Think
Retirement
Now.

Although many people DON’T think about owning life insurance, many, many people do. Life insurance has evolved from just a few choices in the old days, like whole life and straight term, to more advanced and flexible forms of Universal Life insurance which can be tailored to fit your needs for tax advantaged  retirement income that does not trigger taxes on Social Security, leaving a tax free legacy, and tax planning goals.  Unlike the policies of old, today’s next generation of cash value life insurance can deliver the goods on multiple benefits with the same dollar. For example, quite a number of cash value life insurance policies on the market can double as a LONG TERM CARE funding vehicle. You get triple the benefits with the same insurance dollar. Today we’ll review these policies and show you why many people are converting IRAs to tax free life insurance, rather than ROTH IRAs.  An important show you don’t want to miss  MASTERING MONEY is on the air!!!

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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!!

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Retirement is supposed to be easy.  This is the time in your life when you want to start relaxing and enjoying your life. You’ve 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!   Today, a ten year treasury bond is paying less than one point seven percent!   Yet the advice you still may get from a big-box-brokerage like Vanguard, Fidelity, or Edward Jones,  is to keep buying those bonds paying the lowest interest in one hundred years. Today, Steve  will break down what a huge risk you may be taking, and how to fix it.  Don’t miss today’s show MASTERING MONEY is on the air!

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According to the Wall Street Journal, the rise of technologies that help the elderly stay in their homes threatens to upend one of commercial real estate’s biggest bets: Senior housing.  While there is no question that there has been a boom in senior housing, especially in sun belt states like Arizona, new products and services include sensors that respond to a range of medical conditions, facial recognition for identifying visitors, and houses with malleable fixtures that can be adjusted as residents age.  Also, More and more interactive technology will be available for seniors living at home. Venture capital and other firms are expected to invest about $1 billion dollars this year in these,  and other so-called “aging in place” technologies. We’ll review an intriguing Wall Street Journal report on the topic, then Medicare expert Shelley Grandidge joins us.  Don’t miss it–MASTERING MONEY is on the air!!

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Older Americans are selling off the stock market, slowly but relentlessly…. to junior generations.  According to CNBC, Baby boomers own an outsized helping of the market and are constantly reducing it–due to RMDs and other factors.  This is a process that is non-stop because 250,000 boomers turn 72 every ninety days. Analysts point out it will have an effect on  supply and demand for equities in the short, medium, and long runs.  Millennials, now the largest generation by population, lack the financial wherewithal to pick up the slack.  How will this long term drain, expected to accelerate over the next five and ten years, affect your investments?  What changes to your current financial plan might you make to make sure your retirement is not impacted?  We’ll lay out all the statistics, with some very timely strategy choices you’ll want to know more about. Don’t miss it….MASTERING MONEY is on the air!!!!

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A new landmark retirement study has found that the number of Protected Households has risen for the first time since 2018. The Alliance for Lifetime Income’s annual Protected Lifetime Income Study revealed a total of  3.1 million NEWLY  Protected Households and identifies five profiles of Americans planning for retirement. This is the first time since 2018, that the number of Protected Households in the US has increased. Today we’ll review exactly what that means. We’ll learn why the share of protected US households grew from 37% in 2019 to 40% this year, the largest increase on record.  Then Medicare expert Shelley Grandidge joins us to clear up all the hoopla going on with Medicare. Shelley will make things clear and simple…which is something we ALL need! ….You don’t want to miss TODAY’s show…MASTERING MONEY is on the air!!!

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We all enjoy making good money on our investments…. AND, We all would prefer relatively calm markets with no abrupt surprises, no disappointments, and no shocking draw-downs. But that is living in a dream world. Like it or not, we happen to be living at one of the most volatile times in history, with unprecedented economic forces at work.    As an investor, you have a choice to make. Either you are going to take an old fashioned-one-size-fits-all approach to risking and growing money in the markets, or you are going to take a more pro-active stance–protecting your nest egg against loss,  and paying yourself LASTING retirement income.  What is needed in today’s uncertain times–especially for those of retirement age, is a purpose-driven approach your money.  If you find that your money is causing you stress, and you lack a deep sense of security, something is wrong. Today, we’ll talk about how to make it right–with a SMART well built financial plan…don’t miss today’s show, MASTERING MONEY  is on the air!!

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The two largest assets of most middle and upper middle-class households are the family home and the 401(k) or other employer-sponsored plan. These assets form the core of almost every American family’s financial security.    How important are these assets? They are so important that homeowners are REQUIRED to carry insurance on their houses by most mortgage lenders, if not by state law. And, when you buy your home, title insurance is required. Why? Because the outcomes of these transactions cannot be in question.  What if you could insure that you would never again take an investment loss due to the stock market falling, and in the same asset insure that you and your spouse would always have a monthly income that would never go down—like a pension? There is a unique form of principal secure retirement annuity available now that can do just that, plus much more, without all the fees of variable annuities. Steve  will review it in detail. You don’t want to miss today’s show  MASTERING MONEY is on the air!!

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A Wall Street Journal-published-report points out that many of us routinely—and even BLINDLY—rely on the advice of ALGORITHMS in all aspects of our lives today, from choosing the fastest route to the airport to deciding how to invest our retirement savings. In short, WE are programmed– not just our phones. And we’ve come to rely on—and trust—algorithms for many things we do.  ….But should we trust them as much as we do? Research suggests maybe we shouldn’t.  Especially when it comes to high-stakes financial decisions that can affect our retirement savings.  Algorithmic trading uses computer programs to trade at high speeds and volume. Today, four fifths of all trades in the U.S. stock market are either fully or partially done by algorithms. Index funds are especially vulnerable. Today, we’ll explain how to build a retirement investment strategy that can benefit from algorithms, not be crushed by them.  A very timely show you don’t want to miss…MASTERING MONEY is on the air!!

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Whether knowingly or not, millions of Americans voted for higher gas and electricity prices when they voted for Joe Biden, and based on recent market action, they are already getting a return on their vote “investment.”  Joe Biden has been busy.  He has been practicing speeches and signing so many orders, he has set a record. Shutting down the XL Pipeline appears only to be the beginning. Reports are that the first one hundred days for the Joe Biden presidency may include a declaration of emergency with relation to Climate Change that further decimates the fossil fuel industry which provides a million jobs. Gas and oil prices are already rising and could go up dramatically this year.  Non partisan experts point out that the 2015 Paris Climate accord, which Biden is joining again, will wipe out close to 2.5 trillion dollars in gross domestic product by the year 2035 and require the United States to pay billions in climate reparations to the U.N…We have a complete report for you today,  and then Medicare expert Shelley Grandidge joins us.  A timely show you don’t want to miss…MASTERING MONEY is on the air!!

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