We've all heard the sales pitches! "Permanent life insurance solves all of your problems!" For those of you who have followed me for a period of time know I don't believe this to be true. But at the same time, there is a large % of the financial advisor (and Read More

I hope you enjoy this one! I am not going to give it away in the description but here are the most common responses I hear from people (until they listen to this episode of course): - Tax planning - Peace of mind - Investment management - Income distribution planning Read More

Most people go into retirement without Long-term Care Insurance. Meaning, they plan to "self-fund" Long-term Care expenses. But really, what ends up happening is that a family member, or family members, will end up providing the care. In fact, 70% of care provided is done by unpaid caregivers (aka family Read More

This is part 2 of 3 in our series, "How to pay for Long-term care costs in retirement." Rodney Mogen and Peter Ciravalo from BC Brokerage are my guests again today and they bring a ton of knowledge on this topic! There is a reason Hybrid Long-term Care policies now Read More

One commonly shared concern for all retirees and pre-retirees I've spoken to over the years: "Never be a burden on your loved ones." As we all go through the aging process, the potential need for extended care is more and more at the forefront. However, many pre-retirees and retirees fail Read More

The Wall Street Journal just came out with an article called "How to Retire Better, From Retirees Who Learned the Hard Way." What's interesting is that 2 of the 3 suggestions had NOTHING to do with money or finances! It was all about purpose and relationships. So, this podcast is Read More

The Wall Street Journal just came out with an article called "How to Retire Better, From Retirees Who Learned the Hard Way." What's interesting is that 2 of the 3 suggestions had NOTHING to do with money or finances! It was all about purpose and relationships. So, this podcast is Read More

Did you know your Social Security benefits in retirement could be 100% tax-free? Perhaps you didn't even know Social Security would be taxable as many of you paid into the system for decades! Today we will unpack how Social Security retirement benefits are taxed, and most importantly how to reduce Read More

Sometimes "hanging tight" isn't the best solution during times of volatility. We've had two bear markets since the Great Recession of 2008. COVID-19 was the first, and the inflation that ensued thereafter in 2021-2022 led to the second. Tax Loss Harvesting involves selling investments when they are down in value Read More

Roth conversions are definitely gaining lots of popularity, especially with the Tax Cuts and Jobs Act of 2017 expiring in 2026. Because of this, I have noticed consumers believe they should automatically start converting their IRAs and 401ks to Roth accounts! First and foremost, you have to run the numbers. Read More

Roth conversions are definitely gaining lots of popularity, especially with the Tax Cuts and Jobs Act of 2017 expiring in 2026. Because of this, I have noticed consumers believe they should automatically start converting their IRAs and 401ks to Roth accounts! First and foremost, you have to run the numbers. Read More

Nobody wants to think of themselves as old or frail. In fact, many retirees in their 60s, 70s, and even 80s are still traveling the world. The risk of extended care will never impact them. But if you need extended care, what are the consequences to your loved ones? They Read More

Nobody wants to think of themselves as getting old or frail. In fact, many retirees in their 60s, 70s, and even 80s are still traveling the world. The risk of extended care will never impact them. But if you need extended care, what are the consequences to your loved ones? Read More

Nobody wants to think of themselves as getting old or frail. In fact, many retirees in their 60s, 70s, and even 80s are still traveling the world. The risk of extended care will never impact them. But if you need extended care, what are the consequences to your loved ones? Read More

It's natural for us to think about how to GET to retirement, but not about how retirement will actually work. The same is true for saving into a 401k or 403b plan.  Most think about how to invest their 401k and maximize growth.  However, what about the distribution process?  And Read More

It's natural for us to think about how to GET to retirement, but not about how retirement will actually work. The same is true for saving into a 401k or 403b plan.  Most think about how to invest their 401k and maximize growth.  However, what about the distribution process?  And Read More

2022 was a tough year for both stocks and bonds.  In fact, it was perhaps the worst year for a 60/40 portfolio, period.  For retirees, this makes income planning very difficult!  How do you combat record inflation when both stocks and bonds are falling?  Additionally, the risk in stocks is Read More

2022 was a tough year for both stocks and bonds.  In fact, it was perhaps the worst year for a 60/40 portfolio, period.  For retirees, this makes income planning very difficult!  How do you combat record inflation when both stocks and bonds are falling?  Additionally, the risk in stocks is Read More

As a financial professional who specializes in retirement, I would never tell a client to spend MORE than they can.  However, I will tell them what they CAN spend while still maintaining their financial independence.  Oftentimes, it's more than what they are currently spending, especially in the "Go-Go Years" of Read More

Now that you have made the decision on when to retire, the next step is to figure out how to pay for healthcare expenses.  This episode features Ari Parker, the Lead Medicare Advisor at Chapter.  Chapter is a Medicare broker that specializes in helping people make important decisions on healthcare Read More