Podcasts about Retirement planning

Reverse mortgages can be a tremendous help, so why are we still seeing resistance from financial advisors?It's time to spread the word and get the education out there.In this episode, Jamie Hopkins, Managing Partner of Wealth Solutions, and Ana Trujillo Limón, Director, Coaching and Advisor Content, are joined by Craig Lemoine, CFP®, Ph.D., MRFC, Director of Personal Financial Planning, to interview Dr. Barry Sacks, J.D., Ph.D., Principal at Law Office of Barry H. Sacks, about his research on retirement income and housing wealth. Dr. Sacks talks about the importance of home equity in retirement planning and the use of reverse mortgages to mitigate adverse investment returns. He also discusses his 2021 paper on the risk side of retirement planning and the concept of risk of cash flow exhaustion. In addition, Dr. Barry covers the regulatory landscape of reverse mortgages, addresses the challenges faced by financial planners, and discusses the complexities of dividing assets in divorce and the potential benefits of reverse mortgages.Barry and Craig discuss: Dr. Barry Sacks' research on using reverse mortgages and home equity lines of credit in retirement planningWhy it's important to consider home equity as a crucial asset in retirement planningHow incorporating home equity into retirement planning can increase safe withdrawal percentagesWhat the risk of cash flow exhaustion concept in retirement planning isSome of the challenges financial advisors face when they talk about reverse mortgagesHow reverse mortgages can be used in divorce situations to preserve retirement incomeAnd moreResources:Reversing the Conventional Wisdom: Using Home Equity to Supplement Retirement Income by Barry H. Sacks, J.D., Ph.D., and Stephen R. Sacks, Ph.D.To Reduce the Risk of Retirement Portfolio Exhaustion, Include Home Equity as a Non-Correlated Asset in the Portfolio by Philip Walker; Barry H. Sacks, Ph.D., J.D.; and Stephen R. Sacks, Ph.D.Connect with Ana Trujillo Limón: Carson Group LLCLinkedIn: Ana Trujillo LimónConnect with Barry Sacks:LinkedIn: Barry SacksConnect with Craig Lemoine:University of IllinoisLinkedIn: Craig LemoineX (Twitter): @HigherEdCraigAbout our Guests: Meet Barry H. Sacks, J.D., Ph.D., Reverse Mortgage Retirement Portfolio Longevity expert. Barry Sacks, Ph.D. earned his Ph.D. in semiconductor physics from M.I.T. and then taught at U.C. Berkeley. He earned a J.D. from Harvard Law School and is a Certified Specialist, Taxation Law, from the California Board of Legal Specialization.  Barry spent 35 years as an ERISA attorney, specializing in qualified retirement plans. He then used his breadth of skills to discover a role for a reverse mortgage to help make a retirement portfolio last longer. Barry now has a law practice providing special services to tax professionals in the area of “Offers in Compromise” for retirees living on 401(k) accounts or other securities portfolios.Craig Lemoine is the Director of the Financial Planning Program at the University of Illinois, Urbana-Cha

Cortburg Speaks Retirement - episode #165: How To Navigate Global Geopolitical Events / Investment in Stock Market, Financial Planning, Retirement Planning, Money Management Tags: #Cortburg #retirement #retirementplanning #retirementtips #retirementincome #retirementincomeplanning #retirementgoals #retirementinvesting #retirementadvice #retirementgoals #stockmarket #moneymanagement #wealthmanagement #financetips #financialadvice #financialadvice #global #geopolitical #assetallocation #diversification #compoundingreturns #rebalancing #professionaladvice #financialfreedom #financialeducation #insurance #CortburgSpeaksRetirement #MiguelXGonzalez #ApplePodcasts #Spotify #AmazonMusic #Stitcher #iHeartRadio #Pandora #TuneIn #PodcastAddict #Podchaser #PocketCasts #Deezer #ListenNotes #PlayerFM #Castbox #Podfriend  About Cortburg Retirement Advisors, Inc. Cortburg Retirement Advisors is a full-service, boutique financial planning firm - helping guide clients through the 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.     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

Our guest on the podcast today is Dan Haylett. Dan is a financial planner and head of growth for TFP Financial Planning based in the United Kingdom. Dan focuses on financial planning, retirement planning, and life planning for people over age 50. He also hosts a podcast called The Humans vs. Retirement that is centered on the behavioral aspects of retirement. Prior to joining TFP, Dan occupied several positions in the asset-management industry.BackgroundBioTFP Financial PlanningThe Humans vs. Retirement podcastRetirement“How to Become a ‘Retirement Rebel' for a Higher ‘Return on Life,'” by Dan Haylett, humansvsretirement.com.“Retirement Is a Flawed Concept, With Carl Richards,” The Humans vs. Retirement podcast, humansvsretirement.com, June 19, 2023.“Navigating the Changing Relationship With Your Spouse in Retirement, With Ashley Quamme,” The Humans vs. Retirement podcast, humansvsretirement.com, June 5, 2023.Identity and Purpose“Retiring With a Bang: Harvard's 85-Year Study Unlocks Secrets to a Long and Happy Life,” by Dan Haylett, humansvsretirement.com.“Happiness, Fulfillment, and Contentment in Retirement,” by Dan Haylett, humansvsretirement.com.“The Anchors of Retirement Well-Being,” by Dan Haylett, humansvsretirement.com.“Retirement Should Not Be Viewed as the Third and Final Phase of Life,” by Dan Haylett, humansvsretirement.com.Psychology of Spending“Understanding the Deep-Seated Fear of Running Out of Money and Its Impact on Retirement,” by Dan Haylett, humansvsretirement.com.“From 4% Rule to 8% Fool: Unleashing Your Inner Retirement Spending Rockstar,” by Dan Haylett, humansvsretirement.com.“The Psychology Behind Spending Money in Retirement,” by Dan Haylett, humansvsretirement.com.“Annuitized Income and Optimal Asset Allocation,” by David Blanchett and Michael Finke, papers.ssrn.com, Sept. 22, 2017.“Dan Haylett: Is It Good Advice to Give Money Away?” by Dan Haylett, essexcommunityfoundation.org.uk, July 27, 2022.Other“Lessons and Experiences Through the Lens of a Real-Life Retirement Journey, With Andy Murphy,” The Humans vs. Retirement podcast, humansvsretirement.com, June 26, 2023.“6 Weeks Into His Retirement! An Inspirational Real Retirement Story With Neil Jones,” The Humans vs. Retirement podcast, humansvsretirement.com, Nov. 17, 2023.“How to Light Your Retirement Torch With the Father of Life Planning, George Kinder,” The Humans vs. Retirement podcast, humansvsretirement.com, Oct. 6, 2023.“Carl Richards: It Should Be OK to Relax Out Loud,” The Long View podcast, Morningstar.com, July 27, 2021.“Michael Kitces: How Higher Yields Affect Asset Allocation and Retirement Planning,” The Long View podcast, Morningstar.com, May 9, 2023.Mitch AnthonyPaul Armson

Should Brian in Binghamton, New York pay off his mortgage for a guaranteed 6% return? How bad did Steve in Pittsburgh screw up his retirement, and can he afford to buy a new house away from his a-hole neighbors? Can Susan and her husband in Cape Canaveral Florida retire in a year and a half and should they pay off their mortgage? And how can Edith and Archie in Kansas maximize Roth Conversions and factor paying off the mortgage into their retirement spending strategy? Plus, Steve and Marcia in Indiana and Florida wonder about their retirement spending and whether they should collect Social Security now or wait until age 70, and should Sunny D in Arizona keep potential withdrawals in cash or sell investments as needed to satisfy required minimum distributions (RMDs)? We kick things off with Shelly's voicemail about investing the proceeds from the sale of a business.  Timestamps: 00:58 - How to Invest $1M From the Sale of a Business? (Shelly - voice) 06:55 - RMDs: Keep Potential Withdrawals in Cash or Sell Investments as Needed? (Sunny D, AZ) 10:00 - Pay Off Mortgage for Guaranteed 6% Return? (Brian, Binghamton, NY) 15:52 - How Bad Did I Screw Up My Retirement? Can I Afford to Buy a New House? (Steve, Pittsburgh) 21:40 - Can We Retire in 1.5 Years? Should We Pay Off the Mortgage (Susan, Cape Canaveral, FL) 32:14 - How to Maximize Roth Conversions While Spending From Our Portfolio and Paying Off the Mortgage (Archie & Edith, KS) 39:39 - Retirement Spending and Collecting Social Security Now or Wait to Age 70? (Steve & Marcia, Indiana & Florida) 47:56 - The Derails Access this week's free financial resources in the podcast show notes at https://bit.ly/ymyw-458  Withdrawal Strategies Guide Free Financial Assessment Episode Transcript Ask Joe & Big Al On Air for your Retirement Spitball Analysis

How can reverse mortgages enhance retirement income planning? Today we take a deeper dive into the potential of home equity with reverse mortgages.In this episode, Jamie Hopkins, Managing Partner of Wealth Solutions, and Ana Trujillo Limón, Director, Coaching and Advisor Content, are joined by Craig Lemoine, CFP®, Ph.D., MRFC, Director of Personal Financial Planning, to speak with Dr. Wade Pfau, Founder of Retirement Researcher and RISA Profile, about the intersection of home equity and retirement income planning. They explore the potential benefits of reverse mortgages and the common misconceptions surrounding them. The conversation also touches on the emotional attachment people have to their homes and how this can impact their willingness to consider home equity in their retirement planning. Wade and Craig highlight the importance of understanding clients' needs and goals and the need for continued research and education in the field.Wade and Craig discuss: How they both became involved with home equity and retirement incomeWhen is an ideal time to consider a reverse mortgageThe challenge points and negative perceptions around home equity and reverse mortgagesThe behavioral finance perspective on emotional attachment to housing wealthDr. Pfau's research on housing wealth and the lack of pushback on his research on reverse mortgagesThe misconceptions that some advisors have about reverse mortgagesHow advisors can talk to their clients about reverse mortgagesWhat areas advisors need to improve on related to home equity and reverse mortgagesAnd moreResources:Framework | E134 | Dr. Wade Pfau: Retirement Planning in a Changing WorldReverse Mortgages by Wade PfauConnect with Ana Trujillo Limón: Carson Group LLCLinkedIn: Ana Trujillo LimónConnect with Wade Pfau:Retirement ResearcherRISA ProfileLinkedIn: Wade PfauConnect with Craig Lemoine:University of IllinoisLinkedIn: Craig LemoineX (Twitter): @HigherEdCraigAbout our Guests: Wade D. Pfau, Ph.D., CFA, RICP® is the founder of Retirement Researcher, an educational resource for individuals and financial advisors on topics related to retirement income planning. He is a co-founder of the Retirement Income Style Awareness tool and a co-host of the Retire with Style podcast. He also serves as a principal and the director of retirement research for McLean Asset Management. He also serves as a Research Fellow with the Alliance for Lifetime Income and Retirement Income Institute. He is a professor of practice at the American College of Financial Services and past director of the Retirement Income Certified Professional® (RICP®) designation program.Craig Lemoine is the Director of the Financial Planning Program at the University of Illinois, Urbana-Champaign. He serves as an Associate Clinical Professor, teaching courses in risk management, retirement, and financial planning. Craig earned his Ph.D. from Texas Tech University in 2013 and current

Over the last few years, I went from being a condo owner to an apartment renter in a different part of the country. All because my soul was calling me to the ocean. Am I okay?Have a money question? Email us hereSubscribe to Jill on Money LIVEYouTube: @jillonmoneyInstagram: @jillonmoneyTwitter: @jillonmoneySee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Welcome to the first of a 5-part series on Framework to provide some color around home equity and retirement income planning.In this episode, Jamie Hopkins, Managing Partner of Wealth Solutions, and Ana Trujillo Limón, Director, Coaching and Advisor Content, speak with Craig Lemoine, CFP®, Ph.D., MRFC, Director of Personal Financial Planning, and Shelley Giordano, Enterprise Integration Mutual of Omaha Mortgage Founder, about reverse mortgages and retirement planning. They address the misconceptions about reverse mortgages, their potential benefits, and the importance of home equity in retirement planning. Shelley and Dr. Craig also highlight the need for financial advisors to better understand and appreciate reverse mortgages.Shelley and Craig talk about: Their backgrounds and involvement in reverse mortgages and retirement planningThe goals of the Longevity Funding Task Force and the Academy for Home Equity in Financial PlanningWhat is driving the misconceptions about reverse mortgages among financial advisorsThe need for better software solutions to incorporate home equity into financial planningThe various benefits and advantages of reverse mortgages, including self-funding for long-term careWhy addressing the negative reputation of reverse mortgages has been challengingAnd moreResources:Framework | E94 | Michael Lane: The Road to Success in Financial ServicesConnect with Ana Trujillo Limón: Carson Group LLCLinkedIn: Ana Trujillo LimónConnect with Shelley Giordano:Academy for Home Equity in Financial PlanningLinkedIn: Shelley GiordanoConnect with Craig Lemoine:University of IllinoisLinkedIn: Craig LemoineX (Twitter): @HigherEdCraigAbout our Guests: Shelley Giordano is the Founder and Past Chair of the Academy for Hope Equity in Financial Planning. Shelley has been a pioneer in reverse mortgage lending, having begun her career almost two decades ago. After years at home raising her children, she fell into the unlikely world of reverse mortgages. From her very first client, she was hooked. She, like other originators, witnessed palpable relief at reverse mortgage closings because the clients were able to improve their retirements without having to give up their homes. Shelley authored “What's the Deal with Reverse Mortgages” and is co-author of “What You Don't Know About Retirement Income Can Hurt You.” Today, Shelley chairs the non-profit Funding Longevity Task Force. This team of researchers, gerontologists, financial planning practitioners, and lenders is devoted to helping Boomers understand how powerful their housing wealth could be in planning for a more secure retirement.Craig Lemoine is the Director of the Financial Planning Program at the University of Illinois, Urbana-Champaign. He serves as an Associate Clinical Professor, teaching courses in risk management, retirement, and financial planning. Craig earned his Ph.D. from Texas Tech University in 2013 and currently holds the Certified Financial Planner ™ and Master Registered Financial Consultant™ designations. Craig currently serves as the Executive Director of the Academy for Home Equity in Financial Planning, vice-chairman of the Master Registered Financial Consultant Board, and is working with his team to

On this week's show we discuss things you should be doing as the year comes to end when it comes to retirement planning. Also this week changes in social security you need to be aware of moving forward. We want retirement to be the best that it can be, so we have some planning pitfalls to avoid. If you have any questions concerning your retirement call Guardian Investment Advisors 800-517-1575. Planning, Retiring, Saving, Taxes, 401K, Roth, IRASee omnystudio.com/listener for privacy information.

On this week's Money Matters, Scott and Pat discuss why the markets are on fire right now. They help a Phoenix man work through a great financial planning technique. A North Carolina caller asks for guidance on a savings goal. An Ohio woman wants to know whether she should buy an annuity. Then, Scott and Pat have a candid conversation about what retirement means to them. Finally, they explain why cash is not a long-term solution for investors.   Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

EP Wealth CFP Chad Burton discusses with Rob what you should know when getting Closer to Retirement and More on Rob and Chad's live webinar Thursday, December 7thSee omnystudio.com/listener for privacy information.

The holidays are upon us and that means it's time to make sure you have tied up all the loose ends before we welcome 2024. Tripp Limehouse put together a few things you should be sure to do before the end of the year to help secure your upcoming retirement. The show winds up with questions from listeners. To connect with Tripp call 800-940-6979. Visit Limehouse Financial to learn more.See omnystudio.com/listener for privacy information.

Join me on this episode of the Financial Breakaway Podcast as we dive deep into "Social Security Essentials: 3 Must-Know Topics for Effective Retirement Planning." As you near retirement, it's crucial to understand the intricacies of Social Security and how it fits into your overall financial plan. I'll guide you through the complexities and strategies to make the most of your Social Security benefits. In this episode, we'll cover: •

EP Wealth CFP Chad Burton discusses with Rob what you should know when getting Closer to Retirement and More on Rob and Chad's live webinar Thursday, December 7th

I'm thinking about buying a car, and my dad has suggested that even if I can pay cash for the car, getting a loan would help build my credit score. Is he right?Have a money question? Email us hereSubscribe to Jill on Money LIVEYouTube: @jillonmoneyInstagram: @jillonmoneyTwitter: @jillonmoneySee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Cortburg Speaks Retirement - Episode #164: Women and Philanthropy: A Guide to Giving / Investment in Stock Market, Financial Planning, Retirement Planning, Money Management Tags: #Cortburg #retirement #retirementplanning #retirementtips #retirementincome #retirementincomeplanning #retirementgoals #retirementinvesting #retirementadvice #retirementgoals #stockmarket #moneymanagement #wealthmanagement #financetips #financialadvice #financialfreedom #financialeducation #insurance #CortburgSpeaksRetirement #MiguelXGonzalez #ApplePodcasts #Spotify #AmazonMusic #Stitcher #iHeartRadio #Pandora #TuneIn #PodcastAddict #Podchaser #PocketCasts #Deezer #ListenNotes #PlayerFM #Castbox #Podfriend  About Cortburg Retirement Advisors, Inc. Cortburg Retirement Advisors is a full-service, boutique financial planning firm - helping guide clients through the 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.    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

In this episode, Brandon shares a recent exchange with a car mechanic, showcasing the dealership's commitment to transparency and customer safety. He uses the experience to point out the similarities between auto repair language and the complexities of financial advice, highlighting the fear and intimidation people often feel in both scenarios.   Much like the car owner's fear of deceptive mechanics, individuals often worry about navigating the complexities of financial advisors. The importance of transparency and a comprehensive risk and fee analysis becomes evident to help ensure financial confidence.   If you've been contemplating a second opinion on your financial portfolio, go to BowenWealth.com to start a conversation about securing your financial future with confidence.See omnystudio.com/listener for privacy information.

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Last-minute tax questions answered: should Brad in Wahoo, NE save to his regular 401(k) instead of his Roth 401(k) so he can claim the American Opportunity Tax Credit? Should Jennifer and Zeke in NY set up a Roth IRA and file taxes for their 13-year-old that's got some earned income? Does Cindy in San Diego have to report her Medicare Advantage over-the-counter medication benefit on her taxes? And should our buddy Carl Spackler wait until the new year to deposit his rollover check? Plus, Em in FL needs ideas for moving her Mom from a low-cost-of-living area to a high-cost-of-living area, Wannabe Landlord wonders about creating an LLC for his real estate, and can CJ in FL and IN report pro-rated real estate expenses on schedule E? Finally, the 5-year rule on Roth withdrawals once again, this time for Brutus Buckeye, and Bruce from Joisey is back, this time he wants to pay cash for a car.  Timestamps: 01:08 - American Opportunity Tax Credit and Other Tax Strategies (Brad, Wahoo, NE) 05:07 - Tax Filing for 13-Year-Old With Earned Income (Jennifer & Zeke, NY state) 09:47 - HSA: The Last Month Rule for Health Savings Accounts (JZ, New York) 13:01 - Income Tax and Sales Tax Explained (Cindy, San Diego - North County) 16:23 - Deposit Rollover Check After New Year to Avoid the Pro-Rata Rule? (Carl Spackler, FL) 21:12 - Strategies for Mom to Move from LCOL to HCOL Area (Em, FL) 26:28 - LLC For Real Estate Investment Properties? (Wannabe Landlord) 28:28 - How to Report Pro-Rated Real Estate Expenses on Taxes (CJ, Florida & Indiana) 32:22 - 5-Year Roth IRA Withdrawal Rule - Sigh (Brutus Buckeye, Columbus, OH) 37:41 - Should I Pay Cash for a Car? (Bruce, Joisey) 43:15 - The Derails Access this week's free financial resources in the podcast show notes at https://bit.ly/ymyw-457  Reduce Your 2023 Taxes With These End-of-Year Tax Planning Strategies (free on-demand webinar) End-of-Year Tax Strategies Guide DIY Retirement Guide (LIMITED TIME OFFER! Download by Friday, Dec. 1, 2023!) Episode Transcript Ask Joe & Big Al On Air for your Retirement Spitball Analysis

Recently, The Wall Street Journal echoed what many have been feeling: the 60-40 portfolio mix is failing, not just because of the "riskier" stocks…but because bonds have taken serious hits in the last few years.   In this episode, Frank and Frankie challenge traditional financial wisdom and delve into the pitfalls of “old financial rules.” There are many different investment blend opportunities available to retirees and pre-retirees. Alternatives like fixed indexed annuities may offer more stability. Combined with savvy tax strategies, you could potentially increase your annual retirement income by thousands.   If you're seeking help in navigating market uncertainties, minimizing taxes, while creating viable retirement income streams, visit A Better Way Financial.com to begin tailoring your financial future.   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.”See omnystudio.com/listener for privacy information.

Is there any reason why we should keep a whole life insurance policy for my son? Have a money question? Email us hereSubscribe to Jill on Money LIVEYouTube: @jillonmoneyInstagram: @jillonmoneyTwitter: @jillonmoneySee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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As the founder of Easy Solutions GP LLC in 2023, Garland has spent over a decade building a career in finance, determined to make a difference in an industry where less than 4% of financial advisors are of color. His journey began with a degree from Morehouse College, instilling in him a commitment to excellence and community. He specializes in financial planning and wealth advisory services, and his vision is to provide credit management solutions for families from as early as 2 years old, believing in the power of early financial education. His mission is to empower families with the knowledge they need to support each other throughout life, adapting to their unique habits and needs to achieve financial freedom.   In a world where financial challenges can be overwhelming, he is dedicated to offering accessible and practical solutions to create a brighter and more secure future for all. Join him in the pursuit of financial well-being and the realization of your dreams.   EasySolutionsgp.com   SUBSCRIBE TO THE PODCAST HERE: APPLE PODCASTS GOOGLE PODCASTS SPOTIFY LIBSYN YOUTUBE   OKIKI RESOURCES: Need Video Content or Personal Brand Photos? Book Here Join the Okiki Video Content Bootcamp Today! https://www.okikiconsulting.com/okiki-video-bootcamp   ABOUT FIYIN: Fiyin Obayan is the founder of Okiki Consulting, where she helps business owners communicate their personal brand or company brand stories through video content, in order to communicate to their target audience. Contact Fiyin: Website: www.okikiconsulting.com Email: info@okikiconsulting.com Phone: (306)716-0324 Instagram: @Okikiconsulting and @Okikiconsultingmedia Facebook: @Okikiconsulting LinkedIn: https://www.linkedin.com/in/fiyinobayan/ Business: https://www.linkedin.com/company/okiki

Going beyond the dollars and cents, retirement is a lifestyle shift, and it is essential to plan for it as such. In this episode, you'll discover the practicalities of planning for retirement as Michael, Tommy, and John discuss sick and annual leave, the value of proactive planning over reactive approaches, and how strategically using leave can impact not just your retirement, but also your current life.  Access the full show notes at Mason & Associates, LLC

With over 70 million freelancers in the U.S., freelancing obviously appeals to a lot of workers and offers a lot of benefits to those who wish to work for themselves. However, it doesn't offer a 401(k) program, and that means saving for retirement is not as easy as filling out a form and giving it to HR. In fact, freelancers are essentially their own HR department, and that adds some complexity.On this episode of Financial Decoder, host Mark Riepe speaks with Susan Hirshman, a director of wealth management for Schwab Wealth Advisory and the Schwab Center for Financial Research. They discuss the challenges freelancers face in their financial lives, as well as the options they have to invest for retirement and get the most out of their savings.To read the study Mark references about the effect of visualization on risk-taking, Check out "Imagining Risk Taking: The Valence of Mental Imagery Is Related to the Declared Willingness to Take Risky Actions" in the Journal of Behavioral Decision Making.Follow Financial Decoder for free on Apple Podcasts or wherever you listen.Financial Decoder is an original podcast from Charles Schwab. For more on the series, visit Schwab.com/FinancialDecoder. If you enjoy the show, please leave us a rating or review on Apple Podcasts. Important DisclosuresThe information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. All expressions of opinion are subject to changes without notice in reaction to shifting market, economic, and geopolitical conditions.Data herein is obtained from what are considered reliable sources; however, its accuracy, completeness, or reliability cannot be guaranteed. Supporting documentation for any claims or statistical information is available upon request.Investing involves risk, including loss of principal.All corporate names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.​This information is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Where specific advice is necessary or appropriate, you should consult with a qualified tax advisor, CPA, Financial Planner, or Investment Manager.Diversification and asset allocation strategies do not ensure a profit and do not protect against losses in declining markets.Schwab Wealth Advisory™ ("SWA") is a non‐discretionary investment advisory program sponsored by Charles Schwab & Co., Inc. ("Schwab"). Schwab Wealth Advisory, Inc. ("SWAI") is a Registered Investment Adviser and provides portfolio management for the SWA program. Schwab and SWAI are affiliates and are subsidiaries of The Charles Schwab CorporationThe Schwab Center for Financial Research is a division of Charles Schwab & Co.There are certain eligibility requirements for working with a dedicated Financial Consultant. Apple, the Apple logo, iPad, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.1123-3WNB

With over 70 million freelancers in the U.S., freelancing obviously appeals to a lot of workers and offers a lot of benefits to those who wish to work for themselves. However, it doesn't offer a 401(k) program, and that means saving for retirement is not as easy as filling out a form and giving it to HR. In fact, freelancers are essentially their own HR department, and that adds some complexity.On this episode of Financial Decoder, host Mark Riepe speaks with Susan Hirshman, a director of wealth management for Schwab Wealth Advisory and the Schwab Center for Financial Research. They discuss the challenges freelancers face in their financial lives, as well as the options they have to invest for retirement and get the most out of their savings.To read the study Mark references about the effect of visualization on risk-taking, Check out "Imagining Risk Taking: The Valence of Mental Imagery Is Related to the Declared Willingness to Take Risky Actions" in the Journal of Behavioral Decision Making.Follow Financial Decoder for free on Apple Podcasts or wherever you listen.Financial Decoder is an original podcast from Charles Schwab. For more on the series, visit Schwab.com/FinancialDecoder. If you enjoy the show, please leave us a rating or review on Apple Podcasts. Important DisclosuresThe information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. All expressions of opinion are subject to changes without notice in reaction to shifting market, economic, and geopolitical conditions.Data herein is obtained from what are considered reliable sources; however, its accuracy, completeness, or reliability cannot be guaranteed. Supporting documentation for any claims or statistical information is available upon request.Investing involves risk, including loss of principal.All corporate names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.​This information is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Where specific advice is necessary or appropriate, you should consult with a qualified tax advisor, CPA, Financial Planner, or Investment Manager.Diversification and asset allocation strategies do not ensure a profit and do not protect against losses in declining markets.Schwab Wealth Advisory™ ("SWA") is a non‐discretionary investment advisory program sponsored by Charles Schwab & Co., Inc. ("Schwab"). Schwab Wealth Advisory, Inc. ("SWAI") is a Registered Investment Adviser and provides portfolio management for the SWA program. Schwab and SWAI are affiliates and are subsidiaries of The Charles Schwab CorporationThe Schwab Center for Financial Research is a division of Charles Schwab & Co.There are certain eligibility requirements for working with a dedicated Financial Consultant. Apple, the Apple logo, iPad, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.1123-3WNB

As the year winds down we're looking ahead to 2024 and what changes are in store for many in the financial red zone, that's five to ten years from retirement. SECURE 2.0 has rolled out some changes that are shaking up how employer-sponsored retirement plans work. Tripp Limehouse covers the highlights and how some of the changes can make a positive difference in your retirement plan. The show winds up with questions from listeners. To connect with Tripp call 800-940-6979. Visit Limehouse Financial to learn more.See omnystudio.com/listener for privacy information.

Summary: In this episode of WealthTech Unwrapped, Ned engages in a conversation with Sam Rhee, the Co-founder and Chairman of Endowus, a cutting-edge digital wealth management platform based in Singapore. Samuel's journey from a successful finance career to the founding of Endowus is driven by a mission to address Singapore's impending retirement crisis.Sam's passion for addressing societal challenges through technology finds expression in Endowus, a platform strategically designed to bridge gaps in the CPF system, Singapore's national pension fund. Overcoming the primary hurdle of gaining consumer trust for a new brand handling their savings, Sam highlights the platform's commitment to building confidence in clients entrusting their life savings.Recognizing the critical role of trust in wealth management, Endowus strategically leverages the CPF market and forges partnerships with reputable brands, fostering a sense of assurance among clients. Beyond trust-building, Sam acknowledges the significance of shaping consumer behavior. This realization propels Endowus to pioneer educational initiatives, such as insightful articles and webinars, aimed at enhancing financial literacy.Key Takeaways1. Strategic market leverage and key partnerships with trusted brands fortify confidence in wealth management.2. Prioritise brand authenticity by intentionally selecting advocates who resonate with the platform's mission. This approach, devoid of celebrity endorsements, ensures a genuine connection, reinforcing trust and authenticity in your brand-building strategy.3. Progressive platforms prioritize financial literacy initiatives, driving positive client impact and shaping favorable investment behaviors.

Gobble, gobble! Happy Thanksgiving from Jill and Mark. Talk to you next week! Have a money question? Email us hereSubscribe to Jill on Money LIVEYouTube: @jillonmoneyInstagram: @jillonmoneyTwitter: @jillonmoneySee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this audio podcast episode, Miguel Gonzalez shares 4 Thanksgiving lessons to help you and your family plan for your finances.Cortburg Speaks Retirement - episode #163: 4 Thanksgiving Lessons for a Feast-Worthy Financial Plan  / Investment in Stock Market, Financial Planning, Retirement Planning, Money ManagementTags: #Cortburg #retirement #retirementplanning #retirementtips #retirementincome #retirementincomeplanning #retirementgoals #retirementinvesting #retirementadvice #retirementgoals #stockmarket #moneymanagement #Thanksgiving #wealthmanagement #financetips #financialadvice #financialfreedom #financialeducation #insurance #CortburgSpeaksRetirement #MiguelXGonzalez #ApplePodcasts #Spotify #AmazonMusic #Stitcher #iHeartRadio #Pandora #TuneIn #PodcastAddict #Podchaser #PocketCasts #Deezer #ListenNotes #PlayerFM #Castbox #PodfriendAbout 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.    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

Choosing a financial advisory firm is a critical decision, and today, we'll dive into why Fiat stands out among the rest. We'll break down how, unlike firms dealing with trust funds or perpetual wealth, Fiat focuses on those transitioning from their working years to retirement, fostering relationships with clients they genuinely care about. Listen in to discover the significance of liking your financial advisor and the benefits of seeking help for retirement planning.  You can find show notes and more information by clicking here: https://www.fiatwm.com/podcast/68 

Welcome back to the SFS Power Up Wealth Podcast. I'm James Derrick. Today, we dive back into our 3rd and final discussion on the U.S. dollar as the world's reserve currency.

The Four D's of Retirement Planning by Thrive Financial Services

The retirement planning world is filled with plenty of advice and suggestions, but there are critical questions lurking in the shadows – the unasked, the overlooked. These are the questions that can help define the comfort and security of your retirement future. In this episode, we unearth and tackle these hidden, but essential questions about retirement. How much are your tax deferred savings going to cost you in taxes in retirement? How does where you live or plan to live impact your retirement situation? Listen in as Dave and Drue tackle these commonly overlooked questions so that you can gain the clarity you need to take on your retirement years with confidence!   Here are the hidden questions that we discuss in this episode: How much are my tax deferred savings going to cost me in taxes in retirement? How much can I withdraw from my savings each year? Should I still have life insurance when I'm retired? Does where I live (or where I plan to live) greatly impact my retirement situation? How much am I really paying in fees and commissions?   Contact Dave and Drue:  Web: https://www.truefinancialpartners.com/ Email: info@truefp.biz Phone: 877-359-8783  

Just as a Thanksgiving feast brings joy and fulfillment, your retirement should also be a time of happiness and abundance!   On this episode, Brandon draws the parallels between preparing a holiday feast and crafting a successful retirement income plan. Gather around as we discuss the “entrée” and “sides” for your financial future.   Just like a well-balanced meal, your retirement income plan should have various components. Brandon discusses maximizing Social Security, exploring fixed indexed annuities, alternative investments, real estate, and dividend stock portfolios. It's an array of flavors tailored to your specific situation, ensuring a steady income stream during retirement.   Connect with Brandon and his team at BowenWealth.com to begin exploring what key ingredients will help satisfy your retirement goals and dreams.See omnystudio.com/listener for privacy information.

We made it. Following today's podcast, I am excited to announce that all 13 chapters of my latest book have been recorded and released as a free podcast exclusively for you, our listening community. Soon we will be releasing the audiobook. If you listen to, or read the entire book you will notice that it starts with a basic framework for a comprehensive retirement financial plan and each chapter builds on the next. I sure appreciate the opportunity to teach you the concepts, ideas and strategies that will help you have an amazing retirement. We have some incredible things scheduled for 2024. Having surpassed 1 million podcast downloads and with thousands of individuals utilizing our retirement budget calculator, we are expanding our team at Parker Financial, to provide even greater assistance to individuals seeking investment management and retirement planning in 2024. Our aim is to empower more people than ever before. It's going to be an amazing year. As we approach Thanksgiving, I just want to let you know how much I appreciate you. Thank you for telling your friends about the podcast and sharing the books and retirement budget calculator with the people you care about. I sure appreciate you. With Christmas around the corner I am going to steel an idea from Oprah Winfrey and next week I am going to share with you some of my favorite things from 2023. From gadgets, to books, kitchen equipment, pickleball gear and clothes. If you find it difficult to come up with creative gift ideas I think you will enjoy next week's podcast.  

Planning to retire early? Joe and Big Al spitball on bridging the gap to your retirement income when there's a pension in the mix, today on Your Money, Your Wealth® podcast 456. Manley and his wife are in their early 50s and have teacher's pensions. Can they retire in 2 and a half, or even one and a half years? Can Bucky in the Midwest retire in 2024, and can Henry Karl Kittensburg III retire in about 3 years, with all the milk his heart desires? How should Paul in Houston choose his pension options for early retirement? Is Greg in Southern California's CalSTRS teacher's pension enough for his retirement? Keaton Money in Colorado needs the fellas to help him decide between his pension's fringe benefits and brokerage account returns, and big Paw in a mid-Atlantic state asks for a spitball on how to reduce taxes on an impending headcount reduction lump sum payout.  Timestamps: 00:58 - Early 50s, Teacher's Pensions. Can We Retire Early in 1.5 or 2.5 Years? (Manley, Nashville) 08:17 - How to Choose Pension Options for Early Retirement (Paul, Houston, TX)  18:25 - Is CalSTRS Teacher's Pension Enough in Retirement? (Greg, Southern California)  22:02 - Am I In Good Shape to Retire in 2024? (Bucky from the Midwest)  23:32 - Pension Fringe Benefits vs. Brokerage Account Returns (Keaton Money, CO)  32:00 - Can We Retire at Age 59? (Henry Karl Kittensburg III, Western OH) 40:42 - How to Reduce Taxes On a Headcount Reduction Retirement Lump Sum Payout? (Big Paw, mid-Atlantic state) 50:50 - The Derails  Access this week's free financial resources in the podcast show notes at https://bit.ly/ymyw-456  Retirement Income Strategies Guide EASIretirement.com free retirement calculator Episode Transcript Ask Joe & Big Al On Air for your Retirement Spitball Analysis

New inflation numbers came in lower than expected. October's Consumer Price Index was 3.2%, down from September's 3.7% and the core CPI (which excludes food and energy prices) dropped one-tenth to 4.0%. Still, the numbers are higher than the Fed's goal of 2%. And even though it recently passed on raising interest rates again, the Fed vows to continue its fight.   On this episode Frank and Frankie Guida delve into the impact of inflation on not just your holiday budget, but your retirement portfolio for all Thanksgivings still to come.   We hear from Shark Tank's Kevin O'Leary who says where he thinks the Fed may go, sparking a conversation on the crucial necessity to incorporate inflation into your financial plan.   Learn how proper planning, with things like lower risk investments, may help ensure your income not only meets today's needs but grows with you over time. Visit A Better Way Financial.com to start your journey to a better financial future.   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.”See omnystudio.com/listener for privacy information.

Get ready to rock to the rhythms of retirement wisdom in this week's episode! We've put together the ultimate retirement planning playlist, featuring timeless lyrics that reflect various stages of the planning journey. From setting financial goals to finding purpose in your golden years, this playlist sets the stage for important discussions about crafting your dream retirement.   Contact Info: Website: https://crystallaketax.com/ Phone Number: 815-526-3092

I am in a five year unmarried relationship and my partner makes quite a bit more money than I do, so I want to make sure I am making financial choices that are in my own best interest.Have a money question? Email us hereSubscribe to Jill on Money LIVEYouTube: @jillonmoneyInstagram: @jillonmoneyTwitter: @jillonmoneySee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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