Podcasts about retirement income

From the truths about making large purchases in retirement to whether you really need to pay off your mortgage before you stop working, I'm sharing years of financial expertise to challenge a few retirement myths so you can make balanced, informed decisions. We're talking strategies for charitable giving, clearing up misconceptions about reverse mortgages, and explaining why inflation may be your biggest risk in retirement.  If you're looking for practical advice on enjoying your savings while still planning for the long run, or if you want to protect yourself from financial scams and fraud, this episode is full of actionable tips to build your financial confidence for the years ahead. You will want to hear this episode if you are interested in... [02:02] Leaving money to charity after death reduces estate value for taxes, but offers no immediate tax deduction. [04:17] Qualified charitable distributions and large donations can reduce taxable income, but are only deductible if you itemize. [08:11] Don't rush to pay low-interest mortgages; invest instead, as returns can potentially exceed mortgage interest rates. [13:03] Balance stocks with bonds and cash to manage risk and volatility. [10:10] Reverse mortgages can be a great idea in certain circumstances. Navigating the Maze of Retirement Myths Retirement often brings a sense of relief; finally, you get to enjoy the fruits of your labor! However, it's also a period rife with uncertainty, especially when so much advice and information clash or seem outdated. In this episode, I'm tackling six of the most persistent myths retirees face.  1. Myth: Leaving Money to Charity Is Best Done After Death Many retirees assume that bequeathing assets to a charity upon passing is the most virtuous and tax-efficient way to give back. While this is always an option, leaving money to charity at death doesn't net you a tax deduction; it simply reduces the size of your taxable estate. For the vast majority, it's more impactful to consider gifting while alive. There are several ways to make charitable giving work for you, including: Qualified Charitable Distributions (QCDs): Donate part or all of your required minimum distribution directly from your IRA, reducing your taxable income. Cash Donations: If you itemize deductions, you can deduct cash gifts, potentially even enough to tip you into itemizing territory if the gift is large. Gifting Appreciated Assets: Donating highly appreciated stocks or real estate can minimize capital gains and offer you an income stream. 2. Myth: Large Purchases Are Off-Limits in Retirement Worried that buying a boat or funding a dream trip will doom your financial future? It's a myth that large expenditures are always ill-advised. With a solid withdrawal strategy, say, 5% of a $2 million portfolio, making a one-time, reasonable purchase might slightly reduce your yearly income, but if balanced against market growth and overall planning, it's rarely catastrophic. Thoughtful, planned spending helps you enjoy retirement, so don't deprive yourself unnecessarily! 3. Myth: The Less You Spend, the Better Many retirees become excessively frugal, reluctant to draw down the savings they worked so hard to accumulate. But can't take your money with you. While it's wise to have a budget and withdraw at a sustainable rate, being too conservative may rob you of life's joys, like travel, hobbies, or supporting family, while you're healthy enough to enjoy them. The key is balance: know your withdrawal rate and revisit your plan regularly. 4. Myth: You Must Pay Off Your Mortgage Before Retiring It's comforting to be debt-free, but urgently paying off a low-interest mortgage could backfire. If your mortgage rate is 5% or lower and your investments are earning more, you could be better off keeping the mortgage and leaving your assets to grow. Plus, withdrawing large chunks from retirement accounts to pay down a mortgage could trigger higher taxes or Medicare premiums and leave you with less liquidity. Carrying a modest mortgage into retirement is not a financial failure; it may be a savvy move. 5. Myth: Reverse Mortgages Should Be Avoided Reverse mortgages have a bad rap, often viewed as predatory or risky. While there were issues in the past, today's products are much more regulated. If you're 62 or older, a reverse mortgage can provide tax-free cash, letting you access home equity without moving. It's especially valuable if much of your net worth is tied up in your home, or unexpected expenses crop up. Investigate carefully, but don't dismiss this option out of hand. 6. Myth: A Market Crash Is the Greatest Retirement Risk Market volatility grabs headlines, but inflation and the risk of outliving your money are bigger threats. The right asset allocation, mixing stocks for growth with bonds and cash for stability, is essential. Yet, don't forget about inflation: stocks have historically been the best hedge. Also, financial scams are a growing risk; safeguard your accounts with strong passwords and authentication. By understanding the realities behind these common misconceptions, you can build a strategy that sustains not just your finances but your lifestyle and peace of mind.  Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Charles Schwab Understanding Reverse Mortgages: Unlocking Home Equity for Retirement Income with Mitch Cooper, #242  Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

This week, Damon Roberts and Matt Deaton discuss the evolving landscape of retirement planning, focusing on the fears surrounding financial security and the necessity of comprehensive financial strategies. They explore the implications of working into retirement, the impact of inflation, and the rising trend of gray divorce. The conversation also delves into the role of annuities in providing guaranteed income, emphasizing the importance of education and understanding in making informed financial decisions. 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.

In this episode of Beyond The Money, Jackie Campbell discusses the evolving landscape of retirement planning, emphasizing the importance of understanding income needs, tax strategies, and effective management of retirement accounts. She highlights the growing trend of adults planning to work during retirement due to financial concerns and the necessity of thorough planning to avoid pitfalls. The conversation also touches on the significance of finding lost retirement accounts and maximizing charitable contributions for tax benefits. For more information or to schedule a consultation call 352-251-1015 or visit www.mycampbellandco.com! Follow us on social media: Facebook | YouTube | X | InstagramSee omnystudio.com/listener for privacy information.

What if your retirement income never ran out—no matter how long you live? In this episode, Brandon Bowen breaks down how to create protected income streams using Social Security and annuities, and why now might be the best time in 15 years to consider one. With real-life examples and a cookie cake analogy you won’t forget, Brandon explains how to spend confidently, reduce market risk, and build a plan that lasts. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Should You Claim Social Security at 62?Dr. Preston Cherry challenges the idea that you have to wait until 70 to claim Social Security. For Gen Xers juggling aging parents and kids, claiming at 62 could offer more than just a check—it could bring peace of mind, flexibility, and better use of your money now. The key? Making the choice that fits your life, not someone else's rule of thumb.Takeaways:• More Flexibility Now• Less Portfolio Stress• Smart Tax Moves• Fits Gen X Life• Your Goals Matter00:00 Intro00:59 Should You Really Wait Until 70?03:52 Claiming Early as a Tax Strategy06:11 The Trap of Default Advice07:14 Final ThoughtsWant to learn more? Connect with us below!Stay informed and inspired! Join our FREE wealth & well-being newsletterDo you want confidence & clarity? Check out our award-winning wealth advice servicesGrab Your Copy of Dr. Cherry's book ‘Wealth In The Key of Life'Disclosure: episodes are educational only, not advice. Review our disclosures here: https://www.concurrentfp.com/disclosures/

This video explores the idea of creating a reliable and sustainable income for retirement, focusing on key principles rather than specific solutions. It encourages thoughtful planning and consideration of various factors that can impact your financial well-being later in life. Whether you're beginning your retirement journey or looking to refine your approach, this discussion offers insights to help you build a foundation that supports your unique goals and peace of mind. Don't forget to subscribe for more content from GulfCoast Financial! For more information, contact John Kuykendall at (386) 755-9018 and visit https://www.gulfcoastfinancial.net/

$900K Retirement Plan at 60: Stock Market Analysis**Schedule your free virtual consultation, click here: https://pearlwealthgroup.com/contact/ or use our calendar link: https://calendly.com/pearlwealthgroup/discoverycall ****Buy My Book: Can I Really Retire https://www.amazon.com/shop/drewblackstoncrc/list/2FDRXX3LFUXQ8?ref_=aipsflist **Wondering if $900K is enough to retire comfortably at 60? In this retirement video, we dive deep into stock market analysis and retirement strategies tailored for those nearing retirement with a $900K retirement nest egg. We'll explore key retirement investment opportunities, stock market trends, and potential risks to help you make the most of your retirement portfolio and maximize your retirement income. Whether you're already retired or planning your exit from the workforce, this retirement analysis will give you the confidence and insights you need to plan your future.❌ **Please make sure you talk with your CPA, Financial Advisor, Retirement Planner, or Investment Advisor Representative, before implementing any content from this channel. All videos are for informational and educational purposes only. None of the content, comments, responses, information, or any other item on this channel constitutes financial advice or recommendations. Please call Pearl Wealth Group at 813-807-5060 to go through your Retirement Income, Retirement Investments, or Retirement Plan in more detail.** ❌

This week, Damon Roberts and Matt Deaton discuss the importance of financial advisors, particularly for individuals nearing retirement. They emphasize that while younger individuals may not need an advisor, those aged 50 and older should start planning for retirement. The conversation also covers the misconceptions about 401(k) fees and the value of seeking professional advice. Additionally, the hosts explore the role of annuities in providing stable income during retirement and compare them to traditional pensions, highlighting the flexibility and control that annuities can offer. 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.

This week, Art McPherson discusses the significance of Roth conversions, the complexities of maximizing Social Security benefits, and the importance of mid-year financial reviews. He emphasizes the need for strategic tax planning and the resilience of the market amidst economic changes. The conversation also covers the initial consultation process for clients seeking financial advice, highlighting the personalized approach taken by McPherson Financial Group. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

What if your biggest retirement expense isn’t healthcare—but taxes? In this episode of Empower Your Retirement, Frank and Frankie Guida of A Better Way Financial explore how guaranteed income strategies, tax planning, and risk management can shape a more confident retirement. From real-life case studies to smart annuity options and portfolio adjustments, they break down how to align your financial plan with your lifestyle goals. Whether you're nearing retirement or just starting to plan, this episode offers practical insights to help you think differently about your future. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

This week, JoePat Roop discusses the critical importance of proactive retirement planning and the dangers of procrastination. He emphasizes the need for a comprehensive retirement income plan, including strategies like Roth conversions and custom pension plans. The conversation also covers the role of annuities in providing guaranteed income and the common mistakes retirees make. Listeners are encouraged to take action and seek professional advice to secure their financial future. 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.

What if your retirement plan is missing the one thing that could secure your future? In this episode of The Retirement Playbook, Granger Hughes breaks down the shifting realities of retirement planning—from rising national debt and tax uncertainty to the future of Social Security. With decades of coaching experience, Rick brings his playbook to the financial field, helping listeners navigate Roth conversions, income strategies, and market volatility. Whether you're five years from retirement or already there, this episode offers a grounded, educational look at how to build income for life—and lifestyle. Get to know the Hughes team and schedule a time to speak with them or see the upcoming events at https://hughesretirementgroup.com/ See omnystudio.com/listener for privacy information.

Tax gain harvesting is one of the most underused but powerful strategies available to early retirees and those pursuing financial independence. In this episode, we explore how it works, who it's best suited for, and how it can help reduce long-term tax liability.Unlike tax loss harvesting, which involves selling investments at a loss to offset gains, tax gain harvesting is about intentionally realizing gains when you're in a low or zero percent tax bracket—allowing you to reset your cost basis without triggering federal tax in certain situations.This strategy is most effective in taxable brokerage accounts and is typically not applicable to retirement accounts like IRAs or 401(k)s. It tends to work best in years where your income is lower, such as early retirement or transition periods before drawing Social Security.Even with additional income from dividends or part-time work, many people can still benefit from this approach. However, it's important to consider potential state tax implications as well.We'll break down how tax gain harvesting fits into a broader retirement tax strategy, what makes someone a good candidate, and how to use it thoughtfully as part of your long-term financial plan.- Advisory services are offered through Root Financial Partners, LLC, an SEC registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult your CPA or attorney regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements.Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

On this episode: A new study says with savings and Social Security together your retirement money could last 40 years or more. At what point should you start to ease out of the stock market? You’ll be shocked at how many people are having a successful retirement and don’t have a million dollars. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Can I Retire at 55 with $1,000,000: Is it ENOUGH?!?**Schedule your free virtual consultation, click here: https://pearlwealthgroup.com/contact/ or use our calendar link: https://calendly.com/pearlwealthgroup/discoverycall ****Buy My Book: Can I Really Retire https://www.amazon.com/shop/drewblackstoncrc/list/2FDRXX3LFUXQ8?ref_=aipsflist **Thinking of retiring at 55 with $1 million in retirement savings? In this retirement video, we break down whether that retirement nest egg can support your early retirement plans. We'll cover everything from retirement withdrawal rates and Social Security to lifestyle factors and retirement healthcare costs. Watch now to see if $1 million saved for retirement is enough for your retirement dreams!❌ **Please make sure you talk with your CPA, Financial Advisor, Retirement Planner, or Investment Advisor Representative, before implementing any content from this channel. All videos are for informational and educational purposes only. None of the content, comments, responses, information, or any other item on this channel constitutes financial advice or recommendations. Please call Pearl Wealth Group at 813-807-5060 to go through your Retirement Income, Retirement Investments, or Retirement Plan in more detail.** ❌

In this episode of Beyond The Money, Jackie Campbell discusses the critical aspects of building trust in financial relationships, the importance of initial consultations, smart tax strategies for retirement, managing debt, and the significance of legacy planning. Jackie emphasizes that trust is foundational in any financial advisory relationship and highlights the need for clear communication and understanding between clients and advisors. The conversation also delves into the complexities of retirement planning, including tax efficiency and debt management, and the emotional aspects of legacy planning to ensure families are not burdened after a loved one's passing. For more information or to schedule a consultation call 352-251-1015 or visit www.mycampbellandco.com! Follow us on social media: Facebook | YouTube | X | InstagramSee omnystudio.com/listener for privacy information.

This week on Charleston's Retirement Coach, Brandon Bowen discusses the common regrets people have about retirement, particularly the importance of saving early. He emphasizes the need for a solid retirement plan to address fears of running out of money and the role of income in achieving financial security. The conversation also touches on the 4% rule and its limitations, advocating for a more personalized approach to retirement planning that considers the 'go-go years' of retirement. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today! This episode, Nolan Baker reframes retirement not as a static milestone but as a dynamic, evolving chapter of life—one that requires continual learning, flexibility, and empowerment. The conversation moves beyond numbers and dives into how retirees can take control of their future through proactive tax planning, smart investment adjustments, and resilience in the face of life’s curveballs. With pensions dwindling and lifespans stretching longer than ever, the hosts offer a fresh, modern take on retirement—equipping listeners to harness technology, rethink outdated strategies, and build a financial life that aligns with their vision and values. About America's Retirement Headquarters: We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing one location for your entire retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind. Visit Us: 1700 Woodlands Drive, Maumee, OH 43537 Call Us: 419-794-3030 Learn More: ARHQ.comSee omnystudio.com/listener for privacy information.

Retirement planning often revolves around one critical fear: running out of money. A recent study highlights that retirees with guaranteed income, such as pensions, spend 42% more than those relying solely on savings, showcasing the confidence that steady income can provide. Ryan Herbert and Katherine Groce explain that understanding monthly expenses and crafting a plan that secures income through diverse options—market investments, dividend portfolios, or annuities—retirees can prepare for financial stability regardless of market fluctuations. Want to begin building your retirement plan? Schedule a call with us here:

In this conversation, investment advisor Ethan Glasgow discusses the critical aspects of retirement planning, focusing on risk tolerance, the necessity of a spending plan, and tax strategies for retirees. He emphasizes the importance of understanding one's financial situation and making informed decisions to ensure a comfortable retirement. The discussion also touches on the implications of relocating for tax benefits and how proper planning can mitigate tax burdens without needing to move. As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for. To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.comSee omnystudio.com/listener for privacy information.

Send us a textWelcome back to the Retirement Learning Lab! In this episode, Van Richards continues the "Getting Your Financial House in Order" series by showing you how to transform your organized documents into a crystal-clear picture of your true financial position.What You'll Learn:The critical difference between having organized documents and actually knowing what you're worthWhy even intelligent professionals struggle with financial planning (featuring real client stories)The three essential components of a complete financial inventoryHow to avoid the costly mistakes that could derail your retirementReal Stories That Will Open Your Eyes: Van shares two powerful client stories: Bob and Susan, who discovered they had $750,000 MORE than they thought (and could have retired years earlier), and Tom, who thought he had $900,000 but actually had only $525,000 (avoiding a retirement disaster).Key Topics Covered:Assets, liabilities, and net worth calculationSpecial considerations for retirement planningTax implications of different asset typesLiquidity considerations and growth vs. income assetsHow high debt can block access to reverse mortgagesThe emotional side of financial discoveryYour Free Tool: Download the Retirement Life Workbook Module 1 at forms.richardsfinancialplanning.com - the same organizational system Van uses with paying clients, now available free to help you create your comprehensive financial inventory.Action Steps for This Week:Gather all financial statementsList every asset with current valuesDocument all liabilities and debtsCalculate your net worth and liquid net worthReview everything with your spouseRemember: You can't solve problems you don't know you have, and you can't take advantage of opportunities you don't know exist. Your journey from insecure to in control starts with knowing exactly where you stand today.Next Week: Understanding what your financial inventory means for your retirement goals and tax-sensitive account strategies.Educational content only - not investment advice

Why This Episode Is a Must-Listen Today's retirees face more uncertainty than ever: market swings, inflation, and the disappearance of traditional pensions. In this episode of Inspired Money, host Andy Wang brings together four of the leading voices in retirement planning for a candid, practical conversation—one that moves beyond “rules of thumb” to reveal actionable ways to create reliable income and lasting peace of mind for your retirement years. If you want clarity in your retirement income plan, ideas to maximize your savings, or strategies for a fulfilling next chapter, this episode is packed with the real-world wisdom you need. A Word From Our Sponsor If you're looking for a standing desk to improve your posture, comfort, and overall work setup, I highly recommend the Ergonofis Sway Desk—it's beautifully designed, incredibly sturdy, and sustainably made. Check it out at my affiliate link: inspiredmoney.fm/standingdesk (I may earn a commission if you make a purchase, at no extra cost to you.) Meet the Expert Panelists Jamie Hopkins, Esq., LLM, MBA, is the Chief Wealth Officer at WSFS Bank and Chief Executive Officer of Bryn Mawr Capital Management. A nationally recognized retirement planning expert, Jamie has dedicated his career to improving financial security for Americans through leadership roles in wealth management, financial education, and nonprofit advocacy. He is the founder and president of the FinServ Foundation, a nonprofit focused on expanding access to financial services careers. With a background in law, finance, and academia, Jamie brings a multidisciplinary approach to helping individuals and institutions build sound retirement income strategies. www.jamiehopkins.com www.bmt.com  Dana Anspach, CFP®, RMA®, is the founder and CEO of Sensible Money. She's dedicated her career to helping people create sustainable retirement income plans. She's the author of "Control Your Retirement Destiny" and "Social Security Sense." Dana's hands-on experience makes her a wealth of practical knowledge. https://www.sensiblemoney.com  Kerry Hannon is a nationally recognized workplace futurist, personal finance expert, and best-selling author who has spent over three decades guiding Americans—especially midlife professionals and women—through career transitions, entrepreneurship, and retirement planning. Her forthcoming book, Retirement Bites: A Gen X Guide to Securing Your Financial Future—now available for pre-order on Amazon—offers empowering, practical advice to help the overlooked generation take charge of their next chapter with confidence and purpose. https://kerryhannon.com   Roger Whitney, CFP®, CIMA®, CPWA®, AIF®, the "Retirement Answer Man," is a Certified Financial Planner with 27+ years in finance. Author of "Rock Retirement" and founder of the Rock Retirement Club, he's also the voice behind the popular Retirement Answer Man podcast that has over 8 million downloads. https://www.rogerwhitney.com Key Highlights: Retirement Isn't Just About Maximizing Returns—It's About Reliable Income and Peace of Mind Dana Anspach reminds us: “A good retirement plan shouldn't be tied to where that pogo stick is on its trajectory. It's one that focuses on stability of cash flows over time.” The panel discusses why shifting your mindset from maximizing account balances to managing sustainable cash flow is key to peace of mind. Work, Entrepreneurship, and Purpose Play Critical Roles in a Modern Retirement Kerry Hannon points out that working longer—whether through career extension, entrepreneurship, or passion projects—can boost both financial security and life satisfaction. “How can you continue to work longer? It's a dramatic way to give yourself some security in retirement if you can stay working longer.” The episode explores creative ways Gen X and boomers are redefining "retirement." There's No One-Size-Fits-All: Frameworks vs. Rules Roger Whitney insists that “the answer to almost every question...is ‘It depends'.” No single formula fits everyone; a personalized, evolving plan that balances what you want out of life with practical financial strategies is essential. The episode delves into why regular reviews and customized “guardrails” are more important than rigid withdrawal rules. Guardrails, Buckets, and Behavioral Coaching Are More Vital Than Ever Jamie Hopkins and Dana Anspach review popular strategies like bucket and guardrails approaches, emphasizing that tools and behavioral coaching work best when tailored to each retiree's unique needs and anxieties. Jamie also warns about new financial threats: “I think that fraud...is going to become rampant. It's the biggest concern out there...it's a big concern.” Call-to-Action If you've been feeling uncertain about your own retirement income plan, here's your assignment for the week: Take 30 minutes to map out your expected sources of income in retirement—pensions, Social Security, savings, investments—and identify any potential gaps. Just getting it on paper can give you clarity and a starting point to make smarter, more confident decisions.  Thanks for tuning in to Inspired Money. Keep learning, stay intentional, and as always—be inspired to take action.  Find the Inspired Money channel on YouTube or listen to Inspired Money in your favorite podcast player. Andy Wang, Host/Producer of Inspired Money

Mark Falter, Retirement Income Hour | 6-5-25See omnystudio.com/listener for privacy information.

Turning 65 and thinking about retirement? One of the biggest retirement expenses you'll face is healthcare—and Medicare doesn't cover everything. In this retirement video, we break down what you need to know about healthcare planning at retirement, including Medicare basics, out-of-pocket costs, and smart strategies to protect your retirement savings.**Schedule your free virtual consultation, click here: https://pearlwealthgroup.com/contact/ or use our calendar link: https://calendly.com/pearlwealthgroup/discoverycall ****Buy My Book: Can I Really Retire https://www.amazon.com/shop/drewblackstoncrc/list/2FDRXX3LFUXQ8?ref_=aipsflist **❌ **Please make sure you talk with your CPA, Financial Advisor, Retirement Planner, or Investment Advisor Representative, before implementing any content from this channel. All videos are for informational and educational purposes only. None of the content, comments, responses, information, or any other item on this channel constitutes financial advice or recommendations. Please call Pearl Wealth Group at 813-807-5060 to go through your Retirement Income, Retirement Investments, or Retirement Plan in more detail.** ❌

Retirement planning can be a critical turning point in financial security—are you prepared to tackle the risks and rewards? Frank and Frankie Guida unpack retirement portfolio strategies, emphasizing the importance of balancing risk tolerance and long-term growth. They explore the dangers of market downturns during retirement years and offers a comparison between traditional safe investments, like bonds, versus alternatives such as fixed index annuities. Real-world examples demonstrate how adjusting portfolios can optimize income and reduce exposure to significant losses. If you’ve saved for retirement but are unsure of your portfolio’s risk levels or potential returns, exploring strategic options could redefine your financial future. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

This week, Art McPherson discusses the critical differences between being rich and being wealthy, emphasizing the importance of proper retirement planning. He outlines the phases of retirement, including the go-go, slow-go, and no-go years, and stresses the need for a solid income strategy that accounts for inflation and unexpected expenses. Art also shares insights on investment strategies, the impact of taxes on retirement income, and the importance of seeking professional financial guidance, especially after setbacks such as business failures or divorces. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

On this conversation, Kevin discusses the current landscape of annuities and retirement planning, emphasizing the impact of changing interest rates on fixed annuity rates. He addresses common myths surrounding retirement strategies, particularly the outdated 4% withdrawal rule, and highlights the importance of guaranteed income for a secure retirement. The discussion also touches on the concept of residual income, using the example of actor Matt LeBlanc, to illustrate how guaranteed income can provide financial freedom in retirement. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

In this episode, Nolan Baker discusses strategies for balancing risk and security in retirement portfolios, emphasizing the importance of understanding investment rules, managing emotional reactions to market volatility, and being aware of hidden fees that can erode savings. They also highlight the significance of having a clear retirement plan and the need for regular reviews to adapt to changing circumstances. Register for the upcoming Seminars with America's Retirement Headquarters at ARHQ Events Learn more about America's Retirement Headquarters and upcoming events online. Follow us on Facebook, YouTube and LinkedIn for even more helpful insights you can use for retirement. See omnystudio.com/listener for privacy information.

Retirement doesn’t have to mean taking unnecessary risks with your savings. Mike Canet & Katherine Groce explain how thoughtful planning and tailored strategies can help retirees create sustainable income streams while minimizing exposure to market volatility. They highlight examples of retirees, like one who thrives with just a 5% return by living within his means and structuring his investments wisely. Mike & Katherine also explore alternatives to traditional stock market investments, such as CDs, fixed index annuities, and structured notes, emphasizing solutions for those seeking stability and added peace of mind in retirement. Want to begin building your retirement plan? Schedule a call with us here:

We go through some of the mistakes people make when moving money from an IRA or 401(k) to a Roth. We also share a story of a 90-year-old who choose not to do conversions and is now in a tax nightmare. Like this episode? Hit that Follow button and never miss an episode!

Retirement can bring freedom, but only if your income plan is built for your needs. In this episode of Retiring Today, we walk through five common income traps that can catch families by surprise. Each trap is unpacked with practical steps to help you think more critically and make more informed decisions. --Ready to take the next step? Schedule a call now at https://bit.ly/4kCEI8y to get answers to your retirement questions.Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/3ZzEruH--Loren Merkle, CFP®, RICP®, Certified Financial Fiduciary®https://merkleretirementplanning.com/staff-members/loren-merkle/Chawn Honkomp, CFP®, RICP®, Certified Financial Fiduciary®, CPA® https://merkleretirementplanning.com/staff-members/chawn-honkomp/Molly Nelson, Host of Retiring Today with Loren Merklehttps://merkleretirementplanning.com/staff-members/molly-nelson/-- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.Medicare services are provided through MRP Insurance, LLC. Any and all other services related to insurance are outside business activities and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently, we represent [5] organizations that offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

In this conversation, Nathan Fort and Morgan Patrick discuss the various stages of retirement, emphasizing the importance of planning and preparation. They explore the pre-retirement phase, the transition into retirement, the honeymoon phase, and the potential disenchantment that can follow. The discussion highlights the need for a solid financial plan to navigate these stages successfully and find purpose in retirement, ultimately leading to stability and confidence If you have any questions concerning your retirement call Nathan Fort 800-890-5008 or click here to visit our website. Retiring, Planning, Saving, Healthcare, 401K, Roth, TaxesSee omnystudio.com/listener for privacy information.

On this episode: Developing a “pension-like” income. Is your Financial Advisor communicating or are you in a blackout? A possible snag in the IRA-to-Roth conversion. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Send us a textAfter 30+ years helping people plan for retirement, I've never met one person who regretted getting organized. Yet most people want to jump straight to the exciting stuff—investment strategies, dream vacations, Bitcoin. Here's the truth: without organized financial information, everything else becomes guesswork rather than strategy.In this episode, I share two real stories that perfectly illustrate why organization matters:

This $400K Roth Strategy at 55 Might Change Your Retirement**Schedule your free virtual consultation, click here: https://pearlwealthgroup.com/contact/ or use our calendar link: https://calendly.com/pearlwealthgroup/discoverycall ****Buy My Book: Can I Really Retire https://www.amazon.com/shop/drewblackstoncrc/list/2FDRXX3LFUXQ8?ref_=aipsflist **If you're 55 years old with around $400,000 saved for retirement, a Roth IRA conversion could be a game-changer for your retirement future. In this retirement video, we break down a smart, tax-efficient Roth conversion retirement strategy specifically designed for pre-retirees in their mid-50s. Learn how to potentially reduce your future retirement tax burden, increase tax-free retirement income in retirement, and avoid costly retirement mistakes.❌ **Please make sure you talk with your CPA, Financial Advisor, Retirement Planner, or Investment Advisor Representative, before implementing any content from this channel. All videos are for informational and educational purposes only. None of the content, comments, responses, information, or any other item on this channel constitutes financial advice or recommendations. Please call Pearl Wealth Group at 813-807-5060 to go through your Retirement Income, Retirement Investments, or Retirement Plan in more detail.** ❌

Ever wonder how to optimize your retirement portfolio? Frankie Guida and Noah Williams go through strategies for balancing risk and returns, analyzing underperforming investments, and making informed decisions to boost your retirement income. Learn how one couple reduced their risk while increasing their potential returns and saving on fees, translating to a significant increase in annual income. Tune in for insights on evaluating your financial position and positioning yourself for a secure and prosperous retirement. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

This week on Charleston's Retirement Coach, Brandon Bowen discusses his motivation for helping others navigate retirement planning, the importance of managing emotions during market volatility, the future of Social Security, and how to uncover waste in investment portfolios. He emphasizes the need for strategic planning and the value of having a financial advisor to guide individuals through their retirement journey. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Moody's downgraded the US credit rating for the first time in history. This is the last of the 3 major credit agencies to downgrade the US credit rating. The primary... The post Moody’s Downgrades US Credit Rating, 30-Year Treasury Hits 5% (How to Increase Your Retirement Income Guaranteed) | Your Personal Bank Show | 05-27-25 appeared first on WWDB-AM.

People get dependable, regular paychecks during their working career. But when retirement comes, those regular paychecks need to come from other sources. Pat takes a look at what these are, and how to create a foundational piece of income that covers regular expenses as part of a solid retirement plan.

Mike Canet and Ryan Herbert reflect on Warren Buffet’s recent retirement and one of his many famous quotes: “Never run out of money.” They discuss creating income streams that retirees cannot outlive and emphasize the importance of protecting savings from market volatility while ensuring consistent growth through methods like dividend-paying stocks, preferred shares, or annuities. Want to begin building your retirement plan? Schedule a call with us here:

In this episode of Retire Fit Radio, Nathan Fort discusses the surprising positivity among retirees, with 72% reporting that their retirement is going better than expected. The conversation explores five key strategies that successful retirees are implementing, including building multiple income sources, locking in predictable income, and consolidating accounts for better financial clarity. Additionally, the hosts address potential red flags for retirement, such as living paycheck to paycheck and managing high-interest debt, emphasizing the importance of having a clear understanding of expenses and a solid financial plan. If you have any questions concerning your retirement call Nathan Fort 800-890-5008 or click here to visit our website. Retiring, Planning, Saving, Healthcare, 401K, Roth, TaxesSee omnystudio.com/listener for privacy information.

Tripp Limehouse discusses essential strategies for successful retirement planning, emphasizing the importance of working with a fiduciary, consolidating retirement accounts, maximizing contributions through catch-up strategies, and building a balanced investment mix. The discussion highlights how these strategies can lead to a more secure and enjoyable retirement experience, as evidenced by the 72% of retirees who report that their retirement is going better than expected. The conversation also covers the necessity of estate planning and addresses listener questions regarding retirement strategies. Visit Limehouse Financial to learn more. Call 800-940-6979See omnystudio.com/listener for privacy information.

How Much Do You Need To Invest To Retire Early?**Schedule your free virtual consultation, click here: https://pearlwealthgroup.com/contact/ or use our calendar link: https://calendly.com/pearlwealthgroup/discoverycall ****Buy My Book: Can I Really Retire https://www.amazon.com/shop/drewblackstoncrc/list/2FDRXX3LFUXQ8?ref_=aipsflist **How much do you need to invest to retire early? In this retirement video, we break down the exact retirement numbers and retirement strategy you need to achieve early retirement—whether that means retiring at 60, 55, or even 50.❌ **Please make sure you talk with your CPA, Financial Advisor, Retirement Planner, or Investment Advisor Representative, before implementing any content from this channel. All videos are for informational and educational purposes only. None of the content, comments, responses, information, or any other item on this channel constitutes financial advice or recommendations. Please call Pearl Wealth Group at 813-807-5060 to go through your Retirement Income, Retirement Investments, or Retirement Plan in more detail.** ❌

What should you do when the asset allocation of your retirement portfolio drifts? Joe Anderson, CFP® and Big Al Clopine, CPA spitball on rebalancing for DJ in St. Louis, today on Your Money, Your Wealth® podcast number 530. Plus, Coach Dobber in Minnesota is curious about municipal bonds in a brokerage account, and Daniel in Stevensville, Michigan needs details on emergency funds. Also, can Tim the Enchanter do a Roth conversion and avoid the nasty big pointy teeth of capital gains tax? And, Duke in upstate New York told his wife they need 6 million dollars in retirement, and she said he was silly. What say Joe and Al? We'll find out. Free financial resources & episode transcript: https://bit.ly/ymyw-530 ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:47 - Rebalancing Asset Allocation of US Stocks, International Stocks, and Bonds (DJ in St Louis) 07:21 - Can I Do a Roth Conversion and Have No Cap Gains Tax? (Tim the Enchanter, FL) 15:44 - Watch Financial Planning at Every Age on YMYW TV, Download the Retirement Readiness Guide for free 16:41 - Municipal Bonds in a Brokerage Account: Good Idea? (Coach Dobber, MN) 22:48 - Told My Wife We Need $6M to Retire in 20 Years. She Say's I'm Silly. (Duke, upstate NY) 27:09 - Calculate your Free Financial Blueprint, Schedule your Free Financial Assessment 28:54 - What Is an Emergency Fund and How Much Should I Have in It? (Daniel, Stevensville, MI) 36:00 - YMYW Podcast Outro

John in Boston is in the 32% tax bracket. Should he do Roth conversions? Flight Deck Dad and Irish Girl in Pensacola have a lot of tax-free pension income. Should they do Roth conversions? Bert and Ernie in New Jersey wonder if they should convert to Roth or take advantage of zero percent capital gains tax rates. Joe Anderson, CFP® and Big Al Clopine, CPA spitball for all of them today on Your Money, Your Wealth® podcast number 529. Plus, Michael and his wife in Bellevue are 34, in the 24% tax bracket and wonder if they should contribute to tax-free or tax-deferred accounts, and if they should slow down on retirement savings and start a bridging account for the years between when they want to punch the clock in their early to mid-50s, and when they can access their retirement savings. Then, for something completely different, Frenchie from Maine writes back in: What are the disadvantages to paying off her mortgage ASAP, and what's the tax efficiency of a money market compared to bond funds? Free financial resources & episode transcript: https://bit.ly/ymyw-529 WATCH How to Break Through Retirement Barriers on YMYW TV CALCULATE your Free Financial Blueprint SCHEDULE your Free Financial Assessment ASK Joe & Big Al for your Retirement Spitball Analysis SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 01:00 - We're in the 32% Tax Bracket. Should We Do Roth Conversions? (John, Boston, MA) 06:19 - We Have Large Tax-Free Pension Income. Should We Do Roth Conversions? (Flight Deck Dad & Irish Girl, Pensacola, FL) 16:03 - Watch How to Break Through Retirement Barriers on YMYW TV, Calculate your free Financial Blueprint 16:52 - Should We Do Roth Conversions or Take Advantage of 0% Capital Gains Tax? (Bert & Ernie, NJ) 25:53 - In the 24% Bracket. Should We Contribute to Tax-Free or Tax Deferred Accounts? (Michael, Bellevue, WA) 29:49 - Schedule a Free Financial Assessment at any of Pure Financial Advisors' 12 nationwide locations or online 31:04 - Disadvantages to Paying Off the Mortgage ASAP? Tax Efficiency of Money Market vs. Bond Funds? (Frenchie, ME) 36:23 - Outro: Next Week on the YMYW Podcast

In this episode of Success In The New Retirement, Damon Roberts and Matt Deaton discuss the evolving landscape of retirement income planning. They explore the implications of the 4% rule, the challenges retirees face in managing withdrawals, and the importance of understanding fees associated with retirement accounts. The conversation emphasizes the need for creative strategies to ensure sustainable income while navigating the complexities of financial planning in today's economy. 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.

Today, I'm thrilled to welcome David Blanchett back to the podcast. David is the Managing Director and Head of Retirement Research at PGIM DC Solutions and one of the most respected voices in retirement income planning today. You've likely come across his work in Morningstar, Kiplinger, and our Weekend Reading series—and for good reason. His research has earned accolades from nearly every major financial planning organization. In our conversation, we picked up where we left off back in Episode 55 with David's groundbreaking research on retirement spending patterns and adapting it to today's environment of elevated interest rates and persistent inflation. From challenging the idea of a "retirement crisis" that is making headlines everywhere to rethinking the 4% retirement income rule, David helps us distill the data and build income strategies grounded in behavioral and financial realities. In our conversation, we discuss the value and confidence that guaranteed lifetime income annuities provide retirees and how inflation concerns are impacting spending patterns. If you're planning your retirement or considering an adjustment to your current plan, this episode is packed with insights to help you spend your hard-earned dollars with confidence and design a secure and fulfilling retirement. In this podcast interview, you'll learn: Why “retirement crisis” is an overused headline—and why “challenge” is the better word. What David's research reveals about how real retirees spend—and why most don't adjust spending for inflation as expected. Why a 5% withdrawal rate may be more appropriate than 4% in today's interest rate environment. The behavioral power of guaranteed income—and how it gives retirees the freedom to actually enjoy their savings. How to build inflation hedges into your portfolio using tools like TIPS, annuities, and real assets. Show Notes: RetireWithPurpose.com/499

In this episode, Ryan Burklo and Alex Collins discuss effective retirement planning strategies that ensure individuals are not solely dependent on market performance for their retirement income. They emphasize the importance of liquidity, market risks, and the need for a diversified approach to asset allocation. The conversation highlights various withdrawal strategies and the impact of market volatility on retirement savings, ultimately advocating for a balanced approach that mitigates risks while maximizing financial security. Check out our website:  beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo TAKEAWAYS Rate of return should not dictate retirement timing. Market performance becomes salient when it hits you. Understanding liquidity is crucial for retirement planning. Market volatility can significantly impact retirement income. Having a liquid fund can protect against market downturns. Diversifying asset allocation is key to financial security. It's important to have a strategy for withdrawals during retirement. Clients often prefer less risk for more certainty in retirement. Comparative analysis of different retirement scenarios is essential. Effective planning can lead to increased cash flow and reduced taxation. Chapters 00:00 Introduction to Retirement Planning Strategies 02:52 Understanding Market Risks and Retirement Withdrawals 06:08 The Importance of Liquidity in Retirement 09:00 Strategies for Managing Market Volatility 12:03 Comparative Analysis of Retirement Scenarios 14:57 Trade-offs in Risk and Return 18:01 Conclusion and Call to Action

You've been jamming money into your retirement accounts for years now. When is it okay to slow down? Joe Anderson, CFP®® and Big Al Clopine, CPA spitball for Ron and Veronica in Indiana today on Your Money, Your Wealth® podcast 528. Plus, how can Scott in Illinois bridge the gap from age 55 to retirement income at 57? How should Big Juan in Texas pay for college? Should he convert his TSP to Roth? Can he retire at 55 And finally, Frank and Jane Drebin in Wisconsin are 46 and 47 and wondering if their plan for retirement in 5 years is just a pipe dream. Free financial resources & episode transcript: https://bit.ly/ymyw-528 DOWNLOAD The Retirement Readiness Guide for free WATCH What Happens to Your 401(k) & IRA at Retirement? On YMYW TV CALCULATE your free Financial Blueprint ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 01:13 - Can I Take My Foot Off the Gas on Saving for Retirement? (Ron and Veronica, IN) 09:48 - Watch What Happens to Your 401(k) & IRA at Retirement? On YMYW TV and Download The Retirement Readiness Guide 10:43 - How to Bridge the Gap from Age 55 to Retirement Income at 57? (Scott, IL) 20:04 - How to Fund College? TSP to Roth Conversions? Retirement at 55? (Big Juan, TX) 24:45 - Calculate Your Free Financial Blueprint 25:45 - We're 46 and 47, Is Our Retirement Plan a Pipe Dream? (Frank and Jane Drebin, WI) 32:26 - Next Week on the YMYW Podcast

What are the pros and cons if Chip uses the money in his taxable brokerage account for early retirement income? Jack and Sally ask Joe and Big Al to spitball on whether they can retire around age 55 or 60, and whether they should max out their Roth or convert to Roth, today on Your Money, Your Wealth® podcast 527 with Joe Anderson, CFP®, and Big Al Clopine, CPA. Plus, April and Andy ask the fellas to spitball on their dividend investing strategy, and Don wonders if a separately managed account (SMA) makes sense for his taxable account. (We'll also find out what an SMA is.) Free financial resources & episode transcript: https://bit.ly/ymyw-527 CALCULATE your free Financial Blueprint DOWNLOAD The Withdrawal Strategy Guide for free DOWNLOAD 10 Steps to Improve Investing Success for free WATCH Your 11-Step Path to Financial Freedom on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:52 - Pros and Cons of Using a Taxable Brokerage Account for Early Retirement Income? (Chip Skylark, Dimsdale) 13:24 - Watch Your 11-Step Path to Financial Freedom on YMYW TV, Calculate Your Free Financial Blueprint 14:27 - Is My Dividend Investing Strategy Missing Anything? (Andy & April, Knoxville, TN) 25:02 - Can I Retire Between Ages 55-60? Should I Max Out Roth Contributions, or Convert to Roth? (Jack & Sally, NC) 31:18 - Download the Withdrawal Strategy Guide and 10 Steps to Improve Investing Success for Free 32:03 - Does a Separately Managed Account (SMA) Make Sense for My Taxable Account? (Don, IA) 40:46 - Next Week on the YMYW Podcast