Retired and Free

Ep 005 - Perspective Is Power o In this episode Pedro shares about the power of perspective o Pedro defines perspective as the lens through which we see the world o HOW we see affects WHAT we see o Old lady vs. Young Lady o Most people Pedro sees are operating under financial myths o No risk no reward? o Pedro then closes by sharing one of the most valuable things he does for his clients--helping give them a powerful perspective OUTLINE OF EPISODE OF RETIRED AND FREE [1:42] How We See Affects What We See [2:50] Image [5:45] Most People Pedro Sees [11:09] One Of The Most Valuable Things Thanks for listening to the show! Pedro Adao Visit our website for more information on becoming Retired and Free: www.retiredandfree.com LIKE us on Facebook > www.facebook.com/retiredandfree Let us know how you like the show at pedro@retiredandfree.com Review our show on iTunes: itunes.apple.com/us/podcast/id1316789011# DISCLAIMER: Opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance references are historical and do not guarantee future events.

Ep 004 - When Is A Number Just A Number? o In this episode Pedro shares about a conversation he had with a potential client in which he took away some value insight o Pedro shares about how having the lifestyle you want as soon as possible is the right goal o So often we don't actually know what we want so we set the wrong goals o Pedro poses the thought that what you might really want or need isn't related to the number on the paper, but having an understanding of what you could accomplish with what you already have o Ask the question, can I create the lifestyle I really want with what I have today? o Pedro suggests that if there is good planning, you can be prepared to lead the life you want in retirement OUTLINE OF EPISODE OF RETIRED AND FREE [1:03] Client Conversation [3:24] Do You Know What You Want? [6:14] Better Strategy [9:55] Pedro's Role Thanks for listening to the show! Pedro Adao Visit our website for more information on becoming Retired and Free: www.retiredandfree.com LIKE us on Facebook > www.facebook.com/retiredandfree Let us know how you like the show at pedro@retiredandfree.com Review our show on iTunes: itunes.apple.com/us/podcast/id1316789011# DISCLAIMER: Opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance references are historical and do not guarantee future events.

Ep 003 - Is Retirement Stressing You Out? • In this episode Pedro asks the question, is retirement stressing you out? • The last thing we want is to be stressed in retirement • 60% of stressful life events happen in retirement • Take 5-10 mins to take this stress survey • Pedro’s goal in this episode is to create access to information to help you overcome stress and live freely in retirement • Homework: take the Holmes Ray Life Stress Inventory (https://www.stress.org/holmes-rahe-stress-inventory/ ) OUTLINE OF EPISODE OF RETIRED AND FREE [0:40] Is Retirement Stressing You Out? [1:25] Holmes Ray Life Stress Study [5:25] Awareness [6:20] Homework Thanks for listening to the show! Pedro Adao Visit our website for more information on becoming Retired and Free: www.retiredandfree.com LIKE us on Facebook > www.facebook.com/retiredandfree Let us know how you like the show at pedro@retiredandfree.com Review our show on iTunes: itunes.apple.com/us/podcast/id1316789011# DISCLAIMER: Opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance references are historical and do not guarantee future events.

Ep 002 - Do You Have Holes in Your Buckets? • In this episode, Pedro aims to help simplify complex financial questions and educate you as a consumer • The bucket analogy: • Most people have been saving money in retirement accounts or buckets • Most don’t realize that their buckets often have holes in the bottom • Pedro explains there are three major holes he has come across in his experience working with clients: risk, fees and taxes • Risk: the stock market is at an all-time high • Crucial to assess how much risk is present in your bucket • Fees: most people do not know how much they are paying in fees • Understanding how much fees you are actually paying is critically important to knowing how much money is going in and out of your retirement bucket • Taxes: when it is time to pull money out, Uncle Same will be there waiting • Pedro’s goal is to help reduce, eliminate or mitigate those holes in the retirement bucket to save your money. • Homework: “to what extent do you think you are exposed to the three holes in the bucket we talked about today—risk, fees, and taxes? Is it time to get a new bucket?” OUTLINE OF THIS EPISODE OF RETIRED + FREE • [ 1:08] The Bucket Metaphor • [ 3:22] The Problem with Our Industry • [ 3:55] The Holes in Your Bucket • [ 4:20] Risk • [ 5:43] Fees • [7:24] Taxes • [9:20] Homework Thanks for listening to the show! Pedro Adao Visit our website for more information on becoming Retired and Free: http://www.retiredandfree.com LIKE us on Facebook > http://www.facebook.com/retiredandfree Let us know how you like the show at pedro@retiredandfree.com Review our show on iTunes: https://itunes.apple.com/us/podcast/id1316789011# DISCLAIMER: Opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance references are historical and do not guarantee future events.

Ep 001 - Retirement. Who's Idea Was This Anyway? • In this episode Pedro talks about the history of retirement and how it became what it is today • Retirement is still a relatively new concept • Invented in 1880 • Brought to America in 1935 • Social Security was invented as a way to transition the previous generation out of employment • Pedro asks some pointed question to help you begin to think differently about retirement • He encourages you to confront the idea of checking out of our obligations to be good stewards of our time, energy, gifts and talents. • Homework: where and how have you thought about social security and your retirement that might be disempowering? OUTLINE OF THIS EPISODE OF RETIRED + FREE [ 1:35] History of Retirement [ 3:53] Retirement comes to America [ 6:00] Retirement Strike [ 6:40] Displacement [ 8:30] Question to You [ 10:30] Homework Thanks for listening to the show! - Pedro Adao Visit our website for more information on becoming Retired and Free: http://www.retiredandfree.com LIKE us on Facebook > http://www.facebook.com/retiredandfree Let us know how you like the show at pedro@retiredandfree.com Review our show on iTunes: https://itunes.apple.com/us/podcast/id1316789011# DISCLAIMER: Opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance references are historical and do not guarantee future events.

Ep 000 - What is Retired and Free? • In this episode, Pedro address two very important elements to “having it all” in retirement • Financial certainty • Fulfillment • Financial certainty is having a clear understanding of what is happening with your money and not relying only on advisors or firms holding your money • Pedro defines fulfillment as by asking the question, “does your life have purpose, meaning and passion?” • Who is this podcast for? • Pedro shares that this podcast is both for people how are already retired and those on their way to retirement • Who is this podcast not for? • this podcast is not for people who believe they know everything there is to know about financial matters, investments, and retirement • Goal of Retired and Free—to level the playing field between Wall St. and Main St. OUTLINE OF THIS EPISODE OF RETIRED + FREE [ 1:13] Financial certainty [ 1:39] Fulfilment [ 3:10] Who is this podcast for? [ 5:04] Who is this podcast not for? [ 7:42] Birth of Retired and Free Subscribe and review the show on iTunes. Share this show with others who would like to be Retired and Free! http://www.retiredandfree.com http://www.facebook.com/retiredandfree DISCLAIMER: Opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance references are historical and do not guarantee future events.