From figuring out the right time to be debt-free and when to adjust your portfolio risk, to deciding when to plan for your Social Security benefits or healthcare coverage, this episode guides you through the ideal timeline for each. Tune in to find out how far away from retirement you should have answers to these pressing questions.

Here are some of the things you’ll learn in this episode:

• When should you aim to be debt free?
• When we want to take a close look at income and figure out where everything will be coming from?
• The discussion we have with clients about Social Security and a claiming strategy.
• Should you and your spouse retire at the same time or should you stagger your dates?
• Do you have too much risk in your portfolio for your age?

Connect with Eric Judy online at https://www.judyfg.com/ or by calling 217-303-1711. You can also book a complimentary review at https://calendly.com/ericjudy

In this episode, we'll uncover the secrets of guaranteed income versus the uncertain stuff and shed light on the consequences of retiring without a clear income plan. Don't worry if you're feeling lost - we've got your back with practical solutions and expert guidance. Tune in and take charge of your retirement cash flow!

Here are some of the things you’ll learn in this episode:

• The different types of income sources that we typically use for clients.
• How you should diversify your income streams like you do investments.
• What is guaranteed income versus non-guaranteed income.
• How to structure your income to cover your needs and what to use to take care of those wants.

Connect with Eric Judy online at https://www.judyfg.com/ or by calling 217-303-1711. You can also book a complimentary review at https://calendly.com/ericjudy

In this episode, we’ll explore many of the expenses in your life that might drastically change (one way or another) in retirement. We’ll break those expenses down further to see which ones are the top priorities and analyze some of the other factors that impact your cash flow in retirement.

Here are some of the things you’ll learn in this episode:

• The different housing expenses that could have a significant impact. 
• Once you stop working, you will likely eliminate some expenses that have become part of your daily routine. 
• The tax implications you might face and how to find strategies to mitigate that. 
• When you no longer have those monthly savings contributions, it could free up a good chunk of money. 

Connect with Eric Judy online at https://www.judyfg.com/ or by calling 217-303-1711. You can also book a complimentary review at https://calendly.com/ericjudy

Celebrate the spirit of July 4th with our latest episode as we tackle the concept of Financial Independence. While the American colonists fought for freedom from British rule, we’re here to discuss what you’re striving to be independent from in your retirement. We’ll unveil the common foes you’ll face on the journey. And good news, no muskets required for these battles.

Here are some of the things you’ll learn in this episode:

• Why we want to have freedom from relying on the government to cover our retirement needs. 
• What we mean by freedom from family and why that is a growing challenge for retirees.
• Gaining independence from employment and why that doesn’t mean you have to stop working altogether.

Connect with Eric Judy online at https://www.judyfg.com/ or by calling 217-303-1711. You can also book a complimentary review at https://calendly.com/ericjudy

We’re excited to welcome you to the first episode of our podcast, which we hope will be a great place for you to learn more about us and allow us to pull back the curtain a bit on what we do day-to-day for our clients. 

To kick things off, we want to introduce you to the host of the show and our business. This episode will give you some of the backstory on Eric and how he got into the financial planning business, and it will also provide a better understanding of our holistic approach for every person we work with.  

We’ll break the show up into three categories: the business, the person, and the podcast. Hopefully this will lay the foundation for what’s to come so please hit subscribe if you like what you hear!

Here are some of the things you’ll learn in this episode: 

• What does it mean to be a Retirement Income Certified Professional? (2:14)
• How the Golden Rule really drives the Judy Financial Group.  (3:51)
• How helping his mom years ago motivated Eric to get into financial planning business.  (6:39)
• Eric’s growing addiction to pickleball to go along with golf. (11:18)
• What we hope you learn from the podcast. (16:28)

Connect with Eric Judy online at https://www.judyfg.com/ or by calling 217-303-1711. You can also book a complimentary review at https://calendly.com/ericjudy