Your Retirement Navigator

In this episode, hosts Kyle R. Jones and Matthew P. Allgeyer from FYRA Capital Management delve into the intricacies of tax planning and investment strategies on the path to retirement. Uncover insights into recency bias, strategic tax reduction methods, and the psychological journey of investment decisions. Whether you're a pre-retiree looking to optimize your financial future or curious about how market movements can affect your portfolio, this episode offers valuable knowledge with a touch of humor. Listen in as Matt and Kyle share anecdotes and practical approaches to help ensure your retirement savings aren't eaten away by unnecessary taxes and emotional pitfalls.Don't miss out on understanding why now might be the perfect time for tax planning, given the historically low rates that may not last forever. Tune in for a balanced blend of financial wisdom and light-hearted banter designed to help prepare you for the ride ahead. The clock is ticking on some of these tax-saving opportunities, so get ready to fasten your seatbelt on this enlightening journey down Your Retirement Highway.

In this episode of "Your Retirement Highway," hosts Matthew Allgaier and Kyle R. Jones provide valuable advice on the essential components of retirement planning. The discussion revolves around understanding the importance of a balanced approach to managing taxes, investment strategies, and debt repayment. Through personal stories and expert analysis, they emphasize the importance of having a clear plan and staying proactive in financial decision-making. Discover practical tools and strategies that can help you navigate the intricate landscape of retirement. 

In this episode of "Your Retirement Highway," hosts Matthew P. Allgaier and Kyle R. Jones delve into critical financial topics affecting retirees and global economic trends. The discussion begins with a personal touch, as Matthew celebrates his daughter's college graduation, transitioning into an examination of interest rates and tariffs affecting both local and international economies. The show offers insights into recent changes on Branson's Strip 76 and comments on the economic impact of COVID-19 on this popular tourist destination. Additionally, the show highlights the significance of strategic Social Security filing to avoid common pitfalls costing retirees trillions. With emotions running high in today's political climate, the hosts emphasize the importance of focusing on financial strategies over ideological divides to secure long-term retirement plans.As the conversation progresses, Matthew and Kyle tackle the broader implications of ongoing trade discussions, shedding light on the movement towards free trade, which promises positive outcomes for both the U.S. and global economies. They critically analyze President Trump's economic policies, highlighting the complexities of international trade, the influence of tariffs, and the tactical advantage in negotiations with China. This episode urges listeners to keep their personal financial plans free of political bias, understanding how recent Capitol Hill developments could affect portfolios. Matt and Kyle stress the importance of crafting a retirement plan that protects against market volatility, ensuring economic stability through straightforward advice, detached from political affiliations.

In this episode of "Your Retirement Highway," hosts Kyle R. Jones and Matthew P. Allgaier guide listeners through the intricacies of retirement planning, with a particular focus on long-term care. They delve into the importance of understanding long-term care insurance, discussing how it has evolved from traditional policies to modern options that include life insurance-based long-term care benefits. The conversation includes a review of the six activities of daily living that trigger long-term care policy payouts and explores different living arrangements and stages of elder care. The hosts emphasize the importance of strategic planning for taxes and long-term care, providing practical insights and encouraging listeners to seek multiple perspectives when planning for their financial future.Additionally, the episode balances practical advice with light-hearted commentary on everyday life, as Matthew shares his humorous perspective on managing weekend activities and household responsibilities alongside the complexities of financial planning. The show underscores the necessity for individuals to make informed decisions while considering personal goals and circumstances to prepare for a secure retirement, steering clear of high-pressure sales tactics.

 In this episode of "Your Retirement Highway," hosts Matthew P. Allgeyer and Kyle R. Jones bring a mix of light-hearted banter and valuable financial insights. The show starts with a humorous anecdote involving Kyle's unexpected tailgate decors that led to unexpected encounters on the road. This story segues into a discussion on the importance of having a solid retirement plan and the necessity of interviewing multiple advisory firms to ensure a good fit. Matt and Kyle emphasize that, like buying a car or finding a doctor, choosing an advisory firm should be a well-considered decision. The conversation highlights how emotional decisions can impact financial planning and retirement, urging listeners to strike a balance between growth and stability.The episode also touches on crucial aspects of retirement planning, such as risk management and tax strategies. Matt shares insights on how retirees can reduce their tax bills through strategic planning, especially given the current low tax rates that might not last. The show wraps up with a reminder that planning is not just about finances but about living life fully, encouraging listeners to put supportive people in their lives and enjoy their retirement years.

In this episode of "Your Retirement Highway," hosts Matthew Allgaier and Kyle R. Jones delve into essential strategies for optimizing retirement savings and tax efficiency. They stress the importance of maximizing employer retirement plan matches, considering Roth 401(k) contributions, and adopting incremental savings increases, especially after receiving raises. The show emphasizes the significance of budgeting and keeping a simple lifestyle to better manage finances and reduce unnecessary expenses.Other key discussion points include the benefits of consulting financial advisors to tailor retirement plans to individual needs and the potential advantages of a backdoor Roth IRA for higher-income earners. Matt and Kyle also touch upon the impact of strategic mortgage planning on retirement and share personal anecdotes to illustrate their points. Kyle recounts a recent experience at the United States Basketball Writers Association Gala, highlighting Dick Vitale's moving speech on pediatric cancer research.

In this episode of "Your Retirement Highway," hosts Matthew P Allgeyer and Kyle R. Jones delve into a variety of topics centered around financial well-being and strategic retirement planning. They emphasize the importance of tuning out politically slanted media and focusing on factual information when making investment decisions. They discuss the pitfalls of passive investment strategies during times of high market volatility and advocate for a diversified approach, balancing both active and passive investments to manage risk effectively.Additionally, Matthew and Kyle stress the critical role of having open communication with financial advisors, particularly about risk management and income stability for retirees. They urge listeners to question their advisors about the strategies in place to protect their portfolios from market downturns and to ensure their long-term income needs are met. The episode underscores the necessity of strategic planning to mitigate tax liabilities and optimize Social Security benefits.

In this episode of "Your Retirement Highway" on KMOX, hosts Matthew Allgaier and Kyle R. Jones discuss the current market environment and its implications for retirement planning. They emphasize the importance of understanding and evaluating market volatility, and the need for effective communication with financial advisors. They also offer practical advice for managing investments, evaluating one's financial situation, and understanding social security benefits. Matthew and Kyle stress the value of seeking second opinions and exploring different advisory services to ensure that one's retirement plan is comprehensive and resilient.Throughout the conversation, Matthew and Kyle highlight the critical role that detailed financial planning plays in securing a comfortable retirement. They encourage you to actively engage with your advisor, ask pertinent questions, and make well-informed decisions.

In this episode of "Your Retirement Highway," hosts Kyle Jones and Matthew P. Allgaier discuss essential retirement planning strategies tailored for today's longer lifespans. Matthew begins with personal anecdotes from a recent trip, drawing an analogy between meticulous travel planning and careful retirement preparation. The guys emphasize that retirees need to ensure their savings will last through their extended retirement years, a challenge that more individuals face due to increasing life expectancies.Kyle and Matthew delve into optimizing social security benefits, adjusting investment risks over time, and creating customized retirement plans. They highlight the importance of mathematical and statistical modeling in making informed decisions about social security and portfolio management. Their advice aims to help listeners navigate the complexities of retirement planning, underscoring the significance of adaptive strategies in dealing with market volatility, inflation, and changing personal circumstances.

In this episode of "Your Retirement Highway," Kyle R. Jones takes the helm solo, as his business partner Matthew P. Allgaier enjoys some time off with his family. The episode begins with an update on some severe weather that recently affected Kyle's area in Western Clinton County, Illinois. Despite the property damage and power outages caused by the strong winds, Kyle is thankful that no fatalities were reported. He empathizes with the storm's impact on his community and reflects on the powerful forces of nature.Moving into the core of the show, Kyle shifts focus to investment strategies amid current market conditions. He advises listeners to review their risk tolerance, especially in the wake of recent market volatility. He discusses the potential consequences of buying the dip strategies and the importance of being prepared for both bullish and bearish market movements. Emphasizing the unpredictability of economic conditions, Kyle encourages investors to maintain a well-balanced portfolio aligned with their risk tolerance and long-term goals.

In this episode of "Your Retirement Highway," hosts Kyle R. Jones and Matthew P. Algar from FYRA Capital Management delve into a variety of retirement planning insights and social security optimization strategies. Kyle and Matt emphasize the importance of working with a financial advisor to tailor retirement plans based on individual needs and circumstances. They discuss the implications of taking social security benefits early versus delaying them, the potential penalties, and the benefits of maximizing social security. The episode also explores scenarios where retirees may need to work part-time either out of necessity or for personal fulfillment, and how these choices fit into broader retirement plans.Kyle and Matthew share personal anecdotes and practical advice on purchasing cars and managing retirement finances. They touch upon the social and financial aspects of continuing to work post-retirement, including keeping health insurance costs manageable through programs like COBRA. The hosts also highlight the critical role of holistic financial planning, considering aspects like tax strategies and the interconnectedness of investment plans.

In this episode of "Your Retirement Highway," hosts Matthew P. Allgaier and Kyle R. Jones discuss the importance of comprehensive retirement planning, particularly in light of increasing lifespans and advancements in medical technology. They emphasize the need for detailed financial strategies that account for longevity risk, inflation, and income sources. Matt and Kyle highlight the role of medical advancements in extending lifespans, noting how these factors can significantly impact retirement savings. They stress the importance of understanding social security benefits and optimizing them to ensure financial stability during retirement. The show also touches on the emotional aspects of financial planning, including the recent loss of Kyle's pet, underscoring the personal nature of preparing for the future. They offer practical advice on how to avoid common pitfalls in retirement planning, such as underestimating future expenses and the impact of inflation. They advocate for proactive engagement with financial advisors to create tailored plans that address individual needs and risk tolerances. Listeners are encouraged to stay informed and make deliberate, informed decisions to secure their financial futures.

On this episode financial advisors Kyle Jones and Matt Allgeyer, focus on guiding listeners through successful retirement planning. Using a football game analogy, they emphasize the importance of having a well-rounded strategy that includes both offensive (high returns) and defensive (risk management) plays. They discuss the need for diversification in retirement plans, stressing that relying too heavily on high-risk investments could lead to significant losses if the market dips. They consistently remind listeners to ask their advisors tough questions about potential market downturns and to ensure their retirement plans are robust enough to handle various financial scenarios.Throughout the show, Kyle and Matt highlight the importance of having a comprehensive plan that accommodates both high-growth opportunities and safeguards against market volatility. They advise listeners to work with a team that can address multiple facets of retirement planning, including ensuring a steady income stream and protecting against financial pitfalls. By maintaining a balanced portfolio and being prepared for both market ups and downs, retirees can better secure their financial future and avoid critical mistakes that could impact their long-term goals