Winning Retirement Radio: Recent Episodes
Greg and Kristin Taylor
Years ago, Greg and Kristin Taylor set out to provide pre- and current retirees with retirement solutions that meet their income needs, protect their assets, and preserve their estates for generations to come. Along with their team at Legacy Retirement Group, Greg and Kristin developed a process that’s designed to uncover potential problems or “cracks” in retirement planning, and to provide solutions to fix them.
What does it really mean to leave a legacy? In this episode of Winning Retirement, Greg and Kristin share the treasured keepsakes and family memories that mean more than money—and discuss why planning what happens to your belongings can be an important part of retirement and estate planning. From organizing important documents and identifying valuable assets to giving meaningful possessions to loved ones while you're still here, they explore practical ways to make things easier for your family. Most importantly, they explain why your true legacy isn't simply the wealth or possessions you leave behind—it's the memories, values, lessons, and love you leave inside the people who matter most.
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Retirement planning has evolved just as dramatically as the shift from manual transmissions to today's high-tech vehicles. In this episode of Winning Retirement, Greg and Kristen Taylor explore which retirement principles have stood the test of time—and which strategies no longer work in today's financial world.
They discuss why guaranteed pensions have become rare, how longer life expectancies have changed retirement planning, and why creating reliable retirement income is more important than ever. You'll also learn why taxes, healthcare planning, investments, and legacy planning must work together to create lasting financial confidence. If you're wondering how to replace a pension, avoid running out of money, or build a retirement plan that fits today's realities, this episode offers practical guidance to help you retire with greater peace of mind.
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Do you really need $1 million—or more—to retire comfortably? In this episode of Winning Retirement, Greg and Kristen break down a recent Investopedia study estimating that the average American couple needs $1.16 million for retirement and explain why there's no universal retirement number.
They discuss the limitations of the 4% withdrawal rule, why market timing can make or break a retirement plan, and how unexpected expenses like healthcare, home repairs, and vehicle replacements can quickly change your financial picture. You'll also learn why focusing on your retirement income gap—instead of an arbitrary savings goal—can provide greater confidence and long-term financial security.
Whether you're approaching retirement or already retired, this episode explains how personalized income planning, liquidity for life's surprises, and strategies for long-term growth can help create a more resilient retirement plan.
Topics covered:
- Do you really need $1 million to retire?
- Why the 4% withdrawal rule isn't one-size-fits-all
- How market volatility affects retirement income
- Planning for unexpected retirement expenses
- The importance of guaranteed income and liquidity
- Why retirement planning should be based on your lifestyle—not national averages
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What will your family remember—and inherit—when you're gone? In this heartfelt episode of Winning Retirement, Greg and Kristen Taylor explore the difference between leaving behind possessions, wealth, and a lasting legacy. Inspired by estate sales and treasured family heirlooms, they discuss why the most valuable inheritance is often character, faith, and family values.
They also explain practical estate planning strategies, including wills vs. trusts, beneficiary designations, financial and healthcare powers of attorney, and how Roth conversions can potentially create a larger tax-free inheritance for your children. If your goal is to leave your loved ones—not the IRS—the biggest benefit, this episode offers valuable retirement and estate planning insights.
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How much money do you need to retire comfortably in the United States? Is $1 million enough? And how much savings does it take to generate $100,000 a year in retirement income? In this episode of Winning Retirement, Greg and Kristen answer common retirement-planning questions and explain why there is no one-size-fits-all retirement number. They discuss the 4% withdrawal rule, Social Security, guaranteed income, income annuities, market volatility, taxes, and strategies for creating reliable, tax-efficient retirement income. Whether you're planning for retirement or already retired, you'll learn how to determine the retirement savings you need based on your income goals—not just your nest egg.
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Greg and Kristin share stories from their own relationship before diving into the unique financial challenges of dating and remarriage later in life. From blending finances and protecting assets to estate planning, prenups, family dynamics, and retirement strategies, they explain why honest money conversations are essential before saying "I do" again.
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More Americans are finding themselves caring for aging parents while preparing for their own retirement. In this episode, Greg and Kristen discuss the emotional and financial realities of caregiving, share personal and client stories, and offer practical strategies to help families protect both their loved ones and their retirement. From budgeting and legal planning to long-term care and having difficult family conversations, they explain why planning ahead can make all the difference.
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A new report warns that Social Security's trust fund could run short of reserves by 2032, potentially leading to benefit reductions if lawmakers fail to act. In this episode of Winning Retirement, Greg and Kristen break down what that could mean for retirees and whether claiming benefits early is the right move.
They explore possible solutions Congress may consider—including higher payroll taxes, raising the retirement age, and adjusting cost-of-living increases—and discuss why Social Security should be viewed as a foundation of retirement income, not the entire plan. You'll also hear why maximizing Social Security isn't always the same as maximizing your retirement, and why having a comprehensive income strategy may be more important than ever.
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Greg and Kristen discuss why nearly 6 in 10 retirees leave the workforce earlier than expected. From layoffs and workplace burnout to health challenges and family caregiving responsibilities, they explore the real-life reasons retirement plans often change. You'll learn why building flexibility into your retirement strategy is critical, how to prepare for life's unexpected "what ifs," and ways to create a reliable income while preserving assets for future opportunities and challenges.
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Greg and Kristen discuss summer travel, family vacations, and the rising cost of living. Then, using the latest Social Security COLA projections as a starting point, they explore why inflation remains one of the biggest threats to a successful retirement. You'll learn how inflation compounds over time, why budgeting is critical regardless of your net worth, and how a written retirement income plan can help ensure your money keeps pace with rising expenses throughout retirement.
👉 Ready to take the guesswork out of retirement? Get your FREE copy of Legacy’s My Retirement Kit today—your step-by-step guide to getting organized and staying on track!
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In this episode of Winning Retirement, Greg and Kristen discuss the question many retirees are asking: “Have we done enough?” They explain why retirement planning is about more than building wealth—it’s about creating reliable income, managing taxes, and maintaining your lifestyle.
You’ll also hear insights on diversification, Roth conversion strategies, and why the real goal of retirement planning is having the confidence to enjoy life without worrying about running out of money.
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In this heartfelt episode of Winning Retirement, Greg and Kristen discuss how quickly retirement plans can change when unexpected health challenges arise. Inspired by the ALS diagnoses of close friends and clients, they explore the emotional and financial impact serious illness can have on retirees and their families. Greg shares the story of a client whose retirement changed dramatically just months after leaving work, and why having a flexible plan in place helped provide peace of mind during a difficult time. They also break down the three major retirement risks—market volatility, taxes, and healthcare costs—and explain why true retirement planning goes far beyond investments alone. You’ll also hear why flexibility matters, the importance of family conversations, and how a comprehensive plan can help protect both your finances and your loved ones when life takes an unexpected turn.
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Greg and Kristin explore an important retirement question: Is the goal to become wealthy—or simply make sure you never run out of money? Greg shares a personal story about losing everything in a childhood house fire and how it shaped his views on financial security. They also break down the difference between harmful debt and strategic debt in retirement, including when it may make sense to keep a mortgage rather than pay it off. They discuss cash flow, taxes, home equity lines of credit, and why retirement planning should fit your comfort level—not someone else’s definition of success.
📄 Snag your FREE copy of Legacy's My Retirement Kit to help you get organized today!
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In this episode of Winning Retirement, Greg and Kristen start with some fun family stories before tackling a challenge many families face today. With rising housing costs and more young adults living at home, parents are helping more than ever—but how much is too much? They break down the difference between support and dependency, share real client scenarios, and explain why your retirement comes first. If you’re wondering how to help your kids without putting your own future at risk, this episode is for you.
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This week, it’s all about this powerful statistic: nearly 70% of family wealth is lost by the second generation, and 90% by the third. So why does that happen? Greg and Kristin break down the biggest reasons families lose wealth over time, including a lack of communication, a lack of financial education, and failing to pass down values along with money. You’ll also hear real-life stories about clients—both the successes and the struggles of wealth transfer—and learn how open conversations, proper planning, and intentional legacy-building can make all the difference. Because in the end, your legacy isn’t just about the money you leave behind—it’s about the impact you make while you’re here.
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Does chewing gum really boost your memory? Maybe—but remembering the healthcare costs that Medicare doesn’t cover might be even more important! While Medicare does a solid job covering doctor visits and hospital stays, there are still significant gaps—especially when it comes to dental work, vision care, prescription drugs, and long-term care.
Greg and Kristen explain why these costs can catch retirees off guard and share strategies that can help people prepare ahead of time, including HSAs, planning for Medicare savings in your budget, and exploring options for long-term care protection. If you’re approaching retirement or already there, understanding Medicare’s coverage gaps could help you protect both your health and your financial future.
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Some financial firms promote themselves as a “one-stop shop,” offering attorneys, accountants, and advisors all under one roof. So why doesn’t the team at Legacy Retirement Group do the same?
In this episode, Greg and Kristen explain the philosophy behind their approach. Rather than trying to do everything internally, Legacy focuses on what it does best—retirement investment planning, income planning, and tax strategy—while collaborating with independent specialists when clients need legal, tax, or estate expertise. In retirement planning, coordination and collaboration often beat trying to do everything in one place.
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“Wait until 70. You’ll get 8% more per year.” Sounds simple, right? Not so fast.
In this episode, Greg and Kristin tackle one of the most common retirement questions: Should you delay Social Security to maximize your benefit?
Learn why there’s no one-size-fits-all answer. While waiting can increase your monthly benefit and potentially protect a surviving spouse, it can also mean draining retirement assets too quickly if you don’t have enough saved. Social Security isn’t the retirement plan. It’s one piece of the income puzzle. The real key? Building a written retirement income plan that’s stress-tested against market volatility, inflation, and tax changes. Because in retirement, cash flow is king!
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Greg and Kristin dive into the emotional and practical side of money in marriage by sharing personal stories, real client experiences, and the hard truth about what happens when financial transparency breaks down. From hidden credit card debt to mismatched risk tolerance, they explain why communication is critical—especially as retirement approaches. Because once you stop earning paychecks and start creating your own income, financial secrets don’t just hurt feelings… they can derail the plan.
📆 Make sure your retirement is on track—grab your FREE consultation today.
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From dial-up internet and AOL chat rooms to Alexa, smart faucets, and artificial intelligence, technology has come a long way since the 90s. But when it comes to retirement planning, how far should we really take it? Yes, AI can track your spending, calculate projections, and even answer retirement questions. But can it walk with you through a market drop—or a medical emergency? Find out where technology helps… and where human guidance still matters most.
✅ Your retirement deserves a plan—grab your FREE complimentary consultation.
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In this episode, the team at Legacy Retirement Group uses everyday household efficiency challenges as a powerful analogy for retirement readiness. Greg and Kristen explain how many people think they’re being efficient—whether it’s with energy usage or their investment portfolio—but hidden leaks often go unnoticed until conditions change. Hear how market volatility can expose inefficiencies in a portfolio, and why diversification isn’t just owning multiple funds. If you want to stop wasting heat, money, and peace of mind, this episode helps you find—and fix—the leaks.
🔍 Gain clarity and confidence—book your no-cost retirement review today!
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In this episode, Greg and Kristin explore whether proximity really matters when choosing a financial advisor—or if something else matters more. Greg and Kristen share a powerful story about a local woman who loved her longtime advisor but sought a second opinion after moving closer to Columbus. The conversation highlights why focus, experience, coordination, and comfort matter far more than zip code. You’ll hear what to look for in a retirement-focused advisor, why “perfect” doesn’t always mean complete, and how the right questions—and the right fit—can change everything.
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Retirement planning isn’t just about money—it’s about family dynamics, communication, and expectations. In this episode, Greg and Kristin tackle a question many parents wrestle with: Should we share details of our retirement plans with our children? They explore how family roles around money have shifted over the years and why financial conversations no longer need to be taboo. They discuss the benefits of transparency—reducing anxiety, preventing surprises, and helping heirs develop financial literacy—while also addressing the very real reasons some families choose caution.
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Before you hire an estate or elder law attorney, make sure you’re asking the right questions. Greg shares the red flags, the must-asks, and how to know if an attorney is protecting you—or just selling paperwork. Walk through the key questions every family should ask before hiring an attorney, including what’s really protected, how incapacity and long-term care are handled, how often plans should be updated, how advisors work together, and—yes—what it actually costs!
👉 Ready to take the guesswork out of retirement? Get your FREE copy of Legacy’s My Retirement Kit today—your step-by-step guide to getting organized and staying on track!
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How do you really know when it’s time to retire? While finances are a critical piece of the puzzle, Greg explains why they’re only part of the story. After more than 30 years helping families prepare for retirement, he’s seen firsthand that a successful retirement depends on much more than math.
Greg breaks down the four pillars of retirement readiness—financial, emotional, social, and spiritual—and why ignoring any one of them can derail even the best-laid plans. With real client stories, humor, and straight talk, this conversation is a reminder that retirement isn’t about surviving—it’s about thriving. And the goal isn’t just to stop working…it’s to step confidently into the next chapter of who you are.
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Time Magazine named the “Architects of AI” its 2025 Person of the Year—and that sparks a wide-ranging conversation about how fast technology has changed everything from writing papers to planning our futures. Greg and Kristen reflect on tech evolution (from typewriters and flip phones to ChatGPT), the pros and cons of AI, and why change—while uncomfortable—is unavoidable.
From there, the discussion shifts to a much bigger life transition: retirement. Should couples retire at the same time, or separately? Greg breaks down the three pillars of true retirement readiness—financial, emotional, and social—and explains why being “ready” goes far beyond the numbers. They explore identity after work, the loss (and replacement) of daily purpose, and how finding something bigger than yourself can lead to a truly fulfilling retirement. This episode is a reminder that just like technology, retirement works best when you evolve with intention.
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What In-N-Out Burger, retirement goals, and purpose after work all have in common.
The conversation starts with a hot topic—In‑N‑Out Burger finally making its way east of the Mississippi—and quickly turns into something much deeper: What does it actually mean to be ready for retirement?
A simple conversation with a nurse sparks a powerful realization—many people don’t know whether their retirement goal should be an age, a dollar amount, or something else entirely. Greg breaks retirement readiness into four critical areas: being financially ready, emotionally ready, socially connected, and having a real sense of purpose once the paychecks stop.
The episode explores why retirement planning isn’t just about assets and accounts—it’s about dependable income, confidence through life’s “what-ifs,” and knowing who you are when your job title disappears. From early retirees living the lake-house dream to stories that highlight the importance of belonging and purpose, this episode challenges listeners to think beyond money and start planning for a retirement that’s actually fulfilling.
📄 Snag your FREE copy of Legacy's My Retirement Kit to help you get organized today! https://www.legacyretirementgroup.com/podcast-request
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A $3M widow, a $50K income gap, and a plan that finally made sense—this is what real retirement clarity sounds like.
Kevin McCallister’s Plaza Hotel spree is a fun throwback—until you compare what it would cost today and realize how fast prices (and big life goals) have changed. From NYC “experience” trips to an Investopedia breakdown suggesting millions are needed to fund the modern American dream, the conversation turns to the real issue: most people nearing retirement don’t actually know what they can afford to risk.
Greg and Kristen unpack why “water cooler” investing advice—especially among high earners—can be misleading when nobody knows each other’s full financial picture, timeline, or true retirement needs. Then they share a powerful client story: a widowed woman with roughly $3 million saved who needed $50,000 a year on top of Social Security and a pension—and finally got a plan aligned with her comfort level (including protected income, protected growth, and long-term growth). The result? Confidence—and tears of relief.
🔎 Feeling confident—or just want to be sure—you’re on the right path to your version of a Winning Retirement? Complete a short form and schedule your FREE complimentary consultation.
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Tech tools are everywhere — but when it comes to retirement, can an algorithm really replace a trusted advisor?
Managing money looks nothing like it did for our parents, especially with pennies slowly going away. With digital wallets, chip cards, and AI-powered investing tools, it’s easy to wonder: Is technology phasing out the traditional retirement advisor? Greg and Kristen explain why the answer is a firm no—especially for retirees.
They break down the difference between investment guidance from a robo-advisor and true holistic retirement planning, which includes income planning, inflation strategy, tax efficiency, healthcare, and legacy planning.
This episode highlights the emotional, human side of retirement planning—the back-and-forth conversations, the guidance through life changes, and the peace that comes from working with someone who genuinely cares. Technology is a great tool… but it can’t replace a relationship.
💭 Unsure if you’re on track for retirement? Fill out this short form for a free consultation.
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The “Great Wealth Transfer” may not look the way we expected — and the stories might surprise you.
After embracing the holiday season, we discuss how the “Great Wealth Transfer” is happening — but not exactly how the headlines predicted. Greg and Kristen unpack a new Charles Schwab study showing that many high-net-worth Baby Boomers are choosing to enjoy their money now rather than pass it all down. They explain why the real key isn’t whether you leave money behind — it’s knowing what you actually spend, planning for the lifestyle you want, and creating enough protected income to support the life you choose. Whether you want to give, save, or spend it all, a solid income plan brings the confidence to enjoy retirement on your terms.
📂 Need a little help getting organized? Download a FREE copy of Legacy’s My Retirement Kit: https://www.legacyretirementgroup.com/podcast-request
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When it comes to managing your money, should you trust family — or is a fresh set of eyes the smarter move?
From parents who jokingly say they’ll “move in” if their advisor-son loses the money, to widows who struggle to trust anyone new, the Taylors explore the emotional, practical, and financial challenges of working with someone who shares your last name. They discuss why trust can’t be assumed — it must be earned — and why experience, objectivity, and the ability to have tough conversations matter more than familiarity. Whether you’re considering hiring a family member or wondering if it's time to step outside your comfort zone, this episode will help you think more clearly about trust, transparency, and choosing the right guide for your retirement journey.
💬 Ready for your own “financial check-up”? Schedule a call with us to get started. https://www.legacyretirementgroup.com/schedule-an-appointment
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If market dips shake you up, your portfolio may be built for someone else—not you.
The markets may be hovering near all-time highs, but that doesn’t mean investors feel calm. In this episode, Greg and Kristen tackle one of the biggest issues in retirement investing: emotional risk.
They discuss why market swings feel so personal, how over-concentration can create unnecessary stress, and why the real question isn’t “Am I aggressive or conservative?”—it’s “How much am I truly comfortable losing?” If market volatility keeps you up at night, this episode can help you understand the root cause and build an investment strategy that lets you finally sleep well.
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What would you do if your job were suddenly outsourced in your 60s? Greg and Kristen talk about how to prepare—financially and emotionally—for a retirement that may come sooner than expected.
A woman in her early 60s called the team worried that her position might be outsourced—a fear that’s becoming more common as companies evolve and technology reshapes the workplace. Greg and Kristen explore what to do if you’re facing a possible forced retirement: from taking an honest look at your spending and savings (401(k), IRA, pension, etc), to building a flexible income plan that can adapt when life changes. They also share stories from families who’ve discovered the freedom that comes from simply knowing they’re ready—plus, the importance of working with an advisor who builds a plan around you, not a product.
✅ Your retirement deserves a plan—grab your complimentary consultation.
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An ad claims you can skip Roth conversions and avoid taxes. We reveal what’s real—and what’s just marketing.
When a Facebook ad promises you can “eliminate taxes on your retirement accounts—no Roth conversion required,” it’s hard not to click. But is it too good to be true?
Greg and Kristen dive into the buzz around “tax-free retirement” webinars and explain why eliminating taxes completely isn’t realistic—but reducing them absolutely is. Greg shows how different strategies—like timing Roth conversions, managing required minimum distributions, and planning around Medicare and income brackets—can save hundreds of thousands in taxes over a lifetime.
They also unpack why some advisors discourage Roth conversions (and when that advice might actually be right), plus one simple truth every retiree should remember: there’s no one-size-fits-all plan.
🔍 Gain clarity and confidence—book your no-cost retirement review today!
🔑 Keywords: retirement planning, Roth conversion, retirement taxes, IRA, 401(k), 403(b), tax strategies, required minimum distributions, financial planning, retirement income, Legacy Retirement Group, Winning Retirement Radio
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Revisiting the “rules” we grew up with—and the financial ones that could be hurting your retirement.
We all remember the rules our parents swore by—don’t sit too close to the TV, wear your coat, turn off that car light! Greg and Kristen share a few laughs about those old sayings, then connect them to the outdated financial “rules” many retirees still follow.
They break down why classics like the 4% rule, the Rule of 100, and “never touch your principal” may no longer make sense—and explain the new mindset smart retirees are using today. Plus, they highlight the real retirement ages that matter: the Rule of 55, 59½, 65, and 73.
If you want to retire confidently, it’s time to know which rules to keep, which to toss, and the one rule Greg lives by: protect your income, grow the rest!
🕒 Don’t leave retirement to chance—claim your FREE consultation now.
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Honesty isn’t just good for your health—it’s vital for your wealth.
A new study finds that up to 80% of adults admit to lying to their doctors about their lifestyle habits—usually to avoid judgment or bad news. Greg and Kristen open up about how this same fear can show up in retirement planning, too. From family stories about Kristen’s late father-in-law (and his famous iron-skillet cake) to the emotional side of discussing spending habits and savings goals, they reveal why honesty—especially when it’s uncomfortable—is the key to a healthier life and a stronger financial future. Greg also shares how a “functional medicine” approach to health inspired the way he helps families uncover the root causes of financial stress.
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Learn how to keep more of your money in retirement with smart income and tax strategies!
Most people picture Social Security or a 401(k) when they think about retirement income — but that’s just the beginning. In this episode of Winning Retirement, Greg and Kristen explain how to coordinate multiple income streams, from pensions and IRAs to RMDs, dividends, and rental income, while keeping taxes as low as possible. Learn how to identify your real retirement income need, create a comfortable spending plan, and discover why a 10–20% cushion can make all the difference.
✅ Need a little help getting organized? Download a FREE copy of Legacy’s My Retirement Kit: https://www.legacyretirementgroup.com/podcast-request
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From the $550 calculator watches of the 1970s to today’s free online tools, we’ve always relied on numbers to help us make decisions. But when it comes to retirement, not every “calculator” gives you the full picture. In this episode, Greg and Kristen share why online tools—and even AI—can be misleading, how one client discovered that firsthand, and why professional guidance matters when the stakes are high. Plus, they compare finding the “right” retirement age to playing a tricky hole on the golf course: everyone starts from a similar place, but the path you take can look very different depending on the clubs in your bag.
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When kids leave home, they don’t just move away—they tug on their parents’ hearts, too. Greg and Kristen share the laughs (and frustrations) of watching their son head to college—828 miles away—with a questionable dorm-room haircut to prove his independence. From daily check-ins (or lack thereof) to mom’s Life360 “stalking,” this episode blends family stories with financial wisdom. The Taylors also dive into the dangers of lump-sum payouts, why some pensions and sweepstakes winners run out of money, and how careful planning can help protect both your nest egg and your peace of mind.
📆 Make sure your retirement is on track—grab your FREE consultation today.
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Getting married later in life? Things can get… awkward. From “lady friends” to prenups, Greg and Kristen unpack the not-so-romantic side of love after 50—like protecting your retirement, keeping kids’ inheritances fair, and why Medicaid doesn’t care about your prenup. It’s funny, a little uncomfortable, but super important.
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It turns out that fewer young adults are reaching traditional milestones, such as moving out, getting married, and starting families. After Greg and Kristen share how that contrasts with their own family’s journey, the conversation turns to retirees and how they are prime targets for marketing — and how to filter through the noise. They share practical advice for spotting red flags, verifying sources, and making sure financial products and lifestyle purchases align with your overall plan. Whether you’re considering a senior living community, a travel package, or even gold and Bitcoin ads, this episode helps you focus on what you really need and avoid blowing your budget on shiny objects.
✍️ Ready to design your ideal retirement? Schedule a FREE consultation by completing this brief form.
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Greg and Kristen share their own family screen-time confessions along with America's, and how neighbors are turning movie nights into community fun! Then, they shift gears to retirement: When does a Roth conversion really make sense, and how can it protect your lifestyle and legacy? From screen habits to financial habits, this episode is all about finding balance in the digital age—and in your retirement planning.
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When do most Americans really fall asleep—and is sharing a bed helping or hurting? Kristen admits she struggles to drift off while Greg can be snoring in seconds (though he’ll never admit it). Later, Greg and Kristen delve into the “free steak dinner” seminars, exploring why they attract retirees and how to distinguish between genuine education and high-pressure sales pitches.
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Greg and Kristin dive into the surprising news that you can now use Venmo and PayPal to “donate” toward the U.S. national debt. The conversation quickly shifts to a larger point: the government is always seeking new ways to generate revenue, and retirees with well-built nest eggs could become targets. From required minimum distributions to potential tax changes down the road, they explain why having a smart tax plan matters more than ever.
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Kristin and Greg dive into a new survey ranking America’s top bottled water brands—complete with strong opinions, unexpected picks, and even a little “bougie” vs. budget debate. Then the conversation shifts to serious retirement talk, with Greg outlining the key questions to ask when interviewing financial advisors, how different fee structures work, and why a truly customized retirement plan matters more than a cookie-cutter approach. It’s part lighthearted taste test, part essential financial checklist!
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This week, we discuss the new iPhone emojis and the surprising truth behind the “prayer” hands—before shifting gears into a real conversation about balance. We explore why many workers leave paid time off unused, how our team balances productivity and personal life, and the parallels between work-life balance and smart retirement planning. Whether it’s juggling risk and safety in your portfolio or making sure you actually take that vacation, it’s all about finding the mix that works for you!
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In this episode, we delve into the humorous miscommunications that arise with age and simply being human. We also discuss another equally important aspect: financial liquidity in retirement. From surprise plumbing disasters to flying curtain weights (yes, really), life happens — and having the right emergency fund in place can be the difference between stress and freedom. We’ll explore how much liquidity might be right for you, why it’s not one-size-fits-all, and how it ties into your retirement goals — whether you want to travel, give generously, or simply stay comfy at home.
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Even the happiest couples argue — and sometimes it’s on air! 👩❤️👨 Kristen and Greg get real about relationships, tone of voice, and why mutual respect matters at home and with Uncle Sam! Speaking of strained relationships, if you’re turning 73 this year, your mandatory date with the IRS is about to begin. We break down everything you need to know about Required Minimum Distributions (RMDs): when to take them, how they’re calculated, the difference between IRAs and 401(k)s, and how smart planning can save you thousands in taxes over your lifetime. Remember, the IRS doesn’t care about your attitude… but your spouse definitely does!
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In this episode, we share a heartfelt story about a travel-loving mom who never lost her sense of adventure, even at the age of 90. Then we dig into the surprising history of taxes—from the ancient Egyptian Pharaoh’s grain grabs to the modern-day IRS—and how those same tax burdens can sneak up on your retirement. Learn how to spot the warning signs, avoid common tax pitfalls, and why using tools like TestMyRetirement.com can help you keep more of what you’ve worked so hard to save.
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In this episode, we go from laundry piles to financial files! We discuss whether we really have to wash new clothes before wearing them (spoiler: yes), and the importance of kids having household responsibilities.
Then, the conversation shifts to another kind of clutter: unused subscriptions and hidden financial costs. Greg compares this to tax-deferred retirement accounts like 401(k)s—convenient now but potentially costly later. They break down the difference between delaying and saving on taxes, as well as the pros and cons of Roth conversions.
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Greg and Kristin kick things off with a fun fact about sea otters that might just resemble Greg’s love language in real life. From playful jabs to deeper relationship dynamics, the conversation takes a meaningful turn, exploring the importance of planning and staying connected in retirement as well. They break down a real-life scenario: if you're 65 and have $300,000 set aside to put into a fixed indexed annuity, how much could it pay and for how long? The duo explains the three main income strategies for annuities—withdrawals, annuitization (aka "annui-cide"), and income riders—plus the pros, cons, and hidden details to watch out for. It’s everything you need to know about annuities with a dose of laughs, love, and financial wisdom.
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This week, we discuss small spending habits—such as eating out, using DoorDash, and daily coffee—that most Americans admit are wasteful but struggle to quit. Then we pivot to a bigger financial picture: retirement readiness! We share the story of a couple with over $500,000 saved who asked the key question: “Have we done enough?” Their journey reveals how thoughtful planning, balancing risk, and maximizing income sources can make retirement possible, even without a million-dollar nest egg.
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Denmark is making headlines with plans to raise its retirement age to 70 by 2040, reflecting a growing global trend of adjusting retirement based on life expectancy. This sparks a bigger conversation—what is the right age to retire, and are you really ready? 🧐 Greg and Kristin explore the three key areas of retirement readiness: financial, social, and emotional. Through real-life stories, they show how retirement planning isn’t just about numbers—it’s about creating the freedom to choose when and how you retire, and finding fulfillment in life’s next chapter.
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In this episode, we reflect on our grandparents’ simple, family-focused lives and contrast them with the retirement worries of today, including taxes, investments, and planning. Greg and Kristin share touching family stories and emphasize the importance of planning carefully for today's retirees, particularly regarding taxable withdrawals from 401(k)s, IRAs, and the growing government debt.
The website mentioned for a FREE personalized tax map report is TestMyRetirement.com.
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Greg and Kristin reflect on the emotional journey of their son Christian’s high school graduation, and how these family milestones often parallel the retirement planning they do with clients. Listen for insight about the importance of organizing, embracing change, and finding new purpose in both family and financial life transitions.
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We touch on Tom Cruise’s latest Mission: Impossible, and his intent to never retire, then shift to Warren Buffett’s advice to invest in a low-cost S&P 500 index fund. While that might work for younger investors, Greg and Kristin warn retirees to be cautious. Market drops can seriously impact income in retirement! Their takeaway: don’t follow headlines blindly. Build a plan with your portfolio that balances income, growth, and safety, especially as you near retirement.
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Greg and Kristin dive into a pressing issue affecting more families than ever before: the increasing need for long-term care in America. You’ll hear a personal caregiving experience, a journey that has become common among friends, neighbors, and loved ones. But here’s the catch: traditional long-term care insurance is disappearing, and the few policies still available are often too expensive, and if you don’t use them, you lose the money you paid in. Listen to learn about other strategies available.
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Greg and Kristen discuss tipping trends and why some people tip less with digital prompts. They also break down Required Minimum Distributions (RMDs): when to take them, how they’re taxed, and strategies to avoid costly mistakes.
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After discussing the differences between being frugal and being cheap, Greg and Kristin highlight why many retirees find it challenging to begin spending their money. In addition to having an investment and income plan, creating a spending plan is essential. Retirement represents a significant life change that many people fail to recognize, and transitioning from saving to spending from your portfolio is a crucial part of this shift. We also examine what retirement may look like for those who own a business and wish to pass it on to their children.
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We recap Uber's weird lost and found items and share a tale of a misfortune-stricken philanthropist.
Then explore the rewards of generosity. Kristin will also provide us with an update on the latest developments at Dare For More, one of her beloved charities.
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After discovering that Greg and Kristin work and exercise together, we shift our focus to family matters. We examine the various reasons why retirees sometimes provide financial assistance to their adult children. Listen for stories that shed light on both sides of this important issue.
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Google searches for "how to reduce stress" have reached a record high. With the markets responding to tariff news, many individuals with retirement funds on Wall Street are feeling uneasy. Greg and Kristin discuss the importance of having a plan that considers challenging times so that your income isn’t dependent on the uncertainties of the market!
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This week, we're discussing everyday things that make us feel unsettled or uncomfortable. One topic that stands out is Math Anxiety. This issue can create significant challenges during retirement. If memories of Geometry and Algebra are causing you to avoid your financial and retirement planning, remember that you don’t have to tackle it all by yourself! Greg and Kristin talk about “doing the math” to NOT run out of money in retirement.
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The world has changed dramatically in just the past 10 years! This is especially true for Greg and Kristin as the school season comes to a close. In this episode, we reflect on various aspects of life, from movies and music to customer service and everything in between. We discuss how we approach different parts of our lives much differently than we did just a few years ago. Planning for retirement has evolved as well. Whether you have a 401(k), pension, stocks, bonds, ETFs, mutual funds, or an annuity, we hope you find this episode insightful.
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Did you know pure gold (23-24 karat) is safe to consume in small quantities? You might have seen advertisements about investing in precious metals. That's why we're exploring gold as an asset class for individuals who are in or approaching retirement as part of a diversified portfolio. This is especially relevant now, with market volatility! Also, listen to learn how much of a creature of habit Greg is!
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Are you feeling overwhelmed when it comes to making money decisions? You’re not alone. A recent survey shows that 53% of Americans feel stuck, overwhelmed, or unsure about their finances. Greg and Kristin discuss the importance of avoiding "paralysis by analysis" and how collaborating with a fiduciary financial advisor can alleviate some of those feelings. Additionally, they emphasize the need to avoid being “Google slapped,” as Greg puts it.
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Are you feeling overwhelmed when it comes to making money decisions? You’re not alone. A recent survey shows that 53% of Americans feel stuck, overwhelmed, or unsure about their finances. Greg and Kristin discuss the importance of avoiding "paralysis by analysis" and how collaborating with a fiduciary financial advisor can alleviate some of those feelings. Additionally, they emphasize the need to avoid being “Google slapped,” as Greg puts it.
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Americans do a lot of giving, and often, that giving mindset doesn’t change when you stop working. In retirement, there are efficient ways to give that some take advantage of. In fact, Kristin shares how one woman made her qualified charitable distribution (QCD) goals from her retirement accounts come to life despite some paperwork obstacles.
Need a little help getting organized? Download a FREE copy of Legacy’s My Retirement Kit to help you get organized.
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Retirement can be a challenging transition. This week, we discuss how to tailor your retirement plans to your unique situation, considering your budget, portfolio, income, and more. We'll also explore the "normal" expectations of retirement and share stories of people enjoying their unique retirement lifestyles.
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In this episode, Greg and Kristin dive into the world of annuities, breaking down the key differences, including their advantages and disadvantages, to help you navigate retirement income concerns. 📸 Plus, the interesting story behind the first-ever selfie and when it was taken!
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This week's episode covers encouraging economic news regarding Americans and debt, the significance of maintaining an emergency fund as you approach or enter retirement, and advice for those worried about market volatility and risk exposure.
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From investing to spending, budgeting, and even charitable giving, maintaining open communication about finances is crucial for couples. 👩❤️👨 Greg and Kristin share how they avoid money miscommunications, and how they encourage the families they help to do the same.
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We discuss tax season and what you need to know if you're approaching age 73 and preparing to take Required Minimum Distributions (RMDs). We'll cover important topics such as how much you need to withdraw, penalties and fees to avoid, and the benefits of Qualified Charitable Distributions (QCDs). By the end of this episode, you should have a clearer understanding of your future tax obligations in retirement.
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Does your advisor address how you’ll use your money in retirement? Have they helped you create a plan to be tax-efficient with your portfolio when you stop working? Hear insight into those questions, plus Greg’s “why” on this week’s episode.
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Did you know you could become a marketing target if the probate process enters your world? Greg and Kristin aren’t attorneys, but legacy and estate planning conversations are consistent with retirement planning. Listen as they share why being “sold” any product isn’t a good idea.
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We all take different paths in life. For example, women are more likely than men to pause their careers to care for their families. As a result, they typically work fewer years and contribute less to retirement accounts, leading to lower savings in their investment portfolios. Greg and Kristin discuss these challenges and how to tackle them with effective retirement planning.
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A recent survey showed Americans would rather do homework than do their taxes, and some would rather take the SATs! Tax season is important, but Greg and Kristin explain why retirement tax strategies are essential for future portfolio planning.
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This week Greg shares his approach to tackling holiday credit card debt along with tips on how to pay off debt in general... and stay motivated. Plus, an answer to a common retirement question: Should your mortgage be paid off before you stop working?
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Greg and Kristin discuss how to financially and emotionally prepare for retirement in 2025 if that’s your goal. They also cover what to expect from your financial advisor when planning what to do with your portfolio.
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We embrace this wonderful time of year, talk gift-giving within our means, and RMD spending.
🎄 Merry Christmas from Greg, Kristin, and the entire team!
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According to the Census Bureau, being middle-class in America means making about $80k a year. Instead of wondering how you measure up, Greg and Kristin explain how they continue to many in the middle class to retire confidently, based on the savings they’ve socked away. Listen to learn more about the retirement transition, and how the middle class can pull off a comfortable retirement with the right planning.
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Hear about how one couple has a goal of going from workaholics to traveling in retirement. Greg and Kristin explain how planning a trip is similar in many ways to planning for income in retirement. Yes, your portfolio, 401(k) and pension matter… But listen to hear why lifestyle is what often guides financial planning.
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In this episode, we dive into the latest Bitcoin rally that's capturing the attention of both seasoned investors and newcomers alike. Many are enjoying the all-time highs! Join us for a lively discussion on all things Bitcoin and the next chapter of crypto, along with how those over 60 should view this asset.
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Holiday meals are known for good food and family, and they can be a little awkward too.
However, inflation has greatly impacted soon-to-be and current retirees beyond the Thanksgiving and Christmas table. Greg and Kristin explain how your income is your lifestyle when you stop working. So, is the 4% Rule a good way to budget when drawing down from your retirement accounts? And are you using the right tools for where you are in life? Listen as Greg and Kristin share planning ideas to consider.
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✈️ After some good travel news, Greg and Kristin discuss the plight of someone being pushed out of their job months before they were ready to retire.
If that happened to you, could you still retire on your terms? Will you have enough money? What should you do if you feel you may be slowly being nudged to the side at work right now?
Join our discussion of the cycle of ageism, and how to best work with what you have in your retirement accounts.
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In celebration of political arguing being down to a simmer, we address another controversial American topic... FOOD! 🥪 Then Greg & Kristin share ideas for your retirement money when it comes to being tax efficient in 2024, along with how to best plan for taxes in retirement moving forward. Plus, their personal bucket list travel goals! 🌎 If you’re near or in retirement and have a 401(k), IRA, or other retirement account as part of your portfolio, this tax information could be very helpful before 2024 ends!
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Especially these days, making sure you get what you pay for is a priority. Legacy recently had an interesting inquiry regarding portfolio management fees and fiduciary financial advisors. Greg & Kristen explain why there are fees, how they work, and what should come along with the fees you pay. Listen to find out what value to seek when paying your advisor!
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Most of us are relieved the fear-based election ads ending, both right and left. It’s been intense! Greg and Kristin share how they help families create retirement plans that can withstand big uncertainties, and not give into fear. Plus, some ideas on how to most efficiently hand down or inherit retirement accounts.
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We’re embracing the flavors of fall! But did you know there's an extra “tax” on many pumpkin-spiced products? 🎃 And did you know when you retire, your taxes may increase too? With the Trump Tax cuts set to expire at the end of 2025, Greg and Kristin share how to best take advantage of what’s available NOW. Plus, we reveal the intentional reason we turn to other professionals for some types of planning, such as Medicare, wills and trusts, and some inheritance planning.
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Greg shares 5 reasons why talking about money is vitally important when near or in retirement, along with a story that illustrates why talking to the right person for where you are in life is key. Greg and Kristin also discuss a controversial income option some consider for retirement dollars, along with strategies that are usually worth avoiding, and why.
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Many Americans feel they aren’t getting enough sleep, including some of our podcast crew! 😴 Why? Everyone's reason is very different. But if you are losing sleep about having enough money, listen as we discuss what formula is best when estimating how much income is needed in retirement. Then we share the key cost many forget about, so that you're better prepared!
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After catching up on fall flavors, Hallmark Movies, and more…
Greg and Kristin address the importance of not allowing the news cycle to dictate your decisions. Hear what Greg believes is the biggest asset for those transitioning into retirement, and why free social security reports aren’t as helpful as they used to be.
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This week we discuss a nostalgic company making a marketing change, and what our team is currently receiving many calls about: Concerns about retirement accounts with the election chaos looming. Greg explains what to consider to help diversify your portfolio for retirement when it comes to the unexpected on Wall Street, along with the various ways to invest. Plus, they debunk a “myth” about retirement!
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Greg and Kristin share the top 5 items soon-to-be and current retirees should pause and pay attention to between now and the end of the year. Don’t worry, if you feel you’re behind… You are not alone!
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How often should you check your retirement accounts? Maybe you set money aside in stocks on Wall Street, a 401(k)s, or a Roth IRA Greg explains why your age and allocations matter when answering that question.
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Days ago Kristin returned from Guatemala on fire for Dare For More Ministries! 🌎
CEO Reba Bowman shares the impact they’re having, along with the biggest needs. From safe houses providing physical, emotional, and spiritual protection for women in crisis, along with training centers that empower women to safely provide for themselves… Hear why Dare For More Ministries outreach isn’t mainly focused on women stateside, but instead where these resources are most needed. Learn about their programs that help prevent poverty and abuse by showing women how to create income, and stop the cycle of abuse for mothers and children worldwide.
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With Amtrak reporting higher numbers, Greg reminisces about his early 20s and a job he had building railroad cars.
Planning to retire from physically strenuous jobs compared to an office job can present different obstacles, but the end goal of retiring remains the same: Having enough income to retire comfortably, and a plan for NOT running out of money!
👨💻 Snag a copy of Legacy’s My Retirement Kit to help you get "on track." 😉
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After a piece of financial trivia, we reminisce about how we have spent our “piggy bank” money over the years. 🐖 Then review Fidelity's basic guidelines suggesting we need 10 times our income saved by age 67 to retire. The planning process is key when creating an enjoyable retirement, and Greg shares how with the stories of 2 very different couples the team has helped. With the right approach, you can create a retirement plan that works for you whether you're in a high or low tax bracket.
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Restaurants and stores use various strategies to maximize profits. Don't most industries? That’s why Greg and Kristin are leaning on their experiences to share the top 5 things you should consider when hiring a financial advisor, especially in or near retirement. If you have an investment portfolio or 401(k) and are approaching age 60 or older, this episode is for you!
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2 personal experiences remind us how technology can help our financial life, but why trusting our instincts remains the best way to avoid getting ripped off. Kristin even shares an idea families could use to help mitigate the risk of some scams. Whether it's your bank account, retirement funds, or credit, you should take extra steps to protect yourself from fraud to be safe. Greg also talks about the fiduciary standard and the "Legacy Standards" our awesome team follows.
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Before Biden backed out, his administration announced another round of student loan forgiveness... Bringing total student loan forgiveness to $168.5 billion! Greg and Kristin discuss how this and other forgiveness programs encourage a "Robinhood" mentality. Plus, we hear insight from their Generation Z son and how Alexa is trying to help Gen X and Baby Boomers keep up with what Gen Z is saying!
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We’ve had a busy few weeks in American politics!
The old news is that Biden bowed out of a second term and endorsed Kamala Harris as the Democratic nominee. Days before, there was an assassination attempt on Trump, and days later Vance became his running mate. Greg and Kristin address how the political whirlwind of “unprecedented” news CAN impact our retirement accounts, and what to consider. Plus, the old-school way that kids are connecting!
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Now that J.D. Vance has been announced as Trump’s VP pick, how does that impact the trajectory of the election and the future of your personal economy? Greg and Kristin also discuss how well the S&P 500 has been going this year, and what to keep in mind.
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Greg and Kristin discuss the most recent presidential debate, and what it means for our financial bottom line. Right or left some are feeling uncertain about the future of their personal economy, Wall Street, and the trajectory of our nation. With so many unknowns, Greg and Kristin remind us to start accounting for what’s necessary for our personal income plans.
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🇺🇸 This July 4th week Greg and Kristin embrace and celebrate patriotism, freedom, and hot dogs! 🌭
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What happens when life throws you a curveball and you don't have a plan? Don't worry! Greg and Kristin are here to tell you that your retirement dreams aren't necessarily doomed. With the right planning, you can still have a Winning Retirement. The first step, especially if you're married, is to get both of you involved in the investing and income planning process. Listen to hear the rest of the steps you need to take!
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Greg’s back from his mission trip with their son, which brings up a natural conversation about purpose during all stages of life, especially retirement!
Then, since he's seen the performance of clients' accounts under both Trump and Biden, we find out whose presidency has been best for Americans' 401(k)’s and overall retirement. 🇺🇸 We also openly discuss how the political divide feels larger than ever in America, and why no decision should be made out of fear. Plus, what you CAN do to be most efficient with your retirement... regardless of who occupies the Oval Office.
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The drive-thru used to be where you could grab a fast cheap meal. Boy do those days long gone due to inflation! 🍟+🍔+🥤= 🤯 We’ll reveal what national chain prices have risen the most in the past decade. Greg and Kristin then share what retirees, who are all on a fixed income in some way should consider to maintain their lifestyle in all areas of daily spending. Plus, Kristin finally gets an analogy right! 😉
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🌏 Their son’s calling to be a missionary led Greg to India for a short trip to help serve others. 🇺🇸 Back in the U.S.A., their journey sparks talks of patriotism, and inflation climbing here at home. Kristin points out the difference in how inflation is reported lately, and what the numbers really mean for your wallet. Listen to learn why those of you in and near retirement need to pay attention to the numbers released, but more importantly your income in retirement. Plus, the complications of traveling today and the evolution of everything from appliances to retirement leads us to a conversation about simplicity.
👨💻 Legacy’s My Retirement Kit.
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What should you expect from your first appointment with a financial advisor? 🤔 What should you walk away with after that first meeting? It may feel a little uncomfortable, but Greg and Kristin openly share what to expect, and what to not.
🛒 One grocery chain is spotlighting inflation as part of its marketing to gain customers. The same goes for popular fast food spots to get customers driving through again. 🍔 Competition is heating up, but we’ll uncover what it all means for your budget today and your retirement plan for the future. Learn what you CAN control to hopefully help you NOT run out of money during retirement!
🔗 Legacy’s My Retirement Kit
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This week's discussion focuses on embracing the wisdom of the Baby Boomer generation and beyond for Gen X and below. We also explore one CEO's idea of eliminating the traditional retirement age of 65. 🤯 And highlight the obstacles those wishing to continue working past 65 in the current job market face.
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📚 College is now a major financial decision, especially for Generation Z. After Greg and Kristin discuss college experiences, you'll hear considerations for the efficiency of your retirement taxes (especially with the Trump tax cuts scheduled to end in 2025 and Biden’s student loan forgiveness program underway). And what the "graduation" from accumulating to spending money involves.
The link mentioned in this episode is HERE.
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💍 Marriage and retirement are both significant life milestones.
🤵♂️👰♀️ Several factors intersect when you retire. Greg and Kristin spotlight when and what you and your spouse should include as part of your “retirement talk.” Who better find out from than a couple who helps families retire on their terms?
Yes, the money and investment portfolio decisions matter, but listen and learn why there's more to iron out than just the financials! Plus, hear what one husband was brave enough to do in his wife’s kitchen when he stopped working.
Link mentioned in the episode:
👨💻 Legacy’s My Retirement Kit. https://www.legacyretirementgroup.com/my-retirement-kit-request
See omnystudio.com/listener for privacy information.
Will Trump and Biden debate before election day? We hope! 🇺🇸
Will Uncle Sam happily take more of your retirement money than is technically required? Maybe! 🤔
Will this married couple inform and be awkwardly entertaining on this episode? Yes! 👩❤️👨
A listener question about RMDs leads to learning why we might owe more taxes on our retirement accounts than we realize. Greg also shares a story about someone's Roth conversion strategy that illustrates how some can be more efficient with taxes in retirement, with the right planning. Listen to find out how to begin exploring that path on this week's episode, TODAY!
Links referenced in the podcast: Test My Retirement
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🌭 Yup. This episode is like a stomach ache, kind of. But hey, with some home remedies, it's worth a listen!
Moody's Analytics found that regular American families are shelling out more moolah per month, paying a whopping $200 more for stuff than we did just a year ago! 😱 With money top of mind for all, Greg and Kristin look closer at this inflation thing and its sustainability, especially for retirees. Whether you’ve funded retirement with a 401(k), IRA, or OPERS... Every penny counts!
And remember the "trial of the century" in the mid-90s? Well, O.J. Simpson is making headlines again with what some are calling "the estate battle of the century." Greg and Kristin are NOT estate planning attorneys. However, their experience lends some "takeaway tips" if you or someone you love is worried about probate.
Link referenced in this episode:
👨💻 Legacy’s My Retirement Kit. https://www.legacyretirementgroup.com/my-retirement-kit-request
See omnystudio.com/listener for privacy information.
🍔🍟 Thanks to their local government, California, fast food workers now earn a minimum wage of $20 per hour. Greg and Kristin explain how this could lead to increased use of technology and AI, resulting in fewer human employees. 🤖 They explore strategies for giving yourself a raise during retirement, and important financial conversations married couples should have before retiring. 💍
How do these topics about retirement affect you? 🤔 Schedule a brief conversation with our team ☎ https://www.legacyretirementgroup.com/schedule-an-appointment
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🧹 Greg and Kristin share actionable ideas to help spruce up your financial life this Spring! 🌼 Plus, learn if and when it makes sense to look into strategies that may help you plan toward a 0% tax bracket in retirement! (All situations differ).
If you’d like a copy of the My Retirement Kit they mention to help you get better organized, CLICK HERE to download yours today!
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The transition from working to retiring can feel uncertain for some. Find out what Greg believes is best to pair with a 401(k), 403 (b), or IRA. And it's not money-related!
We'll also chat about the new concept on social media for so-called passive income. Then, after Greg’s mini political explosion 🤯, he and Kristin spotlight the importance of work-life balance. But NOT the Bernie Sanders way, which is attempting to force companies to reduce the workweek to 4 days without cutting pay or benefits for workers. 🤔 If that doesn't add up to you either, listen to this episode!
How do these retirement topics impact you❓Schedule a brief conversation with our team ☎ https://www.legacyretirementgroup.com/schedule-an-appointment
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🚘 With so many on the road, we swap spring break stories and find out the wonderful reason the Taylors are skipping the travel chaos for now!
Greg then shares how one couple he recently sat down with knew exactly what they wanted to do in retirement: Buy a home in Florida! ☀️ Don’t worry, not everyone knows how they want to spend their time and money in retirement, yet. Listen for tips on how to approach planning for your lifestyle in retirement.
If you have questions about your retirement, schedule a brief chat with our team ☎ https://www.legacyretirementgroup.com/schedule-an-appointment
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After digesting the most recent State of the Union, Greg and Kristin share strategies investors may want to consider regarding retirement, social security, and even Medicare Part B and D during tax season.
Then we’ll talk about the market and how many economic predictions were way off. And, does that mean we're NOT expecting a financial crisis as bad as the pundits projected? Greg points out what he believes should be the top priority when investing, and it isn’t predicting market volatility.
❓ Questions about your situation? Schedule a quick chat with our team at your convenience ☎ https://www.legacyretirementgroup.com/schedule-an-appointment
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Greg and Kristin share how the tone and types of questions asked about retirement have changed over the last few elections, and how President Biden's canceling of $1.2 billion of student loan debt in February impacts us regarding future taxes. Campaign season is heating up, 🔥 and so is Greg!
Also, have you ever wondered why you put your money where it is? 🤔 If you're old enough to remember when bell-bottoms and bright color styles from the early 70s we originally a trend, this episode is for you! 🪩🕺 Greg and Kristin share why you should ask that question of yourself and your financial advisor, along with where your retirement income will come from when you need it.
Have questions about your specific situation❓Schedule a quick chat with our team at your convenience ☎ https://www.legacyretirementgroup.com/schedule-an-appointment
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🚀 America landed on the moon for the first time in about 50 years on February, 22nd. 🌚 Don’t worry, we didn’t know until after it happened either!
But a total solar eclipse happening on April 8th. 👓☀️⚫ We’ll pass along what we know (Ohio should have a good view!), and address how some feel retirement is so far out of reach that it's another galaxy away! 🚀 It’s true that the “plug and play” pension-led retirement of previous generations is pretty much over. The responsibility is now all on you. So, what do you do? Greg & Kristin share ideas that could help you at least get started with a plan, that’s based on you!
🧑💻 Questions❓Schedule a quick chat with our team at your convenience ☎ https://www.legacyretirementgroup.com/schedule-an-appointment
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Based on a couple's debate about how to handle a flat tire in the family car, you’ll learn a lot more about Greg & Kristin 👩❤️👨! They’ll also share signs to watch out for in case your retirement plan needs a tune-up. ⚠️ 🔧 If future taxation of the next few decades is a concern, especially considering it could diminish social security benefits, this episode is for you!
Questions about your specific situation❓Schedule a quick chat with our team ☎ https://www.legacyretirementgroup.com/schedule-an-appointment
See omnystudio.com/listener for privacy information.
Bitcoin ETFs are one of the newest ways to invest, making it easier for investors to dip their toes into crypto if they desire. But should you? 🤔 By the time the news broke in January that the ETFs were available, investors had bid the price up by 155% for 2023! 🤯 Greg and Kristin share the 4 questions to consider before making any new investment or portfolio changes (especially something as volatile and new as Crypto). Plus, a discussion about the least amount of money it takes to retire!
Questions❓Schedule a quick chat with our team at your convenience ☎ https://www.legacyretirementgroup.com/schedule-an-appointment
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Just as one cannot solely rely on computers for driving, we shouldn’t rely solely on 🖥️ for retirement success. Yes, technology makes certain aspects of investing easier and more streamlined. However, Greg and Kristin share why human input is necessary to ensure your retirement plan is tailored to your life.
They also discuss what to watch for on Wall Street and in the economic landscape, including the possibility of a pullback. You’ll also discover how one can potentially be more tax-efficient in retirement… despite our nation’s record-breaking $34 trillion debt!
Have questions about your situation❓ Schedule a quick chat with our team at your convenience ☎ https://www.legacyretirementgroup.com/schedule-an-appointment
See omnystudio.com/listener for privacy information.
Looking at the headlines, the new year has started with some layoffs. Some companies are cutting jobs simultaneously, while others make cutbacks in stages. Remember, every layoff or buyout is NOT the same. If you’re navigating an unexpected job loss, listen as Greg shares steps to take, especially about the decisions you’re facing with your 401(k) or pension… And figuring out if you can go ahead and retire, or need to re-enter the workforce.
Questions❓ Schedule a quick chat with our team at your convenience ☎ https://www.legacyretirementgroup.com/schedule-an-appointment
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Does it matter if your advisors’ political mindset matches yours❓
We explore the importance of this alignment, especially in the context of ESG investing. Plus, diversification and recession are two widely used terms in the investment industry, and for good reason. Greg & Kristin also introduce a type of diversification that can be instrumental in mitigating the impact of a recession on your retirement savings, depending on your situation. Toward the end of this episode, they also share a moving story about the planning one couple did to achieve their version of the American Dream.
🧑💻 Questions❓ Schedule a quick chat with our team at your convenience ☎ https://www.legacyretirementgroup.com/schedule-an-appointment
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Weight loss shots and similar drugs are often talked about like they’re a magic bullet. So, this week we’re going to find out if there’s anything similar in the financial world for people having trouble figuring out how and when to retire, and how to approach that planning. 🤔
Then Greg and Kristin share a story of a listener with key questions about asset allocation and Roth conversions. Hear how they discovered that trying to be more tax efficient could impact other areas of this listener’s financial life, including Medicare Part B. Plus, why 80 might soon be the new 60, and why planning to live to age 100 may be a good idea!
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⛽ A fueling station flashback leads to an interesting and touching customer service conversation with the Legacy team. 🤖 And with AI's popularity increasing, many wonder if it makes sense to possibly pay less for a robo advisor to manage investments for retirement instead of having a fiduciary financial advisor help. Greg and Kristin point out the pros and cons and share some options you may have with your 401(k), especially if you’ve left one or two behind at a previous employer. Listen to find out how taking more control over forgotten accounts might possibly pay off!
🧑💻Have questions? Schedule a quick chat with our team at your convenience ☎ https://www.legacyretirementgroup.com/schedule-an-appointment
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Greg & Kristin ring in the new year realizing how fast the kids are growing up! 🤯
Then go through ways some are suggesting to recession-proof your retirement this year, including why they believe we should be cautious of using precious metals for protection. 🥳 The start of a New Year often inspires people to change a few things in their lifestyle, including sometimes adjusting their retirement date. What should you keep in mind if you desire to walk away from work in 2024? You'll hear some takeaway tips from Greg and Kristin on this episode!
Links referenced in the podcast:
👨💻 Legacy’s My Retirement Kit: https://www.legacyretirementgroup.com/my-retirement-kit
👩💻 Questions? Schedule a quick call with our team ☎️ https://www.legacyretirementgroup.com/schedule-an-appointment
See omnystudio.com/listener for privacy information.
🎄 Christmas is coming! After we share how our team is celebrating, you’ll hear how Greg felt a true calling to help people near and in retirement, along with what entrepreneurs should focus on for a successful retirement.
They also address tax mistakes to avoid before the end of the year when it comes to taxes and retirement, and how having an income plan is key for ALL that retire.
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🧑💻 Schedule a 15-minute ☎️ call with our team if you have questions: https://www.legacyretirementgroup.com/schedule-an-appointment
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If retirement is on your horizon, listen as Greg & Kristin address the 5 steps to take if you’re hoping to retire in 2025, at least according to the Motley Fool. Most importantly they expand on why these steps are key.
Then we stick with the number ⑤ by going through what Kiplinger says are “5 Ways to Help Fill Costly Holes in Your Retirement Plan.” Greg and Kristin illustrate why reading an article can't fix your retirement or fill income gaps by sharing a story of love and the unexpected. Listen to find out how planning can help deal with the unknown, even during the toughest of times.
👩💻 Schedule a 15-minute ☎️ call with our team if you have questions: https://www.legacyretirementgroup.com/schedule-an-appointment
See omnystudio.com/listener for privacy information.
📺 After discussing the evolution of media consumption, Kristin reminds us to make sure we're receiving the value we're paying for in all aspects of life because every penny counts! Then Greg answers a key question: How much money is appropriate to do some trading based on instincts if you’re near and in retirement, and desire to do a little DIY investing? He also shares the story of a couple that set aside about $5 million for retirement. Don't let the number distract you. Listen to find out why the dollar amount doesn't matter as much as the efficiency of your retirement plan does, especially when it comes to taxes in retirement and achieving your goals after you stop working.
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After Greg & Kristin briefly discuss the great mail 📫 debate many couples deal with at home, we address dealing with how much the annual cost of health insurance coverage has risen. Then Greg & Kristin spotlight what it takes to be considered “wealthy” these days. Turns out it’s not just about the amount money people have saved in their retirement accounts.
👩💻Schedule a 15-minute ☎️ call with our team if you have questions: https://www.legacyretirementgroup.com/schedule-an-appointment
See omnystudio.com/listener for privacy information.
Out the gate, Greg & Kristin take the time to reflect on how lucky we are to be American citizens, especially with what’s happening globally. They also discuss how common it is to roll your 401(k) into an individual retirement account (IRA) when changing jobs or retiring, AND why you should be cautious of possibly being exposed to poor investment advice. You’ll learn why the “fiduciary” standard of care is something you should ask about. Plus, with one of our favorite warehouses selling gold bars, does that mean we should buy some?
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Greg and Kristin have their hands full with the kids heading back to school and managing the excitement of a new teenage driver! 🚘 After sharing a fun family story, they address a Bank of America survey highlighting the growing trend of people dipping into their 401(k)s for reasons beyond retirement. This speaks to the financial challenges many Americans are facing due to inflation, high credit card interest rates, and the broader economic landscape influenced by the Federal Reserve. Greg and Kristin share ideas to possibly help cope with these challenges.
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Since there isn’t enough good news, we start this week by sharing Taylor Swift’s 💃way of showing she’s very grateful for her touring team's hard work 🚛. Greg reminds us of easy ways to keep the “good news” vibe going with simple acts of kindness in daily life.
You’ll also hear ⑤ tips to consider if you want to stop working within the next 2 years. Plus, Greg & Kristin breakdown Warren Buffett’s outlook on America’s recent credit rating drop, and how he’s approaching Treasury Bills with his portfolio. And if a pension is part of your retirement income plan, listen to find out how increasing interest rates 🆙 can impact things like lump sum pension buy-outs.
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Ever wondered what you need to have handy to get a 2nd opinion about your investments and retirement plan? Greg and Kristin give tips on what to have handy to not only be better organized in general with your assets but to obtain a second opinion of your portfolio. It’s not just about dollars and cents. Your goals should be key! They've also made available a no-cost My Retirement Kit at no charge to help!
And retirement means you’re on a fixed income in some fashion outside of social security. Since you start paying yourself for income when yu stop working, they discuss the impact of inflation easing according to the Fed, shrinkflation, and if companies will/won’t drop prices or bring back services to pre-COVID life… Or, is this a new economy we need to embrace and plan around?
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Knowing that scientists have created lab-grown chicken 🔬+ 🧫 =’s 🐓 (we're not fans), reminds us of the changes in options and obstacles Americans face when wanting to retire but NOT run out of money. Greg & Kristin share the story of a couple that needed to fill a gap in their future income before they call it quits at work. Find out how their team of fiduciaries helped this couple figure out how to slightly tweak their current lifestyle so that with proper planning, they'll have enough money in retirement! Plus, they share tips on how to help figure out when and if long-term care insurance is something you should purchase.
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As a signal of summer’s start ☀️, Greg & Kristin’s youngest stops by for a few minutes this week! Then we discuss the rise in romance scams and red flags 🚩 singles should watch out for, and clear up some fear-based and misguided information you may have heard.
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So much to share this week! We start by sharing the latest news about America's fastest-growing sport: 🏓 Pickleball! - It’s not just for retirees to enjoy!
Plus, many Americans have worked very hard, lived within their means, saved, and invested for retirement, but may still feel it’s not enough. Greg & Kristin remind us all that retiring isn’t simply about dollars and cents. To learn more about the charity Dare for More, ⬅ Click there.
📣 Quick warning: This episode contains a discussion of assault, child trafficking, and a charity that helps those victims, at about 15 minutes into this particular episode.
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Apple AirTags are (sort of) helping to fight crime, and artificial intelligence is creating A LOT of hype and concerns, even in the entertainment industry. However, could AI be a helpful tool when creating a plan for retirement? Greg and Kristin share their unique perspective along with a very personal story that relates.
They also examine the Fed’s latest interest rate hike to fight inflation... Why Greg thinks this could mean more bad news for bonds, and what tool they're sometimes suggesting for clients that have been rattled by the banking chaos but are seeking some safety.
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🍔 BIG changes are coming to one of the most popular burger spots, and thanks to President Biden and his administration, BIG changes have been implemented for all home buyers whether you have good or bad credit! 🏠 And with so many different opinions about the economy, inflation, and what the Fed may or may not do… We’ll dig into why the pundits aren't saying much about the stock market, and why wall street has been fairly flat lately. Plus, Kristin adds perspective to what one financial website says are the 5 big money purchases you’ll likely regret in retirement. Remember, everyone’s retirement is unique… so what’s ideal for your family may not be for others.
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To help retain losses, some online retailers are hoping to persuade consumers to make fewer returns. 📦 In fact, Amazon will begin charging a $1 fee for one return method but is still offering free returns in other ways. This gets Greg’s fiduciary brain focused on how we easily get fixated on the small ways we feel we’re losing value. However, when it comes to investments for retirement, we often don’t think about the fees we’re paying for some options in our portfolio, and if there’s true VALUE in that fee or not. 📚 We also embrace April being National Financial Literacy Month by Greg & Kristin passing along financial tips! And when it comes to you’re 401(k), are you on track compared to the rest?
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🌎 There’s a new wealthiest person on the planet, but most middle-class Americans aren’t phased by that since we’re concerned about our own livelihood… Especially now that cutbacks are coming from non-tech companies due to concerns about a slowing economy. Find out Greg & Kristin'slogical yet positive outlook,and how you can hopefully financially best prepare for… whatever happens next. Then we address a question prompted by one of our listeners:
If my retirement accounts are down, does the blame fall on Biden? Greg & Kristin give their unobjective opinion how our nation got into this precarious economic position.
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With various global and political concerns along with inflation… For many, things just don’t feel right. Greg calmly reminds us that we need to be careful about what we watch and listen to, and make sure we’re able to discern what's real versus media hype. He also explains how to evaluate if it’s time for you to button up your portfolio based on your situation. 🤴 Plus, the King of England will soon be crowned, but we’ll find out if CASH IS KING in America since interest rates on some savings and money market accounts are looking pretty good these days.
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For many pessimism is growing due to global concerns, the banking chaos, AND the Fed following through with the 9th interest rate hike within a year! This week Greg & Kristin share ideas that could help calm some uneasiness, and hopefully better control what happens to the future of YOUR personal economy, portfolio, and retirement lifestyle. 🌷 Plus, they pass along financial spring cleaning ideas that might be helpful to you and your family! 🧹
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The collapse of Silicon Valley Bank is the 2nd largest shutdown of a bank in U.S. history, and investors have felt mixed reactions from wall street. With many having 2008 flashbacks and general anxieties about the current economy, Greg & Kristin point out that panicking doesn’t help… But the right planning can!
🏀 Then we embrace the fun and pain March brings for college basketball fans! However, if you’re paying more attention to your NCAA bracket than you do your tax bracket, Greg & Kristin explain how that could add up to a larger and longer-term problem if you and your advisor don’t have a game plan for FUTURE taxes on your retirement accounts.
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Small businesses are a LARGE part of the American dream, but certainly not an easy path to put food on the table. Entrepreneurs are always looking for ways to improve the fiscal health of their companies. One strategy Greg & Kristin recently came across is called the Employee Retention Credit. It's a grant that became available through the Coronavirus Aid, Relief and Economic Security Act, but it allows businesses negatively affected by Covid to possibly receive a monetary benefit from the IRS for retaining employees during the difficult times of 2020 and 2021. As business owners themselves, Greg & Kristin share how you can explore this resource along with what to watch out for. Listen for tips on how ERC could potentially help you now, and maybe even help you grow by reinvesting in your business.
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After discussing the latest chicken choice and how it may not live up to all it’s cracked up to be 🤭 We discuss how one investment strategist is predicting more economic chaos, calling March a “high-risk month for the bear market to resume.” Greg & Kristin are here to be a voice of reason by simplifying how you CAN control your personal economy by planning and not giving into the fear and greed the pundits pontificate.
And with every penny counting (especially these days), we address the pink elephant in the room about future taxes on retirement accounts. Is a Retirement Tax Analysis and the planning that goes along with it mainly beneficial for those who’ve saved $1 million or more? Or can it also help those who worked diligently to accumulate a more modest nest egg? Greg shares a story illustrating why the answer is YES, depending on the individual situation.
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If you’re nearing retirement, are you aware of how BIG of a factor healthcare costs can be? Medicare isn’t always as simple as it seems, especially for couples planning retirement dates. Listen to find out why Greg has nicknamed this a “hidden tax” for retirees, and how you can be more efficient with your overall taxes in retirement.
Plus, with economic concerns increasing, Greg & Kristin explain how understanding what and how you’re invested can often help ease some anxiety about the stock market, along with knowing your true comfort level with risk versus return. We also spotlight how the talking heads are changing their opinions fairly quickly these days.
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Did you know more than half of Americans feel they have unofficially assigned seats throughout their home? We start this week by discussing how that works at the Taylor house!
Then Greg & Kristin pull back the curtain and tell us how their Portfolio X-Ray process works, AND how long it takes for you to find out where you stand since many are being asked to make retirement decisions at work quickly. Plus, a key discussion as to if we experienced a recession last year and if another is on the way in 2023.
See omnystudio.com/listener for privacy information.
With another rate hike from the Fed, we discuss how inflation has changed many of our habits, including going to the movies. Greg & Kristin talk about how they are helping their clients maintain their lifestyles despite inflationary times by planning for their specific needs and goals.
Also, did you know politics regarding the environment and other hot-button issues could become part of your 401(k)? Environmental, social, and governance investment priorities (also called ESG) went into effect recently. Greg & Kristin spotlight how this allows asset managers to include socially conscious stocks in 401(k) plans. That doesn’t mean it’s happening to yours now, but listen to find out how this could impact the future of your retirement, but doesn’t have to.
See omnystudio.com/listener for privacy information.
Many are looking at their 401(k)s and other retirement accounts and noticing their balance is lower than when 2022 began, but inflation is still here in 2023. Greg & Kristin discuss what those who are wondering if they can still pull off their own retirement when they’re ready should focus on. They also explain how market volatility is ALWAYS present in some way, and that’s why their team of fiduciaries focuses on planning as efficiently as possible for the unexpected.
See omnystudio.com/listener for privacy information.
Sunday will be here before you know it, and it should be an intense game between the Eagles and Chiefs as they both eye the trophy! No doubt there will be a few penalties during the gridiron action. That’s why this week Greg and Kristin are sharing financial penalties and rules those near and in retirement should keep top of mind so that you don’t lose too much of your retirement money to Uncle Sam… but still pay your fair share of taxes in retirement. Listen to find out if you need to consider changing your personal game plan for retirement.
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We’ll reveal the latest inflation hit announced, this time from the postal service. Then we'll travel down memory lane to when we used to collect green stamps/trading stamps from grocery stores and save them for something special! Greg & Kristin then share their opinion about what investors need to consider regarding their retirement accounts as we continue into 2023. Plus, we discuss what the French government is doing to change the course of their citizens' futures by increasing the retirement age to help tackle their pension funding deficit. Greg and Kristin explain how they help their clients handle pension decisions, and create a true plan for retirement.
See omnystudio.com/listener for privacy information.
Doesn't matter how small or large the fib is, we all hate being lied to under any circumstance. There have been quite a few headline-grabbing stories over the years about investors feeling or worse, being misled about their money. Greg and Kristin share the questions that may feel awkward to ask your current or potential new financial advisor... but that you NEED to in order to make sure your best interest is their top priority. We'll go ahead and give you the first tip now: Make sure they are a Fiduciary!
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We’re doing things a little differently on this episode. Since Greg is busy with dad duty, Kristin invited Glenn Harper, CPA & Owner of Harper & Company CPAs along with Practice Manager Julie Smith to shed a different light on our financial conversation. If you’re an entrepreneur and could use insight about planning for your own retirement, along with a heads-up on mishaps small business owners should avoid, this episode is for you!
Plus, we’ll share the latest changes that could impact your RMDs (required minimum distributions) and the future of your taxes in retirement.
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To start the New Year, Greg and Kristin spotlight their new no-charge online tool: TestMyRetirement.com. It’s a resource for those of you near and in retirement to gain more insight regarding your possible future tax obligations after you stop working... And to see if you could potentially be more efficient by making some adjustments. We'll share a story of a lady in her 70s who decided to try this new resource. Fortunately (and unfortunately) it made her realize her current advisor has never talked to her about having an efficient plan for her tax-deferred money. Greg and Kristin also share tips on what to keep in mind if it’s your goal to retire in 2023! And yes, the B-word… Budgeting is key to pulling it off successfully!
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Interest rate hikes are no longer just a burden on home buyers and consumer debt. Greg and Kristin reveal how much the federal government has made in interest payments on America's debt during 2022 alone. It’s another unfortunate reminder of why we need to stay on top of taxes when it comes to our retirement accounts. Then we flashback to the era of shopping “blue light specials” at Kmart and find out if there are any sales on Wall Street considering the recent market dips that investors may want to consider taking advantage of. Greg explains who should probably pay the most attention when it comes to taking advantage of those dips, and who should be more focused on the big picture of their retirement.
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Artificial intelligence has changed our lives in tremendous ways. Listen to find out one of the latest ways it’s changing the way Americans drive-thru for fast food. Greg and Kristin then discuss the pros and cons of how technology has changed retirement planning and investing, and what components they believe can’t be replaced by AI, and why.
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2022 has been a tough year financially with bear markets, rate hikes, and intense inflation. Greg & Kristin share some money-saving hacks that could possibly help reduce your grocery bill. Then Greg applies a similar mindset to investing and explains why the most convenient option isn’t always the most efficient for the long term. (If you have target date funds inside of your portfolio, this episode could be particularly helpful for you.) We’ll also discuss why inflation and longevity might shrink the well-known 4% rule down to the 1.9% retirement rule, but doesn’t necessarily have to with the right planning.
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With midterms fast approaching, we reminisce about political figures we wish were still around. Then discuss the acting career of Ronald Reagan and why he eventually decided to only be in about two movies a year during part of his career in Hollywood. Why? Because of TAXES! Greg spotlights the tax cuts that are set to expire in 2026, and what you can do to possibly be more efficient regarding taxes and your retirement accounts. Plus, a key discussion regarding what to consider when it comes to pension decisions.
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After discussing the latest trend in wedding gifts, Greg & Kristin share insight on the latest dips and drops in the market. If you’re hoping to find a magic bullet to make it all easier, this is NOT the podcast for you because that doesn’t exist. However, there may be some alternative options and strategies you aren’t aware of that could possibly serve your retirement accounts better depending on your situation. Greg also explains what to keep in mind if you’re considering a Roth conversion as a way to possibly minimize some of your losses in 2022.
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With early deals for the holiday shopping season already underway, Greg and Kristin share why they believe Amazon and other major retailers could possibly be shooting themselves in the foot by trying to combat projection concerns too early, and why these deal days could potentially damage parts of the economy. Then they shift the focus to the Fed’s 3rd sequential 75-basis-point interest rate hike attempting to fight inflation, and why the markets and many retirement accounts reacted negatively. They explain how to deal with these varying numbers in a way that hopefully doesn’t change your lifestyle when in or ner retirement.
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We start this week with some fun by embracing the yummy food of Fall, then turn our focus to the major financial topics impacting your bottom line. With the Fed making headlines along with a few companies announcing downsizing, markets were rattled in mid-September, which is often a rough month for the market. Greg and Kristin spotlight some alternative options those in and near retirement might want to consider during this time instead of simply stocks bonds and mutual funds... if you’re seeking more stability along with income in retirement.
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After revealing Americans have $21 billion in unused gift cards, Kristin shares a very helpful tip to make sure you don’t lose the value you have loaded up on any gift cards at home! And now that Fed Reserve Chair Jerome Powell has confirmed the central bank will continue raising interest rates until inflation is under control, Greg and Kristin explain how to deal with the uncertainty that investors in retirement or close to it are feeling. Plus, they discuss the impact of President Biden’s student loan forgiveness program on inflation, taxes, and your bottom line.
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First, you’ll find out who on the podcast is now the GOAT… sorta kinda not really. 😉
Then we focus on what’s truly important: Inflation. What will the Fed likely do with interest rate hikes? Are we in a recession or not? Greg & Kristin share a shopping story that reveals the true consumer sentiment we’re all feeling. We'll also hear about a couple that did very well as DIY investors and find out if they even need the help of a fiduciary financial advisor for retirement. Plus, what to watch out for when it comes to the volatility of wall street!
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After discussing a recent international pizza fail, Greg & Kristin dive head first into inflation and how political its become with midterms right around the corner and President Biden signing the Inflation Reduction Act into law. They drill down on how this legislation impacts Americans, especially the middle class. If the volatility of wall street, inflation, and the likelihood that taxes will increase are a concern to you, give this episode a listen!
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After sharing what many travel insiders believe will happen to domestic airfare in the fall, we dig into the recession debate. The textbook definition of a recession is back-to-back quarters of negative economic growth… A definition that seems to be changing depending on who’s delivering the message. Either way, the man who forecasted the 2008 crash is now saying things will likely only get worse in the 3rd quarter economically. Instead of panicking, Greg spotlights why investors near and in retirement should tune out the noise, and instead, dial in their personal risk capacity within their portfolio. Listen to find out why taking more risk doesn’t always mean more of a return. We’ll also discuss why some say they’re delaying retirement because of inflation, and how you can take a step back and remove some emotions from that decision.
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Walk Street ended the 2nd quarter in the red, but July clocked the best month for the S&P 500 since November of 2020. So, this week Greg and Kristin are helping us better understand if the market sell-off is over or not. You’ll also hear about a couple that has lost roughly 20% of their portfolio since January, and how Greg was able to discover that by using the right strategies and planning, they'll still be able to still retireon their terms... without just going to cash. Everyone's story is different, but hearing this example of how having a fiduciary financial advisor to help you develop a true retirement plan could change your outlook on the future.
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We’ll start with some fun by revealing what brand from our childhood is changing its name. Then Greg & Kristin discuss how to best deal with the anxiety many are feeling about inflation being over 9% and wall street’s volatility, especially since we’ve just experienced the worst first 6 months to a year for the S&P 500 since 1970. Plus, they explain how there might be a silver lining to this bear market when it comes to Roth conversions... depending on your situation.
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There’s been a change in the mindset of many consumers, especially now that Americans are spending hundreds of dollars per month more due to inflation. With interest rates rising in a bear market, Greg & Kristin discuss the various pieces of the puzzle that are impacting the economy and the bottom line of your budget and investment portfolio… And what control you can take. Plus, they discuss what some say are the 3 retirement income mistakes to avoid.
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We’ll reminisce about an American road trip staple from the 60s & 70s, then shift our focus to why Greg feels we're in the perfect financial storm: The stock market is off to its worst start to the year since 1939, interest rates are rising and inflation is getting worse everyday.
He explains why younger investors may want to buy now while the market is “on sale,” and why those near and in retirement need to view things differently. We also explore the pros and cons of spending your retirement years as an expat.
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The S&P 500 recently entered bear-market territory for the first time in more than 2 years. With so many concerned about a recession impacting our day to day lives… Greg clarifies what those near and in retirement should consider moving forward regarding their investments and over all financial life. You’ll also hear the story of one family who, possibly like you, is feeling paralyzed by the ever changing economic news.
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You won’t believe the world record that was recently set for the longest time working for the same company! Greg & Kristin reveal the details, and discuss what Americans should keep in mind when it comes to workplace retirement accounts when nearing or in retirement… especially with 401(k)’s!
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After some lighthearted chat about eating healthier, we simplify what’s happening with the market and economy. With the current volatility and many considering sitting on the sidelines in cash, Greg and Kristin discuss the importance of not making investment decisions based on fear. Find out why it’s helpful to know your Risk Score and have a well thought out personalized plan put together for your future. They also explain how they’re approaching the interest rate hikes for their clients, along with inflation as it continues to soar.
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Unless you’ve been living under a rock, you’ve likely felt inflation swelling at the fastest pace since the early 80s, up 8.5% in March from a year ago. Find out why Greg not only helps people prepare for inflation in general... but why he also includes what he calls the inflation of retirement in his planning. Plus, we discuss how the change in American workplace culture has impacted soon-to-be and current retirees, and why a work-life balance has always been a priority at Legacy Retirement Group.
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Some investors are considering soon adjusting allocations based on the longstanding “sell in May and go away” investment strategy. Greg and Kristin explain why the midterm election season, politics in general, and the current economic climate could throw a wrench in that wall street tactic. They discuss the importance of not being sold when it comes to retirement planning and clear up a key issue that’s making retirement planning more difficult for some that are hoping to retire soon.
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After exploring how much we’re spending on the furry members of our family, Greg and Kristin explain how the retirement reform plan known as Secure 2.0 could change the way Americans save and access their investments. Not only could it impact the taxes on your portfolio and RMD’s, but it may help some Americans find lost retirement accounts. Plus, with such an influx of economic news, they pass along tips for keeping as much of your savings in your pocket as you can.
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Traditionally we’ve turned to bonds when looking to de-risk our portfolios, but with the Fed raising interest rates in an effort to lower inflation, Greg and Kristin discuss various ideas to consider if you’re seeking less Wall Street volatility during this unique economic time. This conversation is especially timely if you’re an investor who's wondering if the Fed’s plan will work without pushing us into recession.
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Mortgage rates are on the rise while inflation is at a 40-year high of 7.9%, and many are concerned that a recession could be on the way. Instead of focusing on fear, Greg and Kristin explain how to put together a plan that you not only understand... but also provides more confidence. Plus, they reveal what could be the upside of a down market when it comes to your retirement accounts and Roth conversions, and how they helped one couple recently accomplish that.
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We need to be aware of what’s unfolding with the war in Ukraine, but Greg and Kristin bring up an important question: Are you too focused on the news?
If so, it could overwhelm you and your financial decisions… Especially with concerns of a potential recession top of mind due to inflation, interest rates, and other factors. They illustrate why this intense time reminds us that your retirement plan should include a detailed strategy. Not just focus on the growth of your 401(k)’s, IRA’s, stocks, bonds, mutual funds, etc.
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There’s been a lot of market volatility in reaction to the Fed and Russia invading Ukraine. On this episode, Greg and Kristin review what to soon-to-be and current retirees need to consider when it comes to their investments today and in the future. Plus, times such as this remind us how thankful we are to be Americans, and for many their American dream is being an entrepreneur. The Taylor’s uncover what small business owners should keep in mind when it comes to their own retirement.
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This week we start by chatting about the results of a new study regarding the Mediterranean diet possibly adding longevity to our lives, and Greg and Kristin validate how important it is that our retirement savings last as long we need them. That’s certainly become more of a concern with inflation at a 40-year high, the unknown impact of future interest rate hikes and supply chain issues. Then add in the Ukraine crisis and how that could all impact our investment accounts. They share the 5 areas we should focus on (and what we can control) when it comes to the long-term success of our retirement.
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Greg explains how he found out about a costly leak at home you may identify with as a homeowner... But have you ever thought about what would happen if your 401(k) sprung a leak? He explains what retirement account “leakages” can add up for investors, and how to identify these leaks and prevent them from draining your savings. And since it’s tax season, Greg shares his favorite strategies for helping people steer clear of leaks when it comes to their future taxes in retirement.
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Inflation and supply chain challenges are abundant, and we’ll discuss how they might also interrupt your workout routine if Peloton is your bike of choice! And after such a volatile January, Greg & Kristin realize many investors are concerned more volatility could be coming in 2022, especially with the tension between Russia and Ukraine. Find out how you can plan for the unknowns when it comes to your 401(k), 403(B), and other retirement accounts.
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Looking for a feel-good conversation along with some serious information you can use? Then this episode is for you! After a lighthearted cookie debate regarding Oreo’s 110th birthday and Girl Scout Cookie season, we discuss how imperative it is to work with an advisor that’s in tune with your needs. In fact, we discuss one couple that recently reached out to us because they feel their advisor isn’t retirement focused. Greg & Kristin clarify that you might have the right tools for retirement, but you may need help using those tools to create a true a plan when you’re near or in retirement.
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Americans are keeping a close eye on what develops with the Build Back Better Act, but many have forgotten about the Securing a Strong Retirement Act (Secure 2.0). Since it has more bipartisan support and is more likely to be passed, Greg and Kristin explain how it could alter some rules regarding your IRAs, RMDs and more. Listen to find out if this bill on capitol hill would be a benefit or a blow to your tax-deferred accounts.
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Lately, Wall Street has seen all-time highs while also taking some dips. If this volatility along with inflation and the ongoing interest rate chatter has you wondering if you should put some cash on the sidelines, this episode has insight for you. Greg and Kristin discuss what families should consider NOW for both the short and long-term plan of your portfolio.
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The 401(k) was introduced about 40 years ago, and it’s a great way to save and invest for the future. On this episode, Greg and Kristin reveal how the 401(k) has inadvertently become a plan for retirement for some simply because of required minimum distributions from Uncle Sam. They explain why that can be problematic and the importance of using 401(k) accounts along with other investments to create a true plan for retirement.
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Whether it’s because of a vaccine mandate or more responsibilities piling-up on your desk due to the labor shortage, many experienced workers are facing tough choices about their job and retirement date. Greg and Kristin highlight what baby boomers should consider during this odd economic period. Plus, a recent survey found that half of Americans say they lost sleep over finances in 2021. Greg and Kristin share steps investors can take to plan for current and future financial fears… with more confidence.
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After dreaming of warmer weather, we discuss how the Great Resignation is real… but it’s not the reality of every American. Greg and Kristin remind us how important it is to have a true plan so you can retire on your terms. Plus, with the end of year fast approaching, they shed light on what consider taking advantage of with your investment portfolio regarding your 401(k), IRA’s and the future of your taxes in retirement.
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The talking heads are pontificating what sectors will be strong performers through the end of the year on Wall Street, and some of it may be worth paying attention to. Greg and Kristin spotlight what you should consider with your portfolio allocations, and how to be as efficient as possible with your 401(k) and other investments before the end of the year.
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The so-called “Billionaire’s Tax” is off the table for now on Capitol Hill, but on this episode Greg & Kristin highlight why ultra-wealthy Americans such as Elon Musk say regular investors should be concerned about proposals like this. Also, are you aware of the different types of financial advisors available? This week they offer tips to watch out for.
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Greg & Kristen receive a lot of questions from listeners like you, and they’re answering some of the most common this week. One is especially popular this time of year: Should we take advantage of a Roth conversation before 2021 is over? The other is focused on what your advisor should and shouldn’t be doing for you and your money. Greg & Kristin spotlight the appropriate expectation we should have from an advisor when it comes to communication, and what to keep an eye out for.
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Sara Blakely’s shapewear company is now worth an impressive $1.2 billion after making a deal with Blackstone. We embrace her American dream achievement by Kristin revealing a BIG mistake Greg made about Spanx years ago. Plus, since Congress still hasn’t come up with a final tax plan, they breakdown the forward planning you can take advantage now before 2022 begins.
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If you tune out when the younger crowd talks about “wokeness,” this episode focused on this unusual economy impacting our bottom line is for you. Inflation, supply and demand issues, the increasing debt of our country along with uncertainty about the future of taxes has many concerned. Greg and Kristin highlight what everyone should focus on during this strange time. Plus, an important discussion about what small business owners should keep in mind concerning their own retirement.
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Numerous companies across the country are requiring employees to be vaccinated or risk losing their job in almost every sector. Instead of debating vaccine mandates, Greg and Kristin focus on what you and/or a loved one need to focus on if you’re in this situation when it comes to your workplace retirement accounts.
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The risks investors face is continuing to grow, especially since deflation has become part of the economic conversation. Greg and Kristin not only simplify that, but also address how the current innovation and technology revolution we are living in could impact our investments moving forward. Plus, with the possibility of the backdoor ROTH being on the chopping block in Washington, they take the time to make sure you’re aware of what is available to you, at least for now.
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Nothing is final yet, but the latest tax proposals from D.C. Democrats have some investors rethinking their investments, and rightfully so! Greg and Kristin share tips on what you should ask your advisor TODAY regarding your retirement accounts to be as tax efficient as possible with your portfolio moving forward. This episode is all about controlling what you can control in an uncertain time.
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This week we reflect on the similarities of Wall Street today verses the markets of 1999, 2007 and 1929. Greg simplifies what we should be paying attention to today, and watching out for tomorrow when it comes to our retirement accounts.
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Remember being a kid and dreading “the talk” your folks wanted to have? Beyond the birds and bees, there’s another awkward conversation you should have with your parents and your own children… The financial talk. Greg and Kristin reveal two realities that impact baby boomers: Do you best to help mom and dad have a plan for their money so you don’t accidentally negatively impact your own financial future. And take care of your own financial planning now so your kids will have an easier time when it’s their turn. Either way, it’s all about taking care of family!
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With constant news developing regarding Afghanistan, COVID, vaccinations, and government spending… For many it feels as if there are more unknown than ever before. This week Greg is highlighting why and how we should take a step back and direct our energy and effort on what’s within our control.
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Taxes are about as low as they’ve ever been. It’s no secret they will likely be much higher in the future. However, Greg and Kristin have good news to share:
Some of the tax strategies American billionaires have been using for years are more obtainable for high-income and high-net-worth Americans than you may realize. - Every situation is different, but Greg and Kristin are simplifying why the focus shouldn’t be on what you make, but on what you keep when it comes to taxes and the future of your retirement.
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Thanks to texting and social media, acronyms have almost become a standard in communication. Think of all the LOL’s, IDK’s and JK’s you’ve seen or sent. On this episode, we have some fun clarifying some conversational slang. Then Greg & Kristin help us better understand the financial acronyms that can trip up average investors, and what we need to better understand about our investment accounts.
📱 So, to avoid FOMO, listen to this podcast ASAP!
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The neighborhood kids lemonade stand is not only a sentimental snapshot of America. It’s also where many of life’s lessons begin. We’ll hear from a 12-year-old entrepreneur about how his summer business is going, and you may be surprised to find out the financial and life lessons we can take away from those cups of lemonade! Plus, insight about a couple who’s uneasy about protecting their assets against market volatility... but also feels they have too much on the sidelines in cash.
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Everyone is feeling it. Considering that consumer prices rose more than projected in May, Greg & Kristin share some interesting insight on what’s really going on with inflation. Plus, with summer vacations and relaxation top of mind, they explain why it’s not time to get complacent about your money with the market heating up.
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Did you know that estate planning isn’t only for those with champagne wishes and caviar dreams?Greg and Kristin explain why almost everyone needs to do it, and how this planning impacted their own family recently. Plus, last spring it was toilet paper. This spring, it was gasoline! Listen to find out what we can learn from the recent fuel shortage along the east coast when it comes to our investment accounts.
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Many of the millionaires that Greg & Kristin work with were never doctors, lawyers or CEOs with 6 figure incomes. They are middle-class hard-working people from various fields that stayed focused on a goal, and still enjoyed life along the way! You'll hear the story of how one man worked his way up from a warehouse worker to running that same company... and put away almost $2 million dollars during his career. Find out why he and his wife now need Greg and Kristin’s help.
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According to an investment research firm (and some of the media), President Biden had the strongest stock market performance during a new president's first 100 days in office since John F. Kennedy in 1961. First and foremost, Greg & Kristin remind us that politics should never separate family and friends, but then they illustrate how politics can impact our investments and what REALLY matters to your bottom line. Plus, they address what types of financial issues often keep people over 55 tossing and turning at night.
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A listener recently reached out with a common concern for couples:
The husband is uneasy after realizing that yes, they did a good job saving and investing all these years, but there is no true financial plan in place for his wife for when he’s no longer here. Greg and Kristin simplify what both spouses should consider, and how to approach planning for the “what if’s” of the future. Plus, a realistic and sensitive dialogue about how financial planning is different for blended families.
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Find out what your favorite HGTV home remodeling shows have in common with the way we should approach financial planning. And since the Masters wrapped up recently at Augusta National, we discuss top golfer habits that can also be applied to investing.
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Find out what financial myths to ignore and what you really need to keep in mind when figuring out your retirement number. You’ll also hear the practical way one man says he became a multi-millionaire on his own, and what he realized he needed help with after he accumulated that wealth.
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After Greg has a fun rant about Megan and Harry, you might be surprised to learn what you and the NFL’s Rob Gronkowski likely have in common when it comes to money. He also tells an inspiring story of how one middle class couple saved and accumulated over $2 million dollars for their future. Plus, how the current controversy about taxes could effect you and your family.
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As vaccines roll out across the country business are thankfully reopening, but you won’t believe the rule that some establishments in California have to follow. We also explain how President Biden’s proposed wealth tax is a little more complicated than just raising the income tax rate on individuals earning more than $400,000. Plus, an important conversation about what investors should lookout for and ask to find the right advisor.
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Our March basketball picks look a bit different this year. But it turns out that bracket mentality could teach us something about our money. For instance, the more you watch the NCAA tournament, the more emotional you become about the outcomes. Greg talks about drama of March basketball, especially since the powerhouses of Kentucky and Duke aren’t possible picks. Find out why having a complete team is not only vital on the court, but for your portfolio too!
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Greg & Kristin honor the recent passing of the king of talk radio behind the golden EIB microphone, Rush Limbaugh. They also explore how to be as conservative as possible with taxes related to your portfolio. Yes, it’s tax time, but Greg & Kristin are here to help you focus on the future taxes you’ll pay on your investment accounts… without making it overwhelming.
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Join us as we go down memory lane to our 1st jobs and embrace the impact teenage employment had on our future. Remember the tax shock most of us felt after opening that very first paycheck? It was painful, and still is! On this episode, Greg & Kristin simplify how we have more control over taxes when it comes to our portfolio than many of us realize. Plus, what you need to know about the Biden administration wanting to eliminate the Trump tax cuts, and how it could impact your bottom line.
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There’s obviously a cost to do business, but as consumers we typically seek the best overall value when making a purchase. It shouldn’t be any different with your investments. Greg & Kristin share a story of how they helped unearth over $50,000 in yearly fees a lady was unknowingly paying for 4 annuities with her previous advisor, and what you need to watch out for when it comes to the fees inside your retirement portfolio.
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2020 has raised A LOT of questions and shown us what little control we have over certain parts of our lives. Yes, you have 100% control over your vote for Donald Trump or Joe Biden. But what happens after that? When it comes to wall street, does it really matter who wins November 3rd? Should we make changes to our portfolio before the election? And why do those of us in the middle class have to sacrifice and work incredibly hard to be financially confident, but so many politicians seem to quickly end up as millionaires? With so many significant questions lingering, Greg & Kristin take the time to address these issues and more, and most importantly explain what you and your family should keep in mind concerning your investments and the future of your retirement.
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Many Americans are feeling uncertain about how the results of the election could impact their wallet. In very simple language, Greg & Kristin speak with Chief Investment Strategist Andrew Tang about what sectors they are backing off from for their clients… and why. They breakdown what we all should be considering for the long-term when it comes to our portfolio. Yes. Who is elected president November 3rd is important, but YOUR money is the focus of this episode!
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Because of how the pandemic has damaged our economy, many are being “nudged” toward retirement earlier than planned. Whether you’re offered an early buy out package, been furloughed, laid off or are wanting to leave your career prematurely by choice… All you really want to know is: Am I prepared to retire during an uncertain time? If you aren’t sure, Greg & Kristin explain what to consider, and how they’re actively helping people like you through this life changing time.
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You have your own opinion about how you’d like to see things play out in the election… But most of us are feeling some anxiety about how the results could impact wall street, main street and taxes… but mainly our bottom line. Greg & Kristin break down how they’re helping their clients make non-emotional decisions during this crazy time, and what you need to consider for the future of YOUR retirement. Find out what you can control… besides your vote!
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You’ve already given up a lot to save for the future, but what would you be willing to sacrifice in exchange for retiring 10 years early? You won’t believe what 8% of Americans said they would give up! Plus, many of us are eying how each presidential candidate plans to address taxes. Either way the election falls, it’s likely that Uncle Sam is going to take a bigger bite of our taxes in the future. Greg & Kristin explain how the middle-class can plan in advance for that NOW!
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With such a heated election in November, Greg & Kristin discuss how the outcome could directly impact your wallet… but doesn’t necessarily have to. Considering the political and news climate, this may seem like the worst time to do anything other than get through this craziness… much less adjust your financial plans! Yes, we’re all faced with a lot of uncertainty, but this episode breaks down the numbers you CAN control… and how to NOT let headlines or politics dictate your fiscal future.
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The saying “as California goes, so goes the nation" REALLY raises our blood pressure this week. California lawmakers are not only trying to hike their income tax rates, they’re now also pushing what would be a first-in-the-nation wealth tax! If California gets away with it, you can bet other states will attempt the same. Plus, an important discussion about what to consider if the election coverage is influencing your financial and investment decisions. This episode is about focusing on what numbers you CAN control… and not have them or politics control you!
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What’s the difference between being “rich” and being “wealthy?” Apparently, there is a distinction! Greg & Kristin breakdown how it’s all about financial freedom! Plus, the fall financial forecast is looks rough for businesses hit hardest during the pandemic, which likely means another round of layoffs are brewing. Greg & Kristin share encouragement & small steps for those near retirement to take who are concerned their paycheck could be in jeopardy.
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Hear the fairytale of when Greg & Kristin got engaged, and eventually married! It’s a sweet story that will make you laugh! We then compare the time spent planning a wedding to how much time we spend planning for our financial future. This husband and wife team enlighten us about how much time we should spend planning for retirement – And most importantly, what should be included.
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One part of financial planning that we rarely talk about is life insurance. Most of your career you’ve likely had it… even if just through your workplace. Or you maybe you had a term policy when you were raising your family? Either way you knew it was there, but probably didn’t know much about it. Now you’re about to enter retirement - or maybe you’re already there. Your employer isn’t paying for it, and you have to decide whether to take out a new policy or retire without one. What’s the right choice? Greg and Kristin breakdown the 4 (often not discussed) reasons you may need life insurance when in or near retirement.
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We’re halfway through 2020 and thankful some normalcy returning in the sports world with a 60-game baseball season! Bobby Bonilla hasn't played MLB in nearly 2 decades, but since 2011 the Mets have been paying him over $1 million a year until 2035, all because he opted to defer his contract buy out. He put off immediate financial gratification and now has plenty of income coming in during his retirement. Greg & Kristin explain how to create your own income plan with the money you’ve worked hard to save and invest… to pay yourself when you stop working!
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Investing based on emotion (be it greed or fear) is the main reason why so many of us buy at market highs and sell at market lows. Greg and Kristin explain why and how you can reasonably remove some of the emotions from your investments, and why that’s especially important when you’re over the age of 55.
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Did you know that healthcare costs and taxes could be some of the biggest threats to your portfolio? You’ll hear a recent real-life reality that impacted someone who fought COVID-19 (and thankfully recovered), that validates what Greg & Kristin have been saying for years: Rising healthcare costs and taxes need to be a vital part of your retirement income plan!
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Did you know that Michigan taxes prepared food but NOT unprepared food? That’s just 1 example of how the government is always looking for new ways to separate us from our money all over the country. Greg & Kristin explain how you can have more control over your taxes in retirement with the RIGHT strategy! Plus, they share a shocking story of a local police officer that feared they may not want to be his financial advisor, because as he said: “I work in the most hated occupation in America.”
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From Boeing to hotels and airlines, the entire travel industry has been hit VERY hard from the pandemic and economic downturn. Unfortunately, this resulted in layoffs and early retirement offers for millions of Americans in various industries. Greg & Kristin discuss how to address tough crossroads such as this, and how to prepare in advance for the “what ifs” of life.
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It’s a natural question those nearing retirement ask: What percentage of our money should we risk in the stock market? Greg explains how to approach this dilemma by telling the story of how he recently helped one man manage his portfolio AND create a plan to accomplish his goal of wrapping up his career by age 70.
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Democrats are pushing another stimulus package – one that would cost another $3 trillion. Yes, a lot of people truly need help. But we’ll eventually have to pay for all this spending… likely in the form of higher taxes later to Uncle Sam. Greg explains how to insulate your portfolio from these future tax hikes. Plus, if you’ve accumulated large IRA’s that you don’t really need – Greg enlightens us as to why you might want to think about converting that IRA to a Roth account.
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We share a personal story of how having the tough talk regarding the legacy of you and your family isn’t nearly as overwhelming as most assume, and why it’s one of the most loving things you can do with your spouse and/or children. And considering all of the volatility we’re seeing on wall street; Greg explains how often we should be checking our investment accounts… Especially if you’re a Baby Boomer!
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One of the most frustrating parts of Social Security is translating the terminology. On this episode we make understanding the phrases we hear most often fun by playing a little game… and a “real life” definition of each. Greg gives an important perspective about YOUR risk tolerance. And you’ll never believe the story Greg tells of how one guy has completely avoided any volatility with his money!
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At just over $2 trillion, the largest stimulus package in U.S. history is circulating into the economy. As we continue to adapt to many changes, Greg explains how we must also brace for changes to our taxes in the future… And how we can be as efficient as possible at the same time. Plus, Greg reminisces about some fun childhood stories with his mom, and how he’s honoring her this Mother’s Day weekend!
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You’re not alone… The financial downturn has many American’s investment accounts down anywhere from 25% to 45%, depending on how you’re invested. If you were hoping to retire in the next 2 years, you’re probably wondering if you need to keep working until the chaos passes. It’s a big question without an easy answer, but Greg explains how he recently walked one couple through it. Plus, if you’re feeling the loss of your sports fix, you’ll enjoy finding out about a new sport you can watch online with the whole family!
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If you’re over 55 and have been laid off or offered an early retirement buyout, you’re faced with some very tough decisions. The hard truth is that your retirement could be much different than you expected, but not necessarily. Before you rush into a decision that will impact you and your family for the rest of your life, listen as Greg explains how to step back and weigh your options.
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This year marks the 50th anniversary the Apollo 13 mission, and the first time we heard of one of the most famous quotes in history: “Houston we have a problem.” People often repeat that quote when dealing with a sudden or dramatic dilemma. Just as the crew of the Apollo 13 mission did, Greg discusses how we need to be calm, responsive, and realistic yet optimistic as our lifestyle and economy changes due to the pandemic… And how to get back on course!
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In celebration of Easter, our latest podcast is a message full of hope for all! After we check in with friends around the country to find out some fun ways they’re spending their time while quarantined… Greg & Kristin share some GOOD NEWS for retirees who are worried that their Social Security benefits might disqualify them from receiving their $1,2000 stimulus check.
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We’ve had enough bad news for a while, so on this episode we’re putting a positive spotlight on every member of the Legacy Retirement Group team! We’ll hear how their “physically distanced working from home” life is going with their families, along with suggestions to help us all stay optimistic at home. Plus, Greg explains the GOOD NEWS about how the stimulus package impacts you. He shares ideas of how to use the money if you don’t need it right now, and the new options that are only available during 2020 for your retirement accounts.
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Wall Street is so erratic that many of us would prefer to keep our distance if we could. Some days many are wondering if they should make big moves such as going to cash. Before you do anything, take a deep breath… and listen to why Greg feels it’s not time to panic… However, it is the perfect time to realize what you can control and be doing NOW to prepare for what’s to come. His approach is to look at the glass as being half full and explains how you can also embrace that mindset with the right planning.
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Greg & Kristin are joined by their Chief Investment Strategist Andrew Tang to share what’s happening with their client’s portfolios, plus some insight that can help all investors. This conversation is a great reminder to NOT sell in fear, and make sure you don’t lose focus on your long-term strategy!
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This past week Wall Street tumbled in reaction to the coronavirus, and the markets responded by halting trades for 15 minutes... Something that hasn’t occurred since 2008! Greg & Kristin explain the impact this volatility has on everyone, but especially those 60 and over… and how the stock market doesn’t have to dictate your happiness in retirement.
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When Wall Street is rattled, it’s normal to feel a little anxious… But that doesn’t mean you should react immediately based on your emotion. Greg & Kristin explain how to approach your 401(k) and other investments during volatile times when you’re over the age of 55.
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A recent Bloomberg report revealed the 50 richest towns in America, and 3 Buckeye State cities made the cut! Since Ohioans have worked very hard to accumulate the wealth they have, Greg and Kristin explain why they’re so passionate about helping those over 55 be as efficient as possible when it comes to taxes and investments.
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Since we aren’t CPA’s (and can find a million other more interesting topics), most of us don’t have much knowledge of tax laws… Especially since they seem to consistently change! On this episode, Greg & Kristin give us a simple explanation of how taxes will impact the future of your investments, and define how the SECURE ACT effects not only your retirement money… But possibly your kids too.
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A while back, Greg & Kristin sat down with country music superstar Kenny Chesney. Not only did they quickly uncover his Ohio State connection, they discussed how he approaches planning his tremendously successful tours, and his interesting perspective on how he is working on tuning out the “noise” in his life to focus on what’s important.
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While embracing the last BIG football weekend for a loooong time, we reminisce about some of the best commercials from the big game over the years. You won’t believe how much they cost! It’s a great example of how as consumers and investors we need to make sure we’re getting the best value for what we buy. Greg & Kristin tell the story of how one family unfortunately found out they were not only paying more in fees than they realized, but the value wasn’t there.
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Are you nervous or excited about retiring? Or do you feel a little of both? There’s no wrong answer. However, when the paycheck stops… we suddenly have a very different view of money. On this episode Greg and Kristin share how to prepare for leaving the workforce, and how it impacts us financial and emotionally.
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Tim Tebow is a two-time college football national champion, first-round NFL draft pick, Heisman trophy winner, professional baseball player and sports commentator. His testimony inspires millions, and that continues with his latest book “This Is The Day.” On this episode Greg & Kristin ask Tim what advice he would give others, especially young people (including their own kids) that aren’t putting true effort into school or sports. Turns out it’s advice we can all take to heart…
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In the last few days of 2019, Congress passed, and President Trump signed the SECURE Act. This new law will inevitably affect most retirement investors in some way. But is this good or bad for your retirement? Greg & Kristin breakdown what the changes in the required minimum distribution (RMD) age and inherited IRAs mean for you!
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You’ll enjoy getting into the Christmas spirit with us by hearing Greg & Kristin’s sons talk about what this season means to them! Plus, an unusual take on one of the items that the wise men brought as a gift for Jesus… and what people are using it for today.
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Most people have a few things they regret, especially when it comes to money. Greg and Kristin address avoiding the heartache of taking too much risk, not maxing out accounts and truly understanding what’s happening with your 401(k). This episode is focused on making sure you’re taking the “right kind” of action to avoid financial regrets.
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On this episode Greg & Kristin embrace the emotions of Christmas past, and take time to discuss what Fox & Friends co-host Brian Kilmeade told us about those who allow politics to dictate their financial decisions.
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As 2019 winds down, many are spending time reflecting on the past year contemplating accomplishments, as well as mistakes. Ideally, we’ve learned lessons from both. Today Greg & Kristin explain how to assess your retirement, and make sure you’re on track to reach your goals for 2020 and beyond!
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If you’re a soon to be or current retiree, this is likely a question you’ve wondered about. Today Greg and Kristin explore one of the BIGGEST lies of wall street: Average rates of return… And how it can negatively impact your retirement.
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Greg & Kristin not only discuss the best s’mores making techniques, but use this classic campfire treat to illustrate how the price we pay for something in the future is going to be drastically higher than the price we’re paying today. Inflation is one of the keys to efficiently managing future expenses, and they talk s’more about it on this episode. Get it… “s’more!”
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It’s a painful reality, but millions of Americans are struggling to care for a spouse, aging parent or family member suffering from serious health issues. Caregiving responsibilities can unfortunately take a toll on the caregivers’ emotions and finances. Greg and Kristin share a real-life example that illustrates why it’s not only important to provide the best care possible for your loved one, but to balance that with taking care of yourself and your financial future.
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General Electric recently announced they’re freezing pensions for some and offering buyouts to many former employees. That’s unfortunately a scary reality check for anyone who’s counting on a pension for their retirement. If you or a loved one have a pension, this episode is for you. Greg & Kristin weigh the pros and cons of taking monthly payments or the choosing the lump-sum option, and what it means for you financial future.
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One of the most important decisions you’ll make when you retire is deciding what order to take money from your various investment accounts. Some experts say those in their 60’s should withdraw money from their IRA first and hold off claiming social security until later. Is that the best way to maximize your money? On this episode, Greg and Kristin go through how to “do the math” to figure out what is optimal for you and your family!
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Right now, many of us are obsessed with fall and the pumpkin spice life that comes along with it! And the news media is absolutely obsessed with the idea that another recession may be on the way. Today, Greg and Kristin explain what all of this chatter truly means for your money, and what you really need to be watching out for concerning your portfolio and the future of your retirement.
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Anytime is the perfect time to review your finances, but fall is great opportunity to take pause and fine-tune your retirement before the busy holiday season distractions arrive. Today Greg and Kristin give you 5 steps to follow to complete your own retirement checkup.
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Winning requires having the right team, game plan and coaching on your side. Greg is joined by one of the key members of his team, his Chief Investment Strategist, to discuss how they’re approaching investing in this current market climate.
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September of 2008 was an especially tumultuous time for investors. Thankfully 11 years later, our portfolios are doing pretty well! But could something like that ever happen again? Greg & Kristin aren’t doomsayers’, but the answer is YES! The bigger question is… how will your portfolio handle the next crash? Today Greg & Kristin explain why it’s vital to make sure your investments are properly diversified. Remember: “Those who do not learn history are doomed to repeat it.”
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Any football fan (especially Buckeye fans) knows that “offense wins games, but defense wins… championships!” Greg and Kristin explain how creating a winning game plan in football is similar to creating a winning retirement income plan: You have to know when to protect your lead, how to adapt to new challenges, and recognize the importance of good coaching when planning for your future.
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Monopoly is a very competitive board game. Almost every family breaks out the box once or twice a year, but it can cause some minor arguments. Then there’s that other family member, “Uncle Sam,” who wants his share from all of us (on & off the Monopoly board). On this episode, Greg & Kristin explore the lessons we can take away from Monopoly and how to help minimize the taxes you pay on your real money!
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Unless you’re a financial advisor, Wall Street isn’t likely your first language. Last week, stocks plunged in reaction to the Federal Reserve cutting interest rates and China letting the Yuan sink to the lowest level in more than a decade. Greg and Kristin simplify why the markets reacted negatively, and how it all impacts your personal investment dollars.
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Some social norms are good to follow such as not talking when you have food in your mouth. Other social norms can be damaging. For instance, it’s a common perception that you should save $1 million before you stop working. Believe it or not, that may not be enough. If you’re over 55, find out why and how you need to defend your portfolio against obstacles such as: Disappearing pensions,inflation, taxes, market volatility and healthcare expenses that can all decrease your portfolio quickly.
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Greg & Kristin’s recent adventure at the Porsche Driving Experience is a vivid reminder of how we feel about risk and worry. Since middle-class Americans are more nervous about a recession now than they were months ago, Greg & Kristin break down how those over 55 can best protect their hard-earned retirement accounts from the risk, worry and “what if’s” of wall street.
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We use bubble wrap to protect fragile items, and occasionally pop for fun! Since analysts are warning that trade tensions could make our investments more fragile than usual, does that mean it’s time to bubble wrap your investment portfolio? Greg and Kristin breakdown how the current headlines are impacting wall street, and why you may want to consider diversifying your portfolio for the long-term.
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What if you could figure out how to strategically boost your chances of winning the lottery? On this episode you’ll find out about a couple who did just that, but more importantly Greg & Kristin will explain how you can improve your odds of succeeding when it comes to creating your own winning retirement!
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The is government changing some of the rules about retirement. Do you know how these adjustments affect you? Greg & Kristin passionately explore the pros and cons of how the SECURE act impacts the middle class. They also delve into what the Securities and Exchange Commission recently approved concerning a new “standard of conduct” for financial advisors, and in particular broker-dealers. This episode will not only empower you to be more informed about your money, but to also make sure you’re confident in who’s giving you financial advice that’s in your best interest!
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We keep hearing about America’s “pension crisis.” Greg and Kristin will break down what this scary headline means for the millions of Americans depending on pensions to fund their future. And if you don’t have a pension, listen to find out how you can create your own pension-like income plan for yourself.
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Greg & Kristen discuss “tuning out the noise” with country music superstar Kenny Chesney, along with how to focus on what really matters. And if you’re thinking about dialing back the risk in your portfolio, you’ll find out why it’s essential that you get unbiased insight and truly “tune out the financial noise.”
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Find out how much risk you can truly afford to take with your investment dollars, and what retirement rules to watch out for. Greg and Kristin will also share the story of a client they were able to recently empower with the knowledge that she’s able to retire earlier than she thought… if she chooses to!
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After Greg & Kristin reveal some tax reduction strategies you may not be aware of, you’ll hear their blood pressure rise while discussing the real-life dilemma some boomer parents face when deciding between having a comfortable retirement, and financially supporting millennial kids. For Greg & Kristin, the choice is easy!
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Inflation, taxes, and healthcare can decrease our portfolio quickly. But Greg & Kristin will explain how market risk is actually the biggest threat to your wealth when you’re over 55. Plus, a funny movie impression (at the expense of Greg) reminds us that $1 million doesn’t go as far as it used to.
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Greg & Kristin share a shocking story of how they uncovered well over 5% in fees a woman was unknowingly paying inside an account with her old advisor, and how you can guard against those high fees and possible future tax bombshells within your own portfolio. Plus, and interesting discussion about how much likeability should impact how you choose the rightfinancial advisor for you.
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A quote from one of the most well-known baseball movies serves as a good reminder of things we think we know, but really don’t. As a result, Greg & Kristin clear up some financial planning myths, and weigh the pros and cons of letting a robo-advisor manage your money.
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When you retire, are you afraid you’ll regret having missed out on some of the important things because you were too focused on work? Greg and Kristin will talk about how you can avoid that dilemma with balance. Plus, many of us are aggressive investors while we’re still working, but then decide to “play it safe” after retirement. Find out if that’s a reasonable strategy for you.
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For some, the word “budget” conjures up negative feelings. Greg & Kristin will tell a story that shows how a budget is often a positive and fun part of planning. You’ll also find out why Greg believes retirement isn’t an age, it’s an opportunity!
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We go to the doctor for a yearly check-up. Find out if we need a “financial check-up” at least once-a-year, and what that should include. Plus Greg & Kristin break down what target-date funds are, and if they’re a good option for you.
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