Think
Retirement
Now.

It’s hard to blame investors for trying to save on fees and expenses when they invest their hard earned money. After all, most of us have a natural desire to save money on almost everything we do.   Therefore,  no-load mutual funds and index ETFs sound like sensible places for our money. These mutual funds and ETFs have very low expenses and can be excellent tools when used in the proper way, for the proper purpose, in the right amounts, and at the right time of your life.   However, we need to be careful to use the right tool for the right job.  A scalpel is a precision tool that can help perform miracles in the right hands, but without the skill, the experience, the training, and the talent, it is just a sharp knife and can even be dangerous. Today we will demonstrate how low fee mutual funds and ETFs can end up costing you more than you ever thought in retirement. Learn to invest SMARTER. Don’t miss today’s show, MASTERING MONEY is on the air!!

Check out this episode!

The rule of 55 is an Internal Revenue Service rule that allows workers who are 55 or older to withdraw money from their employer-sponsored retirement accounts penalty free if they leave their jobs. What about taxes, and/ or loans on 401ks? We’ll review it all in the Market Intel Segment,  then Shelley Grandidge joins us. Don’t miss it…MASTERING MONEY is on the air!!! 

Check out this episode!

..When markets correct, it gets easier to remember that what goes up DOES come down one day… and that in the long run, the averages play out! …So, what rate of return should you expect to make on your investments over the next ten years? History reveals that the higher a market goes in one ten year period, the lower the following ten year period will likely go. The experts at BlackRock–the largest mutual fund company in the world has published its projection of returns for the next ten years at a chilling 5.9% for U.S. stocks and only 3.1% for U.S. bonds. Vanguard, the largest brokerage in the world,  expects six percent and three percent respectively. If it happens, is your financial plan prepared for lower returns for the next decade?”  Today, you’ll get the real facts and learn about real solutions! MASTERING MONEY is on the air!

Check out this episode!

MM CLIP

It’s only natural–most investors try to accumulate as much money as possible to alleviate the worry of running out of it one day. And why not? The more assets you have, the less you should worry, right? If only that were true! It turns out that most retirees worry about the possibility of running out of money on a regular basis. Even a good portion of the nation’s eleven million millionaire households worry about money frequently.

According to a 2015 study by TIAA-CREFF, “Fifty percent of investors with at least $250,000 in investable assets say their most important investment goal is to generate income in retirement, and only 41 percent say their top goal is to accumulate savings for retirement. After two fifty percent market crashes and government debt out of control,  smart retirees know they can’t rely completely on Wall Street to save them! There is simply too much risk! Today we’ll explore why even bonds and real estate are at high risk as interest rates rise. You don’t want to miss it! MASTERING MONEY is on the air!!

Check out this episode!

Daily IQ Retirement Brief 7/8/25

Check out this episode!

Medicare drug plans are much more affordable this year for millions of Americans, courtesy of those nasty rich taxpayers. We’ll review how the significant savings will work in 2024 and 2025 in the Market Intel segment, then Medicare expert Shelley Grandidge joins us to dig a little deeper in the Q & A.  A fact filled show you don’t want to miss, MASTERING MONEY is on the air!!! 

Check out this episode!

Daily IQ Retirement Brief 5/1/24

Check out this episode!

In retirement, you really can’t afford major market crashes– have you wondered why more than two hundred billion dollars a year in new annuities are being acquired—many  for 401k and IRA rollovers by professional  engineers, teachers, doctors, accountants, business owners, and attorneys?  Today we’ll explore which types of annuities pay the most, cost the least,  protect your heirs, and protect your principal! Learn how to preserve what you’ve worked hard to accumulate, while staying in position to grow your principal and enjoy exceptional income for life!

Check out this episode!

Certified Financial Planner® Matt Zuccaro, who spent 25 years in wealth management with Schwab,  joins Steve to review common mistakes to be avoided, and what to do now to help reduce your taxes, protect your estate, receive tax planning and preparation with no extra charge. Matt is now a senior advisor with Fullerton Financial Planning. Don’t miss this one, MASTERING MONEY is on the air!!!

Check out this episode!

If you weigh 200 pounds and your weight balloons to 220 in one year, your inflation rate is 10%. If you keep your weight at 220 for the next twelve months, and you work for the government, your inflation rate is reported as “zero.” Sounds good, but you still are fatter than you want to be or need to be.  We’ll examine some overlooked areas of inflation in the Market Intel Segment and then an in-depth outlook for markets in 2024. A fact filled show you don’t want to miss, MASTERING MONEY is on the air!!!

Check out this episode!