and possible recession and the need to build, plan, strategize, explore, and review.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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Don Spini and Logan Marcus stress 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. They also offer detours around those roadblocks that could keep you from your retirement target date and clarifies some common misconceptions about your 401(k).
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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With Don Spini on assignment, Chris Chatto, the President of Encompass More Group, joins Ashley in a conversation starting with overlooked retirement facts. These include the fact that Social Security can be taxed and that there is no age limit for a contribution to Roth with earned income. Chris stays for the conversation on five major retirement expenses. Ashley then continues covering frequently asked 401(k) questions.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575/
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What are good questions to ask your financial professional in times of economic turmoil? Don and Ashley cover some of these including long-term planning, diversification, and whether or not to change course. They also warn of retirement mistakes to avoid and offer reminders of the changes to legacy planning which came with the original Secure Act.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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Don and Ashley look at strategies to have in place when you first retire. They cover the adjustment period, prioritizing expenses, continuing to save, having a Social Security Strategy, and seeking out professional help. Don and Ashley also discuss the next wave of retirees-Generation X. These are the people born between 1965 and 1980. The older ones are clearly in the financial red zone but are they ready? They look at a study survey that will give some insight. Then they move into some things to consider at the end of the year including maximizing your 401(k), IRA, Roth, and Health Savings Account savings and looking at strategic tax moves.
You can reach Don Spini, Ashley Patterson, and the team by calling 800-514-4575.
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Logan Marcus joins the podcast in this episode. Your approach to investing in retirement can certainly be different than earlier in your life. Don and Logan run 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. Don and Logan look at four financial gaps that could stand in your way to retirement. They include the knowledge, resources, perception, and empowerment gap. They also expand on some of the observations of Morningstar’s Christine Benz.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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Don and Ashley talk 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. They discuss how the high inflation, volatility, and rising interest rates must be factored when planning for retirement. Don and Ashley get into the sudden shift for retirees when entering retirement and goes over the process of “de-accumulation.” Then they look 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.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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Don and Ashley cite results of a J.D. Power study that revealed some pitfalls of utilizing digital resources in planning your own retirement. They break down the advantages and, in their opinion, the necessity of working with a professional to build and maintain your retirement. They also go over some of the “curveballs” of retirement in the form of unexpected expenses and then offer strategies to stay on track in the current economic environment.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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Don and Ashley discuss 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. They also go 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. Don and Ashley then show 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 Don Spini and Ashley Patterson by calling 800-514-4575.
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Don and Ashley go through various streams of retirement income that may not be subject to taxation and breaks down the strategies to achieve that goal. They also continue to monitor high inflation and its effects on retirement planning and discuss steps to take in order to maintain the lifestyle you want in retirement.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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Don and Ashley break 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. They also give 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. Don and Ashley then move 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.
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In the midst of market volatility, what are the major concerns of retirees and pre-retirees? Don and Ashley break 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. They also discuss his approach to a safe withdrawal rate and move into RMD mistakes to avoid.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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Don and Ashley look at the issues 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. They also talk 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.
You can reach Don and Ashley by calling 800-514-4575.
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Don and Ashley outline five risks of retirement including longevity, healthcare costs, poor asset allocation, and inflation. What if you find yourself with excess money in retirement? They cover some strategic ways you can gift money and assets now. Don and Ashley close with the options you have with your 401(k) once you retire.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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Don and Ashley tackle 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. They then move 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.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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Retirement Wealth Strategist Parker Holland joins Ashley Patterson and offers another great case study showing the strategies put in place for a couple to help them meet their lifestyle standards, still offering growth, and meeting legacy expectations. Ashley and Parker discuss results from a BlackRock survey asking retirees and savers their favorite savings and growth vehicles and then dispel some myths on annuities.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
DNA Wealth Partners
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Don and Ashley cover steps to take in the financial red zone, the five to ten years before you retire, that can help make sure your money takes you all the way through retirement. They cover creating tax-diversified sources of income, looking at opening a Health Savings Account for those eligible, eliminating debt, and creating that financial plan with a retirement specialist. What is the compounding effect of inflation and the loss of purchasing power and how is that affecting retirees and soon to be retirees? Don and Ashley provide answers along with discussing strategies to factor in high inflation. They close by looking at certain behaviors that could potentially sabotage your retirement plan such as not looking ahead, being overly optimistic with your budget, and procrastination.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
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Ashley Patterson is joined by Retirement Wealth Strategist Parker Holland. They 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. Then they move to potentially costly mistakes to avoid such as accessing retirement funds early and failing to maximize your Social Security benefits. Ashley and Parker close with a discussion on how to rectify potential retirement killers. They talk 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 Don Spini and Ashley Patterson by calling 800-514-4575.
DNA Wealth Partners
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Don Spini is joined by Retirement Wealth Strategist Parker Holland. They demonstrate 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. They then move to potentially costly mistakes to avoid such as accessing retirement funds early and failing to maximize your Social Security benefits. Parker shares a case study of a couple, ages 59 and 60, who plan to retire at age 62. He demonstrated how an income stream was created that produced what they needed in annual income while growing the principle.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
DNA Wealth Partners
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Don and Ashley point out the risks of retirement planning and focuses on risks of today including market volatility and inflation. They go into the strategies that should be considered by pre-retirees and retirees given the standard risks and the risks of our current economic climate. They move into good retirement preparation strategies especially for those with just a few more years to work. They then move 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 Don Spini and Ashley Patterson by calling 800-514-4575.
DNA Wealth Partners
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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? Don and Ashley cover that in this podcast. They also address 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. They close 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 Don Spini and Ashley Patterson by calling 800-514-4575.
DNA Wealth Partners
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Market volatility is the opening topic in this podcast. Don and Ashley are joined by retirement wealth strategist Tony Ruggieri as they outline 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. They also talk about simplifying your entry into retirement and go over some of the financial gaps that could impact your planning.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
DNA Wealth Partners
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Don Spini, Ashley Patterson, and special guest Retirement Wealth Strategist Kyle Pesch cover 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, they gives you some things to consider. They also offer 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 Don Spini and Ashley Patterson by calling 800-514-4575.
DNA Wealth Partners
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Don and Ashley are joined in the studio by Retirement Wealth Strategist Tony Ruggieri. They cover some important considerations when you first launch retirement to help preserve your wealth. They then move into what could be new rules of retirement post-pandemic and given that people are living longer. Don, Ashley, and Tony then go over the planning strategies in the scenario of one spouse retiring and the other still working.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
DNA Wealth Partners
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Don and Ashley stress the importance of proper financial knowledge and in knowing what to expect when it comes to retirement planning. They also cover how retirement accounts and dividend stocks can be a great pairing and then go over some basics to consider as you approach retirement such as time horizon, income needs, risk tolerance, estate planning, and long-term care protection.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
DNA Wealth Partners
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Don and Ashley cover the topic everybody’s talking about and that’s inflation. They talk about the need to have a growth aspect in your retirement plan, planning for healthcare costs, and even touches on TIPS and I-bonds. They then move into some frequently asked questions on cryptocurrency and discuss whether or not it should be included in your retirement and by how much. Retirement Wealth Strategist Parker Holland shares a case study and then hangs around to answer some frequently asked questions.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
DNA Wealth Partners
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Don and Ashley go 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 Don Spini and Ashley Patterson by calling 800-514-4575.
DNA Wealth Partners
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Market volatility is the opening topic in this podcast. Don and Ashley outline 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? They also talk about simplifying your entry into retirement and go over some of the financial gaps that could impact your planning.
You can reach Don Spini and Ashley Patterson by calling 800-514-4575.
DNA Wealth Partners
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Don and Ashley break 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. They also provide an 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 Don Spini and Ashley Patterson by calling 800-514-4575.
DNA Wealth Partners
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Don and Ashley discuss 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. They also stress the importance of couples being on the same page when it comes to retirement planning.
You can reach Don and Ashley by calling 800-514-4575.
DNA Wealth Partners
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There’s so much going on in the economy to cause anxiety and especially for those nearing or in retirement. Don and Ashley offer some tips to help bring that anxiety down. They also tackle inflation with survival strategies and answer some frequently asked questions about annuities.
You can reach Don Spini and Ashley Patterson at 800-514-4575.
DNA Wealth Partners
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Don and Ashley outline three tax strategies to help you keep more of what you’ve saved over the years. They then move 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 Don Spini and Ashley Patterson at 800-514-4575.
DNA Wealth Partners
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As we’re seeing high inflation, how should you factor that in your retirement plan? Don and Ashley explore the effects of inflation in your strategies and good moves to consider. They also discuss the psychological effect of transitioning from the accumulation phase of your life to one of decumulation and then talk about what they consider when meeting clients for their periodic portfolio review.
You can reach Don and Ashley by calling 800-514-4575.
DNA Wealth Partners
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Crypto in Retirement-Never Too Late-The New Retirement
Does cryptocurrency belong in your retirement portfolio. Don and Ashley take a close look at crypto and if or how to include it in your plan. They cover retirement planning strategies for those who started a little late and stress that retirement planning of today is different from that of our parents’ generation.
You can reach Don and Ashley by calling 800-514-4575.
DNA Wealth Partners
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Taxes follow you into retirement. How do you make sure you pay only your fair share? Don and Ashley address 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. They stay on the tax theme with looking at the proactive strategy of utilizing the Roth IRA and then cover risks in retirement from longevity to health care and sequence of returns risk.
You can reach Don and Ashley by calling 800-514-4575.
DNA Wealth Partners
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Creating income in retirement is one of the main goals. The good news is we’ve got some ideas for you to consider.
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Some people map out a retirement age and work toward the goal of ending their careers at a specific time. And to be clear, that's a good way to go. But if you're thinking of retiring, you'll need to make sure you can definitively answer these questions before making that decision.
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Finance experts say there are a handful of retirement distribution strategies that can be used to stretch money further for a long retirement, and these can be combined and changed over time.
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Planning for retirement is a far better move than just winging it. But in the course of your planning, you may come across certain pieces of advice that could end up leading you seriously astray. Here are a few such myths you must avoid at all costs.
To help plan for your retirement reach out to Don & Ashley at 800-514-4575
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On Today's Show: Rule of thumb is an approximate method for doing something, based on practical experience rather than theory. What we have here are a bunch of them related to investing and retirement.
If you'd like to know more reach out to Don & Ashley at 800-514-4575
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Financial analysts and economists rarely agree on anything. However most agree that this could be the year that things could get a bit rocky. If you’re retired or nearing retirement it could be particularly dangerous. Let’s break down three potential threats to your retirement nest egg in 2022.
if you have any questions about what we’re talking about or how it may apply to your own situation...simply call Don & Ashley at 800-514-4575
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Many so called experts said the conditions were ripe for a bear market in 2021. In reality the S&P did the opposite rising more than 25% in the last 12 months. No matter what happens we need to be prepared. Here are some ways to help protect your plan
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If you're planning on retiring in 2022, we've got some suggestions to help get you there.
If you'd like to know more reach out to Don & Ashley at The Wealth Lab at (800) 514-4575 and visit https://dnawealthpartners.com/
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The New Year and resolutions go hand in hand. On today's show we'll outline some ways to give your retirement a financial work out. In addition, Don and Ashley will break some some expenses that can really make a dent in your savings.
If you'd like to know more reach out to Don & Ashley at The Wealth Lab at 800.514.4575
https://dnawealthpartners.com/
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In this episode, Don and Ashley walk us through how to ensure you meet your yearly retirement goals. They also cover several things you can do to strategically boost your retirement savings. And as always, they take on our listener's questions.
To contact Don Spini and Ashley Patterson at DNA Wealth Partners, just call (800) 514-4575.
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It might be more important than ever to get your retirement savings priorities straight because of the confluence of many national and global events that could happen in 2022. On this episode, Don and Ashley walk through why you want to ensure you meet your yearly retirement goals.
Contact Don and Ashley at DNA Wealth Partners by calling (800) 514-4575
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Saving for retirement is a big job and now that we are living longer, in some cases a lot longer, it means we have to save even more. How can we manage our savings and stretch our dollars to make sure we don’t run out of money? Don and Ashley discuss this as well as ways to properly understand your 401K and mistakes we should learn from.
Contact Don and Ashley at DNA Wealth Partners by calling (800) 514-4575
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What if you start a little late saving for retirement? Don and Ashley remind 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. They also discuss some important returns on investment for all of your retirement saving including time and your health. Then they move into strategies to weather the storm of a jittery market.
Reach DNA Wealth Partners by calling (800) 514-4575.
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