Winning Retirement Radio

In this episode, we reflect on our grandparents’ simple, family-focused lives and contrast them with the retirement worries of today, including taxes, investments, and planning. Greg and Kristin share touching family stories and emphasize the importance of planning carefully for today's retirees, particularly regarding taxable withdrawals from 401(k)s, IRAs, and the growing government debt. The website mentioned for a FREE personalized tax map report is TestMyRetirement.com. See omnystudio.com/listener for privacy information.

Greg and Kristin reflect on the emotional journey of their son Christian’s high school graduation, and how these family milestones often parallel the retirement planning they do with clients. Listen for insight about the importance of organizing, embracing change, and finding new purpose in both family and financial life transitions. Confident you're on the right path to create your version of a Winning Retirement? Complete this brief form to schedule a complimentary consultation. See omnystudio.com/listener for privacy information.

We touch on Tom Cruise’s latest Mission: Impossible, and his intent to never retire, then shift to Warren Buffett’s advice to invest in a low-cost S&P 500 index fund. While that might work for younger investors, Greg and Kristin warn retirees to be cautious. Market drops can seriously impact income in retirement! Their takeaway: don’t follow headlines blindly. Build a plan with your portfolio that balances income, growth, and safety, especially as you near retirement. Unsure if you’re on track for retirement? Fill out this short form for a FREE consultation. See omnystudio.com/listener for privacy information.

Greg and Kristin dive into a pressing issue affecting more families than ever before: the increasing need for long-term care in America. You’ll hear a personal caregiving experience, a journey that has become common among friends, neighbors, and loved ones. But here’s the catch: traditional long-term care insurance is disappearing, and the few policies still available are often too expensive, and if you don’t use them, you lose the money you paid in. Listen to learn about other strategies available. Need a little help getting organized? Download a FREE copy of Legacy’s My Retirement Kit.See omnystudio.com/listener for privacy information.

Greg and Kristen discuss tipping trends and why some people tip less with digital prompts. They also break down Required Minimum Distributions (RMDs): when to take them, how they’re taxed, and strategies to avoid costly mistakes. Unsure if you’re on track for retirement? Fill out this short form for a FREE consultation. See omnystudio.com/listener for privacy information.

After discussing the differences between being frugal and being cheap, Greg and Kristin highlight why many retirees find it challenging to begin spending their money. In addition to having an investment and income plan, creating a spending plan is essential. Retirement represents a significant life change that many people fail to recognize, and transitioning from saving to spending from your portfolio is a crucial part of this shift. We also examine what retirement may look like for those who own a business and wish to pass it on to their children.

We recap Uber's weird lost and found items and share a tale of a misfortune-stricken philanthropist. Then explore the rewards of generosity. Kristin will also provide us with an update on the latest developments at Dare For More, one of her beloved charities. Need a little help getting organized? Download a FREE copy of Legacy’s My Retirement Kit to help you get organized: See omnystudio.com/listener for privacy information.

After discovering that Greg and Kristin work and exercise together, we shift our focus to family matters. We examine the various reasons why retirees sometimes provide financial assistance to their adult children. Listen for stories that shed light on both sides of this important issue. Wondering if you’re on track for retirement? Fill out this short form for a FREE consultation.See omnystudio.com/listener for privacy information.

Google searches for "how to reduce stress" have reached a record high. With the markets responding to tariff news, many individuals with retirement funds on Wall Street are feeling uneasy. Greg and Kristin discuss the importance of having a plan that considers challenging times so that your income isn’t dependent on the uncertainties of the market!

This week, we're discussing everyday things that make us feel unsettled or uncomfortable. One topic that stands out is Math Anxiety. This issue can create significant challenges during retirement. If memories of Geometry and Algebra are causing you to avoid your financial and retirement planning, remember that you don’t have to tackle it all by yourself! Greg and Kristin talk about “doing the math” to NOT run out of money in retirement. Feeling stuck with your retirement planning? Download a FREE copy of Legacy’s My Retirement Kit to help become better organized: See omnystudio.com/listener for privacy information.

The world has changed dramatically in just the past 10 years! This is especially true for Greg and Kristin as the school season comes to a close. In this episode, we reflect on various aspects of life, from movies and music to customer service and everything in between. We discuss how we approach different parts of our lives much differently than we did just a few years ago. Planning for retirement has evolved as well. Whether you have a 401(k), pension, stocks, bonds, ETFs, mutual funds, or an annuity, we hope you find this episode insightful. Snag your FREE copy of Legacy's My Retirement Kit to help you get organized today! See omnystudio.com/listener for privacy information.

Did you know pure gold (23-24 karat) is safe to consume in small quantities? You might have seen advertisements about investing in precious metals. That's why we're exploring gold as an asset class for individuals who are in or approaching retirement as part of a diversified portfolio. This is especially relevant now, with market volatility! Also, listen to learn how much of a creature of habit Greg is! Ready to design your ideal retirement? Schedule a FREE consultation! See omnystudio.com/listener for privacy information.

Are you feeling overwhelmed when it comes to making money decisions? You’re not alone. A recent survey shows that 53% of Americans feel stuck, overwhelmed, or unsure about their finances. Greg and Kristin discuss the importance of avoiding "paralysis by analysis" and how collaborating with a fiduciary financial advisor can alleviate some of those feelings. Additionally, they emphasize the need to avoid being “Google slapped,” as Greg puts it. Wondering if you’re on track for retirement? Fill out this short form for a free consultation. See omnystudio.com/listener for privacy information.

Are you feeling overwhelmed when it comes to making money decisions? You’re not alone. A recent survey shows that 53% of Americans feel stuck, overwhelmed, or unsure about their finances. Greg and Kristin discuss the importance of avoiding "paralysis by analysis" and how collaborating with a fiduciary financial advisor can alleviate some of those feelings. Additionally, they emphasize the need to avoid being “Google slapped,” as Greg puts it. Confident you're on the right path to create your version of a Winning Retirement? Fill out this quick form for a complimentary consultation! See omnystudio.com/listener for privacy information.

Americans do a lot of giving, and often, that giving mindset doesn’t change when you stop working. In retirement, there are efficient ways to give that some take advantage of. In fact, Kristin shares how one woman made her qualified charitable distribution (QCD) goals come to life despite some paperwork obstacles. Need a little help getting organized? Download a FREE copy of Legacy’s My Retirement Kit to help you get organized.See omnystudio.com/listener for privacy information.

Retirement can be a challenging transition. This week, we discuss how to tailor your retirement plans to your unique situation, considering your budget, portfolio, income, and more. We'll also explore the "normal" expectations of retirement and share stories of people enjoying their unique retirement lifestyles. Wondering if you’re on track for retirement? Fill out this short form for a FREE consultation.See omnystudio.com/listener for privacy information.

In this episode, Greg and Kristin dive into the world of annuities, breaking down the key differences, including their advantages and disadvantages, to help you navigate retirement income concerns.

This week's episode covers encouraging economic news regarding Americans and debt, the significance of maintaining an emergency fund as you approach or enter retirement, and advice for those worried about market volatility and risk exposure. Unsure if you’re on track for retirement? Fill out this short form for a FREE consultation.See omnystudio.com/listener for privacy information.

From investing to spending, budgeting, and even charitable giving, maintaining open communication about finances is crucial for couples.

We discuss tax season and what you need to know if you're approaching age 73 and preparing to take Required Minimum Distributions (RMDs). We'll cover important topics such as how much you need to withdraw, penalties and fees to avoid, and the benefits of Qualified Charitable Distributions (QCDs). By the end of this episode, you should have a clearer understanding of your future tax obligations in retirement. Wondering if you’re on track with your future taxes in retirement? Click here for a FREE Retirement Tax Map Report. _________________See omnystudio.com/listener for privacy information.

Does your advisor address how you’ll use your money in retirement? Have they helped you create a plan to be tax-efficient with your portfolio when you stop working? Hear insight into those questions, plus Greg’s “why” on this week’s episode. Wondering if you’re on track for retirement? Fill out this short form for a free consultation. ___________________See omnystudio.com/listener for privacy information.

Did you know you could become a marketing target if the probate process enters your world? Greg and Kristin aren’t attorneys, but legacy and estate planning conversations are consistent with retirement planning. Listen as they share why being “sold” any product isn’t a good idea. Feeling stuck with your retirement planning? Download a FREE copy of Legacy’s My Retirement Kit to help get organized. _____________See omnystudio.com/listener for privacy information.

We all take different paths in life. For example, women are more likely than men to pause their careers to care for their families. As a result, they typically work fewer years and contribute less to retirement accounts, leading to lower savings in their investment portfolios. Greg and Kristin discuss these challenges and how to tackle them with effective retirement planning. Need a little help getting organized? Download a FREE copy of Legacy’s My Retirement Kit to help you get organized. ______________________See omnystudio.com/listener for privacy information.

A recent survey showed Americans would rather do homework than do their taxes, and some would rather take the SATs! Tax season is important, but Greg and Kristin explain why retirement tax strategies are essential for future portfolio planning. Wondering if you’re on track for retirement? Fill out this short form for a FREE consultation. See omnystudio.com/listener for privacy information.

This week Greg shares his approach to tackling holiday credit card debt along with tips on how to pay off debt in general... and stay motivated. Plus, an answer to a common retirement question: Should your mortgage be paid off before you stop working? Feeling stuck with your retirement planning? Download a FREE copy of Legacy’s My Retirement Kit to help get organized. _______________ See omnystudio.com/listener for privacy information.

Greg and Kristin discuss how to financially and emotionally prepare for retirement in 2025 if that’s your goal. They also cover what to expect from your financial advisor when planning what to do with your portfolio. Unsure if you’re on track? Fill out this short form for a free consultation. ____________________See omnystudio.com/listener for privacy information.

We embrace this wonderful time of year, talk gift-giving within our means, and RMD spending.

According to the Census Bureau, being middle-class in America means making about $80k a year. Instead of wondering how you measure up, Greg and Kristin explain how they continue to many in the middle class to retire confidently, based on the savings they’ve socked away. Listen to learn more about the retirement transition, and how the middle class can pull off a comfortable retirement with the right planning. Feeling stuck with your retirement planning? Download a FREE copy of Legacy’s My Retirement Kit to help get organized: https://www.legacyretirementgroup.com/podcast-request _________________________See omnystudio.com/listener for privacy information.

Hear about how one couple has a goal of going from workaholics to traveling in retirement. Greg and Kristin explain how planning a trip is similar in many ways to planning for income in retirement. Yes, your portfolio, 401(k) and pension matter… But listen to hear why lifestyle is what often guides financial planning.  Unsure if you're on track for retirement? Fill out this short form for a free consultation. https://www.legacyretirementgroup.com/schedule-an-appointment ________________________________See omnystudio.com/listener for privacy information.

In this episode, we dive into the latest Bitcoin rally that's capturing the attention of both seasoned investors and newcomers alike. Many are enjoying the all-time highs! Join us for a lively discussion on all things Bitcoin and the next chapter of crypto, along with how those over 60 should view this asset.    Wondering if you're on track for retirement? Fill out this short form for a free consultation. ___________________________________________See omnystudio.com/listener for privacy information.

Holiday meals are known for good food and family, and they can be a little awkward too.  However, inflation has greatly impacted soon-to-be and current retirees beyond the Thanksgiving and Christmas table. Greg and Kristin explain how your income is your lifestyle when you stop working. So, is the 4% Rule a good way to budget when drawing down from your retirement accounts? And are you using the right tools for where you are in life? Listen as Greg and Kristin share planning ideas to consider. Feeling stuck with your retirement planning? Download a FREE copy of Legacy's My Retirement Kit to help get organized. _________________________________________See omnystudio.com/listener for privacy information.

✈️ After some good travel news, Greg and Kristin discuss the plight of someone being pushed out of their job months before they were ready to retire.  If that happened to you, could you still retire on your terms? Will you have enough money? What should you do if you feel you may be slowly being nudged to the side at work right now?  Join our discussion of the cycle of ageism, and how to best work with what you have in your retirement accounts.     Want to make sure you're on track for retirement? Fill out this short form for a free review.    See omnystudio.com/listener for privacy information.

In celebration of political arguing being down to a simmer, we address another controversial American topic... FOOD!

Especially these days, making sure you get what you pay for is a priority. Legacy recently had an interesting inquiry regarding portfolio management fees and fiduciary financial advisors. Greg & Kristen explain why there are fees, how they work, and what should come along with the fees you pay. Listen to find out what value to seek when paying your advisor!  

Most of us are relieved the fear-based election ads ending, both right and left. It's been intense! Greg and Kristin share how they help families create retirement plans that can withstand big uncertainties, and not give into fear. Plus, some ideas on how to most efficiently hand down or inherit retirement accounts.  

We're embracing the flavors of fall! But did you know there's an extra “tax” on many pumpkin-spiced products?

Greg shares 5 reasons why talking about money is vitally important when near or in retirement, along with a story that illustrates why talking to the right person for where you are in life is key. Greg and Kristin also discuss a controversial income option some consider for retirement dollars, along with strategies that are usually worth avoiding, and why.  

Many Americans feel they aren't getting enough sleep, including some of our podcast crew!

After catching up on fall flavors, Hallmark Movies, and more… Greg and Kristin address the importance of not allowing the news cycle to dictate your decisions. Hear what Greg believes is the biggest asset for those transitioning into retirement, and why free social security reports aren't as helpful as they used to be.  

This week we discuss a nostalgic company making a marketing change, and what our team is currently receiving many calls about: Concerns about retirement accounts with the election chaos looming. Greg explains what to consider to help diversify your portfolio for retirement when it comes to the unexpected on Wall Street, along with the various ways to invest. Plus, they debunk a “myth” about retirement!   

Greg and Kristin share the top 5 items soon-to-be and current retirees should pause and pay attention to between now and the end of the year. Don't worry, if you feel you're behind… You are not alone! See omnystudio.com/listener for privacy information.

How often should you check your retirement accounts? Maybe you set money aside in stocks on Wall Street, a 401(k)s, or a Roth IRA Greg explains why your age and allocations matter when answering that question.  

Days ago Kristin returned from Guatemala on fire for Dare For More Ministries!

With Amtrak reporting higher numbers, Greg reminisces about his early 20s and a job he had building railroad cars. Planning to retire from physically strenuous jobs compared to an office job can present different obstacles, but the end goal of retiring remains the same: Having enough income to retire comfortably, and a plan for NOT running out of money!

After a piece of financial trivia, we reminisce about how we have spent our “piggy bank” money over the years.

Restaurants and stores use various strategies to maximize profits. Don't most industries? That's why Greg and Kristin are leaning on their experiences to share the top 5 things you should consider when hiring a financial advisor, especially in or near retirement. If you have an investment portfolio or 401(k) and are approaching age 60 or older, this episode is for you!  

2 personal experiences remind us how technology can help our financial life, but why trusting our instincts remains the best way to avoid getting ripped off. Kristin even shares an idea families could use to help mitigate the risk of some scams. Whether it's your bank account, retirement funds, or credit, you should take extra steps to protect yourself from fraud to be safe. Greg also talks about the fiduciary standard and the "Legacy Standards" our awesome team follows.  

Before Biden backed out, his administration announced another round of student loan forgiveness... Bringing total student loan forgiveness to $168.5 billion! Greg and Kristin discuss how this and other forgiveness programs encourage a "Robinhood" mentality. Plus, we hear insight from their Generation Z son and how Alexa is trying to help Gen X and Baby Boomers keep up with what Gen Z is saying! See omnystudio.com/listener for privacy information.

We've had a busy few weeks in American politics!  The old news is that Biden bowed out of a second term and endorsed Kamala Harris as the Democratic nominee. Days before, there was an assassination attempt on Trump, and days later Vance became his running mate. Greg and Kristin address how the political whirlwind of “unprecedented” news CAN impact our retirement accounts, and what to consider. Plus, the old-school way that kids are connecting!See omnystudio.com/listener for privacy information.

Now that J.D. Vance has been announced as Trump's VP pick, how does that impact the trajectory of the election and the future of your personal economy? Greg and Kristin also discuss how well the S&P 500 has been going this year, and what to keep in mind.   

Greg and Kristin discuss the most recent presidential debate, and what it means for our financial bottom line. Right or left some are feeling uncertain about the future of their personal economy, Wall Street, and the trajectory of our nation. With so many unknowns, Greg and Kristin remind us to start accounting for what's necessary for our personal income plans.See omnystudio.com/listener for privacy information.