Accessible Finance For Retirement

In this episode, we answer the question: "I don't trust financial advisors because of bad past experiences. What questions should I ask to find the right one now?"

Unfortunately, you're not alone, and this is SUCH an important topic! Firstly, NOT ALL FINANCIAL ADVISORS ARE CREATED EQUAL. There are different certifications, pay structures, and philosophies.

What questions are most critical? How do you get paid? Are you a fiduciary? What are your qualifications? What is your area of expertise? What is your investment philosophy? What services do you offer? And more...

In addition, we discuss ways someone who may feel intimidated or overwhelmed by the process can make sure they're asking the right questions without feeling out of their depth. Finding the right fit is SO IMPORTANT for your security and peace of mind.

🎙️ Have a financial scenario you’d like us to discuss (without giving personalized advice)? Send your questions to [email protected]—we’ll keep your information completely anonymous!

📢 Don’t forget to like, subscribe, and share with friends who could benefit from smarter retirement planning tips!

In this episode, we answer the question: "I just retired, but my spouse is still working. How should we handle taxes now that our income brackets are so different?" Ultimately, Filing status matters, the impact of retirement income needs to be assessed, and withholding adjustments should be analyzed. For retirees not yet taking income (aka waiting to draw on SS and not required to take RMDs), there are planning opportunities in roth conversions, harvesting capital gains, and/or delaying social security to increase benefits and reduce taxable income. We discuss the various pros and cons of different planning opportunities🎙️ Have a financial scenario you’d like us to discuss (without giving personalized advice)? Send your questions to [email protected]—we’ll keep your information completely anonymous!📢 Don’t forget to like, subscribe, and share with friends who could benefit from smarter retirement planning tips!

In this episode, we answer the question: "Our adult child is struggling financially and keeps asking us for money. How do we help without jeopardizing our own retirement? Short answer: Assess your own financial help, the nature of the struggle, and the terms of the help--communication is key! Be honest about your limits, offer non-financial support where possible, and set boundaries. 🎙️ Have a financial scenario you’d like us to discuss (without giving personalized advice)? Send your questions to [email protected]—we’ll keep your information completely anonymous!📢 Don’t forget to like, subscribe, and share with friends who could benefit from smarter retirement planning tips!

In this episode, we answer questions regarding Roth withdrawals, Roth conversions, and how to choose a fiduciary advisor--including a crucial discussion on what questions to ask and what could cause a lack of consensus among planners when comparing.🎙️ Have a financial scenario you’d like us to discuss (without giving personalized advice)? Send your questions to [email protected]—we’ll keep your information completely anonymous!📢 Don’t forget to like, subscribe, and share with friends who could benefit from smarter retirement planning tips!

In this episode, we answer questions regarding whether it ever makes sense to have a portfolio with only equities if equities truly outpace other investment classes over the long run, and clarification on the tax code while making a decision on a Roth conversion versus taking more from an inherited IRA.

In this episode, we answer questions regarding high yield savings versus CDs, inherited stock portfolios, whether there is a time one should leave the market altogether, and how to split bond/stock investment allocations as you age.

Crowdsourced from a knowledgeable group, the prompt was posted "Give your younger self financial advice that would have benefitted you today". We break down the commentary and recommendations and discuss the merits of each of them while discussing our own. 2025 is a great opportunity to make changes for your financial health and freedom!

🎙️ Have a financial scenario you’d like us to discuss (without giving personalized advice)? Send your questions to [email protected]—we’ll keep your information completely anonymous!

📢 Don’t forget to like, subscribe, and share with friends who could benefit from smarter retirement planning tips!

This week, we're tackling listener questions about pro rata and aggregation rules, IRMAA, Roth conversions, RMDs, and how to plan for retirement when you’d rather not hire a financial planner. We’ll share insights on why paying upfront for expert guidance can often save you from costly, irreversible decisions—and how optimized strategies can make a big difference. The key? Partnering with someone who understands your unique financial situation.

🎙️ Have a financial scenario you’d like us to discuss (without giving personalized advice)? Send your questions to [email protected]—we’ll keep your information completely anonymous!

📢 Don’t forget to like, subscribe, and share with friends who could benefit from smarter retirement planning tips!

#RetirementPlanning #RothConversions #FinancialPodcast #AccessibleFinance

This week we answer listener questions about whether to deplete an annuity and how to allocate the funds amongst current debt and retirement goals, whether to invest in an annuity using money from a 401k, general discussions of tax efficiency, and more.

If you would like us to discuss your specific scenario without providing financial advice, feel free to write to us at [email protected]. We will anonymize your personal information. Thanks!