Kevin Lao - Podcast Details

Shows

The Planning For Retirement Podcast84: Retire @ 58 w/ $3million. Prioritize ACA Premium Tax Credits or Roth Conversions?Hello, PFR Nation and Happy 4th of July, and Happy Birthday, America! What a great country we live in, I’m so proud to be an American. My Dad being a (legal) immigrant has given me great appreciation for the opportunities we have relative to the rest of the world. I’m feeling extremely blessed for the clients we are serving in our financial planning firm, and I’m so grateful to serve all of you with this podcast. I hope you continue to find value. We have a fair amount of new listeners, plus the legacy...2025-07-0142 min

The Planning For Retirement Podcast83: 'Oversaved' for Retirement? Here Are 6 Opportunities To Consider. Many of the individuals and families we serve end up “Oversaving” for retirement. If you are in that same situation (you overachieved 😊), you will want to listen to this episode to learn about 6 retirement planning opportunities to consider. Basically, this is the exact I hope you find this episode useful. -Kevin Takeaways:Many clients are overachievers who overfund their retirement.Financial planning is a continuous process, not a one-time event.Understanding the gap between current wealth and future goals is crucial.Retiring earlier than planned can be a viable optio...2025-06-2440 min

The Planning For Retirement Podcast82: Retirement Related Q+A (Volume 1)In this week’s podcast, I break down 5 great questions we have either fielded directly in our practice, or have observed in the marketplace from retirees/near retirees. Shoutout to Roberto for this concept, and if it goes well, we’ll be doing these every 4-5 episodes! In this edition, the 5 questions we’ll tackle are:💬 Question 1: Can I get a mortgage if I just retired and don’t have income? I have the assets!💬 Question 2: Can a spousal Roth be done for a wife who is retired and draws a pension and Social Security, but no income from w...2025-06-1744 min

The Planning For Retirement Podcast81: Financial Support or Enabling Your Adult Children?Is it time to take your adult children off your payroll?Nearly HALF of parents with adult children are providing them with MEANINGFUL financial support. But 40% plan to CUT OFF those funds in the next 2 years.If you or someone you know is struggling with this, you are NOT alone!In this 81st edition of the PFR podcast, we’ll discuss Savings.com’s recent survey about this, and ultimately how this could impact your retirement plans and how you are remembered. Make sure to participate in the poll questions referenced in thi...2025-06-1034 min

The Planning For Retirement Podcast80: Are You Feeling Behind for Retirement? Here Are 6 Things You Should ConsiderAre you feeling a bit behind on your goals for retirement? You’re not alone!More than half (57 percent) of Americans working full-time, part-time or who are temporarily unemployed feel behind on their retirement savings, according to Bankrate’s latest Retirement Savings Survey.In the 80th edition of the Planning for Retirement podcast, I’ll discuss 6 tactical moves to improve your retirement outcomes. I hope you enjoy it!Also, thanks for your patience this week as my family of 5 + 2 dogs made our move into a new home! We are swimming in boxes while managing...2025-06-0554 min

The Planning For Retirement Podcast75: 12 Takeaways From Retirement Planning Reviews in 2025Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ visit my website⁠⁠⁠The first quarter of every year is a great opportunity for us to meet with our clients and discuss things like:Required Minimum Distributions (RMDs)Cash Flow NeedsRebalancing opportunities and overall market outlookTax opportunities before the deadlineTax opportunities to tee up for the year(s) aheadAnd overall retirement planning landscape for each of our clientsBut this past quarter, we have had some significant volatility relative to what we’ve seen since 2022 when inflation topped out at 9.1%!!2025-04-2928 min

The Planning For Retirement Podcast74: Don't Wait To Spend Your Roth Accounts! Vol. 5 Whiteboard Retirement PlanAre you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ visit my website⁠⁠⁠The conventional wisdom is to spend down your taxable accounts first, then your tax-deferred accounts, and finally your tax-free accounts. However, this may not always be the case. In this episode, I’ll break down the case of “Rory and Erica” on the whiteboard, which goes against this conventional wisdom. We’ll cover max spending strategies, optimal investment strategies, tax-efficient withdrawals, charitable giving, and long-term care planning.I hope you enjoy this edition...2025-04-2239 min

The Planning For Retirement Podcast73: When The VIX Is High, It's Time To BuyAre you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ visit my website⁠⁠⁠The VIX (Wall Street’s fear index) topped out at 57 as I write this on 4/9/25. Which for perspective, 15 is a normal level. In 2020, the VIX topped out at 66, and in 2008 it topped out at 88! So, this means there is a lot of fear in the markets.We just wrapped up our Q1 reviews, and our clients are also in that camp feeling uncertainty. However, the market rallied today (4/9/25) with the S&P 500 gaining 8.5%! 2025-04-1529 min

The Planning For Retirement Podcast72: My Top 20 Golf CoursesAre you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ visit my website⁠⁠⁠Shoutout to my wife, Jess, for this podcast idea! I started my list with 5, then went to 10…but I had to put 20 down for this list! But, there are several more that SHOULD have made this list!We talk about purpose in retirement, and what better purpose than to have some amazing golf courses that you want to play in retirement!? My hope is to provide some inspiration as you all plan for retirement and begin to hit some of your...2025-04-081h 01

The Planning For Retirement Podcast71: Bullish on Bonds!?⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ visit my website⁠⁠The Federal Reserve elected to hold steady on rate cuts for now. The market did react positively to this news, but ultimately volatility has ensued since then in response to tariff concerns and their impact on inflation. So naturally, we are fielding more and more questions about the markets and the impact on their retirement portfolio. As a result, I wanted to dig into past economic cycles where interest rates had peaked (like they did in...2025-04-0121 min

The Planning For Retirement Podcast70: Celebrating 4 Years of Independence⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠ visit my website⁠⁠Our retirement planning firm, Imagine Financial Security, turned 4 in February and I have been wanting to do a podcast celebration for this one! To celebrate, I thought I would do an episode about some of my initial experiences of going independent as a financial advisor.I’ll touch on 4 things I miss about working for a larger financial institution.Then, I will touch on 4 of the things I LOVE about being an independent financial advisor.I...2025-03-2539 min

The Planning For Retirement Podcast69: 14 Ways to Protect Your Retirement from a Bear Market⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠ visit my website⁠⁠No, I’m not saying a Bear Market is certain. Nobody has a crystal ball. However, the markets are volatile right now, and it’s a great reminder that the market doesn’t operate on a straight line upwards. It has bumps along the road. And that is a GOOD thing! If there was no risk, there would be no opportunity for gains!However, it’s important to begin preparing before you enter a bear market, or wors...2025-03-1847 min

The Planning For Retirement Podcast68: 9 Reasons to Claim Social Security Early⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠ visit my website⁠⁠The default assumption for many online social security calculators, financial planning tools and expert advice tells you to DELAY Social Security as long as possible! After all, that does yield the highest monthly benefit, assuming you wait until age 70.Well, that may not be the best strategy for you! In this episode, I am going to break down 9 reasons why you may want to claim Social Security early! As always, ever...2025-03-1133 min

The Planning For Retirement Podcast67: Retire at 62/61 with $1million IRA, Optimize Social Security, Managing IRA Withdrawals, Optimize Taxes⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠ visit my website⁠⁠Today, we will be looking at a client example of a 62/61 year old couple with $1mm inside of a Traditional IRA, about $50k in cash savings, and a $450k home that is paid off. In this episode, we’re going to dive into the timing of their Social Security income, IRA distribution strategy, Roth Conversions, as well as their investment strategy. We’ll also discuss some of the key risks they’l...2025-03-0432 min

The Planning For Retirement Podcast66: 7 Reasons Not To Convert Your IRA to Roth⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠ visit my website⁠⁠One of the top concerns for the clients we serve is related to taxes in retirement. They’ve worked hard to get to this point where they could even think about retiring, but then realize that the more they pay in taxes, the less money in their pocket to enjoy life and ultimately leave to their kids or beneficiaries. After all, the federal government has shown that they have been a pretty p...2025-02-2531 min

The Planning For Retirement Podcast65: Tax Preparation is Not Tax Planning (w/ Roberto Fortuna)⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠ ⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠Or,⁠⁠⁠⁠ visit my website⁠⁠Most people start to think about taxes right about now around the tax filing deadline.They gather a bunch of documents, send them to their tax preparer, and mistakenly believe their tax preparer is going to come up with this MAGIC way to save a bunch of money on taxes.Then they get ticked off because there is not much you can do in April to lower your tax bill...2025-02-1855 min

The Planning For Retirement Podcast64: Warren Buffett Says To Do 'This' With Your Will⁠Are you interested in working with me 1 on 1?⁠⁠⁠ ⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠Or,⁠⁠⁠ visit my website⁠⁠“Legacy is not about leaving something for people, it’s about leaving something behind IN people.”— Peter StropleMany retirees create estate plans with their attorneys. They get a big binder with their documents, hopefully they update their beneficiaries, retitle their assets to their trust, and then they throw that big binder in a safe and “tell their kids where it is.”But they ignore the fact that s...2025-02-1131 min

The Planning For Retirement Podcast63: Retirees - Should You Give Yourself a Raise?WELCOME to the OFFICIAL episode 63! I was jumping ahead of myself last week when I thought I was recording 63, but in fact that was episode 62. Las week we talked about cash flow and budgeting, and how that sets the framework for one of the core assumptions for your retirement planning. Today, we are going to dive into how your cash flow needs impacts your rate of withdrawal, and ultimately how you should be giving yourself “raises” in retirement. We’ll walk through the revolutionary study by...2025-02-0447 min

The Planning For Retirement Podcast62: 'Save More Money' = Top New Year's Resolution for 2025Hello PFR Nation, Welcome to the official kickstart of our show going weekly! Yes, we switched the day of the week to Tuesday. I will also be continuing the weekly “Fireside Chats” on YouTube, and those will be released weekly on Thursdays. For this episode, I wanted to chat with you all about a core financial planning topic that I haven’t discussed enough. BUDGETING. For some of you, that may feel like a 4-letter-word. For others, it’s music to your ears. 2025-01-2846 min

The Planning For Retirement Podcast61: Benefits of 'Working' in Retirement (w/ Roberto Fortuna)PFR Nation, I am very excited to have one of our very own, Roberto Fortuna, on to the show this week! We are going to discuss the benefits of ‘Working’ in retirement. But, when we say ‘Working’ we just mean having purpose in retirement. Whether that is part time work, volunteering, starting a consulting business, or just being Grammy and Grandpa! Whatever it is that is going to give you purpose in retirement, you should do more of! For those of you who don’t know, Roberto joined my financial planning firm last May. Yes...2025-01-2356 min

The Planning For Retirement Podcast60: 5 Things to Watch in the Markets for 2025Happy 2025 everyone! First let me say, this is NOT a market prediction episode! They are always wrong. However, I do believe that many of you who are recently retired or approaching retirement will be interested in this episode. I put together a list of 5 things the market is looking for in 2025 that will impact both the stock and bond market. Additionally, I have 5 key takeaways for you to help you improve the success of your retirement plans. Make sure to follow our show if you are over 50 and have accumulated at least $1million for retirement or are pretty...2025-01-0929 min

The Planning For Retirement Podcast59: We've Been Retired for 8 Years, How Are Things Going? 'Whiteboard Retirement Plan' Vol 3 Ft. Sonny and CherPFR Nation, It’s hard to believe we are wrapping up 2024! I hope everyone is having a wonderful holiday season with their loved ones! This is Volume 3 of the “Whiteboard Retirement Plan” edition of the podcast. The numbers don’t lie, Volume’s 1 and 2 were among the top downloaded episodes for 2024. I will continue to do the Whiteboard Retirement Plan breakdowns every 4 or 5 episodes or so. I don’t want to overplay it, so I’ll track the data to ensure you are still finding value in that content. If you want to be FEAT...2024-12-2631 min

The Planning For Retirement Podcast58: Let's Ask 'Chat GPT' When You Should Hire a Financial Advisor!PFR Nation…you’re somewhere in the ballpark of 50-60+ and you’ve gotten to the point where you feel you are on the verge of achieving financial independence. Congratulations!! All of that hard work and sacrifice pays off in the end. I wanted to make an episode about when I thought it made sense to hire a financial advisor, and more specifically a financial advisor who specializes in retirement planning. However, I realized how BIASED I am personally on this topic 😊! Naturally, I decided to go to the most objective source possible, Chat GPT. For those who...2024-12-1245 min

The Planning For Retirement Podcast57: End of Year Tax Planning OpportunitiesHappy Thanksgiving, PFR Nation! What a ride 2024 has been. You all were a HUGE part in making this year so exciting. Listen, it’s a lonely business that I chose…being a rogue financial planner in the independent space. However, I wouldn’t trade it for the world. Given it is the season of gratitude, of course I want to give a shoutout to my team! Zack, The Podcast Man. Amy, our Client Services Associate. Mason, my shorts/social media editor. And of course, Roberto, the backbone of our financial planning proces...2024-11-2837 min

The Planning For Retirement Podcast56: Aging In Place w/ Michael LevineI’m excited for this episode, as we have a real-life retiree, Michael Levine, who successfully owned and sold a home healthcare business. Michael spent the beginning of his career in accounting until he and his wife started their company over a decade ago. His knowledge in the home health care space in addition to maximizing the benefits of long-term care insurance is going to be extremely valuable to all of you who are planning for your own retirement as well as caring for aging parents. Some of the topics we’ll touch on are:2024-11-141h 00

The Planning For Retirement Podcast55: Trump vs. Harris on TaxesFull disclosure, many of these proposals will never come to fruition. However, it is election time, so why not have some fun with this? I spent a lot of time digging into each candidate’s tax proposals, as well as the potential impact to you, PFR Nation. Let me be clear, this is not an endorsement for either candidate, nor is it a recommendation to make changes based on these hypothetical proposals. However, tax changes will inevitably impact all of us, so it’s important to understand what each candidate is proposing. Furthermore, I would...2024-10-3152 min

The Planning For Retirement Podcast54: Behavioral Biases Against Annuities and How They Harm Everyday Retirees (w/ Sheryl Moore and Tracy Lownsberry)Annuities have become the four-letter word of retirement planning products. However, is this warranted? When should annuities be positioned in a well-diversified retirement income plan? How do you ensure you aren’t being taken advantage of by an agent who doesn’t have your best interests? In this next edition of The PFR Podcast, I host annuity experts Sheryl Moore and Tacy Lownesberry to discuss this notorious retirement product and attempt to reduce the stigma associated with annuities. Why do this? Well, I personally do not sell annuities…nor do I receive any compensation...2024-10-1751 min

The Planning For Retirement Podcast53: Ages 58/54, COAST to retirement with $5.5mm and make a multi generational impact ('Vol 2 Whiteboard Retirement Plan')Thanks so much to our recent listener who submitted their financial info for this next edition of the ‘Whiteboard Retirement Plan.’ This was a fun case to break down. "Travis" is 58, "Taylor" is 54, and they are currently putting 3 children through college. They’ve managed to save a nice nest egg of approximately $5.5mm and it’s tax diversified quite nicely. In this episode, I’ll break down my thoughts on: College planning and 529s Bridge to Social Security ‘COASTing’ to retirement Order of withdrawal Roth conversions and the RMD Tax Trap Spendin...2024-10-0244 min

The Planning For Retirement Podcast52: The Sandwich Generation: Planning for Retirement, Juggling College Funding, and Caring for Aging Parents (w/ Jeff McDermott)Are you approaching retirement while juggling paying for your kids' college, or even perhaps caring for aging parents? You are not alone. In fact, 48% of adults are providing some sort of financial support to their grown children, while 27% are their primary support. Additionally, 25% are financially supporting their parents as well. The conversation focuses on the sandwich generation, which refers to individuals who are planning for their own retirement while also supporting their children and aging parents. In this conversation, Kevin Lao and Jeff McDermott discuss various financial planning topics, including college planning, retirement savings, and...2024-09-1853 min

The Planning For Retirement Podcast51: Artificial Intelligence, Bitcoin, and Should these Emerging Technologies Have a Place in Your Investment Portfolio? (w/ Brian Bonewitz, CFA)Are you approaching retirement and worried about the impact of Artificial Intelligence (AI) on the future of your job? What about the impact of AI on the financial markets? And lastly, do Bitcoin and other cryptocurrencies have a place in a well-diversified investment portfolio? I hope you enjoy my interview with Brian Bonewitz. Brian is an AI consultant, CFA holder, and has a unique perspective on AI, digital assets, and the impact they have on investing for retirement. Personally, I believe the mainstreaming of Bitcoin in 2024 is likely to cap...2024-09-041h 01

The Planning For Retirement Podcast50: 50 Truths Retirees Wish They Knew Before Firing Their BossDo you ever wish you could get inside the minds of existing retirees to ask them what their experience has been? Or, ask them what they wish they would have known before they quit their day job? This episode is for you! In this episode of the Planning for Retirement podcast, I’ll share 50 truths that retirees wish they knew before they quit their day jobs. Some of these are straight from the horse’s mouth, some are my observations in serving retirees for more than a decade, and some are research-based that I uncovered during this process...2024-08-2249 min

The Planning For Retirement PodcastWelcome to "The Planning for Retirement Podcast"Welcome to "The Planning for Retirement Podcast," where we help educate you on how to achieve financial security and fire your boss. Here are some topics you will learn about: - Social Security - Retirement Income Planning - Roth Conversions - Tax Planning - Charitable Giving - Investment Strategies in Retirement - Estate Planning - Long-term Care Planning - Medicare - Required Minimum Distributions - Retirement Mortgage Strategies - And even some behind the scenes into building Imagine Financial Security I hope you enjoy the show! -Kevin Lao Connect with me...2024-08-2101 min

The Planning For Retirement Podcast49: Vol 1 of “Whiteboard Retirement Plan” - Should I Retire with $1.5mm Invested at Age 65? (Withdrawal Rates, Spending Phases, Roth conversions, Social Security Timing, and Long-term Care Planning)Welcome to this edition of The Planning for Retirement Podcast. This is Volume 1 of this new series, The Whiteboard Retirement Plan, where Kevin breaks down a real-life client case for “Bob and Jennifer” in plain English. The goal is to help answer the question, “Can I fire my boss?” ERROR IN THE VIDEO ***Hey all, just a quick note about this episode. In minute 22:47, I mentioned the spousal benefit Jennifer would collect would equate to $18k/year. However, this is not the case. Because Jennifer filed her OWN benefit early, she would also have a...2024-08-0848 min

The Planning For Retirement Podcast48: "Downsizing" to Retire EarlyIn this episode, Kevin discusses the topic of downsizing to retire early. He shares the reasons why people downsize their homes to fund their retirement and talks about the tax implications of doing so. Takeaways Downsizing to a smaller home can help fund retirement and allow for an earlier retirement. Home equity can be a valuable asset to consider when planning for retirement. Consulting with financial and tax professionals is crucial to understand the tax implications of downsizing. Social media algorithms can shape people's opinions and contribute to the perception of a divided society. Considering the emotional attachment to...2024-07-2522 min

The Planning For Retirement Podcast47: Should You Relocate in Retirement?It’s official, we moved to Chattanooga, Tennessee where my wife’s family is from. Considering this big move and the fact that I’ve spoken with hundreds of retirees who relocated during retirement, I thought this would be a timely topic! I’ll unpack some of the main reasons I see people relocating during retirement including; the weather lower cost of living lower taxes healthcare family politics. The reasons I hear are good ones, but make sure you find a tight-knit community. Every study I read on this topic points...2024-07-1131 min

The Planning For Retirement Podcast46: Should I "Die with Zero?"In this episode, Kevin Lao discusses the key takeaways from the book 'Die with Zero' by Bill Perkins. He emphasizes the importance of using money as a resource and not hoarding it. He also talks about the concept of return on experiences and the different life phases for different experiences. Kevin highlights the significance of investing in one's health and giving with a warm hand instead of a cold one. He also mentions the Life Cycle Hypothesis and the importance of insurance products in mitigating financial risks. Lastly, he discusses the potential drawbacks of...2024-06-2730 min

The Planning For Retirement Podcast45: Should I Invest in my Company Stock?You can invest in your company stock in several ways, whether you are working for a publicly traded corporation or even a privately owned company. And who wouldn’t want to have ownership in the company you have your sweat equity with? However, there are tax implications and investment risks you must weigh before moving forward with doing so. And even if/when you decide to invest in your company’s stock, you must have a plan and process to ensure you are not taking on unnecessary risk. In this episode...2024-06-1441 min

The Planning For Retirement Podcast44: How Much Will I Spend in Retirement?Thanks everyone for tuning in! As we continue our review season with clients, it’s a friendly reminder of how important a retirement spending budget is! This is a key input your financial advisor must know to run accurate projections for you. Remember, the outputs are only as good as the inputs. In our last episode, we talked about how important an assumed retirement age is. This week, we will focus on projecting how much you’ll spend in retirement. This is a very personal question that is tough to fit into...2024-05-3036 min

The Planning For Retirement Podcast43: Stop Planning for a “Normal” Retirement AgeTwo of our recent client meetings were with folks who retired much earlier than they had anticipated. So, I started to go down a rabbit hole of research and thought this would be a great episode to encourage you all to STOP planning for a “normal” retirement age in your assumptions! Even if you do end up working until 65 or 70, you should not build that into your calculations when planning for retirement. Instead, whatever you think your expected retirement date is, push it forward 5 years. So if you want to wor...2024-05-1621 min

The Planning For Retirement PodcastEp. 42 - Wealth Protection and Transfer in a Blended Family (with Tim & Alexis Woodward)Here is part 2 of 2 in the "blended wealth" series! I hope you enjoy it! Episode Overview In this episode we shed light on the unique financial planning and estate planning considerations for blended families, emphasizing the importance of tailored advice and open family communication to navigate these complexities successfully. Today’s guests are Tim and Alexis Woodward, co-founders of Blend Wealth, a firm specializing in financial planning for blended families and business owners. If you haven’t already done so, make sure you listen to episode 41: Blending and Building Wealth in a Blended Family before listening to this episode. Connect with...2024-05-0235 min

The Planning For Retirement PodcastEp. 41 - Blending & Building Wealth in a Blended Family (w/ Tim and Alexis Woodward @ Blend Wealth)40% of marriages today create a blended family, which involve children from previous relationships or marriages. I'm very excited for these next two episodes with Tim and Alexis Woodward from the Blend Wealth team! Financial issues are a hot topic within families. And when you add additional parties, it can create added complexity. We are breaking down this topic of blended family financial planning considerations into two parts: Episode 41: Blending and Building Wealth in a Blended Family Episode 42: Wealth Protection and Transfer in a Blended Family 2024-04-1839 min

The Planning For Retirement PodcastEp. 40 - What this election year means for your investment portfolioThe financial markets are well known to cause some stress and anxiety, but this escalates even more during a Presidential election. Especially this one which is likely to bring out emotions from both sides. As a result, I felt called to do this episode to provide some facts about how Presidential elections impact the stock market. I hope you enjoy this episode! Make sure to share it with a friend or family member who might find it helpful! I want to impact as many people as possible with this message! Thank you! ***Just...2024-04-0422 min

The Planning For Retirement PodcastEp. 39 - Are you getting too conservative too early before retirement?First and foremost, it's been a whirlwind for the Lao family in March. My financial planning firm just went through its first audit, woohoo! In the midst of all of the heavy lifting preparing for said audit, my wife gets the worst food poisoning of her life. Needless to say, Daddy's daycare was in session for the majority of last week. To cap things off, my oldest son got sick, so I took my twin boys to their first hockey game on Sunday just the three of us. While there, my wife called me with the news that one...2024-03-2122 min

The Planning For Retirement PodcastEp. 38 - Leveraging legislative changes to maximize your company retirement plans (w/ Alex Jenkins from NestEggs)The SECURE Act of 2019 was the first major overhaul of retirement plans, specifically 401ks. However, many people are still curious about what the changes are and how they impact these group 401k plans. I had the pleasure of being joined by Alex Jenkins, the Chief Revenue Officer @ Nest Eggs, to unpack all of this for us. You'll be sure to learn a lot whether you are a small business owner, an executive at a privately held company, or you're just interested in the evolution of 401k plans and how to maximize them for retirement. ...2024-03-0744 min

Money and Mortgages PodcastAchieving Financial Freedom Through Real Estate Investing (with Kevin Lao, CFP®)#Realestateinvesting #Personalfinance #moneyandmortgages In this interview, Adam Coleman takes a deep dive into the world of real estate investing with Kevin Lau, a Certified Financial Planner and founder of Imagine Financial Security. Kevin shares his journey into the financial industry and personal journey into real estate investing. He discusses essential aspects of real estate investing including audiences best suited for this investment, key tax considerations and common mistakes to avoid. He also advises on the benefits of converting a primary home into a rental property and shares insights about investing in short-term rentals. Moreover...2024-02-2231 min

The Planning For Retirement PodcastEp. 37 - 3 flexible retirement withdrawal strategies to maximize spending during your lifetimeHave you heard of the 4% rule?! It's the most recognized benchmark for safe withdrawal rates in retirement. However, it lacks flexibility and often leaves retirees "under-spending," particularly in their prime retirement years. Think Advisor put out this article (link below) that touched on three alternatives to the 4% rule and how they can potentially increase your spending capacity over time, while also protecting downside risk (outliving your assets). I hope you enjoy this episode! If you are interested in learning what it would be like to work with me, fill out my complimentary "Retirement...2024-02-2229 min

The Planning For Retirement PodcastEp. 36 - Asset location to improve tax efficiency in retirementAccording to the Vanguard "Advisor's Alpha" study, asset location can add up to 60 bps in returns on an annual basis! The larger your taxable brokerage account balance, the more you need to pay attention to what investments you own in that bucket! Conventional wisdom says that the taxable accounts should be tapped into first, and therefore should be the most conservative. However, the result could leave you paying more in taxes than you need to! This is where proper Asset Location comes into the picture. I hope...2024-02-0829 min

The Planning For Retirement PodcastEp. 35 - Using a reverse mortgage as part of your retirement income strategyHousing wealth is one of the largest, if not the largest, assets on the balance sheet for retirees today. However, many retirees simply pay off their mortgage and let their housing equity sit idle. There's nothing inherently wrong with this line of thinking because being debt-free is often a goal for most people. However, you may want to look at a reverse mortgage as a tool in the toolbelt to achieve your ideal retirement, minimize taxes, and age in place. A big thank you to George Vrban, a reverse...2024-01-2547 min

The Planning For Retirement PodcastEp. 34 - Top investment mistakes retirees have made since 2020Welcome to another episode of The Planning for Retirement Podcast. I'm your host, Kevin Lao! 2020-2023 brought about legitimate market volatility, the first we've experienced since The Great Recession of 2008. I thought I would share some common mistakes I've personally seen retirees make over the last few years to highlight the importance of having a disciplined, unemotional, repeatable, investment process. I'll also highlight some of the key metrics we are watching in 2024 and how we are currently managing risk in portfolios. Here are some...2024-01-1750 min

The Planning For Retirement PodcastEp. 33 - My sincere gratitude, plus a few tax planning observations as we close out 20232023 was an amazing year, and I just wanted to spend some time sharing my sincere gratitude for my listeners, clients, and most importantly my wife, Jessica, for supporting me on this journey. I also wanted to share a few tax planning observations as we close out 2023. Here are some links I referenced in the show: - Ep. 18 - Roth conversion strategy could save $427k in taxes - Ep. 10 - 6 reasons to take advantage of Roth conversions -IRMAA...2023-12-2836 min

The Planning For Retirement PodcastEp. 32 - Tactical ways to reduce your anxiety transitioning from saving to spending in retirementI decided to record this episode as a follow-up to Ep. 30 given how many questions and discussions I've heard from listeners. If you have not listened to Ep. 30 (link here), you should go back and listen as Cody Garrett joined me to talk about the challenge of psychologically going from "Saver to Spender" in retirement. However, many of the follow-up questions were about what tactical action items you could take to get comfortable with "spending" down your retirement nest egg. There are 7 potential tactics and philosophies you could adopt...2023-12-1436 min

What Are You Made Of?Imagine Financial Security: Building Legacies with Kevin LaoIn this inspiring episode, host Mike C-Roc welcomes Kevin Lao, the owner of Imagine Financial Security, a retirement-focused financial planning firm based in Florida. Kevin, also the host of The Planning for Retirement Podcast, shares his journey from growing up just outside Washington, D.C., to building his own successful business in Northeast Florida. Mike dives into Kevin's background, exploring his unique family dynamics, with a blend of Asian and European heritage, and how those diverse influences shaped Kevin's entrepreneurial spirit. As the owner of Imagine Financial Security, Kevin specializes in tax planning, retirement...2023-12-0126 min

The Planning For Retirement PodcastEp. 31 - Nontraditional retirement planning using real estate, tax planning, and end of year charitable gifting opportunities (featuring Brady Slack)I'm excited to have Brady Slack, the proud owner of High Country Finance based in Utah, join for this fascinating topic. At first, I was planning to steer Brady in two directions with regards to tax planning opportunities for business owners and W2 employees. But, we ended up mainly focusing on using real estate as a nontraditional retirement planning vehicle, and the tax efficiency of leveraging this asset class. Just a word to the wise, investing in Real Estate is NOT as easy as it sounds. Many of these expert investors have been through...2023-11-3055 min $Slackin\' Off$ Slackin' Off“Lao” Hanging Fruit: Retirement Plans in Tax Planning Ft. Kevin Lao Kevin and Brady discuss retirement planning and qualified plans. These types of investments might not one of the highest priority option for some, but the conversation is important as retirement accounts are an easy way to keep money within your financial sphere, as well as get some tax benefits. Guest Bio: I started in the financial services industry in 2008, amidst the Great Recession. It was both a fascinating and heartbreaking time to start in this business. I’ve spoken to countless families who’s retirement plans were delayed years because of it, and this ha...2023-11-2136 min

The Planning For Retirement PodcastEp. 30 - Is it harder to go from spender to saver pre-retirement, or saver to spender in retirement? (Featuring Cody Garrett)I've known Cody for almost 3 years now, and this man is a true student of his craft. Cody is an advice-only financial planner passionate about helping DIY investors on the path to financial independence and through early retirement. He is a CFP practitioner and proud owner of the Measure Twice® brand. His educational insights have been featured by Barron's, Forbes, Fox Business, CNBC, Morning Brew, Business Insider, and MarketWatch. You can also hear him on the ChooseFI, The Long View (Morningstar), The Financial Independence Show, and Michael Kitces' Financial Advisor Success podcasts. Twitter: @MeasureTwiceMNY LinkedIn: https://www.linkedin.com/in...2023-11-161h 11

The Planning For Retirement PodcastEp. 29 - Is the 60/40 portfolio dead for retirement planning?For decades, the 60/40 portfolio has been the most popular asset allocation for retirees and institutional investors. It provides enough exposure to the equity markets to hedge inflation, but also plenty of "safe money" to offset dips in the stock market. And then, 2022 - 2023 comes along when interest rates skyrocket sending the price of bonds into the red by -15%. The 60/40 portfolio failed for the first time in 40 years. This begs the question, is the 60/40 portfolio dead? In today's episode, I talk about what the 60/40...2023-11-0247 min

The Planning For Retirement PodcastEp. 28 - The top estate planning concern leading DIY investors to hire a fiduciary financial advisor, and what you can learn from it!Opposites attract, and this bleeds into the world of personal finance. There is a reason why the #1 cause for marital issues is related to personal finances. Well, when planning for retirement, this is no different. There's oftentimes a "CFO" of the household, and a "Non-CFO." It varies, depending on the couple, how much the "Non-CFO" is involved and/or interested in the personal finances. But either way, the concern is if the "Non-CFO" spouse had to take over the "CFO" role. As we get older, we realize we aren't Superman or Superwoman. Then the question becomes, how do you...2023-10-1926 min

The Planning For Retirement PodcastEp. 27 - Which type of permanent life insurance policy should I own in retirement?In episode 26, we addressed 7 reasons why you may want to own permanent life insurance during retirement. In this episode, we will discuss the different types of permanent life insurance (whole and universal), as well as the different flavors of each type. I hope you find this to be helpful! Drop us a line if you have questions or comments! 2023-10-0558 min

Weekly Audio Journal by Kevin Ly Social136 - 📵 Disconnect to Reconnect: The Art of Clarity Breaks“In the midst of movement and chaos, keep stillness inside of you.” ~ Deepak ChopraIn our constantly connected world, it's rare to find a moment of true stillness. Our attention is endlessly pulled in different directions by pings, notifications and the allure of scrolling. But what if the secret to unlocking creativity and maintaining sanity is simply doing nothing?Sharing with you the ‘clarity break” - an intentional pocket of time for quiet reflection. No screens, no tasks, no stimuli. Just you, your thoughts and the world around you. While it may sound counterintuitive in our busy...2023-10-0102 min

The Planning For Retirement PodcastEp. 26 - 7 reasons to own permanent life insurance in retirement We've all heard the sales pitches! "Permanent life insurance solves all of your problems!" For those of you who have followed me for a period of time know I don't believe this to be true. But at the same time, there is a large % of the financial advisor (and talking heads) population that blanketly tells people, "Don't ever buy permanent life insurance." To me, this is a breach of fiduciary duty. Just because we all have our biases doesn't mean we should PUSH those biases on someone's personal financial...2023-09-2128 min

The Planning For Retirement PodcastEp. 25 - The #1 Value Add a Comprehensive Financial Planner Provides For RetireesI hope you enjoy this one! I am not going to give it away in the description but here are the most common responses I hear from people (until they listen to this episode of course): - Tax planning - Peace of mind - Investment management - Income distribution planning - Estate planning All good answers, but all of them are wrong! Here are a few links I referenced during this episode, check them out below: WSJ Article - Retirement Regrets Investment News - Why people are reluctant to hire an advisor Vanguard's Advice Alpha Episode 21 - Purpose in...2023-09-0724 min

The Planning For Retirement PodcastEp. 24 - Self Funding Long-term Care ExpensesMost people go into retirement without Long-term Care Insurance. Meaning, they plan to "self-fund" Long-term Care expenses. But really, what ends up happening is that a family member, or family members, will end up providing the care. In fact, 70% of care provided is done by unpaid caregivers (aka family members). This goes against what most people's primary goal is in retirement; "Never to be a burden on their loved ones." The problem is the "self-funding" plan wasn't communicated properly to their loved ones. Or...2023-08-2441 min

The Planning For Retirement PodcastEp. 23 - Using Hybrid Long-term Care to Fund Extended Care Costs in RetirementThis is part 2 of 3 in our series, "How to pay for Long-term care costs in retirement." Rodney Mogen and Peter Ciravalo from BC Brokerage are my guests again today and they bring a ton of knowledge on this topic! There is a reason Hybrid Long-term Care policies now make up the majority of insurance products sold today. However, because there are so many different types of products and how they fit into a client's situation, oftentimes retirees and pre-retirees can feel overwhelmed with where to start. I hope you...2023-08-1044 min

Only Fee-Only#60 - Delayed Gratification, Having Growth Goals, and Enjoying the Ride - Kevin LaoKevin's Bio:Hello! My name is Kevin Lao. I am first and foremost a family man. My amazing wife, Jessica, and I are blessed with three active boys. Tristan came first, and our twins, Julian and Jackson, a short 16 months later. They are my "why," and I do my best to lead by example and pursue my passions in hopes my boys pursue theirs. After spending my first 12 years in the financial services industry split between two fortune 500 companies, I developed an obsession for helping people plan for retirement. It sounds simple, but many people d...2023-08-1032 min

The Planning For Retirement PodcastEp. 22 Paying for Extended Care with Traditional Long-term Care Insurance (with Peter Ciravalo and Rodney Mogen)One commonly shared concern for all retirees and pre-retirees I've spoken to over the years: "Never be a burden on your loved ones." As we all go through the aging process, the potential need for extended care is more and more at the forefront. However, many pre-retirees and retirees fail to prepare for this because financial advisors focus more on selling products instead of real planning. In episode 17, Harley Gordon joined us to discuss the consequences of not planning for extended care. 2023-07-271h 01

The Planning For Retirement PodcastEp. 21 - Purpose in Retirement and the Purpose of this PodcastThe Wall Street Journal just came out with an article called "How to Retire Better, From Retirees Who Learned the Hard Way." What's interesting is that 2 of the 3 suggestions had NOTHING to do with money or finances! It was all about purpose and relationships. So, this podcast is dedicated to talking about this NON-financial topic, "Purpose in Retirement." Also, many of you are new listeners whom of course I've never met before! Welcome! As a result, I thought I would share my personal story on WHY I initially launched...2023-07-1330 min

The Planning For Retirement PodcastEp. 20 - How to Reduce Taxes on your Social Security IncomeDid you know your Social Security benefits in retirement could be 100% tax-free? Perhaps you didn't even know Social Security would be taxable as many of you paid into the system for decades! Today we will unpack how Social Security retirement benefits are taxed, and most importantly how to reduce taxes on those benefits in retirement. A few notes for the listeners: Provisional Income / Social Security Tax Rates for 2023 Individual Not Taxable: Less than $25k Up to 50% Taxable: $25k-$34k Up to 85...2023-06-2933 min

The Planning For Retirement PodcastEp. 19 - Tax Loss Harvesting to Create Tax Free Retirement IncomeSometimes "hanging tight" isn't the best solution during times of volatility. We've had two bear markets since the Great Recession of 2008. COVID-19 was the first, and the inflation that ensued thereafter in 2021-2022 led to the second. Tax Loss Harvesting involves selling investments when they are down in value (in a taxable account) to create a realized loss for tax purposes. You can then use these losses in current or future years (retirement) to reduce taxes! These opportunities don't come every year, so it's important to take advantage while you (still) can! 2023-06-1523 min

Retirement Planning Education, with Andy Panko#077 - Understanding cash value life insurance and how it's sold, with Kevin LaoAndy and Kevin Lao from Imagine Financial Security discuss when cash value (aka permanent) life insurance may be appropriate, and what to know about the sales processes around such productsLinks in this episode:Kevin's firm, Imagine Financial Security - https://imaginefinancialsecurity.com/Kevin's podcast, the "Planning for Retirement Podcast" - https://imaginefinancialsecurity.com/planning-for-retirement-podcast/2023-06-011h 02

The Planning For Retirement PodcastEp. 18 - Roth Conversion Strategy Could Save Over $427k in Taxes!Roth conversions are definitely gaining lots of popularity, especially with the Tax Cuts and Jobs Act of 2017 expiring in 2026. Because of this, I have noticed consumers believe they should automatically start converting their IRAs and 401ks to Roth accounts! First and foremost, you have to run the numbers. For every scenario that is a "home run" like the one I'll discuss today, there is a scenario where it does not make sense. Or, perhaps the time isn't right (yet). Make sure to check out this latest episode to hear the first of our three-part series from our recent educational workshop, "...2023-05-3121 min

The Planning For Retirement PodcastEp. 17 - The Consequences of Extended Care in Retirement (featuring Harley Gordon)Nobody wants to think of themselves as getting old or frail. In fact, many retirees in their 60s, 70s, and even 80s are still traveling the world. The risk of extended care will never impact them. But if you need extended care, what are the consequences to your loved ones? They are not just financial but physical and emotional. We are honored to have Harley Gordon join us on this episode, "The Consequences of Extended Care in Retirement." Harley is a founding member of the National Academy of Elder Law Attorneys (NAELA), and the founding...2023-03-2449 min

The Planning For Retirement PodcastEp. 16 - How to Prepare for Required Minimum Distributions (RMDs)It's natural for us to think about how to GET to retirement, but not about how retirement will actually work. The same is true for saving into a 401k or 403b plan. Most think about how to invest their 401k and maximize growth. However, what about the distribution process? And more importantly, what is the tax impact of those distributions? Taxes are our clients' #1 expense during retirement, and RMDs play a big part in tax planning. Naturally, I am a big advocate of having an RMD plan. 2023-03-0124 min

The Planning For Retirement PodcastEp. 15 - 2023 Market Outlook2022 was a tough year for both stocks and bonds. In fact, it was perhaps the worst year for a 60/40 portfolio, period. For retirees, this makes income planning very difficult! How do you combat record inflation when both stocks and bonds are falling? Additionally, the risk in stocks is likely not over as the fed continues its rate hike strategy, and a recession is likely. The good news is, there are opportunities for retirement investors! Tune in to hear more about our key opportunities for 2023. -Yield is back in fixed income -The value vs. growth...2023-01-2719 min

The Planning For Retirement PodcastEp. 14 - "Retirees - Stop Under-spending in Your Go-Go Years"As a financial professional who specializes in retirement, I would never tell a client to spend MORE than they can. However, I will tell them what they CAN spend while still maintaining their financial independence. Oftentimes, it's more than what they are currently spending, especially in the "Go-Go Years" of retirement. Why is this? Perhaps the fear of the "what if's" like long-term care, being a burden on their loved ones, not leaving a financial legacy, longevity concerns and more. In this episode, I'm joined by Justin Fitzpatrick, the Co-Founder of Income Lab. Income Lab is a retirement income planni...2022-09-1540 min

The Planning For Retirement PodcastEp. 13 - Planning for Healthcare Costs in Retirement - Medicare Considerations (featuring Ari Parker, Lead Medicare Advisor @ Chapter)Now that you have made the decision on when to retire, the next step is to figure out how to pay for healthcare expenses. This episode features Ari Parker, the Lead Medicare Advisor at Chapter. Chapter is a Medicare broker that specializes in helping people make important decisions on healthcare during retirement. Make sure to give us a follow so you don't miss out on our latest episodes!2022-08-2738 min $姥姥讲故事Grandma\'s story in Chinese$ 姥姥讲故事Grandma's story in Chinese儿童故事：不一样的打鸣 Children Story: The special rooster crowing公鸡凯文最大的烦恼是不能在早上打鸣。小朋友有没有烦恼呢？如果有什么事做得老不如别的小朋友好，你可能也会烦恼吧？听了这个故事，就不用再烦恼了。每个人都有自己擅长做的事，对自己有信心是最重要的。 Cock Kevin was upset about not being able to crow in the morning. But in the end he realized, everyone has something they are good at. Having confidence in themselves is the most important thing. 作者：妮娜.阿维莱斯 2022-08-2304 min

The Planning For Retirement PodcastEp. 12 - Should I pay off my mortgage early?First of all, paying off your mortgage early vs. investing the difference is not an apples to apples comparison. I don't know of any investments that provide a guaranteed return = to the mortgage interest rate in question. If you are comfortable with taking on the risk, you might be better off stretching that mortgage to 30 years and investing the surplus cash into a side fund. Additionally, this could provide liquidity along the way to access "just in case." However, there is something to be said for my clients that are mortgage and debt free...2022-08-1512 min

The Planning For Retirement PodcastEp. 11 - What is Tax Planning vs. Tax Preparation?Tax preparation is reactive, for the most part. Tax planning is proactive. Most people focus solely on tax preparation, which involves preparing necessary documents to file your taxes. Tax planning involves not only minimizing your tax liability today, but minimizing taxes when you start to draw on your investment assets and throughout your retirement years. We hope you enjoy this episode!2022-07-2225 min

The Planning For Retirement PodcastEp. 10 - Six Reasons to Take Advantage of Roth ConversionsAre you approaching retirement with the bulk of your next egg in tax deferred 401ks or IRAs? With so much uncertainty on where tax rates might head in the future, you might be wondering, "Should I take advantage of Roth conversions?" They are not for everybody, but in the right situation you could end up saving thousands, or even hundreds of thousands, of dollars in taxes during your lifetime. Additionally, your heirs will also benefit from a more tax efficient inheritance. I hope you enjoy this episode, which includes my interview with Kevin Geddings at WSOS 103.9 in St. Augustine!2022-04-2330 min

The Planning For Retirement PodcastEp. 9 - The 5 Most Common Estate Planning MistakesThe number one thing I hear from clients is they don't want to ever be a burden on their loved ones, and yet, I've seen a number of estate planning mistakes over the years. Fortunately, they never truly get exposed unless something unexpected happens. These 5 common estate planning mistakes can and should be addressed, and I always recommend seeking official legal counsel from a licensed attorney to do so! 2022-04-2215 min

The Planning For Retirement PodcastEp. 8 - What to do when stocks are volatile?Spoiler alert: The answer is NOT "do nothing." Volatility is a healthy part of investing! If there was no risk to it, there would not be the upside potential the stock market has provided for decades! Inevitably when the stock market is volatile, I field a bunch of questions on "what to do next?!" Nobody is complaining when markets are flying up with no volatility, but once we see that 10% or 20% dip, people start to pay attention. I decided to record this episode to shed light into what our practice looks like and how we navigate the good a...2022-01-2519 min

The Planning For Retirement PodcastEp. 7 - Retirement Income Withdrawal StrategiesA lot of people focus so much on retirement savings strategies and not enough on withdrawal strategies. Also, many people don't realize the withdrawal strategies begin years before you retire! I hope you enjoy this episode and begin to think about how your savings strategies now will impact your withdrawal strategies later. Additionally, if you are closer to retirement, hopefully you can begin to think about which strategy (or strategies) align with your personal preferences. Enjoy it!2022-01-0718 min

The Planning For Retirement PodcastEp. 6 - 4 Tax Strategies As We Approach Year EndIt's the end of the year, and most people are thinking about the holidays! Well, we think about tax efficiencies for our clients, so I wanted to share a few tips that you might want to consider as we approach the end of the tax year. This should not be taken as tax advice! Consult with your own professional tax advisors to determine what strategies make the most sense in your situation. Nonetheless, I hope you find it helpful. 2021-12-0719 min

Science and Spirituality106 | The Ancient Wisdom of Tai Chi Gung with Master Lama RasajiWe have the honor of having some truly amazing guests on this podcast and we love every minute with them. We learn so much from them and it is such a beautiful experience to share the space and the energy with others. In today’s episode we are especially honored to have a mesmerizing guest, Master Lama Rasaji with us. Master Lama Rasaji has an amazing story from his childhood into his early 20’s that led him down the path of such deep spirituality and ultimately becoming one of 12 Master Lamas in the world. His experience as a ch...2021-10-1253 min

The Planning For Retirement PodcastEp. 5 - What is a safe rate of withdrawal in retirement?The formula we use at our firm, Imagine Financial Security, is; Financial Goals + Risk Tolerance - Income Sources = Rate of Withdrawal. If you follow this logic, you will find a goals based rate of withdrawal that is customized to your financial plan, not some benchmark created by someone who knows nothing about you. Hope you enjoy it!2021-07-2912 min

KÊNH RADIO 1 - BÁO LAO ĐỘNG10 ngày, 20m2, tự cách ly và câu chuyện chiến đấu với COVID-19"Phản xạ con người bình thường ai cũng sợ chết, nhưng lúc đó tôi cảm nhận rằng tôi phải cố gắng, tôi phải cố gắng lên, tự động con người mình có sức mạnh chống lại mọi thứ...". Khi chia sẻ câu chuyện của mình với PV Báo Lao Động, từng câu nói của anh Kevin Do vẫn chứa đựng một tinh thần mạnh mẽ như đang đối diện với COVID-19, như thể chưa một khoảng khắc nào anh thôi nhắc n 2021-05-2708 min

The Planning For Retirement PodcastEp. 4 - Maximizing Social Security Benefits for RetirementSocial Security represents approximately 40% of all retiree's incomes. When to claim Social Security is ultimately unique to everyone, so I put this episode together to help you think about multiple factors before making a decision. 2021-05-2612 min

The Planning For Retirement PodcastEp. 3 - Four Stress Tests For A Bulletproof Retirement PlanIf your investment portfolio and retirement plan can pass these four stress tests, you will find yourself having more peace of mind in your retirement years than you could ever imagine. Take a listen and learn more about how we can help stress test your plans for retirement.2021-03-2231 min

The Planning For Retirement PodcastEp. 2 - The Tax Trap of Traditional 401ks and IRAsIn this episode we will address how accumulating significant savings into Traditional 401ks and IRAs can lead to a massive tax burden in retirement. Additionally, we will be addressing the provision in the SECURE Act which will change the way we view leaving these retirement plans to the next generation.2021-02-1225 min

Mondays Kept Me Fat - The Health and Weight Loss Show That Will Keep You StartedThe End - What Will That Last Weight Loss Step Look Like - Episode 002This week we’ll talk about THE END of your weight loss goals. What do you do when you are done with your weight loss goals? Read the full article that accompanies this podcast: https://mondayskeptmefat.com/2021/02/the-end “The journey of a thousand miles begins with one step.” (Lao Tzu). It’s a bit overused; that’s because it’s so spot-on! But, what’s on the end of the 1000 miles. No one talks about the last step. There’s 1000 miles (less two steps) between the “one step” and the “last step” and it’s the “last step” I want t...2021-02-0813 min

The Planning For Retirement PodcastEp. 1 - Introduction to The "Planning For Retirement" PodcastThis is our inaugural episode of the Planning For Retirement Podcast. Therefore, I want to simply introduce the WHY behind this podcast as well as let all of the listeners know about my background both personally and professionally. Lastly, I will tease the next episode content and hope you all enjoy what we are bringing to the table. 2021-02-0115 min

Inner Peace w/ Dr. ReeseThe Zen Way w/ Daizan RoshiIn episode # 59, Dr. Reese talks with zen master, Daizan. The conversation starts with one hand clapping and ends with the original face! In between, they discuss entering the stream, finding the pure land, sudden enlightenment vs gradual enlightenment, becoming a master of every situation and more. They also take a dive into the history of Guatama the Buddha, Lao Tzu, Zhuang Tzu, Bhodhidarma, Dogen, Jalaluddin Rumi and more. Dr. Reese Meditations Part 1 is available for download or stream: Spotify album link: https://spoti.fi/2XMNxF1 Apple album link: https://apple.co/2Yhja8S 2020-08-021h 00

Life in the Front Office Podcast Presented By Sports Business VenturesKevin Lao, Partner Manager at GoogleEp 2 on the Sports Biz Camps Series with Kevin Lao. We dive into his path, why he is involved, and why he believes in the mission of Sports Biz Camps.2020-03-1115 min

Inner Peace w/ Dr. ReeseThe Path of the Tao w/ Erik HarrisIn episode #16, Dr. Reese speaks with the earth walker, Erik Harris. They speak on his journey from altar boy to Taoist, his connection to nature, Lao Tzu, becoming a seeker of truth, Chinese medicine, Yoga becoming westernized and much more. Oh, and what the heck is a "FREEGAN?" --- Send in a voice message: https://podcasters.spotify.com/pod/show/drreese/message 2019-09-051h 17

Espresso CornerHow To Overcome Your Negative AssumptionsToday we talk about the importance of OVERCOMING your own NEGATIVE ASSUMPTIONS. It’s such a dangerous aspect of our life that can easily snowball out of control and be detrimental to the quality of our lives if we leave it unchecked. We define an assumptions as the act of coming to a conclusion without evidence to back it up. In this talk, we cover specific examples of how negative assumption can changed in three aspects that include: Personal Relationships Business Relationships Learning Capabilities We also share a concept (F.A.S.T.) created by...2019-07-1230 min

Discover the Top 100 Audiobooks in Self Development, Meditation500 quotes of Lao Tsu for meditation Audiobook by Tzu LaoPlease open https://hotaudiobook.com ONLY on your standard browser Safari, Chrome, Microsoft or Firefox to download full audiobooks of your choice for free. Title: 500 quotes of Lao Tsu for meditation Author: Tzu Lao Narrator: Katie Haigh Format: Unabridged Length: 1 hr and 36 mins Language: English Release date: 02-25-16 Publisher: Astorg Audio Ratings: 4.5 of 5 out of 10 votes Genres: Self Development, Meditation Publisher's Summary: Lao Tsu, also known as Lao Tzu or Laozi, is an ancient Chinese philosopher and sage, and an absolutely central figure in Asiatic culture. He is known as the author of the Tao Te Ching or Daodejing...2016-02-251h 36