Shows
E.A.S.E. Into Retirement Radio ShowEpisode 97: "Financial Fitness After 50: How to Get Your Retirement Plan in Shape"Is your retirement plan in shape—or are you just winging it? In this episode, Tom Mosley shares why financial “fitness” matters more than ever as you move from building wealth to preserving it. Learn how to take a true retirement inventory, avoid costly Medicare mistakes, and why writing down your goals can make a big difference. Plus, Tom answers listener questions on early retirement, gifting to adult children, and finding purpose in your next chapter.Chapters00:00 Intro05:00 DIY Retirement isn’t as easy in preservation stage vs. accumulation08:30 What matters more than degrees and cert...
2025-10-1649 minE.A.S.E. Into Retirement Radio ShowEpisode 93: "Your First Year of Retirement: What No One Tells You"The first year of retirement is full of excitement—and challenges. In this episode, Tom Mosley shares how what to really expect, how to set up a smart withdrawal strategy, find purpose after leaving work, and the pros and cons of part time work. Learn how the right plan can help you navigate it all with clarity and confidence.Chapters00:00 Intro01:15 What to expect the first year of retirement04:50 Determining a withdrawal strategy08:50 Finding purpose in retirement13:45 Searching for security20:30 Working part-time26:18 Real or Unreal: Reading of the will?
2025-09-1851 minE.A.S.E. Into Retirement Radio ShowEpisode 92: "Retirement is a Total Trip - How to Prepare for it"Retirement is like a road trip - you need a destination, a route, and the right guide. In this episode, Tom Mosley reveals how to avoid the biggest detours and excuses that keep people from being financially prepared.Chapters00:00 Intro03:19 You need to decide where you’re going05:58 What route are you going to take to get there?09:40 Who/what are you going to listen to?11:55 The benefits of cruise control13:40 How to go to a live event 15:50 Financial famous last words25:58 Blaming financial troubles on Gray Divorce
2025-09-1151 minE.A.S.E. Into Retirement Radio ShowEpisode 91: "Testing Financial Tips & Fake News: Uncovering the Truths"In this episode, Tom draws on 30 years of real-world financial experience to put Ramit Sethi’s I Will Teach You to Be Rich to the test. From defining what a “rich life” really looks like to unpacking the truth about credit cards, Tom separates financial fact from fiction. You’ll also hear:The must-ask questions every business owner should consider before retirementA breakdown of today’s financial “fake news” and what really mattersPractical answers to listener questions on merging money after remarriage and giving generously in retirementSmart insights, straight talk, and strategies you can use—this episode is packed with real answers...
2025-09-0450 minE.A.S.E. Into Retirement Radio ShowEpisode 90: "Retirement Lessons from The Beatles!"What do The Beatles and retirement planning have in common? A lot more than you think! In today’s episode retirement specialist Tom Mosley and host Marc Killian spin timeless song titles into powerful lessons for your financial future.From All You Need Is Love (why support matters when fear takes over), to Let It Be (handling volatility without making rash moves), to Yesterday (preparing for life’s unexpected curveballs)—the Fab Four’s music sets the stage for insights every retiree needs to hear.But that’s not all. Tom also e...
2025-08-2849 min
EASE Into RetirementEpisode 161: " How to Make a Retirement Budget | Retirement PlanningHow do you make a Retirement Budget? In today’s 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 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇TIMESTAMPS00:00 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...
2025-06-2511 minEASE Into RetirementEpisode 157: "Avoid Chaos! What to Prepare Now to Help Family Later"Don’t Leave Your Family in the Dark—Prepare These Vital Documents Today!Imagine your family needing critical information in an emergency—and not knowing where to find it. Whether you’re incapacitated or gone, your loved ones will face major challenges unless you’ve prepared the right documents.In this episode, Tom Mosley—retirement expert and former minister—draws on over 50 years of experience to guide you through an essential list of items your family needs access to when the unexpected happens.🔑 You’ll learn:• The most important ID and financial documents to gather• What medical and legal paperwork is essential• Real stor...
2025-05-2809 minEASE Into RetirementEpisode 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 individuals—those who don’t 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 you’re flying solo, and how to avoid common mistakes that could cost you thousands over your lifetime.🔍 In this episode, you’ll learn:•Why delaying your benefit may be your best financial move•How to protect against longevity risk as a single ret...
2025-05-1410 min
E.A.S.E. Into Retirement Radio ShowEpisode 77: "Need to Tap Your Retirement Early? 20 Ways to Avoid the 10% PenaltiesTaking money out of your retirement accounts before age 59 ½ usually triggers a 10% early withdrawal penalty – 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 “4-plans” 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 you’re...
2025-05-0850 minEASE Into RetirementEpisode 154: "Under 59½? Here’s How to Take Money from Your IRA or 401(k) Without Penalties"Thinking about tapping into your retirement savings before age 59½? Be careful — 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 — 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.👉 This video is essential for anyone under 59½ who may need to withdraw retirement funds but wants to avoid costly mistakes.🎯 Wh...
2025-05-0713 minE.A.S.E. Into Retirement Radio ShowEpisode 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 ½ usually triggers a 10% early withdrawal penalty – 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 “4-plans” 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 you’re facing a financial emergency – or just want to be prepared – this episode is a must listen. You’ll learn how to ma...
2025-05-0153 minEASE Into RetirementEpisode 153: "10 Steps to Retirement!"Want to Retire? Are you Ready? Check out Tom’s 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.
2025-04-3017 minE.A.S.E. Into Retirement Radio ShowEpisode 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 you’ll make. In today’s video, retirement expert Tom Mosley breaks down the key things you need to consider before locking in your benefits.•The truth on Social Security “going broke” – what’s fact vs. fiction•How to determine the best age to claim Social Security for your situation•Why you won’t get personalized advice from the Social Security Administration•Social Security strategies for married couples•Claiming strategies if your single or divorcedClaiming Social Security is not one-size-fits-all. Your income needs, longe...
2025-04-2454 minE.A.S.E. Into Retirement Radio ShowEpisode 74: "Riding The Financial Rollercoaster in Retirement – How to Stay on Track When Markets Take a Dive"Rollercoasters can be fun - until they aren’t. 𝗧𝗵𝗮𝘁’𝘀 𝗲𝘀𝗽𝗲𝗰𝗶𝗮𝗹𝗹𝘆 𝘁𝗿𝘂𝗲 𝘄𝗵𝗲𝗻 𝗶𝘁 𝗰𝗼𝗺𝗲𝘀 𝘁𝗼 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗶𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝗱𝘂𝗿𝗶𝗻𝗴 𝗺𝗮𝗿𝗸𝗲𝘁 𝗱𝗼𝘄𝗻𝘁𝘂𝗿𝗻𝘀. 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. ✅ Learn why going to cash could be one of the worst moves✅ Discover the power of diversification during uncertain times✅ Understand your personal risk tolerance and capacity✅ Explore income strategies and annuity options✅ Protect your nest egg from sequence of returns risk#RetirementPlanning #MarketVolitility #RetirementIncome #InvestinginRetirement #RetirementRisks #BudgetingForRetirement #SequenceOfReturnsRisk #DiversificationJump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇TIMESTAMPS00:00 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...
2025-04-1753 minEASE Into RetirementEpisode 151: "3 Ways to Respond to Market Chaos from Trump Tariffs "𝗜𝘀 𝘁𝗵𝗲 𝗠𝗮𝗿𝗸𝗲𝘁 𝗖𝗵𝗮𝗼𝘀 𝗳𝗿𝗼𝗺 𝘁𝗵𝗲 𝗧𝗿𝘂𝗺𝗽 𝗧𝗮𝗿𝗶𝗳𝗳𝘀 𝗽𝘂𝘀𝗵𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝘀𝗮𝘃𝗶𝗻𝗴𝘀 & 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗽𝗹𝗮𝗻𝘀 𝗳𝘂𝗿𝘁𝗵𝗲𝗿 𝗼𝘂𝘁 𝗼𝗳 𝗿𝗲𝗮𝗰𝗵? Are you losing sleep and wondering “what now?” In today’s video, retirement expert Tom Mosley breaks down 3 smart strategies to help you respond to the current market volatility and protect your retirement plan. Don’t let fear or market chaos derail your retirement dreams. Watch now and take control of your future.Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇TIMESTAMPS00:00 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 👇 https://mosleywealthmanagement.com/contact/ ===============================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! htt...
2025-04-1617 minEASE Into RetirementEpisode 150: "Thinking About a ROTH Conversion While the Market’s Down? Watch This First!"Are you thinking about doing a ROTH conversion while the market’s 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 don’t blow up your retirement! In today’s 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 prem...
2025-04-0916 minEASE Into RetirementEpisode 149: "5 Crucial Steps to Retire Successfully in 5 years"𝗔𝗿𝗲 𝘆𝗼𝘂 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝘁𝗼 𝗿𝗲𝘁𝗶𝗿𝗲 𝗶𝗻 𝘁𝗵𝗲 𝗻𝗲𝘅𝘁 𝟱 𝘆𝗲𝗮𝗿𝘀? 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 you’ve always dreamed of. 🚀In 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.✅ If you’re serious about creating a successful retirement, don’t miss these 5 crucial steps! Start planning now to achieve the retirement lifestyle you deserve.📌 Timestamps — Jump to any segment below!00:00 Intro00:20 🔑 Step 1: Ide...
2025-04-0207 minEASE Into RetirementEpsisode 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 bill—and your deductions—could look very different.👉 Tom explains:•How the current SALT deduction limits impact taxpayers•What could happen if Congress makes a move•And 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!🔔 Subscribe for mo...
2025-03-1909 minE.A.S.E. Into Retirement Radio ShowEpisode 65: "Retirement Reality Check: Taxes, Risk & Social Security Explained"Retirement is about more than just saving money—it’s about creating a strategy that helps you keep more of what you’ve 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.🔹 Taxes: Planning vs. Preparation – 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.🔹 Unde...
2025-02-1354 minE.A.S.E. Into Retirement Radio ShowEpisode 62: "Financial Items You Must Address for Retirement"Planning for retirement goes beyond saving money—it's about having a strategy to tackle the big challenges. In this episode, retirement experts Tom Mosley and Kristin Oakley cover: ✅ Taxes: Strategies to minimize your tax burden. ✅ Inflation: Tips to protect your purchasing power. ✅ Longevity: Solutions to avoid running out of money. ✅ The Power of a Plan: How a well-crafted retirement blueprint can address these issues and more. Don't leave your future to chance—learn how to build a retirement you can count on! Tune in now to start planning with confidence. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Financial Items You Have to Address for Retirement 03:25 Taxes 08:57 L...
2025-01-2354 minE.A.S.E. Into Retirement Radio ShowEpisode 60: "Preparing for Retirement Under the Trump Administration"In today’s show we dive into 𝗛𝗼𝘄 𝘁𝗼 𝗣𝗿𝗲𝗽𝗮𝗿𝗲 𝗳𝗼𝗿 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗨𝗻𝗱𝗲𝗿 𝘁𝗵𝗲 𝗧𝗿𝘂𝗺𝗽 𝗔𝗱𝗺𝗶𝗻𝗶𝘀𝘁𝗿𝗮𝘁𝗶𝗼𝗻" 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 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 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 you’re retiring in 5 to 10 years 36:05 Healthcare & the new administration 41:10...
2025-01-0954 minEASE Into RetirementEpisode 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, it’s not without risks. In today’s 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...
2025-01-0816 minEASE Into RetirementEpisode 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 today’s 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. Let’s dive in! Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 How to Get Retirement Ready in 2025...
2025-01-0121 minEASE Into RetirementEpisode 135: "10 Things You Have to Know to Retire!"Is retirement on your mind? If so, you need to check out Tom’s 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...
2024-12-2518 minE.A.S.E. Into Retirement Radio ShowEpisode 57: "When Should You File for Social Security? "Deciding when to file for Social Security is one of the most important financial decisions you’ll make in retirement. In today’s 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 you’re planning ahead or approaching retirement, this show w...
2024-12-1954 minE.A.S.E. Into Retirement Radio ShowEpisode 55: "30 Years Advising – 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...
2024-12-0554 minE.A.S.E. Into Retirement Radio ShowEpisode 54: "30 Years Advising – 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...
2024-12-0454 minE.A.S.E. Into Retirement Radio ShowEpisode 53: "30 Years Advising – 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 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 What Every Person Should Know About Retirement 11:25 There Will be...
2024-12-0453 minE.A.S.E. Into Retirement Radio ShowEpisode 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 today’s 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 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Common RMD Mistakes – 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...
2024-12-0453 minE.A.S.E. Into Retirement Radio ShowEpisode 50: " Biggest Hidden Retirement Costs – Part 2 "When it comes to retiring there’s 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 today’s show, retirement experts Tom Mosley and Kristin Oakley dive into “Part 2” 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...
2024-12-0454 minE.A.S.E. Into Retirement Radio ShowEpisode 49: "Biggest Hidden Retirement Costs"When it comes to retiring there’s 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 income—retirement isn't always as straightforward as it seems. In today’s 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...
2024-12-0453 minE.A.S.E. Into Retirement Radio ShowEpisode 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 that’s not enough, the market is as volatile as ever. For anyone trying to plan their retirement, it’s a lot to take in. In today’s 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. Let’s turn fear into act...
2024-12-0454 minE.A.S.E. Into Retirement Radio ShowEpisode 46: "Balancing Debt & Saving for Retirement"How do you save for retirement while also trying to pay off lingering debt? It’s a tough dilemma that many pre-retirees and retirees find themselves facing these days. In fact, it’s a balancing act that can feel really overwhelming, especially with market uncertainties, inflation, and rising costs. But here's the truth—both 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 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Balancing Debt & Saving for Retiremen...
2024-12-0454 minE.A.S.E. Into Retirement Radio ShowEpisode 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? Don’t miss out as retirement experts Tom Mosley and Kristin Oakley reveal some of the most common regrets that retirees face, including: •Taking Social Security too early •Ignoring inflation •Overlooking tax implications •Failing to start a Roth account sooner •Lacking a clear retirement lifestyle plan •Neglecting relationships and experiences •Skipping estate planning But it’s not just about what went wrong—Tom and Kristin offer smart solutions you can take right now to avoid these pitfa...
2024-12-0454 minE.A.S.E. Into Retirement Radio ShowEpisode 44: "Stop “Shoulding” 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: •Not saving enough money •Not starting early enough •Making poor investment decisions •Underestimating healthcare costs Tom & Kristin also provide solid solutions on what you can do now to ensure you don’t 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...
2024-12-0453 minE.A.S.E. Into Retirement Radio ShowEpisode 43: "Retirement Accounts You Need to Know & Have"Planning for a successful retirement requires more than just saving—it’s 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. They’ll break down why each account matters and how it fits into a personalized strategy to achieve your retirement dreams. Whether you’re just beginning to think about retirement or are p...
2024-12-0454 minE.A.S.E. Into Retirement Radio ShowEpisode 41: "Is It Time to Retire NOW?"Are you wondering if now is the right time to retire? In today’s show, retirement experts Tom Mosley and Kristin Oakley explore the key factors that can help you make this life-changing decision. Whether you’re 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. They’ll also outline the key challenges you need to consider as you determine whether it’s “time to retire.” Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Is it time to retire? 02:04 What to do if you’re being forced to retire...
2024-12-0454 minE.A.S.E. Into Retirement Radio ShowEpisode 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: •How living longer is affecting retirement. •The effects of 30.4 million Americans turning 65 by 2030. •Specific reasons why people are running out of money, such as insufficient savings, inflation, unexpected expenses, healthcare, long-term care c...
2024-12-0453 minE.A.S.E. Into Retirement Radio ShowEpisode 39: "ROTH IRAs & ROTH Conversions - What, How, Why, & WhenRoth IRAs and Roth Conversions play a crucial role in effective retirement planning. In this week’s show, retirement experts Tom Mosley and Kristin Oakley cover the important what, how’s, why’s and when’s 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. They’ll 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...
2024-11-1853 minE.A.S.E. Into Retirement Radio ShowEpisode 38: "Everything You Needed to Know About RMDs Part 2: Strategies for Optimizing Your WithdrawalsRMDs (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. In today's episode, retirement planning experts Tom Mosley and Kristin Oakley continue their in-depth exploration of RMDs. They’ll guide you through various strategies to optimize your distributions, ensuring you make the most of your retirement savings. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Everything You Want to Know About RMDs – Part 2 01:30 RMD – 10 Strategies to take Distributions: Recap from last week on #1 & #2 03:00 #3 How to use a QC...
2024-11-1852 minE.A.S.E. Into Retirement Radio ShowEpisode 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 today’s show, retirement planning experts Tom Mosley and Kristin Oakley dive deep into the complexities of RMDs, answering all the questions you’ve been too afraid to ask. Understanding the ins and outs of RMDs and the ever-changing rules surrounding them is crucial – you don't want to face those massive IRS penalties 😥. Tom and Kristin help clarify: ✅What RMDs are ✅H...
2024-11-1852 minE.A.S.E. Into Retirement Radio ShowEpisode 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 doesn’t 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...
2024-10-3152 minE.A.S.E. Into Retirement Radio ShowEpisode 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 doesn’t 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 RMD’s). They also...
2024-10-3151 minE.A.S.E. Into Retirement Radio ShowEpisode 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 doesn’t 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...
2024-10-3151 minE.A.S.E. Into Retirement Radio ShowEpisode 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 doesn’t 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, we’ll explore three critical risks: the risk of longevity, the risk of inflation, and the risk of healthcare costs. Tom and Kris...
2024-10-3152 minE.A.S.E. Into Retirement Radio ShowEpisode 32: "Overcoming Retirement Fears So You Can Enjoy Retirement!Are you approaching retirement and feeling uncertain about what lies ahead? You’re not alone. Retirement is a significant life transition that can bring a blend of anxiety, fear, and excitement. In today’s 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 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 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...
2024-10-3152 minE.A.S.E. Into Retirement Radio ShowEpisode 30: "Everything You Need to Know about Generational Wealth"In today’s 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: 🧐 Why is Generational Wealth the New Buzzword? Discover the driving forces behind this trending concept. 🏦 Steps to Create Generational Wealth: Learn actionable strategies to build a lasting financial legacy. 💡 Maximize Your Inheritance: If you receive an...
2024-10-3153 minEASE Into RetirementEpisode 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...
2024-10-3007 minE.A.S.E. Into Retirement Radio ShowEpisode 29: "Mistakes to Avoid Near Retirement"In today’s show, finance experts Tom Mosley and Kristin Oakley tackle essential retirement topics that you can’t afford to miss. First, they uncover key mistakes to avoid as you approach retirement, ensuring your nest egg remains secure. If you’ve 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...
2024-10-2451 minE.A.S.E. Into Retirement Radio ShowEpisode 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 “No.” 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...
2024-10-2453 minE.A.S.E. Into Retirement Radio ShowEpisode 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...
2024-10-2453 minE.A.S.E. Into Retirement Radio ShowEpisode 25: "How to Create a Secure & Exciting Retirement"Creating a secure and exciting retirement requires a variety of steps. In today’s 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 it’s a pension, social security, or creating your own “pension” 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 “non-financial’ areas to focus on to ensure you live a life of purpose and joy in retirement...
2024-10-2353 minE.A.S.E. Into Retirement Radio ShowEpisode 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 today’s show, Tom and Kirstin discuss some of these unique challenges and the different steps women can take to overcome them. They’ll also dive into the question, “Can I retire comfortably with $500,000 in retirement savings” and share 7 tips that will help make that possible. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 0:00 Retirement Planning for Women 05:58 Why women retire earlier than expected. 07:5...
2024-10-2351 minEASE Into RetirementEpisode 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 today’s video, retirement expert Tom Mosley breaks down the most common traps retirees fall into – and how you can sidestep them with confidence. Don’t let poor planning or impulsive decisions jeopardize your financial freedom. 🌟 Here's What You'll Learn: •Mistake #1: Saving Too Little – Discover why it’s crucial to start saving early and the impact of even small contributions over time. •Mistake #2: Piling on Debt – Learn how to avoid the burden of debt as you transition into...
2024-10-1608 minE.A.S.E. Into Retirement Radio ShowEpisode 20: "What to Anticipate as you Transition into Retirement"Transitioning into retirement is a process that also includes a lot of adjustments. In today’s 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. They’ll also share some recent studies that reveal the concerns “Boomers” and “Gen Xers” have as they face the future and prepare to take the plunge into retirement. ump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 What to Anticipate as you transition into Retirement. 03:54 Anticipate the personal and financial adjus...
2024-10-1052 minE.A.S.E. Into Retirement Radio ShowEpisode 18: "Refinance Your Retirement"While higher interest rates are not optimal for refinancing a home, they can be great for refinancing your retirement! In today’s 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 isn’t 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...
2024-10-1051 minEASE Into RetirementEpisode 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?! It’s a balancing act that can feel extremely overwhelming, especially with market uncertainties, inflation, and rising costs. But here’s 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 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 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...
2024-10-0919 minEASE Into RetirementEpisode 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 today’s 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 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 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...
2024-09-2518 minEASE Into RetirementEpisode 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, “10 Hidden Costs in Retirement,” 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. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 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...
2024-09-1812 minE.A.S.E. Into Retirement Radio ShowEpisode 17: "Divorce & the Financial Impact on Retirement"Divorce is difficult anytime, but it’s especially difficult when it happens during in or nearing your retirement years. It’s the event that can singly halve your assets while doubling your expenses, which can be catastrophic in retirement. In today’s show, Tom & Kristin delve into what people are calling “Gray Divorce” and discuss why it’s 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 won’t want to miss. Tom also...
2024-09-1852 minE.A.S.E. Into Retirement Radio ShowEpisode 16: "What Taxes Will I Have to Pay in Retirement" Part 3In this third installment in our series on Taxes in Retirement, Tom helps answer the question “What taxes will I have to pay in retirement?” 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 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 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...
2024-09-1851 minE.A.S.E. Into Retirement Radio ShowEpisode 15: "Paying Taxes in Retirement - What You Need to Know" Part 2There 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 RMD’s. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 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 haven’t been adjusted for 40 years. 40:12 Taxes & RMDs Have specific questions for Tom and the tea...
2024-09-1849 minE.A.S.E. Into Retirement Radio ShowEpisode 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 you’ll have to pay in retirement and shares insight into the things you can do to start creating a strategy to minimize them. You’ll 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...
2024-09-1852 minEASE Into RetirementEpisode 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. 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) 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...
2024-09-1105 minEASE Into RetirementEpisode 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...
2024-09-0418 minE.A.S.E. Into Retirement Radio ShowEpisode 11: "Can I Retire in My 50's?"One of the biggest questions we’ve been encountering lately is “Can I retire in my 50’s?” It’s a simple question, however the answer is a lot more involved. In today’s 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 50’s. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Intro: Can You Retire in Your 50’s 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...
2024-08-2951 minE.A.S.E. Into Retirement Radio ShowEpisode 10: "How to Make 2024 Even Better Financially"In today’s 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 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 How to Make 2024 Even Better Financially 01:26 How to make your RMD’s better in 2024 – Options to...
2024-08-2951 minE.A.S.E. Into Retirement Radio ShowEpisode 9: "Things to Consider When You Want to Be Hands On with Your Retirement"In today’s 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 “4 plans”) 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. Whether you're just starting out with your 401(k), looking...
2024-08-2950 minE.A.S.E. Into Retirement Radio ShowEpisode 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" – those pivotal 5 to 10 years before retirement. In this episode Tom and Kristen unveil the playbook for a winning retirement: 🏈 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. 💡 Score Big with Maximized 401K Funding: Discover why funding your 401K to the max is a game-changer. Tom and Krist...
2024-08-2947 minE.A.S.E. Into Retirement Radio ShowEpisode 5: "The Sandwich Generation - Managing the Cost of Caring for your Parents & Your RetirementIf 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...
2024-08-2952 minE.A.S.E. Into Retirement Radio ShowEpisode 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. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 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 isn’t the “be...
2024-08-2952 minEASE Into RetirementEpisode 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 retirement—often referred to as the “go-go years.” Before making this life-changing decision though, it’s crucial to assess whether you’re financially ready to retire. If you’re thinking about retiring now, make sure you have...
2024-08-2817 minE.A.S.E. Into Retirement Radio ShowEpisode 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. In today’s 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. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 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 “lumberyard” & necessary to help build your...
2024-08-2751 minEASE Into RetirementEpisode 117: "I'm in My 60's & Got Laid Off. Now What?"🚨 Laid Off in Your 60s? Here’s What to Do Next! 🚨 Life can throw unexpected curveballs and getting laid off in your 60s is one of them. But don’t 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. Here’s what we cover: What to do the first 24 to 48 hours The first things you should assess Creating an immediate Needs Checklist 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...
2024-08-2110 minEASE Into RetirementEpisode 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 today’s 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 don’t leave your retirement security to chance—empower yourself with the kn...
2024-08-0707 minEASE Into RetirementEpisode 114: "Why Do I Need a Retirement Budget?"Why do you need a budget in retirement? It's a common question. Maybe you’ve worked hard, built a nice nest egg, and don’t see the urgency in creating one, or perhaps you’re on a fixed income and the thought of budgeting feels overwhelming. In today’s video, retirement expert Tom Mosley breaks down why creating a budget is essential for a successful retirement plan. He’ll 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...
2024-07-3111 minEASE Into RetirementEpisode 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 it’s no wonder – 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. What You’ll Learn in This...
2024-07-1708 minEASE Into RetirementEpisode 111: "Got a Million & Want to Retire in Your 50's? Here's Your Reality CheckAre you 55 or in your 50’s with a million dollars saved and wondering if you can retire NOW? It’s a question that gets asked often. In today’s show, Tom addresses the 4 biggest issues that you must consider when deciding whether you’re 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 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄!👇 TIMESTAMPS 00:00 Got a Million in Your 50’s and Want to Retire? 00:12 First thing you have to consider: In Your 50’s you’re in your Go-Go Stage. 01:09 Second thing to consider: T...
2024-07-1009 minEASE Into RetirementEpisode 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 it’s no wonder – 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. ✨ What You’ll Learn in This Video: Proven strategies to protect your savingsTips to outpac...
2024-07-0310 minEASE Into RetirementEpisode 109: "Retiring in 5 Years? Do These 5 Things NOW!"If you’re reading this, chances are you’re contemplating retiring in 5 years! Whether you’re planning on retiring early in your 50’s, or you want to hold off until your 60’s & 70’s, there are several crucial steps you must take NOW so you’re 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 you’re just starting to think about retirement and need some guidance on next steps. Successful retir...
2024-06-2607 minEASE Into RetirementEpisode 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 it’s 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...
2024-06-1909 minEASE Into RetirementEpisode 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. 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...
2024-05-2209 minEASE Into RetirementEpisode 102: "5 Crucial Steps to be Retirement Ready in 5 Years"In today’s video, Tom shares 5 crucial steps you can take now to be retirement ready in 5 years. Whether you’re 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. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 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 You’re 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...
2024-05-0810 minEASE Into RetirementEpisode 101: "I'm Scared of Running Out of Money in Retirement" Why Today's New Annuities Can Help.If you’re scared of running out of money in retirement, you’re not alone. In fact, it’s 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 today’s 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. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Why the newer annuities are worth a look. 01:03 Reason #1 – The Bells & Whistles 02:00 Reason #2 – Principal Protection 02:50 Reason #3 – Prospect for Growth 03:32 Reason #4 – Grows Tax Deferred 04:02 Re...
2024-05-0106 minEASE Into RetirementEpisode 100: "Laid Off Near Retirement: Do These 5 Things Now to Determine if You Can RetireHave 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 today’s 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 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 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...
2024-04-2411 minEASE Into RetirementEpisode 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 today’s 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 it’s important to act now. Learn how the 20% reduction in benefits could translate to a significant loss...
2024-04-1706 minEASE Into RetirementEpisode 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...
2024-04-1007 minEASE Into RetirementEpisode 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. 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) 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 inco...
2024-03-1305 minEASE Into RetirementEpisode 95: How to Develop a Retirement Game PlanHappy retirees and Superbowl Champions both know the importance of having a winning game plan. In today’s 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. 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...
2024-02-0810 minEASE Into RetirementEpisode 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...
2024-01-3108 minEASE Into RetirementEpisode 93: Retiring in 5 Years? Do These 5 Things NOW!If you’re reading this, chances are you’re contemplating retiring in 5 years! Whether you’re planning on retiring early in your 50’s, or you want to hold off until your 60’s & 70’s, there are several crucial steps you must take NOW so you’re 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 they’re so important when it comes to maximizing your retirement dreams. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 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...
2024-01-2508 minEASE Into RetirementEpisode 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? It’s a question that gets asked often. In today’s show, Tom addresses the 4 biggest issues that you must consider when deciding whether you’re 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 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Intro & Why people that are 55 are wanting to retire earlier. 01:30 First thing you have to consider: At 55 you’re in your Go-Go Stage. 02:30 Second thing to consider: The Gap & the financial impact you’ll face...
2024-01-1710 minEASE Into RetirementEpisode 91: Don't Let Taxes Knock You Out of Retirement😱 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. 💡 The Good News? There are some key strategies you can implement that will help you minimize your tax-burden and maximize your savings. 🧐Let’s 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. 💡Maximize Your Financial Security: Learn some steps...
2024-01-1008 minEASE Into RetirementEpisode 90: Avoid These Top 3 Mistakes People Make as They Approach RetirementHave you ever wondered why some people sail through retirement while others hit stormy seas? Today we’re going to uncover three colossal mistakes many make as they head into retirement. We’ll also share some steps you can take NOW to correct your course and help ensure a smooth and thriving retirement. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Intro to the 3 biggest mistakes people make heading into retirement. 01:00 Mistake #1 – Saving Too Little 02:30 Mistake #2 – Piling on Debt 03:30 Mistake #3 – Shiny Object Investment 05:05 Steps you can take to get on track and avoid the mistakes. 05:40 How to save – simplified. 06:05 Tips on getting out of debt. 07:15 Investing 07:45 How to get professi...
2024-01-0308 minEASE Into RetirementEpisode 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. (“MWM”). 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...
2023-04-0510 min
EASE Into RetirementEpisode 73: Everything you need to know about 401K rolloversOne 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. Don’t spend more time wondering about whether you’re ready to retire. Prepare now, so you can...
2023-03-2211 minEASE Into RetirementEpisode 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. (“MWM”). 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...
2023-03-1512 minEASE Into RetirementEpisode 67: What is meant by the Social Security breadwinner provision?“Breadwinner”, 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. Let’s 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. (“MWM”). 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...
2023-02-0806 min
EASE Into RetirementEpisode 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.
2023-01-1307 minEASE Into RetirementEpisode 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
2022-11-0908 min