One Minute Retirement Tip with Ashley

If you have followed the strategies in this series, a market downturn does not just become survivable. It becomes an opportunity. This is the episode about playing offense when others are panicking.

Don't Retire With the Wrong Portfolio One of the most avoidable mistakes in retirement planning is carrying a growth-heavy, stock-concentrated portfolio right up to and into retirement. What worked when you were 40 and decades away from needing the money is a completely different risk profile at 62 or 65 when withdrawals are starting.

Don't Retire With the Wrong Portfolio One of the most avoidable mistakes in retirement planning is carrying a growth-heavy, stock-concentrated portfolio right up to and into retirement. What worked when you were 40 and decades away from needing the money is a completely different risk profile at 62 or 65 when withdrawals are starting.

The single most important thing you can do before and during retirement is ensure you have enough liquid, accessible funds to stop portfolio withdrawals when markets turn down. This episode breaks down the specific framework for doing that.

Most people think about investment risk in terms of averages. If your portfolio earns 7 percent on average over 30 years, you should be fine, right? Not necessarily. Sequence of returns risk is the danger that the timing of your returns, not just the average, can make or break your retirement.

Welcome to the Retirement Quick Tips Podcast, your daily guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week's topic is: What Happens If You Retire at the Wrong Time?

Welcome to the Retirement Quick Tips Podcast, your daily guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week's topic is: Your Tax Return Is a Goldmine - Don't Just File It and Forget It.

Welcome to the Retirement Quick Tips Podcast, your daily guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week's topic is: Your Tax Return Is a Goldmine - Don't Just File It and Forget It.

Welcome to the Retirement Quick Tips Podcast, your daily guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week's topic is: Your Tax Return Is a Goldmine - Don't Just File It and Forget It.

Welcome to the Retirement Quick Tips Podcast, your daily guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week's topic is: Your Tax Return Is a Goldmine - Don't Just File It and Forget It.

Welcome to the Retirement Quick Tips Podcast, your daily guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week's topic is: Your Tax Return Is a Goldmine - Don't Just File It and Forget It.

Welcome to the Retirement Quick Tips Podcast, your daily guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week's topic is: Your Tax Return Is a Goldmine - Don't Just File It and Forget It.

Welcome to the Retirement Quick Tips Podcast, your daily guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week's topic is: Your Tax Return Is a Goldmine - Don't Just File It and Forget It.

Welcome to The Retirement Quick Tips Podcast, your daily guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week's topic is: The Top 10% of Retirees: How Much Is Enough?

Welcome to The Retirement Quick Tips Podcast, your daily guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week's topic is: Oil, Iran, and a Rocky Quarter: Your Q1 2026 Market Debrief

It's Sunday and I'm wrapping up the week by summarizing this week's theme: The Hidden Tax Traps in Retirement  In case you missed any episodes this week…

This week's theme on the Retirement Quick Tips podcast is The Hidden Tax Traps in Retirement Today, I'm talking about the trap of social security taxes in retirement.  

This week's theme on the Retirement Quick Tips podcast is The Hidden Tax Traps in Retirement Today, I'm talking about the widow's penalty, which is when a surviving spouse goes from Married Filing Jointly to Single.

This week's theme on the Retirement Quick Tips podcast is The Hidden Tax Traps in Retirement Today, I'm talking about required minimum distributions. Talk to any retiree in their mid 70s with a large 401k or Traditional IRA balance, and you'll no doubt hear them grumble about their required minimum distributions, or RMDs.

This week's theme on the Retirement Quick Tips podcast is The Hidden Tax Traps in RetirementToday, I'm talking about IRMAA (Income-Related Monthly Adjustment Amount). It's an additional surcharge added to Medicare Part B and Part D premiums if you have higher income. IF you're single, IRMAA kicks in above $109k in income. If you're married, it kicks in above $218 of income.

This week's theme on the Retirement Quick Tips podcast is The Hidden Tax Traps in Retirement Today, I'm talking about 3 tax traps that most people tend to forget about: Net Investment Income Tax (NIIT)   

Welcome to The Retirement Quick Tips Podcast, your daily guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week's topic is: The Hidden Tax Traps in Retirement No One Talks About

It's Sunday and I'm wrapping up the week by summarizing this week's theme: Fix My Portfolio

This week's theme on the Retirement Quick Tips podcast is fix my portfolio. I'm rating your real-life investment portfolios and sharing with you my perspective and suggestions.  Today's portfolio comes from Cecilia Age = 60 Time to retirement = just retired last month Allocation to stocks (54%), bonds (32%), cash (14%)

This week's theme on the Retirement Quick Tips podcast is fix my portfolio. I'm rating your real-life investment portfolios and sharing with you my perspective and suggestions.  Today's portfolio comes from Edward Age = 76 Time to retirement = just retired - wife is 62 and plans to continue working ~5 more years Allocation to stocks (63%), bonds (14%), cash (23%)

This week's theme on the Retirement Quick Tips podcast is fix my portfolio. I'm rating your real-life investment portfolios and sharing with you my perspective and suggestions.  Today's portfolio comes from Benjamin Age = 59 Time to retirement = retired, takes income from investment portfolio, and does part time consulting work Allocation to stocks (74%), bonds (23%), cash (2%), other (1%) - small amount in metals and bitcoin Portfolio concentrations = 1 volatile, untested tech stock = 23% of the portfolio

This week's theme on the Retirement Quick Tips podcast is fix my portfolio. I'm rating your real-life investment portfolios and sharing with you my perspective and suggestions.  Today's portfolio comes from Patrick Age = 70 Time to retirement = been retired for several years  Allocation to stocks (90%), bonds (9%), cash (1%) Other things to know: Very high net worth (~$15 million and very low spend rate on assets)

This week's theme on the Retirement Quick Tips podcast is fix my portfolio. I'm rating your real-life investment portfolios and sharing with you my perspective and suggestions.  Today's portfolio comes from Bridget Age = 66 Time to retirement = already retired for a few years Allocation to stocks (20%), bonds (30%), cash (50%)

Welcome to The Retirement Quick Tips Podcast, your daily guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week's topic is: Fix My Portfolio

Welcome to The Retirement Quick Tips Podcast, your daily guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week, I'm talking about: Iran Conflict: What It Means for Markets, Inflation, and Your Retirement

It's Sunday and I'm wrapping up the week by summarizing this week's theme: Smart Splurges: The Things I Love Spending Money On In case you missed any episodes this week, I shared examples of where I gladly spend money, including buying back time through outsourcing tasks, investing in my health to maximize my healthspan, and prioritizing meaningful time and experiences with the people I love.

This week on the Retirement Quick Tips podcast, I'm talking about Smart Splurges: The Things I Love Spending Money On So far this week, I've talked about some of the areas where I think it's smart to spend:  Buying back time Optimizing health Spending quality time and creating memories with family and friends So hopefully the examples I've given of my favorite smart splurges have got you thinking about where it makes sense to spend lavishly. In order to use money in a way that increases contentment and happiness, it's important to spend in a way that is consistent with what you value most.  So I want to revisit questions I asked earlier this week

This week on the Retirement Quick Tips podcast, I'm talking about Smart Splurges: The Things I Love Spending Money On. Today, I'm talking about spending money to improve your health. When it comes to healthcare spending, I really think of it as an investment. I'm less focused on maximizing lifespan and more focused on maximizing healthspan—the number of years you're healthy, active, and able to enjoy life.

This week on the Retirement Quick Tips podcast, I'm talking about Smart Splurges: The Things I Love Spending Money On Today, I'm talking about splurges on memories, not stuff.

This week on the Retirement Quick Tips podcast, I'm talking about Smart Splurges: The Things I Love Spending Money On. Today, I'm talking about spending money to buy back your time. The older I get, the more I realize how valuable time really is. And the older we get, the less of it we have, which makes it even more important not to waste it.

This week on the Retirement Quick Tips podcast, I'm talking about Smart Splurges: The Things I Love Spending Money On According to a recent survey by Motley Fool Money, today's retirees splurge too! The top wasteful things today's retirees spend money on are food, utilities, and lottery tickets. Baby boomers are more likely than the average consumer to waste food by throwing out leftovers or expired items, to leave appliances or utilities running unnecessarily, to buy brand-name pantry items and to buy lottery tickets.

Welcome to The Retirement Quick Tips Podcast, your daily guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week, I'm talking about: Smart Splurges: The Things I Love Spending Money On

It's Sunday and I'm wrapping up the week by summarizing this week's theme: Financially Secure, Not Flashy: The Quiet Millionaire Formula for Retirement In case you missed any episodes this week, here's what we covered.

This week we've been talking about the quiet millionaire formula for retirement.

This week we're talking about the quiet millionaire formula for retirement. Today I want to talk about some of the lifestyle habits I often see among financially secure people.

This week we're talking about the quiet millionaire formula for retirement.

This week we're talking about the quiet millionaire formula for retirement. So what exactly is a quiet millionaire?

Welcome to The Retirement Quick Tips Podcast, your daily guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week I'm talking about the benefits of practicing quiet wealth, and why it's important—especially for retirees—to be intentional about being quiet with our money.

This week on the Retirement Quick Tips podcast, I'm talking about When You Shouldn't Delay Social Security: 5 Smart Reasons to Claim Early Today, I'm talking about the final scenario worth considering when deciding whether or not to start social security earlier rather than later - which is to smooth out your lifetime tax liability in retirement.

This week on the Retirement Quick Tips podcast, I'm talking about When You Shouldn't Delay Social Security: 5 Smart Reasons to Claim Early Today, I'm talking about the final scenario worth considering when deciding whether or not to start social security earlier rather than later - which is to smooth out your lifetime tax liability in retirement.

This week on the Retirement Quick Tips podcast, I'm talking about When You Shouldn't Delay Social Security: 5 Smart Reasons to Claim Early Today, I'm talking about reason #4 to start social security earlier - that is to avoid spending down your assets.

This week on the Retirement Quick Tips podcast, I'm talking about When You Shouldn't Delay Social Security: 5 Smart Reasons to Claim Early Today, I'm talking about claiming early when you don't expect to live long enough to benefit from a delay in waiting.

This week on the Retirement Quick Tips podcast, I'm talking about When You Shouldn't Delay Social Security: 5 Smart Reasons to Claim Early Yesterday, I talked about how there could be several benefits - including more predictable income and tax scenarios in retirement from high net worth individuals claiming earlier rather than later. This flies in the face of conventional advice, and can be overly simplistic for the millions of married couples who are trying to decide how and when to claim social security.  So today, I'm talking about scenarios where married couples can benefit from claiming earlier.

This week on the Retirement Quick Tips podcast, I'm talking about When You Shouldn't Delay Social Security: 5 Smart Reasons to Claim Early Today, I'm talking about the findings from a 2025 Vanguard research report: "Claiming Social Security early: A spectrum of breakeven and longevity risks"

Welcome to The Retirement Quick Tips Podcast, your daily guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week, I'm talking about: When You Shouldn't Delay Social Security: 5 Smart Reasons to Claim Early

Welcome to The Retirement Quick Tips Podcast, your daily guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week, I'm talking about what to do if you're laid off right before retirement. You planned to work another couple years, but you got your pink slip instead. What do you do when your timeline for retirement is completely upended?  This week's theme is just a single episode, so if you're listening on Alexa, be sure to listen online or on another platform for the complete, unedited version of this week's episode. And if you're new to the podcast - welcome! I'm a financial advisor and co-owner of True North Retirement Advisors. For the last 18 years, I've helped my clients make a plan and build wealth for a confident and fulfilling retirement, and this podcast is dedicated to helping you do the same!  In the last couple months, I've had 2 clients who were laid off only a couple years from their retirement. One after working at the same employer for the last 40 years. It's a scary time filled with a lot of questions - do I need to find another job? Will anyone hire me at this age? Can I afford to retire earlier than I expected?  So in today's episode, I'm going to walk you through the steps to take if you find yourself unexpectedly laid off in the crucial couple of years before retirement. So let's get into it…