Retire Your Way with Ben Heizer

This week on Retire Your Way, Ben Heizer shares how to prepare for success in all retirement phases, stages and the foolproof way to prevent overspending in the first five years after retiring. When was the last time you revised your retirement plan? Is it time to make adjustments to those pandemic protection failsafes? Ben will go over practical retirement planning for couples and designing your retirement plan to best serve you and your family in the long game. Call or text Ben and his team at 800-491-9401 or visit his website at heizerfinancial.com.See omnystudio.com/listener for privacy information.

Ben explains what should be considered in formulating your retirement plan including knowing your vision, your day-to-day expenses, reviewing your assets, your risk, and your potential tax liability. The conversation then moves to options available with your old 401(k) and mistakes to avoid helping to make sure you don’t run out of money in retirement. You can reach Ben Heizer by calling 800-491-9401. Heizer Financial GroupSee omnystudio.com/listener for privacy information.

Ben covers the topic everybody’s talking about and that’s inflation. He talks about the need to have a growth aspect in your retirement plan, planning for healthcare costs, and even touches on TIPS and I-bonds. He then moves into some frequently asked questions on cryptocurrency and discusses whether or not it should be included in your retirement and by how much. He closes by going through the different phases of retirement to pre-retirement planning, the big day, the honeymoon phase, and creating your new retirement identity. You can reach Ben Heizer by calling 800-491-9401. Heizer Financial GroupSee omnystudio.com/listener for privacy information.

Ben stresses the importance of proper financial knowledge and in knowing what to expect when it comes to retirement planning. He also covers how retirement accounts and dividend stocks can be a great pairing and then goes over some basics to consider as you approach retirement such as time horizon, income needs, risk tolerance, estate planning, and long-term care protection. You can reach Ben Heizer by calling 800-491-9401. Heizer Financial GroupSee omnystudio.com/listener for privacy information.

Ben goes over what should be considered when nearing retirement such as taking advantage of catch-up contributions, looking at your investment strategies, and making decisions about your Social Security. The discussion then moves into fortifying your portfolio and your retirement plan during times of market volatility and five mistakes to steer clear of when considering your retirement plan. You can reach Ben Heizer by calling 800-491-9401. Heizer Financial GroupSee omnystudio.com/listener for privacy information.

Ben breaks down the cumulative impact of federal and state taxes in retirement looking at Traditional IRAs and 401(k)s, Social Security, pension, annuities, and dividends. He also provides and update on Secure Act 2.0 and the proposed provisions as they stand now as this legislation works its way through Congress. You can reach Ben Heizer by calling 800-491-9401. Heizer Financial GroupSee omnystudio.com/listener for privacy information.

There’s so much going on in the economy to cause anxiety and especially for those nearing or in retirement. Ben offers some tips to help bring that anxiety down. He also tackles inflation with survival strategies and answers some frequently asked questions about annuities. You can reach Ben Heizer by calling 800-491-9401. Heizer Financial GroupSee omnystudio.com/listener for privacy information.

Ben outlines three tax strategies to help you keep more of what you’ve saved over the years. He then moves into the challenges we face such as high inflation and market volatility and the moves to help you navigate to and through your retirement such as generating lifetime income, proactive health care and tax strategies, and proper estate planning. You can reach Ben Heizer at 800-491-9401. Heizer Financial GroupSee omnystudio.com/listener for privacy information.

Taxes follow you into retirement. How do you make sure you pay only your fair share? Ben addresses many things to consider regarding taxes in retirement such as lost tax deductions, income strategies, Social Security tax rules, and components that are and are not subject to taxation. He stays on the tax theme with looking at the proactive strategy of utilizing the Roth IRA and then covers risks in retirement from longevity to health care and sequence of returns risk. You can reach Ben Heizer by calling 800-491-9401. Heizer Financial GroupSee omnystudio.com/listener for privacy information.

Does cryptocurrency belong in your retirement portfolio. Ben takes a close look at crypto and if or how to include it in your plan. He covers retirement planning strategies for those who started a little late and stresses that retirement planning of today is different from that of our parents’ generation. You can reach Ben Heizer by calling 800-491-9401. Heizer Financial GroupSee omnystudio.com/listener for privacy information.

Knowledge is power and Ben examines some things that retirees and pre-retirees don’t know that they don’t know. Three areas of insufficient knowledge are how much growth is needed to factor inflation, how much income Social Security will provide, and how much to safely withdraw. Ben also goes over some tax benefits for those 50 and older and warns of expenses that could put a dent in your retirement savings. You can reach Ben Heizer by calling 800-491-9401. Heizer Financial GroupSee omnystudio.com/listener for privacy information.

Ben focuses on the age of 65 and how that can be a pivotal year for people whether they’re retired or not. He then dives into retirement investment strategies in explaining how they can and maybe should change and the importance of looking at a possible rebalance in times of market volatility. You can reach Ben Heizer by calling 800-491-9401. Heizer Financial GroupSee omnystudio.com/listener for privacy information.

Do you have the right answers to important questions to help determine if you are ready for retirement? Ben covers three of those questions. Roth IRAs are part of the discussion and the proper legacy strategies with a Roth plus mistakes to avoid. Ben displays how the little things in retirement savings could make a big difference and offers some simple tips. You can reach Ben Heizer by calling 800-491-9401. Heizer Financial GroupSee omnystudio.com/listener for privacy information.

The distribution phase of retirement can be complicated. Ben covers some retirement distribution strategies to consider. He covers some important things to consider while utilizing your 401(k) and good strategies with that and other retirement saving tools and options. What are red flags you may be missing on your road to retirement? Ben goes over a list of those and offers some solutions that could help you get back on track. You can reach Ben Heizer by calling 800-491-9401. Heizer Financial GroupSee omnystudio.com/listener for privacy information.

There are many people who may want to give “well-intentioned” but questionable tips on retirement. Ben stresses the importance of consulting a professional before making any decisions and he covers some commonly given questionable advice. He also covers how retirement planning can be different for women and he highlights some retirement mistakes to avoid. You can reach Ben Heizer by calling 800-491-9401. Heizer Financial GroupSee omnystudio.com/listener for privacy information.

Rules of thumb are approximate methods for doing something and certainly may need to be tweaked to adapt to changing times and situations. Ben discusses some investment and retirement rules of thumb everyone should know. He also breaks down retirement planning for couples and how each spouse may view retirement differently. He then covers much of what needs to be considered for retirement planning and how the strategies and line of thinking could be unique to that stage of your life. You can reach Ben Heizer by calling 800-491-9401. Heizer Financial GroupSee omnystudio.com/listener for privacy information.

Inflation, taxes, and investment challenges are three major threats that could impact your retirement. Ben offers suggestions of protection and proactive measures that can be implemented. He also discusses planning long term for retirement to help alleviate the risk of longevity and explain why the help of a professional is so critical in today’s retirement planning. You can reach Ben Heizer by calling 800-491-9401. Heizer Financial GroupSee omnystudio.com/listener for privacy information.

No one can accurately predict the next bear market and when it will occur, but one thing is for sure. You can prepare yourself for it and should if you are approaching retirement. Ben outlines some moves that can help protect your retirement plan. He also outlines ways to supercharge your retirement savings if you got a late start and covers some calculations to consider in helping determine your retirement launch date. You can reach Ben Heizer at Heizer Financial Group by calling 800-491-9401. Heizer Financial GroupSee omnystudio.com/listener for privacy information.

2022 will present some challenges such as inflation and possibly higher interest rates. That’s why our retirement plans need to be robust as we meet those challenges head on. Ben Heizer gives us some things to consider such as tools and strategies to consider to help against inflation, higher interest rates, and possible slower economic growth. He also presents options and strategies to build income streams in retirement and tips to boost your retirement nest egg. You can reach Ben Heizer at Heizer Financial Group buy calling 800-491-9401. Heizer Financial GroupSee omnystudio.com/listener for privacy information.

Rising inflation and market volatility continue to be a concern. Part of the discussion centers around the importance of considering the effect of the stock market on your retirement savings. Ben also offers ideas and strategies to maximize your 401(k) and outline some important decisions you’ll face related to your spending and income sources in retirement. You can reach Ben Heizer at Heizer Financial Group by calling 800-491-9401. Heizer Financial GroupSee omnystudio.com/listener for privacy information.

Retirement risk worries loom large as we face inflation and uncertainty in the markets.  Ben Heizer covers what should be considered in safeguarding your retirement.  He also outlines some good proactive strategies that can help in securing as tax free a retirement as possible and Ben goes over some commonly asked questions financial professionals get from their clients. You can reach Ben Heizer by calling 800-491-9401. Heizer Financial GroupSee omnystudio.com/listener for privacy information.

There are pros and cons of working in retirement.  Ethan and Doug discuss some of the benefits and drawbacks of making that decision.  They also point out some important things to consider before and during retirement to keep your plan strong.  Finally, the guys explain some changes and proposed changes for Social Security in 2022. You can reach Ben by calling 800-491-9401. Heizer Financial GroupSee omnystudio.com/listener for privacy information.

Planning for today's retirees involves looking at possible tax changes in the future.  Ben discusses how much of your retirement income will be taxable and proactive strategies to help.  Safety in your financial red zone and retirement years is also part of the discussion as well as steps you should not put off in your retirement planning. You can reach Ben Heizer by calling 800-491-9401. Heizer Financial GroupSee omnystudio.com/listener for privacy information.

What are retirement strategies that are somewhat outdated today?  Ben Heizer covers how we should approach mainstays such as the 60/40 split, the 4% rule, and a heavy concentration on dividend stocks.  He also covers some retirement changes on the horizon for 2022 and warns of the potential risks such as longevity, sequence of returns, and long-term care.  There are solutions and they're discussed here. You can reach Ben Heizer by calling 800-491-9401 or by visiting the website below. Heizer Financial GroupSee omnystudio.com/listener for privacy information.

Proper withdrawal strategies in retirement opens the conversation in this podcast.  Ben discusses what savings vehicles you should look at in withdrawals and in what order to put those.   Ben also covers red flags that would indicate your current plan is needs a second opinion.  He then moves into tips on building confidence in your spending in retirement. Heizer Financial Group (800) 491-9401See omnystudio.com/listener for privacy information.

Inflation.  We're feeling it now.  Ben Heizer identifies the problems of inflation in retirement and offers strategies to have in place to make sure your retirement factors in inflation throughout your retirement.   He also explains how he can run your portfolio through a stress test to identify areas that need improvement especially given the fact that people are living longer in retirement now. (800) 491-9401 Heizer Financial GroupSee omnystudio.com/listener for privacy information.

Ben Heizer looks at how to protect your retirement plan if the market goes bonkers, “whoops” or “uh-oh.”  He'll also run through what choices you have if you leave an old job and have a 401(k).  Fall is the time for football, falling leaves, pumpkin spice everything and, reviewing your retirement and income plan.  Eric will take you through what you need to know and much more on this week's show! Call or text Ben and his team at 800-491-9401 or visit his website https://www.heizerfinancial.com/See omnystudio.com/listener for privacy information.

What is SECURE Act 2.0?  Ben Heizer will explain what the proposed legislation could mean for your retirement accounts if it is passed.  Just like the Cher song, we can't turn back time but we can avoid regrets when it comes to planning for your retirement.  Ben will talk about how.  He will also look at some steps you can take to make sure you have a smooth transition into retirement.  Call or text Ben and his team at 800-491-9401 or visit his website https://www.heizerfinancial.com/See omnystudio.com/listener for privacy information.

Ben Heizer has some tips on how to avoid mistakes when inheriting an IRA or 401k.  An unexpected retirement can be overwhelming.  He will discuss what you need to know to deal with this unforeseen situation.  Single?  Well, you are not alone when it comes to planning for your retirement on your own.  Ben will go over important information for the 45.2% of the U.S. population living an independent lifestyle. Call or text Ben and his team at 800-491-9401 or visit his website https://www.heizerfinancial.com/See omnystudio.com/listener for privacy information.

Ben Heizer will look into if it makes sense to add cryptocurrency like Bitcoin to your retirement portfolio.  He'll also look at several withdrawal strategies to keep taxes at a minimum and keep more of your hard earned money.  So you want to retire?  It takes strategic planning to get there and Ben will show you how.  That and so much more!  Call or text Ben and his team at 800-491-9401 or visit his website https://www.heizerfinancial.com/See omnystudio.com/listener for privacy information.

Ben Heizer takes a look at how inflation may impact your retirement.  He also goes over tips like when to start social security and RMD's to keep your finances in excellent shape.  There are so many moving parts of a retirement plan.  Ken will take a step back and look at what you should and shouldn't be doing and so much more! Call or text Ben and his team at 800-491-9401 or visit his website https://www.heizerfinancial.com/See omnystudio.com/listener for privacy information.

On this week's show, Ben Heizer talks about how inflation works and what you can do to combat inflation risk in your retirement plan.  Next, he talks about what you can do with a 401k once you enter into retirement and it's all dependent on your age, when you retire and the rules your company has regarding the 401k. Most people will need some type of long term care as they age.   Ben will talk about long term care insurance alternatives and a lot more.  Call or text Ben and his team at 800-491-9401 or visit his website https://www.heizerfinancial.com/See omnystudio.com/listener for privacy information.

Ben Heizer takes a look to see if you are ready to start your retirement journey sooner.  Over a trillion dollars is left behind in old 401k's.  Yep, you read that right.  Ben will explain what you can do to retrieve yours if you have one and put it to work for you in your retirement.  Think it's hard to save for retirement if you don't have a 401k?  Think again. Ben will give you different options that can put you on the right track to a stress free retirement.   Call or text Ben and his team at 800-491-9401 or visit his website https://www.heizerfinancial.com/See omnystudio.com/listener for privacy information.

Ben Heizer will break down some universal things that apply to baby boomers everywhere.  So, is age 62 when you should take Social Security?  Ben will have some questions you need to answer before making that decision.  And he will have some surprising truths when it comes to how much we are really saving for retirement and a lot more!  Call or text Ben and his team at 800-491-9401 or visit his website https://www.heizerfinancial.com/See omnystudio.com/listener for privacy information.

Ben Heizer talks about how doing some work in advance of your retirement can keep taxes low or best yet, avoid them altogether.  He'll explain. Once you hit 50, it's time to buckle down and get serious about retirement.  Ben will have tips to help you.  He will also have some things you may be doing to sabotage your retirement and not even know it.  That and more!   Call or text Ben and his team at 800-491-9401 or visit his website https://www.heizerfinancial.com/See omnystudio.com/listener for privacy information.

Coming up on this week's show, Ben Heizer has some tax savings strategies for your retirement.  He also has some simple steps that can help you jump start your retirement savings as you get closer to your target date. Ben will also take a look at a Morningstar report with some great retirement savings tips that have been gathered over the years.  That and a lot more Call or text Ben and his team at 800-491-9401 or visit his website https://www.heizerfinancial.com/See omnystudio.com/listener for privacy information.

Ben Heizer will talk about six retirement stressors on this week's show, including average and actual returns. He also talks about four things can sabotage your retirement plans, including not taking advantage of your employer's 401k match.  He'll also talk about how much retirement is about spending as it is about saving.  That and much more!  Call or text Ben and his team at 800-491-9401 or visit his website https://www.heizerfinancial.com/See omnystudio.com/listener for privacy information.

Is there such a thing as a “happy retirement plan”  Believe it or not, there is and on this week's show, Ben Heizer  will tell you how you can get one!  He'll also separate facts from fiction when it comes to how much you need to have saved for such things like healthcare expenses.  So, you have been saving and have a plan.  Great!  You may be ready right now to take the plunge and retire.      Ben will give some tips on how to know if you are ready to go  That and so much more!  Call or text Ben and his team at 800-491-9401 or visit his website https://www.heizerfinancial.com/See omnystudio.com/listener for privacy information.

Ben Heizer talks about the three things you need to have as you navigate the next phase of your life.  He'll also outline some things to keep in mind to make your retirement plan better, how to have the best retirement distribution plan and a lot more! Call or text Ben and his team at 800-491-9401 or visit his website https://www.heizerfinancial.com/See omnystudio.com/listener for privacy information.

On this week's show, Ben Heizer will show you the areas that can help your retirement be successful.  He'll also show you how to make sure you are on the right track with the best retirement plan for you and give you tips on realistic retirement planning strategies and a lot more! Call or text Ben and his team at 800-491-9401 or visit his website https://www.heizerfinancial.com/See omnystudio.com/listener for privacy information.

On this week's show,  Ben Heizer will highlight some retirement milestones and why you should celebrate them.  He will also go over some strategies to position yourself into a tax efficient retirement.  No 401k?  No problem!    He will go over options that you can use to save for retirement, even if you are self employed and a lot more!  Call or text Ben and his team at 800-491-9401 or visit his website https://www.heizerfinancial.com/See omnystudio.com/listener for privacy information.

On this week's show, Ben Heizer will highlight some retirement milestones and why you should celebrate them.  He will also go over some strategies to position yourself into a tax efficient retirement.  No 401k?  No problem!    He will go over options that you can use to save for retirement, even if you are self employed and a lot more!  Call or text Ben and his team at 800-491-9401 or visit his website https://www.heizerfinancial.com/See omnystudio.com/listener for privacy information.

Coming up on this week's show, Ben Heizer explains what you need to know about Secure Act 2.0 and why it has a good possibility of passing in Congress.  Economic experts say we had a recession of sorts when COVID-19 hit last year but will we have a longer one sooner than later?  He will give us the scoop on that.  Plus, he will also talk about expenses in retirement and why it is so important to have a plan in place and so much more! Call or text Ben and his team at 800-491-9401 or visit his website https://www.heizerfinancial.com/See omnystudio.com/listener for privacy information.

Coming up on this week's show, Ben Heizer will give you the steps on how to have a smooth transition into retirement and  it all begins with a plan.  Losing a spouse is never easy and that includes making financial decisions.  He'll explain how not to make costly mistakes when going through that difficult time.   Ben will also take a look at some common risks and see if they are worth taking and a whole lot more!   Call or text Ben and his team at 800-491-9401 or visit his website https://www.heizerfinancial.com/See omnystudio.com/listener for privacy information.

Money is definitely important when it comes to your retirement years but it's not everything. Ben Heizer will outline a few secrets that could lead to a happy retirement.  He will also discuss how not taking taxes into consideration could wreck your retirement and how knowing about annuities can complement your retirement portfolio.  He'll break that down and more!    Call or text Ben and his team at 800-491-9401 or visit his website https://www.heizerfinancial.com/See omnystudio.com/listener for privacy information.

On this week's show, Ben Heizer will break down some retirement “truth bombs” that will help avoid a financial crunch down the line; he will also take a look at a study of those who plan to delay and to accelerate their retirement and how you may relate; having a 401K is a good thing but Ben  is going show you how a Roth IRA can complement it and a lot more!!   Call or text Ben and his team at 800-491-9401 or visit his website https://www.heizerfinancial.com/See omnystudio.com/listener for privacy information.

Ben Heizer looks into how you can retire with easy during uncertain times; he will also look at ways to simplify the process of retirement, eliminating the confusion and finding out if you are really ready for retirement and a lot more!    Call or text Ben and his team at 800-491-9401 or visit his website https://www.heizerfinancial.com/    See omnystudio.com/listener for privacy information.