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Showing episodes and shows of
Pastor Tom Mosley
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EASE Into Retirement
Episode 161: " How to Make a Retirement Budget | Retirement Planning
How do you make a Retirement Budget? In todayโs video, retirement expert Tom Mosley dives into the crucial components you need to include & why understanding these elements are key, no matter your financial situation.Jump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐TIMESTAMPS00:00 Why You Need a Budget in Retirement01:30 3 Crucial Items Need to Put Together a Budget01:50 Element #102:45 Element #203:40 Element #304:47 How to Put Together Your Budget06:54 What You Need to Adjust as You Dive into Retirement09:03 In all Honesty, how a Financial Advisor Can Help10:20 How to Use Your Budget to Create a Retirement PlanHave specific questions for Tom and the team at Mosley Wealth Management? Cont...
2025-06-25
11 min
EASE Into Retirement
Episode 157: "Avoid Chaos! What to Prepare Now to Help Family Later"
Donโt Leave Your Family in the DarkโPrepare These Vital Documents Today!Imagine your family needing critical information in an emergencyโand not knowing where to find it. Whether youโre incapacitated or gone, your loved ones will face major challenges unless youโve prepared the right documents.In this episode, Tom Mosleyโretirement expert and former ministerโdraws on over 50 years of experience to guide you through an essential list of items your family needs access to when the unexpected happens.๐ Youโll learn:โข The most important ID and financial documents to gatherโข What medical and legal paperwork is essentialโข Real stor...
2025-05-28
09 min
EASE Into Retirement
Episode 155: "Social Security Strategies for Singles - When You're Flying Solo into Retirement"
Are you single and nearing retirement? Then your Social Security strategy could make or break your retirement income. In this episode, we dive into Social Security strategies for single individualsโthose who donโt have a spouse to rely on for spousal or survivor benefits. Retirement expert Tom Mosley explains why when you claim Social Security matters even more when youโre flying solo, and how to avoid common mistakes that could cost you thousands over your lifetime.๐ In this episode, youโll learn:โขWhy delaying your benefit may be your best financial moveโขHow to protect against longevity risk as a single ret...
2025-05-14
10 min
Right On The Money Radio Show with Tom Mosley
Episode 77: "Need to Tap Your Retirement Early? 20 Ways to Avoid the 10% Penalties
Taking money out of your retirement accounts before age 59 ยฝ usually triggers a 10% early withdrawal penalty โ the good news is there are actually 20 (and soon to be 21) instances where you can AVOID the penalty!In part 2 of our 2-Part series, retirement experts Tom Mosley and Kristin Oakley walk you through more of the real-life situations where early withdrawals from your IRA, 401K, 403(b), and other โ4-plansโ may be penalty-free. From first time home buying to Higher Education and medical expenses, discover the little-known exceptions that can help you access your retirement funds without getting hit with an extra tax bill.If youโre...
2025-05-08
50 min
EASE Into Retirement
Episode 154: "Under 59ยฝ? Hereโs How to Take Money from Your IRA or 401(k) Without Penalties"
Thinking about tapping into your retirement savings before age 59ยฝ? Be careful โ early withdrawals from your IRA, 401(k), 403(b), or other retirement accounts usually come with a 10% penalty... but there are exceptions you need to know.In this video, retirement expert Tom Mosley breaks down real-life scenarios where you can access your retirement money early โ without paying that extra tax hit. Whether you're facing a medical emergency, a job loss, or other financial crisis, knowing your options could save you thousands.๐ This video is essential for anyone under 59ยฝ who may need to withdraw retirement funds but wants to avoid costly mistakes.๐ฏ Wh...
2025-05-07
13 min
Right On The Money Radio Show with Tom Mosley
Episode 76: "When Life Forces You to Tap Your Retirement Accounts: How to Avoid Early Withdrawal Penalties"
Taking money out of your retirement accounts before age 59 ยฝ usually triggers a 10% early withdrawal penalty โ but what if life gives you no choice?In this episode retirement experts Tom Mosley and Kristin Oakley walk you through the real-life situations where early withdrawals from your IRA, 401K, 403(b), and other โ4-plansโ may be penalty-free. From medical emergencies to disaster relief, discover the little-known exceptions that can help you access your retirement funds without getting hit with an extra tax bill.If youโre facing a financial emergency โ or just want to be prepared โ this episode is a must listen. Youโll learn how to ma...
2025-05-01
53 min
EASE Into Retirement
Episode 153: "10 Steps to Retirement!"
Want to Retire? Are you Ready? Check out Tomโs list of the 10 most crucial things you must know so you can retire! With nearly 30 years in the retirement industry, Tom has a deep understanding of what is vital to creating a successful and happy retirement. Having guided retirees through changing Social Security rules, fluctuating tax rates, economic ups and downs, and unexpected events like the pandemic, Tom has curated a list of THE MOST IMPORTANT STEPS you need to take to create a retirement that reflects your goals and dreams while also weathering the ups and downs of life.
2025-04-30
17 min
Right On The Money Radio Show with Tom Mosley
Episode 75: "When Should You Take Social Security? Don't Miss These Critical Tips"
Knowing how and when to claim your Social Security is one of the most important retirement decisions youโll make. In todayโs video, retirement expert Tom Mosley breaks down the key things you need to consider before locking in your benefits.โขThe truth on Social Security โgoing brokeโ โ whatโs fact vs. fictionโขHow to determine the best age to claim Social Security for your situationโขWhy you wonโt get personalized advice from the Social Security AdministrationโขSocial Security strategies for married couplesโขClaiming strategies if your single or divorcedClaiming Social Security is not one-size-fits-all. Your income needs, longe...
2025-04-24
54 min
Right On The Money Radio Show with Tom Mosley
Episode 74: "Riding The Financial Rollercoaster in Retirement โ How to Stay on Track When Markets Take a Dive"
Rollercoasters can be fun - until they arenโt. ๐ง๐ต๐ฎ๐โ๐ ๐ฒ๐๐ฝ๐ฒ๐ฐ๐ถ๐ฎ๐น๐น๐ ๐๐ฟ๐๐ฒ ๐๐ต๐ฒ๐ป ๐ถ๐ ๐ฐ๐ผ๐บ๐ฒ๐ ๐๐ผ ๐ฟ๐ฒ๐๐ถ๐ฟ๐ฒ๐บ๐ฒ๐ป๐ ๐ถ๐ป๐๐ฒ๐๐๐ถ๐ป๐ด ๐ฑ๐๐ฟ๐ถ๐ป๐ด ๐บ๐ฎ๐ฟ๐ธ๐ฒ๐ ๐ฑ๐ผ๐๐ป๐๐๐ฟ๐ป๐. While the ride up is exhilarating, the dips can leave you anxious & fearful. In this episode, retirement expert Tom Mosley shares practical tips and strategies to help you navigate market volatility in retirement without derailing your plans. โ Learn why going to cash could be one of the worst movesโ Discover the power of diversification during uncertain timesโ Understand your personal risk tolerance and capacityโ Explore income strategies and annuity optionsโ Protect your nest egg from sequence of returns risk#RetirementPlanning #MarketVolitility #RetirementIncome #InvestinginRetirement #RetirementRisks #BudgetingForRetirement #SequenceOfReturnsRisk #DiversificationJump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐TIMESTAMPS00:00 Riding the Financial Rollercoaster in Retirement16:37 The consequences of moving to cash when the market goes down.22:45 Why diversifying is key to riding the financial...
2025-04-17
53 min
EASE Into Retirement
Episode 151: "3 Ways to Respond to Market Chaos from Trump Tariffs "
๐๐ ๐๐ต๐ฒ ๐ ๐ฎ๐ฟ๐ธ๐ฒ๐ ๐๐ต๐ฎ๐ผ๐ ๐ณ๐ฟ๐ผ๐บ ๐๐ต๐ฒ ๐ง๐ฟ๐๐บ๐ฝ ๐ง๐ฎ๐ฟ๐ถ๐ณ๐ณ๐ ๐ฝ๐๐๐ต๐ถ๐ป๐ด ๐๐ผ๐๐ฟ ๐ฟ๐ฒ๐๐ถ๐ฟ๐ฒ๐บ๐ฒ๐ป๐ ๐๐ฎ๐๐ถ๐ป๐ด๐ & ๐ฟ๐ฒ๐๐ถ๐ฟ๐ฒ๐บ๐ฒ๐ป๐ ๐ฝ๐น๐ฎ๐ป๐ ๐ณ๐๐ฟ๐๐ต๐ฒ๐ฟ ๐ผ๐๐ ๐ผ๐ณ ๐ฟ๐ฒ๐ฎ๐ฐ๐ต? Are you losing sleep and wondering โwhat now?โ In todayโs video, retirement expert Tom Mosley breaks down 3 smart strategies to help you respond to the current market volatility and protect your retirement plan. Donโt let fear or market chaos derail your retirement dreams. Watch now and take control of your future.Jump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐TIMESTAMPS00:00 3 Ways You Can Respond to the Market Chaos from the Trump Tariffs01:20 Do nothing03:13 Reasons doing nothing may not work for you.04:05 Rework your retirement plan now to protect for the future07:59 The best time to rework a retirement plan09:24 Take this risk assessment12:15 Investigate recovery products16:55 What to do nextHave specific questions for Tom and the team at Mosley Wealth Management? Contact us here ๐ https://mosleywealthmanagement.com/contact/ ===============================================If you enjoy this content, please ๐๐๐๐๐๐๐๐๐! htt...
2025-04-16
17 min
EASE Into Retirement
Episode 150: "Thinking About a ROTH Conversion While the Marketโs Down? Watch This First!"
Are you thinking about doing a ROTH conversion while the marketโs down? While it may seem like the best time to do a ROTH conversion and make a smart tax move, there are some major pitfalls you HAVE to be aware so you donโt blow up your retirement! In todayโs video, Tom breaks down three critical ways a ROTH conversion can go wrong and potentially derail your retirement plans if not handled with care.Tom uncovers the hidden dangers, including how a ROTH conversion can:โ Push you into a higher tax bracketโ Increase your Medicare Part B and D prem...
2025-04-09
16 min
EASE Into Retirement
Episode 149: "5 Crucial Steps to Retire Successfully in 5 years"
๐๐ฟ๐ฒ ๐๐ผ๐ ๐ฝ๐น๐ฎ๐ป๐ป๐ถ๐ป๐ด ๐๐ผ ๐ฟ๐ฒ๐๐ถ๐ฟ๐ฒ ๐ถ๐ป ๐๐ต๐ฒ ๐ป๐ฒ๐ ๐ ๐ฑ ๐๐ฒ๐ฎ๐ฟ๐? Whether you're aiming for early retirement in your 50s or holding off until your 60s or 70s, there are critical steps you MUST take now to secure the retirement youโve always dreamed of. ๐In this video, retirement expert Tom Mosley reveals 5 essential steps you need to take before making the big transition. From identifying your income sources to reducing debt, managing risk, tackling taxes, and polishing your plan, these tips will help you build a solid retirement foundation.โ If youโre serious about creating a successful retirement, donโt miss these 5 crucial steps! Start planning now to achieve the retirement lifestyle you deserve.๐ Timestamps โ Jump to any segment below!00:00 Intro00:20 ๐ Step 1: Ide...
2025-04-02
07 min
EASE Into Retirement
Epsisode 147: "Could Your State & Local Tax Deductions Change this Year? The Great SALT Deduction Shake-Up!
In this video, Tom breaks down the latest updates on State and Local Tax (SALT) deductions and the potential shake-up that could happen if Congress revisits the Tax Cut & Jobs Act this year. If changes are made, your tax billโand your deductionsโcould look very different.๐ Tom explains:โขHow the current SALT deduction limits impact taxpayersโขWhat could happen if Congress makes a moveโขAnd one key tip you can consider now to potentially save money if the rules changeDon't miss this timely discussion to stay ahead of potential tax changes and protect your financial future!๐ Subscribe for mo...
2025-03-19
09 min
Right On The Money Radio Show with Tom Mosley
Episode 65: "Retirement Reality Check: Taxes, Risk & Social Security Explained"
Retirement is about more than just saving moneyโitโs about creating a strategy that helps you keep more of what youโve earned. In this episode, retirement experts Tom Mosley & Kristin Oakley tackle three critical topics that can make or break your retirement: Taxes, Risk, and Social Security.๐น Taxes: Planning vs. Preparation โ Are you an archeologist or an architect when it comes to your retirement taxes? Too many people focus on tax preparation (looking at the past) instead of tax planning (designing the future). We discuss how the right approach can help you keep more money in your pocket.๐น Unde...
2025-02-13
54 min
Right On The Money Radio Show with Tom Mosley
Episode 64: "The Case for Semi-Retirement (the greatest life hack ever?)"
Are you ready to rethink retirement? For decades, the traditional path has been to work hard until your 60s, then retire completely. But with longer life expectancies and the desire for better work-life balance, this all-or-nothing approach may no longer make sense. In this episode Tom & Kristin dive into why semi-retirement could be your best financial and personal move. Weโll explore the benefits of semi-retirement when it comes to Social Security, retirement savings, tax strategies, and how it allows you to stay engaged with work without burning out. Plus, weโll talk about the emotional benefitsโhow easing into retire...
2025-02-06
53 min
Right On The Money Radio Show with Tom Mosley
Episode 62: "Financial Items You Must Address for Retirement"
Planning for retirement goes beyond saving moneyโit's about having a strategy to tackle the big challenges. In this episode, retirement experts Tom Mosley and Kristin Oakley cover: โ Taxes: Strategies to minimize your tax burden. โ Inflation: Tips to protect your purchasing power. โ Longevity: Solutions to avoid running out of money. โ The Power of a Plan: How a well-crafted retirement blueprint can address these issues and more. Don't leave your future to chanceโlearn how to build a retirement you can count on! Tune in now to start planning with confidence. Jump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐ TIMESTAMPS 00:00 Financial Items You Have to Address for Retirement 03:25 Taxes 08:57 L...
2025-01-23
54 min
Right On The Money Radio Show with Tom Mosley
Episode 60: "Preparing for Retirement Under the Trump Administration"
In todayโs show we dive into ๐๐ผ๐ ๐๐ผ ๐ฃ๐ฟ๐ฒ๐ฝ๐ฎ๐ฟ๐ฒ ๐ณ๐ผ๐ฟ ๐ฅ๐ฒ๐๐ถ๐ฟ๐ฒ๐บ๐ฒ๐ป๐ ๐จ๐ป๐ฑ๐ฒ๐ฟ ๐๐ต๐ฒ ๐ง๐ฟ๐๐บ๐ฝ ๐๐ฑ๐บ๐ถ๐ป๐ถ๐๐๐ฟ๐ฎ๐๐ถ๐ผ๐ป" In this non-political episode, retirement experts Tom Mosley and Kristin Oakley explore the potential changes that could impact your financial future. From tax policy shifts and Social Security adjustments to healthcare reforms and the effect of lower interest rates, we break down how these factors could shape your retirement planning. We'll also discuss corporate tax cuts, raised tariffs, and provide some actionable steps you can take now to weather these changes and secure a resilient retirement. Jump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐ TIMESTAMPS 00:00 How to Prepare for Retirement Under the New Administration 07:05 Potential impact from Tax policy changes? 18:50 Impact from Social Security changes 23:18 Action items re: Social Security if youโre retiring in 5 to 10 years 36:05 Healthcare & the new administration 41:10...
2025-01-09
54 min
EASE Into Retirement
Episode 137: "3 Ways a ROTH Conversion Can Ruin Your Retirement!"
Considering a ROTH conversion as part of your retirement strategy? While it can be a powerful tool for creating tax-free income in retirement, itโs not without risks. In todayโs video, Tom breaks down three critical ways a ROTH conversion can go wrong and potentially derail your retirement plans if not handled with care. Tom uncovers the hidden dangers, including how a ROTH conversion can push you into a higher tax bracket, increase your Medicare Part B and D premiums, and impact your capital gains taxes in unexpected ways. He also shares two real-life examples of situations where ROTH...
2025-01-08
16 min
Right On The Money Radio Show with Tom Mosley
Episode 59: "Revamp Your Retirement in Just 12 Months"
Make 2025 the year you revamp your retirement! According to the 2022 Federal Reserve Survey of Consumer Finances, the average retirement savings for people 55-64 is $537,000, with the Median Retirement Savings only being $185,000. For those 65-74 the average is 609,000, with a Median of $200,00. If you hear these stats and feel that you are behindโฆyouโre not alone. The good news is that you can use this year to take important steps to improve your retirement and improve on what you have. Today, weโre sharing tips on how to REVAMP Your Retirement in just 12 Months. Tom & Kristin outline some specific strate...
2025-01-02
54 min
EASE Into Retirement
Episode 136: "How to Get Retirement Ready in 2025"
2025 is the perfect year to get retirement ready and take charge of your finances! Whether you're a few years away or already in retirement, the steps you take now can make a lasting difference. In todayโs show retirement expert Tom Mosley walks you through a basic but thorough check list of the key steps you need to take now to be retirement ready! Whether you're close to retiring or just starting to plan, these action items will help put you on the road to a successful retirement in 2025. Letโs dive in! Jump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐ TIMESTAMPS 00:00 How to Get Retirement Ready in 2025...
2025-01-01
21 min
Right On The Money Radio Show with Tom Mosley
Episode 58: "Things That Can Wreck Your Retirement & How to Prepare for Them"
In todayโs episode, weโre diving into some of the biggest, most costly surprises that can wreck your retirement. More importantly, Tom & Kristin provide you with practical steps you can take to help you either avoid or minimize the impact of these challenges. As the great John Wooden said, โFailing to prepare is preparing to fail.โ Check out todayโs show, and secure the tips and motivation you need to prepare for your retirement! Jump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐ TIMESTAMPS 00:00 Things That Can Wreck Retirement & How to Plan For Them 07:45 Practical tips to take now 15:15 Inflation 20:18 Health Crises & Long-Term Care Needs 27:08 Market Volatility & Ec...
2024-12-26
54 min
EASE Into Retirement
Episode 135: "10 Things You Have to Know to Retire!"
Is retirement on your mind? If so, you need to check out Tomโs list of the 10 most crucial things you have to know so you can retire! With nearly 30 years in the retirement industry, Tom has gained a deep understanding of what is vital to creating a successful and happy retirement. Having guided retirees through changing Social Security rules, fluctuating tax rates, economic ups and downs, political changes of power, and unexpected events like the pandemic, Tom has curated a list of THE MOST IMPORTANT THINGS you need to know and act on so you can create a retirement th...
2024-12-25
18 min
Right On The Money Radio Show with Tom Mosley
Episode 57: "When Should You File for Social Security? "
Deciding when to file for Social Security is one of the most important financial decisions youโll make in retirement. In todayโs show, retirement experts Tom Mosley and Kristin Oakley provide a comprehensive overview of Social Security filing ages and explain the key differences between maximization and optimization strategies. They break down the Social Security break-even point and what it means for your long-term benefits. Additionally, Tom addresses specific considerations for those who are married or widowed, offering guidance to help you make the best decision for your unique situation. Whether youโre planning ahead or approaching retirement, this show w...
2024-12-19
54 min
EASE Into Retirement
Episode 134: "How to Create a Retirement Plan"
If you want to know what needs to be in a retirement plan, this video is for you! Today, Tom explains how to build a retirement plan by outlining the the key elements you must include in creating a comprehensive strategy for your golden years. You'll learn the difference between retirement investments and a retirement plan, and then be guided into the 6 essential components that must be addressed and included to create a retirement plan that is truly comprehensive and holistic. Letโs face it, if you want to live your best retirement life free from financial stress, you must ha...
2024-12-18
10 min
Right On The Money Radio Show with Tom Mosley
Episode 55: "30 Years Advising โ Here are the 10 Things I Want Everyone to Know About Retirement - PART 3 "
After working nearly 30 years in the retirement industry retirement expert Tom Mosley shares his list of the most vital things every person needs to know as they approach retirement. This week, in part 3 of a 3-part series, Tom recaps the first 8 items and dives into the final two: Estate Planning & Taxes. From Social Security changes to tax rate fluctuations, the housing bubble, market downturns, and even the pandemic, Tom has helped guide clients through the ups and downs of retirement planning. Tune in as Tom shares his passion and 30 years of knowledge to reveal the crucial things you need to...
2024-12-05
54 min
Right On The Money Radio Show with Tom Mosley
Episode 54: "30 Years Advising โ Here are the 10 Things I Want Everyone to Know About Retirement - PART 2 "
After working nearly 30 years in the retirement industry retirement expert Tom Mosley shares his list of the most vital things every person needs to know as they approach retirement. This week, he recaps the first 5 and dives into the second half. From Social Security changes to tax rate fluctuations, the housing bubble, market downturns, and even the pandemic, Tom has helped guide clients through the ups and downs of retirement planning. Tune in as Tom shares his passion and 30 years of knowledge to reveal the crucial things you need to address now so you can create the retirement of your...
2024-12-04
54 min
Right On The Money Radio Show with Tom Mosley
Episode 53: "30 Years Advising โ Here are the 10 Things I Want Everyone to Know About Retirement "
After working nearly 30 years in the retirement industry retirement expert Tom Mosley has come up with a list of the most vital things every person needs to know as they approach retirement. From Social Security changes to tax rate fluctuations, the housing bubble, market downturns, and even the pandemic, Tom has helped guide clients through the ups and downs of retirement planning. Today, Tom incorporates his passion and 30 years of knowledge and shares the most crucial things you need to address so you can create the retirement of your dreams. Jump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐ TIMESTAMPS 00:00 What Every Person Should Know About Retirement 11:25 There Will be...
2024-12-04
53 min
Right On The Money Radio Show with Tom Mosley
Episode 51: "Common RMD Mistakes: What they Are & How to Avoid Them "
Building up your retirement savings takes decades of hard work, but one misstep with Required Minimum Distributions (RMDs) can lead to massive penalties. In todayโs show, retirement experts Tom Mosley and Kristin Oakley share the most common RMD mistakes and how people make them. They also provide solid tips on steps you can take to avoid so you can protect your savings from costly errors and unnecessary taxes. Jump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐ TIMESTAMPS 00:00 Common RMD Mistakes โ What They Are & How to Avoid Them 00:00 Overview of what RMDs are 15:15 How to estimate what your RMD Tax liability Could Be 17:43 Missing the RMD Deadline 23:30 Not Calcula...
2024-12-04
53 min
Right On The Money Radio Show with Tom Mosley
Episode 50: " Biggest Hidden Retirement Costs โ Part 2 "
When it comes to retiring thereโs a reality many fail to consider, hidden retirement costs! These surprise costs can catch you off guard and potentially derail your financial security. From the rising costs of Long-Term Care, including Medicare premiums and out-of-pocket expenses, to the costs of downsizing, or losing a spouse, retirement isn't always as straightforward or as easy as it seems. In todayโs show, retirement experts Tom Mosley and Kristin Oakley dive into โPart 2โ of the lesser-known expenses that could catch you off guard in retirement and share what you can do now to stay ahead of them. Le...
2024-12-04
54 min
Right On The Money Radio Show with Tom Mosley
Episode 49: "Biggest Hidden Retirement Costs"
When it comes to retiring thereโs a reality many overlook: the hidden retirement costs! These surprise costs can catch you off guard and potentially derail your financial security. From the rising costs of healthcare, including Medicare premiums and out-of-pocket expenses, to the taxes on Social Security benefits and retirement accounts that can eat into your incomeโretirement isn't always as straightforward as it seems. In todayโs show, retirement experts Tom Mosley and Kristin Oakley dive into the lesser-known expenses that could catch you off guard in retirement and share what you can do now to stay ahead of them...
2024-12-04
53 min
Right On The Money Radio Show with Tom Mosley
Episode 48: "10 Things to Do to Prepare for Retirement in Uncertain Times"
How do you prepare for retirement when everything is so uncertain? International tensions are rising, taxes and Social Security policies are hanging in the balance, inflation is hitting our wallets, and our national debt has soared to an eye-watering $35 trillion. And if thatโs not enough, the market is as volatile as ever. For anyone trying to plan their retirement, itโs a lot to take in. In todayโs show, retirement experts Tom Mosley and Kristin Oakley walk you through 10 actionable steps you can take right now to prepare for retirement in these uncertain times. Letโs turn fear into act...
2024-12-04
54 min
Right On The Money Radio Show with Tom Mosley
Episode 47: "Retirement Financial Check list: Are You Ready?"
As were entering that last part of the year, it's the perfect time to do a financial check-up and make sure you're on track to meet your retirement goals. In today's video, Tom & Kristin walk you through a Financial Check-Up List with eight key steps you can take right now to set yourself up for success before the year ends. They cover everything from maximizing your retirement contributions and adjusting your tax withholding to rebalancing your investment portfolio, making charitable contributions, planning for health-related expenses, and reviewing your insurance coverage. So, stick aroundโthis is going to be packed with ac...
2024-12-04
53 min
Right On The Money Radio Show with Tom Mosley
Episode 46: "Balancing Debt & Saving for Retirement"
How do you save for retirement while also trying to pay off lingering debt? Itโs a tough dilemma that many pre-retirees and retirees find themselves facing these days. In fact, itโs a balancing act that can feel really overwhelming, especially with market uncertainties, inflation, and rising costs. But here's the truthโboth goals are possible with the right strategy. In this video, retirement experts Tom Mosley and Kristin Oakley unpack some practical steps you can implement now to help you navigate this challenging financial landscape & secure your future without sacrificing your present. Jump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐ TIMESTAMPS 00:00 Balancing Debt & Saving for Retiremen...
2024-12-04
54 min
Right On The Money Radio Show with Tom Mosley
Episode 45: "The Biggest Regrets of Retires - Part Two"
In the second half of our two-part series, we dive even deeper into The Biggest Regrets of Retirees! Are you unknowingly setting yourself up for retirement disappointment? Donโt miss out as retirement experts Tom Mosley and Kristin Oakley reveal some of the most common regrets that retirees face, including: โขTaking Social Security too early โขIgnoring inflation โขOverlooking tax implications โขFailing to start a Roth account sooner โขLacking a clear retirement lifestyle plan โขNeglecting relationships and experiences โขSkipping estate planning But itโs not just about what went wrongโTom and Kristin offer smart solutions you can take right now to avoid these pitfa...
2024-12-04
54 min
Right On The Money Radio Show with Tom Mosley
Episode 44: "Stop โShouldingโ on Yourself! The Biggest Regrets of Retirees! "
Are you making the same mistakes that leave retirees saying, "I should have...?" In this episode of Right on the Money, retirement experts Tom Mosley and Kristin Oakley dive into the importance of having a retirement plan and uncover the 4 biggest regrets many retirees face: โขNot saving enough money โขNot starting early enough โขMaking poor investment decisions โขUnderestimating healthcare costs Tom & Kristin also provide solid solutions on what you can do now to ensure you donโt make the same mistakes. Don't wait until it's too late! Learn how to avoid these common pitfalls and secure a more comfortable and stress-fre...
2024-12-04
53 min
Right On The Money Radio Show with Tom Mosley
Episode 43: "Retirement Accounts You Need to Know & Have"
Planning for a successful retirement requires more than just savingโitโs about knowing which key accounts to set up and manage throughout your retirement journey. Each account plays a unique role in helping you meet your financial goals, from day one of retirement to your later years. In this episode, retirement experts Tom Mosley and Kristin Oakley walk you through the essential retirement accounts you need to have organized. Theyโll break down why each account matters and how it fits into a personalized strategy to achieve your retirement dreams. Whether youโre just beginning to think about retirement or are p...
2024-12-04
54 min
Right On The Money Radio Show with Tom Mosley
Episode 41: "Is It Time to Retire NOW?"
Are you wondering if now is the right time to retire? In todayโs show, retirement experts Tom Mosley and Kristin Oakley explore the key factors that can help you make this life-changing decision. Whether youโre being forced to retire or feel like now is the time to do it, Tom & Kristin share tips on how to evaluate your financial readiness while considering your health, family, and personal goals. Theyโll also outline the key challenges you need to consider as you determine whether itโs โtime to retire.โ Jump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐ TIMESTAMPS 00:00 Is it time to retire? 02:04 What to do if youโre being forced to retire...
2024-12-04
54 min
Right On The Money Radio Show with Tom Mosley
Episode 40: "Why People are Running Out of Money in Retirement"
Whether you're a GenY, Millennial, GenXer, or Boomer, one of the biggest fears is running out of money in retirement. In this episode, retirement experts Tom Mosley and Kristin Oakley dive deep into the reasons why so many people face this daunting reality. From the average savings per age group to the impact of longer lifespans, we explore the critical factors contributing to financial shortfalls in retirement. We'll discuss: โขHow living longer is affecting retirement. โขThe effects of 30.4 million Americans turning 65 by 2030. โขSpecific reasons why people are running out of money, such as insufficient savings, inflation, unexpected expenses, healthcare, long-term care c...
2024-12-04
53 min
Right On The Money Radio Show with Tom Mosley
Episode 39: "ROTH IRAs & ROTH Conversions - What, How, Why, & When
Roth IRAs and Roth Conversions play a crucial role in effective retirement planning. In this weekโs show, retirement experts Tom Mosley and Kristin Oakley cover the important what, howโs, whyโs and whenโs of ROTHs. They break down the tax advantages, compare Roth IRAs with Traditional IRAs, and explore why a Roth conversion might be a smart move for securing your financial future. Theyโll also touch on contribution limits, the process of converting to a Roth, and some key considerations, including when a Roth conversion might not be the best option. Listener questions and the latest updates fr...
2024-11-18
53 min
Right On The Money Radio Show with Tom Mosley
Episode 38: "Everything You Needed to Know About RMDs Part 2: Strategies for Optimizing Your Withdrawals
RMDs (Required Minimum Distributions) are an important but often overlooked aspect of retirement planning. They represent the minimum amount you must withdraw annually from your retirement accounts starting at age 73 (as of now). While the concept seems simple, the execution can be complex. ย In today's episode, retirement planning experts Tom Mosley and Kristin Oakley continue their in-depth exploration of RMDs. Theyโll guide you through various strategies to optimize your distributions, ensuring you make the most of your retirement savings. ย Jump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐ TIMESTAMPS 00:00 Everything You Want to Know About RMDs โ Part 2 01:30 RMD โ 10 Strategies to take Distributions: Recap from last week on #1 & #2 03:00 #3 How to use a QC...
2024-11-18
52 min
Right On The Money Radio Show with Tom Mosley
Episode 37: "Everything You Wanted to Know About RMDs"
What is an RMD? An RMD, or Required Minimum Distribution, is the amount you must withdraw from your retirement qualified plan accounts each year after turning 73 (as of now!). While the letters might seem simple, RMDs themselves are anything but! In todayโs show, retirement planning experts Tom Mosley and Kristin Oakley dive deep into the complexities of RMDs, answering all the questions youโve been too afraid to ask. Understanding the ins and outs of RMDs and the ever-changing rules surrounding them is crucial โ you don't want to face those massive IRS penalties ๐ฅ. Tom and Kristin help clarify: โ What RMDs are โ H...
2024-11-18
52 min
Right On The Money Radio Show with Tom Mosley
Episode 36: "Risks You'll Face in Retirement - Part 4 of a 4 Part Series"
Risk /risk/ (noun): A situation involving exposure to danger. (verb): To expose someone or something valued to danger, harm, or loss. Facing retirement can be intimidating, with a host of risks that can make the future seem uncertain. However, it doesnโt have to be this way. In our special 4-part series, financial experts Tom Mosley and Kristin Oakley examine the key risks that individuals encounter as they prepare for retirement. In this fourth installment, we focus on Withdrawal Rate risk, Long Term Care risk, Social Security risk, and the risk associated with Scams targeting Seniors. Tom and Kristin will no...
2024-10-31
52 min
Right On The Money Radio Show with Tom Mosley
Episode 35: "Risks You'll Face in Retirement - Part 3 of a 4 Part Series"
Risk /risk/ (noun): A situation involving exposure to danger. (verb): To expose someone or something valued to danger, harm, or loss. Facing retirement can be intimidating, with a host of risks and uncertainties that can make the future seem uncertain. However, it doesnโt have to be this way. In our special 4-part series, financial experts Tom Mosley and Kristin Oakley examine the key risks that individuals encounter as they prepare for retirement. In this third installment, we focus on two crucial risks: Taxation (including those that you face with out of state moves, income, property, and RMDโs). They also...
2024-10-31
51 min
Right On The Money Radio Show with Tom Mosley
Episode 34: "Risks You'll Face in Retirement - Part 2 of a 4 Part Series"
Risk /risk/ (noun): A situation involving exposure to danger. (verb): To expose someone or something valued to danger, harm, or loss. Facing retirement can be intimidating, with a host of risks and uncertainties that can make the future seem uncertain. However, it doesnโt have to be this way. In our special 4-part series, financial experts Tom Mosley and Kristin Oakley examine the key risks that individuals encounter as they prepare for retirement. In this second installment, we focus on three crucial risks: market volatility, sequence of returns, and interest rates. Tom and Kristin will not only highlight these ri...
2024-10-31
51 min
Right On The Money Radio Show with Tom Mosley
Episode 33: "Risks You'll Face in Retirement - Part 1 of a 4 part Series"
Risk /risk/ (noun): A situation involving exposure to danger. (verb): To expose someone or something valued to danger, harm, or loss. Retirement can be a daunting prospect, filled with a myriad of risks and uncertainties that can feel overwhelming. However, it doesnโt have to be. In our special 4-part series, financial experts Tom Mosley and Kristin Oakley delve into the most significant risks facing individuals as they approach retirement. In the first part of our series, weโll explore three critical risks: the risk of longevity, the risk of inflation, and the risk of healthcare costs. Tom and Kris...
2024-10-31
52 min
Right On The Money Radio Show with Tom Mosley
Episode 32: "Overcoming Retirement Fears So You Can Enjoy Retirement!
Are you approaching retirement and feeling uncertain about what lies ahead? Youโre not alone. Retirement is a significant life transition that can bring a blend of anxiety, fear, and excitement. In todayโs show, financial experts Tom Mosley and Kristin Oakley delve into the biggest fears you may face as you enter retirement. They provide practical financial strategies and tips to minimize these fears, ensuring you can fully enjoy your retirement years. Jump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐ TIMESTAMPS 00:00 Overcoming Retirement Fears So You Can Enjoy Retirement 06:44 The Fear of Outliving Your Savings 13:45 The Fear of Spending Your Money 14:46 The Fear of Market Volatility 19:42 The Fear of Hea...
2024-10-31
52 min
Right On The Money Radio Show with Tom Mosley
Episode 30: "Everything You Need to Know about Generational Wealth"
In todayโs show, financial experts Tom Mosley and Kristin Oakley dive deep into the buzzworthy topic of Generational Wealth. With Baby Boomers now holding over 50% of the total wealth in the United States, understanding how to build and preserve wealth across generations has never been more crucial. Join Tom and Kristin as they explore the essentials of Generational Wealth, offering valuable insights and strategies: ๐ง Why is Generational Wealth the New Buzzword? Discover the driving forces behind this trending concept. ๐ฆ Steps to Create Generational Wealth: Learn actionable strategies to build a lasting financial legacy. ๐ก Maximize Your Inheritance: If you receive an...
2024-10-31
53 min
EASE Into Retirement
Episode 127: "What To Do With My 401K When I Leave My Job?"
Whether you leave a job or are retiring, you'll need to decide what to do with your 401K. In this video, retirement expert Tom Mosley shares 4 options you have to maximize your 401(k) when you leave your job, including the pros and cons of each option. He also discusses how timing is a crucial factor in determining the best choice for your specific situation. If you're anticipating leaving your job, have recently been laid off, or are even considering retirement, educate yourself on these 401(k) options so you can make the best decision for your financial future. Jump to a...
2024-10-30
07 min
Right On The Money Radio Show with Tom Mosley
Episode 29: "Mistakes to Avoid Near Retirement"
In todayโs show, finance experts Tom Mosley and Kristin Oakley tackle essential retirement topics that you canโt afford to miss. First, they uncover key mistakes to avoid as you approach retirement, ensuring your nest egg remains secure. If youโve avoided these pitfalls and built a health savings, they share powerful tactics to minimize your tax burden. Finally, they take an in-depth look at taxes and annuities, wrapping up with insightful answers to listener questions. This episode is a virtual retirement buffet served up to help you ease into retirement. Tune in and take control of your financial future...
2024-10-24
51 min
Right On The Money Radio Show with Tom Mosley
Episode 28: "Can I Retire With a Million? & Reasons to Work Past 70"
Tune in to today's show for an engaging and insightful discussion with financial experts Tom Mosley and Kristin Oakley as they tackle a burning question facing many soon-to-be retirees: "Is a million dollars enough to retire?" Discover three compelling reasons why the answer might be a resounding โNo.โ Plus, Tom and Kristin dive deep into the growing trend of working past 70. With over 43% of individuals over 70 still in the workforce, they'll explore the crucial factors behind this choice. Learn how extending your career can influence your financial security and, even more importantly, the mental, emotional, and physical considerations you need to w...
2024-10-24
53 min
Right On The Money Radio Show with Tom Mosley
Episode 26: "Key Things to Know in Retirement"
Are you prepared for a financially secure retirement? Join Tom, Kristin, and special guest Travis Hawley, Vice President of Mosley Wealth Management, as they dive deep into the importance of continuously expanding your financial knowledge before and during retirement. In today's enlightening episode, our experts will cover some of the critical topics you need zero in on, like budgeting, managing your income, and maximizing Social Security benefits. Don't miss this opportunity to empower yourself with the knowledge you need for a successful retirement! Tune in to hear practical advice, real-life examples, and expert insights that can make a significant difference...
2024-10-24
53 min
Right On The Money Radio Show with Tom Mosley
Episode 25: "How to Create a Secure & Exciting Retirement"
Creating a secure and exciting retirement requires a variety of steps. In todayโs show Tom and Kristin cover the most foundational steps you need to take to create the retirement you want. They address the importance of having a secure retirement and how retirement income, whether itโs a pension, social security, or creating your own โpensionโ is vital to creating the mental freedom you need to enjoy your retirement years. With over 20 years in the retirement business, Tom also reveals the 8 key โnon-financialโ areas to focus on to ensure you live a life of purpose and joy in retirement...
2024-10-23
53 min
Right On The Money Radio Show with Tom Mosley
Episode 24: "Retirement Planning for Women"
When it comes to financial planning, retirement planning for women is especially important. While women are more educated and have more financial resources than ever before, they also have a unique set of challenges that make saving for retirement more difficult. In todayโs show, Tom and Kirstin discuss some of these unique challenges and the different steps women can take to overcome them. Theyโll also dive into the question, โCan I retire comfortably with $500,000 in retirement savingsโ and share 7 tips that will help make that possible. Jump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐ TIMESTAMPS 0:00 Retirement Planning for Women 05:58 Why women retire earlier than expected. 07:5...
2024-10-23
51 min
EASE Into Retirement
Episode 125: "3 Biggest Retirement Mistakes You Need to Avoid"
Are you on the brink of retirement or planning to retire soon? Beware of the three biggest mistakes that could derail your golden years! In todayโs video, retirement expert Tom Mosley breaks down the most common traps retirees fall into โ and how you can sidestep them with confidence. Donโt let poor planning or impulsive decisions jeopardize your financial freedom. ย ๐ Here's What You'll Learn: โขMistake #1: Saving Too Little โ Discover why itโs crucial to start saving early and the impact of even small contributions over time. โขMistake #2: Piling on Debt โ Learn how to avoid the burden of debt as you transition into...
2024-10-16
08 min
Right On The Money Radio Show with Tom Mosley
Episode 20: "What to Anticipate as you Transition into Retirement"
Transitioning into retirement is a process that also includes a lot of adjustments. In todayโs show, Kristen and Tom discuss some of those adjustments and shed some light on the difficulties of moving from an accumulation phase to a phase where you actually feel comfortable spending some of the money you worked so hard to save. Theyโll also share some recent studies that reveal the concerns โBoomersโ and โGen Xersโ have as they face the future and prepare to take the plunge into retirement.ย ump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐ TIMESTAMPS 00:00 What to Anticipate as you transition into Retirement. 03:54 Anticipate the personal and financial adjus...
2024-10-10
52 min
Right On The Money Radio Show with Tom Mosley
Episode 18: "Refinance Your Retirement"
While higher interest rates are not optimal for refinancing a home, they can be great for refinancing your retirement! In todayโs insightful show, Kristen and Tom present compelling reasons why now is an ideal time to reevaluate your investments and capitalize on the benefits of higher interest rates. They detail how you can take advantage of improved returns on CDs, money markets, and even the latest fixed indexed annuity products. Generating more retirement income isnโt just about chasing yields. Kristen and Tom also guide you through the strategic merits of consolidating your 401(k)s and IRAs and explain how...
2024-10-10
51 min
EASE Into Retirement
Episode 124: "Save for Retirement or Pay Off Debt? Strategic Steps to Take Now"
How in the world are you supposed save for retirement AND pay off debt?! Itโs a balancing act that can feel extremely overwhelming, especially with market uncertainties, inflation, and rising costs. But hereโs the truth, both goals are possible with the right strategy. Today, retirement expert Tom Mosley walks you through some practical steps you can take now so you can secure your future without sacrificing your present. Jump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐ ย TIMESTAMPS 00:00 Save for Retirement or Pay Off Debt? 00:30 Determine Where You Are Financially 02:05 Prioritize High-Interest Debt 03:30 Take Advantage of Employer Retirement Contributions 04:25 Automate Your Savings 06:10 Consider Downsizing or Making Lifestyle...
2024-10-09
19 min
EASE Into Retirement
Episode 122: "RMDs - How to Avoid Common RMD Mistakes"
Building up your retirement savings takes decades of hard work, but one misstep with Required Minimum Distributions (RMDs) can lead to massive penalties. In todayโs show, retirement expert Tom Mosley explains RMDs and shares the top RMD mistakes people make. He also provides crucial tips on how to avoid them so you can protect your savings from costly errors and unnecessary taxes. Jump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐ TIMESTAMPS 00:00 RMDs: How to Avoid Common RMD Mistakes 00:28 RMDs Explained 02:30 Missing the RMD Deadline 04:53 Not Calculating the Correct Amount 06:00 Taking RMDs from the Wrong Account 07:52 Not Using RMDs Strategically in Tax Planning 10:59 Forgetting to Take RMDs After a Spo...
2024-09-25
18 min
EASE Into Retirement
Episode 121: "Hidden Retirement Costs That Can Kill Your Retirement"
Are you ready for retirement, but unsure about all the hidden costs that might sneak up on you? In this video, โ10 Hidden Costs in Retirement,โ retirement expert Tom Mosley uncovers the often-overlooked expenses that could impact your financial future. From healthcare to taxes and more, knowing these hidden costs in retirement is key to protecting your savings and enjoying a stress-free retirement. ย Jump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐ TIMESTAMPS 00:00 10 Hidden Retirement Costs that Can Kill Your Retirement 00:30 Health Care 01:37 Taxes: Social Security 02:27 Taxes: Retirement Accounts 03:20 Inflation 05:00 Home Repairs 05:47 Long Term Care 06:58 Losing a Spouse 08:00 Downsizing 09:00 Family Support 10:10 Insurance 11:00 How a Retirement Plan can help Have specific questions for...
2024-09-18
12 min
Right On The Money Radio Show with Tom Mosley
Episode 17: "Divorce & the Financial Impact on Retirement"
Divorce is difficult anytime, but itโs especially difficult when it happens during in or nearing your retirement years. Itโs the event that can singly halve your assets while doubling your expenses, which can be catastrophic in retirement. In todayโs show, Tom & Kristin delve into what people are calling โGray Divorceโ and discuss why itโs on the rise. More importantly, they take a deep dive into the unique financial challenges people will face and need to prepare for when they decide to part ways later in life. This is a valuable episode you wonโt want to miss. Tom also...
2024-09-18
52 min
Right On The Money Radio Show with Tom Mosley
Episode 16: "What Taxes Will I Have to Pay in Retirement" Part 3
In this third installment in our series on Taxes in Retirement, Tom helps answer the question โWhat taxes will I have to pay in retirement?โ He walks you through the reasons taxes have become such an issue, how certain financial choices can affect your tax liability in retirement, and how things like Roth Conversions can potentially minimize your taxes and enable you to ease into retirement. Jump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐ ย TIMESTAMPS 00:00 What taxes will I have to pay in Retirement. 07:10 How taxes have become an issue for people in retirement. 09:30 The difference between regular IRAs/4o1Ks and Roth IRA/ROTH 401Ks 14:14 How taxes change & the imp...
2024-09-18
51 min
Right On The Money Radio Show with Tom Mosley
Episode 15: "Paying Taxes in Retirement - What You Need to Know" Part 2
There are a lot of things to consider as you plan for retirement, but one of the often-overlooked aspects is the impact of paying taxes in retirement. In our 2nd episode of a 3 part series, retirement experts Tom Mosley& Kristin Oakley focus on the impact taxes can have on Medicare, Social Security, and your RMDโs.ย ย Jump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐ ย TIMESTAMPS 00:00 Paying taxes in retirement 05:00 How taxes can affect Medicare. 15:00 Make sure your financial advisors address Medicare & taxes. 22:20 Taxes on Social Security 28:56 Tax Brackets & Social Security 37:00 Social Security Tax Bracket Thresholds havenโt been adjusted for 40 years. 40:12 Taxes & RMDs Have specific questions for Tom and the tea...
2024-09-18
49 min
Right On The Money Radio Show with Tom Mosley
Episode 14: "What Taxes Will I Have to Pay in Retirement?"
Taxes are the biggest factor that can ruin your retirement. In the first episode of a series on Taxes in Retirement, Tom provides an overview of the taxes youโll have to pay in retirement and shares insight into the things you can do to start creating a strategy to minimize them. Youโll learn the difference between Non-Qualified and Qualified accounts, how ROTH IRAs play a role in tax savings, and how capital gains effects taxes. Listen now and learn how you can take the steps needed to minimize your taxes and ease into retirement. Jump to a segment usin...
2024-09-18
52 min
EASE Into Retirement
Episode 120: "Claiming Social Security: 3 things to Consider First"
Deciding when to claim Social Security is a critical decision that can have a significant impact on your retirement income.ย In this video Tom walks you through the 3 essential questions you need to ask yourself to determine the optimal time to start receiving Social Security. 1)ย When is the right age to claim benefits based on your life expectancy and break-even analysis? 2) What are your contingency plans should Social Security reforms or benefit cuts affect your future payments. 3) How will you address the gap between your desired retirement income and projected social security benefits to ensure you have sufficient savings and in...
2024-09-11
05 min
EASE Into Retirement
Episode 119: "10 Things To Do To Prepare for Retirement During Uncertainty"
In today's unpredictable world, it's more important than ever to be prepared for retirement, especially with the current uncertainties weighing heavily on many minds. In this video, retirement expert Tom Mosley unpacks ten crucial steps that you can take to help safeguard your financial future. Tom discusses the importance of a diversified portfolio, strategies to manage debt, and why having an emergency fund is non-negotiable. He also dives into overlooked areas like healthcare costs and social security optimization, while also addressing the need to be aware of market volatility. Whether you're already retired or just approaching retirement, this video provides...
2024-09-04
18 min
Right On The Money Radio Show with Tom Mosley
Episode 11: "Can I Retire in My 50's?"
One of the biggest questions weโve been encountering lately is โCan I retire in my 50โs?โ Itโs a simple question, however the answer is a lot more involved. In todayโs show, Tom and Kristin share 4 critical things people need to consider in order to determine if they are financially ready to step away from their job and retire in their 50โs. Jump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐ TIMESTAMPS 00:00 Intro: Can You Retire in Your 50โs 01:59 Some challenges Gen Xers are facing as they contemplate retirement. 06:10 Reasons why 50+ year-olds are wanting to retire. 11:15 4 things you need to consider which will determine if you can retire at 55. 14:10 Can one mill...
2024-08-29
51 min
Right On The Money Radio Show with Tom Mosley
Episode 10: "How to Make 2024 Even Better Financially"
In todayโs show Tom & Kristin share some tips on how to make 2024 even better financially by shinning the spotlight on Required Minimum Distributions. Tom walks you through the options you have for receiving them as well as shares tips on how to decrease your taxes on them. In the second half of the show, Tom describes 8 of the most common mistakes he sees people make when it comes to retirement and how to avoid them. Finally, we take listener calls and address questions on inherited IRAs. Jump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐ TIMESTAMPS 00:00 How to Make 2024 Even Better Financially 01:26 How to make your RMDโs better in 2024 โ Options to...
2024-08-29
51 min
Right On The Money Radio Show with Tom Mosley
Episode 9: "Things to Consider When You Want to Be Hands On with Your Retirement"
In todayโs podcast, Tom & Kristen discuss the top things to consider when you want to be hands on with your retirement. First, they share 5 questions you need to ask yourself when it comes to managing your 401K (or any of the โ4 plansโ) and maximizing your investments. Next, they address the topic of Long Term Care, share some current stats, and provide several solutions you can consider to address the high costs of Long Term Care. Finally, Tom addresses inflation and the impact the cost of living is having on Social Security. ย Whether you're just starting out with your 401(k), looking...
2024-08-29
50 min
Right On The Money Radio Show with Tom Mosley
Episode 7: "Retirement Playbook - Moves to Make When You're 10 Years Out From Retirement"
Retirement is much like the Superbowl. Just like the big game, reaching retirement involves hard work and perseverance, but to secure victory, strategic moves are crucial, especially when you enter the "Red Zone" โ those pivotal 5 to 10 years before retirement. In this episode Tom and Kristen unveil the playbook for a winning retirement: ย ๐ Financial Red Zone Strategy: Learn the essential plays during the critical 5 to 10 years leading up to retirement. It's the game-changing phase where your financial strategy can make all the difference. ๐ก Score Big with Maximized 401K Funding: Discover why funding your 401K to the max is a game-changer. Tom and Krist...
2024-08-29
47 min
Right On The Money Radio Show with Tom Mosley
Episode 5: "The Sandwich Generation - Managing the Cost of Caring for your Parents & Your Retirement
If you're in your 40s & 50s, juggling the responsibilities of caring for aging parents and supporting your own family can have profound financial implications. Join Tom and Kristen in this crucial discussion about the unique challenges faced by individuals in the 'sandwich generation.' Explore the direct impact on your retirement plans and learn strategic approaches to secure your financial future. In this video, Tom, and Kristen dive deep into the emotional and financial aspects of caring for aging parents. Discover how this role can affect your retirement savings, potentially altering the trajectory of your financial goals. Gain valuable insights...
2024-08-29
52 min
Right On The Money Radio Show with Tom Mosley
Episode 3: "Retirement - To Contribute or Not to Contribute, that's the Question"
To contribute or not to contribute? That is a big question for many. Is it better to direct money to a tax deferred plan, or take that money and put it in a plan that grows tax-free? Today, retirement expert Tom Mosley and Kirsten Oakley discuss the pros and cons of contributions, that issues that arise from qualified plans, and the steps you can consider taking that will help you maximize your money in retirement. ย Jump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐ ย TIMESTAMPS 00:00 Retirement - to Contribute or Not Contribute 02:45 Reasons why someone would want to consider not contributing to a 401K or IRA 07:24 Why a qualified plan isnโt the โbe...
2024-08-29
52 min
EASE Into Retirement
Episode 118: "Is 65 the Magic Retirement Number? Maybe Not! Consider these Honest Reasons to Retire NOW!"
In this heartfelt discussion, retirement expert Tom Mosley shares some honest reasons why many are choosing to retire earlier than planned. From prioritizing health and happiness while still vibrant, to escaping stressful corporate changes, this video delves into the key reasons driving early retirement. We also consider financial independence, the pursuit of long-held dreams, family obligations, and the desire to fully enjoy the early years of retirementโoften referred to as the โgo-go years.โ Before making this life-changing decision though, itโs crucial to assess whether youโre financially ready to retire. ย If youโre thinking about retiring now, make sure you have...
2024-08-28
17 min
Right On The Money Radio Show with Tom Mosley
Episode 1: "The 6 Essential Components You Need to Include in a Retirement Strategy"
One financial decision will affect all the others. In retirement, you must look at a plan comprehensively & holistically.ย In todayโs show, Tom explains the difference between retirement investments and a retirement strategy. He discusses the 6 essential components you need to address and include in your plans to develop a true retirement strategy. ย Jump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐ TIMESTAMPS 00:00 6 essential components to include in a retirement strategy 05:15 Why you need to have a written retirement plan. 06:20 How your lump sum and income play a role in retirement. 07:00 In retirement your income is more important than your lump sum. 13:00 Investments are your โlumberyardโ & necessary to help build your...
2024-08-27
51 min
EASE Into Retirement
Episode 117: "I'm in My 60's & Got Laid Off. Now What?"
๐จ Laid Off in Your 60s? Hereโs What to Do Next! ๐จ Life can throw unexpected curveballs and getting laid off in your 60s is one of them. But donโt panic! In this episode, retirement expert Tom Mosley dives into 5 crucial steps that will help you navigate this challenging time with confidence and clarity. Hereโs what we cover: What to do the first 24 to 48 hoursย The first things you should assessย Creating an immediate Needs Checklistย Determining whether you go back to work or retire & the financial impact of claiming Social Security early.Understanding the tax implications of tapping into your retir...
2024-08-21
10 min
EASE Into Retirement
Episode 115: "Retirement Panic: How to Protect Your Savings When the Market Takes a Dive"
With the current market volatility shaking the US and stirring up panic, it's more important than ever to protect your retirement savings. In todayโs video, retirement expert Tom Mosley provides a simple strategic approach that can help you safeguard your retirement nest egg during these turbulent times. Whether you're on the brink of retirement or already enjoying it, this timely approach can help you maintain financial stability and provide peace of mind as you weather the ups and downs of the market. Don't let panic set in and donโt leave your retirement security to chanceโempower yourself with the kn...
2024-08-07
07 min
EASE Into Retirement
Episode 114: "Why Do I Need a Retirement Budget?"
Why do you need a budget in retirement? It's a common question. Maybe youโve worked hard, built a nice nest egg, and donโt see the urgency in creating one, or perhaps youโre on a fixed income and the thought of budgeting feels overwhelming. In todayโs video, retirement expert Tom Mosley breaks down why creating a budget is essential for a successful retirement plan. Heโll dive into the crucial components of a retirement budget, explaining why understanding these elements is key, no matter your financial situation. Tom will also show you how to effectively create and adjust you...
2024-07-31
11 min
EASE Into Retirement
Episode 112: "How to Make Your Money Last in Retirement: Part 2"
Fear of running out of money in retirement is the #1 concern for those 50 and older. And itโs no wonder โ with rising inflation, taxes, and skyrocketing healthcare costs, the future can feel uncertain. But it doesn't have to be. In part 2 of our video, retirement expert Tom Mosley unveils 3 more crucial items you need to be aware of along with some steps you can take to safeguard your retirement savings and ensure your money lasts as long as you do. These practical and actionable tips will help you navigate the complexities of retirement planning with confidence. ย What Youโll Learn in This...
2024-07-17
08 min
EASE Into Retirement
Episode 111: "Got a Million & Want to Retire in Your 50's? Here's Your Reality Check
Are you 55 or in your 50โs with a million dollars saved and wondering if you can retire NOW? Itโs a question that gets asked often. In todayโs show, Tom addresses the 4 biggest issues that you must consider when deciding whether youโre prepared to make the jump. He covers why it might make sense, the gaps you must consider, debt concerns, and the reality that you could live up to another 40 years. Jump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐!๐ ย TIMESTAMPS 00:00 Got a Million in Your 50โs and Want to Retire? 00:12 First thing you have to consider: In Your 50โs youโre in your Go-Go Stage. 01:09 Second thing to consider: T...
2024-07-10
09 min
EASE Into Retirement
Episode 110: "Making Your Money Last in Retirement"
Fear of running out of money in retirement is the #1 concern for those 50 and older. And itโs no wonder โ with rising inflation, taxes, and skyrocketing healthcare costs, the future can feel uncertain. But it doesn't have to be. In this video, retirement expert Tom Mosley unveils the first 5 of 10 crucial steps you need to take to safeguard your retirement savings and ensure your money lasts as long as you do. These practical and actionable tips will help you navigate the complexities of retirement planning with confidence. ย โจ What Youโll Learn in This Video: Proven strategies to protect your savingsTips to outpac...
2024-07-03
10 min
EASE Into Retirement
Episode 109: "Retiring in 5 Years? Do These 5 Things NOW!"
If youโre reading this, chances are youโre contemplating retiring in 5 years! Whether youโre planning on retiring early in your 50โs, or you want to hold off until your 60โs & 70โs, there are several crucial steps you must take NOW so youโre prepared to make the move and shape your retirement experience into the one you dream of. Today, Tom reveals 5 basic but crucial steps you need to take now before you make the big transition. This is a great primer if youโre just starting to think about retirement and need some guidance on next steps. Successful retir...
2024-06-26
07 min
EASE Into Retirement
Episode 108: "How to NOT Run Out of Money in Retirement"
If you are worried about running out of money during retirement, you are not alone. In fact, surveys show itโs the #1 fear of people 55 years of age and older. While there are things outside of your control that will impact your retirement, there are steps you can take now to protect yourself. Today, Tom shares two simple action items you can do now to get started. Additionally, he shares a simple case study to show you the steps one couple took to ensure their long term finances for their later years while also creating the budget they wanted to in...
2024-06-19
09 min
EASE Into Retirement
Episode 104: "How to Prepare for Social Security Cuts"
While you can't control whether Social Security will run out of cash reserves by 2034, you can take proactive steps to prepare for potential cuts to your benefits and safeguard your retirement plans. In today's must-watch video, Tom unveils three critical strategies you can implement right now to shield yourself from the impact of reduced Social Security benefits should they happen. ย Discover how increasing your retirement accounts can fortify your financial future, learn effective ways to reduce debt and free up more of your income, and explore additional income streams, such as part-time jobs or creating passive income, to ensure you r...
2024-05-22
09 min
EASE Into Retirement
Episode 102: "5 Crucial Steps to be Retirement Ready in 5 Years"
In todayโs video, Tom shares 5 crucial steps you can take now to be retirement ready in 5 years. Whether youโre looking to retire early, or keep working for a bit, implementing each of these steps will help set you up so you are ready to take the leap into retirement.ย Jump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐ TIMESTAMPS 00:00 5 Ways to Get Ready to Retire in 5 Years 00:12 #1 Create a Retirement Plan 02:27 #2 Build an Emergency Fund 03:39 #3 Maximize Your Retirement Accounts 05:12 #4 Decide What Youโre Doing with Your Home 07:16 #5 Eliminate Debt 09:05 How to find info on building a retirement plan. Have specific questions for Tom and the team at Mosley Wealth Managem...
2024-05-08
10 min
EASE Into Retirement
Episode 101: "I'm Scared of Running Out of Money in Retirement" Why Today's New Annuities Can Help.
If youโre scared of running out of money in retirement, youโre not alone. In fact, itโs the #1 fear for people 58 and over. One option to guarantee income in retirement is to include a new & improved annuity into your overall retirement plan. In todayโs video, Tom provides an overview on Fixed Indexed Annuities, and shares 5 reasons you may want to consider giving them a second look this year as part of your retirement strategy. ย ย Jump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐ ย TIMESTAMPS 00:00 Why the newer annuities are worth a look. 01:03 Reason #1 โ The Bells & Whistles 02:00 Reason #2 โ Principal Protection 02:50 Reason #3 โ Prospect for Growth 03:32 Reason #4 โ Grows Tax Deferred 04:02 Re...
2024-05-01
06 min
EASE Into Retirement
Episode 100: "Laid Off Near Retirement: Do These 5 Things Now to Determine if You Can Retire
Have you recently been laid off or sensing one on the horizon just as you're nearing retirement? Are you uncertain about what steps to take and wondering if you can just go ahead and retire? In todayโs video, Tom walks you through the 5 essential steps you need to take now so you can assess your options, and determine if retirement is the best path forward for you. Jump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐ TIMESTAMPS 00:00 Laid off near retirement? What Should You Do? 00:15 #1 Take a breath. 01:45 #2 Analyze where you are. 03:18 #3 What are your immediate needs? 05:31 #4 Will I go back to work? 07:12 #5 Be careful about your taxes. 09...
2024-04-24
11 min
EASE Into Retirement
Episode 99: "Social Security is Broken - Why the Threat is Real & How it Could Affect You & Your Benefits."
Could social security really reduce your future benefits by as much as 20%? Is this threat real? In todayโs video, Tom delves into the looming threat facing Social Security and explains how it could affect you and your benefits. He shares why the system is currently broken, what the reduction will mean to you, and provides some ideas on what to do should Congress fail to act despite decades of warnings. Tom shares the startling statistics behind Social Security's financial strain and why itโs important to act now. Learn how the 20% reduction in benefits could translate to a significant loss...
2024-04-17
06 min
EASE Into Retirement
Episode 98: "Maximize Your 401(k) - 4 Options When You Leave Your Job"
Whether you leave a job, retire, or are laid off and you have a 401(k), you'll need to decide what to do with it. In this video, Tom shares the 4 options you have to maximize your 401(k) when you leave your job, including the pros and cons of each option. He also discusses how timing is a crucial factor in determining the best choice for your specific situation. If you're anticipating leaving your job or have recently been laid off, educate yourself on these 401(k) options so you can make the best decision for your financial future. Jump to a...
2024-04-10
07 min
EASE Into Retirement
Episode 96: "When To Start Social Security"
Knowing when to start Social Security is a critical decision that can have a significant impact on your retirement income.ย In this video Tom walks you through the 3 essential questions you need to ask yourself to determine the optimal time to start receiving Social Security. ย 1) When is the right age to claim benefits based on your life expectancy and break-even analysis? ย 2) What are your contingency plans should Social Security reforms or benefit cuts affect your future payments? ย 3) How will you address the gap between your desired retirement income and projected social security benefits to ensure you have sufficient savings and inco...
2024-03-13
05 min
EASE Into Retirement
Episode 95: How to Develop a Retirement Game Plan
Happy retirees and Superbowl Champions both know the importance of having a winning game plan. In todayโs video, Tom explains how to develop a retirement game plan by employing the same tactics retirees and champions use to drive their success! Just like championship football teams, happy retirees start with a clear vision and/or dream. Whether it's envisioning yourself on the Super Bowl platform or savoring moments with loved ones, having a dream is essential.ย Next, we emphasize the importance of mastering the fundamentals. Drawing inspiration from Vince Lombardi's iconic "Gentlemen, this is a football" speech, we highlight the sig...
2024-02-08
10 min
EASE Into Retirement
Episode 94: "Retirement Taxes 101"
One often-overlooked aspect of retirement planning is the impact taxes can have on your retirement years. Contrary to popular belief, retirement doesn't mean escaping taxes; it means understanding and strategically managing them. The first step is to understand the different areas where you can be taxed. Join Tom in this eye-opening session as he sheds light on the impact of Employment, Social Security, and Medicare taxes on your golden years. Learn about the lurking threat of "Bracket Creep," understand how you could be impacted by Capital Gains and grasp the significance of Required Minimum Distributions (RMDs). Tom provides valuable insights...
2024-01-31
08 min
EASE Into Retirement
Episode 93: Retiring in 5 Years? Do These 5 Things NOW!
If youโre reading this, chances are youโre contemplating retiring in 5 years! Whether youโre planning on retiring early in your 50โs, or you want to hold off until your 60โs & 70โs, there are several crucial steps you must take NOW so youโre prepared to make the move and shape your retirement experience into the one you dream of. Today, Tom covers the 5 most crucial steps you need to take now and addresses why theyโre so important when it comes to maximizing your retirement dreams. ย Jump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐ ย TIMESTAMPS 00:00 Intro 00:40 #1 Identify your income. 02:04 #2 Diminish your debt. 03:00 #3 Reduce your risk. 04:00 #4 Tackle your taxes...
2024-01-25
08 min
EASE Into Retirement
Episode 92: I'm 55 With a Million - Can I Retire?
Are you 55 or nearing 55 with a million dollars saved and wondering if you can retire NOW? Itโs a question that gets asked often. In todayโs show, Tom addresses the 4 biggest issues that you must consider when deciding whether youโre prepared to make the jump. He covers why it might make sense, the gaps you must consider, and the long term financial issues you may encounter. Jump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐ TIMESTAMPS 00:00 Intro & Why people that are 55 are wanting to retire earlier. 01:30 First thing you have to consider: At 55 youโre in your Go-Go Stage. 02:30 Second thing to consider: The Gap & the financial impact youโll face...
2024-01-17
10 min
EASE Into Retirement
Episode 91: Don't Let Taxes Knock You Out of Retirement
๐ฑ Today we uncover one of retirement's biggest surprises: Sky-high TAXES on your hard-earned savings! Think of it as the knockout "punch" that can leave you and your savings reeling. ย ๐ก The Good News? There are some key strategies you can implement that will help you minimize your tax-burden and maximize your savings. ๐งLetโs Decode Your Tax Landscape: The first crucial step? Understand which bucket your income and savings fall into. Today, Tom will delve into the Taxable Income, Tax-Deferred, and Tax-Free buckets. This insight is the key to unlocking powerful strategies that could save you thousands. ย ๐กMaximize Your Financial Security: Learn some steps...
2024-01-10
08 min
EASE Into Retirement
Episode 90: Avoid These Top 3 Mistakes People Make as They Approach Retirement
Have you ever wondered why some people sail through retirement while others hit stormy seas? Today weโre going to uncover three colossal mistakes many make as they head into retirement. Weโll also share some steps you can take NOW to correct your course and help ensure a smooth and thriving retirement. ย Jump to a segment using the ๐๐ถ๐บ๐ฒ๐๐๐ฎ๐บ๐ฝ๐ ๐ฏ๐ฒ๐น๐ผ๐! ๐ ย TIMESTAMPS 00:00 Intro to the 3 biggest mistakes people make heading into retirement. 01:00 Mistake #1 โ Saving Too Little 02:30 Mistake #2 โ Piling on Debt 03:30 Mistake #3 โ Shiny Object Investment 05:05 Steps you can take to get on track and avoid the mistakes. 05:40 How to save โ simplified. 06:05 Tips on getting out of debt. 07:15 Investing 07:45 How to get professi...
2024-01-03
08 min
EASE Into Retirement
Episode 75: Impact of the BANK CRISIS!
In the month and year of March 2023, we've witnessed the following banks go near or ENTIRELY underwater, Silicon Valley Bank, Silvergate Bank, and Signature Bank. And since there's a limited coverage per account under FDIC, how does this bank crisis impact the REST Of society? Tom Mosley discusses in depth, how this crisis may impact your present and future retirement. Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (โMWMโ). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License #0K76766 Investing involves risk, including the potential loss of principal. Any references to p...
2023-04-05
10 min
EASE Into Retirement
Episode 73: Everything you need to know about 401K rollovers
One of our clients walked in the other day stating that he was curious about 401ks and how they work, digging more into his question, we discovered he had 6 401k's all from different employers! On today's episode, Tom runs through 4 different options you have if you're in a similar situation to our client. You can stay, start a new 401k, cash out, or rollover to an IRA. Keep watching to learn more about 401k's and everything else you're too afraid to ask. Donโt spend more time wondering about whether youโre ready to retire. Prepare now, so you can...
2023-03-22
11 min
EASE Into Retirement
Episode 72: How do you make retirement income last?
Are you certain your income will last as long as you do? On this week's episode, Tom highlights the importance of ensuring longevity of your income in retirement. Grab a pen and paper, because this podcast is full of enlightening information. Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (โMWMโ). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are back...
2023-03-15
12 min
EASE Into Retirement
Episode 67: What is meant by the Social Security breadwinner provision?
โBreadwinnerโ, the individual that makes the most income in the household. Regardless of who it is, when 2 become 1 the lower amount (income) is removed. Letโs talk about some tactics that may, maximize your social security as a married couple! Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (โMWMโ). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the fin...
2023-02-08
06 min
EASE Into Retirement
Episode 64: When will my pension impact my social security?
Your pension could impact your social security, but how exactly and to what degree? WEP, GPO, and more, Tom Mosley Investment Advisor walks us through it all.
2023-01-13
07 min
EASE Into Retirement
Episode 60: What is my FULL social security retirement age?
What if you turned on your social security, and you had to PAY IT ALL BACK!? Knowing your social security FULL RETIREMENT AGE could impact your available options. On today's episode, Tom Mosley, emphasizes how social security is going to use your full retirement age to determine your benefits. Have questions that weren't answered? Give us a call! (714)-421-4288
2022-11-09
08 min