Podcast
Think
Retirement
Now.
Mastering Money 8/26/22
People who don’t like losing money in the stock market are often described as “risk-averse”. In reality, behavioral scientists will say that you may not be RISK averse, but rather LOSS averse. There is a difference, and it matters when you are designing your financial plan. Las Vegas is loaded with people who are not risk averse. In fact, they take pleasure in taking a risk. But all of them are LOSS averse. Today, we’ll clearly define the difference and why you need to know it when determining HOW to allocate your investments for retirement, and it may SHOCK you! Then health insurance and Medicare expert Shelley Grandidge joins us for the Q & A. An important show you don’t want to miss….MASTERING MONEY is on the air!!
Mastering Money 9/7/22
So… “when IS the best time to take Social Security?” Should you take it early, later, or right at Full Retirement Age? Is there a sweet spot where you beat the system at its own game? Entire books have been written on the topic, and there are many seminars on the topic going on almost every day. Most of the confusion about when to take Social Security income centers on SPOUSAL benefits. Today, we review the new rules of Social Security claiming– and outline a circumstance when it makes sense for the younger spouse to start benefits early. Then health insurance and Medicare expert Shelley Grandidge joins us for the Q & A. …A fact-filled show you don’t want to miss…MASTERING MONEY is on the air!!
Mastering Money 9/14/22
For more than eight decades, the Social Security program has played a critical role in providing a financial foundation for our nation’s retired workers. Most people build their long term retirement plan around the certainty of a steady check from Social Security. According to the Centers for Budget and Policy Priorities, the system singlehandedly pulls more than 15 million retirees out of poverty every year. It’s safe to say that without it, our nation would be in a constant state of recession. Which is why it is alarming that the program faces serious financial hurdles in the years ahead. In fact, due to the COVID 19 Pandemic, the Social Security retirement fund could face depletion as early as 2030. Steve and I will review the details and the facts. Then Medicare and Health insurance expert Shelley Grandidge joins us for the Q & A. A truly fact-filled show today that you don’t want to miss…MASTERING MONEY is on the air!!!
Daily IQ Retirement Brief 9/15/22
Daily IQ Retirement Brief 9/15/22
Daily IQ Retirement Brief 9/21/22
Daily IQ Retirement Brief 9/22/22
Daily IQ Retirement Brief 9/22/22
Daily IQ Retirement Brief 9/22/22
Your Daily IQ Retirement Brief 8/22/22
Your Daily IQ Retirement Brief 8/22/22
Mastering Money 8/23/22
We all know the difference between a mutual fund, a pension, and a savings account . You don’t spend too much time thinking about what a savings account IS, but rather, what it DOES for you. The same with a pension. A pension has one purpose: to pay yourself an income you can never outlive. Easy stuff. Very smart planning. IF you are fortunate enough to have one. Mutual funds typically have one main purpose: to help you try to grow your money, but with more risk than a bank account or a pension. So, what is an annuity? Well, it can combine all of these features in one instrument. Today, we’ll break down the basics of annuities to help make them simple and easy to understand. A fact filled show you don’t want to miss, MASTERING MONEY is on the air!!!
Your Daily IQ Retirement Brief 8/23/22
Your Daily IQ Retirement Brief 8/23/22
Mastering Money 8/24/22
How well have you done with your investments over your lifetime? You’ve had some good years where you got twenty percent or so perhaps. But, like the rest of us, you have had some STINKERS. Most investors lose money an average of three years out ten. That’s why averaging ten percent is so hard. Most investors also buy stocks or mutual funds haphazardly–without a clear strategy. That’s another proven way to hurt your overall returns. How long does it take to DOUBLE your money? Using the Rule of 72, money doubles every eighteen years at four percent compounded, it doubles every twelve years at six percent compounded, and every nine years at eight percent compounded. Today, we’ll review the real secrets of raising your average rate of return and how get a guaranteed bonus of ten percent on a safe fixed income vehicle, with a GUARANTEED growth rate of 7 percent COMPOUNDED. Then health insurance expert Shelley Grandidge joins us. A very timely show you don’t want to miss…MASTERING MONEY is on the air!!!
Who We Are
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Guide & Coach
How We Work
Our Mission
Keeping Your Retirement Goals Front and Center
As we begin the planning process, your retirement goals remain our top priority. Clearly defining the kind of retirement you envision allows us to strategically align each asset with a specific purpose and timeline—ensuring your money works for you, when you need it.
At this stage, most of our clients have important questions, such as:
- Social Security: When is the best time to start collecting?
- Required Minimum Distributions (RMDs): How will they impact your taxes and income?
- Current Portfolio Review: What’s working, what’s not, and what adjustments make sense?
- Retirement Security: How protected are you from market volatility?
- Mutual Fund Concerns: Are they too risky for your retirement goals?
- Risk Reduction & Income Growth: How can you create more stability?
- Tax Strategies: How can you minimize your tax burden in retirement?
- IRA Rollovers & Roth Conversions: Are they the right move for you?
- Investments & Annuities: What role should they play in your financial plan?
- “Are annuities really safe?” (Hint: It depends on the type of annuity and how it’s structured.)
If you have additional questions, we’re here to answer them all—ensuring you feel confident and in control of your retirement future.
Getting Started
Step #1
Schedule
Schedule Your Free Retirement Review with an experienced advisor who focuses on retirement.
Step #2
Review
We evaluate your current situation and identify key action points — starting to develop your strategy.
Step #3
Plan
Once we arrive at the retirement strategy that is best suited for you, we go to work to make it reality
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