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Think
Retirement
Now.
Daily IQ Retirement Brief 9/20/22
Daily IQ Retirement Brief 9/20/22
Daily IQ Retirement Brief 9/27/22
Daily IQ Retirement Brief 9/27/22
Mastering Money 9/30/22
Historically, we’ve always referred to the traditional sources of retirement income as a three-legged stool, composed of:
1. Government entitlement programs (Social Security and Medicare)…2. Personal savings and investments …and , 3. Employer-sponsored defined benefit plans like pensions. In the past, retirees could typically count on ALL three sources for retirement income roughly divided into thirds. With this traditional scenario, both the government and employer-sponsored plans were considered predictable, reliable income sources that may also be adjusted for inflation. So two thirds of your plan for retirement was set. Only one-third was the responsibility of the individual. Today, TWO thirds of the responsibility is yours, and the other leg–Social Security–is getting a little loose in the screws. Today we’ll examine how COVID 19 may affect your Social Security, and then Medicare specialist SHELLEY GRANDIDGE joins us for a show you don’t want to miss! MASTERING MONEY is on the air!!!
Your Daily IQ Retirement Brief 8/8/22
Your Daily IQ Retirement Brief 8/8/22
Mastering Money 9/1/22
So, just where do your beliefs and opinions come from? If you’re like most people, you feel that your convictions are rational, logical, and impartial, based on the result of years of experience and objective analysis of the information you have available. In reality, all of us are susceptible to faulty thinking and emotional biases–often at the sub-conscious level. Even the smartest person on earth can make errors in judgement. Today we’ll review why Behavioral scientists say you are susceptible to making the same investment mistakes over and over, and exactly how to fix it. A fascinating show you don’t want to miss…MASTERING MONEY is on the air!!
Mastering Money 9/12/22
Today on Mastering Money…It’s a MOTLEY FOOL MONDAY!! The Motley Fool Money Show is one of the most popular stock market TALK SHOWS in America today, featuring timely insights from top analysts. “MOTLEY FOOL MONEY” is heard by millions of listeners coast to coast—including Saturdays right here on Money Radio at 5pm! First we’ll update breaking financial news and get a read on all the indexes, THEN, we’ll take you to an exclusive broadcast of the Motley Fool Money Show, with fresh ideas to help you become a more informed investor. Steve will cap it off with proven money-making and money-SAVING ideas that you DON’T want to miss! — A jam-packed show –and we’re READY TO ROLL ! … MASTERING MONEY IS ON THE AIR!!!
Mastering Money 7/26/22
Over the past century, markets have crashed A DOZEN TIMES, several times by more than fifty percent, leaving people’s finances and dreams in disarray for YEARS. Not only is money lost, but TIME is lost. It takes time to build up a nest egg. The last thing anyone wants is to START OVER in retirement. If you’ve been saving for thirty years for your dream retirement, it makes no sense to go back to where you were ten or fifteen years ago with your money. Can that happen? Well of course, it DID happen…. TWICE… in 2000 and 2008! Are we there again? This bear market is proof of why you need to keep your money in safer, smarter buckets, so that your retirement is protected, your investments are of high quality, and your income is for life. Today, we’ll review exactly what to do NOW to make the most of your current retirement nest egg! A great show today you don’t want to miss …. MASTERING MONEY is on the air!
Mastering Money 7/28/22
Retirement is supposed to be easy. This is the time in your life when you want to start relaxing and enjoying your life. You have put in your time…you want to reap the rewards. Twenty years ago, the secret to retirement was to move half of your money to bonds paying five to seven percent…. You got the SAFETY you needed– and typically enough interest to keep you from worrying about your money. But twenty years ago, you were likely PERTURBED because the rate on a ten year treasury was dropping all the way “down” to five or six percent! Yet the advice you get from a big-box-brokerage like Vanguard, Fidelity, or Edward Jones, is to keep buying those bonds paying the lowest interest rates in one hundred years. Today, we’ll break down the risk in bond funds, and how to fix it.. Don’t miss today’s show– MASTERING MONEY is on the air!
Mastering Money 8/4/22
What if you had a magic calculator that could tell you just when to get into the market and when to get out? That would certainly be a popular gift item, but there’s one problem. No such thing exists! That doesn’t stop MILLIONS of people with money in the stock market from trying to TIME IT. JP Morgan’s new retirement guide points out what many researchers have already discovered: if you are out of the market at the wrong times, sitting on the sidelines, you will destroy your overall returns. In fact, if you missed only the TEN best days of the market over the past ten YEARS, your return would have been cut in HALF. If you missed the twenty best days, your return would be negative!! Find out how to build a REAL strategy with your investments today in a fact filled Market Intel Segment. Don’t miss it, MASTERING MONEY is on the air!!
Mastering Money 7/14/22
There are hundreds of money decisions we all make on a regular basis, but most of them are short term, small in size, and have no lasting impact on our lives. The decision on how you will pay yourself a monthly paycheck in retirement, however, is the opposite—it is long term, large in size, and will have an immense impact on your life and your spouse’s! Get it wrong, and you have a problem. But it’s harder than you might think to get it right! So, what can you do? Well, there are two main income replacement strategies used by advisors according to industry studies. The first is the Systematic Withdrawal approach, the other is the Segmentation or Bucketing approach. Today, Steve will compare the two strategies in detail, to help you determine which is right for you. … 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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