Podcasts about retirees

The average financial planner is about 56 years old, but 25-year-old Emma Von Weise got a running start learning about money as a teenager and is now one of the youngest CFP professionals. She shares how she became money savvy so early and what influences impacted her the most. She isn't here to judge the rest of us who started late but to help us make up for lost time—with humor, heart, and practical advice that meets you exactly where you are. In this episode, we discuss: Emma's money story and early financial literacy The spark that led to a career in financial planning at such an early age Why she is an old soul that just loves working with retirees Modern Day Continuing-Care Retirement Communities  

Avory Around the Desk PodcastIn this episode of Avory Around the Desk Podcast, host Sean Emory, founder and Chief Investment Officer of Avory & Co, welcomes Garth Friesen, an acclaimed investor, author, consultant, and former hedge fund manager. Garth shares his insights on a wide range of topics including market outlook, macroeconomic trends, the Federal Reserve's policies, and the impact of geopolitical events. Discussions also cover the effects of tariffs, real estate investment opportunities, and the transformative role of AI in various sectors. Whether you're a seasoned investor or new to the field, this episode offers valuable perspectives on navigating today's complex financial landscape.00:00 Introduction to Avory Around the Desk Podcast00:13 Meet Garth Friesen: Investor, Author, and Consultant00:49 Garth's Career Journey and Current Activities01:19 Current Market and Macro Environment04:01 Impact of Tariffs and Market Reactions13:36 Fed's Role and Economic Indicators16:12 Inflation, Data Accuracy, and Fed's Decision Making23:02 Strategic Views on Fed's Easing Cycle25:59 Impact of Fed Policies on Long-Term Rates27:29 Current State of the Real Estate Market29:08 Opportunities in Commercial Real Estate34:26 AI's Role in Investment Strategies45:01 Advice for Retirees and New Investors48:03 Where to Follow the Speaker's Work—Hosted by:Sean Emory, Founder & Chief Investment Officer, Avory & Co.https://www.avory.xyzGuest:Garth FriesenFollow Avory & Co or Sean Emory

Pack your sarongs and sunscreen, hunty—Queer Money is headed to Thailand!

Curious how sports valuations reflect broader financial trends? On this episode of Money Matters, Wes Moss and Jeff Lloyd break down the rising value of NFL teams—including the Atlanta Falcons—contrasting economic trends, and tax changes that could shape your financial outlook. • Track skyrocketing NFL team valuations and discover insights into broader financial trends. • Contrast corporate America's strength with the rising jobless claims in the broader labor market. • Review recent market performance and identify which sectors beyond technology are driving growth. • Examine the new OBBA tax bill and what its provisions could mean for retirees and families. • Navigate long-term capital gains brackets while considering strategies like tax gain and tax loss harvesting. • Consider a real-world hypothetical illustrating the new senior deduction and its potential impact on planning decisions. • Weigh the limitations of artificial intelligence in tax forecasting and the ongoing value of working with a CPA. • Explore top-performing stocks over the past 30 years and reinforce the benefits of broad portfolio diversification. Stay informed and proactive about your financial future. Listen and subscribe to the Money Matters Podcast today to keep gaining perspective and knowledge for a more confident retirement.

  What's drawing people to Hot Springs Village, Arkansas? After countless conversations with my audience, I've learned a few surprising lessons about the people considering/planning to retire here. In this episode of Hot Springs Village Inside Out, I share three big takeaways that caught me off guard:✅ Many of you are planning your move 2–4 years in advance ✅ Some of you move to different places to expand your retirement experience ✅ Golf, pickleball, and lake life are bigger motivators for some than the cost of living ✅ Quite a few of you think Hot Springs Village is more "touristy" than it really is✅ A surprising number of you have never even visited Arkansas before considering the Village If you're curious about life in Hot Springs Village—or just wondering why so many retirees are looking this way—this episode will give you an inside look at what's happening.

Is the bull market real—or just another bubble waiting to burst? In this episode of Retirement For Living, JoePat Roop breaks down market hype, tax traps, and the emotional realities of retirement planning. From Cam Newton’s tax regrets to a divorced-but-friendly caller advocating for her ex-husband’s financial future, this episode explores how to protect your savings, plan for income, and avoid costly mistakes. Whether you're nearing retirement or helping someone who is, this candid conversation offers practical insights with a dose of humor. For more information or to schedule a consultation call 704-946-7000 or visit BelmontUSA.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

"Only 5% of retirees say they're living the dream and 19% are living the nightmare." says Deb Boyden in an article from Yahoo Finance. Deb provides three lessons to protect your future, which we dig into to see how it applies to your retirement: Lesson 1: You're Probably Not Saving Enough Lesson 2: Expect the Unexpected Lesson 3: Winging It Won't Get You There In our Listener Question segment, we talk about the pro rata rule and Roth conversions. It's one of those areas that seems simple on the surface but trips a lot of people up once you start digging in, so we unpack what the pro rata rule really means and why, in most cases, an extra step at the point of retirement, and a bit of double-checking will keep things as clean and simple as possible.  Resource: Article on Yahoo Finance from Deb Boyden: "Only 5% of retirees say they're ‘living the dream' and 19% are ‘living the nightmare.' Here are 3 lessons to protect your future"   Connect with Benjamin Brandt Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Subscribe to the newsletter: https://retirementstartstodayradio.com/newsletter Work with Benjamin: https://retirementstartstoday.com/start Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart  Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement  

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For years, the Windfall Elimination Provision and Government Pension Offset reduced benefits for those who had rightfully earned them. Now that those policies are gone, many are left with questions. Eddie Holland joins us to help clarify what's changed and what it means for your retirement.Eddie Holland is a Senior Private Wealth Advisor and partner of Blue Trust in Greenville, South Carolina. He's also a CPA, a Certified Financial Planner (CFP®), and a Certified Kingdom Advisor (CKA®).A Quick History of WEP and GPOThe Windfall Elimination Provision (WEP), enacted over 40 years ago, reduces Social Security benefits for individuals receiving a non-covered pension—a pension from which no Social Security taxes were withheld. This often included employees in state and local government jobs, such as teachers, police officers, and firefighters.Similarly, the Government Pension Offset (GPO) reduced a spousal or survivor benefit for individuals in the same situation. These rules were designed to prevent “double-dipping,” but they often unfairly penalized modest-income workers, sometimes reducing their monthly Social Security checks by hundreds of dollars—or even eliminating their spousal or survivor benefits entirely.The Social Security Fairness Act of 2025That changed on January 5, 2025, when President Joe Biden signed the Social Security Fairness Act. This legislation repealed both WEP and GPO, effective retroactively as of January 2024. As a result:Nearly 3 million Americans became eligible for retroactive benefits.Future monthly benefits for those affected have also been adjusted upward.This marks a significant win for many retired public servants who had long felt the weight of these provisions.What to Expect if You're AffectedThere are two phases of payments:Retroactive Payments – Starting in March 2025, some individuals received large one-time deposits representing the benefits they should have received since January 2024. These payments often arrived with little to no explanation, leaving many confused. Adjusted Monthly Benefits – Beginning in April 2025, Social Security began increasing ongoing monthly benefits for those impacted.It's important to note that these changes only apply to individuals with a non-covered pension, not all civil service employees.Steps to Take if You Think You QualifyIf you believe these changes may apply to you, Eddie recommends two simple steps:Check Your Account Online. Visit SSA.gov to log in to your account (or create one if you haven't already). Contact the Social Security Administration. If your account doesn't show any updates or you have questions, call 1-800-772-1213 or schedule an appointment at your local SSA office to speak directly with an agent.If navigating these changes feels overwhelming, consider consulting a Certified Kingdom Advisor (CKA) who specializes in matters related to Social Security, who can help you make informed, faith-based financial decisions. You can find one in your area by visiting FaithFi.com and clicking “Find a Professional”. On Today's Program, Rob Answers Listener Questions:I'm 60 years old and planning to retire early at 62. I'd also like to pay off my house before I retire. Is that a smart move, and is it realistic given my current financial situation?I understand that retiring before my full retirement age will result in a reduction of approximately 8% per year in my Social Security benefit. How do Social Security cost-of-living adjustments factor into that reduction?My grandson wants to be added as an authorized user on my credit card to take advantage of my good credit score so he can get a lower interest rate on a car loan. Is that a wise decision?At what age am I required to start taking distributions from my 401(k)? Also, I have two family members—one with dementia and another recovering from a stroke. How can we protect their assets, such as their house and 401(k), if they need long-term care?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Social Security Administration (SSA.gov)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Thousands of retired public servants who paid into Social Security are finally seeing relief, but the story doesn’t end there. For years, the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) reduced benefits for those who had rightfully earned them. Now that those policies are gone, many have questions. On the next Faith & Finance Live, Rob West and Eddie Holland help clarify what has changed. Then, it’s on to your calls. That’s Faith & Finance Live —where biblical wisdom meets today’s finances, weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here. See omnystudio.com/listener for privacy information.

Send us a text and chime in!Retirement is the perfect time to hit the road and enjoy the beauty of northern Arizona - without the rush of tight schedules. The Prescott area offers some of the most scenic drives in the state, filled with charming towns, stunning landscapes, and plenty of spots to stretch your legs along the way. Here are a few retiree-friendly day trip ideas that combine beauty with relaxation. Jerome: Arizona's Mile-High Town Just under an hour from Prescott, Jerome is a historic mining town with extraordinary beauty. Today, it's known for its art galleries, quirky shops, and panoramic views of the Verde... For the written story, read here >> https://www.signalsaz.com/articles/day-trips-for-retirees-scenic-drives-around-prescott/Check out the CAST11.com Website at: https://CAST11.com Follow the CAST11 Podcast Network on Facebook at: https://Facebook.com/CAST11AZFollow Cast11 Instagram at: https://www.instagram.com/cast11_podcast_network

What if your home equity could be the solution to your financial peace of mind in retirement? In this episode of The Mike Litton Experience, we sit down with Kevin Guttman, nationally recognized reverse mortgage expert, author, and passionate advocate for retirees. With over 20 years of experience in the mortgage industry, Kevin reveals the […]

Join Andy Addis and Danny Payne for a discussion on a gift God has given the rural church in older members. Retirees can be one of the greatest assets a church has, if we see them that way. Volunteering, serving and ownership all give older congregation members a purpose that can align with the vision […]

Chuck Zodda and Paul Lane discuss how Google lost its antitrust case but came away with no penalties and likely stronger. Gen Z is expected to slow down holiday spending. Retirees are told to 'work longer' to make ends meet. But what if jobs disappear. GM had a record month of EV sales. Is a collapse coming? How Hollywood missed its mark this summer. The new Blue Apron makes flexibility the star ingredient.

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William Bengen established 4% as the initial safe withdrawal rate in retirement more than 30 years ago. But in subsequent research, he has concluded that 4% is likely much too low. That research is thoroughly explained in his new book, “A Richer Retirement: Supercharging the 4% Rule to Spend More and Enjoy More.”Bengen joined Motley Fool retirement expert Robert Brokamp to discuss:- how factors such as market valuation and inflation affect the safe withdrawal rate- whether retirees should decrease or increase their allocation to stocks as they get older- Bengen's suggested withdrawal rate for current retireesHost: Robert BrokampGuest: William BengenEngineer: Adam LandfairDisclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement.We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode.Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Labor Day episode, Shahin dives into the financial implications of the holiday and shares ten crucial financial habits people can adopt before the end of the year.Labor Day is identified as the second-biggest retail spending weekend (following Black Friday), significantly influencing markets as banks close and September trading commences [i]. During this period, travel demand spikes, leading to increased costs for airlines, hotels, and gas [i]. Additionally, 40% of states adjust their minimum wages, and the rise of gig work reflects underlying financial insecurity [i]. Union workers, despite shrinking membership, continue to earn 10–20% more [i]. Retirees, in particular, are advised to steer clear of traveling during this surge [i].The episode also highlights how Labor Day serves as a critical moment for planning and year-end preparation [i]. Many companies initiate sales as their fiscal years conclude in September, and individuals are encouraged to review their retirement savings, noting that the average 401k for ages 45–54 is approximately $150,000 [i]. It's an opportune time to review tax deductions, tackle credit card debt, and strategize for Q4 and holiday spending [i]. The discussion further touches upon the reality that some workers lack paid time off, underscoring the importance of reassessing financial resilience [i].To help listeners build wealth and financial stability, Shaheen shares 10 essential financial habits:• Track spending to identify savings opportunities [i].• Automate savings into high-yield accounts [i].• Monitor net worth regularly [i].• Increase retirement contributions, even by a small percentage (e.g., 1%) [i].• Pay off high-interest or small debts [i].• Avoid maxing out 401k too early to optimize company match benefits [i].• Rebalance and diversify investments [i].• Start a side hustle for additional income [i].• Maximize tax deductions with the help of a professional [i].• Set clear, personal financial goals [i].

Yet another warning on private investments! I remember hearing about a company by the name of Yieldstreet a few years ago and how it was a new way for smaller investors to get access to private investments and diversify away from stocks. The company promoted their platform with the tagline, “Invest like the 1%.” Unfortunately, it is now coming out that several investors may have lost everything they invested in the platform. One gentleman shared with CNBC how he invested $400,000 in two real estate projects: A luxury apartment building in downtown Nashville overseen by former WeWork CEO Adam Neumann's family office, and a three-building renovation in the Chelsea neighborhood of New York. Each project had targeted annual returns of around 20%. After three years, Yieldstreet declared the Nashville project a total loss, which wiped out $300k of his funds and the Chelsea deal needs to raise fresh capital or it will face a similar fate. Unfortunately, he is not alone and CNBC reviewed documents that show investors put more than $370 million into 30 real estate projects that have already recognized $78 million in defaults in the past year. Yieldstreet customers who spoke to CNBC say they anticipate deep or total losses on the remainder. Looking into this platform in more detail, it's crazy what they were doing. Their portfolio doesn't just consist of real estate as there is also private equity, private credit, art, crypto, and other less common investments. It appears Yieldstreet makes money by charging a management fee of around 2% on invested funds. The craziest part to me though was in several cases, Yieldstreet went to its userbase to raise rescue funds for troubled deals and told members the loans combined the protections of debt with the upside of equity. But in one case, a $3.1 million member loan to rescue a Nashville project was wiped out after just a few months! One of the big problems with these platforms is professional large investors are more disciplined when looking at investing in this space and the smaller players may be getting the bad deals that are passed over by the more established players. It's unfortunate to see people lose money like this, but this is why I avoid the private investment space. There is just not enough clarity and in many cases these platforms seem to be in it for themselves rather than for their investors. I will continue to invest in good, quality equities as I worry, we will continue to hear stories like this from investors who put money into private investments thinking they were investing in a safer asset, just to find out years later there is nothing left.     Will tariffs hurt this holiday season? Here we are already at the end of August and before you know it, you'll be thinking about putting out the Christmas lights and decorating your home. For the past few years, we have seen growth in holiday sales, but this year could be different as it appears from recent conference calls from CEOs at Walmart, Home Depot and Target that they are seeing the tariff increases starting to come through. During his recent conference call, the CEO of Walmart, Doug McMillon, said that the impact of tariffs has been gradually increasing to protect the consumer, but he also said that the company is seeing cost increases each week as it rebuilds inventories with new products post tariff. He also mentioned that they may not be able to protect the consumer from rising prices much longer. What is also bad about this is that retail sales may rise, but consumers will receive less product to put under the Christmas tree considering sales are not adjusted for inflation. This could be the delayed inflation that Jerome Powell and the Federal Reserve has been waiting for and unfortunately, it may show up when people begin shopping for Christmas gifts. Maybe there should not be an interest rate cut in September after all?    Should you work in retirement? When many people are in their working years, they can't wait to retire so they can do what they want to do. For some people that retirement works out well, but science has shown that there's health benefits to working in retirement along with financial benefits. The health benefits would include more physical activity as you're not laying around the house or sitting in the rocking chair on the front porch. Instead, you're moving around walking places and staying active. Working also helps you stay connected with other people, which has been proven to extend your life. The financial benefits from working in your later years would include taking out less from your retirement accounts to maintain a good lifestyle. Also, you can hold off on Social Security which means you'd get a larger Social Security check when you do decide to collect. The type of work you do depend on you and some people in retirement have started a second career that is a job that they always wanted to do. Some people just work part time to stay active and involved. If you're in retirement, you can take a low stress job because you don't really need all the income to cover your expenses as long as you have the financial accounts/investments to do so.   Financial Planning: The challenge of creating retirement income For decades, American workers relied on pensions, but today retirement security largely depends on defined contribution plans like the 401(k), where the burden has shifted to the individual saver. The real challenge comes when it is time to turn a pile of assets into a reliable, inflation-adjusted income stream that can last 20–30 years. Some retirees look to CDs and Treasury bills, which are guaranteed and currently pay about 4% interest, but they offer no appreciation to offset inflation and yields will likely decline as short-term rates drop. Corporate bonds may provide a slightly higher return, but they come with interest rate, credit, duration, and reinvestment risks that often outweigh the modest extra yield. Others consider annuities, which can create a pension-like income stream, but these require handing over principal, and because they are designed by insurance companies, the terms typically favor the provider rather than the investor. High-dividend stocks can also be appealing, but they may be a trap, as struggling companies often have elevated yields due to falling stock prices, which can be compounded further if the dividend is cut. On the other end of the spectrum, broad market indexes like the S&P 500 and Nasdaq have been popular for growth, but their dividend yields remain low, around 1.2% and 0.8% respectively, forcing investors to sell shares for income, and poorly timed sales can shorten portfolio longevity. Even dividend aristocrats, known for steadily increasing payouts, currently only yield about 2% to 2.5% on average. There is no simple solution, but one truth stands out: accumulating assets is very different than generating income from them. Retirees need a clear income plan before leaving the workforce in order to maximize both security and enjoyment in retirement.   Companies Discussed: Cracker Barrel Old Country Store, Inc. (CBRL), Zoom Communications Inc. (ZM), Ralph Lauren Corporation (RL) & Viking Holdings LTD. (VIK)  

On this episode: An old financial practice is making a comeback. What are the benefits of converting IRA money to Roth? Retirees aren't buying into financial "rules of thumb" anymore. Like this episode? Hit that Follow button and never miss an episode!

The Hidden Lightness with Jimmy Hinton – A retired man in Florida, known as the “tech fairy,” is transforming lives by rebuilding and donating over 700 computers to people in need. From students completing homework to job seekers finding opportunities, his mission bridges the digital divide. With each device, he delivers dignity, access, and hope, proving one person can spark extraordinary change...

The healthcare landscape changes dramatically when you hit retirement age, and Medicare—that government program you've been paying into for decades—finally becomes available. But is it really the free healthcare solution many Americans believe it to be? In this illuminating episode, we unpack the reality behind the Medicare system and what it actually costs retirees.Many approaching retirement assume Medicare will eliminate their healthcare expenses, but the truth is far more complex. We break down each component of Medicare—from premium-free Part A (hospital coverage) with its surprising $1,600 per-stay deductible to Part B's monthly premiums of $175 for doctor visits and medical tests. You'll learn why Medicare Part C (Advantage Plans) might seem attractive with added vision and dental benefits but could ultimately restrict your healthcare choices, and why traditional Medicare with a supplement plan offers more comprehensive coverage despite higher upfront costs.The financial reality is sobering: even with Medicare, retirees should budget $6,000-$10,000 per person annually for healthcare expenses. This includes premiums, deductibles, and costs for services Medicare doesn't cover like comprehensive dental, vision, and hearing care. We share practical strategies for managing these expenses, including leveraging HSA accounts from your working years to cover Medicare premiums tax-free, and why coordinating your Social Security start date with Medicare enrollment can simplify premium payments.Don't get caught unprepared by Medicare's complexities. Whether you're approaching retirement or helping aging parents navigate their healthcare options, this episode provides the clear, straightforward guidance you need to make informed decisions. And remember to review your coverage during the annual open enrollment period from October through December 7th—even if you're satisfied with your current plan, as benefits and networks frequently change. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

Best Places in Malta for LGBTQ+ RetirementPalm Springs is cute, but what if your retirement backdrop was honey-colored cliffs, café culture, and 300 days of Mediterranean sunshine?By popular demand, we're spilling the limoncello on Malta—a tiny archipelago that's big on LGBTQ+ rights (ranked #1 in Europe!) and just might be your queer retirement fantasy. From Pride parades in Valletta to drag brunches at Café del Mar, Malta offers more than just Game of Thrones vibes and tax shelters for Crypto Bros.In this episode, we:

Is the 4% rule still relevant—or dangerously outdated? In this episode of Success in the New Retirement, Damon Roberts and Matt Deaton explore how longer lifespans, rising costs, and hidden 401(k) fees are reshaping retirement planning. They break down income strategies that go beyond traditional stocks and bonds, explain why mutual funds may be costing retirees more than they realize, and highlight the importance of working with a fiduciary. If you're serious about maximizing income and minimizing fees, this episode is a must-listen. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

 For many affluent retirees, the biggest financial fear isn't market volatility or rising taxes. It's this simple question: What happens if I'm not the one here to manage the plan? In this episode, we talk about a deeply personal concern shared by countless couples. When one spouse manages the investment strategy, the tax planning, and the long-term vision, the other is often left trusting that everything will work out. That trust may work fine today, but what if something changes tomorrow? What if the surviving spouse is left with a complex financial plan they don't fully understand? Devin shares his own story, including the moment he realized his wife might struggle to carry on the plan they had built together. From that fear came action; a series of steps to make sure she would not only inherit assets, but also confidence and clarity. You'll hear about the simple, practical moves you can make to protect the person you love, including how to start the conversation, what to document, and how to choose someone you both trust. This episode is a must-listen if you've ever thought, I just want to make sure my spouse will be okay if something happens to me. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Retirees are on edge as Labor hints at wealth taxes, Ray Hadley blasts Bob Carr for pushing an ugly anti-Jewish stereotype. Plus, Hamas flags fly in Brisbane as taxpayer-funded protests continue to spiral.See omnystudio.com/listener for privacy information.

Retirees who've paid off their homes are struggling to make ends meet. Auckland University researcher and Joyce Cook chair of Ageing Well Ngaire Kerse spoke to Ingrid Hipkiss.

It's Sunday and I'm wrapping up the week by summarizing this week's theme: A Financial Advisor Ranks The Worst Investments For Retirees In case you missed any episodes this week, here's the recap…

Even retirees who've paid off their homes are struggling with the cost of living as pressure goes on rates and insurance, financial mentors say. Money correspondent Susan Edmunds spoke to Ingrid Hipkiss.

This week on the Retirement Quick Tips Podcast, I'm ranking the worst investments for retirees. These investments are ones that I have never recommended and it's because after 17 years, I've seen them backfire - and in some cases, ruin someone's finances in retirement.  Today, I'm talking about private investments…  

In this video, we share with you some of the BEST things you can do with your time during retirement!Retirement isn't the end of the road—it's the start of a whole new adventure and so in this video, I'll share 9 of the best things you can do in retirement to fill your days with joy, meaning, and excitement.Whether you're looking for fun hobbies, new travel ideas, or simple ways to stay connected and engaged, these tips will help you make the most of this new chapter in life. From staying active and exploring your passions to finding new ways to give back and connect with others, these ideas are designed to spark inspiration and remind you that the best years can still be ahead.Retirement is your chance to do more of what you love—and maybe even discover something new. Timestamp00:00 - Find a hobby02:20 - Use your knowledge03:40 - Volunteer04:35 - Travel06:33 - Be active07:48 - Become a writer08:35 - Learn, Learn, Learn09:45 - Get a part time job 111:15 - ConnectionPlease check out my video about loneliness in retirement✅https://youtu.be/a4_OEVoJGcc?si=NlomXsaUbvJIBA4kPlease check out my video about the 3 stages of retirement....Go Go Phase, Slow Go Phase and No Go Phase.✅https://youtu.be/4-_kDrQnwN8Please check out my video on the 4 stages of retirement!✅https://youtu.be/sELWGP7IyusPlease join our Facebook Group www.facebook.com/groups/lifestartsatretirement

This week on the Retirement Quick Tips Podcast, I'm ranking the worst investments for retirees. These investments are ones that I have never recommended and it's because after 17 years, I've seen them backfire - and in some cases, ruin someone's finances in retirement.  Today, I'm talking about structured notes…

This week on the Retirement Quick Tips Podcast, I'm ranking the worst investments for retirees. These investments are ones that I have never recommended and it's because after 17 years, I've seen them backfire - and in some cases, ruin someone's finances in retirement.  Today, I'm talking about high yield bonds, and more generally, high yield anything…

This week on the Retirement Quick Tips Podcast, I'm ranking the worst investments for retirees. These investments are ones that I have never recommended and it's because after 17 years, I've seen them backfire - and in some cases, ruin someone's finances in retirement.  Today, I'm talking about annuities.

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This week on the Retirement Quick Tips Podcast, I'm ranking the worst investments for retirees. These investments are ones that I have never recommended and it's because after 17 years, I've seen them backfire - and in some cases, ruin someone's finances in retirement.  Today, I'm starting with a controversial one: investment properties. Most often this is residential - so a rental home, a duplex, vacation rental, etc.

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Think Roth conversions are just for the ultra-wealthy? Think again. In this episode of The Retirement Key, Joshua Barbin breaks down what Roth conversions really are, why timing is everything, and how they can help retirees manage future tax burdens. From tax brackets to RMDs, this is a strategic look at turning taxable savings into tax-free legacy planning—without the jargon. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

We're going inside the new tax rules for retirees.  From a brand-new $6,000 deduction for seniors to major changes in how charitable giving is handled, the One Big Beautiful Bill Act has reshaped key parts of the retirement tax landscape.  We'll break down what's changed, what's just political spin, and what you can do right now to take advantage of these new rules.  After that, we answer a listener question: Have you ever wondered what the letters behind a Financial Advisor's name mean? Resources: John Manganaro article from ThinkAdvisor: How the New $6,000 Tax Deduction for Seniors Really Works Article from Fidelity Charitable: One Big Beautiful Bill (OBBB): Impact on charitable giving   Connect with Benjamin Brandt Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Subscribe to the newsletter: https://retirementstartstodayradio.com/newsletter Work with Benjamin: https://retirementstartstoday.com/start Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart  Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement  

Are Mini Retirements, Optionality, and Side Hustles Possible in the Military? From seven-month sabbaticals to turning a hobby into a thriving side business, Justin Peters from the FI Minded Podcast shares how dialing back work can supercharge your career, creativity, and financial freedom. Key Points & Topics Part-time work and mini sabbaticals Recognizing burnout and funding a seven-month break Differentiating sabbatical versus mini retirement Logistics: nest egg size, remote options, healthcare planning Optionality and financial independence mindset Dual-track strategy: accumulate wealth and improve life in tandem CoastFi and SlowFi as flavors of the 25x rule Pulling back on work without derailing long-term goals Turning a podcast hobby into a side hustle Initial struggles with audio editing and finding a partner Leveraging serendipity, referrals, and niche communities Advising small business owners: start with five imperfect episodes Intentional time off Avoiding passive downtime—set routines for hobby and health First two-week recovery period, then structured creative blocks Sharing your plan: scripts for family and friends Networking and community building FinCon conference connections Toastmasters for public-speaking confidence and lasting bonds Online FI communities and Facebook groups for accountability Military-friendly breaks Career Intermission Program: up to 36 months and healthcare continuity depending on your branch of service Guard and Reserve options to maintain benefits and part-time earnings Links Mentioned Justin's FI Minded podcast (search on any podcast player) Episode 171: gifting and donations with Spencer Reese Episode 170: living a FI life without a FI bank account Episode 142: Jillian Johnsrud on mini retirements Toastmasters International: https://www.toastmasters.org Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 19,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Tax laws have changed dramatically with the passage of the "One Big Beautiful Bill," and your retirement planning strategy likely needs to adapt. This sweeping legislation extends several tax cuts and Jobs Act provisions while adding several powerful new deductions specifically targeting seniors and retirees.Take a listen and to hear how these changes may affect your retirement. 

Welcome to a new week here on the Retirement Quick Tips podcast! I'm your host, Ashley Micciche. One of the fun things about being a financial advisor is that I get to peek into the financial lives of many different people, even before they become a client. One of the first things I request from a new potential client is a copy of their investment account statements so I can see what types of accounts they have (brokerage accounts, IRAs, Roths, etc), and how they're invested across those accounts.  And sometimes, an uncomfortable conversation I have with a new potential client involves getting the backstory on why they're invested the way they are. Most of the time, I'm trying to figure out their preferences and risk tolerance, but occasionally, I'm trying to figure out why they own a particular investment that is not appropriate for them. This week on the podcast, I'll be talking about the worst investments for retirees

Dan L., who was our very first guest, returns to the podcast to update us on his life after leaving Roehl Transport. Dan got his CDL through Roehl in 1994, and he then drove for TeamRoehl for nearly 20 years. He then came off the road and became an instructor in our Orientation and Driver Development Department until his recent retirement. 

Here are the facts:New Mexico needs 200 more primary care physicians right now. That may sound smaller than Texas or Arizona's numbers, but proportionally our shortage is far worse. If Texas faced what we're facing, they'd need nearly 3,000 doctors—three times their actual need.We rank 7th in the nation for malpractice claims per 100,000 people. That makes malpractice insurance costs skyrocket, driving doctors to other states.Trial lawyers are funding shadow groups like New Mexico Safety Over Profits to block reforms. Over 74% of their donors are tied to the Trial Lawyers Association.Earlier this year, a bill that would have capped attorney fees and brought relief for doctors failed by just one vote. That's how powerful the trial lawyer lobby really is.This isn't about politics—it's about people. Cancer patients can't wait months for care. Families shouldn't have to drive out of state to find a doctor. Retirees shouldn't have to question whether they can grow old here safely.The bottom line: until we reform malpractice laws and stand up to trial lawyers, New Mexico will keep losing doctors—and patients will pay the price.

Kyle Chassé (@KyleChasseCrypto) believes the Trump administration's latest legislative steps to enhance crypto regulation will aid investors saving up for retirement. He calls it a "huge opportunity," as he sees Bitcoin prices substantially multiplying over the next several years.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

Many seniors today face significant financial strain—some even resort to borrowing to cover their basic living expenses.For retirees on a fixed income, a reverse mortgage can be a practical solution to access the equity in their home and bring much-needed stability. Harlan Accola joins us today with a message of hope for those looking for margin in their retirement years.Harlan Accola is the National Reverse Mortgage Director at Movement Mortgage, an underwriter of Faith and Finance. He is also the author of Home Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement.The Real Issue: Seniors Struggling with Credit Card DebtNearly 70% of seniors that Movement speaks with are carrying credit card debt. These aren't impulsive spenders buying luxury items. They're retired, living on fixed incomes, and they're relying on credit just to pay for basics like groceries and prescriptions. They're often asset-rich but cash-poor—sitting on significant home equity but drowning in interest rates of 25% to 35%.Many people suffer silently, too embarrassed to discuss their financial challenges. They don't realize that the equity in their home could be used to ease their burden without losing the home they love.One of the biggest hurdles is the spread of misinformation. People believe they'll lose their house, or that a reverse mortgage is inherently bad.In truth, the Home Equity Conversion Mortgage (HECM)—the most common form of reverse mortgage—is federally insured and designed to protect both the homeowner and their heirs. Properly structured, it can be a safe and responsible tool.Who Should Consider a Reverse Mortgage?Anyone over 62 with at least 50–60% equity in their home should take a closer look. A typical scenario might be someone still making monthly mortgage payments, even with a small remaining balance. Those payments—$800, $1,500 or more—can strain fixed retirement budgets.One common misconception is that you lose control of your home. In fact, you and your spouse can stay in your home for life, even if one of you passes away. You can choose how to receive the funds—from monthly income to a lump sum to the most popular option: a line of credit.Whether it's a car repair or a medical bill, reverse mortgage lines of credit provide flexibility. And it's all about wise stewardship.At the heart of this decision is a stewardship principle. As Proverbs 24:3 reminds us, “By wisdom a house is built, and through understanding it is established.” It doesn't make sense to live in a paid-off home but struggle to pay for groceries while racking up 30% interest on credit cards. That's not good stewardship.Reverse mortgages aren't for everyone—but many avoid them simply due to fear or misunderstanding. For some, it could be a life-giving solution.If you're entering—or well into—retirement and want to explore whether a reverse mortgage might be a fit for your situation, visit Movement.com/Faith. On Today's Program, Rob Answers Listener Questions:I'm 71 and still working, but I'm not sure how much longer I'll be able to keep it up. Would a reverse mortgage help me eliminate my monthly mortgage payment, allowing me to manage better if I need to stop working?I have recently retired and hold a 401(k) account with Fidelity. Someone mentioned a company called Big Money Retirement Solution, which offers a 9% annual return on an annuity. Should I consider moving half of my portfolio there?I heard there's a way to get a free credit report that the government requires. How do I access that?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Movement MortgageAnnualCreditReport.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

What if everything you've been taught about preparing clients for retirement is only half the story? Fritz Gilbert spent a decade writing over 400 articles about life after work on his blog The Retirement Manifesto. But the real transformation happened after he actually retired. In this episode, Fritz reveals the surprising emotional challenges retirees face — from losing structure and identity to silently wondering, “Is this all there is?” If you want to help clients move from simply retired to truly thriving, this conversation will teach you how to guide clients through the non-financial side of retirement. You'll Learn: The 4 psychological phases of retirement The 90/10 rule of retirement no one prepares you for How Fritz shifted from a saving to spending mindset The #1 mindset that helped him create a thriving life after work The emotional transition most retirees go through and how to prepare for it         *To sign up for Brendan's newsletter packed with resources to master the human side of advice → Click Here Resources: Book: Keys to a Successful Retirement by Fritz Gilbert Book: Control Your Retirement Destiny by Dana Anspach Book: Purpose Code by Jordan Grumet Charity: Freedom for Fido Connect with Brendan Frazier:  RFG Advisory LinkedIn: Brendan Frazier Connect with Fritz Gilbert:  LinkedIn: Fritz Gilbert Website: The Retirement Manifesto About our Guest:  Fritz Gilbert is a writer focused on helping people achieve a great retirement. Following his 33-year career in Corporate America, he has dedicated his retirement to writing on the topic and has become one of the leading bloggers on the subject of retirement, with a focus on both the "harder" (financial) and "softer" (lifestyle) issues that are critical to success after crossing "The Starting Line". His award-winning blog, The Retirement Manifesto, captures "the present before it becomes the past" as it chronicles his journey to and through retirement. His large following is primarily comprised of people approaching, or living in, retirement. His first book, Keys to a Successful Retirement, is a summary of the 24 keys he has identified and experienced in his own successful transition to retirement and is a "must-read" for anyone within five years of retirement. Fritz and his wife, Jackie, reside in the mountains of Blue Ridge, Georgia with their four rescue dogs. They enjoy cross-country travel in their RV to visit their daughter and her family in the Pacific Northwest and are active in charitable work in their local community. When he's not writing, Fritz enjoys a focus on physical fitness and spends as much time as possible in the mountains surrounding their retirement cabin. – Content here is for illustrative purposes and general information only. It is not legal, tax, or individualized financial advice; nor is it a recommendation to buy, sell, or hold any specific security, or engage in any specific trading strategy  Information here may be provided, in part, by third-party sources. These sources are generally deemed to be reliable; however, neither our guest nor RFG Advisory guarantee the accuracy of third-party sources. The views expressed here are those of our guest. They do not necessarily represent those of RFG Advisory, its employees, or its clients. This commentary should not be regarded as a description of advisory services provided by RFG Advisory or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice. Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, LLC (“RFG Advisory or “RFG”), a registered investment advisor. Private Client Services and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RF...

Howard Stern is swatting down talk of a SiriusXM collapse. Meanwhile, Kathy Griffin is privately “pea green” with envy over Nikki Glaser’s recent career surge. And Wendy Williams is ruffling feathers at her upscale NYC retirement community, leaving her golden-years neighbors fuming. Don't forget to vote in today's poll on Twitter at @naughtynicerob or in our Facebook group. See omnystudio.com/listener for privacy information.

For more than a decade, financial advisor and author Wes Moss has surveyed people near and in retirement. In Part 1 of this two-part discussion with Robert Brokamp, Wes shares the financial and non-financial metrics and habits of the happiest retirees. Also in this episode: - How the current bull market compares to those of the past - Estimates for the future returns from stocks - How to make more on your cash Tickers discussed: SGOV Host: Robert Brokamp Guest: Wes Moss Engineer: Dan Boyd Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

From protecting quarterbacks to protecting retirements, Triad Member, Terence Brown never stopped being a left tackle.After a career playing Division I football at BYU and a stint in the pros, he transitioned into financial services and brought his team-first mindset with him. Today, he leads Left Tackle Advisors—a fast-growing planning firm where protecting people's blind sides isn't just a tagline, it's deeply embedded in the culture.In this episode, Terence shares how he evolved from high-volume product sales to a planning-first model. He doesn't serve as many people, but the relationships got deeper, the work got better, and the clients got bigger.He unpacks how that transition fueled growth from $5M to $33M in annual new assets, how intentional language transformed his team's culture, and why the advisors who win long-term will be the ones who build real relationships—not just retirement plans.3 of the biggest insights from Terence…#1.) Why Language Matters More Than You ThinkTerence calls his clients “teammates”— and that one change has transformed the culture of his firm. His team doesn't “serve clients”; they protect their teammates. That small shift in language has created deeper connection, more ownership, and a community retirees actually want to be part of.#2.) Feedback Is a Superpower (If You Can Get Over Your Ego)Every athlete watches game film to improve. Terence brings that same philosophy into his business—recording every seminar, prompting AI to coach him, and treating every piece of feedback like a gift. His secret? Separating the message from the messenger so growth doesn't get blocked by ego.#3.) Solve Bigger Problems, Serve at a Deeper LevelBy shifting from a product-driven model to holistic planning, Terrence increased his average client AUM to over $700K — a significant jump from the smaller transactional accounts he started with. Fewer clients. Bigger impact. Stronger relationships. That's how he's building a firm and a legacy that lasts.SHOW NOTEShttps://bradleyjohnson.com/128FREE GIFT + JOIN THE DBDL INSIDER CREWToday's Gift: 30 minute 1:1 coaching call with BradAre you a financial advisor who feels stuck, needs help, or simply wants to have a conversation with Brad? Text “Coaching” to 785-800-3235 to apply for a 30 minute Zoom coaching session and we'll send you a link to Apply. That will also make you a DBDL Insider with VIP access to future resources and exclusive content. *Message and data rates may apply. Reply STOP at any time to opt-out of receiving text messages.FOLLOW BRAD JOHNSON ON SOCIALTwitterInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations.The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for.Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies.Terence Brown is an Investment Adviser Representative of Coppell Advisory Solutions LLC, dba, Fusion Capital Management, a registered investment adviser that only conducts business in jurisdictions where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. The firm is not engaged in the practice of law or accounting. Insurance and annuity products are not sold through Fusion Capital Management. Fusion does not endorse any annuity or insurance product, nor does it guarantee any insurance or annuity performance. Annuity and life insurance guarantees are subject to the claims-paying ability of the issuing insurance company. If you withdraw money from or surrender your contract within a certain time after investing, the insurance company may assess a surrender charge. Withdrawals may be subject to tax penalties and income taxes. Persons selling annuities and other insurance products receive compensation for these transactions. These commissions are separate and distinct from Fusion's investment advisory fees. TP08254635397See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.