Cloud's Retirement Chat

Joe Biden is making a lot of tax changes in 2022. One of the things that we cannot afford to give a blind eye to is the tax brackets. Things are looking good. Tommy will take us through the changes.

Tommy is president and started third act retirement since 2000. He’s a Certified Financial Planner, chartered financial consultant, a graduate of the great Georgia Tech Institute of Technology. His firm’s fee is only fiduciary.

Have you noticed that the charitable deduction was removed? We are now operating on the standard deduction. Tommy will be shedding more light on this to help us understand how the church has been affected.

Also, I will share an interesting study on the $94 trillion world economy and how the East uses abnormal conditions to check whether one qualifies for a loan.

Listen in to this episode and learn.

How are you managing your retirement income? Working on your taxes and diversifying your retirement income sources is crucial. In this episode, Tommy and I continue with our discussion on the 3 keys to retirement income distribution.

Tommy is the president and founder of Third Act Retirement Planning, which he started in 2000. He is also a leading certified financial planner (CPF), chartered financial consultant, and Georgia Tech graduate. His firm's fee only fiduciary. Tommy works with technology executives, CRNAs, and Christians who are or near retirement.

In his work, Tommy has come across various people struggling with retirement planning. Some do not have a retirement plan, while others lack an idea of how to distribute their retirement income.

Are you wondering how to distribute your retirement income? Your work on this aspect will determine the state of your life after retirement. In today's episode, Tommy Cloud and I will discuss the 3 keys to retirement income distribution during global unrest.

Tommy is president and founder of third act retirement, which he established in 2000. He is a Certified Financial Planner, chartered financial consultant, and a graduate of the great Georgia Tech Institute of Technology. His firm's fee is only fiduciary.

As a financial planner and consultant, Tommy has come across different clients seeking advice on managing their retirement income. Some have a well-thought-out financial plan, but it lacks a budget for retirement expenses.

In this episode, Tommy will share detailed information on the first key to retirement income distribution: setting expenses budget. We hope you will learn essential tips that will enhance your retirement income planning.

Listen in to this episode.

Are you retired or about to retire, and you are worried about your spending in retirement? This episode is for you. Tommy Cloud and I will be talking about everything about the top 6 spending categories in retirement.

Tommy is president and started third act retirement since 2000. He's a Certified Financial Planner, chartered financial consultant, a graduate of the great Georgia Tech Institute of Technology. His firm is fee only and fiduciary.

In his financial planning career, Tommy has met people with different perspectives. Some people tend to listen and follow their gut feelings, others follow the multitude and make bad decisions, and some listen to advice from people with experience like him.

In this episode, Tommy will share real-life situations he has had with some of his clients, and hopefully, we can all learn from the experiences.

Listen in.

Retirement is coming, and the fact is, you’ll need a source of income to ensure that you’ll be living the life you desire. In this episode, Tommy and I will be having an in-depth conversation on how to pay yourself in retirement. We’ll be looking at the different income channels, including annuities, precious metals, stocks, and real estate.

How can you pay yourself in retirement? Tommy will give us some great nuggets of wisdom that will help ensure that we do not feed on cat food in our retirement. Grab a notebook and a pen. You might need to take some notes.

We are living in times of fear. We do not know what’s going to happen to the stock markets and many people in the finance world feel that we’re going to have a crash. The fact is the stock market is likely to crash. What we do not know is whether it will be a deflationary and inflationary crash.

If you want to be safe, you need to follow the biblical Solomon’s advice of investing in seven different ventures, for you do not know when disaster will come upon the land. Make it your mission to always spread out your wealth. It’s a good way of ensuring that in case one investment channel crashes, you’ll still have something left.

Do you think a million-dollar would be enough money to offer you a smooth retirement? In this episode, we have the amazing Tommy joining us on the show. He is the president of the Third Act Retirement. Tommy Cloud will help us understand if a million dollars is enough for retirement and how he helps couples prepare for their retirement.

The Best Types of Investment for a Retiree with Thomas Cloud

As a retiree, all you want is a financial planner who will guide you on the best places to put your money for you to enjoy good returns and not have to deal with high risks. In this episode, Tommy will be teaching us the best types of investments for a retiree. Also, he will be telling us how one can find a trustworthy financial planner.

Tommy is a passionate certified financial planner and the president of Third Act Retirement. Tommy’s attention to detail, extreme care, and stewardship are off the charts. Doing things like writing void on the back and in front of a check is just an example of how careful he is with his client’s money.

If you are looking for a financial planner to guide you on where to invest, Tommy is the person to get in touch with. He offers a free discovery call when he shares a lot of information.

https://calendly.com/thomascloud/reti...

Will Hyper Inflation Happen and Will it Affect My Retirement?

Hyperinflation is a topic that scares many people due to the many uncertainties that come with it. There has been a trend in the finance world where people give half-baked information on hyperinflation based on their personal gains. They either have an email list to build, a product to sell, or win more clients.

In this episode, I have the privilege of hosting Thomas Cloud Jr. He is a passionate certified financial planner and the president of Third Act Retirement. He recently posted an article on hyperinflation and retirement, and I will be seeking to find out what inspired him to write the article. Also, we’ll look at the most reliable hedges against inflation.

Listen to this episode and learn whether hyperinflation will happen and whether it will affect your retirement.

Standout Quotes from the Episode:

“If we have all of our eggs in one basket, then we are vulnerable to one particular type of economic disaster.”

“Fear is such a powerful emotion. Fear drives you and me. Every person is driven by fear to some degree.”

Connect with Thomas Cloud:

LinkedIn: https://www.linkedin.com/in/thomas-cloud-jr-cfp-r-chfc-r-aams-r-81b2122/

Website: https://www.thirdactretirement.com/

Seven ways to reduce your stress as you begin retirement. The first way we're going to talk about is to have a retirement plan.