Alex
Retirement DNAEpisodes
Episodes of Retirement DNA
Mark All
Search Episodes...
1. There are 3 potential ways to balance the US Budget and start to pay off debt. 2. 2. Soon the U.S. will be spending more on interest on our than we will spend on any other program. 3. 3. The math doesn’t work out to only raise
Take intermittent steps into retirement. Go part-time, then retire. Work with a financial planner that will look holistically at your income and assets. If you don’t have a pension, be sure you have a strategy for taking Social Security. That
The traditional way of investing doesn’t work. Research proves it It only works in up markets. Your income bucket should last 12+ years. It’s important to keep your income bucket away from your growth bucket. You can’t have your safe bucket go
Only about 25% of Americans have been able to reach this goal. A traditional balanced portfolio no longer works according to JPMorgan and Goldman Sachs studies. Add in some guaranteed products, like annuities. Even the big Wall Street firms li
1. Only about 25% of Americans are able to reach this goal. 2. A traditional balanced portfolio no longer works according to JPMorgan and Goldman Sachs studies. 3. If you add in guarantees to your portfolio, you can still take
Required Minimum Distribution changes to age 73 and will move to age 75 in 2033. The Required Minimum Distribution penalty of 50% decreased to 25% and possibly down to 10%. Catch-Up contributions have increased and will increase even further f
Remember the 3 – legged stool? The pension leg has gone away. Maybe you can create your own now. Safe money on the sidelines has been earning nothing. Now might be a good time for the next few years for a CD Alternative or a short-term, high q
If things look bad, don’t freeze with indecision, come talk with us Don’t be afraid to make a change, even it if means paying taxes Sometimes you have to make a change to rescue your retirement Make sure you have a way to limit losses Base you
Knowing the average return of a portfolio doesn’t tell the whole story. You don’t have to have great returns to end up in a really good place. Bonds are the go-to safe haven for the stock market, but where do you go when bonds are down more th
Everyone’s situation is different. What’s right for you may not be right for someone else. Be sure to run the numbers. Know when your breakeven age is. Your reason might be a good one to start early, but does it make the most financial sense?
Set a capital gains tax budget Work with someone that will tax loss harvest Don’t be afraid to sell the losers If you have cash on the sideline waiting for rates to go up, we have other options for you!
Three biggest fears: Out living their money, Health Care and rising taxes. Don’t be so paralyzed with fear that you keep working when you don’t have to and don’t want to. Work with an advisor that is going to address the whole retirement pictu
Your retirement plan must address, longevity, healthcare, inflation, taxes and investments. The conventional “Balanced Portfolio” is not going to work. Just one market drop of 20% or more in the first 10 years can have drastic consequences. Ma
If your advisor doesn’t show you How you are good and set for retirement, then you probably aren’t. If your advisor just talks about how you have a 60/40 portfolio and says you’re good and set for retirement, you probably aren’t. What happens
Truth is, you may be in a higher tax bracket than when you were working. If you are still working, maybe you shouldn’t be following “conventional wisdom”. There are strategies that can be started now to save on taxes in retirement. Tax Plannin
Which level of advisor are you currently using? What areas of planning does your advisor cover? Is your advisor addressing your planning needs? A good retirement plan covers more than just investments. It included taxes, health care, risk mana
Look at your accounts with your Reality Glasses on Understand that the amount you see on your 401(k)/IRA statement isn’t all yours Make smart long term tax decisions Know the difference in tax between converting all at once or over a certain t
Takeaways: Make sure you know what your tax liability looks like in retirement. Your RMD’s can cause the tax you pay to go up on all other sources of income. Would a Roth IRA conversion or special designed life insurance benefit you? Have a Ro
Takeaways: Know your protection needs for the unknown. Life insurance is a useful tool in retirement if done correctly. Better to be overinsured than underinsured.
Work with a holistic planner. Manage money in an asymmetrical way. Plan for taxes in the future, not just now. Make sure you have planned for the unknown.
Know the types of accounts you have and how they will be taxed. Work with a holistic financial planner to look at all aspects of your plan. Take steps now to minimize taxes in retirement.
Have a realistic idea of your life expectancy. Start to get a feel for what you spend each month. Know what your other assets are and how they will generate income for you. Know the amounts of your Social Security benefit at your different age
Have goals and plan for them. Create an asset allocation that will give you steady stable income. It’s about the math and not the markets. Make sure your plan can withstand the losses of the market.
Have a goal and plan for it. It’s all about BALANCE. Do the math.
Both are diversified stock or bond portfolios. Both can easily be purchased. ETF’s are more tax efficient. ETF’s offer greater transparency.
Join Podchaser to...
- Rate podcasts and episodes
- Follow podcasts and creators
- Create podcast and episode lists
- & much more
Unlock more with Podchaser Pro
- Audience Insights
- Contact Information
- Demographics
- Charts
- Sponsor History
- and More!
- Account
- Register
- Log In
- Find Friends
- Resources
- Help Center
- Blog
- API
Podchaser is the ultimate destination for podcast data, search, and discovery. Learn More
- © 2024 Podchaser, Inc.
- Privacy Policy
- Terms of Service
- Contact Us