You’ve built a career, accumulated wealth, and maybe even helped raise a family. But
now comes the big question: What comes next—and how do you make it last?
Retirement today looks very different from what it did a generation ago. People are
living longer, facing higher healthcare costs, and dealing with more market volatility
than ever before. This episode is about making sure your wealth supports your vision—
not the other way around.  Reach out to Esa and the team at 888.919.9311.

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In the realm of personal finance, saving and investing are two fundamental strategies
that serve different purposes. While saving offers security and liquidity, investing
provides the potential for growth. Determining when to save and when to invest can
significantly impact your financial well-being.

Reach out to Esa and the team at 888.919.9311

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Retirement planning isn't just about numbers; it's about envisioning a future where you
can live comfortably and pursue your passions. A recent article from Yahoo Finance
outlines six signs that you're ready to enjoy a middle-class retirement. Let's delve into
these indicators and see how they align with your retirement goals.

Reach out to Esa and the team at 888.919.9311.

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We all know that the unexpected has a way of showing up right when you least need it — and retirement is no exception. Market crashes, rising inflation, job losses late in your career, even unexpected medical bills can quickly turn a solid-looking retirement plan into a scramble for stability. A recent Investopedia article outlines how to prepare for these real-world financial storms before they happen. Today, let’s unpack how to crisis-proof your retirement strategy — because the question isn’t if challenges will come, it’s when.

Reach out to Esa and the team at 888.919.9311.

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In this conversation, Gary Nolan and financial happiness ambassador Essa Yokela discuss the true meaning of financial independence, emphasizing that it is not merely about wealth but about the freedom to live life on one's own terms. They explore the importance of building passive income streams, the realities of retirement travel, and the future of Social Security. The discussion also highlights the necessity of risk mitigation in retirement planning, including the role of insurance and annuities in securing financial well-being.

Reach out to Esa and the team at 888.919.9311

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In this conversation, Esa Jokela and Jackie Selby discuss the financial challenges faced by baby boomers, particularly focusing on retirement mistakes, the importance of social security, and effective financial planning strategies. They explore the significance of understanding 401(k) plans, the impact of healthcare costs, and the benefits of hybrid financial products. The discussion emphasizes the need for proactive planning to ensure a secure and fulfilling retirement.

Call Esa Jokela at 888-919-9311.

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 Esa Jokela and Jackie Selby discuss the importance of financial planning for retirement, emphasizing the need for a comprehensive review of one's financial situation. They introduce the bucket strategy, which organizes assets based on time horizons to ensure liquidity, safety, and growth. The discussion also highlights the significance of healthcare planning in retirement, addressing common misconceptions about Medicare and the need for long-term care. The conversation aims to empower listeners to take control of their financial futures and create a fulfilling retirement.  Call your Happiness Ambassador, Esa Jokela for a free consultation.  888-919-9311.  

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In this episode, Jackie Selby and Esa Jokela discuss the common financial mistakes people make and how to recover from them. They emphasize the importance of not compounding mistakes, understanding financial options, and the necessity of having a solid financial plan. The conversation also touches on the ostrich strategy, where individuals avoid financial planning, and the value of seeking a second opinion on financial matters. The hosts provide insights on creating a customized income plan to ensure financial stability during retirement. In this conversation,they discuss the importance of financial planning for retirement, focusing on strategies to alleviate financial stress, the role of social security, the transition from pensions to annuities, and the bucketing strategy for managing retirement funds. They emphasize the need for personalized financial advice to navigate these complex topics effectively.

Reach out to Esa and the team at 888.919.9311

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In this conversation, Jackie Selby and Esa Jokela  discuss the complexities of retirement planning, focusing on the concept of fixed income, the importance of social security, managing healthcare costs, and preparing for long-term care expenses. They emphasize the need for a comprehensive financial strategy that includes multiple income sources and innovative solutions to ensure financial stability throughout retirement. In this conversation, Gary Nolan and Esa Jokela delve into the intricacies of long-term care options, emphasizing the importance of planning for financial security in retirement. They discuss various financial products, including long-term care insurance, annuities, and life insurance, highlighting their roles in ensuring a stress-free retirement. The discussion also touches on the significance of understanding market volatility and the benefits of having a comprehensive income plan to enhance overall happiness in retirement.

Reach out to Esa and the team at 888.919.9311

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This conversation explores the various stages of retirement, emphasizing the importance of early planning and financial security. The hosts discuss the emotional and practical transitions that occur as individuals move from pre-retirement to retirement, highlighting the need for secure income sources and the search for purpose in this new phase of life. This conversation delves into the various phases of retirement, emphasizing the importance of planning and managing finances effectively. It discusses the beauty of nature and its impact on life, the significance of investment management, tax strategies, and healthcare considerations in retirement. The speaker highlights the need for a comprehensive plan to ensure financial well-being and stability during retirement, addressing common concerns such as market volatility and long-term care costs.

Reach out to Esa and the team at 888.919.9311

See omnystudio.com/listener for privacy information.