The Atomic Retirement

The market is falling—again. So what should you actually do when things get rocky?In this episode, you'll hear a simple, practical playbook for staying calm, staying invested, and making smart moves during market downturns. Backed by 150+ years of market history and real investor behavior, you'll learn why crashes aren't as rare (or as scary) as they seem—and six proactive things you can do to come out stronger on the other side.If you've ever asked yourself, “Should I be doing something right now?”—this episode is for you.Episode ResourcesWhat We've Learned From 150 Years of Stock Market CrashesFear & Greed IndexS&P 500 Price Return and Dividends Since 1960Don't Miss Out: Smart Retirement Savers Read Atomic IdeasWant weekly tips to make smarter financial decisions? Subscribe to Atomic Ideas, a free newsletter packed with timely market insights, helpful visuals, and proven retirement strategies.Get Atomic IdeasReady to Create Your Atomic Retirement?Take the next step! Schedule your FREE 20-minute Atomic Retirement Roadmap appointment today. What's included? Tax Return ReviewInvestment Check-UpRetirement Income AnalysisGet Your Free Atomic Retirement RoadmapShare Your ThoughtsEnjoyed this episode? Please leave a review and share it with someone who's planning for retirement.

Most people think they've done everything right by saving in a traditional IRA or 401(k). But what if I told you that a big portion of your retirement savings actually belongs to the IRS?In this episode, we'll break down a recent CNBC article featuring insights from IRA expert Ed Slott, who calls traditional IRAs "the worst possible asset" for retirement.Here's what you'll learn: ✔️ Why your IRA is an IOU to the IRS✔️ How Required Minimum Distributions (RMDs) can push you into higher tax brackets✔️ When a Roth conversion makes sense✔️ The importance of building tax diversification with Roth accounts and brokerage accountsIf you want to keep more of your hard-earned wealth and pay less in taxes in retirement, this is one episode you don't want to miss.Episode ResourcesCNBC Article Don't Miss Out: Smart Retirement Savers Read Atomic IdeasWant weekly tips to make smarter financial decisions? Subscribe to Atomic Ideas, a free newsletter packed with timely market insights, helpful visuals, and proven retirement strategies.Get Atomic IdeasReady to Create Your Atomic Retirement?Take the next step! Schedule your FREE 20-minute Atomic Retirement Roadmap appointment today. What's included? Tax Return ReviewInvestment Check-UpRetirement Income AnalysisGet Your Free Atomic Retirement RoadmapShare Your ThoughtsEnjoyed this episode? Please leave a review and share it with someone who's planning for retirement.

Think you know how taxes work? Some of the most common tax "facts" people believe are actually costing them money.In this episode, we're diving into 10 of the biggest tax myths to set the record straight. We'll cover:✅ Why being in a higher tax bracket doesn't mean all your income is taxed at that rate✅ The reason many retirees end up paying more in taxes than expected✅ The truth about Social Security taxes, inheritance taxes, and tax refunds✅ How simple tax misunderstandings can lead to big penalties and missed savings✅ What you can do right now to avoid common tax trapsIf you want to keep more of your hard-earned money and avoid unnecessary tax surprises, this episode is for you. Episode Resources10 Common Tax Myths DebunkedBetter Business BureauDirectory of Federal Tax Return PreparersHow to Detect and Block Spam Callers on an iPhoneDon't Miss Out: Smart Retirement Savers Read Atomic IdeasWant weekly tips to make smarter financial decisions? Subscribe to Atomic Ideas, a free newsletter packed with timely market insights, helpful visuals, and proven retirement strategies.Get Atomic IdeasReady to Create Your Atomic Retirement?Take the next step! Schedule your FREE 20-minute Atomic Retirement Roadmap appointment today. What's included? Tax Return ReviewInvestment Check-UpRetirement Income AnalysisGet Your Free Atomic Retirement RoadmapShare Your ThoughtsEnjoyed this episode? Please leave a review and share it with someone who's planning for retirement!

Most retirees don't realize just how valuable Social Security can be—or how much strategy goes into maximizing those benefits.In this episode, we break down a real-life case study of a couple I work with, let's call them James and Elizabeth. Thanks to a smart claiming strategy, they're projected to collect over $2.4 million in lifetime Social Security benefits. We'll walk through:✔️ Why the higher-earning spouse should consider delaying benefits✔️ How spousal and survivor benefits can significantly boost lifetime income✔️ The impact of cost-of-living adjustments (COLAs) on long-term benefits✔️ How to check your Social Security statement and calculate your own benefitsAre you making the most of your Social Security? Learn how to run your own numbers and avoid leaving money on the table.Episode ResourcesSocial Security AdministrationDon't Miss Out: Smart Retirement Savers Read Atomic IdeasWant weekly tips to make smarter financial decisions? Subscribe to Atomic Ideas, a free newsletter packed with timely market insights, helpful visuals, and proven retirement strategies.Get Atomic IdeasReady to Create Your Atomic Retirement?Take the next step! Schedule your FREE 20-minute Atomic Retirement Roadmap appointment today. What's included? Tax Return ReviewInvestment Check-UpRetirement Income AnalysisGet Your Free Atomic Retirement RoadmapShare Your ThoughtsEnjoyed this episode? Please leave a review and share it with someone who's planning for retirement!

Freezing your credit is one of the easiest and most effective ways to protect yourself from fraud and identity theft, and the best part? It's free and only takes 15 minutes. In this episode of The Atomic Retirement Podcast, you'll learn:✅ What a credit freeze is and how it helps protect you from fraud✅ Step-by-step instructions on how to freeze your credit at all three major bureaus✅ Additional ways to protect yourself from fraud, scams, and data breachesWith data breaches happening daily and identity theft on the rise, taking a few minutes today can save you months or years of financial headaches.Episode ResourcesExperian Credit FreezeExperian's number (888) 397-3742Equifax Credit FreezeEquifax's number (888) 298-0045TransUnion Credit FreezeTransUnion's number (800) 916-8800Identify Theft Resource Center's 2024 Annual Data Breach ReportAnnualCreditReport.comLastpass1PasswordCreditKarmaProtonVPNDon't Miss Out: Smart Retirement Savers Read Atomic IdeasWant weekly tips to make smarter financial decisions? Subscribe to Atomic Ideas, a free newsletter packed with timely market insights, helpful visuals, and proven retirement strategies.Get Atomic IdeasReady to Create Your Atomic Retirement?Take the next step! Schedule your FREE 20-minute Atomic Retirement Roadmap appointment today. What's included? Tax Return ReviewInvestment Check-UpRetirement Income AnalysisGet Your Free Atomic Retirement RoadmapShare Your ThoughtsEnjoyed this episode? Please leave a review and share it with someone who's planning for retirement!

Roth conversions are often touted as a smart tax move—but are they always the right choice? Not necessarily. In this episode, we're breaking down 7 situations where a Roth conversion might actually cost you more in taxes than it saves you.You'll learn:✅ Why a partial Roth conversion is probably smarter than going all in✅ How your income two years ago impacts your Medicare premiums✅ Why you might regret converting if you plan to donate to charity✅ How future medical and long-term care expenses could make keeping IRA dollars more tax-efficient✅ The tax trap of converting before moving to a no-tax stateBefore you convert your IRA, make sure you're not making a costly mistake. Tune in to find out how to make the best decision for your retirement.Episode ResourcesWhen Roth Conversions Make No SenseForm SSA-44, Medicare Income-Related Monthly Adjusted Amount Life-Changing EventsDon't Miss Out: Smart Retirement Savers Read Atomic IdeasWant weekly tips to make smarter financial decisions? Subscribe to Atomic Ideas, a free newsletter packed with timely market insights, helpful visuals, and proven retirement strategies.Get Atomic IdeasReady to Create Your Atomic Retirement?Take the next step! Schedule your FREE 20-minute Atomic Retirement Roadmap appointment today. What's included? Tax Return ReviewInvestment Check-UpRetirement Income AnalysisGet Your Free Atomic Retirement RoadmapShare Your ThoughtsEnjoyed this episode? Please leave a review and share it with someone who's planning for retirement!

Warren Buffett has spent a lifetime building wealth—but his greatest financial lesson isn't about investing. It's about what happens after you're gone.In a recent letter, Buffett revealed key details about his estate plan, why he's giving most of his fortune to charity, and the steps he's taken to prevent confusion and conflict for his family. His biggest lesson? Estate planning isn't just about money—it's about protecting the people you love.In this episode, we break down 10 estate planning lessons from Buffett's letter, including:✔ Why your will should never be a surprise to your family✔ The importance of naming a successor trustee to avoid legal headaches✔ How Buffett's “unanimous vote” rule protects his heirs from pressure and bad decisions✔ Why trying to control your wealth from the grave can backfire✔ How to create an estate plan that strengthens family bonds instead of tearing them apartWhether you have millions to pass down or just want to avoid family stress, this episode will help you take action and create a plan that works.Tune in to learn how to protect your legacy—and your loved ones.Episode ResourcesWarren Buffett's Gifting Letter to ShareholdersDon't Miss Out: Smart Retirement Savers Read Atomic IdeasWant weekly tips to make smarter financial decisions? Subscribe to Atomic Ideas, a free newsletter packed with timely market insights, helpful visuals, and proven retirement strategies.Sign Up for FreeReady to Create Your Atomic Retirement?Take the next step! Schedule your FREE 30-minute Countdown to Retirement appointment today. What's included? Retirement Income AnalysisTax Return ReviewInvestment Check-UpBook your Free AppointmentShare Your ThoughtsEnjoyed this episode? Please leave a review and share it with someone who's planning for retirement!

Should you claim Social Security early and invest the money, or wait for a higher monthly benefit? What about using annuities to supplement your income? In this episode, we break down the numbers, risks, and real-life considerations to help you make the best decision for your retirement.Plus, learn about an exciting new Social Security change that benefits millions of Americans—especially retirees like firefighters, teachers, and police officers.What You'll Learn:The pros and cons of claiming Social Security early.How to decide if waiting for a higher benefit is worth it.Why annuities might (or might not) be part of your strategy.If you're planning for retirement, this episode is packed with practical tips and actionable advice you won't want to miss.Episode ResourcesDelay Social Security, Invest More or Buy an Annuity: What's Best for Retirement Income?Breakeven Returns For Delayed Social Security ClaimingSocial Security Fairness Act Signed Into Law by Biden, Enhancing Retirement Benefits for MillionsDon't Miss Out: Smart Retirement Savers Read Atomic IdeasWant weekly tips to make smarter financial decisions? Subscribe to Atomic Ideas, a free newsletter packed with timely market insights, helpful visuals, and proven retirement strategies.Sign Up for FreeReady to Create Your Atomic Retirement?Take the next step! Schedule your FREE 30-minute Countdown to Retirement appointment today. What's included? Retirement Income AnalysisTax Return ReviewInvestment Check-UpBook your Free AppointmentShare Your ThoughtsEnjoyed this episode? Please leave a review and share it with someone who's planning for retirement!

If you're over 50, you're in a great position to take advantage of tax breaks that can save you thousands of dollars. Sadly, most people don't realize these opportunities exist and they pay more taxes in retirement than they should. With the tax code stretching thousands of pages, taxes are likely to be one of your biggest retirement expenses—if not the biggest. Today, we'll break down 6 tax breaks—from catch-up contributions to qualified charitable distributions—that can help you lower your tax bill. If you're nearing retirement, today's episode is packed with tips you won't want to miss. Episode ResourcesGet your FREE Retirement + Tax Analysis6 Tax Breaks After 50 You Can't Afford to Miss

Ever wonder what people in their 80s and 90s wish they had done differently with their money? In this episode, we dive into the financial wisdom and regrets shared by those who've lived long, full lives. From outliving their savings to unexpected life changes like divorce or career shifts, these stories reveal the importance of planning for the unexpected—and making the most of your wealth while you can. You'll hear practical advice, heartfelt reflections, and tips to help you avoid their regrets and make smarter financial decisions. It's never too late—or too early—to learn from those who've been there.Episode ResourcesGet your FREE Retirement + Tax AnalysisThe Financial Regrets and Wisdom of Americans Over 80Average Car Payment and Auto Loan Statistics

Better investment returns (we all want them). Today we're discussing how to be a more successful long-term investor and I'm joined by Ashby Daniels, a financial planner and the mastermind behind Money Visuals. Money Visuals is Ashby's creative outlet where he shares wisdom and timeless ideas for long-term investors. We can learn many important lessons from the world's greatest investors and I can't think of someone better to share them with you than Ashby. Whether you're new on your investing journey, have been doing this for a while, or are a financial planner, today's episode is for you. So join us as Ashby shares practical advice and tips that can help you increase your investment returns and your probability of achieving your financial goals. I hope you enjoy this episode of The Atomic Retirement podcast!Resources MentionedMoneyVisuals TwitterMoneyVisuals LinkedInStart Your Atomic Retirement JourneyFollow Ryan on ThreadsFollow Ryan on LinkedInFollow Ryan on TwitterGet Atomic IdeasAsk Ryan a Money Question

When it comes to bringing people together, few things can match the magic of food, music, and, of course, the thrill of vacationing. Today we're talking about vacationing and I'm joined by Mark Comfort, an industry expert with more than 30 years of experience helping people create memories that last a lifetime. Mark has traveled to 108 countries and he and his wife Mimi are the owners of Cruise Holidays and Comfort Tours and Travel in Kansas City. They specialize in ocean cruises, river cruises, all-inclusive resorts, and custom land-based vacations, and they transform ordinary vacations into extraordinary journeys, taking people on thrilling adventures across the globe. If you're looking for ideas for your next family vacation or would like help planning one, today's episode is for you. So grab your passport and join us as Mark shares a few of his vacation secrets, favorite destinations, and unlocks the keys to a life filled with adventure. I hope you enjoy this episode of The Atomic Retirement podcast!Resources MentionedCruise Holidays and Comfort Tours and Travel WebsiteFacebook PageInstagramStart Your Atomic Retirement Journey

One of the most important decisions you will make in retirement is deciding when to collect your Social Security benefits. Social Security is a guaranteed lifetime annuity designed to pay you an inflation-protected income for as long as you live. But figuring out when to collect payments, especially if you are eligible for multiple benefits or coordinating with a spouse, can be nearly impossible. And here is the hard truth. Most retirees are giving up tens of thousands or even hundreds of thousands of dollars because they collect their benefits too early. I hope you enjoy this episode of The Atomic Retirement podcast!Resources MentionedThe High Price Retirees Pay for Collecting Social Security Too EarlySocial Security Administration Website Social Security Cost-of-Living Adjustment (COLA) InformationWhat is FICA?Start Your Atomic Retirement Journey

Today we're talking all things real estate with Kiley Willis. Kiley is a realtor at ReeceNichols Plaza in Kansas City (licensed in both Kansas and Missouri), and she is one of Kansas City's top real estate producers. Last year she was the top-ranked solo agent by sales volume at her old brokerage. And since 2016, she has sold more than 220 homes valued at nearly $60M in sales volume. If you have questions about buying or selling a home in this higher interest rate environment and you're not sure where to start, I think you're going to get a lot of value out of our conversation. I hope you enjoy this episode of The Atomic Retirement podcast!Resources MentionedKiley Willis at ReeceNichols PlazaKiley Willis Facebook PageKiley Willis Instagram PageStart Your Atomic Retirement Journey

Tax season is upon us, and you have probably received your fair share of important tax documents in the mail (or email inbox). Chances are your W-2 is not the only tax form you'll need to complete your income tax return because you likely received at least one or more 1099 forms too. Your 1099 forms report various types of income from the previous year. And that's why we must pay attention to them as we prepare and get organized for this tax season. Today we're talking about what you can learn from your 1099 forms. I hope you enjoy this episode of The Atomic Retirement podcast!  Resources MentionedMorningstar: What You Can Learn From Your 1099 FormsIRS Website: Qualified Charitable Distributions for IRA OwnersIRS 2022 Instruction 1040Start Your Atomic Retirement Journey

Warren Buffett's annual shareholder letter to owners of Berkshire Hathaway stock is out. Today we'll walk through it together, and I'll point out my top takeaways. After all, the letter contains wisdom from someone with 80 years of investing experience, which Buffett points out is roughly one-third of America's lifetime! I hope you enjoy this episode of The Atomic Retirement podcast!  Resources MentionedBerkshire Hathaway Shareholder LettersThe Cost of Rising Short-TermismStart Your Atomic Retirement Journey

2022 was a terrible, horrible, no good, very bad year for stock and bond markets. It seemed like everything went down in value, everything except inflation and mortgage rates which reached 40-year highs and 20-year highs, respectively. In short, 2022 was an emotionally draining year for many retirement investors and that means most panicked and yanked money out of their 401(k)s, right? No so fast. Today we're discussing what folks have been up to with their employer retirement accounts. I hope you enjoy this episode of The Atomic Retirement podcast!   Resources MentionedAverage 401(k) Balances Dropped 20% in 2022 - But Few Investors Flinched, Vanguard Research ShowsFrom Vanguard: Positive Signs In a Challenging MarketFrom NYU: S&P Historical Data Since 1960 Start Your Atomic Retirement Journey

Social Security may only be able to pay 80% of its promised benefits starting in 2035 if Congress does not address a projected shortfall. Today we're talking about 7 changes Americans say they are willing to make to fix Social Security. I hope you enjoy this episode of The Atomic Retirement podcast!   Resources Mentioned7 Changes Americans Are Willing to Make to Fix Social SecurityThe 2022 Annual Report of the Board of Trustees of the Federal Old-Age and Survivors Insurance and Federal Disability Insurance Trust FundsSocial Security Administration Website Start Your Atomic Retirement Journey

Healthcare is not cheap and, aside from taxes, might be your most costly retirement expense. Did you know there's a tax-advantaged savings account to help with your healthcare costs? Health Savings Accounts came about in 2003, and many people are unfamiliar with their benefits and tax secrets. That's our topic on this episode of The Atomic Retirement podcast!   Resources MentionedTax Secrets of Health Savings Accounts The Best HSA Providers of 2022 IRS Publication 969 - Health Savings Accounts and Other Tax-Favored Health PlansIRS Publication 502 - Medical and Dental ExpensesStart Your Atomic Retirement Journey

Today we're talking all things Medicare with Danielle Roberts. Danielle is a Medicare expert and the co-founder of Boomer Benefits, an insurance agency helping people across the country understand Medicare and their insurance options. She's also the author of 10 Costly Medicare Mistakes You Can't Afford To Make. If you have Medicare questions and you're not sure where to start, I think you'll get a lot of value from our conversation on this episode of The Atomic Retirement podcast!Medicare Open Enrollment 2023 starts October 15, 2022 and runs until December 7, 2022.Resources Mentioned10 Costly Medicare Mistakes You Can't Afford to Make by Danielle RobertsBoomer Benefits Medicare Blog Boomer Benefits YouTube ChannelMedicare.gov Website Medicare & You 2023 Handbook2023 Medicare Premiums, Deductibles, and Co-Insurance AmountsIncome-Related Monthly Adjustment Amount (IRMAA) Life-Changing Event Form SSA-44Start Your Atomic Retirement Journey

With stock and bond markets down double-digits year-to-date, and inflation at 40-year highs, is it a bad time to retire? Should I delay retirement and continue working another year or two? Should I wait until my accounts rebound? Should I return to work or work part-time? That's our topic on this episode of The Atomic Retirement podcast! Resources MentionedIs Now a Bad Time to Retire? What Past Stock Market Declines Can Teach UsRetirees Have a SuperpowerConnect with Ryan KilkennyFollow Ryan on TwitterGet Ryan's Saturday Morning Newsletter Schedule a Zoom Meeting with RyanSubscribe to The Atomic Retirement Podcast on your preferred podcasting platform.

How much money do I need to stop working, be financially independent, and retire? Do I need a half-a-million dollars, a million, two million, or something else? That's our topic on this episode of The Atomic Retirement podcast!  Resources MentionedMy Social Security Account WebsiteFuture Value Calculator Connect with Ryan KilkennyFollow Ryan on TwitterGet Ryan's Saturday Morning Newsletter Schedule a No Obligation Retirement Tax Assessment with RyanSubscribe to The Atomic Retirement Podcast on your preferred podcasting platform.

Is the US in a recession? That's our topic on this episode of The Atomic Retirement podcast!  Resources MentionedIf This is a Recession, We Might Not Know for MonthsBureau of Economic Analysis Gross Domestic Product (GDP) Data Connect with Ryan KilkennyFollow Ryan on TwitterGet Ryan's Saturday Morning Newsletter Schedule a No Obligation Retirement Tax Assessment with RyanSubscribe to The Atomic Retirement Podcast on your preferred podcasting platform.

Today we are talking about the 15 lies and omissions that insurance salespeople tell about Indexed Universal Life (IUL) Insurance Policies. I hope you enjoy this episode of The Atomic Retirement podcast!  Resources MentionedIs IUL a Scam? Yes. by Jeremy SchneiderPersonal Finance Club Instagram PageConnect with Ryan KilkennyFollow Ryan on TwitterGet Ryan's Saturday Morning Newsletter Schedule a No Obligation Retirement Tax Assessment with RyanSubscribe to The Atomic Retirement Podcast on your preferred podcasting platform.

Today we are talking about 10 Social Security myths and misconceptions that refuse to die. I hope you enjoy this episode of The Atomic Retirement podcast!  Resources Mentioned10 Social Security Myths That Refuse to DieSocial Security Administration WebsiteConnect with Ryan KilkennyFollow Ryan on TwitterGet Ryan's Saturday Morning Newsletter Schedule a No Obligation Retirement Tax Assessment with RyanSubscribe to The Atomic Retirement Podcast on your preferred podcasting platform.

Today I'm joined by Samara Nazir, J.D.  Samara is an estate planning attorney at Parman & Easterday in Overland Park, Kansas. Samara is licensed to practice law in both Kansas and Missouri, and her practice areas include estate planning and probate administration. If you have questions about your own estate plan, what it looks like to work with an estate planning attorney, what documents you need, when your documents should be updated, how probate works, and costly mistakes to avoid, I think you're going to get a lot out of our conversation on this episode of The Atomic Retirement Podcast. Resources MentionedSamara Nazir, J.D. from Parman & EasterdayConnect with Samara on LinkedInConnect with Ryan KilkennyFollow Ryan on TwitterGet Ryan's Saturday Morning Newsletter Schedule a No Obligation Retirement Tax Assessment with RyanSubscribe to The Atomic Retirement Podcast on your preferred podcasting platform.

Today I'm joined by Nick Maggiulli. Nick is the Chief Operating Officer and Data Scientist at Ritholtz Wealth Management in New York City. He has an economics degree from Stanford University and he writes a weekly blog called Of Dollars And Data, where he focuses on the intersection of data and personal finance. Nick is also the author of a new book called Just Keep Buying - Proven Ways to Save Money and Build Your Wealth. Resources MentionedJust Keep BuyingOf Dollars and Data Follow Nick on TwitterConnect with Ryan KilkennyFollow Ryan on TwitterGet Ryan's Saturday Morning Newsletter Schedule a No Obligation Retirement Tax Assessment with RyanSubscribe to The Atomic Retirement Podcast on your preferred podcasting platform.

Today we are talking about all things insurance and I'm joined by Broc Buckles. Broc is the co-founder of BC Brokerage, an independent insurance brokerage that focuses on serving the families of fee-only financial planners, like Atomic Planning.  Broc and his co-founder, Peter, help families across the country accomplish their insurance needs, and get the correct life, disability, long-term care, and annuity coverage required to safeguard their financial goals. They also review insurance policies already in place, and help me understand the current insurance market and whether a policy is still the best fit for the changes needs of the people I serve. What I love most about the movement they've started is they always put their client's interests first and lead with education, not products. They refuse to upsell and push insurance policies that people just don't need. If you have questions about life insurance, disability insurance, long-term care insurance or annuities, I think you're going to get a lot of value out of our conversation. Resources MentionedFollow Broc Buckles on TwitterFollow Broc Buckles on LinkedInLearn More about BC BrokerageConnect with Ryan KilkennyFollow Ryan on TwitterGet Ryan's Saturday Morning Newsletter Schedule a Free No Obligation Retirement Tax Assessment with RyanSubscribe to The Atomic Retirement Podcast on your preferred podcasting platform.

Today we are talking about proactive tax planning and how it may be able to rescue your retirement and defuse a retirement tax bomb. I hope you enjoy this episode of The Atomic Retirement! Resources MentionedHow Proactive Tax Planning Can Rescue Your Retirement2022 Tax Rates, Schedules, and Contributions LimitsIRS Publication 590-B Distributions from Individual Retirement Accounts Estimate Your Social Security Retirement BenefitsIncome Taxes and Your Social Security BenefitMedicare Costs at a GlanceConnect with Ryan KilkennyFollow Ryan on TwitterGet Ryan's Saturday Morning Newsletter Schedule a Free No Obligation Retirement Tax Assessment with RyanSubscribe to The Atomic Retirement Podcast on your preferred podcasting platform.

According to a recent survey from caring.com, 67% of Americans do not have estate planning documents. That's why I'm joined by Andres Mazabel of Trust & Will on this episode of The Atomic Retirement Podcast. Resources MentionedTrust & Will Website Trust & Will Estate Planning Learning Center2022 Wills and Estate Planning Study from Caring.comConnect with Ryan KilkennyFollow Ryan on TwitterGet Ryan's Saturday Morning Newsletter Schedule a Free No Obligation Retirement Tax Assessment with RyanSubscribe to The Atomic Retirement Podcast on your preferred podcasting platform.

Is Social Security the Best Annuity for Your Money? That's what I'm talking about on this episode of The Atomic Retirement Podcast. Resources MentionedSocial Security Administration Website Social Security Cost of Living Adjustment Information What are FICA Taxes  Connect with Ryan KilkennyFollow Ryan on Twitter Get Ryan's Saturday Morning Newsletter Schedule a No Obligation Retirement Tax Assessment with RyanSubscribe to The Atomic Retirement Podcast on your preferred podcasting platform.

Should I buy an annuity for retirement income? That's what I'm talking about on this episode of The Atomic Retirement Podcast. Questions you can ask to learn more about an annuityHow are you compensated?What is the commission paid to you if I purchase this annuity versus another annuity?What is the insurance company's financial strength? What happens to my annuity if the insurance company goes bankrupt? What fees should I expect to pay on an annual basis?Is this annuity fixed, variable or indexed? What is the current interest rate? Is the interest rate fixed for the entire term of the annuity? Can the interest rate decrease? What is the participation rate? Is there a rate cap? Is my principal and interest guaranteed? What is the surrender period and surrender charges?How much money can I withdraw per year without a penalty? What are my options at the end of the annuity term or when it matures? Will I be forced to take income from the annuity to realize the full value? How will my withdrawals be taxed?Can I be forced out of the annuity at a certain age? What happens to my money when I die?Connect with Ryan KilkennyFollow Ryan on Twitter  Get Ryan's Saturday Morning Newsletter   Schedule a No Obligation Retirement Tax Assessment with RyanSubscribe to The Atomic Retirement Podcast on your preferred podcasting platform.

What are Required Minimum Distributions (RMDs)? That's what I'm talking about on this episode of The Atomic Retirement Podcast.  Resources MentionedIRS Website Required Minimum Distributions Transferring IRA Money to an HSA from InvestopediaConnect with Ryan KilkennyFollow Ryan on Twitter Get Ryan's Saturday Morning Newsletter Schedule a No Obligation Retirement Tax Assessment with RyanSubscribe to The Atomic Retirement Podcast on your preferred podcasting platform.

Why is the 60/40 portfolio (probably) wrong for you? How do I think about asset allocation? That's what I'm talking about on this episode of The Atomic Retirement Podcast. Resources MentionedHistorical Returns on Stocks, Bonds and Bills 1928-2021 Connect with Ryan KilkennyFollow Ryan on Twitter Get Ryan's Saturday Morning Newsletter Schedule a No Obligation Retirement Tax Assessment with RyanSubscribe to The Atomic Retirement Podcast on your preferred podcasting platform.

What's the report mutual funds don't want you to read? That's what I'm talking about on this episode of The Atomic Retirement Podcast.  Resources MentionedS&P Dow Jones Indices End of Year 2021 SPIVA U.S. Scorecard : Average Cost of Active & Passive Funds from Investopedia How Mutual Funds Mislead Investors Connect with Ryan KilkennyFollow Ryan on Twitter Get Ryan's Saturday Morning NewsletterSchedule a No Obligation Retirement Tax Assessment with RyanSubscribe to The Atomic Retirement Podcast on your preferred podcasting platform.

What's the value of good financial advice (after fees)? That's what I'm talking about in this episode of The Atomic Retirement Podcast.  Resources MentionedPutting a Value on Your Value: Quantifying Vanguard Advisor's Alpha Connect with Ryan KilkennyFollow Ryan on TwitterGet Ryan's Saturday Morning Newsletter Schedule a No Obligation Retirement Tax Assessment with RyanSubscribe to The Atomic Retirement Podcast on your preferred podcasting platform.

What does Atomic Planning mean? That's what I'm talking about during this second episode of The Atomic Retirement Podcast. Resources MentionedAtomic Habits by James ClearConnect with Ryan KilkennyFollow Ryan on Twitter Get Ryan's Saturday Morning Newsletter Schedule a No Obligation Retirement Tax Assessment with RyanSubscribe to The Atomic Retirement Podcast on your preferred podcasting platform. 

Who am I and why did I launch Atomic Planning, an independent, veteran-owned