Shows
Hawaii Retirement ShowEp.#98: Understanding the SEP-IRA (Simplified Employee Pension)In this episode of The Hawaii Retirement Show, Jason explores the Simplified Employee Pension (SEP-IRA), a flexible, tax-advantaged retirement plan ideal for small business owners and the self-employed. He explains the key benefits, including high contribution limits, ease of setup, and the ability to make discretionary employer-only contributions. Jason also covers eligibility, tax advantages, and common pitfalls like overfunding or missing eligible employees. Whether you're a sole proprietor or part of a small team, this episode offers valuable insights on how a SEP-IRA can simplify retirement planning while maximizing tax benefits.
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2025-11-1926 minHawaii Retirement ShowEp.#97: Beyond the Numbers with Big Wave Surfing Legend Clark AbbeyIn this episode of The Hawaii Retirement Show, Jason sits down with legendary big wave surfer Clark Abbey for an inspiring and wide-ranging conversation about life, legacy, and the ocean. Clark shares stories from growing up in a multi-generational surfing family in Hawai‘i, offering a window into the mindset and discipline it takes to ride some of the world’s most powerful waves.
Clark talks about unforgettable sessions at Waimea Bay, the physical and mental preparation behind big wave surfing, and how Clark continues to stay in peak condition as he gets older. They also explore how...
2025-11-1356 minHawaii Retirement ShowEp.#96: Three-Legged Stool & Retirement Income LeversIn this episode of The Hawaii Retirement Show, Jason explores the "three-legged stool" metaphor for retirement planning, with each leg representing Social Security, pensions, and personal retirement savings. He goes on to explain the concept of "income levers," where each retirement account and income source can be strategically turned on or off to fit your needs. By understanding how and when to draw from each lever, you can better manage taxes, mitigate market risks, and optimize your overall financial health in retirement.
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2025-11-0814 minHawaii Retirement ShowEp.#95: Understanding Hawaii's Economy with Chief Economist Seth ColbyIn this episode of the HI Retirement Show, Jason is joined by Seth Colby, PhD, Hawaii’s Chief Economist, for a wide-ranging conversation about the state’s economic landscape. They explore key data and trends shaping Hawaii’s future, from an aging population and high cost of living to questions of growth and long-term resilience. A thoughtful discussion for anyone interested in understanding the economic forces that impact life and retirement in Hawaii.
Hawaii Economic Association: https://hawaiieconomicassociation.com
Seth Colby Substack: https://substack.com/@sethcolby
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E...
2025-10-3045 minHawaii Retirement ShowEp.#94: When Claiming Social Security Early Makes SenseIn this episode of The Hawaii Retirement Show, Jason explains why filing for Social Security at 62 might actually be the smarter move. He breaks down when claiming early can reduce financial stress, protect your savings, and better fit your health or family situation, showing that the best time to file isn’t always about waiting the longest, but about what works best for your life.
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2025-10-2316 minHawaii Retirement ShowEp.#93: Miscalculating Your FERS Pension & Understanding the FERS Retirement SupplementIn this episode of the HI Retirement Show, Jason tackles a critical issue for federal employees, miscalculating your FERS pension. With the recent federal shutdown top of mind, Jason opens with a quick check-in and a reminder that financial stress can be a great prompt to reassess your emergency savings. Then, he dives deep into how small errors in your FERS pension, like misunderstanding your High-3 salary, incorrect service time, or applying the wrong multiplier, can lead to big surprises in retirement. He also breaks down the often-misunderstood FERS Retirement Supplement, a temporary but valuable bridge to Social Security...
2025-10-1824 minHawaii Retirement ShowEp.#92: Talking Tax Planning with Sean Mullaney, CPAIn this episode of the HI Retirement Show, Jason is joined by Sean Mullaney, an advice-only financial planner and co-author of Tax Planning To and Through Early Retirement. They dive into what effective tax planning looks like over a lifetime, covering key strategies for different phases of life—like Roth conversions, asset location, and tax-loss vs. tax-gain harvesting. A must-listen for anyone looking to better understand how tax planning supports a confident, well-rounded retirement.
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*The discussion is intended to be for general educational pur...
2025-10-101h 02Hawaii Retirement ShowEp.#91: Are You Saving Too Much For Retirement?In this episode of the HI Retirement Show, Jason explores the overlooked problem of saving too much for retirement. Jason breaks down why rigid savings rules and fear-based habits can lead to stress and difficulty spending later in life, and highlights the importance of balance, flexibility, and defining your own sense of “enough.”
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2025-10-0723 minHawaii Retirement ShowEp.#90: Should You Rollover Your Employer Sponsored Retirement Plan (401k, TSP, etc..) to an IRA?In this episode of the HI Retirement Show, Jason explores whether it makes sense to roll over your 401(k), TSP, or other employer retirement plan into an IRA. He covers the key benefits—like simplified finances, more investment options, and greater control over taxes—as well as potential drawbacks, such as losing certain early withdrawal options and creditor protections. Tune in to learn what to consider before making the move.
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2025-10-0525 minHawaii Retirement ShowEp.#89: Estimated Taxes & Withholdings from Retirement Account Distributions.In this episode of the HI Retirement Show, Jason dives into the essential topic of managing tax obligations in retirement. He breaks down how estimated taxes work, when you're required to pay them, and how the IRS’s Safe Harbor provisions can help you avoid underpayment penalties. Jason also explains how to fine-tune your withholdings from Social Security benefits, pensions, and retirement account distributions like TSPs, 401(k)s, and 403(b)s to better align with your total tax liability.
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2025-09-2922 minHawaii Retirement ShowEp.#88: Exploring Investor Biases (Cognitive & Emotional)In this episode of the Hawaii Retirement Show, Jason breaks down the difference between cognitive errors—thinking mistakes rooted in flawed logic or poor information processing—and emotional biases, which stem from feelings, impulses, and intuition. He highlights common pitfalls like conservatism bias, confirmation bias, overconfidence, and loss aversion, explaining how they influence investment decisions and contribute to market anomalies. Jason also shares practical ways to recognize and reduce these biases, from education and systematic strategies to working with an advisor for objectivity. The key takeaway: investing success is not just about numbers, but about managing psychology, discipline, and emot...
2025-09-1317 minHawaii Retirement ShowEp.#87: Taxes in Retirement with Andy Panko, CFP® (Part II)In this episode of The Hawaii Retirement Show, host Jason Cutitta, CFP®, welcomes back Andy Panko, CFP®, RICP®, TPCP®, EA, for a second time to dive into taxes in retirement. They cover a range of important topics, including estate and inheritance taxes, how capital gains tax brackets work, the IRA Pro Rata Rule, the pros and cons of non-deductible IRA vs. taxable brokerage contributions, the deductibility of long-term care premiums, and more!
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2025-08-301h 07Hawaii Retirement ShowEp.#86: A Dynamic Withdrawal Strategy in RetirementIn this episode of the HI Retirement Show, Jason explores dynamic withdrawal strategies and flexible approaches to retirement income that adjust based on market performance, spending needs, and longevity considerations. He explains how these strategies differ from fixed withdrawal methods, highlighting the potential benefits of greater adaptability in uncertain markets. Jason gives a high-level breakdown of the guardrails method while weighing the pros and cons of these strategies. Whether you're nearing retirement or already in it, this episode offers valuable insights on how to create a more resilient income plan.
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2025-08-2418 minHawaii Retirement ShowEp.#85: The Bucket Strategy in Retirement. (Pros, Cons, and Caveats)In this episode of the HI Retirement Show, Jason takes a deep dive into the bucket strategy, a popular retirement income planning approach designed to help retirees manage risk and maintain steady cash flow. He breaks down how the strategy works, including how to structure different “buckets” for short-, medium-, and long-term needs. Jason also explores the advantages and limitations of the bucket approach, as well as how it compares to other withdrawal strategies.
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2025-08-2014 minHawaii Retirement ShowEp.#84: Beyond The Numbers with Kaipo CrowellIn this episode of The Hawaii Retirement Show, Jason is joined by Kaipo Crowell, a former senior civilian leader at Pearl Harbor Naval Shipyard, for a deep and thoughtful conversation that goes beyond the numbers. From reframing wealth, to investing in relationships, health, and time, Kaipo offers lessons rooted in real-life challenges and reflections.
He and Jason explore themes like influence, accountability, goal setting, ego vs. humility, and finding hope during difficult times. It’s a rich, reflective discussion that reminds us all that retirement isn’t just a financial milestone—it’s a mindset, a journey, and an o...
2025-08-1545 minHawaii Retirement ShowEp.#83: The 4% Rule in Retirement. (Pros, Cons, and Caveats)In this episode of the HI Retirement Show, Jason takes a deep dive into the 4% rule, a widely used retirement strategy that helps determine how much you can safely withdraw from your portfolio each year. He unpacks the origins of the rule, explains how it works, and explores how it holds up in today’s market conditions. Jason also highlights key concerns and important considerations to keep in mind when applying the 4% rule to your own retirement plan.
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2025-08-0823 minHawaii Retirement ShowEp.#82: Talking Private Equity with Professor Tray Spilker, PhD, CFAIn this episode of The Hawaii Retirement Show, Jason is joined by Dr. Tray Spilker, Finance Professor at the University of Hawaiʻi’s Shidler College of Business, for a deep dive into the world of private equity. They explore what private equity really is, how it works, and where it fits into the broader investment landscape.
Tray Spilker, PhD, CFA - Latest Research Paper: "Private Equity Fund Performance: A Time-Series Approach".
Official publication (behind paywall): https://www.sciencedirect.com/science/article/abs/pii/S0378426625000901
SSRN version (older version, publicly available): https://papers.ssrn.com/sol3/papers.cfm?abstract...
2025-07-2559 minHawaii Retirement ShowEp.#81: Hawaii Real Estate Update with James ChanIn this episode of the Hawaii Retirement Show, Real Estate Broker James Chan joins us to break down the latest trends in Hawaii’s housing market. We dive into how interest rates are impacting buying and selling decisions, explore the current state of single-family homes, condos, and the luxury market, and discuss whether investing in renovations and repairs is really worth it before selling your home. Plus, we touch on how online platforms like Zillow are shaping buyer expectations and influencing the market. Whether you're thinking of buying, selling, or just staying informed, this is a valuable conversation you wo...
2025-07-1848 minHawaii Retirement ShowEp.#80: Initial Observations & Key Points from the "Big Beautiful Bill".In this episode of the Hawaii Retirement Show, Jason unpacks the recently passed "Big Beautiful Bill". He highlights several key provisions including the temporary raising of the SALT deduction cap, the new “Senior Bonus” deduction, the targeted tax breaks for tip income and overtime pay, and much more.
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2025-07-0617 minHawaii Retirement ShowEp.#79: Rates of Return & Benchmarking | Hawaii Retirement ShowIn this episode of the HI Retirement Show, Jason dives into the fundamentals of rates of return—what they are, how they're calculated, and why they matter for your retirement planning. He also explores the concept of benchmarking, helping you understand how to measure your portfolio’s performance against appropriate standards. Plus, Jason breaks down common misconceptions and mistakes investors make when evaluating returns, giving you the tools to make smarter, more informed decisions for your financial future.
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2025-05-3117 minHawaii Retirement ShowEp.#78: What Hawaii Public Employees Need to Know About EUTF Medical Costs in Retirement | Hawaii Retirement ShowIn this episode of the HI Retirement Show, Jason breaks down what Hawaii State and City & County employees need to know about EUTF medical costs in retirement, highlighting the employer contributions and financial considerations to help you prepare with confidence.
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2025-05-2512 minHawaii Retirement ShowEp.#77: All About 529 Plans & Hawaii Employees New 529 Plan Payroll Contributions | Hawaii Retirement ShowIn this episode of the HI Retirement Show, Jason explores Hawaii's 529 college savings plan and an exciting new benefit for State and City & County employees, automatic payroll deductions directly into the plan. He explains how 529 plans work, the potential tax advantages, and how this new feature makes saving for education easier and more accessible than ever. Whether you're a parent, grandparent, or just planning ahead, you'll learn how to make the most of this powerful tool.
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2025-05-1013 minHawaii Retirement ShowEp.#76: Estate Planning Insights with Stacy Takekawa | Hawaii Retirement ShowIn this episode of the Hawaii Retirement Show, Jason is joined by Estate Planning attorney Stacy Takekawa for an insightful conversation on how estate planning fits into a well-rounded retirement plan. They review the basics of estate planning, discuss how to avoid common pitfalls, and explore how to ensure your wishes are carried out. This a must-listen for anyone preparing for the future.
Stacy Takekawa: stacy@takekawalaw.com | www.takekawalaw.com
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2025-04-261h 16Hawaii Retirement ShowEp.#75: Does An Annuity Fit Within My Financial Plan? Avoiding Annuity Mistakes That Could Cost You. | Hawaii Retirement ShowIn this episode of the HI Retirement Show, Jason takes a closer look at annuities—what they are, how they work, and whether they belong in your financial plan. He also highlights common mistakes to avoid when considering annuities, helping you make more informed decisions about your retirement strategy.
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2025-04-2237 minHawaii Retirement ShowShould I Take My Pension As A Lump Sum? | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, Jason briefly breaks down some things to consider when deciding whether or not to take a pension as a lump sum.
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2025-04-1212 minHawaii Retirement ShowWhat Issues Should I Consider During A Recession Or Market Correction? | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, in light of the recent events, Jason discusses what issues to consider during a recession or market correction.
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2025-04-0514 minHawaii Retirement ShowAm I Eligible For Social Security Benefits If I Have Been Divorced? | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, Jason breaks down the eligibility and other considerations pertaining to social security benefits for divorced individuals.
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2025-04-0208 minHawaii Retirement ShowWhat Does Retirement Mean? And What's A Mini-Retirement? | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, Jason is joined once again by Chris Naffziger to discuss what retirement means in the modern age. Chris also shares his experience in taking a mini-retirement several years ago.
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2025-03-1631 minHawaii Retirement ShowAm I Eligible For Social Security Benefits As A Surviving Spouse? | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, Jason breaks down the Social Security benefits available to surviving spouses. "Survivor Benefit"
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2025-03-0908 minHawaii Retirement ShowCognitive Decline but Confidence Remains | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, Jason discusses how most of us will suffer from cognitive decline as we age, and how this can impact financial decisions. Jason also touches on how our confidence in decision making remains high as we age and the potential role a Single-Premium Immediate Annuity can play in someones financial plan later in life.
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2025-03-0209 minHawaii Retirement ShowBonus Ep: Options for Federal Workers who have resigned or were laid off. | Hawaii Retirement ShowIn this Bonus Episode of the HI Retirement Show, Jason discusses some things to consider for any Federal Workers who have recently resigned or were laid off due to cuts.
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2025-02-2704 minHawaii Retirement ShowAm I Eligible For Social Security Benefits As A Spouse? | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, Jason briefly breaks down the Social Security Spousal benefits and who is eligible to collect them.
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2025-02-2309 minHawaii Retirement ShowEmployer Retirement Account Rollovers & Pro-Rata Rule | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, Jason discusses some things to consider regarding employer retirement account rollovers and the pro-rata rule.
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2025-02-2011 minHawaii Retirement ShowWill My Social Security Benefits Be Reduced? | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, Jason the various ways in which your Social Security benefits may be reduced.
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2025-02-1718 minHawaii Retirement ShowIs My Rental Property Tax Deductible? | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, Jason discusses things to consider as you determine whether or not your rental property expenses are tax deductible.
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2025-02-0214 minHawaii Retirement ShowHealth & Fitness in Retirement with Chris Naffziger | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, Jason is joined by Certified Personal Trainer, Chris Naffziger to discuss health and fitness in retirement.
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2025-01-2640 minHawaii Retirement ShowCan I Make A Backdoor Roth IRA Contribution? | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, Jason discusses the Backdoor Roth IRA.
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2025-01-2011 minHawaii Retirement ShowBonus Ep: Temporary Hazard Pay, State of Hawaii Employee Retirement System | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, Jason briefly talks through some things to consider regarding the State of Hawaii - Employees Retirement System recent Temporary Hazard Pay.
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2025-01-1506 minHawaii Retirement ShowWhat Issues Should I Consider When Reviewing My Beneficiaries? | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, Jason breaks down the Backdoor Roth IRA.
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2025-01-1217 minHawaii Retirement ShowShould I Contribute To My Roth IRA vs. My Traditional IRA? | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, Jason breaks down some considerations when deciding between Roth and Traditional contributions.
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2025-01-0511 minHawaii Retirement ShowWill A Distribution From My Roth IRA Be Tax & Penalty Free?In this Episode of the HI Retirement Show, Jason briefly breaks down how to determine if a distribution from a retirement account will be tax and penalty free.
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2024-12-3111 minHawaii Retirement ShowWill A Distribution From My Traditional IRA Be Penalty-Free?In this Episode of the HI Retirement Show, Jason discusses the 10% penalty on Traditional IRA distributions and some of the exceptions to the penalty.
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2024-12-1011 minHawaii Retirement ShowWhat Issues Should I Consider For My Aging Parents? | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, Jason various issues to consider as it relates to aging parents. This includes issues related to cash flow & living arrangements, estate planning, insurance, tax planning, assets & debts, and more.
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2024-12-0519 minHawaii Retirement ShowCan I Contribute To A Roth IRA?In this Episode of the HI Retirement Show, Jason discusses how to determine whether or not someone can contribute to a Roth IRA.
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2024-12-0212 minHawaii Retirement ShowInflation Adjustment to E.R.S & FERS PensionsIn this Episode of the HI Retirement Show, Jason breaks down the inflation adjustments to the State of Hawaii Employees Retirement System Pension as well as the Federal Employees Retirement System Pension.
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2024-11-2711 minHawaii Retirement ShowSEP-IRA vs Solo401(k)In this Episode of the HI Retirement Show, Jason breaks down the similiarities and differences between the SEP-IRA and the Solo401(k).
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2024-11-2222 minHawaii Retirement ShowCan I Make A Deductible IRA Contribution?In this Episode of the HI Retirement Show, Jason discusses the questions you need to ask to determine whether or not you can make a deductible IRA contribution or not.
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2024-11-2110 minHawaii Retirement ShowFocusing on the Burn vs the EarnIn this Episode of the HI Retirement Show, Jason discusses the importance of not always focusing or chasing down more earnings and instead periodically checking back in on your burn (spending) to effectively better your overall financial position.
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2024-11-1407 minHawaii Retirement ShowVegas Baby! The taxation of gambling winnings.In this Episode of the HI Retirement Show, Jason discusses the taxation of gambling winnings. This includes the reporting requirements of gambling winnings as income, regular gambling withholdings, and deductions for gambling losses.
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2024-11-0610 minHawaii Retirement ShowFERS Unused Sick LeaveIn this Episode of the HI Retirement Show, Jason discusses how unused sick leave is calculated and factored in to your years of service.
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2024-10-2505 minHawaii Retirement ShowCommon Financial Professional Licenses and CertificationsIn this Episode of the HI Retirement Show, Jason discusses the most common financial professional licenses and certifications.
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2024-10-2320 minHawaii Retirement ShowThe Four Factors Impacting Your Credit ScoreIn this Episode of the HI Retirement Show, Jason discusses the four main factors that impact your credit score.
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2024-10-1910 minHawaii Retirement ShowQualified Charitable DistributionsIn this Episode of the HI Retirement Show, Jason breaks down the basics of Qualified Charitable Distributions.
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2024-10-1108 minHawaii Retirement ShowAll About RMDs - Required Minimum Distributions | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, Jason breaks down Required Minimum Distributions. He discusses what they are, when they need to be taken, how they are calculated, and more.
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2024-10-0409 minHawaii Retirement ShowThe Emergency FundIn this Episode of the HI Retirement Show, Jason shares his perspective on having an emergency fund.
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2024-09-2809 minHawaii Retirement ShowFirst Principles Perspective on Life Insurance and AnnuitiesIn this Episode of the HI Retirement Show, Jason briefly breaks down Life Insurance and Annuities to their most basic and fundamental purpose.
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2024-09-2106 min
Hawaii Retirement ShowFERS Survivor Annuity Elections | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, Jason and Paul breakdown the different Survivor Annuity Elections for the FERS pension benefit. This includes the Maximum Survivor Annuity, the Partial Survivor Annuity, the No Survivor Annuity, and a few others.
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2024-02-0912 min
Hawaii Retirement Show20 Most Common Investment Mistakes | Part 2 | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, Jason and Paul discuss the “20 Most Common Investment Mistakes”. per the CFA Institute. In Part-2 of this two part series, they provide valuable insights into common mistakes 11 through 20 on the list.
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2024-02-0226 minHawaii Retirement Show20 Most Common Investment Mistakes | Part 1 | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, Jason and Paul discuss the “20 Most Common Investment Mistakes” per the CFA Institute. In Part-1 of this two part series, they provide valuable insights into common mistakes 1 through 10 on the list.
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2024-01-2728 minHawaii Retirement ShowQ&A: What is a Sweep account? What are some plans to look into to set up my child’s college fund?Q&A Episode #5: What is a Sweep account? What are some plans to look into to set up my child’s college fund?
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2024-01-1914 minHawaii Retirement ShowHow Much Do I Need To Retire? | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, Jason and Paul discuss one way of figuring out how much you need to retire. They talk through the assumptions that need to be made, how to figure out your projected expenses in retirement, analyzing your inflation adjusted lifetime income such as Social Security or a Pension, and then talking through how your retirement accounts fit into the retirement equation.
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2024-01-1222 minHawaii Retirement ShowBonus Episode: Hawaii Island Savings Plan, 457 - ROTH UpdateIn this Bonus Episode of the HI Retirement Show, Jason and Paul breakdown the recent ROTH update to the State of Hawaii’s 457, Island Savings Plan.
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2024-01-1005 minHawaii Retirement Show2023 Holiday EpisodeIn this Holiday Episode of the HI Retirement Show, Jason and Paul discuss ways to not overspend, charitable giving, and find the best deals during the holiday season. They also touch on using this time of year to reflect and appreciate those closest to us.
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2023-12-2214 minHawaii Retirement ShowIntroduction to Social SecurityIn this Episode of the HI Retirement Show, Jason and Paul provide our listeners with an introduction to Social Security. Their conversation covers a few historical and current facts, who qualifies for Social Security, when you can collect your benefit, how much your benefit will be reduced or increased depending on when you claim, the importance of setting up your ssa.gov account, and how Social Security fits into a retirement plan.
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2023-12-1518 minHawaii Retirement ShowTalking Taxes in Retirement with Andy Panko, CFP® | Hawaii Retirement ShowIn this Retirement Insights Episode of the HI Retirement Show, Jason and Paul are joined by Andy Panko, CFP® to talk about Taxes in Retirement. The conversation covers a few different ways tax planning fits into retirement planning. They discuss state taxes, the potential taxation of social security, IRMAA (Medicare Surcharges), the use and taxation of brokerage accounts, and having tax diversification in your retirement.
Featuring: Andy Panko - https://www.linkedin.com/in/andypanko/
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2023-12-0840 minHawaii Retirement ShowA Perspective on Interest Rates, Part 2 | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, Jason and Paul discuss the current state of interest rates as it relates to debt/liabilities. Their conversation covers historical interest rates, how long interest rates may last, and things to consider regarding various interest rate environments.
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2023-12-0115 minHawaii Retirement ShowA Perspective on Interest Rates, Part 1 | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, Jason and Paul discuss the current state of interest rates as it relates to assets. Their conversation covers historical interest rates, how long interest rates may last, and things to consider regarding various interest rate environments.
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Email Us: aloha@hiretirementshow.com
2023-11-2812 minHawaii Retirement ShowFederal Employee Retirement System (FERS) Computation | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, Jason and Paul breakdown the different components of the computation used to determine the Federal Employee Retirement System benefit. They discuss the “High-3 Average Salary”, Years of Service, and the Multiplier used in the benefit formula. Lastly, they walk the listeners through an example computation.
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2023-11-2414 minHawaii Retirement ShowState of Hawaii E.R.S. ComputationIn this Episode of the HI Retirement Show, Jason and Paul breakdown the different components of the computation used to determine the State of Hawaii ERS benefits. They discuss the “Average Final Compensation” (AFC), Years of Service, and the Multiplier used in the benefit formula. Lastly, they walk the listeners through an example of the Hybrid Plan computation.
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2023-11-1716 minHawaii Retirement ShowTalking Reverse Mortgages with Wendy Oshiro | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, Jason and Paul are joined by Reverse Mortgage Specialist, Wendy Oshiro. The conversation includes an overview of what a Reverse Mortgage is, how they work, and things to consider in deciding if a Reverse Mortgage is right for you.
Featuring: Wendy Oshiro - https://mutualreverse.com/lo/wendy-oshiro/
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2023-11-1046 minHawaii Retirement ShowTalking Diversification | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, Jason and Paul discuss “Diversification”. Their conversation covers what Diversification is, why it is typically an integral part of investments for retirement planning, and how to look at Diversification as it relates to taxes.
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2023-10-2719 minHawaii Retirement ShowTalking F.I.R.E. with Cody Garrett | Hawaii Retirement ShowIn this Retirement Insights Episode of the HI Retirement Show, Jason and Paul are joined by Cody Garrett, CFP® to talk about F.I.R.E. (Financial Independence Retire Early). The conversation includes an overview of what F.I.R.E. is and the various forms it comes in. They also discuss the importance of being intentional with your spending, investing, and retirement planning while at the same time not neglecting all the non-financial aspects of your life.
Featuring: Cody Garrett, CFP®
25 Areas of Comprehensive Financial Planning: https://www.kitces.com/wp-content/uploads/2021/12/02-Advice-Only-Planning-Topic-Areas.png
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2023-10-2045 minHawaii Retirement ShowQ&A: How much will my estimated benefit be for my ERS Pension? How will WEP impact me as a Federal Employee?Q&A Episode #4: How much will my estimated benefit be for my ERS Pension? How will WEP impact me as a Federal Employee?
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2023-10-1313 minHawaii Retirement ShowState of Hawaii E.R.S. EligibilityIn this Episode of the HI Retirement Show, Jason and Paul breakdown the different age and years of service combinations to be eligible for the State of Hawaii ERS benefits. They discuss the normal and early retirement requirements for the various ERS plans including the Hybrid #1 (prior to July1, 2012), Hybrid #2 (after June 30, 2012), Non-Contributory, and the Contributory plans.
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2023-10-0620 minHawaii Retirement ShowFERS Eligibility | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, Jason and Paul breakdown the different age and years of service combinations to be eligible for the FERS benefits This includes the four FERS benefit categories of Immediate, Early, Deferred, and Disability.
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2023-09-2918 minHawaii Retirement ShowTalking Medicare with Donne Soga | Hawaii Retirement ShowIn this Retirement Insights Episode of the HI Retirement Show, Jason and Paul are joined by Donne Soga of Premier Benefits Consultants to discuss all things Medicare. The conversation includes an overview of the various parts of Medicare (Part A, B, C, & D), how to apply for Medicare, things to consider when choosing a Medicare Advantage (Part C) plan, and reviewing or changing your Medicare Part C coverage.
Featuring: Donne Soga - https://www.pbchawaii.com/donne
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2023-09-1542 minHawaii Retirement ShowWhat is Medicare?In this Episode of the HI Retirement Show, Jason and Paul provide an introduction to Medicare. They discuss the history of Medicare, how you pay into and receive Medicare, the four main parts to Medicare (Parts A, B, C, & D), how Medicare works in conjunction with other insurance, and what Medicare does not cover.
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2023-09-1217 minHawaii Retirement ShowAll About Life Insurance | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, Jason and Paul talk all about life insurance. They provide general overview of what life insurance is and discuss the similarities, differences, and general characteristics of the 4 main types of life insurance; Term, Whole Life, Universal Life, and Variable Life. The episode concludes with a discussion on who needs life insurance and ways to determine how much life insurance someone might need.
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2023-09-0825 minHawaii Retirement ShowQ&A: I worked for the state for 3 years, what do I do now that I left? Should I put more into my TSP or pay down my mortgage?Q&A Episode #3: I worked for the state for 3 years, what do I do now that I left? Should I put more into my TSP or pay down my mortgage?
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2023-09-0113 minHawaii Retirement ShowAll About The 403bAll about the 403b. In this Episode of the HI Retirement Show, Jason and Paul breakdown the 403b available to the University of Hawaii and Department of Education employees. The topics covered in this episode include explaining what the 403b plan is, who has access to it, why and how you should contribute, contribution limits, distribution rules at retirement, the importance of naming beneficiaries, and more.
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2023-08-2527 minHawaii Retirement ShowRetirement Insights with Kaipo Crowell | Hawaii Retirement ShowIn this Retirement Insights Episode of the HI Retirement Show, Jason and Paul are joined by Kaipo Crowell. Kaipo is the former Nuclear Engineering and Planning Manager at Pearl Harbor Naval Shipyard and currently the Executive Director of Kakou Professional Development. We discuss the Pearl Harbor Naval Shipyard, how Kaipo views retirement as just another season in life, the importance of financial planning, and having a fulfilling retirement through finding opportunities to serve others.
Featuring: Kaipo Crowell - https://www.linkedin.com/in/kaipo-crowell-217a44211/
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2023-08-1835 minHawaii Retirement ShowStages of Financial Life | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, Jason and Paul discuss the stages of a financial life as well as the three stages of retirement. The stages of a financial life are broken-down into the accumulation, transition, and decumulation phases. This episode provides a general overview of the characteristics and things to consider during each phase.
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2023-08-1117 minHawaii Retirement ShowWhat is a 401K?What is a 401K? In this Episode of the HI Retirement Show, Jason and Paul breakdown the basic characteristics of a 401K. They discuss the rise in popularity of the 401K, Roth vs Traditional, contribution limits, employer matching, vesting, distributions, RMDs, and more.
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2023-08-0419 minHawaii Retirement ShowTSP Investment OptionsThe TSP investment options. In this Episode of the HI Retirement Show, Jason and Paul breakdown the various funds and investment options available within the Thrift Savings Plan (TSP). They provide a brief summary of the six core offerings consisting of the G-Fund, I-Fund, S-Fund, C-Fund, F-Fund, and L-Fund. They also provide some insight and consideration for the recently added TSP Mutual Fund Window.
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2023-07-2823 minHawaii Retirement ShowEstate Planning Basics with Travis Agustin | Hawaii Retirement ShowIn this Episode of the HI Retirement Show, Jason and Paul are joined by Travis Agustin of Agustin Hawaii Law to breakdown the basics of Estate Planning. Travis is an Estate Planning attorney based out of Honolulu and provides our listeners with brief overview of the most common documents and considerations within an Estate Plan. Some of the Estate Planning topics covered include a Will, a Trust, an Advanced Health Care Directive, Powers of Attorney, and more.
Featuring: Travis Agustin of Agustin Hawaii Law, LLLC
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2023-07-2155 minHawaii Retirement ShowAll About The 457 (Deferred Compensations Plan)All about the 457. In this Episode of the HI Retirement Show, Jason and Paul breakdown the 457 (Deferred Compensation Plan) available to the State of Hawaii and City & County employees. The topics covered in this episode include explaining what the 457 plan is, who has access to it, why and how you should contribute, contribution limits, distribution rules at retirement, the importance of naming beneficiaries, and more.
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2023-07-1424 minHawaii Retirement ShowQ&A: What Should I Do With My Old 401k? When Should I Look For Long-Term Care (LTC)?Q&A Episode: What Should I Do With My Old 401k? When Should I Look For Long-Term Care (LTC)?
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2023-07-1113 minHawaii Retirement ShowWhat is an Annuity?What is an Annuity? In this Episode of the HI Retirement Show, Jason and Paul give a broad overview of what Annuities are. They discuss the fundamentals of annuities including how they work, the different types, the payout options, the risks & fees associated with annuities, and more.
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2023-07-0728 minHawaii Retirement ShowWhat is a Pension?What is a Pension? In this Episode of the HI Retirement Show, Jason and Paul give a broad overview of what a Pension is. They discuss the history, how they work, how they are taxed, vesting, and more.
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2023-07-0420 minHawaii Retirement ShowAll About The TSPAll About the TSP. In this Episode of the HI Retirement Show, Jason and Paul breakdown the Thrift Savings Plan (TSP). The TSP topics covered in this episode include participation, matching contributions, contribution limits, Roth vs Traditional, plan loans, vesting, distribution options at retirement, and beneficiaries.
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2023-06-3033 minHawaii Retirement ShowQ&A: Should I Rent or Own in Retirement? Who Really Needs a Financial Advisor?Q&A Episode #1: Should I Rent or Own in Retirement? Who Really Needs a Financial Advisor?
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2023-06-2715 minHawaii Retirement ShowWhat is a Roth IRAWhat is a Roth IRA? In our 10th Episode of the HI Retirement Show, Jason and Paul go over what a Roth IRA is. They discuss the tax implications, the contributions limits, who can contribute, withdrawal rules, required minimum distributions, and more.
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2023-06-2314 minHawaii Retirement ShowIntro to the State of Hawaii Employee Retirement System (ERS)An introduction to the State of Hawaii Employees Retirement System (ERS). In the 9th Episode of the HI Retirement Show, Jason and Paul introduce the State of Hawaii Employees Retirement System and what listeners can expect from future ERS episodes.
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2023-06-2009 minHawaii Retirement ShowWhat is a Traditional IRA?What is a Traditional IRA? In our 8th Episode of the HI Retirement Show, Jason and Paul go over what a Traditional IRA is. They discuss the tax implications, the contributions limits, who can contribute, withdrawal rules, required minimum distributions, and more.
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2023-06-1616 minHawaii Retirement ShowIntro to the Federal Employees Retirement System ( FERS)An introduction to the Federal Employees Retirement System (FERS). In the 7th Episode of the HI Retirement Show, Jason and Paul introduce the Federal Employees Retirement System and what listeners can expect from future FERS episodes.
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2023-06-1311 minHawaii Retirement ShowWhat is a Mutual Fund and an ETF?What is a Mutual Fund and an ETF? In our 6th Episode of the HI Retirement Show, Jason and Paul tell us what Mutual Funds and ETFs are and discuss the similarities and differences between the two.
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2023-06-0913 minHawaii Retirement ShowWhat is a Bond?What is a Bond? In our 5th Episode of the HI Retirement Show, Jason and Paul tell us a little bit about what a bond is, why companies issue bonds, different types of bonds, and some of the characteristics of bonds.
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2023-06-0616 minHawaii Retirement ShowWhat is a Stock?What is a Stock? In our 4th Episode of the HI Retirement Show, Jason and Paul tell us a little bit about what a stock is, why companies issue stocks, and briefly touch on the different types and characteristics of stocks.
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2023-06-0213 min