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We wrap up our retirement mini-series with a powerful question: “How would YOU, Mike, invest $1 million at retirement?” We'll also explore how he'd plan for his spouse—who has an entirely different investing mindset—and how to make sure your heirs aren't left guessing. This episode is about more than investing. It's about peace of mind. Make sure to check out the complete show notes. Save Your Spot for our Webinar X: @TheDividendGuy FB: http://bit.ly/2Z7Q5gF YouTube: http://bit.ly/2Zs6r1r DividendStocksRock.com
#73: Welcome back to the Lenders playbook Podcast Episode... 73! Today we have Ryan Hughes and Ryan is on a mission to empower self-directed retirement investors to take control of their financial future. At NRL, he leads a team that delivers innovative, IRS-compliant non-recourse lending solutions, helping clients diversify into real estate, startups, and other high-potential opportunities — all while protecting their retirement accounts. Ryan is he's opening doors to a whole new world of retirement investing. Whether you're an investor hungry for growth or a partner ready to collaborate, this episode is packed with insights you don't want to miss. Tune in now and get inspired to unlock the full potential of your retirement funds!Lets go
In today's episode, I'm sharing a time-tested strategy that can boost your confidence when it comes to withdrawing money in retirement—the barbell strategy. Also known as the two-bucket approach, this method is designed to help you navigate market volatility while staying focused on long-term growth. I'll walk you through the who, what, when, where, why, and how of the barbell strategy—so by the end of this episode, you'll have a clear understanding of how it works and whether it's a fit for your retirement plan. Put simply, this strategy involves holding some of your retirement assets in low-risk, easily accessible accounts, while the rest remains invested for long-term growth. The goal isn't to predict the market—because no one can—but rather to create a structure that allows you to respond calmly and strategically, no matter what the market is doing.
Amy Arnott, Morningstar Inc. portfolio strategist, discusses which investments have performed best and worst in past recessions. Gold prices are rising during the current market volatility. Arnott explains why it might not be the best time to buy the precious metal. Key Takeaways:Why Current Market Volatility May Not Be Ending SoonHow to Keep Yourself Steady During Market VolatilityHow Investors Nearing Retirement Can Avoid Sequence-of-Return Risk During Market VolatilityHow Retirees Can Mitigate Market Volatility Using the Bucket ApproachWhich Asset Classes Have Performed Best and Worst During a Recession? What Investors Should Keep in Mind Before Going for Buying GoldWhy It's Better to Own Large Companies During an Economic SlowdownWhy Consumer Defensive Stocks Have Been Resilient During Recessions What Sectors Have Been Hit the Hardest in Past Recessions?Create an Investment Plan and Stick to It During Market Volatility Read about topics from this episode. Best Investments to Own During a RecessionMorningstar's Take on Tariffs: Stock Impacts, Portfolio Tips, and MoreWhat We've Learned From 150 Years of Stock Market CrashesA Down-Market Survival Guide for Pre-RetireesA Down-Market Survival Guide for RetireesHow to Use Gold in Your PortfolioHow to Keep Your Cool in a Volatile MarketWhat Do Tariffs and Increased Recession Risk Mean for Banks?What Tariff Volatility Means for the Consumer Defensive SectorWhat Bucket Investors Should Do in Down MarketsIt Feels Different This Time—but It Probably Isn't What to watch from Morningstar. Market Volatility: What Lies Ahead in Trump's Trade WarMarket Volatility: What to Watch in Q2 After Big Swings in Q1Does it Pay to Copy Congress' Stock Trades?Can Healthcare Stocks Keep Outperforming the Market? Read what our team is writing:Amy ArnottIvanna Hampton Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/X: https://x.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/
Dominic Pappalardo, chief multi-asset strategist for Morningstar Investment Management, discusses the escalating US-China trade war, the 90-day tariff pause, and raised recession risk during this market volatility.Key Takeaways:What an Escalating Trade War Between the US and China Could MeanMacroeconomic Trends and Rising Deglobalization After Trump's Tariffs What Trump's 90-Day Pause on Tariffs Means for the Markets and Economy How Market Volatility Could Persist After a Tariff-Induced Stock Selloff and Rebound Why Fixed Income and Equities Are Responding Differently During Market Volatility Morningstar Forecasters Predict Higher Economic Risks in 2025Will the Fed Cut Interest Rates in May?How to Protect Your Retirement Portfolio During Market VolatilityWhat Investors Need to Have on Their Radar Read about topics from this episode. Tariffs and Emotions Shake Markets Now, But Discipline Wins Long-Term Morningstar's Take on Tariffs: Stock Impacts, Portfolio Tips, and More Even With Trump's Rollback, Tariffs Would Still Damage the US Economy Inflation Slows as Gas Prices Lead Decline in March CPIUS Stocks Surge After Trump Pauses Many New Tariffs Stocks Give Up Gains as Tariff Woes Persist What Do the New Trump Tariffs Mean for Fed Interest-Rate Cuts? How Market Volatility Affects Required Minimum DistributionsA Down-Market Survival Guide for Retirees What Now? An Investor's To-Do List for Chaotic Markets This Time, It Really Is the Tariffs This Is What Real Market Uncertainty Looks Like What to watch from Morningstar.Market Volatility: What to Watch in Q2 After Big Swings in Q1 Does It Pay to Copy Congress' Stock Trades?Can Healthcare Stocks Keep Outperforming the Market?Worried About a Market Sell-Off? These 10 Funds Reduce Portfolio Risk Read what our team is writing:Dominic PappalardoIvanna Hampton Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/X: https://x.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/
In this episode of The Valley Current®, host Jack Russo and CPA Steve Rabin dive into the tax challenges surrounding financial scams. With IRS staffing cuts, shifting audit risks, and the post-TCJA loss deduction rules, victims of scams may find themselves with fewer tax remedies—unless a business is involved. Jack and Steve unpack scenarios from wire fraud to crypto wallet losses, highlight key distinctions in personal vs. business tax treatment, and stress the need for sound professional advice. Tune in for a timely, sharp-witted discussion filled with real-world examples and tax-saving tips for a complex season. https://www.washingtonpost.com/business/2025/03/22/irs-tax-revenue-loss-federal-budget/ Jack Russo Managing Partner Jrusso@computerlaw.com www.computerlaw.com https://www.linkedin.com/in/jackrusso "Every Entrepreneur Imagines a Better World"®️
Investor Fuel Real Estate Investing Mastermind - Audio Version
In this conversation, Kaaren discusses the intricacies of self-directed IRAs, including their benefits, common mistakes, and alternative investment opportunities. She shares insights from her experience as the CEO of UDirect IRA Services, emphasizing the importance of saving for retirement and the impact of IRS regulations. Karin also highlights practical steps for securing financial futures and shares success stories of individuals who have effectively utilized self-directed IRAs. The discussion touches on community outreach and the importance of planning for retirement. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind: Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply Investor Machine Marketing Partnership: Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com Coaching with Mike Hambright: Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform! Register here: https://myinvestorinsurance.com/ New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club —--------------------
In this special episode, Nick and Cole put artificial intelligence to the test in a fun and insightful financial planning battle—CFP vs. ChatGPT! They tackle some of the most common retirement and estate planning questions, comparing Nick's expert advice to ChatGPT's AI-generated insights. Who gives the better answers? You decide! https://youtu.be/89elFdanuIU Topics Covered: ✔️ Have I Saved Enough for Retirement? Importance of budgeting and projecting income Social Security, pensions, annuities, and investment returns Using Monte Carlo simulations to stress-test retirement plans AI's reliance on rules of thumb like the 4% rule ✔️ How Do I Avoid Running Out of Money in Retirement? The power of adaptability in financial planning Running regular projections and reviewing income sources Emergency funds and cash reserves in retirement ✔️ Planning for Healthcare & Long-Term Care Costs Pre- and post-65 healthcare planning (Marketplace vs. Medicare) Estimating rising healthcare costs The role of HSAs (Health Savings Accounts) in retirement ✔️ How to Reduce Tax Exposure in Retirement Strategic Roth conversions and tax-efficient withdrawals Understanding Required Minimum Distributions (RMDs) State tax considerations and charitable giving strategies ✔️ How to Plan for Inflation in Retirement Investing in assets that outpace inflation (stocks, real estate, TIPS) The “retirement spending smile” and adjusting spending over time Diversification and balancing risk for long-term financial security Key Takeaways:
TIAA CEO Thasunda Brown Duckett speaks with Bloomberg's David Gura at the Bloomberg Invest Conference in New York City. Duckett discusses retirement, annuities, inflation, investing and more.See omnystudio.com/listener for privacy information.
Did President Trump just nuke the stock market with his tariffs. President Trump may have a hidden agenda? Joe Cantu, describes 6 factors to offset tariffs. #1 currency adjustments, #2. And talking about company supply chains, diversification. #3. As nations, we can negotiate with each other. Actually, lower tariffs. The amazing things that actually lowers inflation. When both parties remove their tariffs, it leads directly to lower prices and lower inflation. #4 subsidies to local industries could be provided. The United States could give tax breaks and money to local industries to alleviate the burden of tariffs #5. Alternate country shifts we may look to other countries to strengthen new trade relations, which could offset losses from tariffs. #6. Lowering Interest rates provide numerous benefits and may be one of President Trump's hidden weapons. After all, he was a real estate tycoon, and he absolutely loves low interest rates. 6th factor to offset tariffs, which is the most powerful. So, in conclusion, remember in President Trump's first term we had low gasoline prices. Were energy Independent. We had lower taxes; we had low inflation and low interest rates. Now, I believe these tariffs may be a method to his madness. Again, because there are several avenues to explore currency adjustments. Supply chain diversification negotiations with the US could lower tariffs and that leads directly to lower inflation. He could provide subsidies to lower the price of goods. For our products and services as a vendor, we can shift to other countries for our products. And finally, lowering interest rates has numerous advantages for businesses and inflation. So, you see, it is possible that its madness may lead to lower prices and inflation these tariffs. Are just one chapter, and President Trump's book. It's just being written. Let's see how it ends. And let's not panic.Podcast views and personal opinions are for educational and entertainment purposes only and does not constitute a recommendation. Investing has risk of loss and you should consult with your own advisors for any financial decisions. Cantu Tactical Wealth Management and Joe Cantu are a fiduciary firm and registered investment adviser in the States of California, Florida, Georgia and Texas providing pure independent advice and money management.https://youtu.be/UrYxlJ31r2I Youtube Link:
Steve Selengut is an Income Independence Coach and author who has spent his entire career building retirement income. Steve has also spent over 50 years as a private investment portfolio manager, including 44 years managing up to 300 different client portfolios at a time. He wrote the book titled “Retirement Money Secrets” to help more investors understand how the markets really work, and how to take advantage of their constant volatility. Steve explains how he developed a time tested and safe methodology for producing spendable income far in excess of the 4% generally needed by retirees. He shares how his own IRA portfolio at current (Nov 2023) prices generated nearly 12% in annual income. He also describes how his book, “Retirement Money Secrets” explains the six basic principles and understandings needed to safely steer investment portfolios into and through retirement without dipping into principle. His experience is hands-on, security selection management. No models or corporate entities telling me what to buy and sell. Steve was a DYI investor for hundreds of people, every day. I owned every security I ever bought for a client! He continues to help people to sustainable, growing, income level that will make market corrections, volatility, and interest rate raises a benefit rather than a problem. Steve also shares valuable nuggets of information including how managing a portfolio is like running a department store, the four great financial risk minimizers, how to generate more potential spending money year after year, and why a volatile market is not a bad thing. Download this information packed and upbeat episode to discover how you can create a portfolio that creates income focused retirement investing and earn passive income by following a few simple principles so you can start investing and stop worrying. Connect with Steve: https://theincomecoach.net/ https://www.linkedin.com/in/privateinvestmentmanagement/ https://www.facebook.com/steve.selengut
The Moose on The Loose helps Canadians to invest with more conviction so they can enjoy their retirement. Download the Rockstar list here: https://moosemarkets.com/rockstars Join the Retirement Loop waitlist here: https://dividendstocksrock.com/loop Why I prefer low yield vs high yield: https://moosemarkets.com/income
Understanding how your retirement income is taxed can help you avoid costly surprises and keep more of your hard-earned money. In this episode, Certified Retirement Counselor (CRC) Miguel Gonzalez breaks down tax strategies for 401(k)s, IRAs, Roth accounts, and Social Security.Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.Welcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com
This week, Miguel Gonzalez, CRC, shares practical steps to help protect your aging relatives' finances—organizing accounts, preventing scams, and setting up a Power of Attorney. Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.#RetirementPlanning #FinancialSecurity #AgingParents #ElderlyFinance #MoneyManagement #EstatePlanning #PowerOfAttorney #InvestmentTips #WealthManagement #ScamPrevention #IdentityTheft #Budgeting #FinancialFreedom #PersonalFinance #SmartInvesting #FinancialAdvisor #RetirementGoals #WealthProtection #MoneyTips #CortburgRetirementWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com
Should Nancy in Washington take out a 401(k) loan and invest it in her brokerage account to catch up on saving for her retirement? When Joe and Big Al talk about having a balanced portfolio of various asset classes like stocks and bonds, Brian in Naperville, Illinois wonders whether that asset allocation strategy takes into account the stabilizing effect of monthly Social Security payments? That's today on Your Money, Your Wealth® podcast 517 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, Joy and her brother are each inheriting $400,000. How should they each invest it for their very different financial situations? Mike in Colorado has a good guaranteed income stream, so what should he do with the money he's drawing from his taxable IRA every year - convert to Roth, put it in a brokerage account, go on a cruise? And finally, Skipper asks the fellas to spitball on whether he should do Roth conversions or take advantage of zero percent capital gains tax rates. Access free financial resources and the episode transcript: https://bit.ly/ymyw-517 DOWNLOAD the free Retirement Income Strategies Guide REGISTER for the free Risk Management and Retirement Planning webinar, Wednesday, February 26, 12pm Pacific / 3pm Eastern WATCH Retirement Rebound: 5 Plays to Help You Score a Comeback on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis CALCULATE your free Financial Blueprint 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
Miguel Gonzalez, a Certified Retirement Counselor with 20+ years of experience, shares practical tips to help you get back on track after overspending during the holidays. Learn how to tackle debt, rebuild savings, and prepare for a stress-free holiday season next year.Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.#CortburgRetirementAdvisors #FinancialWellness #RetirementPlanning #PostHolidayRecovery #DebtManagement #SavingsChallenge #PayOffDebt #FinancialGoals #SmartSpending #SaveMoneyTips #MoneyMatters #DebtFreeJourney #PlanAhead #SmartFinance #MoneyManagement #HolidaySpending #BudgetingTips #SavingsGoals #RetirementCounselor #WealthManagement #FinancialFreedomWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com
Discover everything you need to know about 529 plans—how they help fund education, provide tax benefits, and act as a wealth transfer tool. Join Miguel Gonzalez, CRC, for insights that can impact your family's future.Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.#529Plans #CollegeSavings #TaxFreeSavings #FinancialPlanning #RetirementPlanning #EducationSavings #WealthTransfer #TaxBenefits #ParentingFinance #GrandparentGifting #RothIRA #InvestmentPlanning #AffluentFamilies #SavingsStrategy #EducationFunding #TaxAdvantagedAccounts #FuturePlanning #MoneyManagement #FamilyWealth #CortburgAdvisorsWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com
In todays podcast I am going to examine how the S&P500 historically has performed after back to back years of 20% plus gains. We are going to look at an interesting recent story about retirement, wealth and contentment. I am going to share a couple of good financial habbits for you to consider as you kick off the new year. I want to share with you a few milestones we accomplished this year and I will give you the top episode downloads for Sound Retirment Radio for 2024. And finally I want to share with you what my crystal ball is showing regarding investing as we kick off 2025. To find links and resources mentioned in today's podcast, visit SoundRetirementPlanning.com and click on episode #445.. The Retirement Budget Calculator is an intuitive tool that promises ease and accuracy. However, like any tool, user error could potentially lead to costly mistakes. To avoid this, let the experienced advisors at Parker Financial LLC guide you. When you hire our team, we offer a comprehensive review of your current investments, taxes, and the data in the Retirement Budget Calculator. We will ensure your plan's completeness and accuracy, helping you create an investment strategy, assist with tax planning, and monitor your plan to maximize your retirement benefits. At Parker Financial we offer a well-crafted retirement investment strategy, deeply rooted in academic data and financial science which can be the key to a prosperous retirement. Don't leave your future to chance. Take the first step towards a sound retirement. Schedule your complimentary discovery session now by visiting Parker-Financial.net let us help you make the most of your retirement years.
Happy Holidays! Please enjoy this Best Of episode. Clark returns January 3rd. How do we determine our “magic number” - the amount we need to retire? Clark weighs in on the debate about how much it takes to be financially secure, and how to start and keep making progress. Also today -private placements, hedge funds, limited partnerships, private equity - beware of this type of non-traditional investment “opportunity”. Even when they're legit, there's no liquidity, and extremely high expenses. It pays to know why you need to avoid investing with anyone who is not a fiduciary. How Much Do You Need To Retire: Segment 1 Ask Clark: Segment 2 Risky Investment Pitches: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How Much Do You Need To Retire? How to Start Investing: 10 Steps (Clark.com) How To Save Money: Spend Less & Build Your Savings Warning: Here's What Those Debt Settlement Companies Don't Tell You Clark Howard's 2024 Credit Card Debt Elimination Strategy 6 Things To Know Before Contacting the National Foundation for Credit Counseling Best 529 College Savings Plans By State How To Open a Roth IRA The AJC: Atlanta hedge fund manager charged in $10M fraud scheme Best Financial Advisors in 2024 Should You Make Your Child an Authorized User on Your Credit Card? Best Credit Cards for Students: Top Picks for 2024 Travel Archives - Clark Howard 4 Ways To Get Your Free Credit Score Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
In today's podcast, I'll be discussing retirement investing and the importance of broad global diversification. I'll explain the reasoning behind our approach and share a few of the strategies we use to help minimize risks. Some of the core ideas I want to share with you are recency bias, home country bias, the concentration of the S&P 500, why price matters, global market capitilazation and Vanguard forecast for the next 10 years. To find links and resources mentioned in today's podcast, visit SoundRetirementPlanning.com and click on episode #443.. The Retirement Budget Calculator is an intuitive tool that promises ease and accuracy. However, like any tool, user error could potentially lead to costly mistakes. To avoid this, let the experienced advisors at Parker Financial LLC guide you. When you hire our team, we offer a comprehensive review of your current investments, taxes, and the data in the Retirement Budget Calculator. We will ensure your plan's completeness and accuracy, helping you create an investment strategy, assist with tax planning, and monitor your plan to maximize your retirement benefits. At Parker Financial we offer a well-crafted retirement investment strategy, deeply rooted in academic data and financial science which can be the key to a prosperous retirement. Don't leave your future to chance. Take the first step towards a sound retirement. Schedule your complimentary discovery session now by visiting Parker-Financial.net let us help you make the most of your retirement years.
Learn everything you need to know about investing in precious metals for retirement with Gold and Altcoin IRA Review beginner guide! Read the full guide here: https://altcoinirareview.com/how-to-start-a-self-directed-gold-roth-ira-steps-to-invest-online-in-a-gold-ira/ Gold and Altcoin IRA Review City: Cushing Address: 2340 East Main Street Website: https://altcoinirareview.com/
Christine Benz, Morningstar's director of personal finance and retirement planning, interviews financial experts about different aspects of retirement in ‘How to Retire,' the companion podcast to her book of the same name. In this episode, Christine talks with author and researcher Howard Gleckman about long-term care. How Long-Term Care Differs from Conventional HealthcareWhy Americans Need More Long-Term Care Than Ever BeforeLong-Term Care Isn't Just in Nursing HomesDoes Medicare Cover Long-Term Care Costs?Who Should Consider Long-Term Care Insurance?The Financial Implications of Continuing Care Retirement CommunitiesHoward Gleckman's Experience with Long-Term Care Key Takeaways Hi, I'm Christine Benz from Morningstar and welcome to the How to Retire podcast. It's a companion to my book, which is also called How to Retire. Each episode will provide a bite-sized lesson about how to do some aspect of retirement well.If you read my work regularly, you know that I'm a little bit obsessed with the topic of long-term care, not just how to pay for it, but also all of the other dimensions of it, like the impact on families. To help discuss that topic, I reached out to Howard Gleckman. He is the author of a book called Caring for Our Parents, and he is also a Senior Fellow at the Urban Institute, where he is affiliated with the Tax Policy Center and the Program on Retirement Policy. He also writes a great blog for Forbes. I asked him to discuss the basics of long-term care, as well as the financial ramifications and implications for caregivers. More from Howard GleckmanBioForbes ColumnUrban InstituteTaxVox blogCaring For Our Parents, by Howard GleckmanHoward Gleckman on The Long View: ‘We Pretend This Isn't a Problem' Read more from Christine Benz.How to Retire: Tips for Entering RetirementThe Hidden Crisis in Long-Term CareHow Likely Are You to Need Long-Term Care?6 Steps for Smart Long-Term-Care PlanningWorried About Long-Term Care Expenses? Let's Do Something About It. Watch more from How to Retire.How to Retire: Prioritize Tax Planning in RetirementHow to Retire: Transition from Saving to SpendingHow to Retire: Consider a Retirement Bucket Portfolio StrategyHow to Retire: Know What ‘Enough' Means in RetirementHow to Retire: Understand the Role of Working LongerHow to Retire: Stay Flexible with Your Retirement Spending Read what our team is writing:Christine Benz Follow Christine Benz on social media.X: https://x.com/christine_benzLinkedIn: https://www.linkedin.com/in/christine-benz-b83b523
Christine Benz, Morningstar's director of personal finance and retirement planning, interviews financial experts about different aspects of retirement in ‘How to Retire,' the companion podcast to her book of the same name. In this episode, Christine talks with financial planning expert Jeff Levine about the importance of tax planning in retirement.Why Tax Planning is Key When Withdrawing from Your Retirement PortfolioWill Your Taxes Decrease in Retirement?Key Tax Strategies for Retirees Before They Have to Take RMDsDo Rules of Thumb for Retirement Spending Make Sense?How to Lower Your RMD Tax BillsHow Qualified Charitable Distributions Can Help Lower Your Tax BillKey Takeaways Hi, I'm Christine Benz from Morningstar and welcome to the How to Retire podcast. It's a companion to my book, which is also called How to Retire. Each episode will provide a bite-sized lesson about how to do some aspect of your retirement well.Today's episode will focus on the tricky topic of tax planning during retirement. To tackle this topic, I reached out to Jeff Levine, who is Lead Financial Planning Nerd at Kitces.com, and also serves as Chief Planning Officer at Buckingham Wealth Partners. Jeff is exceptionally good at explaining complex tax matters, so I knew that he would do a great job of delving into this topic.More from Jeff LevineBioKitces.comBuckingham Wealth PartnersJeff Levine on The Long View: Smart Tax Moves for 2023 and Beyond Read more from Christine Benz.How to Retire: Tips for Entering RetirementThe Big Retirement MythCan You Control Required Minimum Distributions?8 Little-Known Facts About RMDsAn Investing Road Map for Retirees Read about topics from this episode. 4 RMD Mistakes to AvoidHow Retirees Can Avoid the ‘Tax Torpedo' Watch more from How to Retire.How to Retire: Transition from Saving to SpendingHow to Retire: Consider a Retirement Bucket Portfolio StrategyHow to Retire: Know What ‘Enough' Means in RetirementHow to Retire: Understand the Role of Working LongerHow to Retire: Stay Flexible with Your Retirement Spending Read what our team is writing:Christine Benz Follow Christine Benz on social media.X: https://x.com/christine_benzLinkedIn: https://www.linkedin.com/in/christine-benz-b83b523
Jesse opens the show by sharing a personal anecdote about a former teacher's challenging investment choices, which were burdened with high fees from their financial advisor. He emphasizes the predatory nature of the financial advice teachers receive, encouraging teachers to seek better investment options from reputable firms like Vanguard and Fidelity. Finally, Jesse underscores the importance of being informed against the systemic issues in the retirement planning landscape for educators. Dan Otter joins for the second half of the show. Dan is the co-founder of 403(b)Wise, which aims to make information about the 403(b) readily available to educators. Together, Dan and Jesse delve into the complexities and challenges of 403(b) retirement plans for public school teachers. They address the absence of Federal fiduciary protections, the prevalence of predatory financial options, and the stark differences between high-cost and low-cost providers. This episode features valuable resources, including Otter's book Teach and Retire Rich and the 403(b)wise website, offering practical advice on avoiding high fees and poor investment choices. Whether or not you are a teacher, you'll find this episode full of valuable education. And, be sure to share this with friends and family members who are teachers. Key Takeaways: • Be on the lookout for financial predators who'll lure you into high fee accounts. • The 403(b) is a great tool for your retirement. • There's a lack of federal fiduciary protections which allows for school teachers to be taken advantage of. • How 403(b)wise is helping educate teachers on their best financial options. • What to do if you've already invested your money in a high fee account. • How sales agents are incentivized to harm teachers. Key Timestamps: (02:17) Jesse's Monologue: Teachers Are Getting Taken Advantage Of (03:51) Advice for Teachers (09:24) Introducing Dan Otter and 403(b)wise (11:51) The Problem with 403(b) Vendors (18:03) Annuities in 403(b) Plans (24:12) Wise Consumer Tips for Financial Products (25:28) Understanding Fixed Income and Annuities for Teachers (27:46) The Ethical Dilemma of Financial Advisors (31:48) Advocacy and Resources for Teachers (37:11) Navigating 403b and 457(b) Plans (42:47) Conclusion and Final Thoughts Key Topics Discussed: The Best Interest, Jesse Cramer, Rochester New York, financial planner, financial advisor, wealth management, retirement planning, tax planning, personal finance, teachers, teacher finances, 403(b), 403b, 457(b), 403(b)wise Mentions:Website: https://403bwise.org/ LinkedIn: https://www.linkedin.com/in/daniel-otter-ph-d-0380a61/ Mentions: Teach and Retire Rich: https://amzn.to/4dQloRi Ten Rules for Retirement Investing: https://www.youtube.com/watch?v=_ewjha6cu1M https://www.nytimes.com/2016/10/23/your-money/403-b-retirement-plans-fees-teachers.html https://www.nytimes.com/2018/03/16/your-money/403b-annuities.html More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog The Best Interest Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.
Failing to diversify your portfolio and overlooking the effects of inflation are two of the nine common investing blunders. Today's Stocks & Topics: MOS - Mosaic Co., Market Wrap, GIB.A - CGI Inc. Cl A, VBR - Vanguard Small-Cap Value ETF, 9 Costly Retirement Investing Mistakes to Avoid, KPP Newsletter, AMZN - Amazon.com Inc., Key Benchmark Number: Treasury Yields, Gold, Silver, Oil and Gasoline, Annuities, Global Inflation, SNOXX - Schwab Treasury Obligations Money Inv., XOM - Exxon Mobil Corp., TXG - 10x Genomics Inc., Soft Landing, ILPT - Industrial Logistics Properties Trust, A-I Chips.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
Christine Benz, Morningstar's director of personal finance and retirement planning, interviews financial experts about different aspects of retirement in ‘How to Retire,' the companion podcast to her book of the same name. In this episode, Christine sits down with Washington Post personal finance columnist and author Michelle Singletary. They talk about the difficult psychological transition from saving to spending in retirement.Transitioning from Saving to Spending in RetirementHow to Plan for Retirement When Your Spouse Doesn't Retire at the Same TimeAre Annuities Helpful for In-Retirement Cash Needs?Delaying Social Security in RetirementHow Couples Can Approach Different Money Mindsets in RetirementKey Takeaways Hi, I'm Christine Benz from Morningstar and welcome to the How to Retire podcast. It's a companion to my book, which is also called How to Retire. Each episode will provide a bite-sized lesson about how to do some aspect of retirement well.One of my favorite personal finance journalists is author and Washington Post columnist, Michelle Singletary. Happy to say that I've gotten to know Michelle a bit through our regular conversations. In her work and presentations, she frequently discusses her thriftiness. So, I wanted to discuss with Michelle an issue that I've observed through talking to a lot of retirees, that if they've been good savers like Michelle, it's difficult to flip the switch into spending. I asked her to discuss that transition in her own household. More from Michelle SingletaryBioThe Color of MoneySpend Well, Live RichWhat To Do With Your Money When Crisis Hits: A Survival Guide, by Michelle SingletaryMichelle Singletary on The Long View: 'You Need Diversity' Read more from Christine Benz.How to Retire: Tips for Entering Retirement3 Tricky Decisions for Every Retirement PlanWe Need to Talk About Your Retirement ‘Spending'Social Security Planning Tips for Married CouplesHow to Determine Your Expected Retirement Date Read about topics from this episode. The Psychology of Retirement Income: From Saving to SpendingHow Retirees Can Avoid the ‘Tax Torpedo' Watch more from How to Retire.How to Retire: Consider a Retirement Bucket Portfolio StrategyHow to Retire: Know What ‘Enough' Means in RetirementHow to Retire: Understand the Role of Working LongerHow to Retire: Stay Flexible with Your Retirement Spending Read what our team is writing:Christine Benz Follow Christine Benz on social media.X: https://x.com/christine_benzLinkedIn: https://www.linkedin.com/in/christine-benz-b83b523
In this episode of the Best Ever CRE Show, Joe Cornwell interviews Bill Manassero, CEO of Promise Land Holdings LLC, who shares his journey from active to passive real estate investing. Bill discusses the unique advantages of starting real estate investing later in life, the challenges he faced as a passive investor, and the importance of diversifying investments. He also provides valuable advice for aspiring passive investors, emphasizing the need for thorough due diligence and caution in today's market. Bill highlights the current trends in real estate, including the demand for RV parks and senior living facilities, and encourages listeners to stay informed and patient in their investment decisions. Bill Manassero | Real Estate Background CEO, Promised Land Holdings LLC Based in: Riceville, TN Say hi to him at: www.olddawsreinetwork.com X.com Sponsors: Altra Running
In episode 26 of Wake Up to Wealth, Brandon Brittingham interviews Greg Herlean, Founder of Horizon Trust Company, to discuss leveraging retirement accounts to invest in real estate. Greg shares his personal journey of discovering this powerful investment strategy and explains how anyone with a retirement account can take advantage of self-directed investing.Tune in to learn more about this powerful wealth-building strategy!TIMESTAMPS[00:01:11] Leveraging retirement accounts for real estate.[00:03:44] Self-directed retirement investing.[00:09:30] Self-directed IRA investments.[00:11:15] The importance of financial education.[00:15:58] Waking up to wealth.[00:17:55] Guest appreciation and thanks.QUOTES"I learned really quickly that I wanted to be the IRA investor lending. I wanted to be the guy that was lending me the money because he wasn't doing anything. He was passively collecting checks, not paying taxes." - Greg Herlean“I'm a true believer when it's your retirement money, you've spent maybe decades on saving that we want to answer all your questions. We're going to make it smooth. So we do a 15, 20 minute phone call. That's it. Get your application filled out over the phone. Then it's emailed to you, so you get to review everything that you filled out.” - Greg Herlean“The amount of money that's there to do different deals and the amount of opportunities is limitless.” - Greg HerleanSOCIAL MEDIA LINKSBrandon BrittinghamInstagram: https://www.instagram.com/mailboxmoneyb/Facebook: https://www.facebook.com/brandon.brittingham.1/LinkedIn: https://www.linkedin.com/in/brittingham/Greg HerleanInstagram: https://www.instagram.com/gregherlean/Facebook: https://www.facebook.com/gregherleanpublic/LinkedIn: https://www.linkedin.com/in/gregherlean/WEBSITEBrandon Brittingham: https://www.brandonsbrain.org/homeGreg Herlean: https://www.gregherlean.com/
Secure Act ConcernsRules for Traditional and Roth IRAs and Changes for Inherited IRAsWill Beneficiaries Need to Withdraw RMDs Every Year?Do People Who Inherit IRAs Still Need to Follow the 10-Year Rule?Why Congress Wants Inherited IRA Heirs to Follow the 10-Year RuleWhat Is Required of Non-Spouse Beneficiaries When Someone Passes After Starting RMDs?What Happens if the Original Account Owner Dies Before Taking Required Minimum Distributions?Can Non-Spouse Beneficiaries of Inherited IRAs Do a Rollover?When Should People Born in 1959 Begin RMDs?What You Should Do if You Skipped RMDs Between 2020 and 2024Key Takeaway Read about topics from this episode. IRS Finalizes RMD Regulations: Key Takeaways and the 10-Year Rule for BeneficiariesHow to Avoid Unintended Distributions from Inherited IRAs and 401(k)s4 RMD Mistakes to AvoidIRS Extends Waiver of Excise Tax for Inherited IRAs, but Not RMDsInherited IRAs: What to Know About Taxes, RMDs, and More What to watch from Morningstar.How to Find the Best Health Savings AccountHow GLP-1 Drugs Like Ozempic Are Boosting Biopharma StocksIs the Fed's Plan to Avoid a Recession Working?Don't Overlook These Crucial Parts of Your Retirement Plan Denise Appleby, Morningstar contributor, explains the new inherited IRA rules including whether heirs need to take RMDs and follow the 10-year rule. Plus, what the next steps are if a beneficiary, who inherited an IRA since 2020, hasn't taken RMDs yet. Read what our team is writing:Denise ApplebyIvanna Hampton Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/X: https://x.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/
Christine Benz, Morningstar's director of personal finance and retirement planning, interviews financial experts about different aspects of retirement in ‘How to Retire,' the companion podcast to her book of the same name. In this episode, Christine sits down with wealth manager Harold Evensky, who inspired Christine's work in retirement portfolio bucketing.How the Bucket Approach to Retirement Planning Helps InvestorsHow the Bucket Approach Helped Keep Clients Steady During Market DownturnsBenefits of Limiting Cash in Retirement PortfoliosWhy Investors Should Avoid Too Many Retirement Buckets Why Prioritizing Goals is Most Important for Retirement PlanningThe Most Underrated Aspect of Retirement PlanningOverrated Discussions in Retirement PlanningHarold Evensky's Transition from Work to Retirement Key Takeaways Hi, I'm Christine Benz from Morningstar and welcome to the How to Retire podcast. It's a companion to my book, which is also called How to Retire. Each episode will provide a bite-sized lesson about how to do some aspect of retirement well.Many of you know that I frequently talk about the bucket approach to retirement portfolio construction. I was inspired to work on bucketing after talking to Harold Evensky nearly two decades ago, and I knew that I wanted to chat with Harold for this podcast. He is the founder of Evensky & Katz/ Foldes Wealth Management and a retired professor of practice of the Texas Tech University Personal Financial Planning Department. Harold and I talked about how he hit on the bucket strategy and used it with his clients. More from Harold EvenskyBioEvensky & Katz / Foldes Wealth ManagementBlogHello Harold: A Veteran Financial Advisor Shares Stories to Help Make You Be a Better Investor, by Harold EvenskyHarold Evensky on The Long View: 'It's an Unmitigated Disaster' Read more from Christine Benz.How to Retire: Tips for Entering RetirementDo You Need More Than 3 Buckets?The Bucket Investor's Guide to Setting Retirement Asset AllocationWhy Retirees and Investors Approaching Retirement Should Reduce Risk TodayTake This Simple Step As You Approach Retirement7 Key Tasks for Investors Approaching Retirement Read about topics from this episode. Panicking About Market Volatility? Don't Lose Money Chasing the Crowd Watch more from How to Retire.How to Retire: Know What ‘Enough' Means in RetirementHow to Retire: Understand the Role of Working LongerHow to Retire: Stay Flexible with Your Retirement Spending Read what our team is writing:Christine Benz Follow Christine Benz on social media.X: https://x.com/christine_benzLinkedIn: https://www.linkedin.com/in/christine-benz-b83b523
Christine Benz, Morningstar's director of personal finance and retirement planning, interviews financial experts about different aspects of retirement in ‘How to Retire,' the companion podcast to her book of the same name. In this episode, Christine sits down with personal finance expert Manisha Thakor to address the question of “What is enough?” when it comes to retirement.Do You Have Enough Financial Resources to Retire?How Retirement Spending Changes as We AgePlanning for Long-Term Care in Retirement Non-Financial Planning for RetirementHow to Establish a Sense of Identity Away From WorkHow to Take a Phased Approach to Retirement Key Takeaways Hi, I'm Christine Benz from Morningstar and welcome to the How to Retire podcast. It's a companion to my book, which is also called How to Retire. Each episode will provide a bite-sized lesson about how to do some aspect of retirement well.One big question that people often grapple with as they contemplate retirement is whether they'll have enough, financially and otherwise, in retirement. To help address that question, I sat down with author and personal finance expert, Manisha Thakor. She wrote a book called MoneyZen: The Secret to Finding Your "Enough". She is also the founder of MoneyZen, which is a financial education consultancy. More from Manisha ThakorBioMoneyZen.comMoneyZen: The Secret to Finding Your “Enough,” by Manisha ThakorManisha Thakor on The Long View: Finding Your Enough Read more from Christine Benz.How to Retire: Tips for Entering RetirementHow to Determine Your Expected Retirement DateA Retirement Readiness ChecklistHow Likely Are You to Need Long-Term Care?I'm Not Ready for Retirement (but I'm Not Waiting) Read about topics from this episode.Your Retirement Checklist Should Go Beyond Finances Watch more from How to Retire.How to Retire: Understand the Role of Working LongerHow to Retire: Stay Flexible with Your Retirement Spending Read what our team is writing:Christine Benz Follow Christine Benz on social media.X: https://x.com/christine_benzLinkedIn: https://www.linkedin.com/in/christine-benz-b83b523
Hello and welcome to the Q-T.A.L.K.S
Christine Benz, Morningstar's director of personal finance and retirement planning, interviews financial experts about different aspects of retirement in ‘How to Retire,' the companion podcast to her book of the same name. In this episode, Christine sits down with senior nerd at Kitces.com and assistant professor of finance Derek Tharp. They talk through how adjusting your spending throughout your retirement can enable you to spend more in the long run. How Actual Retiree Spending Deviates from Conventional Retirement ResearchWhy Early Retirees Can Spend More Than the 4% GuidelineHow to Adjust Your Retirement Spending Over TimeHow to Get Comfortable With Variability in RetirementHow to Transition from Saving to SpendingHow to Account for Long-Term Care in Your Retirement Spending PlanKey TakeawaysHi, I'm Christine Benz from Morningstar and welcome to the How to Retire podcast. It's a companion to my book, which is also called How to Retire. Each episode will provide a bite-sized lesson about how to do some aspect of retirement well. Today's episode will focus on how to make sure that the amount that you're spending from your portfolio is reasonable. To tackle this topic, I sat down with Derek Tharp, who is a Senior Research Nerd at Kitces.com and an Assistant Professor of Finance at the University of Southern Maine. I've loved Derek's work on how adjusting your spending in retirement can actually enable you to spend more over your lifetime. I feel like it's so practical and helpful, especially for people with tight financial plans heading into retirement.More from Derek TharpBioKitces.comPeer Reviewed ResearchDerek Tharp on The Long View: An Alternative Approach to Calculating In-Retirement Withdrawals Read more from Christine Benz.How to Retire: Tips for Entering RetirementShould Your Retirement Withdrawals Mirror RMDs?3 Tricky Decisions for Every Retirement Plan7 Steps to Estimating Your In-Retirement Cash Flow NeedsHow to Pay Yourself in RetirementHow Likely Are You to Need Long-Term Care? Read about topics from this episode.The Psychology of Retirement Income: From Saving to SpendingThe 4% Retirement Rule Is Just a Starting Point Watch more from How to Retire.How to Retire: Understand the Role of Working Longer Read what our team is writing:Christine Benz Follow Christine Benz on social media.X: https://x.com/christine_benzLinkedIn: https://www.linkedin.com/in/christine-benz-b83b523
Miguel Gonzalez, CRC breaks down the differences between pre-tax, Roth, and non-Roth after-tax contributions for employer-sponsored retirement plans. Learn how to choose the best option based on your financial goals and tax situation.About Cortburg Retirement Advisors, Inc.Cortburg Retirement Advisors is a full-service, boutique financial planning firm dedicated to guiding clients through both turbulent and calm economies. Our mission is to help you grow, protect, and preserve your assets from your first job through retirement. With comprehensive in-house capabilities, our experienced team assists with all financial needs, including wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning.About Miguel Gonzalez, MBA, AIF®, CPFA®, PPC®, CRC®Miguel Gonzalez is a Retirement Specialist with over 20 years of experience in retirement income planning, investment management, and retirement plan design.Former Financial Advisor at JP Morgan Chase Bank, Merrill Lynch, and ING Financial Advisors.Consultant for Barbara Corcoran Inc. and the World Bank.MBA from Columbia Business School.Life and Health insurance licenses, Series 7 and 66 registrations held through LPL Financial.Fluent in English, Spanish, and Russian.Certifications: Certified Retirement Counselor®, Certified Plan Fiduciary Advisor®, Accredited Investment Fiduciary®, Professional Plan Consultant®.#cortburgspeaksretirement #retirement #retirementplanning #retirementtips #retirementincome #retirementincomeplanning #retirementgoals #retirementinvesting #retirementadvice #retirementgoals #stockmarket #moneymanagement #wealthmanagement #financetips #financialadvice #financialfreedom #financialeducation #insurance #CortburgSpeaksRetirement #MiguelXGonzalez #retirementmyths, #retirementplanning, #financialtips, #MiguelGonzalez, #CortburgRetirementAdvisors, #retirementadvice, #retirementsuccess, #retirementreality, #financialwellness, #retirementsavings, #retirementhealth, #postretirementplanning, #retirementsimplifiedWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com
Brendan is the Head of Retirement Investing for Nuveen where he is responsible for the firm's DCIO efforts in the U.S. In this role, he leads strategy and distribution for Nuveen investment and TIAA lifetime income solutions in the 401(k), 403(b), and 457(b) marketplaces. He joined the organization in 2015.Brendan has more than two decades of retirement leadership experience in the financial services industry. A frequent speaker at industry conferences, he has been quoted in a number of publications such as the Financial Times, Investment News, and Plan Sponsor magazine, and was recently named #35 on the 2022 “401kWire 100 Most Influential People” list. Prior to joining TIAA, he was Chief Operating Officer of F-Squared Retirement Solutions, a subsidiary of F-Squared Investments. Previously, he was a Senior Vice President at Putnam Investments responsible for Defined Contribution Investment Only Business Development. In addition, he held other leadership roles at Putnam Investments including 401(k) product development, DCIO relationship management, and institutional trust services.Brendan graduated with a B.S. in Business Administration from St. Joseph's College and an M.B.A. from the Carroll School of Management at Boston College.In this episode, Eric and Brendan McCarthy discuss:Transforming retirement outcomesProviding guaranteed income Utilizing target date funds Acting on innovative solutions Key Takeaways:Plan sponsors/advisors can transform retirement outcomes for participants by offering retirement income solutions like annuities within 401(k) plans, providing guaranteed lifetime income. Annuities shift longevity risk from employees to insurance providers, ensuring participants don't run out of income in retirement.Employers can offer annuity options in 401(k) plans to provide pension-like guaranteed income without offering traditional pensions. Seek guidance from retirement plan consultants, product manufacturers, and record keepers when considering retirement income solutions. Industry trade groups offer certification programs to enhance advisors' knowledge of retirement income. Target date funds with embedded annuities gradually shift to guaranteed income as participants approach retirement.Record keepers face complexities in complying with legislation like SECURE 2.0 but are working to implement retirement income solutions. Young advisors should act now on innovative solutions to help employees build retirement savings.“Our belief is that simple, low cost, and portable will win that. For anything to be successful in a 401k plan today, it needs to be simple, low cost, and portable.” - Brendan McCarthyConnect with Brendan McCarthy:Website: https://www.nuveen.com/global/ LinkedIn: https://www.linkedin.com/in/brendan-mccarthy-4616ab8/ Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information contained herein is general in nature and is provided solely for educational and informational purposes.It is not intended to provide a specific recommendation for any type of product or service discussed in this presentation or to provide any warranties, financial advice, or legal advice.The specific facts and circumstances of all qualified plans can vary and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan-specific circumstances.
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2875: Nick Maggiulli explores whether maxing out your 401(k) contributions earlier in the year provides a significant financial advantage. While maxing early can offer a slight benefit due to market growth, the impact is modest unless done consistently over many years. The feasibility of this strategy depends on income level, and the importance of checking for employer matching provisions cannot be overstated. Read along with the original article(s) here: https://ofdollarsanddata.com/max-out-401k-early/ Quotes to ponder: "Maxing out your 401(k) earlier in the year can make a bigger difference if you do it for multiple years in a row." "If you are someone who needs every extra dollar you can get, then maxing early should help." "The benefit of doing so isn't worth the mental cost." Learn more about your ad choices. Visit megaphone.fm/adchoices
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2875: Nick Maggiulli explores whether maxing out your 401(k) contributions earlier in the year provides a significant financial advantage. While maxing early can offer a slight benefit due to market growth, the impact is modest unless done consistently over many years. The feasibility of this strategy depends on income level, and the importance of checking for employer matching provisions cannot be overstated. Read along with the original article(s) here: https://ofdollarsanddata.com/max-out-401k-early/ Quotes to ponder: "Maxing out your 401(k) earlier in the year can make a bigger difference if you do it for multiple years in a row." "If you are someone who needs every extra dollar you can get, then maxing early should help." "The benefit of doing so isn't worth the mental cost." Learn more about your ad choices. Visit megaphone.fm/adchoices
Christine Benz, Morningstar's director of personal finance and retirement planning, interviews financial experts about different aspects of retirement in ‘How to Retire,' the companion podcast to her book of the same name. In this episode, Christine sits down with Yahoo Finance columnist and author Kerry Hannon to talk through the benefits of meaningful work in retirement.Benefits of Working Past Traditional Retirement AgeWhat Does the Data Tell Us About People Who Work Longer?How to Make Working Longer a Part of Your Retirement PlanDealing With Age Discrimination in the WorkplaceHow You Can ‘Ask and Address' Your Needs in RetirementKey TakeawaysMore from Kerry HannonBioYahoo Finance ColumnIn Control at 50+: How to Succeed in the New World of WorkKerry Hannon on The Long View: Remote Work Trend Benefits Older Workers Read more from Christine Benz.I'm Not Ready for Retirement (but I'm Not Waiting)Lessons From Another ‘Faux-tirement'How to Determine Your Expected Retirement DateShould Working Longer Be a Part of Your Retirement Plan? Read what our team is writing:Christine Benz Follow Christine Benz on social media.X: https://x.com/christine_benzLinkedIn: https://www.linkedin.com/in/christine-benz-b83b523
Join Miguel Gonzalez, CRC, this week as he guides you through an easy annual checkup for your retirement plan. From optimizing contributions to reviewing investments, learn practical steps to keep your retirement strategy on track.About Cortburg Retirement Advisors, Inc.Cortburg Retirement Advisors is a full-service, boutique financial planning firm dedicated to guiding clients through both turbulent and calm economies. Our mission is to help you grow, protect, and preserve your assets from your first job through retirement. With comprehensive in-house capabilities, our experienced team assists with all financial needs, including wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning.About Miguel Gonzalez, MBA, AIF®, CPFA®, PPC®, CRC®Miguel Gonzalez is a Retirement Specialist with over 20 years of experience in retirement income planning, investment management, and retirement plan design.Former Financial Advisor at JP Morgan Chase Bank, Merrill Lynch, and ING Financial Advisors.Consultant for Barbara Corcoran Inc. and the World Bank.MBA from Columbia Business School.Life and Health insurance licenses, Series 7 and 66 registrations held through LPL Financial.Fluent in English, Spanish, and Russian.Certifications: Certified Retirement Counselor®, Certified Plan Fiduciary Advisor®, Accredited Investment Fiduciary®, Professional Plan Consultant®.#cortburgspeaksretirement #retirement #retirementplanning #retirementtips #retirementincome #retirementincomeplanning #retirementgoals #retirementinvesting #retirementadvice #retirementgoals #stockmarket #moneymanagement #wealthmanagement #financetips #financialadvice #financialfreedom #financialeducation #insurance #CortburgSpeaksRetirement #MiguelXGonzalez #retirementmyths, #retirementplanning, #financialtips, #MiguelGonzalez, #CortburgRetirementAdvisors, #retirementadvice, #retirementsuccess, #retirementreality, #financialwellness, #retirementsavings, #retirementhealth, #postretirementplanning, #retirementsimplifiedWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com
In this week's podcast, Certified Retirement Counselor Miguel Gonzalez challenges your retirement savings knowledge with a True or False test. Tune in to see how much you know!Cortburg Retirement Advisors is a full-service, boutique financial planning firm dedicated to guiding clients through both turbulent and calm economies. Our mission is to help you grow, protect, and preserve your assets from your first job through retirement. With comprehensive in-house capabilities, our experienced team assists with all financial needs, including wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning.About Miguel Gonzalez, MBA, AIF®, CPFA®, PPC®, CRC®Miguel Gonzalez is a Retirement Specialist with over 20 years of experience in retirement income planning, investment management, and retirement plan design.Former Financial Advisor at JP Morgan Chase Bank, Merrill Lynch, and ING Financial Advisors.Consultant for Barbara Corcoran Inc. and the World Bank.MBA from Columbia Business School.Life and Health insurance licenses, Series 7 and 66 registrations held through LPL Financial.Fluent in English, Spanish, and Russian.Certifications: Certified Retirement Counselor®, Certified Plan Fiduciary Advisor®, Accredited Investment Fiduciary®, Professional Plan Consultant®.Welcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com
This episode with Miguel Gonzalez, Certified Retirement Counselor, dives into setting achievable retirement savings goals. Learn how to break down daunting numbers, navigate changing assumptions, and make your future self a priority to stay on track for a secure retirement.About Cortburg Retirement Advisors, Inc.Cortburg Retirement Advisors is a full-service, boutique financial planning firm dedicated to guiding clients through both turbulent and calm economies. Our mission is to help you grow, protect, and preserve your assets from your first job through retirement. With comprehensive in-house capabilities, our experienced team assists with all financial needs, including wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning.About Miguel Gonzalez, MBA, AIF®, CPFA®, PPC®, CRC®Miguel Gonzalez is a Retirement Specialist with over 20 years of experience in retirement income planning, investment management, and retirement plan design.Former Financial Advisor at JP Morgan Chase Bank, Merrill Lynch, and ING Financial Advisors.Consultant for Barbara Corcoran Inc. and the World Bank.MBA from Columbia Business School.Life and Health insurance licenses, Series 7 and 66 registrations held through LPL Financial.Fluent in English, Spanish, and Russian.Certifications: Certified Retirement Counselor®, Certified Plan Fiduciary Advisor®, Accredited Investment Fiduciary®, Professional Plan Consultant®.#cortburgspeaksretirement #retirement #retirementplanning #retirementtips #retirementincome #retirementincomeplanning #retirementgoals #retirementinvesting #retirementadvice #retirementgoals #stockmarket #moneymanagement #wealthmanagement #financetips #financialadvice #financialfreedom #financialeducation #insurance #CortburgSpeaksRetirement #MiguelXGonzalez #retirementmyths, #retirementplanning, #financialtips, #MiguelGonzalez, #CortburgRetirementAdvisors, #retirementadvice, #retirementsuccess, #retirementreality, #financialwellness, #retirementsavings, #retirementhealth, #postretirementplanning, #retirementsimplifiedWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com
⭐ Join the Rich Habits Network! Click Here! --- In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! ---
Join Miguel Gonzalez, a Certified Retirement Counselor with over 20 years of experience, as he guides you through essential strategies to ensure a smooth and confident transition into retirement.About Cortburg Retirement Advisors, Inc.Cortburg Retirement Advisors is a full-service, boutique financial planning firm dedicated to guiding clients through both turbulent and calm economies. Our mission is to help you grow, protect, and preserve your assets from your first job through retirement. With comprehensive in-house capabilities, our experienced team assists with all financial needs, including wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning.About Miguel Gonzalez, MBA, AIF®, CPFA®, PPC®, CRC®Miguel Gonzalez is a Retirement Specialist with over 20 years of experience in retirement income planning, investment management, and retirement plan design.Former Financial Advisor at JP Morgan Chase Bank, Merrill Lynch, and ING Financial Advisors.Consultant for Barbara Corcoran Inc. and the World Bank.MBA from Columbia Business School.Life and Health insurance licenses, Series 7 and 66 registrations held through LPL Financial.Fluent in English, Spanish, and Russian.Certifications: Certified Retirement Counselor®, Certified Plan Fiduciary Advisor®, Accredited Investment Fiduciary®, Professional Plan Consultant®.#cortburgspeaksretirement #retirement #retirementplanning #retirementtips #retirementincome #retirementincomeplanning #retirementgoals #retirementinvesting #retirementadvice #retirementgoals #stockmarket #moneymanagement #wealthmanagement #financetips #financialadvice #financialfreedom #financialeducation #insurance #CortburgSpeaksRetirement #MiguelXGonzalez #retirementmyths, #retirementplanning, #financialtips, #MiguelGonzalez, #CortburgRetirementAdvisors, #retirementadvice, #retirementsuccess, #retirementreality, #financialwellness, #retirementsavings, #retirementhealth, #postretirementplanning, #retirementsimplifiedWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com
This week Miguel Gonzalez, CRC, shares practical tips for those 10 years away from retirement to help plan for a smooth and stress-free transition.About Cortburg Retirement Advisors, Inc. Join Miguel Gonzalez, CRC, this week as he tackles the crucial question of when to start receiving Social Security benefits. Tune in to learn how your decision impacts your financial future and get expert insights to help you make the best choice for your unique situation.About Cortburg Retirement Advisors, Inc.Cortburg Retirement Advisors is a full-service, boutique financial planning firm dedicated to guiding clients through both turbulent and calm economies. Our mission is to help you grow, protect, and preserve your assets from your first job through retirement. With comprehensive in-house capabilities, our experienced team assists with all financial needs, including wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning.About Miguel Gonzalez, MBA, AIF®, CPFA®, PPC®, CRC®Miguel Gonzalez is a Retirement Specialist with over 20 years of experience in retirement income planning, investment management, and retirement plan design.Former Financial Advisor at JP Morgan Chase Bank, Merrill Lynch, and ING Financial Advisors.Consultant for Barbara Corcoran Inc. and the World Bank.MBA from Columbia Business School.Life and Health insurance licenses, Series 7 and 66 registrations held through LPL Financial.Fluent in English, Spanish, and Russian.Certifications: Certified Retirement Counselor®, Certified Plan Fiduciary Advisor®, Accredited Investment Fiduciary®, Professional Plan Consultant®.Welcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com
3 Reasons Why Investors Should Streamline Their AccountsHow Low Can You Go with Retirement Accounts?How You Can Consolidate Tax-Deferred AccountsConsolidate Retirement Accounts with the Same ProviderThe Week Ahead in MarketsHere's What to Expect from Macy's Upcoming EarningsWhat Investors Want to Hear from Macy's CEOWhat Tanked Arkhouse Management and Brigade Capital Management's Offer to Macy'sMacy's Is Focusing on Luxury Sales Macy's Stock Outlook Ahead of Earnings Read about topics from this episode. 5 Steps to Spring-Cleaning Your Investment Portfolio 5 Steps to a Minimalist Portfolio 8 Stock Picks in the Apparel Industry Keep up with Morningstar's Q2 earnings season coverage here. What to watch from Morningstar.Now's the Time to Diversify Beyond Magnificent Seven Stocks3 Asset Classes That Could Raise Your Portfolio's Risk LevelbWhy Picking Top Stocks Is Not EnoughIs There a New Leader in the AI Race? Read what our team is writing:Ivanna HamptonChristine BenzDavid Swartz Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/X: https://x.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/
In this week's podcast with Miguel Gonzalez, CRC, learn how to maximize your retirement income through smart tax strategies and effective account management.Cortburg Speaks Retirement - episode #201Landing page: https://www.cortburgretirement.com/audio-podcast About Cortburg Retirement Advisors, Inc. Cortburg Retirement Advisors is a full-service, boutique financial planning firm - helping guide clients through turbulent and calm economies. Their goal is to help grow, protect, and preserve their assets from their first job through retirement. Cortburg's “all in one house” capabilities mean that their experienced team can help with all financial needs - wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning. Cortburg, retirement, retirement planning, retirement tips, retirement income, retirement income planning, retirement goals, retirement investing, retirement advice, retirement goals, stock market, money management, wealth management, finance tips, financial advice, financial freedom, financial education, insurance, Cortburg Speaks Retirement, MiguelXGonzalez Welcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com
Today's episode dives into many of your biggest questions about retirement: How much is enough for a typical retirement? What are the best ways to save and invest towards this goal? Do I put it all into my 401(k) or spread it over multiple retirement accounts? What can we expect from social security? How to prepare for unexpected health expenses in retirement? Should I hire someone to manage my retirement nest egg? What's the best place to store my cash after selling my house in my late 50s? Co-host Pam Krueger is a longtime financial journalist and founder of Wealthramp, a platform that helps you find a fiduciary (i.e., trustworthy) financial planner. Visit Wealthramp.com/Farnoosh to get matched with a pre-vetted advisor.
How do we determine our “magic number” - the amount we need to retire? Clark weighs in on the debate about how much it takes to be financially secure, and how to start and keep making progress. Also today -private placements, hedge funds, limited partnerships, private equity - beware of this type of non-traditional investment “opportunity”. Even when they're legit, there's no liquidity, and extremely high expenses. It pays to know why you need to avoid investing with anyone who is not a fiduciary. How Much Do You Need To Retire?: Segment 1 Ask Clark: Segment 2 Risky Investment Pitches: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The “Magic Number” Needed to Retire Comfortably Is More Than You Think Americans Believe They Will Need $1.46 Million to Retire Comfortably According to Northwestern Mutual 2024 Planning & Progress Study - Apr 2, 2024 Retirement crisis looms as Americans struggle to save How to Start Investing: 10 Steps (Clark.com) How To Save Money: Spend Less & Build Your Savings Warning: Here's What Those Debt Settlement Companies Don't Tell You Clark Howard's 2024 Credit Card Debt Elimination Strategy 6 Things To Know Before Contacting the National Foundation for Credit Counseling Best 529 College Savings Plans By State How To Open a Roth IRA The AJC: Atlanta hedge fund manager charged in $10M fraud scheme Best Financial Advisors in 2024 Should You Make Your Child an Authorized User on Your Credit Card? Best Credit Cards for Students: Top Picks for 2024 Travel Archives - Clark Howard 4 Ways To Get Your Free Credit Score Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
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