Aspire 2 Retire

Very few people enjoy talking about the beyond portion of retirement- that is, what our legacy (financial or otherwise) will look like once we're no longer here.  But as they say: an ounce of prevention is worth a pound of cure and, with proper planning, you can avoid having your estate be spent through quickly, be the cause of family dissent, or even end up benefitting Uncle Sam more than you'd like.  Ralph, Tim and Scott discuss this important and often overlooked topic on this episode.

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And as importantly, how do you go about creating multiple streams in retirement?  Ralph, Tim and Scott discuss different methods on this episode of Aspire 2 Retire.

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Okay, it's certainly not the most attractive way to describe it, but the thought of money disappearing from your retirement accounts without knowing it probably isn't attractive either.  Ralph, Tim and Scott discuss the preventative steps you can and should take.

Also: Scott lobbies for a new CostCo location.

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It's obviously important to prepare financially for retirement.  But have you considered you you're going to prepare mentally?  It's a big change, and it may seem daunting, but it doesn't have to be.  Ralph, Tim and Scott talk about it on this episode of Aspire 2 Retire.

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Sometimes things beyond our control alter our plans.  And not necessarily always negatively.  The guys discuss the importance of having a flexible plan to adapt to both the negative and (hopefully) positive.  Also: what can the Olympics teach us about retirement planning?

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Simply put?  No.

But Ralph, Tim and Scott know that that's easier said than done.  Hear why you shouldn't let that happen, and what they do to help their clients in that regard on this episode of Aspire 2 Retire.

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The saying goes: hindsight is 20/20.  And while probably true, it won't help undo the effects of a market downturn if you're overexposed.  The guys talk about the importance of understanding your risk tolerance and market exposure on this episode.

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Switching from receiving a regular paycheck from your employer to relying on your savings to provide that income can be a bit of a mental challenge.  But you don't want to overcorrect and become so fearful of spending that you don't actually enjoy your retirement.  The guys talk about how to find that balance between frugality and frivolity.

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Hopefully you've been able to reap the benefits of the market highs we've experienced as of late.  But now what?  Do you keep all your money in, or is is time to seek safer harbors?  They guys weigh in on what you should consider.

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And it isn't just by consumers.  Ralph, Tim and Scott discuss why both consumers and financial professionals may have it wrong when it comes to annuities (and in the case of the latter, why it may be intentional). 

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