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Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)5 Surprising Statistics That Will Make You Want To Retire EarlyReady to feel more motivated about retiring early? These five research-backed stats reveal how early retirement can positively impact everything from health to relationships—and might be the nudge you need to take your financial independence plan more seriously. The benefits go well beyond just having more free time.While many people delay retirement out of fear or uncertainty, the data shows that stepping away from work earlier can lead to greater satisfaction, improved well-being, and more meaningful use of time. But getting the timing right means understanding your financial picture and knowing when enough is truly en...2025-07-2117 minEarly Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)Here's How To Plan For Social Security If You Retire EarlyToo many people delay retirement just to boost their Social Security benefits, often at the cost of time, energy, and joy. But at Root, we believe retirement planning should be about more than just maximizing one metric. It should be about maximizing your life.If you're working extra years simply to avoid gaps in your earnings history or to earn a slightly higher monthly benefit, it's worth rethinking the bigger picture. In many cases, the trade-off isn't worth the lost years of freedom and vitality.A more holistic strategy might involve intentionally drawing from your...2025-07-1419 minEarly Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)The Not-So-Obvious Reason To Retire EarlyWe often focus on the fear of running out of money in retirement—but what if the bigger risk is running out of health before you can enjoy it? After watching The Amazing Race, I was reminded of a client story we hear all too often: years of diligent saving, only to be sidelined by health issues just before retirement begins.At Root, we’ve seen clients retire with more than enough—only to realize the extra working years came at the expense of their physical well-being. One client had $3 million saved but told us she would’ve been...2025-07-0715 minEarly Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)Why Retire Early? History Of The PodcastWhat if work became a choice, not a requirement?The Early Retirement Podcast is here to help you navigate the path to financial independence, so you can retire when you want and live how you want. Whether you’re nearing retirement or just starting to plan, this podcast delivers clear, actionable insights designed to simplify your biggest financial decisions.We focus on strategies that make a real impact—from tax planning moves that may unlock $100,000+ in lifetime savings, to investment and withdrawal strategies that align with your values and goals. It's not about chasing perfection, it's...2025-06-3019 minEarly Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)How to Calculate Your EXACT Early Retirement Number (Simple Formula)Retirement doesn’t come down to a magic number, it comes down to your number. In this episode, we walk through a simple, personalized framework to help you understand when you can truly retire, based on what you want life to look like, not generic benchmarks.We cover the core question: How much do you want to spend each month? From there, we reverse-engineer your retirement target, factoring in taxes, withdrawal strategies, estate planning, and those big one-time expenses that often get missed.And it’s not just about the math. We dive into the emot...2025-06-2318 minEarly Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)The 4% Rule: Is It Still the Key to Early Retirement in 2025?The 4% withdrawal rule does not apply to early retirees since it's based on a 30-year timeline, not the 40+ years needed for early retirement. Guyton's guardrails approach offers a better alternative, allowing for 5.2-5.6% withdrawal rates by adapting spending based on market performance.• Guardrails approach uses flexible withdrawal rates that increase when markets perform well and decrease during downturns• Traditional 4% rule based only on S&P 500 and intermediate US bonds, while diversification across asset classes can increase safe withdrawal rates• First years of retirement often have high expenses (healthcare, education, travel) when your portfolio is most vulner...2025-05-2619 min
Trust the Plan Podcast with Nick Hopwood, CFP® and Jim Pilat, CFP®EP 273: Start Saving Early: How to Fully Fund College with a 529 PlanOn the Trust the Plan Podcast, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth Management dive into the importance of starting early when investing for college. They emphasize that the earlier you begin, the more you can take advantage of compound growth, making it much easier to fully fund a college education. Using tools like 529 plans, families can invest in a tax-advantaged way toward future tuition costs. Nick and Jim break down how much you need to save monthly— depending on the target school and timeline—to stay on track. Their key message: trust the process, start early...2025-05-1908 minEarly Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)Why The Biggest Risk To Retiring Early Is Not What You ThinkEven when the financial plan indicates you're on track, many people experience anxiety—especially between ages 50 and 65, before traditional retirement benefits begin. This episode explores ways to prepare for that critical transition with clarity and confidence.• One of the most impactful retirement risks is withdrawing too much from your portfolio in the early years• Many individuals are “qualified rich, cash limited” with the majority of assets in tax-advantaged retirement accounts• Building a taxable brokerage account can provide additional flexibility before age-based access to retirement funds• For some, temporarily adjusting retirement account contributions may help support short...2025-05-1214 minEarly Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)Avoid These 6 Common Mistakes When Retiring EarlyIn this episode, Ari explores six common oversights in early retirement planning that can create unnecessary stress and limit flexibility in the long run.• Not establishing a taxable brokerage account to access funds before traditional retirement age• Overlooking healthcare planning, including available subsidies, which may impact retirement timing• Missing opportunities for tax efficiency through strategies like Roth conversions or coordinated withdrawals• Underestimating the importance of physical health when planning for an active retirement lifestyle• Limiting retirement vision to essential expenses, rather than factoring in meaningful goals and experiences• Focusing only on finances without cons...2025-05-0517 minEarly Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)Why More People Are Retiring Early Today Than Ever BeforeMore Americans than ever before are retiring early due to seven key factors reshaping our approach to work and retirement planning.• COVID-19 accelerated early retirements with 2.6 million more people retiring during the pandemic than expected• Average retirement age dropped from 64 in 2019 to 62 in 2022, one of the sharpest declines in decades• The FIRE movement (Financial Independence, Retire Early) has grown by 300% in searches between 2018-2023• Strong market performance created record numbers of 401(k) millionaires• Remote work flexibility enables 40% of workers to retire 2-5 years earlier than previously planned• 68% of Americans have reprioritized work-life balance with...2025-04-2814 min
The Retirement and IRA ShowTax Planning, Minus-One Method, Inherited Roth RMDs, and Early Social Security: Q&A #2516Jim and Chris discuss listener questions relating to tax planning at full retirement age, the minus-one method for RMDs, inherited Roth RMDs, and early Social Security.
(9:10) A listener jokes about the state trivia and offers a suggestion for Chris’s benefit.(11:10) Another listener shares a PSA about delays in online Social Security applications and recommends visiting a local office.(20:15) Georgette asks whether delaying her husband’s Social Security filing would be beneficial for Roth conversions.(39:30) Jim and Chris address whether the minus-one method for RMDs was paused during the IRS’s waiver period.(59:20) The gu...2025-04-191h 37Trust the Plan Podcast with Nick Hopwood, CFP® and Jim Pilat, CFP®EP 268: Maximizing Your Path to Early Retirement with Smart Tax StrategiesNick Hopwood, CFP® and Preston Gee, CFP®, hosts of the Trust the Plan Podcast, discuss a tax planning case study focused on achieving early retirement outside of traditional retirement accounts like 401(k)s and IRAs.
They emphasized that a key strategy for early retirement is having access to funds without needing to tap into retirement accounts, which often come with penalties for early withdrawal.
By effectively managing taxes and diversifying income streams, individuals can set themselves up for financial independence much earlier than traditional retirement planning might allow.
This approach focuses on smart tax...2025-03-3114 min
Stuff About Money They Didn't Teach You In SchoolEpisode 85: Should You Pay Your Mortgage Off Early?Debt. Some people hate it. Some people tolerate it. And when it comes to a mortgage, the debate gets even more interesting. In this episode of Stuff About Money They Didn’t Teach You in School, Erik Garcia unpacks the question that’s been on the minds of several clients this week: Should I pay off my mortgage early? With four unique client scenarios—ranging from low-interest-rate borrowers with excess cash flow to high-rate homeowners debating a refinance—Erik highlights why there’s no one-size-fits-all answer. Along the way, he shares his personal philosophy on debt (hint: not all debt is cr...2025-03-1124 min
Childfree Wealth®Andy and Libbi Planning Session 2: Retiring Early, Living Abroad, and Investing Smarter, Ep 127In this second episode of our Financial Planning Series, Dr. Jay takes you behind the scenes of his work, guiding Andy and Libby on their journey to early retirement. Together, they explore life in the Dominican Republic, refine their investment strategy, and tackle real-world challenges like maximizing 401(k) contributions, boosting international portfolio exposure, and managing healthcare costs abroad.Dr. Jay shares practical insights on balancing lifestyle aspirations with smart tax strategies and long-term goals. It’s a candid look at the financial planning process and how tailored advice can turn dreams into achievable plans.Ready to...2025-03-0556 minChildfree Wealth®Childfree Wealth® Checkup: Planning for Early Retirement with Ann, Ep 124Ever wonder what a live Childfree Wealth Checkup is like? Join Dr. Jay as he collaborates with Ann, a trailblazing client with a $1.1M net worth, who dreams of retiring early to embrace van life, steward trails, and explore national parks. Together, they uncover the path to retiring at 45 while balancing caregiving responsibilities and planning a career shift.This session dives deep into actionable steps, from researching Italian citizenship to reassessing homeowner’s insurance, offering a candid and inspiring look at how personalized financial planning can bring bold goals to life. Don’t miss this behind-the-scenes journey into...2025-02-121h 04Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)How Much Should I Be Saving To Retire Early?Understanding how much money you need to retire early involves examining various factors, including savings distribution, lifestyle choices, and investment strategies. By utilizing tools like the time value of money calculator, you can explore different scenarios to assess how to optimize your financial plan for retirement. • The importance of the time value of money in retirement planning • Case study: $527,000 savings and its implications for retirement • Impacts of spending goals on retirement strategy • The significance of account types and access in financial plans • Exploring various retirement scenarios using calculators • The trade-offs between saving more versus invest...2025-01-2715 minChildfree Wealth®Andy and Libbi Planning Session 1: From Debt to Dreams & Early Retirement, Ep 121Book Your Childfree Wealth Checkup Today! Welcome to Episode 1 of our Financial Planning Series with Andy and Libbi!Get an insider view as Dr. Jay guides Andy and Libbi through their monthly client calls to optimize their financial planning for this childfree couple. 💸In this 1st session, Dr. Jay explores their story—from tying the knot in 2010, battling debt, and now aiming for an early retirement! 💪🏖️ Their vision includes sun-soaked days in the Dominican Republic and a travel lifestyle. ✈️🌎Tying their vision to their current situation is harder than it may appear as Andy’s frugal nature p...2025-01-2253 minEarly Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)7 Steps To Check Off Before Retiring EarlyExploring seven essential steps to prepare for early retirement empowers listeners to approach their golden years with confidence and clarity. From understanding financial needs to defining personal success, this episode guides you through crucial retirement planning considerations.• Evaluating how much money you truly need for retirement• Contemplating your work status during retirement• Identifying alternative income sources for financial stability• Adjusting your savings strategy to ensure flexibility• Determining how much you want to leave behind for heirs• Exploring different investment approaches and risk levels• Defining personal success and fulfillment in retirementIf you hav...2025-01-0616 min
No Dumb Questions with Connell McShane and Doug Flynn, CFP401(k)s: Your Biggest Investment Asset. What You Need To Know. No Dumb Questions with Connell McShane and Doug Flynn, CFP. Ep. 6Send us a textConnell and Doug discussed the importance of early retirement planning, particularly through 401(k) plans, and the allocation of money in retirement plans. They also explored the challenges of retirement planning, comparing pensions and 401(k)s, and suggested ways to replicate a pension through investing. The conversation concluded with a discussion on the importance of self-reliance and having a plan for retirement.Retirement Savings by GenerationIn this episode of the podcast, Connell and Doug discuss retirement savings and how different generations approach the topic. They note that the way...2024-12-2327 minEarly Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)You Won't Believe How This Couple Retired Early With $500k+Imagine retiring early and living comfortably on just $500,000 in liquid assets. How did one couple manage to make this dream a reality without being investment experts? In this episode, I uncover their inspiring journey, where strategic lifestyle choices played a crucial role in their financial independence. Despite some initial hesitations to reveal their story, the couple offered valuable insights into how they achieved early retirement by aligning their financial resources with their lifestyle goals. This episode is a testament to the fact that financial freedom isn't reserved just for millionaires, but is attainable for those who prioritize their values...2024-12-2314 minEarly Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)How Do I Know When I Can Retire Early (Not Work Forever)?Is $7.8 million enough to retire at 57, debt-free and confident in your financial future? Many of you are thinking...OBVIOUSLY!Join us as we unpack this intriguing question, sparked by a listener's inquiry. While the numbers may suggest a straightforward answer, we dive much deeper, exploring the intangible aspects of retirement planning. At the heart of our discussion is the Sequoia system from Root Financial, a structured approach that transcends mere financial analysis to help you find true purpose and fulfillment in your post-career life.Crafting a sustainable retirement cash flow strategy is no simple task...2024-12-1235 min
Ready For Retirement5 Things People Regret About Early RetirementMany dream of retiring early, but you would be surprised to learn that many people who retire early regret doing so. James reveals five things that lead people to regret early retirement and provides practical tips to avoid these pitfalls.He explains why many individuals who retire before 65 struggle due to a lack of planning, overly conservative investment strategies, and failure to envision life beyond work. He highlights the importance of aligning financial plans with personal goals, maintaining a balanced portfolio to outpace inflation, and considering part-time work as a transitional phase. He also encourages listeners to “pr...2024-10-2921 minEarly Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)Run This Test BEFORE You Retire Early (How To Avoid Getting UNLUCKY)What-if scenarios allow you to retire early with confidence.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. 2024-10-2816 minEarly Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)3 Common Mistakes People Forget When Retiring EarlyHow can you ensure a secure and organized retirement plan without falling into common financial traps? In this episode, we promise to equip you with essential strategies that will help you avoid costly mistakes and make the most of your retirement savings. We'll discuss the importance of personalized financial planning and share the risks of mindlessly following others' investment moves, even if you're simply relying on your 401k. Listener Steve McCord offers a heartwarming reminder of the value in scrutinizing your financial plans, regardless of your net worth. We'll tackle the intricacies of Roth conversions and the p...2024-10-2116 minNo Dumb Questions with Connell McShane and Doug Flynn, CFPWhat We Wish We Knew When We Were 22! (About Money) No Dumb Questions with Connell McShane and Doug Flynn, CFP. Ep. 2Send us a textIn Episode 2 of No Dumb Questions, Connell McShane and Doug Flynn, CFP, share practical tips for financial success that they wish they knew when they were 22! Learn why starting early is key to building wealth, the power of compound interest, and how small, consistent savings can lead to becoming a millionaire. They also break down how to approach retirement savings like 401(k) plans and give advice on handling raises wisely. Tune in for actionable insights on managing your money smarter!Connell and Doug emphasized the importance of financial literacy, starting early...2024-10-1120 min
Stuff About Money They Didn't Teach You In SchoolEpisode 74: Top 3 Financial Planning Tips for Early-Career PharmacistsIn this episode of the "Stuff About Money" podcast, co-hosts Erik Garcia, CFP®, BFA™, ChFC® and Xavier Angel, CFP®, ChFC®, CLTC discuss key financial planning strategies for pharmacists at the start of their careers. They explore how to effectively manage income and expenses, set meaningful financial goals, and create a balanced budget to ensure a secure financial future. Erik and Xavier also discuss the challenges of managing student debt and the importance of making informed financial decisions. With practical insights and tips, this episode is packed with valuable advice to help pharmacists build a strong...2024-10-0835 min
Women's Money WisdomEpisode 237: Getting Ready to Pay for College with Lucy Valandra, CFP® & Alexa Kane, CFP®, CDFA®, AIF®Ever wondered how to secure a bright educational future for your children without compromising your own financial well-being? Join Melissa Joy, CFP®, CDFA®, and her insightful colleagues Lucy Valandra, CFP®, and Alexa Kane, CFP®, CDFA®, AIF®, as they share personal stories and helpful tips to make the college savings process smoother. Lucy starts off with her heartwarming journey as a new mother to twin boys and the proactive steps she's taking toward their education savings. Meanwhile, Alexa, balancing life with two boys and a baby girl on the way, breaks down the many benefits of 529 plans—fr...2024-09-1738 minEarly Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)7 Surprising Regrets From My Clients Who Retired EarlyI want to ensure you all learn from my clients who have successfully retired early and I'll be launching a new format where I invite more of you on the show so you can hear from those who have done it!Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping c...2024-08-1221 minEarly Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)5 Signs It’s Time To Consider Retiring EarlyWhat if you could choose to work not because you have to, but because you genuinely want to?I want to ensure you don't work longer than necessary, without working too long!Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. 2024-08-0521 minEarly Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)3 Retirement Rules Of Thumb That Don't Apply To An Early RetirementThere are many rules that work for the traditional "Retire at 65" and "Die at 95" (sounds dark, I know).The truth is those don't rules apply to you if you want to optimize an early retirement.You may need this income a lot longer and want to have a strategy designed for years of travel, healthcare costs, 40+ years of income, etc.I walk you through what you do and don't need to worry about when it comes to your early retirement.Create Your Custom Early Retirement Strategy Here...2024-07-1519 min
The Canadian Money RoadmapMy career path as an independent CFP® ProfessionalIn this episode of the Canadian Money Roadmap Podcast, host Evan Neufeld shares his personal journey to becoming a certified financial planner at an independent investment firm in Canada. Evan discusses his educational background, early entrepreneurial ventures, and the pivotal moments that led him to his current role. He elaborates on his experience transitioning his firm's dealer to Sterling Mutuals and explains what it means to work at an independent firm. Evan also shares insights into his business practices and his plans for the podcast and his YouTube channel over the summer.Email Evan at hello@evanneufeld...2024-06-1228 minTrust the Plan Podcast with Nick Hopwood, CFP® and Jim Pilat, CFP®EP 231: The Brokerage Blueprint: Key Steps to Early Retirement SuccessJoin Nick Hopwood, CFP® and Jim Pilat, CFP® on the Trust the Plan Podcast as they delve into the crucial role of brokerage accounts.
In this insightful episode, Nick and Jim illuminate the importance of strategic financial planning and how leveraging brokerage accounts can pave the way to financial independence.
From investment strategies to navigating market fluctuations, they provide invaluable advice and actionable tips for listeners eager to take control of their financial future.
Tune in and empower yourself with the knowledge to trust the plan and secure your path to early retirement....2024-06-1007 minEarly Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)How Much Should I Be Saving To Retire Early?Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereReady to redefine the concept of retirement? My latest broadcast delves into the exhilarating world of early retirement planning, promising a treasure trove of strategies for seizing control over your work life — before the traditional retirement age calls your name. You’ll be introduced to the Early Retirement Academy, a beacon of hope for those aiming to navigate the financial seas with confidence, all set to cast off its...2024-05-2720 minEarly Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)4 Steps To Determine When You Can Retire EarlyCreate Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereReady to redefine your golden years and gain the freedom to live on your own terms? Join me, Ari Taublieb, a certified financial planner and your guide through the intricacies of early retirement. This episode of the Early Retirement Podcast is a treasure trove of insights, providing a checklist for assessing your readiness to retire early. It's not just about having enough money; it's about envisioning your life's...2024-05-1322 min