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Accessible Finance For Retirement
Accessible Finance For Retirement episodes
- Accessible Finance Episode 41: Retirement Part 3 - Medicare & Healthcare Planning
In this episode we give a general overview of Medicare and how to plan for health care in retirement.
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!
Is Medicare completely free, and how does it work?
You will have to pay for Medicare Part B based on your income as well as Part B and D supplements offered by private insurers. Listen or watch the podcast for 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!
If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at equilibriumfp.com.
24 min - Accessible Finance Episode 40: Retirement Part 2 - Withdrawal Strategies
In this episode we discuss withdrawal strategies during retirement and the factors that should be considered.
How is my income going to be provided during retirement, and is there anything I can do to optimize my tax situation? Also, is it possible for Eric to work Roth conversions into every episode?
We explore the various withdrawal strategies and the impact that tax planning has in pre-retirement as well as early retirement years, before Social Security elections and RMDs (Required Minimum Distributions). Also, yes, we absolutely discuss Roth conversion ladders to fill lower marginal brackets in early retirement years.
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!
If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at equilibriumfp.com.
34 min - Accessible Finance Episode 39: Retirement Planning Part 1 - When Can I Retire?
Our next few episodes will focus on retirement planning. In this episode we attempt to answer one of the most fundamental questions clients ask financial advisors, “When can I retire?"
Am I on track for retirement?
While this question is highly individualistic and heavily dependent on your spending, we share the way we think about answering this question for clients.
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!
23 min - Accessible Finance Episode 38: Sufficient Retirement Funding & Pro-Rata and Aggregation Rules Explained
Does maxing out 401k deferrals (23k in 2024) guarantee sufficient retirement funding? The short answer is usually...no. How can you maximize your contributions to ensure you are contributing in the best way possible? What if you contributed and want to change the classification to a Roth contribution? What are pro-rata in aggregation rules and how might they affect your taxes?
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!
If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at equilibriumfp.com.
If you are interested in a free, personalized assessment of your financial situation, please head here:
https://equilibriumfp.com/free-assessment
If you would like to reach out via phone for a complimentary 15-minute discussion, please call 504-229-2494.
23 min - Accessible Finance Episode 37: What Expenses Should I Track for the Current Tax Year??
What expenses should you be tracking throughout the year for state and federal tax purposes?
Child and dependent care credit
Before and after care expenses
Pre-school education **below kindergarten**
Transportation costs to and from place of care
Disabled care
Home care like a nanny or in home care aid - family members are eligible to be paid for care as long as you are not also claiming them as a dependent because you provide over one half of their care
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!
If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at equilibriumfp.com.
If you are interested in a free, personalized assessment of your financial situation, please head here:
https://equilibriumfp.com/free-assessment
If you would like to reach out via phone for a complimentary 15-minute discussion, please call 504-229-2494.
22 min - Accessible Finance Episode 36: The FIRE (Financial Independence Retire Early) Movement
This week we discuss the FIRE movement and what special considerations apply to individuals fortunate enough to find themselves in that position.
Why would I care about a Roth conversion ladder, 72t election, or the location of my tax deferred funds (401k vs IRA)?
In short, FIRE adherents will need earlier access to dollars and should be aware of these planning tools available to them.
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!
If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at equilibriumfp.com.
If you are interested in a free, personalized assessment of your financial situation, please head here:
https://equilibriumfp.com/free-assessment
If you would like to reach out via phone for a complimentary 15-minute discussion, please call 504-229-2494.
26 min - Accessible Finance Episode 35: What should you know about retirement?
This week we provide some retirement metrics in the US and clarify common assumptions around retirement.
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!
What number do I need for retirement? I have heard 1 million is sufficient. Is it? How should I think about it?
Everyone’s favorite “it depends” applies here, but a simple equation to get you in the ballpark, assuming you intend to retire around age 65 is to take your annual spending after SS and divide it by .04. For example, if I need to fund $60k of spending, I need a lump sum of $1,500,000 (60,000/.04) in after tax dollars in retirement.
If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at equilibriumfp.com.
If you are interested in a free, personalized assessment of your financial situation, please head here:
https://equilibriumfp.com/free-assessment
If you would like to reach out via phone for a complimentary 15-minute discussion, please call 504-229-2494.
22 min - Accessible Finance Episode 34: I filed my taxes and am ready to get my finances in order...where should I grow my emergency fund?
If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at equilibriumfp.com.
If you are interested in a free, personalized assessment of your financial situation, please head here:
https://equilibriumfp.com/free-assessment
If you would like to reach out via phone for a complimentary 15-minute discussion, please call 504-229-2494.
23 min - Accessible Finance Episode 33: I Filed My Taxes...What Happened To My Refund??
If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at equilibriumfp.com.
If you are interested in a free, personalized assessment of your financial situation, please head here:
https://equilibriumfp.com/free-assessment
If you would like to reach out via phone for a complimentary 15-minute discussion, please call 504-229-2494.
23 min - Accessible Finance Episode 32: You guys talk about the importance of an emergency fund...Is it really important?
If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at equilibriumfp.com.
If you are interested in a free, personalized assessment of your financial situation, please head here:
https://equilibriumfp.com/free-assessment
If you would like to reach out via phone for a complimentary 15-minute discussion, please call 504-229-2494.
23 min
About Accessible Finance For Retirement
From the publisher's feed
Join us each week as we, Eric Johns CFP®, EA, MBA, and Rachael Johns, J.D., take on the world of finance with a fresh, approachable perspective. As spouses and business partners, we’re here to answer your questions, tackle real-life scenarios, and break down complex financial topics in a way that leaves you saying, "I get it now."
Whether you're just starting your financial journey or looking to deepen your understanding, our warm and engaging conversations are designed to make finance accessible to everyone.
Start your path to financial clarity with us and visit us at Equilibriumfp.com!