The Aul Financial Hour: Recent Episodes
Steve Aul
As a baby boomer, retirement planning today is up to you. But you don’t have to go it alone! Steve Aul founded the Aul Financial Group in St. Louis to help people navigate the challenges of retirement. Steve hosts “The Aul Financial Hour” every Saturday on KMOX. If you’re looking for lessons on 401(k)s, minimizing taxes, asset protection and creating lasting income in retirement….this podcast is for you! Find more at www.yourmoneymattersstl.com.
Could the biggest retirement risk be hiding in plain sight, even as markets continue to climb? Steve Aul examines how retiring baby boomers, changing investor behavior, and longer life expectancies are reshaping retirement planning. He discusses market volatility, the importance of balancing growth and income, common misconceptions about the 4% withdrawal rule, and why inflation remains a critical factor in retirement. Steve also explores the real costs of relocating for retirement, including housing, insurance, and taxes, and shares practical considerations for retirees evaluating a move to another state.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
What happens when playing it safe in retirement creates a different kind of risk? Steve Aul explores why moving everything to cash after retirement may not be the best answer, discussing inflation, portfolio growth, protected income strategies, and managing market volatility. He also covers charitable giving opportunities, tax considerations, Social Security timing, healthcare costs in retirement, and the importance of building a personalized retirement plan that balances growth, protection, and income. Whether you're approaching retirement or already there, this episode highlights key financial factors that deserve careful consideration.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Are today’s market headlines driving smart decisions or fueling FOMO? Steve Aul breaks down how investors can separate noise from reality, drawing lessons from former Fed Chair Alan Greenspan’s famous “FedSpeak.” The conversation explores higher interest rates, retirement planning, market risk, the 60/40 portfolio, and the dangers of chasing hot investments. Steve also discusses why a personalized retirement strategy matters more than investment returns alone, and how retirees can evaluate risk, protect gains, and determine when retirement is realistically within reach.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
What’s the bigger retirement risk: a market downturn or running out of income? Steve Aul breaks down key retirement questions, including how to replace a paycheck after leaving work, strategies for creating reliable income, and why Roth accounts and Roth conversions are gaining attention across generations. He also discusses retirement readiness, the emotional side of leaving the workforce, and the challenges of navigating market uncertainty. The conversation focuses on building a retirement plan that aligns with lifestyle goals, tax considerations, and long-term financial needs.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
A simple retirement strategy could trigger unexpected taxes if you miss one critical rule. On this episode, Steve Aul breaks down the realities of backdoor Roth conversions, including the often-overlooked pro rata rule that can create costly tax consequences. He also discusses whether claiming Social Security early and investing the benefits makes sense, how to optimize Social Security decisions for couples, and why longevity, inflation, taxes, market risk, and income planning remain essential pieces of a retirement strategy. Grounded planning, not assumptions, is the theme throughout this conversation.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Could election-year uncertainty and market volatility tempt investors into costly mistakes? Steve Aul discusses why midterm election cycles often create market turbulence, strategies for protecting gains after strong market performance, and how different annuity options may fit specific retirement income needs. He also explains ways to manage concentrated stock positions, avoid fear-driven investing, and reduce risk when too much wealth is tied to a single company. The conversation focuses on income planning, downside protection, and making thoughtful financial decisions during uncertain markets.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Are you saving so much for the future that you’re missing your life today? This episode explores the idea behind “Die With Zero,” highlighting how retirees often prioritize leaving money behind over creating meaningful experiences. Steve Aul discusses balancing wealth with memories, the hidden tax traps of retirement withdrawals like phantom income and IRMAA, and how complex tax rules can quietly erode savings. The conversation also covers portfolio strategy, market rotation, and the importance of non-emotional investing. It’s a look at how financial decisions shape both your lifestyle now and what you leave behind.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Retirement can feel like a race—but without an income plan, it’s easy to lose your pace. This episode explores how aligning your lifestyle with reliable income streams helps reduce uncertainty in the first years of retirement. Steve Aul discusses covering income gaps, balancing withdrawal strategies, and evaluating tools like annuities based on individual needs. The conversation also highlights common pre-retirement missteps, including overly conservative or aggressive investing, and the shift from saving to spending. Understanding income sources, taxes, and risk plays a central role in building a more structured retirement approach.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
What is doing nothing really costing you right now? With market uncertainty, rising costs, and election concerns, many investors feel stuck—but inactivity can carry its own risks. Steve Aul breaks down key decisions around income replacement, managing gains, understanding fees, and navigating Roth IRA choices. He also highlights how tax planning, investment costs, and legacy strategies factor into a broader retirement plan. If you’ve been sitting on the sidelines unsure of your next move, this episode explores the trade-offs of waiting versus taking action in today’s environment.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Is $5,300 a month really enough to fund the retirement lifestyle you want? Steve Aul breaks down why average spending estimates are only a starting point and how real retirement planning hinges on your personal lifestyle, income gaps, and long-term goals. From creating a “personally funded pension” to rethinking the role of 401(k)s, bonds, and traditional strategies, this episode explores practical ways to align income with expenses. The conversation also highlights evolving tax realities, portfolio risks, and how to approach retirement income with more flexibility and awareness.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
What looks like a steady retirement income can quickly turn into a tax headache if you don’t understand how it’s structured. This episode breaks down how annuities are taxed, the differences between pre-tax and after-tax income streams, and why asset placement matters. Steve Aul also challenges outdated financial “rules of thumb,” examines the risk of relying too heavily on cash, and explores strategies for replacing your paycheck in retirement. The conversation highlights planning for taxes, income gaps, and major life events like selling a home or business to avoid unexpected financial surprises.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
What happens to your income—and your taxes—when the paycheck stops in retirement? This episode breaks down how annuities are taxed, why account type matters, and how income streams can help close retirement gaps. Steve Aul explains the impact of pre-tax vs. after-tax dollars, challenges outdated financial rules, and highlights risks of relying too heavily on cash. The conversation also explores tax surprises when selling a home or business, plus key strategies for Social Security timing. It’s a practical look at balancing income, taxes, and long-term planning in today’s retirement landscape.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Annuities might be the most misunderstood word in retirement planning—and that misunderstanding could be costly. On this episode, Steve Aul breaks down why annuities get such a bad reputation, how today’s versions differ from the past, and where they may—or may not—fit into a retirement strategy. The conversation also covers managing emotions near retirement, protecting income during market volatility, and how interest rates influence pensions, CDs, and guaranteed income decisions. It’s a practical look at tools, trade-offs, and timing as retirement gets closer.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
When markets swing and inflation lingers, why do even well‑prepared retirees still feel uneasy? On this episode, Steve Aul discusses how emotional reactions can derail retirement decisions during periods of volatility. The conversation explores common missteps driven by fear, how inflation and healthcare costs factor into long‑term planning, and why understanding risk, income needs, and portfolio alignment matters as retirement approaches. Steve also explains the importance of communication within couples, realistic spending expectations, and how tools like rebalancing can help manage risk amid market uncertainty.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Inflation quietly reshapes retirement long before most people notice the damage. On this episode, Steve Aul breaks down why inflation, taxes, and overlooked planning gaps pose real challenges for retirees. The conversation explores how rising costs erode purchasing power over time, common DIY retirement mistakes, and the disconnect between income, expenses, and long-term lifestyle expectations. Steve also touches on required minimum distributions, tax exposure, healthcare costs, and income strategies retirees are asking about today—highlighting why a coordinated plan matters as retirement landscapes continue to change.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
What happens if the market drops just as you start pulling income from your portfolio? On this episode, Steve Aul breaks down sequence of returns risk and why investing for retirement looks very different from investing during your working years. Steve explains the importance of portfolio diversification, regular risk reviews, and understanding how taxes, Social Security, Medicare, and annuities fit into retirement planning. The conversation also highlights the role of financial literacy, managing debt, and using the right financial tools at the right time to better navigate long-term retirement decisions.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Annuities aren’t the problem—misunderstanding them is. On this episode, Steve Aul breaks down why annuities feel confusing, what most people get wrong before they buy, and how different products serve very different purposes. The conversation expands into long‑term tax strategy, income planning, and why retirement isn’t just about April 15 or claiming Social Security as soon as you can. If you’ve ever wondered whether you can retire, when to do it, or how to avoid costly financial blind spots, this discussion brings clarity to the bigger picture.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Gen X is closer to retirement than many realize—and the doubts are getting louder. On this episode, Steve Aul breaks down why Gen X savers feel behind, how market crashes shaped their mindset, and what really matters when replacing a paycheck in retirement. The conversation spans tax complexity, guaranteed income, spending anxiety, and why confidence—not just account balance—drives retirement comfort. The show also explores financial independence for women and the overlooked role of tax planning in long-term security.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Market drops feel random—until you zoom out and see the pattern. On this episode, Steve Aul breaks down why corrections and bear markets are part of the investing landscape and why fear often does more damage than volatility. The conversation explores risk versus reward, ways people think about protecting retirement assets, and how income, taxes, and annuities fit into replacing a paycheck. Steve also challenges long‑held “rules of thumb” that may no longer hold up in today’s longer retirements and changing tax realities.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Market headlines are loud—but what actually matters when volatility, Social Security questions, and retirement decisions collide? On this episode, Steve Aul breaks down how geopolitical tension can ripple through markets, why Social Security’s future is back in focus, and what it means for retirement income planning. The conversation explores diversification, managing risk after long bull markets, tax considerations inside IRAs and 401(k)s, and ways people think about protecting gains while staying invested—all through the lens of today’s economic uncertainty.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Market swings, million‑dollar milestones, and one decision you only get to make once—this episode covers why timing matters more than headlines. Steve Aul breaks down recent market volatility, and the emotional traps investors fall into, then shifts to the hidden risks of being a “paper millionaire” when taxes turn wealth into income. The conversation also dives into business exit planning and the real-world tradeoffs of claiming Social Security early versus optimizing benefits, especially for married couples. Throughout, the focus stays on perspective, preparation, and decisions that shape long-term income and legacy.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
What keeps people up at night when their entire financial future is on the line? Tracey Richardson, an investment advisor with more than 25 years in financial services, joins the podcast to have real conversations behind retirement planning. From longevity worries and market noise to the importance of feeling heard at the table, Tracey shares how comprehensive planning, empathy, and staying the course shape confident financial decisions—especially in uncertain times.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a and 4p on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
What do Oreo cookies, market pullbacks, and retirement taxes have in common? More than you might expect. On this episode Steve Aul breaks down market volatility warnings, income planning in retirement, and why expectations—whether about investment risk, withdrawal rates, or taxes—don’t always match reality. The conversation explores asset protection strategies, retirement income options, the real cost of taxes on 401(k)s and IRAs, and the decisions retirees face when rolling over employer plans, all with practical perspective and relatable analogies.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a and 4p on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Gold may be soaring, but is it really the safe haven investors hope for? On this episode, Steve Aul breaks down the hype around record‑high gold prices, the realities of gold IRAs, and the hidden risks many retirees overlook. From tax‑rate traps to emotional investing, Steve explores the assumptions that could derail your retirement strategy. They also unpack how economic acceleration, interest‑rate shifts, and the Secure Act are reshaping financial planning. A practical, grounded look at protecting your wealth in uncertain times.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a and 4p on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
When rising costs force tough financial choices, how do you protect your future without sacrificing your present? On this episode, Steve Aul explores why Americans are cutting retirement savings, the real difference between needs and wants, and how spending habits matter as much as account balances. He breaks down the transition from building wealth to using it wisely, the hidden risks in political and market swings, and the crucial choices around Medicare and income planning. A clear, practical conversation for anyone wondering when they can retire—or whether they’ll have enough.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a and 4p on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Retirement might feel predictable—until taxes, income gaps, and Social Security decisions flip the script. On this episode, Steve Aul breaks down why your 401(k) balance isn’t truly yours, how taxes quietly drain retirement savings, and what smart planning can do to protect your future. You’ll hear insights on Roth conversions, the real story behind the 4% rule, Social Security timing, and how to build a “fun bucket” without wrecking your budget. It’s a clear, practical look at making your money last—and work harder—through every phase of retirement.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a and 4p on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
What if the financial “truths” you’ve always believed were actually myths? On this episode, Steve breaks down common misconceptions around taxes, Social Security, RMDs, charitable giving, and retirement income planning. From the real impact of delaying Social Security to smart strategies like Roth conversions, QCDs, and personally funded pensions, you'll hear practical insights that help you think differently about long‑term financial health—without quick fixes or guarantees. A relatable mix of storytelling, strategy, and humor makes this a must‑listen for anyone planning their financial future.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a and 4p on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
What happens when the fear of running out of money collides with the realities of retirement? On this episode, Steve Aul breaks down the psychology of risk, why many retirees hesitate to spend their savings, and how tools like safer assets, income planning, and tax‑smart strategies can bring clarity. From de‑risking after age 50 to navigating RMDs, gifting, and combating “plutophobia,” Steve shares insights to help listeners understand their financial landscape and build confidence in their retirement decisions—without the hype or false promises.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a and 4p on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
A surprising retirement ranking sparks a deeper look into the real issues shaping your financial future. Steve Aul breaks down the truth about relocating in retirement, the often‑misunderstood world of annuities, and why long‑term care planning matters more than most families realize. From common myths—like Medicare being “free”—to real stories of caregiving and the hidden costs behind it, this episode brings clarity to the choices that define a secure retirement. Practical insights, grounded perspectives, and thoughtful planning guidance all come together in this conversation.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a and 4p on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Unexpected retirement realities spark a candid conversation about long‑term care, annuities, and the true cost of financial confidence. On this episode, Steve Aul breaks down four common strategies for covering long‑term care, why many families feel unprepared, and how modern annuities have evolved beyond old misconceptions. From personal stories to practical planning insights, you’ll hear how income stability, legacy considerations, and “personally funded pensions” can reshape retirement for today’s savers.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a and 4p on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Are you ready for the retirement roller coaster? Discover how taxes, market swings, and emotional decisions can make or break your financial future. Steve Aul breaks down the complexities of IRAs, Roths, annuities, and Social Security, revealing strategies to minimize taxes and create reliable income. Learn why rebalancing your portfolio and removing emotion from investing are crucial for lasting success. Whether you’re nearing retirement or already there, this episode arms you with practical insights to help you retire with confidence.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a and 4p on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Are Gen Xers facing a retirement crisis they never saw coming? This episode dives into the unique financial challenges confronting Gen X—insufficient savings, market volatility fears, and the decline of pensions. Steve Aul explores how shifting strategies, understanding taxes, and building guaranteed income streams can help secure your future. Plus, discover why financial independence matters for everyone, and how the right team can make all the difference. Tune in for actionable insights and real-world stories that will change how you think about retirement.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a and 4p on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Are you ready to discover the hidden math behind retirement spending—and why guaranteed income changes everything? This episode explores how pension-like sources impact lifestyle, strategies for replacing your paycheck, and the crucial decisions around Social Security and Roth conversions. Learn why optimizing your income plan and understanding tax implications can make or break your retirement journey. Real stories and actionable insights help you navigate the complexities of financial planning, so you can retire with confidence and clarity.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a and 4p on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Is timing your Social Security the secret to maximizing your retirement income, or could it backfire? This episode dives into the complexities of choosing when to claim Social Security, balancing 401k drawdowns, and navigating market risks. Hear real stories, expert advice, and practical strategies for building a retirement plan that fits your unique financial puzzle—without falling for common mistakes or one-size-fits-all solutions.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a and 4p on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
What do baseball’s biggest contracts have in common with your retirement plan? Discover how Shohei Ohtani’s salary strategies can inspire smarter decisions for your financial future. This episode dives into pension vs. lump sum choices, de-risking investments after 50, and the hidden tax “time bomb” in your retirement accounts. Learn practical ways to protect your income, manage longevity risk, and avoid costly mistakes—plus insights from top experts and real-life stories.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a and 4p on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Is your retirement strategy missing a crucial piece? This episode dives into the real impact of Social Security’s cost-of-living adjustment, rising Medicare premiums, and the gold rush frenzy. Discover why optimizing Social Security, rebalancing your portfolio, and making smart pension choices matter more than ever. Host Steve Aul breaks down the risks and rewards of lump sums versus monthly checks, and how to protect your financial future in a shifting market—without falling for hype or one-size-fits-all advice.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a and 4p on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Are your retirement strategies stuck in the dial-up era? This episode of the Aul Financial Hour Podcast dives into year-end financial moves, tax-saving tactics, and the hidden risks of outdated income plans. Steve Aul shares real stories—from tax time bombs to the importance of beneficiary designations—and reveals why involving both spouses in planning is crucial. Plus, discover how technology and changing laws impact your financial future, and why a second opinion could save your legacy. Tune in for practical advice and eye-opening anecdotes that could reshape your retirement outlook.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Are you just two bad days away from retirement? Discover why financial planning is more than chasing a magic number, and how your lifestyle—not your savings—determines your future. Steve Aul breaks down common myths, shares real-life stories, and explains why a custom plan matters more than market noise. Tune in for practical insights that help you answer the only questions that count: “When can I retire?” and “Will I run out of money?”
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Are you ready for retirement’s biggest surprises? Discover why your spending may spike in your first years out of the workforce, and how to protect your lifestyle with smart income strategies. Steve Aul breaks down the impact of falling interest rates, the pitfalls of “lazy money,” and the real risks of overexposure to tech stocks. Tune in for actionable insights on annuities, pensions, and building a resilient retirement plan.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Are you worried it’ll take a miracle to retire? This episode Steve Aul dives into the real questions Americans face: Will I run out of money? When can I retire? Steve breaks down why your retirement success isn’t just about the size of your nest egg, but how you plan for income, taxes, and Medicare. Discover practical strategies to replace your paycheck, avoid common pitfalls, and build confidence for your financial future—all without empty promises or hype.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Are you unknowingly setting up a tax time bomb for your heirs? In this episode, Steve Aul unpacks the hidden pitfalls of IRA conversions, reveals how to optimize guaranteed retirement income, and challenges conventional financial wisdom. Discover why a balanced approach to taxes, income planning, and financial independence—especially for women—can make all the difference in your retirement journey. Tune in for practical insights and real-life stories that could change how you plan your financial future.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Is your retirement plan built to weather any market storm? On this episode, Steve Aul breaks down the risks of relying on high returns, the complexities of annuities, and the looming impact of the great wealth transfer. Learn how to avoid common mistakes, protect your income, and make smart decisions about inherited IRAs and Roth conversions. Whether you’re nearing retirement or planning for your family’s future, this episode delivers practical insights for lasting financial security.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
What does Warren Buffett’s $344 billion cash stash mean for your retirement strategy? On this episode, Steve Aul explores how to reduce emotional investing, plan for lifetime tax efficiency, and navigate interest rate shifts. From fixed index annuities to personally funded pensions, Steve breaks down tools to secure predictable income and preserve wealth. Plus, hear why retirement is more than numbers—it’s about making memories that last.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Think you need $1.8 million to retire? Think again. On this episode, Steve Aul breaks down the myths around retirement savings and explores practical strategies to replace your paycheck in retirement. From annuities to market timing missteps, Steve shares real stories and insights to help listeners navigate financial planning with confidence. Plus, a deep dive into MarketGuard’s unemotional investment approach and the truth about annuity fees—what you need to know before committing.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
What if your retirement income could actually encourage you to spend more confidently? In this episode, Steve Aul breaks down how pension-like income impacts spending habits and explores strategies to replace your paycheck in retirement. From Roth conversions and Social Security optimization to tax-efficient estate planning, Steve shares practical insights to help you navigate financial decisions with clarity. Plus, a nostalgic detour into the evolution of cell phones and how simplicity still matters in financial planning.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Is the market too hot to handle—or just due for a healthy reset? In this episode, Steve Aul breaks down what record market highs mean for your retirement strategy. From the risks of sequence of returns to the myths around million-dollar nest eggs, Steve explains why income planning and lifestyle matter more than big numbers. Plus, hear why relying on influencers or default 401(k) settings could derail your future. It’s not about timing the market—it’s about knowing your plan.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
What do Wile E. Coyote and your retirement plan have in common? In this episode, Steve Aul draws parallels between cartoon cliffhangers and market volatility, urging listeners to rethink risk and diversification. From the dominance of the “Magnificent Seven” stocks to the hidden tax traps in Social Security and required minimum distributions, Steve breaks down the financial surprises that could derail your retirement. Plus, heartfelt stories about grandkids, endurance events, and road trip chaos add warmth and humor to this insightful financial hour.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
On this episode of the Aul Financial Hour Podcast, Steve discusses the implications of the new tax law signed by Trump, focusing on how it affects tax planning and retirement strategies. The conversation delves into the complexities of Roth conversions, investment strategies in a volatile market, and the impact of interest rates on annuities. Steve emphasizes the importance of tailored financial planning and the need for individuals to understand their unique financial situations.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
On this episode of the Aul Financial Hour Podcast, Steve discusses the complexities of The Big Beautiful Bill and its implications for retirement planning. He emphasizes the importance of long-term financial strategies amidst market volatility and uncertainty. The conversation also covers tax strategies for retirement savings, highlighting the risks associated with traditional retirement accounts. Steve encourages listeners to start planning for retirement early and to seek advice to navigate the changing financial landscape.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
On this episode of the Aul Financial Hour Podcast, Steve discusses critical financial topics including Social Security optimization, the impact of Federal Reserve policies on retirement planning, and strategies for maximizing Roth IRA benefits. He emphasizes the importance of having a comprehensive financial plan to navigate economic uncertainties and make informed decisions about retirement savings and income streams.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Steve Aul of Aul Financial Group comments on one analyst's thoughts about the market rallying and compares the idea of buying the rallying stocks and protecting against future downsides. Steve discusses Market Guard’s non-emotional, methodical, and mathematical approach to the stock market and how it can be tailored to fit a specific retirement plan. And Steve discusses how small business owners can fund their retirement and why they should not rely solely on selling their business to do so.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Join the Aul Financial Group team for “Taxes in Retirement” office presentation on June 24th. Learn more about it here.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
On this episode of the Aul Financial Hour Podcast, Steve discusses the importance of preparing for financial uncertainties, particularly in retirement. He emphasizes the need for early planning, understanding tax implications, and managing retirement accounts effectively. The conversation covers strategies for weatherproofing retirement against market fluctuations, the significance of tax strategies, and the options available for managing old 401(k) accounts. Steve encourages listeners to take proactive steps in their financial planning to ensure a secure retirement.
Schedule a quick 15-minute call with Aul Financial today to discuss your questions about today's market!
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Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
On this episode of the Aul Financial Hour Podcast, Steve discusses the current state of the market, emphasizing the uncertainty surrounding future trends and the importance of a comprehensive retirement plan. He highlights the need for effective tax strategies, income generation plans, and the common misconceptions surrounding retirement, such as the belief that individuals will be in a lower tax bracket. Additionally, he delves into the role of annuities in retirement planning, addressing misconceptions and the importance of understanding different types of annuities.
Schedule a quick 15-minute call with Aul Financial today to discuss your questions about today's market!
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Join the Aul Financial Group team for “Taxes in Retirement” dinner seminars and learn from Steve and the team about how tax laws change and how to plan for that. Call 636-230-8824 to find out if this is a fit for you and to reserve your spot for the dinner seminars here and office presentation here. These take place June 12th and 24th.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
On this episode Steve discusses the importance of annuities in retirement planning, particularly in relation to longevity risk. He explains the different types of annuities and their roles in providing guaranteed income. The conversation then shifts to the impact of interest rates on retirement income strategies, emphasizing the need for individuals nearing retirement to reassess their options. Finally, the discussion covers social security optimization, highlighting the significance of survivor benefits and the advantages of delaying social security claims.
Schedule a quick 15-minute call with Aul Financial today to discuss your questions about today's market!
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Join the Aul Financial Group team for “Taxes in Retirement” dinner seminars and learn from Steve and the team about how tax laws change and how to plan for that. Call 636-230-8824 to find out if this is a fit for you and to reserve your spot for the dinner seminars here and office presentation here. These take place June 10th, 12th, and 24th.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
On this episode of The Aul Financial Hour podcast, Steve discusses common investment mistakes, the importance of portfolio analysis, and the evolving landscape of annuities and income strategies. He emphasizes the need for a thorough understanding of Social Security optimization and the value of financial advisory fees, encouraging listeners to evaluate their financial strategies and seek professional guidance.
Schedule a quick 15-minute call with Aul Financial today to discuss your questions about today's market!
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Join the Aul Financial Group team for “Taxes in Retirement” dinner seminars and learn from Steve and the team about how tax laws change and how to plan for that. Call 636-230-8824 to find out if this is a fit for you and to reserve your spot for the dinner seminars here and office presentation here. These take place June 10th, 12th, and 24th.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
Steve Aul discusses the trickiness and benefits of Roth conversions. Steve explains how people can do these conversions wrong and why they are not for everyone. Steve also backs up Warren Buffett’s take on market volatility and shares how emotions can really get people off track in their investment decisions.
Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here.
Join the Aul Financial Group team for “Taxes in Retirement” dinner seminars and learn from Steve and the team about how tax laws change and how to plan for that. Call 636-230-8824 to find out if this is a fit for you and to reserve your spot for the dinner seminars here and office presentation here. These take place June 10th, 12th, and 24th.
Hear the “The Aul Financial Hour” every Saturday at 10a and Sunday at 6p on KMOX News Radio 1120 and Saturdays at 6a on 97.1 FM Talk in St. Louis. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ .
See omnystudio.com/listener for privacy information.
In this episode Steve discusses various topics related to retirement planning, investment strategies, and the impact of market volatility on financial decisions. He shares personal anecdotes about his recent activities and emphasizes the importance of strategic financial planning, particularly regarding IRA conversions and the use of robo-advisors versus human advisors. The conversation also touches on the influence of financial news on public perception and decision-making.
Schedule a quick 15-minute call with Aul Financial today to discuss your questions about today's market!
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In this episode Steve discusses the prevalent fear of financial insecurity in retirement, emphasizing the importance of having a comprehensive retirement plan. He addresses common concerns such as market volatility, hidden fees in retirement accounts, and the necessity of income planning. The conversation also touches on the implications of relocating for retirement and the potential benefits and drawbacks of moving to tax-friendly states. Overall, the episode provides valuable insights into effective retirement strategies and planning for financial security.
Schedule a quick 15-minute call with Aul Financial today to discuss your questions about today's market!
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In this episode Steve discusses various aspects of financial planning, particularly focusing on retirement strategies. He emphasizes the importance of understanding annuities, creating a comprehensive financial plan, and avoiding common retirement mistakes. The conversation also touches on the evolution of retirement planning and the significance of adapting to modern financial tools and strategies.
Schedule a quick 15-minute call with Aul Financial today to discuss your questions about today's market!
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In this episode of the Aul Financial Hour Podcast, Steve discusses the importance of financial planning, particularly as baby boomers approach retirement. He explains the different types of annuities and their benefits, emphasizing the need for a comprehensive retirement plan that includes tax strategies, income generation, and legacy planning. The conversation also touches on common regrets people have regarding their financial decisions, such as not starting to save early enough or underestimating medical expenses. Steve highlights the evolving landscape of retirement planning and the importance of adapting strategies to meet modern challenges.
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In this episode of the Aul Financial Hour Podcast, Steve discusses the implications of recent job cuts for federal employees and the importance of retirement planning. He emphasizes the need to assess lifestyle expenses and budgeting strategies, especially in light of potential job loss. The conversation also covers the impact of windfalls, inheritance, and the tax implications associated with them. Additionally, Steve highlights the significance of understanding personal retirement goals and managing the fear of missing out (FOMO) in financial decisions.
Schedule a quick 15-minute call with Aul Financial today to discuss your questions about today's market!
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In this episode of The Aul Financial Hour Podcast, Steve discusses the importance of financial planning, particularly focusing on retirement strategies. He emphasizes the need to enjoy family time while also planning for the future. The conversation covers various aspects of retirement planning, including the significance of understanding annuities, the current retirement crisis characterized by debt and inflation, and practical strategies for securing a stable financial future. Steve also shares insights on how to manage income streams and the potential changes to Social Security.
Schedule a quick 15-minute call with Aul Financial today to discuss your questions about today's market!
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In this episode of the Aul Financial Hour Podcast, Steve discusses personal experiences with family, the realities of retirement savings, the future of Social Security, and market corrections. He emphasizes the importance of understanding retirement planning beyond just hitting a magic number and addresses the sustainability of Social Security in light of current economic trends. The conversation also touches on investment strategies during market fluctuations and the need for comprehensive financial planning.
Schedule a quick 15-minute call with Aul Financial today to discuss your questions about today's market!
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In this episode Steve discusses the current state of market volatility and its impact on financial planning. He emphasizes the importance of long-term strategies over emotional decision-making during turbulent times. The conversation covers various aspects of retirement planning, including income strategies, market dynamics, and the significance of legacy planning to avoid common pitfalls. Steve provides insights into how to create a balanced portfolio and the necessity of having a comprehensive financial plan that can withstand market fluctuations.
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In this episode Steve discusses the current state of cash reserves among investors, particularly considering Warren Buffett's significant cash holdings. The conversation explores various investment strategies for those holding cash, the importance of rebalancing portfolios in anticipation of market corrections, and the pros and cons of target date funds. Additionally, the episode delves into the tax implications of retirement savings and the potential for passing on tax burdens to heirs.
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Steve discusses the importance of long-term planning for retirement, emphasizing that it is a marathon rather than a sprint. He highlights the significance of starting early, understanding tax implications, and utilizing Roth conversions to maximize savings. The conversation also covers the balance between spending and saving during retirement, the rising popularity of annuities, and the need for a comprehensive financial plan that addresses income generation, tax strategies, and risk management.
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Steve discusses the implications of tariffs and inflation on retirement savings with economist Preston Caldwell. They explore strategies for inflation-proofing retirement, the importance of understanding risk tolerance, and the financial habits that can lead to a successful retirement. The conversation also touches on investment strategies, including the benefits of ETFs and the risks associated with individual stock tips.
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In this episode Steve discusses the complexities of annuities, the importance of financial planning for long-term care, and debunks common retirement myths. He highlights the current retirement crisis, emphasizing the issues of debt, inflation, and the lack of guaranteed income. Steve provides practical strategies for securing a stable retirement, including the use of annuities and the importance of managing debt effectively.
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Steve discusses the critical aspects of long-term care planning and financial strategies for retirement with online influencer Bill Sturzenbaum. They explore various options for funding long-term care, the importance of comprehensive financial planning, and the role of annuities in creating a sustainable income stream for retirement. The conversation emphasizes the need for proactive planning to avoid financial pitfalls, especially in the context of rising healthcare costs and the unique challenges faced by retirees.
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Steve discusses the current state of the stock market and its implications for investors, particularly in light of President Trump's return to the White House. The conversation covers various investment strategies, the importance of understanding risk, and the nuances of Roth conversions and annuities in retirement planning. Listeners gain insights into how to navigate the complexities of financial decisions in a changing economic landscape.
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In this episode of the Aul Financial Hour, Steve discusses the implications of the Trump tax cuts, strategies for tax efficiency in retirement, the role of annuities in guaranteed income, and the importance of preparing for retirement. The conversation also touches on the evolving landscape of cryptocurrency investments and their place in modern portfolios.
Schedule a quick 15-minute call with Aul Financial today to discuss your questions about today's market!
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In this episode, Steve discusses various aspects of financial planning, including the impact of political changes on investments, considerations for relocating during retirement, the complexities of annuities, and the importance of planning for long-term care. He also addresses common retirement myths that can mislead individuals in their financial decisions. The conversation is enriched with personal anecdotes and practical advice for listeners navigating their financial futures.
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In this episode Steve discusses the importance of financial resolutions as the new year begins, reflecting on family traditions during the holidays. He emphasizes the significance of setting retirement goals and understanding one's readiness for retirement. The conversation delves into the current retirement crisis, highlighting key issues such as debt, inflation, and the future of Social Security. Steve offers practical strategies for achieving a secure retirement, including the 80-10-10 rule and the importance of guaranteed income.
Schedule a quick 15-minute call with Aul Financial today to discuss your questions about today's market!
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Steve discusses various financial topics including market volatility, the importance of protecting gains in 401k accounts, understanding different types of annuities, and strategies for optimizing Social Security benefits. The conversation emphasizes the need for personalized financial advice and the importance of understanding one's financial situation to make informed decisions about retirement planning.
Schedule a quick 15-minute call with Aul Financial today to discuss your questions about today's market!
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In this episode, Steve discusses the varying predictions for the stock market in 2025 and how individuals preparing for retirement can navigate these differing viewpoints. He emphasizes the importance of a methodical investment philosophy that prioritizes need over greed, utilizing tools like Market Guard to manage risk and optimize returns. Steve highlights the importance of year-end financial reviews and tax strategies to ensure clients are prepared for the upcoming year.
Schedule a quick 15-minute call with Aul Financial today to discuss your questions about today's market!
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In this episode Steve discusses various financial strategies, focusing on tax implications, retirement planning, market dynamics, and the emotional aspects of financial decision-making. He emphasizes the importance of Roth conversions, the need for income and protection in retirement, and the necessity of addressing Social Security issues. The conversation also touches on market corrections and the importance of a balanced investment strategy.
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Steve discusses the current state of the stock market following the recent election results, emphasizing the potential for continued growth due to anticipated tax cuts and deregulation. He highlights the importance of being prepared for market corrections and the role of financial advisors in helping clients navigate emotional decisions regarding investments. The conversation also covers new opportunities for catch-up contributions to retirement accounts, the implications of the Secure Act on estate planning, and the critical need for strategic tax planning to optimize retirement income and Social Security benefits.
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In this episode, Steve discusses the evolution of retirement planning, focusing on the decline of pensions and the rise of personal pensions. He emphasizes the importance of income generation in retirement and explores the implications of tax planning, market dynamics, and social security optimization.
Schedule a quick 15-minute call with Aul Financial today to discuss your questions about today's market!
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In this episode of Steve discusses the contrasting economic predictions for the U.S., with some experts forecasting a booming economy reminiscent of the 1920s, while others predict a recession. He emphasizes the importance of having a solid investment plan, especially during uncertain times like elections. The conversation also covers strategies for managing 401k plans, the significance of tax loss harvesting, and the psychological aspects of investing.
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In this episode, Steve discusses the impact of the upcoming election on financial planning, emphasizing the importance of staying focused on long-term investment strategies despite market volatility. He also delves into retirement withdrawal strategies, the significance of Social Security optimization, and addresses common misconceptions about annuities, providing listeners with actionable insights for their financial futures.
Schedule a quick 15-minute call with Aul Financial today to discuss your questions about today's market!
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In this episode, Steve discusses various aspects of retirement planning, including personal goals, the importance of having a comprehensive income plan, and the impact of the Federal Reserve on financial strategies. He emphasizes the necessity of understanding Social Security and Medicare, and how these elements play a crucial role in retirement. The conversation also touches on charitable giving and personal endurance goals, showcasing a holistic approach to financial well-being.
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In this episode, Steve discusses the impact of inflation on retirement planning, strategies to safeguard retirement income, and the importance of understanding Medicare options. He emphasizes the need for comprehensive retirement planning, including analyzing income streams, managing debt, and preparing for healthcare costs. The conversation also highlights the significance of setting clear retirement goals and the role of financial advisors in guiding individuals through the complexities of retirement planning.
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In todays episode, Steve discusses the intricacies of retirement planning, emphasizing the importance of income, risk management, and navigating Medicare. He shares insights on realistic expectations for investment returns and the significance of comprehensive retirement planning to ensure financial security in retirement.
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In this episode, Steve shares his exhilarating experience at the Big Machine Music City Grand Prix, highlighting his interactions with famous race car drivers. Then, the conversation shifts to the importance of understanding 401(k) plans and the need for additional income streams in retirement. Steve discusses risk management in retirement planning, comparing it to poker, and emphasizes the significance of making informed investment decisions. Finally, he delves into Social Security optimization strategies, offering insights on how to maximize benefits for a secure retirement.
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Steve emphasizes the importance of coaching, community support, and mental preparation in overcoming obstacles. The conversation transitions into discussing the fears surrounding retirement, the misconceptions people have, and the essential steps to ensure a successful retirement. Steve provides insights into the retirement planning process, addressing common concerns and the significance of having a comprehensive plan in place.
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The importance of analyzing income sources and expenses in retirement, the potential impact of interest rate cuts on the stock market, the need for a diversified investment strategy, and the considerations for claiming Social Security benefits. The conversation also highlights the role of insurance products in protecting assets and providing income in retirement.
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In todays episode, Steve discusses the importance of having a financial advisor to help with retirement planning and managing finances. He also provides insights on how to prepare for a recession and offers advice on building cash reserves, paying off high-interest debt, and rebalancing investments. Steve emphasizes the need for a comprehensive retirement plan that includes considerations for income, taxes, Social Security, estate planning, and investment risk. Steve also discusses different strategies for replacing a paycheck in retirement and provides options for managing 401(k) accounts. Overall, the conversation highlights the importance of financial planning and making informed decisions to secure a comfortable retirement.
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The conversation discusses the recent volatility in the stock market and offers advice on how to navigate it. It emphasizes the importance of not panicking and staying calm. Steve also touches on retirement planning, including factors to consider when deciding when to retire and when to start taking Social Security benefits. It concludes with a discussion on tax law changes and the importance of reducing or eliminating taxes in retirement.
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Episode Takeaways:
- Market volatility is often a result of uncertainty, and it's important to assess the level of risk one is comfortable with as an investor.
- Income planning is crucial in retirement, and annuities can provide a structured way to generate guaranteed income.
- There are different types of annuities, including single premium immediate annuities, fixed annuities, variable annuities, and fixed indexed annuities, each with its own features and benefits.
- A comprehensive financial plan should consider income planning, risk assessment, legacy planning, and tax implications.
- Working with a financial advisor can help individuals navigate the complexities of retirement planning and make informed financial decisions.
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Steve talks about the future of Social Security and the need to make decisions to protect retirement income regardless of political changes. He also discusses the possibility of a stock market pullback before the election and the importance of using a methodical and non-emotional approach to investment decisions. Steve advises on Roth conversions and the potential benefits of tax planning for those with large IRA or 401k assets.
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The conversation covers various topics related to retirement planning and financial management. The main themes include the importance of a comprehensive retirement plan, the impact of taxes on retirement income, strategies for managing investments, and overcoming the fear of running out of money in retirement. The conversation also touches on the complexity of the tax system and the need for tax planning. Overall, the conversation emphasizes the need for a holistic approach to retirement planning that considers income, investments, taxes, and estate planning.
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Takeaways from today's episode:
- Higher interest rates can have long-term effects on the economy and may lead to a recession.
- Market timing is difficult and it's better to have a solid investment plan.
- Annuities can provide guaranteed income and protected growth in retirement.
- Tax planning is crucial in retirement to reduce income taxes and avoid potential tax time bombs.
- Having a good financial advisor can help navigate these complex topics and make informed decisions.
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Learn how even top investment firms like BlackRock and Goldman Sachs face challenges and why a well-balanced portfolio is essential for your retirement. Steve shares insights on Market Guard's proprietary investment methodology, which combines non-emotional, methodical, and mathematical approaches to help you navigate market uncertainties. Discover how to make informed decisions about your investments, understand the benefits and drawbacks of annuities, and explore strategies to guarantee your retirement income.
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- Retirement is a journey that requires guidance and planning.
- Interest rates play a significant role in financial decisions, such as buying a car or choosing between a lump sum and a pension.
- Market volatility is expected, especially during a presidential election year.
- Having a non-emotional, methodical, and mathematical approach to investing can help navigate market fluctuations.
- Starting to save for retirement early and consistently is crucial for long-term financial security.
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The conversation covers various financial topics including Roth conversions, tax analysis, market timing, Social Security, and annuities. Steve discusses the benefits of Roth conversions and how Congress views them as a revenue source, the importance of tax analysis and the impact of charitable distributions on taxes.
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In this podcast episode, Steve breaks down the concept of the Dow Jones Industrial Average and its implications for 401k investments. He emphasizes the importance of aligning expectations with investment strategies and timeframes. The conversation then shifts to annuities, addressing common misconceptions and highlighting their potential benefits. Steve discusses the selling of company stock by wealthy individuals and the considerations for diversifying holdings. Lastly, the importance of starting early and consistently saving for retirement is emphasized, along with the need for comprehensive retirement planning.
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In this podcast episode, Steve breaks down the concept of the Dow Jones Industrial Average and its implications for 401k investments. He emphasizes the importance of aligning expectations with investment strategies and timeframes. The conversation then shifts to annuities, addressing common misconceptions and highlighting their potential benefits.
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Research shows that many caregivers, often tending to aging parents, are forced to reduce their work hours or leave their jobs entirely. This episode delves into the financial implications of caregiving, such as the average annual out-of-pocket costs of $7,200, and offers practical strategies to help ensure your retirement planning stays on track despite these challenges.
Steve shares his personal experiences and insights into long-term care planning, discussing various financial tools and strategies that can help mitigate the costs associated with caregiving and long-term care. From understanding ways to leverage annuities and life insurance for long-term care to navigating the complexities of claiming Social Security and estate planning, this episode is packed with experienced professional advice to help you preserve your financial future.
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Steve dives into the disconnect many Americans aged 50 and older may face regarding retirement planning. Discover why confidence in retirement could be low and the critical role a financial professional can play in helping achieve retirement readiness. Steve shares real-life examples, including a surprising case of a doctor with $2.7 million who couldn't retire and a couple with modest savings who could.
Learn about the different types of annuities, their pros and cons, and potential ways they can fit into your financial plan. Steve addresses common misconceptions and provides valuable insights on optimizing Social Security, tax strategies, and legacy planning.
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Discover how you can detect and manage these fees to optimize your retirement savings. Steve also shares insights on retirement income planning, the impact of inflation, and essential strategies for ensuring a stable financial future. Tune in to learn about Social Security concerns, tax diversification, and creating multiple income streams to secure your retirement.
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Economist Mohamed El-Erian shares insights on CNBC about the Fed's potential rate cuts and what it means for your financial future. Steve breaks down how higher interest rates affect different aspects of retirement, from home buying to annuities.
Learn why having the right legal documents is essential and how to avoid common pitfalls. Steve provides practical advice on tax planning and optimizing your Social Security benefits, emphasizing the importance of starting your retirement planning early.
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The conversation discusses various topics related to financial planning and retirement. It starts with a discussion on investment fees and the importance of understanding the fees associated with different investment options. The conversation then moves on to the topic of making large purchases in retirement and the different sources of funds that can be used.
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Takeaways from todays episode:
- Inflation and interest rates can have a significant impact on the economy and individuals' finances.
- Optimizing Social Security benefits is crucial for maximizing retirement income.
- Retirement planning should consider unexpected costs, such as long-term care and home repairs.
- Tax planning is essential to reduce or eliminate taxes in retirement.
- Insurance products can provide asset protection and income guarantees in retirement.
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In this episode, Steve discusses some of the common mistakes of fixating on a single retirement savings number and offers potential insights into more effective planning strategies. With a focus on compound interest and starting early, Steve breaks down the power of consistent savings and the impact it can have on your retirement nest egg.
Additionally, the episode explores the often-misunderstood world of annuities. Steve debunks myths surrounding annuities and explains the different types available, emphasizing the importance of choosing the right tool for your financial goals. From fixed annuities to indexed annuities, listeners could gain valuable knowledge about the potential ways annuities can play a role in helping secure guaranteed income for retirement.
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Are you worried about a recession or excited about a bull market? On this episode Steve cuts through the noise and discusses navigating the current market, Social Security optimization, and the key questions to ask when choosing a financial advisor. You'll also learn ways to help avoid costly mistakes when rolling over your 401k!
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Learn why delaying Social Security could lead to significant increases in your benefits and discover strategies to help make the most out of your retirement planning. Steve provides valuable advice on spousal benefits and explains ways to navigate the complexities of Social Security optimization.
In addition, delve into the fascinating world of financial social media as Steve discusses the implications of sharing personal information online. From initial meetings with financial advisors to comprehensive retirement planning, Steve offers experienced guidance to help you achieve financial confidence and obtain your retirement goals.
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In this episode, we delve into two critical topics: Social Security and airline passenger rules.
Did you know that a recent poll revealed shocking statistics about Social Security knowledge among near retirees? With 41% failing a basic Social Security quiz, it's evident that understanding this crucial retirement benefit is more important than ever. Join us as we uncover the fundamental facts about Social Security and explore strategies for optimizing your benefits. From knowing the optimal age to claim benefits to understanding survivor benefits and tax implications, we provide actionable insights to help you make informed decisions about your retirement future.
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In this episode, Steve explores the critical topics of long-term care expenses and protecting investments amidst market volatility. Discover the staggering variations in long-term care costs across different states and gain insights into why planning for this inevitable expense is vital. Steve shares personal experiences that led him to prioritize long-term care planning, emphasizing the importance of building comprehensive strategies rather than relying solely on traditional insurance products.
Learn about alternative solutions for long-term care, including annuities with chronic illness riders and indexed universal life policies, tailored to provide both protection and potential growth. Steve highlights the significance of aligning investment strategies with individual needs and risk tolerance, especially for those nearing retirement. Understand the implications of market downturns on retirement portfolios and explore proactive measures to mitigate risks while aiming for steady growth.
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Today's big question revolves around the essential document many overlook come April 15th. In a comical yet cautionary tale, we explore the consequences of neglecting tax returns, as hilariously illustrated by a segment from Judge Judy.
But beyond the annual chore of filing taxes lies a deeper concern: minimizing tax bills in retirement. Join Steve as he delves into the intricacies of tax planning, drawing from his extensive experience in the accounting world. Steve challenges the conventional wisdom of deferring taxes, highlighting the potential pitfalls of overlooking long-term tax implications.
From the tax-deferred promises of IRAs and 401(k)s to the looming threat of future tax hikes, Steve offers valuable insights into the evolving landscape of taxation. He emphasizes the importance of proactive tax strategies, such as Roth conversions, particularly in today's historically low tax environment.
Moreover, for business owners and individuals with substantial capital gains, Steve explores innovative tax strategies to mitigate tax burdens effectively.
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With over 12,000 individuals reaching the age of 65 daily, the landscape of retirement is rapidly evolving. In this episode, Steve sheds light on the nuances of Medicare enrollment, offering invaluable insights into navigating the complexities of healthcare coverage during retirement.
Steve's expertise extends beyond retirement age demographics to encompass portfolio rebalancing strategies. Addressing common misconceptions surrounding 401(k) plans and IRA rollovers, Steve provides clarity on tax implications and investment diversification. By exploring alternative investment options and personalized risk assessments, Steve empowers listeners to optimize their retirement savings and mitigate financial risks.
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Drawing from a powerful anecdote and insights from financial services, Steve emphasizes the necessity of legal documents like wills, trusts, and powers of attorney to ensure your wishes are honored and your loved ones are spared from potential legal turmoil.
Additionally, the episode explores Kevin O'Leary's bold assertion that $5 million is the magic number for retirement, prompting a discussion on income planning, tax strategies, and the importance of tailored financial plans.
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Steve delves into the startling statistics revealing the impact of divorce on wealth and standard of living, particularly in what experts term "Gray divorce." Through real-life scenarios like Sally's unexpected divorce, Steve highlights the emotional turmoil and financial complexities that accompany such life-changing events.
From asset division dilemmas to the intricacies of retirement income planning post-divorce, Steve provides invaluable insights and practical strategies. He emphasizes the importance of seeking professional guidance to ensure fair asset allocation and long-term financial security during this challenging period.
Furthermore, Steve discusses essential considerations in retirement planning, including Social Security optimization, legacy planning, and tax-efficient strategies. He addresses common concerns such as retirement income sustainability and the potential impact of future tax scenarios.
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Join Steve as he navigates the complexities of long-term care planning, drawing from personal experiences and industry experience to offer actionable insights and potential solutions. From the sobering reality of out-of-pocket caregiving costs to the importance of comprehensive planning, Steve addresses common misconceptions and helps empower listeners to take proactive steps towards financial security.
Delving into topics such as traditional long-term care insurance, alternative coverage options, and the impact of inflation on retirement expenses, Steve provides practical guidance to help listeners preserve their financial future.
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Join Steve as he discusses the remarkable story of Magic Johnson, whose diverse investments catapulted his wealth far beyond his earnings from basketball. Discover practical strategies for replacing your paycheck in retirement, even if you don't have Magic Johnson's financial resources. Steve shares real-life examples and explains three key approaches to bridging the income gap during retirement, including utilizing the 4% rule, building a dividend or bond portfolio, and leveraging fixed indexed annuities with income riders.
As concerns about market volatility loom, Steve addresses the predictions of economist Harry Dent regarding a potential market crash. Gain insights into the risks and rewards of market timing and learn why building a well-balanced investment portfolio is crucial for long-term financial success.
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Inspired by insights from the real-life "Wolf on Wall Street," Jordan Belfort, Steve and his co-host dive into the challenges of trading on financial news predictions. Discover the pitfalls of relying on market forecasts and the importance of a comprehensive financial plan. The hosts share anecdotes from the past, highlighting the dangers of blindly following stock tips.
Is your 401K enough for a secure retirement? Steve breaks down the limitations of contribution levels, fees, and taxes associated with 401Ks. Learn how to make your 401K work smarter and harder for you, considering factors like optimizing Social Security, tax strategies, and estate planning.
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Contrary to the assumption of a comfortable retirement, a recent study reveals that fewer than half of Americans aged 65 to 74 have saved enough. Steve discusses the potential burden on the children when long-term care needs arise and explores strategies to make the right adjustments before it's too late. Discover the often overlooked aspect of long-term care planning and the various options, including insurance products with chronic illness riders.
Then, Steve addresses the looming tax time bombs, especially as the Trump tax cuts are set to expire in two years. With insights into the changing tax landscape and the impact on inherited IRAs, Steve emphasizes the importance of tax planning to prevent passing on a substantial tax burden to the next generation. Learn how reducing or eliminating taxes can contribute to a successful retirement return. Don't let your hard-earned money become a financial burden for your loved ones.
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Join Steve All on the All Financial Hour podcast as he delves into the potential expiration of the Trump tax cuts in 2024. With uncertainty looming, Steve discusses the impact on individual tax rates, standard deductions, and estate tax exemptions.
Learn about the possible changes and how it may affect your financial landscape. Steve explores proactive strategies, including Roth conversions, to mitigate legislative risks and optimize your tax situation. In the second part of the episode, Steve addresses a listener's query about generating passive income from a $1 million investment. He emphasizes the importance of a personalized financial plan, considering factors like tax implications, lifestyle needs, and legacy planning.
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In this episode, Steve dives into the common myths surrounding retirement, challenging conventional financial wisdom. Is the belief that retirees will be in a lower tax bracket a myth? Forbes suggests it might be, and Steve shares insights into tax considerations in retirement planning. Plus, the hosts discuss the fascinating retirement plans of legendary filmmaker Tyler Perry and his creative approach to winding down.
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The episode unfolds the origins of target date funds, born out of the overwhelming choices investors faced in the late '90s. Steve sheds light on the limitations of these funds, emphasizing their focus solely on retirement date without considering individual risk tolerance, additional assets, or other crucial factors.
Learn about the impact of market crashes on investment strategies and why target date funds gained popularity despite their drawbacks. As the discussion turns to the pivotal age of 59 1/2, Steve explores the option to move funds out of a 401K into an IRA for more diverse investment opportunities.
Discover the benefits of seeking professional advice to analyze your 401K, understand costs, and explore alternative investment options. Steve emphasizes the importance of maximizing returns with minimal risk in your retirement journey, making every effort to ensure your financial well-being.
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In this episode, Steve reflects on the importance of estate planning, emphasizing the need to align financial goals with individual values. From considerations of tax efficiency to leaving a lasting legacy, the hosts delve into the various aspects of estate planning, including wills, trusts, and the vital role of powers of attorney.
The episode challenges listeners to think beyond the dollars and cents, encouraging them to create meaningful memories for their families. Steve shares personal experiences, emphasizing the significance of family vacations and the lasting impact they can have on generations.
Tune in for expert insights on estate planning, including the importance of having the right legal documents in place, such as powers of attorney.
For those considering their own legacy, call Steve today for your complimentary Legacy Plan!
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In this episode, Steve delves into the increasingly popular topic of 401K rollovers. A recent study reveals a surge of interest, with a projected 760 billion dollars in rollovers this year alone. Join Steve as he breaks down the intricacies of rollovers and how they can play a crucial role in your retirement planning.
Discover four options available when dealing with a 401K. Steve sheds light on leaving it with the current employer, moving it to a new employer, rolling it over to an IRA, or even opting for a taxed event by writing a check.
Steve emphasizes the significance of personalized guidance during rollover decisions, especially for those aged 59 1/2 and above. He shares his experience in navigating the complex landscape of different 401K plans, discussing costs, processes, and potential challenges.
Learn how a simple phone call can potentially uncover essential details about your 401K and help pave the way for informed decision-making. Steve walks you through the steps, from gathering information to executing the rollover, ensuring a smooth transition to a new custodian, such as Fidelity or Charles Schwab.
If you're over 59 1/2 and contemplating a 401K rollover, Call now to explore your rollover possibilities and take a proactive step toward helping secure your financial future.
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In this eye-opening discussion, Steve delves into a recent study that grades retirement systems worldwide. The surprising revelation? The U.S. is awarded no higher than a C+.
The focus of concern? The impending solvency crisis of Social Security, projected to hit by 2033. As Steve points out, this could lead to potential cuts in benefits, affecting retirees across the nation. Steve gives valuable insights on how he helps clients navigate this uncertain future.
Steve emphasizes the need to optimize Social Security benefits, considering factors like spousal benefits and means testing. Call Steve today for your Social Security risk score when you meet with Steve today!
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As we prepare to step into a new year, predictions about the market are everywhere. In this episode, Steve breaks down insights from portfolio manager Adam Hetz on CNBC, emphasizing the potential impact of historic spikes in interest rates on the market through 2024 and 2025.
Steve discusses the importance of staying invested during uncertain times but lean towards a defensive approach. They explore the concept of defensive investing through higher quality equities and top-tier investment grade fixed income. As the financial landscape continues to evolve, the hosts delve into fixed index annuities as a valuable tool for protected growth, especially in the face of market volatility.
Steve provides a comprehensive look at fixed index annuities, highlighting their flexibility and ability to shield investors from market downturns. He addresses common misconceptions surrounding annuities and introduces a strategic approach to utilizing these financial instruments based on individual needs. Whether you're seeking guaranteed income or protected growth, Steve offers valuable insights to help you make informed decisions.
In a special segment, Steve introduces the concept of an "annuity X-ray" – a detailed analysis of existing annuities to optimize their performance within your portfolio. Listeners are encouraged to call in and request their personalized annuity X-ray to uncover potential opportunities for growth, income, and improved financial stability.
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In this episode, we explore a tax-saving strategy that often goes unnoticed—Qualified Charitable Distributions (QCDs). As we approach the year-end, many individuals are considering charitable contributions, but not everyone can take advantage of tax breaks due to the standard deduction. However, for those aged 70 1/2 and older, QCDs offer a unique solution.
Steve discusses insights from tax expert Ed Slott, who explains the mechanics of QCDs on Morningstar. QCDs involve making direct transfers from your IRA to a designated charity, allowing individuals to fulfill their charitable goals while reducing their Adjusted Gross Income (AGI). The tax advantages are substantial, with distributions from the IRA essentially taxed at 0%.
Steve shares his enthusiasm for QCDs, emphasizing their potential to provide tax-free income during retirement. He breaks down the $100,000 limit on QCDs, with an inflation adjustment set to increase it to $105,000 in 2024. The episode delves into the significance of this strategy, especially for those over 70 1/2, as it enables them to contribute to charitable causes without incurring taxes.
If you're seeking ways to reduce or eliminate taxes in retirement and ensure a successful financial future, call Steve today for a personalized tax analysis and discover how to pay the least amount of taxes over your lifetime.
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In this episode, we sit down with the legendary composer and record producer, David Foster, known for his remarkable work with artists like Céline Dion and Whitney Houston. Despite being a force in the music world, Foster shares his favorite financial advice, emphasizing the importance of saving and responsible spending.
Then, Steve discusses the challenges individuals face when planning for retirement, especially if they haven't followed essential financial guidance. They explore the 80-10-10 rule, encouraging listeners to allocate 80% of their income wisely, give 10% to charity or their faith, and save 10-15% for retirement. The discussion delves into the difficulties of planning for retirement when individuals have overspent and the crucial role of self-discipline in financial well-being.
Whether you're just starting to plan for retirement or looking for ways to recover from past financial missteps, this episode offers valuable insights. If you're seeking personalized advice, call Steve today for your complimentary Retirement income Review!
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Steve discusses the realities of the 9 to 5 grind and the financial challenges many face early in their careers. From TikTok woes to personal anecdotes, we discuss the pressures and stresses of the typical workday. Steve shares valuable insights on the importance of starting early when it comes to saving and investing, emphasizing the power of compound interest. Whether you're a recent graduate struggling with the daily commute or someone contemplating retirement, this episode is packed with actionable tips on building wealth and realizing your retirement dreams. Discover the secrets to financial success and learn how to retire comfortably by making informed decisions today.
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If you are flying United Airlines, get familiar with WILMA. United Airlines' new boarding process, named "Wilma," which prioritizes passengers based on their seat location - window, middle, or aisle. The goal is to enhance efficiency during the boarding process, ultimately reducing the time spent on the ground before takeoff.
Moving on to the world of finance, Steve delves into the strategy of tapping retirement funds and the shifting landscape of retirement income planning. He highlights the importance of optimizing the order in which you access your various retirement accounts to minimize taxes and maximize the benefits for both you and your heirs.
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Taxes are an inevitability, and for many Americans, they represent a considerable financial burden. In this episode, Steve delves into a recent poll revealing that just over half of Americans believe their income taxes are unfair. As Steve points out, who really enjoys paying taxes?
However, there's more to the story. The poll doesn't account for the impending expiration of the Trump tax cuts in 2025, which could have significant implications for taxpayers. The question arises: Is it time for proactive tax planning instead of waiting until the last minute?
Steve highlights the changing landscape of tax planning. In the past, the focus was often on short-term savings, such as contributing to an IRA to reduce current-year taxes. But today, the game has shifted. Tax planning needs to extend beyond the micro view of a single year and encompass a lifetime perspective.
Steve emphasizes the importance of considering not only the immediate savings but also the long-term consequences of tax decisions. For example, deferring taxes into the future was once seen as a wise move, but the reality has changed. People's lifestyles, tax brackets, and legislative risk all play vital roles in shaping the new tax planning landscape.
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In this episode, we dive into the recently announced Cost of Living Adjustment (COLA) for Social Security benefits next year. The good news is that benefits will increase by 3.2% based on inflation, offering some relief to recipients. However, this increase is notably lower than the 8.7% hike from this year.
We explore the potential impact of these changes on Social Security's future and whether they could put additional strain on the program's sustainability. With previous COLA raises of 5.9% and 8.7%, concerns arise about the program's longevity.
As Steve explains, the issue of taxation of Social Security benefits is a crucial aspect to consider. With higher COLA raises, some beneficiaries might find themselves moving into higher tax brackets, resulting in a more substantial tax bill from Uncle Sam.
Moreover, Steve addresses the broader issue of Social Security's sustainability and the potential need for legislative changes to save the program. He mentions the possibility of means-testing Social Security, where individuals with higher incomes might not receive full benefits.
Tune in to gain valuable insights into the potential challenges of the Social Security program and the importance of sound financial and tax planning.
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In this episode, we navigate the ever-evolving landscape of financial investments and dive deep into legacy planning strategies to help preserve your legacy.
For the first time in over two decades, cash is offering higher returns than the S&P 500. Steve provides valuable insights into this trend, explaining how this shift may impact investment decisions and portfolio management. Steve also discusses the implications of this "new calculus" on investing, offering a fresh perspective on ways to help to grow your money.
Then, Steve addresses concerns about whether this trend is short-lived or a new investment era, drawing on historical lessons to provide clarity on the future of the financial markets. With higher interest rates, you'll discover how your financial options expand, especially regarding your emergency fund and retirement income planning.
Plus, if you're uncertain about your estate planning documents or want to adapt to this new investment era, Steve and his team are ready to guide you on the path to financial security and estate planning peace of mind. Then, Steve addresses concerns about whether this trend is short-lived or a new investment era, drawing on historical lessons to provide clarity on the future of the financial markets. With higher interest rates, you'll discover how your financial options expand, especially regarding your emergency fund and retirement income planning.
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Steve, a seasoned financial professional, provides valuable advice on ways to balance in your financial portfolio. He emphasizes the significance of aligning your investment choices with your risk tolerance and realistic expectations. Learn why now is the time to take control of your financial future and how comprehensive retirement planning can help.
Discover the importance of diversifying your investments to protect against market volatility and ensure a stable income during retirement. Steve's insights into tax-efficient portfolios and his partnership with Market Guard, a proprietary investment methodology, offer listeners valuable tools for growing and safeguarding their wealth.
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The 401(k) is often touted as one of the most significant retirement assets, but many people make recurring errors in managing them. Discover these pitfalls and learn how Steve can help you avoid them. From blindly investing in target date funds to overlooking the importance of periodic reviews, Steve shares valuable insights on optimizing your 401(k).
We also delve into the taxation of earned income. Are you aware of the taxation intricacies associated with the prizes you win? Bob Barker's famous game show moments provide a humorous segue into a serious discussion about the complexities of our tax system.
Steve emphasizes the evolving landscape of taxation and its impact on your retirement savings. Legislative risks are on the horizon, and the rules for retirement accounts like 401(k)s and IRAs are changing. Discover the importance of addressing legislative risks and how strategic planning can safeguard your wealth from unexpected tax burdens.
#retirement #financialplanner #financialliteracy #wealth #fyp #podcast
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In this episode, we delve into the world of finance, discussing common financial mistakes and even some unconventional ways to deal with weeds in your garden. We start by examining the financial blunders one expert confessed to, including not setting up a Roth IRA, neglecting long-term care insurance, and paying off low-interest mortgages early. Steve provides insights into each of these topics, shedding light on the potential pitfalls and benefits of various financial decisions.
Steve also shares his personal experiences with investing and highlights the importance of understanding your investments' long-term goals rather than chasing quick gains. He introduces the concept of "need, not greed," emphasizing that your investment strategy should align with your financial goals and risk tolerance.
Additionally, we explore the overlooked aspect of 401(k) plans. If you're 59 ½ or older, you might have more options than you realize to optimize your 401(k). Learn about the benefits of rolling over your 401(k) into an IRA and how it can provide you with more flexibility and control over your retirement savings.
#retirement #financialplanner #financialliteracy #wealth #fyp #podcast
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Have you heard that 60 is the new 40? While that may hold true for many aspects of life, in the world of retirement planning, the age 59 and a half takes the spotlight. Join Steve as he delves into the significance of this age when it comes to your 401(k) and shares real-life examples that dispel common retirement myths.
Steve starts by explaining the key rule of 59 and a half - the magic age at which the penalty for early withdrawals from your 401(k) vanishes. Whether it's your 401(k) or your IRA, turning 59 and a half is a pivotal moment in retirement planning.
But there's more to it. Steve highlights how, in the case of 401(k) plans, many companies permit employees to move their funds into an IRA once they reach this age. This move is non-taxable and unlocks a world of possibilities for optimizing your retirement savings.
Steve underlines the importance of tax planning in retirement, especially in light of potential future tax increases. He encourages listeners to consider tax-efficient strategies while tax rates are historically low.
#retirement #financialplanner #financialliteracy #wealth #fyp #podcast
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In this episode, Steve discusses the recent market volatility and whether or not investors should be worried about a correction. He shares his insights on how to protect your retirement savings and how to stay focused on your long-term financial goals.
If you're concerned about the stock market and your retirement savings, this episode is for you. Steve provides valuable advice on how to stay calm and make sound financial decisions during times of market volatility.
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In todays episode, here Steve discuss the importance of setting realistic financial goals. He talks about how to temper expectations in a volatile market and how to create a plan that can withstand the ups and downs of the economy.
Steve also discusses the concept of sequence of returns, and how it can impact your retirement savings. By the end of the episode, you'll have a better understanding of how to set realistic financial goals and create a plan that will help you reach them.
#retirement #financialplanner #financialliteracy #wealth #fyp #podcast #economy
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In this episode, Steve delves into the complexities of Social Security benefits and the impact of potential changes in the near future. With rumors of Social Security benefit cuts and adjustments, the host takes a closer look at how these changes could affect retirees.
Steve addresses the option of moving the full retirement age for Social Security benefits up to 68 and the potential implications of this shift. He also discusses a study showing that this adjustment might only solve a fraction of the overall problem. Steve and his guests provide guidance on when to start claiming Social Security benefits and how to maximize the benefits you're entitled to.
Moreover, Steve introduces the concept of Social Security risk scoring—a tool that assesses the chances of future reductions in benefits and helps individuals make informed decisions about their retirement planning.
#taxes #estateplanning #longtermcare #socialsecurity #lifeinsurance
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Steve addresses common financial missteps highlighted by an expert, including the oversight of not setting up a Roth IRA, missing out on long-term care insurance, prematurely paying off low-interest mortgages, and practicing excess frugality. Steve delves into the importance of aligning financial strategies with individual goals and needs, emphasizing the significance of need-based investments over get-rich-quick schemes. Moreover, he unveils an unconventional method to eradicate garden weeds using boiling water, sparking a parallel between financial weeds lurking in 401K plans. Steve sheds light on the lesser-known options available for managing 401Ks, especially for those aged 59 1/2 and older, who can consider in-service withdrawals and subsequent IRA rollovers. Discover how to prevent financial weeds from spreading and cultivate a solid retirement strategy tailored to your needs.
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In this exclusive episode of the Aul Financial Hour podcast, host Steve Aul sits down with Gary LeVox, the renowned lead singer of the multi-award-winning country group Rascal Flatts. The conversation delves into the emotional journey behind one of their hit songs and how it resonated deeply with Gary as a father. The two also discuss the importance of having a strong team and surrounding oneself with the right people in both the music industry and financial world. As Gary reflects on his transition from Rascal Flatts to his solo career, he shares his determination to keep making music and never slowing down. Listeners gain insights into managing careers, juggling responsibilities, and making sound financial decisions while pursuing dreams and passions.
Tune in for an inspiring and candid conversation with one of the most prominent figures in the country music scene!
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In this episode of the Aul Financial Podcast, Steve shares expert insights on achieving financial security through diversification and pre-retirement income planning. Explore the portfolio allocation strategies recommended by Shark Tank's Kevin O'Leary and learn how to diversify investments to mitigate risks during volatile times. Then, Steve challenges the traditional 70-80% rule for pre-retirement income, offering a personalized approach that considers tax diversification and thorough spending analysis. Discover how to optimize your retirement plan and ensure a comfortable lifestyle in the years to come. Whether you're approaching retirement or seeking strategies for financial security, this podcast episode provides actionable advice and valuable tips.
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Sometimes a rocky economy is like a football game. Market volatility, high inflation and the threat of recession can tackle even a good retirement plan and throw it for a huge loss. So, is there a tool that can withstand these threats? We have talked before about annuities, can you help navigate the numerous choices of annuities to find the right one?
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Sometimes you need some extra cash, but should you borrow from your 401(k)? If you do, are their penalities? Let's discuss the pros and cons of withdrawing from your 401(k)!
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The financial headlines have been talking about a recession for months. Market analyst Eddie Ghabour tells Fox Business we are already there! If he’s right, do you see a significant market pull back this year and should people look for a more protective stance with their retirement money?
A new survey has found that Americans are more pessimistic than ever about the economy. CNBC’s Steve Liesman says the poll numbers are the worst ever…do feelings like this and times like this make people sit still, or take action? Is that the right decision?
Then, a year ago, I Bonds captured a lot of attention. The U.S. Savings Bonds that are tied to inflation paid a 9.6% interest rate last May. Six months later, the rate went down to 6.89%. And beginning this month, I Bonds will pay a lower rate of 4.3% for the next half year. For those who previously plowed money into I Bonds, are they now better off putting their cash elsewhere?
What are the key dates in retirement? For starters, those age 50 and older can begin making “catch up” contributions to 401(k)s and IRAs. Do you remind clients of these important dates? Any others you want to add to the list?, One of the big concerns about growing older is whether we’ll need long-term care at some point. Microsoft News did a story listing the pros and cons of buying long-term care insurance, but it didn’t really answer the question for me. How do you help clients who worry about the risk of needing long-term care?
The money you’ve saved for retirement is meant to make that part of your life happy. But, with the biggest fear being running out of money, it tends to give people FEAR of spending during retirement. Hear how Steve creates a planned budget showing you how you can spend your hard earned money the right way in retirement and NOT run out of money.
Call Steve today for your customized income plan, showing you how you can spend, and not run out of money in retirement!
We’ve talked before about the benefits of annuities. They not only provide a guaranteed stream of income in retirement but can also serve as a hedge against inflation, market volatility and running out of money in retirement. But there are so many different types of annuities. How do you go about picking the right one? Steve explains!
This week marks the 47th anniversary of Apple Computer. It was co-founded by Steve Jobs, Steve Wozniak and a third guy you probably have never heard of. Ronald Wayne held a 10% stake in the company but sold it just 12 days later for $1500! So, he didn’t want to take the risk (even though his investment today would be worth $250 billion!). Of course, in retirement planning, there’s a certain amount of risk and everyone is not the same. How do you check for their risk tolerance in a portfolio?
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We’re seeing higher CD rates thanks to higher interest rates. But annuities are also based on interest rates. So, the higher the rate, the higher the annuity payments will be. Are you seeing more interest in annuities right now?
Once seniors reach the age of 62, they can begin taking Social Security benefits. But it comes at a cost, because the monthly check you receive goes up each year you delay taking it. An article on The Motley Fool financial website looked at three different ages to claim Social Security.
Hear Steve run down the list and explain how he can help you create a custom income plan including SS and creating income for life!
The cost of Long-Term Care can be $10,000 a month or more. No wonder so many say it’s one of the huge “gotcha” expenses in retirement. And now, a dozen states are considering implementing a mandatory tax on people who don’t carry long-term care insurance. Is buying this the best answer to covering those costs? As we’ve often mentioned, annuities can offer a guaranteed income for life. Many financial advisors love them, others loathe them. So, can we weigh the pros and cons of annuities?
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Back in 2019, we had a lot of fun discussing billionaire Ray Dalio’s statement that “Cash is Trash.” Recently Ray flip flopped on that, telling CNBC that “Cash is a better investment than stocks and bonds.” Steve, do you agree? Isn’t this a great example of why we need a financial advisor because the economy is constantly changing… and so should our investments? Deciding whether to retire now during an economic downturn can be a scary decision. It might force someone to put off leaving the workforce. T. Rowe Price has researched something it calls a “pre-tirement” strategy, in that you delay the retirement date but not the gratification. Is this a good plan for someone who’s sitting on the fence?
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Massive layoffs in the tech world have been grabbing headlines lately. Companies like Google, Meta and Amazon are letting workers go by the thousands. Just a few years ago, many were looking at finishing their careers with these jobs. If someone is close to retirement – and that ‘forever job’ is becoming less stable – what can they do now to prepare for an unplanned retirement and still get guaranteed income?
Then, once you turn 73, Uncle Sam makes you withdraw money from your tax-deferred retirement accounts so the government can collect its taxes. It’s called a Required Minimum Distribution or RMD. But what if it’s forcing you to take out more than you actually need? Is there a way to work around this?
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What would you say to a 4 day workweek? CBS News says a recent survey shows more than 90% of American workers favor the idea. Until this becomes more of a reality, most of us are still working five-day weeks. That often leaves little time to set up time to talk about more serious matters, like retirement planning. Steve shares his process to help YOU get closer to that retirement finish line STRESS FREE!
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The guy who invented the concept of the “4% percent” rule thinks it’s too early to cut the withdrawal rate to 3% because of today’s volatile markets. Bill Bengen feels it would take a “catastrophic” set of circumstances before people reduce their withdrawal rate. Hear Steve's strategy about how much to take from retirement accounts during this economy and how he can help you protect and grow your income despite current market climate.
An article in the Wall Street Journal talked about now being a great time to do a conversion to an after-tax Roth IRA. The reason is the value of assets are down in a bear market. And so are the taxes on a Roth IRA, opening the door for further growth and tax-free withdrawals. But is this for everyone?
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It’s estimated that more than half of us will need some sort of long-term care in our senior years, just to help us with our daily living needs. Hear Steve discuss options to save for long-term care, especially if you don’t want to self-fund it.
Then, in the next few weeks, a lot of retirees age 72 and up will get reminders to take their required minimum distributions – or RMDs – by the end of the year so Uncle Sam gets his tax money. But an article in the Wall Street Journal suggests taking monthly or quarterly RMDs rather than waiting until year’s end. Hear Steve weigh in on this strategy and more!
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How diversified should a portfolio be in these volatile times? One study found that most believe it takes only 30 holdings to be diversified. But one chief investment officer recently said it should be more like 200 stocks! So what’s a diversified portfolio look like to you and your clients?
Then, an 8-year-old boy in Kentucky (Lexington) wanted an Xbox and was willing to get a job and earn the money to get one. So, Nash Johnson filled out an application to be a dishwasher at a local restaurant, even though he’s far short of the legal age of 16! Nash’s mom says he didn’t land the job, but the restaurant still gave him an Xbox for trying to find a loophole. The word sometimes implies something illegal, even when it’s not. Isn’t smart tax planning knowing all the current laws and using them to your advantage?
Find out how Steve can help YOU keep your money diviersified and maybe even find "loopholes" when it comes to Uncle Sam!
Stocks are down. And so are bonds, which are supposed to leverage against a falling market. So where can we turn for a bond replacement? Steve discusses other options and strategies when it comes to replacing bonds. While many Hollywood stars are richer than most of us, there’s one way they’re the same – they have mortgages. Theirs is just much bigger. For example, even though Beyonce and her husband Jay Z are worth $1.8 billion, they still took out a $53 million loan for their Bel Air mansion. That’s a monthly payment of $227 grand! Now, some approaching retirement may want to pay off their mortgage beforehand. When is that a smart thing to do?
The newest iPhone has a cool feature called “crash detection.” Just like it sounds, the phone detects various types of car crashes, then automatically calls 911. But some riders of roller coasters are discovering that all the herky-jerky movements are also triggering calls to 911. The whole thing can be avoided by putting the phone in airplane mode. It made me wonder – with all the bad economic news that’s bombarding us – is it time to put the sources of that information on “airplane mode” for a while?
Then, “Snowbirds” travel to warmer climates in the winter. But Dave Portnoy, founder and president of Barstool Sports, is leaving New York for Florida for a different reason. Hear how Steve can help lower your tax burden in retirement!
There was a recent study on self-made millionaires. It discovered that most generated their income from multiple sources:
- 65% had three streams of income
- 45% had four streams of income
- About 30% had five or more streams of income
So maybe you won’t retire with a million dollars, but we can learn from this. Most of us will have Social Security and a 401(k). Hear how Steve can help you build, grow and protect your streams of income.
Then, there isn’t much good that comes from inflation, but there will be an exception in 2023. The IRS is adjusting tax brackets and standard deductions that should allow many Americans to keep more of their money. If someone is within a few years of retirement, do you recommend they max out that 401(k) or would you steer toward other options?
Reliable monthly income is a big concern for retirees. Yahoo Finance looked at the pros and cons of annuities in that role. Two of the objections they site are: 1) Every annuity comes with high fees, and… 2) No access to principle in an emergency. Steve explains the different types of annuities, the pros and cons and more.
Then, too many people with estate plans forget to perform a simple chore - updating your beneficiaries! Steve shares a few client stories of those that could have made HUGE mistakes had they not met with Steve to review their plan.
Sometimes, we talk about the “myths” of retirement. And Forbes says one of the most common ones is that we’ll be in a lower tax bracket, when we quit working. That certainly seems to make sense – why would it not be true?
Then, one of the big “unknowns” of retirement is what you’re going to spend on healthcare. So, what if I told you that you might lose as much as 14% of your nest egg to unexpected healthcare costs? That’s what a study from the National Bureau of Economic Research found. That’s a significant percentage, and the researchers say – for wealthier retirees – the percentage will be even higher!
Steve addresses myths of retirement and how he can help you untangle the weave of higher taxes and the cost of healthcare and more!
We’ve been getting good news lately. The stock market is trying to continue its rally. And prices – especially gas – have been coming down. So, what moves are you making to protect your retirement savings? Steve explains his process in helping you de-risk your money and create income for life!
This is a very special episode focusing on women and wealth.
To all the women reading this right now, how many times have you been with your husband/spouse and have been overlooked in an important conversation? You know, you both go to drop the car off to get repairs - who does the tech talk to? 99.9% of the time, they look at him. Situations like this can be so frustrating! It's assumed that the man in the relationship makes the money, and makes the decisions.
As women we thrive on relationships. You've been going to that same hair salon for 10 years because of your hairdresser, not the haircut! What about the personal conversation about your income and retirement? If you are single, or widowed, would you be more comfortable talking with a woman advisor? Meet Deanna Orf. Deanna is a part of The Aul Financial family and focuses on helping women plan and achieve financial success.
Join Deanna for a special event, "Women in Wealth" October 18th - CALL TO RSVP TODAY: 636-230-8824!
Did you know...
- 53% of women want financial information that is easier to understand
- 27% of women are anxious about retirement
- 44% say it’s Health Care concerns
- 43% say it’s running out of money
- 30% say it’s Social Security going bankrupt
The technical definition of a recession is two straight quarters of negative growth. That’s already happened. But many believe the U.S. economy didn’t get the recession memo. The job market is still hot. Gas and grocery prices are inching down. The stock market is trying to hang in there. But CNN warns a recession could set in next year as the economy absorbs the full impact of the Fed interest rate hikes. Kevin explains how he is working with people who plan to retire next year with confidence despite a possible recession.
Call Steve today for a Customized Income Plan!
What’s your personal financial fear? Maybe you can relate to comedian Kevin Hart! He says his fear is his credit card being declined in public! Credit cards and runaway debt are one thing, but one survey (by Zety) says by far, the number one fear Americans have about retirement is running out of money. Steve explains how he can help create a comprehensive income plan that is protected from the market, inflation and giving you INCOME FOR LIFE!
Call Steve today for a Customized Income Plan!
Question: Do you think you pay too much in taxes … or too little? That’s a trick question because we all pay too much! But IRA expert Ed Slott tells The Motley Fool that’s our own fault! Hear how Steve can help you put together a strong tax strategy helping put more money in YOUR pocket and LESS in Uncle Sams!
Then, it’s something that most retired couples don’t think about: When one of you passes, one of your monthly Social Security checks will go away. That can mean a substantial drop in income for the surviving spouse. what factors are considered when creating a social security claiming strategy?
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Jim Carrey says he’s probably retiring. But at age 60, he tells Access that the timing to step away just feels right. Carrey also plans to sell his artwork as NFTs (non-fungible tokens) to create another income stream. Doesn’t his story show that retirement is not only a matter of finances but also a state of mind? Then, how does Steve help clients find what they’re retiring to? Women will be a major part of the ‘great wealth transfer. One study says it will result in women having control of $30 trillion in assets by 2030. Do you think women are more comfortable talking to a woman advisor about their financial future?
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A new survey (by the National Financial Educators Council) shows most still believe in the American Dream. It asked whether they perceive that financial independence is attainable. More than half answered yes. What is your definition of financial independence and how do you help clients get there?, You’ve often said that putting off claiming Social Security benefits can result in substantially higher monthly payments later on. But if someone is filing late, how long does it take to ‘break even’ for the missed money?
Call Steve today for a customized Portfolio Review!
When it comes to retirement expenses, there’s one line item that Americans get wrong – how much they’ll spend on healthcare and medical. They told a Fidelity survey that over a 20-year retirement, they think it will be around $41,000. But research shows the real estimate is $315,000! And that doesn’t even include long-term care. Hear Steve explain how he can help you PLAN for these expenses NOW.
Then, Forbes is out with its new list of the world’s 10 Highest-Paid Athletes. And I noticed that LA Lakers star Lebron James comes in at number two with $121 million. But after taxes, management, and agent fees … and more taxes, it’s closer to about $50 million. That’s still hefty, but isn’t this a reminder that a proper tax strategy helps us keep more of what we earn?
Inflation is having a strong impact on retirement savings, according to new research (by the quarterly BMO Real Financial Progress Index). It found more than 20% of Americans have reduced what they’re putting away for retirement. And over one in four indicated higher prices are forcing them to delay leaving the workforce. Those nearing retirement report they’re trying to cope by adjusting the way they shop for groceries, cutting back on dining out, driving less, canceling vacations and giving up subscriptions. Hear how Steve can help you successfully manage your finances so you don’t have to dip into their nest egg.
Then, you know all those stories about Social Security going broke in 2034? Well, here’s some good news! Uncle Sam had a good year, so they’ve pushed the “go-broke” date back by one year to 2035. Not too exciting, right? Recently, we sat down for an exclusive interview with former Vice President Mike Pence. He told us the government must do everything to keep Social Security. Steve shares his opinion on the future of SS and where he see's in the retirement mix.
Do you ever daydream about what retirement is going to be like? Wealth Logic founder Allan Roth tells Time magazine that some of our expectations turn out to be fairly accurate, but we miss the mark on others. Is he right? Do you find that clients sometimes underestimate how much they’ll spend when they retire? Hear Steve talk about how he can help protect your income plan from inflation, taxes and market volatility!
Jim Carrey says he’s probably retiring. The actor and comedian is out with a new movie, Sonic Hedgehog 2, as well as an upcoming Netflix special. But at age 60, he tells Access that the timing to step away just feels right. Carrey also plans to sell his artwork as NFTs (non-fungible tokens) to create another income stream. Doesn’t his story show that retirement is not only a matter of finances but also a state of mind?
Women will be a major part of the ‘great wealth transfer.’ One study says it will result in women having control of $30 trillion in assets by 2030. Do you think women are more comfortable talking to a woman advisor about their financial future?
Hear Steve weigh in on the 7 financial spring-cleaning tips for your finances and more!
Call Steve today for a Complimentary Portfolio Review!
The latest hint from Federal Reserve Chair Jerome Powell is that it might raise interest rates by a half-point at its next meeting instead of a quarter. And economist Mohamed El-Erian tells Bloomberg TV that he believes the Fed’s ‘flip-flopping’ in battling inflation is sending the wrong message to the stock market. He thinks the Fed trying to “catch up” with bigger rate hikes could cause a recession. If that happens, what kind of impact could that have on retirement plans?
Perhaps early retirement isn’t all it’s cracked up to be. Millions of Americans – including those who were planning to leave the workforce permanently – are now regretting the move. A Harris Survey taken for USA Today found one in five who quit during the past two years don’t think they made the right choice. If they go back to work, doesn’t that more or less spell good news for their retirement savings?
Inflation is giving way to something called “shrinkflation.” Companies are trying to fight higher prices by cutting corners with their products. For instance, Doritos bags will now contain five fewer chips. Crest is putting less toothpaste in its tubes. And Charmin is cutting 20 sheets from its two-ply rolls of toilet paper. Steve shares how he can help you prepare for inflation while not running out of money!
Call David and Travis today for your Financial Lab!
Social Security benefits are not a form of an annuity, but a recent article I read says delaying when you take them almost acts like one. It points out that holding off claiming benefits until age 70 increases the monthly check by 75% - a much higher rate of return than other no-risk investments. Hear Steve explain how to bridge the gap in the meantime!
Call Steve Today for a Complimentary SS Analysis!
How important is tax planning in retirement? VERY! Steve explains how missing a step can cost you BIG TIME. Hear how Steve's tax strategies can help keep more money in your pocket vs in Uncle Sam's wallet !
Then, the pandemic has raised awareness of the need for long-term care. But it can be very expensive, how can you prepare financially?
Call Steve today for a Complimentary Tax Analysis!
Business Insider says there are different kinds of annuities for different kinds of customers. Steve explains the different options, and how to determine what type of an annuity might best meet their particular needs. Then, U.S. News & World Report says there are “financial advisors” … and then there are “retirement financial advisors.” What’s the difference … and which one is Steve?
According to a survey from Nationwide, more than half of women have delayed or cancelled their retirement plans due to COVID. Around 45% said they are ‘worried,’ 54% said they are ‘frustrated’ and 16% said they are ‘panicked.’ Are there any issues you need to solve that are unique to women facing retirement?
One of America’s most iconic burgers is turning 54 this year! When the Big Mac was first added to McDonald’s menu in 1968, you could buy one for 45-cents. Today, it’ll cost you more than 4-dollars. What does that tell us about the expenses we can probably expect, over twenty or thirty years of retirement?
We all know that 401(k)’s are among the most popular retirement accounts. But a survey by TDAmeritrade found that only 27% know how much they’re paying in fees. The smaller the plan, the larger the fees, which can exceed 2%. That can cost you tens of thousands of dollars over time. How do you help your clients mitigate fees?
We depend on our nest egg to take care of us during retirement years. But many Americans are living longer, posing a new problem: will they outlive their savings? Add to that a recent study by the investment firm BlackRock. It looked at 20-thousand client portfolios and found that the amount of risk has increased by 25% in just the last two years. Hear how Steve helps his clients mitigate both risk and fees and how he can help you! I
Extreme volatility in the stock market lately could mean a major selloff is just around the corner. That’s according to Morgan Creek Capital Management CEO Mark Yusko. Hear Steve explain how his planning strategies can help you combat both inflation and volatility in retirement.
Volatility levels have been moving higher, even as indices hit new highs. Many investors are positioning for a further upside. I don’t know about you, but it seems to me that they’re planning for the good times to keep rolling. But there’s no guarantee things won’t eventually reverse, right? How are you positioning market-investments in portfolio plans?
The so-called “4% Rule” for annual retirement withdrawals has been around since the mid-1990s. But Morningstar’s Christine Benz believes that number has been misunderstood. With inflation rearing its ugly head, Benz now feels the safe withdrawal rate should be 3.3%. Should retirees who are taking out more panic?
A lot of people are looking into buying electric vehicles (or EVs) as a way to be more environmentally friendly or to save money. But Edmunds says many shoppers of EVs don’t realize that the price of fully charging the battery can vary wildly depend on when and where you charge it. Does the same hold true when it comes to fees in retirement accounts, particularly 401k’s? How much can they vary from plan-to-plan? How can you identify how much you’re paying? Stocks have been hitting record highs in recent weeks, but one strategist worries that prices are too high, are we headed for a recession?
Many pensions for government employees are not making the grade. A group called Bellwether Education Partner says three in four states that offer teachers a retirement plan got an “F.” Only 13 states received grades of “B” or “C.” No state earned an “A.” Much of the reason is many pensions no longer pay out a monthly amount based on salary and years of service. Instead, they act more like a 401k and depend on yearly contributions and investment returns. What are the options when converting a government pension? How can you make the money last through retirement when many groups like teachers aren’t eligible for Social Security?
House Democrats have unveiled their wish list for higher taxes. Among other things, they want to raise the top income tax rate to 39.6% and the top corporate tax rate to 26.5%. But investment manager David Rubenstein tells CNBC these numbers are not set in stone, so is it even possible to prepare for higher taxes when we still don’t know yet what form those higher taxes will take?
After discovering that they enjoy working from home, a new Bankrate survey shows roughly 55% of workers are looking for a new job. It’s being called “The Great Resignation.” If you’re deciding to move on, don’t forget about that 401(k)! Can you go through the options that people have and some of the mistakes people make when dealing with an old 401(k)?
CNN’s Anderson Cooper comes from a very rich family. His mother was heiress and fashion designer Gloria Vanderbilt. But if you think he inherited a chunk of money upon her passing, think again. In fact, Cooper tells People magazine that he plans to do the same with his son. For those following a similar route with their children or grandchildren, hear how Steve can help you create an tax efficient estate plan.
Someone asked Market Watch how often they should be sitting down with their financial advisor. That’s a fair question - how often are you in touch with your clients?
Liz Weston, a personal finance writer for Nerd Wallet, says you can gain … or lose … as much as $100,000, just by the way you claim Social Security! And she says you never want to make your claim based on something a Social Security employee tells you. But if we can’t rely on someone who works there to give us good advice, who can we turn to?
If you own an IRA - and are at least 72 years old – you can donate to charity and get a tax break. Ed Slott explains to Morningstar how you can use a “qualified charitable donation” or QCD to donate all, or a portion of your required minimum distribution to charity. Steve explains how doing it this way is better than writing a deduction off your taxes (it reduces your taxable income). Is there a narrow window for this benefit? (only for “MEGA” QCDs).
How safe do you think your Social Security benefits are? According to a new Nationwide survey, 71% of Americans believe the Social Security program will run out of money during their lifetime! Steve discusses this as well as if we can count on Social Security to help fund our retirement!
Warren Buffett has a riddle that he likes to pose to investors: 'If you call a dog's tail a leg, then how many legs does it have?'" The answer is … four … because calling it a leg still doesn't make it one. His point is that we need to be skeptical about investments because bankers and CEOs sometimes present their “earnings” in a way that’s meant to mislead those of us who may not be as financially sophisticated as they are. Clearly, clients are depending on you to run interference for them … and to help make sure their money is managed wisely. That’s a pretty big responsibility, isn’t it? Hear Steve talk about the designing a plan for each individual client and he explain how he can help you.
Every year, the Social Security Administration adjusts benefits based on cost-of-living (also called COLA). It’s averaged about 1.7% annually as inflation remained low. But in 2022, the increase is set for 5.9% - the biggest boost in beneficiary checks in 40 years. It’s all because the economic recovery from the pandemic has triggered rising prices for a wide range of goods and services. Should retirees view this as a pay hike? Does this change any strategies when including Social Security in a retirement plan?
The #1 fear of planning for retirement is running out of money. Have you ever wondered what the planning process is like when you work with Steve and the Aul Financial Group? If so, you're in the right place! Hear Steve take you STEP by STEP in his process and how he makes it easy for you to have confidence in retirement.
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The Federal Reserve will begin dialing back the extraordinary economic aid it's provided since the pandemic erupted last year. It’s a response to high inflation that now looks likely to persist longer than it did just a few months ago. When it comes to retirement plans, what’s the smart play at this point?
If you're lucky enough to have a pension, Forbes says a lot of companies are offering lump-sum buy-out offers. What are some of the factors we should consider if we’re given that option?
Every year, the Social Security Administration adjusts benefits based on cost-of-living (also called COLA). It’s averaged about 1.7% annually as inflation remained low. But in 2022, the increase is set for 5.9% - the biggest boost in beneficiary checks in 40 years. It’s all because the economic recovery from the pandemic has triggered rising prices for a wide range of goods and services. Should retirees view this as a pay hike? Does this change any strategies when including Social Security in a retirement plan?
Then, the backdoor roth is on its way out but there is still a little time to take advantage of this NOW!
One of the most basic retirement planning questions people have is “How am I doing?” We want to know if we’re on track for a comfortable retirement, or if we might need to change something. To help, Fidelity came up with some so-called “benchmarks” for how much money we should have set aside by certain ages. Hear Steve explain if these benchmarks are reasonable or
Then, they call it the retirement “sweet spot.” During the period after you retire … but before you have to start taking RMDs … you have more flexibility to control your retirement taxes. Hear Steve explain how his tax tools and strategies can help to even have a tax free retirement!
The Senior Citizens League says if you’d retired in the year 2000 with a total income of $100,000, you’d now need $156,000 to be able to afford the same standard of living. That’s thanks to inflation, which – by the way – has been rising much faster than usual lately. We’d like to think that we’ll be able to replace our current income in retirement, but it appears we’re losing ground. What’s the answer?,
People seem to have strong feelings about Bitcoin and other forms of crypto currency. Some think it’s nothing but a scam … while others are confident it’s a good investment. Steve shares his ideas about Bitcoin and if it's a good investment opportunity.
Stay the course. That’s the message from Federal Reserve Chair Jerome Powell last week on dealing with the pandemic recession. He’s advising against raising interest rates to head off inflation, as long as employment continues to move upward. Hear Steve's opinion on Powell's remarks, and how he is guiding his clients on this topic.
If you have a “target date” fund, the year ends in either a zero or a five. And an Iowa State University study claims most people have a psychological bias that causes them to choose a fund year ending in zero. And because of that, some of them are choosing a fund that matures before their actual retirement. The researchers claim those people have lower returns because they were under-invested in stocks! Hear what Steve thinks – should we choose a fund that matures a few years sooner than our expected retirement date, a few years later, or does it really matter?
When it comes to taxes, we tend to focus on our federal liabilities, but remember that Uncle Sam is not the only one with his hands in your pocket. Here’s a good example: The state of California just raised its gas tax again … even though the state has a $75 billion budget surplus this year! Is it unreasonable to hope that … sooner or later … we might see our taxes go down, instead of up?
What comes to mind when you hear the word “retirement”? Most of us probably think about all the things we want to do when we quit working – like take a fancy vacation, or maybe play a lot of golf. But a survey by the management firm Voya found that people are also thinking more about how they’re going to pay for those things.
I don’t know if you saw this or not, but there’s a new study showing that stress really can turn your hair gray! Aging expert Dr. Richard Siow says it’s a pretty big deal! But here’s the best part: The researchers also found that – once the stress is gone – you might be able to get your original hair color back again! Now, we don’t expect Steve to magically make all our gray hairs go away, but we are hoping he can help you relieve some of the stress you're feeling as a result of planning for retirement. Steve talks about how having a financial checkup as we are halfway thru the year!
Hard to believe, but we’re almost at the half-way point of 2021. So, what will the second half of the year bring? A report from the GO-Banking-Rates website predicts higher prices at the supermarket … and at the gas pump. That’s in addition to “astronomical” prices in the housing market. Sounds like inflation may be here to stay … at least for a while, how do we keep up? Plus, what if you could add Bitcoin to your retirement account – would you do it?
We hear a lot about the benefits of a Roth IRA. But a writer for The Motley Fool says she doesn’t want a Roth because…
- She’s not convinced her tax rate will be higher in retirement. And,
- She doesn’t want to be tempted to withdraw money before she actually retires.
Steve weigh's in on the benefits of a Roth IRA and how it can help you in your retirement!
Then, one of the big debates in retirement planning is whether … and how much … you should continue to invest in stocks after you’ve retired. Morningstar’s Christine Benz believes everyone should be in the market and she says the current rise in inflation is a good example of why, hear what Steve thinks about inflation risk!
Now that President Biden is trying to raise the inheritance tax, CNBC says some people are considering life insurance as an estate planning tool. Is that really an option? May inflation rate was 5% higher than May of last year! So, here’s something to keep in mind: Rising inflation means a lot more than just higher prices at the supermarket. Strategist David Kostin says – if this rise continues – it could have a negative impact on your retirement portfolio… so, how do we deal with this “concern”?
Market Watch had an interesting take on tax planning: They said you shouldn’t change your financial behavior just to avoid taxes. A good tax planning strategy is one that allows you to keep doing what you want to do … while reducing your tax liabilities, in the process. Steve discusses his approach to having a strong tax plan in retirement.
Question: If you’re planning to leave an inheritance to your adult children, at what age would they most benefit from it? The authors of the book “Die Broke” argue that the money would mean a lot more to them when they’re still young and getting started … than it would when they’re in their 50s or 60s. In other words, the authors say you should give your kids the money now … instead of waiting until after you’re gone. Steve weighs in on this - what is the benefits of waiting vs now?
You may have seen that Census Bureau story about Texas and Florida being the fastest-growing states, population-wise. Coincidentally, both of those are considered to be low-tax states. Jimmy Patronis, who is CFO of the state of Florida, tells Fox Business that’s a big attraction for people who are tired of paying high taxes… but what if I’m happy right here? Do I really have to move, just to lower my tax bills in retirement?
Lawmakers in New York recently approved a new top state income tax rate of nearly 11%, which will be retroactive to January 1st. It’s that kind of treatment that has a lot of New Yorkers … as well as residents of other high-tax states … moving to states that are more tax friendly. But USA Today warns that anyone considering relocating because of high taxes really needs to do their homework first. Steve discusses the tax burden overall during retirement, and how he can help you SAVE money from Uncle Sam !
Over the course of your lifetime, how much money would you guess you’ll have paid in taxes? USA Today says – if you add it all up – the average American pays Federal, state, and local governments more than half-a-million dollars! Now, imagine if you could somehow save just a little more on your taxes each year and keep that money for yourself. I’m guessing that would be worth looking into, right? So, is that doable?
We’ve all heard the statistic: An estimated 10-thousand baby boomers retire, every single day. But considering what’s happened as a result of the pandemic, I’m guessing a lot of boomers may be second-guessing that. Hear Steve's advice for listeners who want to retire, but are no longer sure they can!
Steve's job is to help people not run out of money during retirement. But NerdWallet says there are some retirees who worry about money too much – almost to the point of depriving themselves. How do you help clients find that “sweet spot” between feeling financially secure, and still being able to enjoy a happy, fulfilling, retirement? When it comes to the different expenses you’re going to have in retirement, most of them are fairly predictable. But there’s one that could range from a little … to a lot: Healthcare. You might get lucky … or you might suffer a major illness that wipes out the savings you thought would last you 20 or 30 years. So, how can we plan for healthcare, when we really have no way of knowing how much it’s going to cost us?
President Biden wants to raise taxes on businesses and high-income earners. But economist Diana Furchtgott-Roth tells the “Cheddar” financial site that the timing of this is questionable. Of course, Biden insists the tax hike would apply to only a small segment of people. Hear Steve's take on this and how he can help you put a customized tax plan together to protect your income no matter what changes come our way.
Then, we’ve been hitting new market highs recently, but investment strategist James Paulsen tells CNBC that nothing lasts forever. You know, I hate to say it, but it almost seems as if we’re getting a little blasé about the constant ups-and-downs of the market. Steve discusses his strategy of investing in the market and protecting your assets.
When you transition from the working world into retirement, one of the many adjustments will be not receiving a paycheck - have you thought about that? Hear how Steve can replace that paycheck, get you income for life and help you create a financial plan that will be protected against the market, taxes and more!
Jessica and Steve talk about having a income stream and the Steve talks about how President Biden wants to study the idea of a financial transaction tax – a new tax that you’d pay each time you buy or sell a stock.
Where are you getting your financial advice, these days? CNBC says a growing number of young people are getting it from social networking sites like TikTok, or Reddit. Hear why Steve says this a big NO NO!
Then, a lot of us saw the big profits that some investors made in the Game Stop deal and wondered if maybe we should try to get in on that. But Senator Elizabeth Warren is calling for a federal investigation of what happened. She tells CNBC it’s proof that the market is not working the way it’s supposed to, is she right? Hear what Steve thinks!
A surprise announcement from Jeff Bezos … who says he’s decided to retire as CEO of Amazon. No one saw it coming – and Bezos will obviously find other things to occupy his time – but the suddenness of his decision made me wonder: Does being wealthy make it easier for someone to walk away, without worrying about all the financial details? Or do high-earners perhaps need even more planning than the typical worker?, How can you increase your retirement account balance without making a deposit?
Some analyst say that a RECESSION is coming before 2038! Not one, not two … but four of them, if the historical average holds true. Hear how Steve can help you ride out all those downturns that we’re likely to experience.
Plus, have you and your spouse discussed claiming Social Security? The Motley Fool says there are certain mistakes that couples tend to make, we discuss that and much more!
Kiplinger says there are five ages that are “special” for retirement planning. Steve goes down the list and tells you what you need to know!
Then, RMD's are coming back! Should you start taking these funds now? Steve talks about the benefits and strategies that can prepare you and your financial plan and how to avoid a tax torpedo!
Steve discusses Barron’s magazines list of the “Top 3 mistakes people make saving for retirement.” They are: Paying too much in fees, hoarding too much cash and chasing hot new trends.
Hear Steve explain that you can capitalize no gains, while not chasing and avoid risk
Happy 2021! Hear Steve discuss financial resolutions that need to be on your to-do list. Then, how can Steve help you be financially prepared for whatever life throws our way? And, just like 2020 - our taxes will be "unique" this year - how can Steve help? Listen now !
Does a higher paycheck during your working years guarantee a more successful retirement? Not necessarily! This week, Steve discusses some of the challenges that high-income earners face in planning for their retirement. Plus, why one billionaire has decided to leave New York City’s taxes behind. Have a question for Steve? Drop us an e-mail at www.yourmoneymattersstl.com.
Understanding risk versus reward is important for investors, especially in a volatile market. But do you really need to take the risk? Steve discusses why that question is so important for retirement savers. Plus, what should you do with your emergency savings when interest rates are super low? Have a question for Steve? Drop us an e-mail at www.yourmoneymattersstl.com.
Over half (57%) of Americans are worried inflation will make basic retirement expenses unaffordable BUT, less than a quarter (24%) of Americans are discussing the impact of inflation with their financial professional - see the problem here?
Steve discusses how he can help you prepare for the expenses of retirement, but avoid the #1 fear of running out of money!
Over the years, you’ve probably heard about certain retirement rules, but do those same rules apply today? This week, Steve discusses the things you might want to “unlearn” as you head into retirement. Plus, we’ll explain the details in a new retirement bill under consideration by Congress. And remember…there’s still time to schedule a year-end retirement review at www.yourmoneymattersstl.com.
After a tough 2020, are you thinking about calling it quits for good in 2021? If so, Steve has some tips on how to make sure you’re ready. Plus, we’ll discuss the numbers you need to know that are critical to your retirement success. There’s still time to schedule a year-end retirement review at www.yourmoneymattersstl.com.
Phew! We made it through election week, but there’s still plenty of uncertainty about where we’re headed next. Steve breaks down the immediate aftermath of the election, the market reaction and what happens in the event of another coronavirus lockdown. There’s still time to address your retirement questions during a crazy 2020! Schedule a time to go over yours at www.yourmoneymattersstl.com.
The presidential election is finally here, but what happens after Tuesday? Steve discusses the potential market volatility & what you can address with a review, no matter what happens on election day. Schedule a time to go over your questions at www.yourmoneymattersstl.com.
This month in 1986, President Reagan signed a major tax reform bill into law, but our tax rates have changed quite a bit since then. This week, Steve discusses why now may be a great time to take advantage of today’s low tax rates, while you still can! Schedule a time to go over your year-end retirement tax strategy at www.yourmoneymattersstl.com.
Taxes are just a headache for most of us, but Steve finds them exciting…especially as we head toward the end of the year! Listen this week as he explains some of the unique opportunities retirement savers can take advantage of in 2020. Schedule a time to go over your year-end questions at www.yourmoneymattersstl.com.
There’s a lot of talk about taxes this election season, but most Americans might be missing out on ways to take advantage of today’s tax rules for their retirement. Steve explains why using the tax code to legally reduce your future tax rates is so important. Have some year-end tax planning questions? Schedule a time to go over those questions at www.yourmoneymattersstl.com.
We heard a lot of back-and-forth at last week’s Presidential debate, but not many details on the issues that affect our finances. So this week, Steve breaks down a proposal from Democrat Joe Biden that could affect the tax break you get on your 401(k). Plus, we’ll discuss the tax moves you might want to consider before the election. Have a question about your retirement tax strategy? Drop us an e-mail at www.yourmoneymattersstl.com.
British researchers say they’ve come up with a calculator that can predict how long you’ll live – but would you want to know that answer? If not, Steve says you can still plan for retirement income for as long as you need it! Plus, a market historian weighs in on what might happen on Wall Street after the November election. We’ll be hosting an online town hall event on that subject the day after the first presidential debate! Want to attend? Contact us at www.yourmoneymattersstl.com.
Donald Trump or Joe Biden? USA Today says the bigger question in November will be who controls Congress. Steve explains why that matters when it comes to our future taxes. Plus, are you focusing too much on the Dow when you’re trying to figure out your investment strategy?
Drop us an e-mail with your questions at www.yourmoneymattersstl.com.
You won’t believe the latest tax proposal in California. Some lawmakers want to tax the wealthy – even if they move out of state! Steve discusses why we may start hearing even more crazy tax proposals at the state and federal level. Also from the “What will they think of next?” files: a new “virtual” shirt with a price tag of $700. Plus, Steve admits the craziest thing he’s ever purchased. Have a question for Steve? Drop us an e-mail at www.yourmoneymattersstl.com.
A report from CNBC says wealthy Americans are making tax moves now, in anticipation of higher taxes after the November election. So should the rest of us also consider some tax moves? Steve discusses that, plus the possible impact the pandemic could have on our state and local taxes as well. Have questions about your tax strategy for retirement? Drop us an e-mail at www.yourmoneymattersstl.com.
This week, Steve explains why he’s decided to hold steady at 60 rather than celebrate another birthday! You might want to put a freeze on your age too when you hear the latest Fidelity estimates on what married couples will spend on health care in retirement. Plus, the interesting way that NFL rookie Joe Burrow is structuring his income. We’ll explain how you can essentially do the same with your retirement income. Have a question for Steve? Drop us an e-mail at www.yourmoneymattersstl.com.
Confused about why the market continues to surge, while our economy slides? Steve offers some perspective this week on what’s propping the markets up. Have a question about your retirement or investment strategy? Drop us an e-mail at www.yourmoneymattersstl.com.
“No one can be prepared for that.” That’s what legendary guitarist Peter Frampton says about his overnight success with “Frampton Comes Alive!” in the 70’s. This week, hear his conversation with Steve about what kept him grounded, what he wants his legacy to be, and the fascinating story of the lost guitar that appeared on the cover of his smash album. Find more interviews online at www.yourmoneymattersstl.com.
Who knew that pickleball could be so dangerous?! Steve discusses how he managed to hurt himself on the pickleball court, and why he sought out a second opinion. A second opinion may not be a bad idea, either, when it comes to your retirement! Plus, we’ll discuss how to help prevent injuries to your portfolio in an uncertain market. Have a question for Steve? Drop us an e-mail at www.yourmoneymattersstl.com.
Every single July, retired baseball star Bobby Bonilla receives a paycheck for more than $1 million from the New York Mets! Steve discusses how you can set up a Bonilla-style income plan for your retirement. Plus, after a crazy first half of 2020, July may be a great time to do a mid-year retirement check-up! Schedule a call to go over your questions at www.yourmoneymattersstl.com.
When it comes to retirement fears, one of the big ones for retirees is not having enough money to cover basic expenses. But a good retirement plan should cover more than that. Steve discusses what to consider when building that plan, plus how to get the most out of your Social Security benefits. Have a question? Drop us an e-mail at www.yourmoneymattersstl.com.
Some health experts warn we could see a second wave of the coronavirus this year, so how are you preparing financially for that? Plus, we’ll have some fun with the lessons dads have taught us about finances…and the really unusual ways that states have found to tax us! Have a question? Drop us an e-mail at www.yourmoneymattersstl.com.
At 74 years old, Dolly Parton is still churning out new music. Her latest hit, “When Life is Good Again,” is offering hope to many during the pandemic. This week, hear her explain why she’ll never retire! Plus, Steve discusses all the new ways Congress may tax us to pay for the recent stimulus spending. Have a question? Drop us an e-mail at www.yourmoneymattersstl.com.
Morningstar says you might want to use some of your down time during the pandemic to review your retirement plan. Steve discusses how you can do that from the comfort of your home. Will the coronavirus crisis change how much you’ll need for retirement? Plus, pension problems may be getting even worse. What should you consider if you think your plan is underfunded? Have a question? Drop us an e-mail at www.yourmoneymattersstl.com.
Boeing was flying high just a few months ago, but now the aircraft maker is cutting more than 12,000 jobs during the pandemic through layoffs and buyouts. So what should you consider if you’re affected? Steve discusses that this week. Get a copy of our Boeing Decision Guide at www.yourmoneymattersstl.com.
“The Motley Fool” says one of the best ways to get through a recession is to create multiple sources of income. But how can you accomplish that in retirement? Plus, why now might be a good time to try to calculate how much you actually need for retirement. Have a question for Steve? Drop us an e-mail at www.yourmoneymattersstl.com.
Is the worst behind us during this financial crisis? Or is there more pain ahead? And what should you do if you were on the verge of retirement as this crisis began? Steve discusses why you might want to re-run your numbers. Have a question? Drop us an e-mail at www.yourmoneymattersstl.com.
For years, we’ve been talking about the possibility of higher taxes in the future…but Washington’s coronavirus stimulus package makes that even more likely. This week, Steve explains what that means for retirees, as well as their kids & grandkids. Have a question for Steve? Drop us an e-mail at www.yourmoneymattersstl.com.
This week, Steve addresses real-life retirement questions from listeners. Should you refinance your house and invest more in the market? Can you still retire in a down market? Plus, major companies like Boeing are offering buyouts. What should you consider before you accept? Have a question for Steve? Drop us an e-mail at www.yourmoneymattersstl.com.
What would you do differently with your finances in January if you’d known this financial crisis was coming? Some of our listeners share that with us this week. Plus, what if you & your spouse disagree on risk? Steve discusses how to approach that conversation while in quarantine, and whether or not you should even open your first quarter 401(k) statement. Have a question about the crisis and the impact on your retirement? Drop Steve an e-mail at www.yourmoneymattersstl.com.
It’s been 50 years since the Apollo 13 near disaster, which NASA managed to survive. Today, we’re trying to survive another near disaster with the economy. But how can we turn things around? Steve discusses that, plus shares some words of encouragement from music legend Dolly Parton. Have a question about the crisis and the impact on your retirement? Drop Steve an e-mail at www.yourmoneymattersstl.com.
While the headlines have been scary over the last several weeks, the days of social distancing & self-quarantines are teaching us a few things. This week, Steve discusses how life is different for many of us. Plus, how long will it take to recover economically? With companies like Boeing planning buyouts & early retirement offers, what should you consider? Schedule your online visit with Steve at www.yourmoneymattersstl.com.
Some Americans will be getting a $1,200 stimulus check as a result of the CARES Act. But what if you don’t need the money? Steve discusses some options for you, plus the move to waive RMDs for 2020. Schedule your online visit with the team at www.yourmoneymattersstl.com.
We’re all getting used to our new normal, whether that’s working from home or FaceTiming with the grandkids. Steve explains how the coronavirus threat has changed how the Aul Financial Group is communicating with clients. Plus, is it time to distance your portfolio from the risk of the market? Schedule your online visit with the team at www.yourmoneymattersstl.com.
Watching your retirement account balance shrink over these last few weeks might make you feel like you did in 2008, but Steve says this crisis is very different than the Great Recession. Listen to hear him explain why - and drop us an e-mail if you’d like to schedule a virtual visit at www.yourmoneymattersstl.com.
We haven’t seen volatility like this since 2008. The recent selloffs are setting off circuit breakers on Wall Street. So should you also have circuit breakers in place on your portfolio? Steve discusses that this week. Drop us an e-mail with your questions at www.yourmoneymattersstl.com.
Coronavirus fears are spreading on Wall Street, but is the recent sell-off an overreaction? Steve gives his take this week. Plus, imagine seeing a big goose egg when you check up on your retirement account balance! We’ll explain why that happened to some Fidelity customers recently. Have a question for Steve? Drop us an e-mail at www.yourmoneymattersstl.com.
A new report from Fidelity warns that baby boomers may be taking on too much risk in the stock market. But how much is too much? Plus, Steve discusses why some retirees may be a little overconfident about spending. Have a question you’d like us to address on the podcast? Drop us an e-mail at www.yourmoneymattersstl.com.
Wish that you could turn 65 and have a magic fairy appear to figure out retirement for you? Hate to burst your bubble…but it’s not going to happen. However, you can get some help! This week, Steve discusses why he got in the business of helping people plan for retirement – and the different decisions you face as you reach this stage of your life. Have a question you’d like us to address on the podcast? Drop us an e-mail at www.yourmoneymattersstl.com.