A Nickel & A Plan

Top Five Things You Need for Successful RetirementFinancial Plan Financial Team Support Team Control PurposeIt's about B.E.A.G.L.E.; What you: Believe Enjoy Achieve Grieve Leave EndowSecure Act 2.0 - Key Changes Communicating HealthCare Wishes Get it in writing Make it easily accessible for others No guilt trips!

Assessment of your Financial Advisor Pre-paid Funerals - worth the look and effort! Gifting - ways to gift to avoid gift tax

How long should you keep your tax records? What to do if you get a notice of audit Review of the IRS warning regarding cash apps! 87,000 IRS agents coming in 2023 - what will they do?

Tips for transitioning suffering loved ones to care centers Dementia - how to interact with ailing individuals Why being a caregiver can be dangerous to the caregiver's life How there is NO charge to you for Patti's services!

Communicating your financial information to family can be very beneficial for a number of reasons Life Insurance - always use Human Life Value because Income Replacement overstates need Thanksgiving food statistics - fascinating!

Top 5 ways to save on property/casualty insurance Top 5 mistakes people make when purchasing property/casualty Umbrella Insurance Policies: what are they and what do they cover?

Advisor relationship tidbits Financial and Retirement Planning tips Ways to keep the bad guys away Estate planning: the essential documents you need!

Keys to achieving goals Questions to answer during the strategic planning process How do I ensure planning success? Keys for 2023 - what is important NOW?

Market update 2023 Market Forecast IRAs - Just a few tidbits to know! Revocable and Irrevocable Trusts - What are they? Do you need one? How to safeguard yourself and loved ones!

Market Update - what to be doing NOWTop Ten Googled Retirement QuestionsHow to get YOUR answers to these questions! Hint: FINANCIAL PLANNING!! Separately-Managed and Third-Party Money ManagersWhat are they? Why and how they are so expensive!

Market update Market outlook for 2023 5 reasons why using multiple advisors is a BAD idea Retirement Preparedness: Believe, Enjoy, Achieve, Grieve, Leave, Endow - How B.E.A.G.L.E. is important in financial/retirement planning

Why proper placement is so important! When do you start your healthcare planning, for yourself and/or your loved one? Difference between "Medicare Pending" and "Medicare Approved" - what is it?

Basic IRS Tips What to do if you are audited 87,000 IRS Agents are coming - what will they be doing?

- Crypto scams are rampant; Beware! - IRS is expanding - Cash Apps may be targeted - How to use cash value in life insurance to get long-term care coverage - How to protect loved ones with a trust

When do you put teenagers on your policy? Blanket Liability Policies: should you purchase one? Replacement Costs vs Actual Cash Value - which is best for you to use when insuring your home? Advisor behavior that got under Todd's skin!

Market update: Recession (technically) is upon us but don't panic; more market updates on upcoming shows LendingReal estate markets and interest rate review Credit - changes in credit reporting/Do's and Don'ts with your credit Reverse Mortgage - better than an annuity?  Possibly! First-Time Homebuyer Grant programs

The real estate market has tightened - what to do Do's and Don'ts for Buyers and Sellers Nightmare Real Estate Broker stories Why a full-service real estate agent is the way to go!

When to call it quits with your current Advisor What to ask and look for when hiring an Advisor Purpose: one of the most important items for a successful retirement!

What makes a group of people a "team?" The need to strengthen your weakest link! How to recreate team synergy after Covid derailed it!

As an investor/financial guru, who are you? - Stay-Ahead Fred - Even Steven - Backseat Pete

Portfolio Rebalancing - What is it and Why do it? Financial and Retirement Planning - The Process and Its Benefits! Funeral Home WARNING Pensions: Take the Money Reminder!

Tips to save on property/casualty costs To hit or not hit the deer in the road - that is the question? No-Fault - what is that? Ice in milk - hip and trendy or crazy?

- Are Investment Lunch/Dinners scams? - Mutual Fund warning and horror story - Annuity nightmares - Series I Bonds: high yield with a catch!

Market Update: The good/the bad/the what to do and not to do ESG Investments: Bogus?  We research, You decide! Mutual Funds: Beware of getting hit with capital gains this year!

How long do you keep your tax records? What do you do if you receive an audit notification? IRA to ROTH IRA Conversions - are there tax ramifications? Social Security - is it ever taxed?

The SPIVA Scorecard explained - how the vast majority of mutual funds regularly underperform their benchmarks IRA vs ROTH IRA and Traditional 401(k)/403(b) or ROTH 401(k)/ROTH 403(b) Which is best?  How Much Should You Put In? If you were stranded on a desert island, what three musicians/bands/artists would you choose to have?

What are the resources available for your loved one who needs care? Questions you should ask when shopping for a retirement/assisted living community. Did you know you can negotiate a "cap" on rent increases with retirement/assisted living communities?

- Interest Rates - Where are they going? - Why you ALWAYS get PRE-APPROVED - Reverse Mortgages - Are You a Candidate?

Current state of the real estate market Outlook for real estate over the next 12 months What to do and not to do when buying and selling a home Investment Real Estate - Tips for Success!

The Five Necessities are: Control Purpose Support Group Financial Team Financial Plan

What is an annuity? What are the advantages and disadvantages? Why does TKM Financial Services NOT favor them?

The Four "D's for Success" Productivity Ninja Status - How do attain such! Time Thieves - what and who are they? Random Easter Candy Facts!

- Facebook safety tips - Credit Freezes: To do or Not to do (and how to do!) - Will the IRS or Social Security Administration ever call yoi? - Dogs vs Cats - which pet is cheaper??

Review of the six estate planning documents: Will Financial Power of Attorney Healthcare Surrogate Living Will HIPPA Form Digital Authorization Form  Helpful Tips on: Who to name in what capacity Probate Personal Property Bequests  Statistical Proof that women are better drivers than men!

Why the chance of a recession is very low How to calculate how much life insurance you need Why to avoid traditional long-term care policies Three hybrid long-term care strategies to consider Fun ice cream facts!

Tips to reduce your insurance costsIs your roof really covered in case of a loss? Should you swerve and miss the deer who ran in front of your vehicle?  The answer will surprise you! TKM called it!  TKM confirms his calls in 2020 and 2021 and makes its newest call for 2022!

Mortgage Lending with Dave Wyder Why it's best to get pre-approved versus pre-qualified Private Mortgage Insurance (PMI): how to avoid paying it To freeze or not to freeze your credit - that is the question!

Residential Real Estate Outlook Top three things to do when preparing to sell your home To pre-inspect or not to pre-inspect - that is the question!

Common tax questions - how long to keep records, will the IRS ever proactively call you? IRAs - still time to contribute for 2021! CPAs versus Tax Preparers - there is a difference!

TKM's take on the RUSSIA/UKRAINE situation CONTROL - why it's 2nd most important thing to have for financial and retirement success Pensions - ALWAYS TAKE the MONEY!

Executive Coach Belinda Gates discusses how to identify and break through the barriers that stand in your way of being your absolute best! What does success mean for you? What stands in your way of achieving success? How bad do you want it? These questions and more are explored! Selected music is Ben Lucas, with his hit, "More Than Wonderful"

When to FIRE an ADVISOR How to HIRE an ADVISOR The MOST IMPORTANT NEED for a successful retirement is PURPOSE