Shows
RETIREMENT MADE EASYThe Social Security Surprises That Could Cost You ThousandsMost people treat Social Security as a fixed outcome, just another box to check when retirement arrives. Select an age, complete the form, and proceed. But the truth is, your choices around Social Security can unlock, or quietly erase, tens of thousands of dollars over time. The timing of your claim, whether you’re still working, your marital history, even how you coordinate with your spouse’s benefit… it all matters. And yet, plenty of financial advisors either avoid the topic or admit they don’t know how the system works. That leaves you on your own to navig...2025-06-3033 minRETIREMENT MADE EASYWhat That New Tax Bill Really Means for Your RetirementMost people nearing retirement aren’t thinking about tax legislation; they’re focused on their savings, Social Security timing, or making sure their lifestyle doesn’t outlive their money. But what if a single bill quietly reshapes the rules you’ve been planning around? In this episode, I break down a new piece of legislation that’s generating significant political buzz but concealing some far-reaching implications for retirees and pre-retirees alike. If you’ve heard soundbites about “the biggest tax cut in history,” you might assume you’re in for a windfall. The truth? It’s a lot more nuanced and more tem...2025-06-1537 minRETIREMENT MADE EASYThe Overlooked Truths About Your Retirement PaycheckMost people heading into retirement think they’ve got it covered: a pension, some savings, maybe Social Security. But what if the things they’re counting on are either misunderstood or dangerously overestimated? This episode sheds light on a few hard-hitting truths that most folks never hear until it’s too late. Retirement income isn’t just about how much you have, it’s about how that income behaves over time, and how taxes, inflation, and planning gaps quietly erode the security you thought you had. As I walk through the mechanics of Social Security, from its inflation...2025-05-3025 minRETIREMENT MADE EASYWhy Some Retirement Products Can Trap Your Savings (and What to Watch For)Most people who are gearing up for retirement are heads-down focused on building savings. But there’s one important thing they don’t consider: what happens to your money once it’s “locked away” in certain retirement products. In this episode, Gregg Gonzalez digs into annuities - what they are, why they’re sometimes pitched so hard, and how they can quietly trap your savings if you're not careful. If you’re just assuming a big 401(k) or IRA balance will mean total freedom in retirement, it’s time for a closer look. He breaks down the four types of an...2025-05-1536 minRETIREMENT MADE EASYHow Real People Nail RetirementRetirement doesn’t come with a universal playbook, but you can learn a lot from people who’ve already been through it. Gregg shares stories from real clients that reveal what quietly sets the most successful retirees apart. These aren’t surface-level tips, they’re patterns that show up again and again in the lives of people who’ve built the kind of retirement others only hope for. The episode highlights three strategies that create a strong foundation: keeping cash accessible for both the unexpected and the inevitable, setting personal goals that matter to you (not just sound impr...2025-04-3031 minRETIREMENT MADE EASYThe Questions Your Future Self Wishes You’d Asked Before RetiringYou may believe your retirement is all set, with savings secured and timelines mapped out, but then the questions start flooding in, shaking that sense of certainty. This episode reveals the questions people start asking as retirement gets closer, from Roth conversions and Social Security to how inherited money works.. Gregg walks through questions from listeners and clients that reveal the lesser-known stuff, like why turning 73 or 75 matters way more than you’d expect, what changes if you’re still working, or how one checkbox on a beneficiary form can shift who ends up with your money. Ther...2025-04-2033 minRETIREMENT MADE EASYThe Ins & Outs of Roth ConversionsRetirees usually think the tax decisions are done once they stop working. But the truth is, many are sitting on large pre-tax balances that can quietly lead to bigger tax bills later—especially when required minimum distributions kick in or a spouse passes away. It's not just about saving money, it's about how that money is taxed when you actually need to use it. Roth conversions offer a way to shift those tax liabilities earlier, on your terms. I explain when that tradeoff makes sense and when it doesn’t, using clear, real-world examples. You’ll hear how a...2025-04-0131 minRETIREMENT MADE EASYWhy Your Retirement Savings Feels Unstable (And What to Do About It)Most people don’t think about market swings until their retirement accounts take a hit. If your 401(k) balance is dropping or you’re feeling uneasy, you’re not alone. Recent shifts, fueled by tariff changes and global uncertainty, have left many wondering what to do next. But you don’t have to ride this out blindly. We break down why this is happening, how it impacts your savings, and what you can do to stay on track. Some investors take on more risk than they realize, and waiting too long to adjust can cost them. Knowing how to m...2025-03-1632 minRETIREMENT MADE EASYThe Retirement Blind Spot: What Most People Overlook Before Leaving WorkMost people heading into retirement focus on the numbers—savings, pensions, Social Security, and investments. But the biggest risk isn’t always financial. The way you think about retirement can shape your entire experience, and too often, blind spots get in the way of a smooth transition. Conversations with pre-retirees show just how much mindset influences confidence, decision-making, and even long-term security. Common concerns like running out of money, healthcare costs, and inflation are valid, but they’re not always the biggest threats. Shifting focus can reveal risks that were never even on the radar. With the right...2025-02-2831 minRETIREMENT MADE EASYRetirement Pitfalls: Costly Money Moves You Don’t See ComingMost people assume that if they’ve saved diligently, their retirement is secure. But the reality is that certain financial decisions—ones that seem harmless or even smart in the moment—can quietly erode your long-term security. Whether it’s taking on unexpected debt, mismanaging investments, or making emotional money moves, these mistakes can cost retirees tens (or even hundreds) of thousands of dollars over time. Today, we uncover some of the most common and costly retirement pitfalls that people don’t see coming. From high-interest home equity loans to over-investing in trendy stocks, we break down why these...2025-02-1632 minRETIREMENT MADE EASYRetirement Withdrawals: How to Make Your Money LastHow do you turn your retirement savings into a steady paycheck that lasts? I’ve had a lot of questions about this lately—and for good reason. Without a well-thought-out withdrawal plan, people risk running out of money too soon, paying more in taxes than necessary, or simply feeling uncertain about how to manage their nest egg. Shifting from saving to spending isn’t always easy, and I want to help people feel confident in their approach. That’s why I like to keep things simple and intentional. In this episode, I’ll walk through a practical way to org...2025-01-3132 minRETIREMENT MADE EASYListener Questions: Tips for a Smarter RetirementAre you or someone you love a teacher, firefighter, or government worker? If so, you might be impacted by two little-known Social Security provisions—the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO). These rules have reduced or even eliminated Social Security benefits for millions of hardworking Americans. But change is finally here. The Social Security Fairness Act could make a massive difference for retirees like you. Today, we’re breaking down what this legislation means, who it impacts, and how it could completely transform your retirement. Plus, I’ll answer your listener questi...2025-01-1638 minRETIREMENT MADE EASYReflecting on 3 Lessons I Learned from Clients in 2024Retirement is one of the biggest milestones in life, and for many, 2025 and 2026 will mark the beginning of this long-awaited chapter. As portfolios have outperformed expectations, more people are realizing their retirement dreams sooner than planned. In this episode, I’ll share inspiring client stories, practical lessons from 2024, and key insights to help you prepare for your own journey. From understanding why bonuses matter more than you think to exploring the power of legacy planning, we’ll cover the essential strategies to navigate retirement with confidence. Whether you’re nearing retirement or just starting to plan, t...2024-12-3026 minRETIREMENT MADE EASYImportant Year-End Tax PlanningAs the year comes to a close, it’s the perfect time to review your financial strategy and make the most of every opportunity to optimize your tax situation. In this episode of Retirement Made Easy, we’re diving into practical, actionable year-end tax planning tips to help you finish the year strong. You’ll learn how tax-loss harvesting can save you money, when a Roth conversion might be a smart move, and how charitable giving, 529 plans, and IRA contributions could work in your favor. We’ll also cover key considerations for retirees and why taking a close loo...2024-12-1519 minRETIREMENT MADE EASYThe Changes Coming to IRAs and 401Ks in 2025Curious about the changes coming to IRAs and 401Ks in 2025? In this episode of Retirement Made Easy, we’re breaking down the latest updates to help you plan your retirement strategy. Learn about the new contribution limits for IRAs, Roth IRAs, and 401Ks, including special allowances for those aged 60–63. We’ll also cover updated income limits for Roth IRAs, automatic enrollment in 401Ks, and reduced penalties for missed required minimum distributions (RMDs) on inherited IRAs. Don’t miss this essential guide to staying ahead of the curve and making the most of your retirement savings! You will want to...2024-11-3021 minRETIREMENT MADE EASYAddressing Social Security’s Cost-of-Living Adjustment for 2025, Ep #175In this episode of the Retirement Made Easy Podcast, we dive deep into the 2025 Cost-of-Living Adjustment (COLA) for Social Security. We break down how the COLA works and what it means for your retirement planning. With the 2025 COLA coming in at 2.5%, we explore how this adjustment could affect your benefits—whether you’re still working or already collecting Social Security. We also discuss the projected rise in Medicare Part B premiums and why it’s crucial to plan conservatively for future costs. Tune in to discover how the COLA can be a powerful tool in your ret...2024-11-1524 minRETIREMENT MADE EASYCalculating How Much You’ll Spend in Retirement, Ep #174One of the biggest questions people have about retirement planning is: “Will I have enough saved?” This episode of Retirement Made Easy dives into just that—how to determine the “magic number” you’ll need to retire comfortably and securely. From evaluating your current expenses to assessing your future goals, we will start to cover all the bases to help you calculate your retirement needs with confidence. Whether you're thinking about traveling, leaving a legacy for your loved ones, or simply covering the basics, this episode offers practical steps to ensure your money lasts through retirement, no...2024-11-0123 minRETIREMENT MADE EASYHow Do You Tackle Healthcare Planning in Retirement?When it comes to retirement, healthcare planning isn’t just an afterthought—it’s one of the most important decisions you’ll make. Will your current savings cover future healthcare expenses? How will you bridge the gap if you retire before Medicare kicks in? Without a solid plan, unexpected medical costs could delay your dream retirement. In Episode #173, we break down the key questions and strategies you need to consider to stay ahead of healthcare challenges in retirement. Whether you’re planning for your own retirement or helping a spouse navigate Medicare options, this episode will arm you with t...2024-10-1534 min
RETIREMENT MADE EASYListener Questions: Surviving Retirement EditionGetting through retirement while being able to pay all of your expenses is the goal. But how do you make it happen? You’ll have to make decisions before and during retirement that will impact whether or not it’s successful. I answer some questions directly related to financially surviving retirement in this episode of Retirement Made Easy. You will want to hear this episode if you are interested in... [1:46] Question #1: Should you build an expected inheritance into your plan? [5:19] Question #2: How can you calculate costs in retirement? [8:24] Question #3: How does disability work with life insurance? [10:25] Questio...2024-09-3019 minRETIREMENT MADE EASYListener Questions: Roth Conversions, Early Withdrawal Penalties, and Capital Gains, Ep #171When are the best times for Roth conversions? Should you invest in a target-date fund? Can you avoid the 10% early withdrawal penalty? These are just a few of the questions I’ll tackle in this special Listener Questions edition of Retirement Made Easy! Preparing for retirement is complicated at best. I want to make sure I’m consistently answering the questions that are top of mind for my listeners. So if you have a question, head on over to RetirementMadeEasyPodcast.com and submit one! You will want to hear this episode if you are interested in...2024-09-1630 minRETIREMENT MADE EASYThe Truths About Social Security Part II, Ep #170When should you claim your Social Security benefits? What do benefits look like for teachers who contribute to Teacher Retirement Systems? What is the survivor step-up strategy? In this episode of Retirement Made Easy, we’ll dive into some of the more complex areas of Social Security that people need to know about but are rarely told. You will want to hear this episode if you are interested in... [1:48] Check out our website for some FREE resources [2:27] Should you claim sooner or later? [6:19] The way Social Security is taxed [8:51] The GPO or WEP rules for survivor ben...2024-08-3129 minRETIREMENT MADE EASYThe Truths About Social Security Part ISocial Security can be difficult to understand. The rules can be difficult to decipher. Answers are nearly impossible to find. This leaves most people frustrated and confused. In this episode, I’m going to separate the truths from the many rumors you often hear and help you build your knowledge about Social Security. My goal is for you to walk away more informed about your future. Don’t miss it. You will want to hear this episode if you are interested in... [0:34] Make sure you follow our YouTube channel! [4:17] How do you earn a Social...2024-08-1630 minRETIREMENT MADE EASY5 Retirement Lessons for 20242024 has already been full of many in-depth conversations with current and prospective clients. There have been some common threads among most of those conversations. From those common threads, I’ve pulled five lessons that we can all learn and benefit from when planning for retirement. Listen to this episode of Retirement Made Easy to learn what they are! You will want to hear this episode if you are interested in... [2:41] Lesson #1: Be careful who you get advice from [8:42] Lesson #2: Invest in line with your risk tolerance [12:29] Lesson #3: Make sure you have the details right [16:18] Lesson #4: Don’t be...2024-07-3124 minRETIREMENT MADE EASY401K Loans: The Pros and ConsLately, I’ve been getting a lot of questions about 401K loans and whether or not they’re worth it. People are asking things like, “How do you take out the loan? How does paying it back work? Should we ever consider it? What are our other options?” I’m a financial planner. My job is to give you all of the information necessary so you can make informed decisions. Because at the end of the day, these decisions are yours. So, in this episode of the Retirement Made Easy podcast, I’m going to give you the full pict...2024-07-2225 min
RETIREMENT MADE EASYListener Questions: Clearing Up Confusing Retirement TopicsPeople often ask me where they should retire. Should they relocate to a new city or state? Most people assume when they retire that they need to move to make the most of their income. But the answer isn’t clear-cut. Everyone has different preferences. In this episode of Retirement Made Easy, I’ll dive into some of the factors you should consider to make that decision. I’ll also cover a few areas of retirement planning that have most people confused and shed some light on the situation. Don’t miss it! You will wa...2024-06-3024 minRETIREMENT MADE EASYCan You Retire at 60 with $1 Million Saved?“I’m 60 years old and have $1 million saved. Do I have enough to retire?” I had a conversation with someone who had saved over $1 million and had been told he could retire. So he did retire—and completely regretted it. He wishes someone had told him to wait longer. Sadly, $1 million doesn’t go that far anymore. Too many people answering this question neglect to address all of the factors that influence whether or not you’ve saved enough to retire. In this episode of the Retirement Made Easy podcast, I’ll dive into some of the factors you...2024-06-1825 minRETIREMENT MADE EASY7 Steps to Retirement SecurityOver the last two months, we’ve had close to 8 people contact us to put together a retirement plan because they’re fearful of being downsized. If they got laid off, could they afford to retire? People are looking for peace of mind and a retirement plan helps cover the what-ifs in life. Tom Hegna wrote the book, “Don’t Worry, Retire Happy.” In it, he brings up some good points when it comes to retirement planning and what to be aware of. I tweaked his methodology to make it my own. So in this episode of the Retirem...2024-05-2021 minRETIREMENT MADE EASYAvoid These 7 Retirement Mistakes (Or You’ll Regret it Forever), Ep #163I’ve been helping people plan for their dream retirement for the last 16 years. I’ve nearly heard it all. I’ve had to tell people they can’t retire yet or that they have to save far more than they planned. The people who make these mistakes derail their retirement and jeopardize their success. I detail the top 7 mistakes I see that you’ll regret forever in this episode of the Retirement Made Easy Podcast! You will want to hear this episode if you are interested in... [4:05] Mistake #1: Borrowing from a 401k [8:06] Mistake #2: Planning to work indefi...2024-04-3028 min
RETIREMENT MADE EASYGreatest Hits: Retirement Made Easy’s 5 Most Downloaded EpisodesI’ve recorded over 160 episodes since the Retirement Made Easy podcast launched. In this special “Greatest Hits” episode of the Retirement Made Easy podcast, I’ll share snippets from the 5 most downloaded episodes. They include some of my best advice for navigating retirement preparation, so you can live out the retirement of your dreams. Have an idea for a future episode topic? Do you have a question you need answered? Feel free to submit your questions to me at RetirementMadeEasyPodcast.com! You will want to hear this episode if you are interested in... [0:33] The 5 Most Down...2024-04-1635 minRETIREMENT MADE EASYHow Election Years Impact the Stock MarketDo election years impact the stock market? If so, how? We know that election years introduce a rollercoaster of emotions for a variety of reasons. Those emotions tend to influence the stock market and the decisions individual investors make. So in this episode of Retirement Made Easy, I’ll share how the market responds to election years—and what you should do about it. You will want to hear this episode if you are interested in... [2:00] Head to RetirementMadeEasyPodcast.com! [2:53] Election years are a roller-coaster ride of emotions [7:58] The presidential cycles and the stock market [11:36] How the sto...2024-03-3119 minRETIREMENT MADE EASYBest Listener Questions of 2023In this special episode of the Retirement Made Easy podcast, I revisit some of the most commonly asked—and popular—questions from 2023. We’ll tackle everything from capital gains tax to tax mapping for my clients. As tax-filing season comes to an end, these are some important things to keep in mind. Give it a listen! You will want to hear this episode if you are interested in... [1:33] Question #1: How does a capital gains tax work? [3:39] Question #2: Did contribution limits increase? [5:20] Question #3: How does the gift tax exclusion work? [8:09] Question #4: How do you convert a beneficiary IRA? [11...2024-03-1715 min
RETIREMENT MADE EASYSocial Security Claiming StrategiesWhat factors go into the social security claiming decision? How do strategies differ based on your age, health, and marital status? Where do you even start? Social security planning is often neglected—or at the very least not given the attention it deserves. In this episode of the Retirement Made Easy podcast, I hope to start the conversation about Social Security claiming strategies. I want each of you to be able to make an informed decision with your financial planner. Hit the play button to learn more! You will want to hear this episode if you...2024-02-2923 minRETIREMENT MADE EASYA Little-Known Social Security StrategyWhat happens if you start collecting Social Security payments but feel like you’ve made a mistake or taken it too early? Did you know that you can stop or suspend the benefits? Secondly, when you start collecting Social Security there’s an option for a lump-sum payment. Learn more about this little-known Social Security strategy in this episode of Retirement Made Easy! And as a bonus, I’ll answer three listener questions! You will want to hear this episode if you are interested in... [2:08] Submit a question at RetirementMadeEasyPodcast.com! [6:19] Using Subsidies for Retirement Plans to Fix...2024-02-1528 minRETIREMENT MADE EASY10 Retirement Planning Mistakes You Shouldn’t MakeMost “Top 10 Mistakes You’re Making in Retirement” articles are vague, mostly common sense, and of little use to their readers. And when you read these articles, you have to consider the source. A bank is never going to tell you that having debt in your retirement is a mistake because they want to sell you loans! I wanted to share mistakes that I see every single day working in my firm—mistakes that you won’t find in most articles. 90% of our clients are 55 and older working toward their dream retirement. I’ve seen it all. So in this e...2024-01-3127 minRETIREMENT MADE EASYThe Need-to-Know Basics of Required Minimum DistributionsWhat are required minimum distributions (RMDs)? How will they impact you? How do we account for them? Too many financial advisors neglect to help their clients plan for RMDs. I am not one of them. I cover the basics that you need to know in this episode of Retirement Made Easy. You will want to hear this episode if you are interested in... [1:54] Carefully choose the people you take advice from [5:29] Something you need to know about 401ks [9:47] The basics of required minimum distributions [13:28] Why you want to work with a professional [15:22] The various ways you c...2024-01-1724 minRETIREMENT MADE EASYListener Questions: Taxes, Pensions, and Beneficiary IRAsLet’s wrap up 2023—and kick off 2024—with another round of your questions, answered! In this episode of the Retirement Made Easy podcast, I’ll answer six listener questions, covering everything from how severance pay is taxed to how the pop-up feature on pensions work. I’ll also share my thoughts on what 2024 has in store. Give it a listen! You will want to hear this episode if you are interested in... [2:07] Question #1: What happens to unvested 401k money? [5:31] Question #2: How is severance pay taxed? [7:38] Question #3: What is the outlook for 2024? [12:22] Question #4: What is the pop-up feature on...2023-12-3124 minRETIREMENT MADE EASYListener Questions: 5 Ways to Prepare for RetirementWhat are 5 ways you can prepare for retirement? Why can actively managed funds be risky in retirement? How does a divorce impact your social security? In the last two episodes of 2023, I plan on answering some amazing listener questions, including these. Listen to this episode of Retirement Made Easy for some rapid-fire answers to your questions. You will want to hear this episode if you are interested in... [2:40] Question #1: 5 Ways to prepare for retirement [7:02] Question #2: The risks of actively managed funds [10:56] Question #3: Customer service should be top priority [12:44] Question #4: How does a divorce impact social security? [15:41] Que...2023-12-1521 minRETIREMENT MADE EASYAre We Heading into a Recession in 2024?I’ve received numerous questions all running along the same theme: Are we heading into a recession? What would it mean for the stock market moving forward? How will it impact your retirement? Many of you are concerned that we’ll be entering a recession in 2024. In this episode of the Retirement Made Easy podcast, I’ll cover what a recession is, the trends we’re seeing, and what the stock market teaches us about investing. Don’t miss it! You will want to hear this episode if you are interested in... [0:43] Check out RetirementMadeEasyPodcast.com! [3:02] Are we on t...2023-11-3021 minRETIREMENT MADE EASYThe Importance of Developing a Retirement Blueprint with Your SpouseAre you on the same page as your spouse when it comes to retirement planning? Do you both understand your retirement plan? Even if one of you handles the finances, both of you need to understand the ins and outs of your retirement plan. It’s inherently important. How do we develop a plan that everyone understands that makes sense? That’s what I’ll cover in this episode of Retirement Made Easy. You will want to hear this episode if you are interested in... [4:21] Why your spouse needs to be involved in retirement planning [6:36] Why you nee...2023-11-1524 minRETIREMENT MADE EASYQuestioning the “What Ifs” Might Save Your RetirementWhat could go wrong in retirement? What if the “what-ifs” become realities? How will it impact your 30-year retirement? We don’t know what the future holds which is why it’s important to think about the variables. There will be things outside your control but you can reduce risks by taking retirement planning seriously. No one plans on “failing” at retirement but many people fail to plan ahead of time. But the choices you make will have long-lasting implications. You need a game plan in place. In this episode of Retirement Made Easy, I talk about some of the “wha...2023-10-3126 minRETIREMENT MADE EASYWhat Social Security Isn’t Telling YouSocial Security isn’t likely intentionally misleading us but they are leaving out some details that every person contemplating retirement needs to know. Social Security announced the cost of living adjustment for 2024: 3.2%. This will go into effect 1/1/2024. However, your benefit won’t likely go up the full 3.2%. Why? I’ll share the answer in this episode of Retirement Made Easy. You will want to hear this episode if you are interested in... [1:48] Check out RetirementMadeEasyPodcast.com! [2:47] The cost of living adjustment and Medicare Part B [10:03] Social Security benefits will be cut [15:04] Social Security benefits won’t likely cover...2023-10-1922 minRETIREMENT MADE EASYListener Questions: General “Rules”What is the assumed life expectancy for retirement? What accounts can you open for your grandchildren? Should everyone follow the 60/40 rule? The questions have been rolling in! So in this episode of the Retirement Made Easy podcast, I’ll answer some questions and give you a starting place for a conversation with your retirement planner. You will want to hear this episode if you are interested in... [3:09] Question #1: What is the assumed life expectancy for retirement? [6:22] Question #2: Why not follow the 60/40 rule for investments? [12:01] Question #3: Should you use numerous professionals—or one? [15:38] Question #4: What accounts can you o...2023-09-2822 minRETIREMENT MADE EASYBeneficiary Planning: Important Questions to ConsiderWhere do you want your assets to go when you’re no longer here? I know it may seem morbid, but this is an important part of retirement planning that most people neglect. But the heart of the matter is your family. What do you want to leave behind? Or do you want to leave money to your favorite charities? Doing what I do for a living, I have these tough conversations every day. It’s my job to make recommendations to make sure your wishes are carried out seamlessly and tax-efficiently. In this episode of the Retir...2023-09-0520 minRETIREMENT MADE EASYMedicare Planning 101In 2019, there were 61.5 million people on Medicare. By 2027, it’s estimated that 75 million Americans will be on Medicare. That’s just four years from now. The #1 reason that people push off retirement is because health insurance is too expensive. Do you know what you’ll be paying for health insurance when you retire and get on Medicare? Medicare is multi-faceted. It can be complicated to understand. So in this episode of Retirement Made Easy, I’ll break down the very basics of Medicare planning to help you make a more informed decision about your retirement. You will w...2023-08-2521 minRETIREMENT MADE EASYHow Saving for Retirement May Change in 2024How will things change for those saving for retirement in 2024? What is the estimated cost of living adjustment going to be? Do you think you’re on track for a comfortable retirement? These are the questions I discuss in this episode of the Retirement Made Easy podcast. If you’re planning for your dream retirement, these are things you need to know. Don’t miss it! You will want to hear this episode if you are interested in... [1:37] Check out RetirementMadeEasyPodcast.com [2:20] Changes to the catch-up contribution in 2024 [8:50] How much should you save for retirement? [12:45] The estimat...2023-08-0524 minRETIREMENT MADE EASYThe Level of Detail Required in a Great Retirement PlanWhat will make or break your retirement plan? What makes a plan weak or unrealistic? What needs to be factored into the overall strategy? How do we build a great retirement plan? A retirement plan isn’t just reviewing your investment statements. A far greater level of detail is required to make sure your dream retirement isn’t just a dream—but a reality. So in this episode of Retirement Made Easy, I share a high-level overview of what we do to build a great retirement plan. You will want to hear this episode if you are interes...2023-07-2027 minRETIREMENT MADE EASYListener Questions: Rapidfire EditionCan you convert a beneficiary IRA to a Roth IRA? Can you roll a 401k into a 403B? What about alternative investments—are they worth the risk? The questions have been rolling in, so in this episode of the Retirement Made Easy podcast, I’m tackling some of the most asked questions I’ve received. Don’t miss it! You will want to hear this episode if you are interested in... [4:19] Question #1: Can you convert an inherited IRA to a Roth IRA? [7:44] Question #2: Can you roll a 401k into a 403B? [12:45] Question #3: Are alternative investments risky? [15:49] Question...2023-06-3024 minRETIREMENT MADE EASYThe Basics of Managing Your Retirement IncomeI’ve had numerous people ask me about managing their income in retirement. Your income in retirement will be different from everyone else’s, unique to you. But what sources can you draw from? What will it look like? How do you plan for it? Where can you go wrong? I’ll start to dissect each of these topics in this episode of Retirement Made Easy. I’ll lay out some of the important things you need to keep in mind as you manage your retirement income. Check it out! #Retire #Retirement #RetirementPlanning #RetirementPlan #FinancialFreedom #investing...2023-06-2223 minRETIREMENT MADE EASYDon’t Let Your Emotions Derail Your Retirement, Ep #142Emotions are often the drivers of our financial decisions. This year we’ve seen record inflation. The Fed continues to raise interest rates. There is a banking crisis. Then there’s the discussion of whether or not we’re in a recession. Many people have wiped their savings and emergency funds and have held them as cash because they’re worried their bank or credit union might fail. 2024 is another election year. But a lot of this is noise. The market will always fluctuate because of numerous factors. As a financial planner, when short-term concerns arise, it’s my job t...2023-05-2624 minRETIREMENT MADE EASYThe Ins and Outs of 401k Plans: Part IEveryone is likely familiar with 401k plans and many people have them through an employer. But do you know anything beyond the very basics? Does your company offer a match (and do you know how it works)? Do you know how much your plan costs or what your balance is? In this episode of Retirement Made Easy, I’m going to start covering some of the ins and outs of 401k plans. My hope is that you’ll gain a better understanding of something so important to a successful retirement. You will want to hear this episode if yo...2023-05-1127 minRETIREMENT MADE EASYWhere Tax Planning Fits in Retirement PlanningTax planning is different when you’re retired versus during your working years. It also changes from state to state. Some states are more tax-friendly than others. That’s why many people retire in Florida, Tennessee, and Texas. Taxes matter in the decisions that we make. However, you can take tax planning too far. In this episode of the Retirement Made Easy podcast, I cover assessing the quality of your assets, why you can’t let taxes dictate everything you do, and something to watch out for when you choose a financial planner. You will want to hear thi...2023-04-2526 minRETIREMENT MADE EASYRetirement Replay: IRA Mistakes that Will Cost You, Ep #133The beginning of a new year is a great time to review what you should and shouldn’t be doing. That’s why in this special retirement replay edition of the Retirement Made Easy podcast, we’re revisiting episode #110: The Great 8 IRA Mistakes that WILL Cost You Money. This episode covers 8 things you should be mindful of as we dive into 2023: If you’re a non-working spouse, take advantage of the spousal IRA option that’s available to you (you and your spouse can each contribute up to $7,000 per year. Did you know that you don’t have to take require...2023-01-1922 minRETIREMENT MADE EASYThe Tax Implications of Gift-Getting and Gift-Giving, Ep #129How do you gift money to individuals without getting hit with having to pay taxes on the gift? How do you make withdrawals if you’re gifted a beneficiary IRA? What is the most tax-efficient way to carry out charitable giving? These are just a few of the questions that I’ll answer in this special end-of-the-year episode of the Retirement Made Easy podcast! You will want to hear this episode if you are interested in... [1:26] Submit questions at RetirementMadeEasyPodcast.com [2:19] Why pension lump sums are declining [6:50] Gifting money to individual people [14:36] Example #1: The Mega Backdoor Roth [16:48] Example #2: With...2022-12-2224 minRETIREMENT MADE EASYIs Semi-Retirement Right For You? Ep #126Are you ready to retire? Or does the thought of retiring leave you questioning what you’ll spend your time doing? Guess what? Retirement doesn’t have to be all or nothing. In some circumstances, you may want to consider only partially retiring. Why? I share some viable reasons in this episode of the Retirement Made Easy podcast. Don’t miss it! You will want to hear this episode if you are interested in... [1:46] Check out the FREE resources at RetirementMadeEasyPodcast.com [3:32] Reason #1: The cost of health insurance [5:15] Reason #2: An easier transition into retirement [9:05] Reason #3: Put more money into you...2022-12-0119 min
The Financial Advisor’s Edge PodcastLeveraging annual reviews to add value and grow your business. [Episode 27]On this episode of The Financial Advisor's Edge Podcast, a podcast for Financial Advisors and Financial Planners, Jeff, Brad, Jim and Gregg discuss the best way to hold annual reviews and how to add value to your clients while doing them.
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2022-11-2839 minRETIREMENT MADE EASYEnd-of-Year Tax Planning StrategiesThe St. Louis Cardinals broadcaster, Dan McLaughlin, was asked what makes the best professional baseball manager. He believes that the vision of a manager is one of their greatest attributes. They’re not just focused on the present, but looking forward and putting a strategy together based on what’s coming next. When we are talking about end-of-year tax planning, we are looking at the years ahead, too. Why? Because it might change what we do today. So in this episode of the Retirement Made Easy podcast, I’ll share some end-of-year tax planning strategies that you should be...2022-11-2421 minThe Financial Advisor’s Edge Podcast2023 Goal Setting: Setting yourself up to have an amazing year! [Episode 26]On this episode of The Financial Advisor's Edge Podcast, a podcast for Financial Advisors and Financial Planners, Jeff, Brad and Gregg discuss 2023 goal setting and how to set your financial practice up for an amazing year.
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2022-11-2135 minRETIREMENT MADE EASYIdeas to Catch Up Saving for RetirementDo you feel like you’re late to the game? Are you in your 50s and just now seriously looking at what you have saved for retirement? If you feel like you don’t have any hope of reaching the retirement of your dreams, I’m here to tell you that you still can. But it will take some sacrifice. So how do you get caught up saving for retirement? I share some ideas in this episode of the Retirement Made Easy podcast. You will want to hear this episode if you are interested in... [3:42] What to do if you’...2022-11-1721 minRETIREMENT MADE EASYListener Questions: From 401ks to Social Security Benefits for DivorceesThe listener questions have been rolling in so I decided it was time to do another listener Q&A edition of the Retirement Made Easy podcast! In this episode, I cover everything from investing your 401k to health insurance, and capital gains tax to social security spousal benefits for divorcees. Don’t miss this informative episode—I just might answer questions that have been circling in your mind! You will want to hear this episode if you are interested in... [3:55] Listener Question #1: Why should I invest my 401k? [9:45] Listener Question #2: How does the match on a 401k work? [11:40] List...2022-11-1024 minRETIREMENT MADE EASYEvidence that Bonds Aren’t Always a Safe InvestmentIn episode #106 of the Retirement Made Easy podcast, I talked about the risks associated with investing in bonds. I also mentioned a Fidelity® U.S. Bond Index Fund, right? In this episode, I’m going to share an update about this index fund to help you understand how bonds can be risky. I’ll also talk about the #1 contributing factor that can help you retire wealthy. Don’t miss it! You will want to hear this episode if you are interested in... [1:45] An unexpected retirement coaching call [5:38] An update on the Fidelity US Bond Index Fund (FXNAX) [12:32] The #1 indicator o...2022-11-0321 minThe Financial Advisor’s Edge PodcastStatement Shock: Helping clients stick to their long term plans [Episode 23]On this episode of The Financial Advisor's Edge Podcast, a podcast for Financial Advisors and Financial Planners, Brad and Gregg discuss how to discuss statement shock with clients and how to help them stick to their long term plans. Down markets are tough on clients and helping them focus on long term goals is the key to their success.
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2022-10-3137 minThe Financial Advisor’s Edge PodcastEmbracing the grind. Staying focused to enjoy the journey of being a successful advisor [Episode 22]On this episode of The Financial Advisor's Edge Podcast, a podcast for Financial Advisors and Financial Planners, Jeff , Gregg, and Jim talk about the journey of becoming a successful financial advisor and how to find meaning in the wins along the way.
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2022-10-2427 minThe Financial Advisor’s Edge PodcastHow to meet the RIGHT prospects for your financial services business [Episode 21]On this episode of The Financial Advisor's Edge Podcast, a podcast for Financial Advisors and Financial Planners, Jeff, Gregg, and Jim talk about the importance of qualifying prospects so you can spend more time meeting with ideal prospects.
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2022-10-1748 minThe Financial Advisor’s Edge PodcastShould you have an asset minimum in your practice? [Episode 20]On this episode of The Financial Advisor's Edge Podcast, a podcast for Financial Advisors and Financial Planners, Brad and Gregg debate financial advisors setting asset minimums. The pros and cons of each approach.
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2022-10-1051 minRETIREMENT MADE EASY3 Themes that Emerged from my FREE Retirement Coaching CallsI’ve been offering free 30-minute retirement coaching sessions this year and recently, three themes have emerged in these conversations: Whether or not you should keep life insurance once you retire Struggling with losses in your retirement portfolio Legacy planning and beneficiary planning So in this episode of Retirement Made Easy, I’ll cover each of these topics and how you can decide what to do. > You will want to hear this episode if you are interested in... [1:27] How Davis Love III became one of the best golfers [3:31] Three main themes in recent retirement coach...2022-09-2923 minThe Financial Advisor’s Edge PodcastThe First 180 Days - How to build an on-boarding process to create better relationships and generate more referralsOn this episode of The Financial Advisor's Edge Podcast, a podcast for Financial Advisors and Financial Planners, the Gregg, Jeff, and Jim talk about how critical the first 180 days of your client on-boarding is and how to create a process to make clients for life.
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2022-09-2633 min
RETIREMENT MADE EASYThe Basics of Charitable Giving + College Savings PlansDo you have a plan for charitable giving in retirement? What about saving for a grandchild’s college education? Retirement planning goes far deeper than covering your basic bills in retirement—it’s about all of the goals you have. In this episode of the Retirement Made Easy podcast, I’ll cover two things I’m often asked about: charitable giving and college savings plans. Check it out! You will want to hear this episode if you are interested in... [3:21] Check out the resources at RetirementMadeEasyPodcast.com! [5:28] The basics of college savings plans (529 plans) [8:42] The alternative options to a 529 plan...2022-09-1522 minRETIREMENT MADE EASYListener Q&A ReplayWe’ve had so many great questions from listeners that I couldn’t resist another episode where we take a look back at some of the best. From 401k matching to how advisors get paid, this episode of the Retirement Made Easy podcast will recap some important things you want to remember. Check it out! You will want to hear this episode if you are interested in... [1:43] Submit a question at RetirementMadeEasyPodcast.com [3:02] Question #1: How does 401k matching work? [6:58] Question #2: How should you claim your pension? [9:56] Question #3: Why don’t I like Wells Fargo? [13:47] Question #4: How do advisors get paid...2022-08-2519 minRETIREMENT MADE EASYListener Questions: A Roundup of Some FavoritesCan you stop or suspend social security? How do inheritances impact your taxes? How do you pay for Medicare Part B if you’re not on social security? In this episode of the Retirement Made Easy podcast, I revisit some of the best questions from 2022 that are still 100% relevant and timely for today. If you want answers to these questions, don’t miss it! You will want to hear this episode if you are interested in... [1:40] Submit questions at RetirementMadeEasyPodcast.com [3:02] Question #1: Can you stop or suspend social security? [6:08] Question #2: Can you do a Roth conversion with an RMD...2022-08-1818 minRETIREMENT MADE EASYThe Listener Question I’ve Never Been AskedIn this special listener question edition of the Retirement Made Easy podcast, I’ll cover three amazing listener questions plus a bonus question that I’ve never been asked before: Should you sue your financial advisor? Tough question! Listen to this episode to hear my answers! Remember, you can submit your questions at RetirementMadeEasyPodcast.com! You will want to hear this episode if you are interested in... [2:54] Ask me a question at RetirementMadeEasyPodcast.com! [4:18] Question #1: Can you stop or suspend social security? [7:28] Question #2: How do tax payments work with an inherited IRA? [11:57] Question #3: Pay off your house or...2022-08-0422 minThe Financial Advisor’s Edge PodcastUsing seminars to grow your wealth management practice.On this episode of The Financial Advisor's Edge Podcast, a podcast for Financial Advisors and Planners, Brad, Gregg, Jeff, and Jim discuss why you should be hosting seminars and how to hold them if you want to grow your business quickly.
Visit our website at: www.thefinancialadvisorsedge.com
2022-08-0138 min
RETIREMENT MADE EASYTwo Things You Should NEVER DoI recently had a conversation with someone who retired a year ago. Sadly, his financial advisor gave him the worst advice I’ve heard in a long, long time. So in this episode of Retirement Made Easy, I’ll share why it was such poor advice and the two things you should never do. I’ll also answer a couple of listener questions at the end. Don’t miss it! You will want to hear this episode if you are interested in... [3:20] The worst retirement planning advice I’ve heard [10:11] Being armed with knowledge leads to confidence [11:14] Listener Question #1: Wh...2022-07-2921 minThe Financial Advisor’s Edge PodcastHow to convert DIY Investors into great clients!On this episode of The Financial Advisor's Edge Podcast, a podcast for Financial Advisors and Planners, Gregg, Jim, Brad, and Jeff discuss why financial advisors should stop wasting time chasing their non-ideal clients. They share strategies you can deploy in your financial services practice to save time, money, and focus on growing your business the way you want.
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2022-06-2738 minThe Financial Advisor’s Edge PodcastHow to grow your practice in a down market.On this episode of The Financial Advisor's Edge Podcast, a podcast for Financial Advisors and Planners, Jeff, Brad, Gregg, and Jim talk about how to grow your practice in a down market. They also share strategies for communicating with financial planning and investment management clients when the market is dropping.
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2022-06-2035 minRETIREMENT MADE EASYThe Two Types of People Who Fail at RetirementThere are two types of people that fail miserably at retirement. One person is the type that loved their job because it gave them a sense of purpose. The other type is the spender—they struggle to stick to a budget and want an extravagant retirement. What should these two people do to have a successful retirement? Learn more in this episode of the Retirement Made Easy Podcast. You will want to hear this episode if you are interested in... [0:21] Check out RetirementMadeEasyPodcast.com for FREE Resources [4:37] A HUGE congratulations to George and Mary on their retirement! [6:15] Type #1: Those who str...2022-05-2617 min
RETIREMENT MADE EASYRetirement Replay: A Hypothetical Tale of a Retired CoupleIn this special retirement replay, we listen to one of the most popular episodes: “The Retirement Story Everyone NEEDS to Hear.” Why is it so popular? I outline some things you need to know when you’re planning for retirement. Things like the life expectancy of the average 62-year-old, what we can learn from history about inflation, the optimal time to start withdrawing from social security—and how to apply it all to your retirement. Don’t miss this one. > You will want to hear this episode if you are interested in... [1:36] The retirement tale everyone...2022-05-1220 min
RETIREMENT MADE EASYWhat Rate of Return do You Need on Your Investments?The average non-smoking 62-year-old couple has a life expectancy of 30 years (living until age 92). That means the average couple needs to plan for a 30-year retirement. So how do you calculate the Rate of Return (RoR) that you need to make on your investments to fully fund your retirement? Calculating the RoR you need is one of the most crucial elements of retirement planning. You don't want to find yourself out of money and living solely on social security in your late 80s. So in today’s episode of the Retirement Made Easy podcast, we cover why cal...2022-02-2417 minRETIREMENT MADE EASYHow to Maximize Your Social Security BenefitsHow do you factor social security into a retirement plan? What is my process? What do people do wrong with social security because they don’t understand how it works? In this episode of the Retirement Made Easy podcast, my goal is to simplify social security benefits to help you make an informed decision. You will want to hear this episode if you are interested in... [3:15] How to get a FREE retirement assessment [4:25] Social security basics you need to know [8:35] Understanding the cost of living adjustment [11:18] Should you claim your benefit early and reinvest the money? [12:44] The social se...2022-02-1718 minRETIREMENT MADE EASYThe Facts about Part-Time Income in Retirement, Ep #83Should you consider a part-time job when you retire? What about utilizing passive income streams? How does a passive or part-time income in retirement impact your social security benefits? I share some facts about social security benefits in retirement—and how they might be impacted by an income—in this episode of Retirement Made Easy. Don’t miss this one! You will want to hear this episode if you are interested in... [5:57] My thoughts on becoming an Uber driver [7:20] Start with a retirement budget [9:43] The social security income rule [11:11] Are you interested in rental properties? [14:07] Turn what you enjoy i...2022-02-0323 minRETIREMENT MADE EASYRetirement Parachute: How to Plan for Market CrashesYour retirement nest egg has to last the rest of your life. There’s a lot at stake. So what happens when you face an emergency like a market crash? Because crashes are inevitable and a natural part of the cycle, you must plan for them. That’s why you need to get a retirement parachute in place. Learn more about why a retirement plan is so important in this episode of the Retirement Made Easy podcast. You will want to hear this episode if you are interested in... [5:31] Why you need a retirement parachute [7:19] The most common emerge...2022-01-2020 minRETIREMENT MADE EASYRetirement Replay: How Much Money Do You NEED To Retire, Ep #79One of the most common questions asked of financial advisors who specialize in helping people plan for retirement is the main question that makes our services necessary: How much money is needed for an adequate retirement fund? There are a handful of ways to answer the question and I try to walk through them in short order on this replay episode of the podcast. You will want to hear this episode if you are interested in... [3:25] The Retire Inspired Quotient [5:50] Fidelity’s rule of thumb for retirement [8:10] The average 401k balance [11:38] An example where the rule of...2022-01-0518 minRETIREMENT MADE EASYRapid Fire Listener QuestionsI love answering questions from you, my listeners. Each of you has unique situations and goals for your retirement and I understand that sometimes you need to hear someone speak directly to the specifics you’re facing. That’s why I’ve decided to answer listener questions. If you’d like to ask a question of your own, you can submit a question at the website (listed below). This episode I’ll cover as many topics as I can, rapid fire style. You will want to hear this episode if you are interested in... Juan asks about long-term care polic...2021-12-1622 minRETIREMENT MADE EASYRetirement Replay: The Bucket StrategyThis is one of THE most popular episodes I’ve aired—and for good reason. The bucket strategy is an easily understandable approach to retirement savings that actually works. This simple strategy can help you reach your retirement goals. In this throwback of the Retirement Made Easy podcast, we’ll cover the purpose of a rainy-day bucket, how to create a bucket that will sustain your retirement, and a bucket designed just for growth. Don’t miss it! You will want to hear this episode if you are interested in... [1:33] The retirement bucket strategy [3:20] Bucket #1: Your rainy-day...2021-11-1820 minRETIREMENT MADE EASYTwo Crucial Retirement Mistakes to AvoidThere are two crucial mistakes I see people make with their retirement. The sad part is that these mistakes are completely avoidable with proper retirement planning. What are the two retirement mistakes? How can you avoid making them? Learn more in this episode of the Retirement Made Easy podcast! You will want to hear this episode if you are interested in... [4:33] Check out RetirementMadeEasyPodcast.com for free resources [5:14] Mistake #1: Don’t invest all your eggs in one basket [13:54] Mistake #2: Financially relying on your pension Mistake #1: Don’t invest all your eggs in one basket A lot of peop...2021-10-2120 minRETIREMENT MADE EASYQ&A Episode: Estate Planning, Advisor Fees, and Fixed-Risk AnnuitiesListener questions have been pouring in these last few weeks! So in this episode of Retirement Made Easy, I’ll dive into a few more questions that have rolled in. How do advisors get paid? What can you do to help your parents with estate planning to avoid probate court after their deaths? Do no-risk no-fee investments exist—and are they worth it? I answer these questions and more in this episode. Check it out! You will want to hear this episode if you are interested in... [4:04] Questions we’ll cover in this episode [6:26] Question #1: How do advisors get paid...2021-10-1423 minRETIREMENT MADE EASYQ&A Episode: 401ks, IRAs, and Early RetirementIf you roll over your old 401k from a former employer, does your match apply? Can you get around the 10% early withdrawal penalty? If you retire early, should you defer your social security benefits? I answer these questions—and more—in this Q&A edition of the Retirement Made Easy podcast! You will want to hear this episode if you are interested in... [4:18] 401k rollovers, matching, and vesting schedules [8:10] Can you get around the 10% early withdrawal penalty? [11:52] Does the 10% early withdrawal penalty apply to beneficiary IRAs? [16:14] When to claim social security if you’re retiring early 401k rollovers, matchin...2021-10-0722 minRETIREMENT MADE EASYRetirement Planning Begins with a DreamDo you have enough saved to fund your retirement lifestyle and only work if you want to? A lot of people are a few years away from retiring and don’t know if they’re on track to retire. What can you do to expedite your journey toward retirement? According to Napoleon Hill, “What the mind can conceive and believe it can achieve.” I want you to start dreaming. Learn more in this episode of Retirement Made Easy! You will want to hear this episode if you are interested in... [2:45] What is your retirement dream? [9:05] Why it’s crucial to w...2021-09-2317 minRETIREMENT MADE EASYDetails on Medicare Enrollment + The American Families Plan,In this special two-part episode of Retirement Made Easy, I answer a listener’s question about Medicare enrollment. I also talk about the tax proposals that legislators snuck into The American Families Plan and how they could impact you. If you’re nearing retirement this is a can’t-miss episode full of important details. You will want to hear this episode if you are interested in... [1:54] Send me questions at RetirementMadeEasyPodcast.com [5:18] The basics of enrolling in Medicare [10:40] What is a Medicare Advantage Plan? [13:55] Proposed tax changes in The American Families Plan Resources & People Mentioned S...2021-08-1225 minRETIREMENT MADE EASYWhen Should You Claim Your Social Security Benefits Early?A client asked me, “In what scenario would it make sense to claim your social security benefit early (before full retirement age)?” Full retirement is somewhere between age 66 and 67, depending on when you were born. So in this episode of Retirement Made Easy, I’ll share a few scenarios in which it might make sense to take your benefits early. Listen to learn more! You will want to hear this episode if you are interested in... [2:33] The basics of your social security benefit [4:40] Reason #1: You’re single and in poor health [8:07] Reason #2: Your spouse is significantly older [10:25] It all depe...2021-07-1515 minRETIREMENT MADE EASYMy Retirement Blueprint for Your DREAM RetirementI worked with my life coach and business coach to come up with a solution to help you plan the retirement of your dreams: the retirement blueprint. A retirement blueprint is something that very few financial planners talk about, but it’s absolutely crucial to the success of your retirement. It helps you plan for the retirement of your dreams. If you’re ready to design your retirement—and not just retire by default—check out this amazing resource. Listen to this episode of Retirement Made Easy to learn more! You will want to hear this episode if you are...2021-05-1313 minRETIREMENT MADE EASYShould You Roll Your 401k Into an IRA? [The Pros and Cons]Should you roll over your old 4101k into an IRA? Or should you just leave it where it is? What are the advantages and disadvantages? What should you watch out for? If you’ve recently left an employer, you may be questioning what you should do. So in this episode of Retirement Made Easy, I’ll shed some light on the subject. Hopefully, you can take this information and make a better decision for your retirement. You will want to hear this episode if you are interested in... [4:00] Should you roll over your old 4101k? [7:06] Option #1: Leave your 401k wh...2021-05-0619 minRETIREMENT MADE EASYThinking About Investing in Gold? Think AgainShould you consider gold as an investment? In this episode of Retirement Made Easy, I address having gold as part of your portfolio. I’ll share facts, figures, and why I think gold should NOT be part of a long-term investment portfolio. I would actually exclude it if at all possible. Why? Find out in this episode! You will want to hear this episode if you are interested in... [2:50] Gold is simply a commodity [5:05] Is gold a hedge against inflation? [8:15] Gold versus the S&P 500 [10:45] Commodities are taxed differently [13:35] Better investments than gold Gold is a commodity Bu...2021-04-1517 minRETIREMENT MADE EASY3 Steps to Get Back on Track to RetireIf you’re on your journey toward retirement, you’re either on track, behind, or ahead of schedule. Do you know where you’re at? Are you only a few years from retirement, but stuck having to work longer than planned? If you feel behind, how do you catch up? Lisa—a listener of the podcast—recently asked what I would recommend for someone who felt like they weren't on track to retire on time. It’s easier to find out now and fill in the gaps than having to delay retirement. So in this episode of Retirement Made Easy, I shar...2021-04-0818 minRETIREMENT MADE EASYRetirement Date Funds [The Good, the Bad, and the Ugly]When is a retirement date fund appropriate? Who might need one? What are the downfalls of retirement date funds? Many people use these in their 401k or 403B. So in this episode of Retirement Made Easy, I talk about the pros and cons—and why I’m personally not a fan. Don’t miss it! You will want to hear this episode if you are interested in... [2:28] The whole idea behind retirement date funds [7:10] Who retirement date funds work well for [8:18] The downsides of retirement date funds [11:09] Should you keep your retirement date fund? [14:10] Dig a little deeper into yo...2021-04-0117 minRETIREMENT MADE EASYThe Importance of Health Savings Accounts (HSAs)What are health savings accounts (HSAs)? How can an HSA be beneficial to you and your retirement? One of my listeners asked me to cover HSAs, so this episode of Retirement Made Easy is dedicated to them. But if you’re wondering what the big deal about an HSA is, don’t miss this episode! You will want to hear this episode if you are interested in... [1:51] ALL about Health Savings Accounts [3:13] What qualifies as medical expenses? [4:24] HSA funds can be invested [8:52] Why is an HSA important? [10:30] How can an HSA be used? What is an HSA? A he...2021-03-0416 minRETIREMENT MADE EASYWhy You Need a Roth IRA in Your Retirement PortfolioA Roth IRA is THE best thing since sliced bread. Why? Why do I think it needs to be a part of your investment portfolio? How does it positively impact your retirement income? In this episode of Retirement Made Easy, I share why you need to make tax-free investing a bigger piece of the pie. Don’t miss it! You will want to hear this episode if you are interested in... [2:37] Roth IRAs are underutilized [5:22] Tax-free income in retirement [7:48] What if you don’t have a Roth IRA? [10:45] Make tax-free investments a bigger piece of the pie [12:05] Dave Rams...2021-01-2817 minRETIREMENT MADE EASYThe Impact of Increasing Corporate Income Taxes + Taxes on the WealthyWhy are large companies (like Amazon) getting tax breaks while the common man doesn’t? What about the wealthy—should those making more than $400,000 need to pay more in taxes? We are in a low tax environment right now and some people are upset by it. They say that corporations aren’t paying their “Fair Share” in taxes. But what happens if they do have to pay more in taxes? In this episode of Retirement Made Easy, I walk through what it could look like if corporate taxes and taxes on the wealthy were increased. The results won’t be what you...2020-11-2616 minRETIREMENT MADE EASYThe #1 Key to a Successful Retirement StrategyI received a call a few weeks ago from someone who wanted to interview financial advisors to help with their investments. This person asked, “Do all of your clients outperform the S&P 500?” This person assumed that outperforming the S&P 500 was the main objective of a retirement strategy. That is NOT the case. It shouldn’t be your primary financial goal and certainly isn’t the key to a successful retirement. So what is the ONE crucial key—the biggest factor—that leads to a successful retirement strategy? Listen to this episode of Retirement Made Easy to find out! You...2020-10-2219 minRETIREMENT MADE EASYYou Inherited an IRA: Now What?What do you do if you inherit your Mom’s IRA? What if it’s a Roth IRA? How does it have to be distributed? What’s the best way to handle the resources? In this episode of Retirement Made Easy, I’ll let you know how you can handle an inherited IRA (and how the SECURE Act comes into play). You will want to hear this episode if you are interested in... [1:43] How to handle inheriting your Mom’s IRA [5:27] Should you take a withdrawal? [6:30] The impact of the SECURE Act [10:01] Is inheriting a Roth IRA different? [14:11] Other impo...2020-10-0818 minRETIREMENT MADE EASYTop 5 Retirement MythsThere are a lot of myths being perpetuated about retirement that are simply NOT true. These myths may leave the average personed discouraged and disheartened about their future and wondering if they’ll ever retire. How much money do you need? How much will you spend? Will social security still be around? Will taxes be lower? In this debut episode of Retirement Made Easy, I dispel some of the myths around retirement to help you breathe easier—and prepare for your future. You will want to hear this episode if you are interested in… [1:01] Myth #1: You will sp...2020-07-0122 min