Financial Life Planning with Cynthia and Gina

Just getting to retirement is a major accomplishment. You’ve saved, planned and now it’s time for the fun stuff. However statistics show that the first few years of retirement can be surprisingly tense. Today Gina White has some tips to help you minimize risk, preserve your wealth and your sanity. Visit FinancialLifePlanners.com. Call (800) 239-1525.See omnystudio.com/listener for privacy information.

Getting to retirement is all about the plan, and there has to be an income component. Cynthia and Gina dig into how to properly put a retirement and income plan together. From proper asset allocation to the sequence of returns risk they break it all down. Visit FinancialLifePlanners.com. Call (800) 239-1525.See omnystudio.com/listener for privacy information.

When inflation took center stage it was called “transitory”. It has become something a little more lengthy with no sign of relief. Inflation can be particularly hard on seniors. This week Cynthia and Gina offer some ideas to help you fight back against inflation and keep your retirement plan on track. Visit FinancialLifePlanners.com. Call (800) 239-1525.See omnystudio.com/listener for privacy information.

Financial literacy is key when it comes to building wealth and retiring comfortably. Just because you’ve been a good saver doesn’t always equal success. This week Cynthia and Gina discuss the importance of financial education even after retirement.Visit FinancialLifePlanners.com. Call (800) 239-1525.See omnystudio.com/listener for privacy information.

One way to maintain your lifestyle in retirement is to make sure your plan evolves with you. This week Cynthia and Gina discuss some of the most important things you should consider when planning your retirement, especially as you near the day you hang up your work shoes. Visit FinancialLifePlanners.com. Call (800) 239-1525.See omnystudio.com/listener for privacy information.

There are many outside forces influencing your portfolio. The pandemic, geopolitical events and inflation. If you’re feeling a little nervous about your own retirement Cynthia and Gina offer some tips to help bring that anxiety level down. Visit FinancialLifePlanners.com. Call (800) 239-1525.See omnystudio.com/listener for privacy information.

This week Cynthia and Gina tackle two obstacles regarding inflation: 1, rising prices put stress on fixed income and 2, investing in a retirement plan to keep up with a higher cost of living. Cynthia and Gina offer several potential solutions to help avoid the pain. Visit FinancialLifePlanners.com. Call (800) 239-1525.See omnystudio.com/listener for privacy information.

Retirees aren’t always up to date on every part of the tax code and as a result end up paying more in taxes than necessary. This week Cynthia and Gina offer some tips to make sure more of your nest egg stays with you and not Uncle Sam. Visit FinancialLifePlanners.com. Call (800) 239-1525.See omnystudio.com/listener for privacy information.

We’ve all heard the expression “we don’t know what we don’t know”. In the world of retirement planning what you don’t know can really take a bite out of your portfolio. Cynthia and Gina to the rescue. This week they address some strategies to help you get to retirement and have the lifestyle you’ve always wanted. Visit FinancialLifePlanners.com. Call (800) 239-1525.See omnystudio.com/listener for privacy information.

This week Cynthia opens the show with her take on the current market and how it could be affecting your retirement savings. Then the topic shifts to the Roth IRA and Roth 401(k) and how they provide beneficiaries with a lasting tax free gift. Cynthia and Gina break it down. Visit FinancialLifePlanners.com. Call (800) 239-1525.See omnystudio.com/listener for privacy information.

Saving for retirement is only half the job. The other half is putting that money to work. Financial experts say there are a handful of retirement distribution plans that can be used to stretch money further for a long retirement. This week Cynthia and Gina outline several strategies to help you achieve success in retirement. Visit FinancialLifePlanners.com. Call (800) 239-1525.See omnystudio.com/listener for privacy information.

It seems everybody has advice about retirement. They mean well but sometimes it’s laughable. This week Cynthia and Gina highlight some advice about retirement that you should try to avoid. Two of the biggest are Social Security running out and the old 4% rule is the only way to withdraw your money. These so-called nuggets of wisdom could cost you plenty. Visit FinancialLifePlanners.com. Call (800) 239-1525.See omnystudio.com/listener for privacy information.

Today Cynthia and Gina talk about financial rules of thumb. They are defined as an approximate method for doing something, based on practical experience rather than theory. Rules of thumb are not always true but usually true. They cover everything from index funds to the tried and true rule of 72. Visit FinancialLifePlanners.com. Call (800) 239-1525.See omnystudio.com/listener for privacy information.

Thanks to the economy, the pandemic, and all the other forces brewing in 2022, you’ll want to make extra sure you’ve got your ducks in a row before you waltz off into your golden years. Today Cynthia Fick and Gina White offer some suggestions to help you potentially get to retirement this year. Visit FinancialLifePlanners.com. Call (800) 239-1525.See omnystudio.com/listener for privacy information.

This week Cynthia and Gina outline three potential threats that could impact your retirement savings in 2022. They also have some suggestions that could soften the blow. If you’re in or near retirement you really should hear this. They tackle inflation, taxes and challenges for investors this year. Visit FinancialLifePlanners.com. Call (800) 239-1525.See omnystudio.com/listener for privacy information.

It might be more important than ever to get your retirement savings priorities straight because of the confluence of many national and global events that could happen in 2022. This week Cynthia and Gina take you through why you want to ensure you meet your yearly retirement goals. Visit FinancialLifePlanners.com. Call (800) 239-1525.See omnystudio.com/listener for privacy information.

Saving for retirement is a big job and living longer means we have to save more. This week Cynthia Fick and Gina White offer some tips on how we can manage our savings and stretch our dollars to help make sure we don’t run out of money in retirement. Visit FinancialLifePlanners.com. Call (800) 239-1525.See omnystudio.com/listener for privacy information.

We all know saving for retirement needs to start early. The truth is many of us don’t. There’s still time to get you to retirement with the lifestyle you desire. It starts with a plan and this week Cynthia Fick and Gina White take you through some steps to help get you there. Visit FinancialLifePlanners.com. Call (800) 239-1525.See omnystudio.com/listener for privacy information.

There is an art to properly withdraw from your retirement accounts and, if not done properly, it could cost you money. Marty discusses the right order in which to approach your withdrawal. He also looks at some red flags that could warn of adjustments needed to your current retirement thinking and he offers some tips in giving yourself confidence in spending in retirement. To connect with Cynthia, Gina, and the team at Financial Life Planners, just call (800) 239-1525See omnystudio.com/listener for privacy information.

The 5.4% rise in the consumer price index in the last year marked the highest inflation in almost 13 years. If you remember the soaring, double-digit inflation rates of the 1970s, you may be worried now. In this episode, Cynthia and Gina discuss ways to stress test your retirement nest egg and offer action steps to take to relieve the stress. To connect with Cynthia, Gina, and the team at Financial Life Planners, just call (800) 239-1525See omnystudio.com/listener for privacy information.

Making the transition from working and saving to retiring and spending is a big deal. What happens to your plan if the market goes sideways? We also discuss what happens to that 401(k) you've been paying into for all those years. You've got four choices: Leave it there, move to your new employer, roll it into your own IRA, or cash out and take the money. Let's break down our options. To connect with Cynthia, Gina, and the team at Financial Life Planners, just call (800) 239-1525See omnystudio.com/listener for privacy information.