Over 70% of adults 65+ will need long-term care at some point—yet most people aren’t prepared for the financial burden. Will you be? In this episode, we dive deep into:

✅ What is Long-Term Care? – From in-home care to assisted living and nursing homes

✅ How Much Does Long-Term Care Cost? – The surprising price tag of aging

✅ Does Medicare Cover Long-Term Care? – What’s covered, what’s not, and common misconceptions

✅ How Do People Pay for Long-Term Care? – Long-term care insurance, family support, or spending down assets

✅ Smart Strategies to Fund Your Care – Practical ways to protect your savings and secure quality care

This 17 minute podcast will provide you value and give you some things to think about. Learn how to prepare now so you’re not caught off guard.

🔔 Don’t forget to like, subscribe, and share to help others plan for the future!

#LongTermCare #Medicare #RetirementPlanning #ElderCare #FinancialPlanning #AgingWisely #SeniorCare

Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇

TIMESTAMPS

00:00 Long-Term Care: The Costly Reality No One Talks About – How to Plan and Pay for it

01:10 What Long-Term Care is & the associated costs

02:50 How long you may need it

03:35 What Medicare covers

04:10 How do people pay for Long-Term Care?

08:20 Smart strategies to pay for Long-Term Care

14:35 How to plan

16:15 Share this information

16:53 How to get help

Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇

https://mosleywealthmanagement.com/contact/

===============================================

If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1

===============================================

⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐

- Facebook: https://www.facebook.com/mosleyeaseintoretirement

- Instagram: https://www.instagram.com/easeintoretirement/

- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management

Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs

#RetirementSavings

#RetirementPlanning2025

#RetirementStrategy

#FinancialEducation

#FinancialLiteracy

#HowToRetireEarly

#RetirementPlanningAt50

#RetirementPlanningAt60

#HowMuchDoINeedToRetire

#RetirementPlanningTips

#FinancialAdvisor

#SocialSecurity

DISCLOSURE:

Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766

Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.

Feeling behind on saving for retirement? Take these 5 steps now to revamp your retirement and get your savings back on track!

The reality is retirement planning can feel overwhelming, and too often, people put it off until it’s almost too late. But it’s never too late to make a change. Remember, the best time to start was yesterday, and the second-best time is NOW.

Check out these 5 proven actionable tips to help you take control, maximize your savings, and create a fulfilling, worry-free life after work. Stick around, and let’s turn things around—together.

👉 Like, subscribe, and share to help others prepare too!

🌐 Visit www.mosleywealthmanagement.com for more resources.

Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇

TIMESTAMPS

00:00 Starting Late? 5 Steps to Fix Your Retirement Now!

00:40 #1

03:02 #2

05:00 #3

07:45 #4

10:45 Recap of the steps & action items you can take now.

13:23 How to get more assistance with revamping your retirement

Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇

https://mosleywealthmanagement.com/contact/

===============================================

If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1

===============================================

⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐

- Facebook: https://www.facebook.com/mosleyeaseintoretirement

- Instagram: https://www.instagram.com/easeintoretirement/

- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management

Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs

#RetirementEssentials

#HowToRetire

#RetirementIncome

#RetirementPlanning2025

#RetirementStrategy

#FinancialEducation

#FinancialLiteracy

#HowToRetireEarly

#RetirementPlanningAt50

#RetirementPlanningAt60

#HowMuchDoINeedToRetire

#RetirementPlanningTips

#FinancialAdvisor

#SocialSecurity

DISCLOSURE:

Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766

Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.

Don’t Leave Your Family in the Dark—Prepare These Vital Documents Today!

Imagine your family needing critical information in an emergency—and not knowing where to find it. Whether you’re incapacitated or gone, your loved ones will face major challenges unless you’ve prepared the right documents.

In this episode, Tom Mosley—retirement expert and former minister—draws on over 50 years of experience to guide you through an essential list of items your family needs access to when the unexpected happens.

🔑 You’ll learn:

• The most important ID and financial documents to gather

• What medical and legal paperwork is essential

• Real stories about why having these documents matters

• Where and how to safely store everything

👉 Like, subscribe, and share to help others prepare too!

🌐 Visit www.mosleywealthmanagement.com for more resources.

Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇

TIMESTAMPS

00:00 Open

00:34 Why preparing these documents are important

01:30 1st document

02:00 2nd document

03:09 3rd document

03:53 4th set of documents

04:52 5th document

05:52 6th set of documents to have ready

08:49 How to secure help

Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇

https://mosleywealthmanagement.com/contact/

===============================================

If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1

===============================================

⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐

- Facebook: https://www.facebook.com/mosleyeaseintoretirement

- Instagram: https://www.instagram.com/easeintoretirement/

- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management

Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs

#RetirementEssentials

#HowToRetire

#RetirementIncome

#RetirementPlanning2025

#RetirementStrategy

#FinancialEducation

#FinancialLiteracy

#HowToRetireEarly

#RetirementPlanningAt50

#RetirementPlanningAt60

#HowMuchDoINeedToRetire

#RetirementPlanningTips

#FinancialAdvisor

#SocialSecurity

DISCLOSURE:

Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766

Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.

If you’re divorced or widowed, there’s a chance you may be eligible for a bigger Social Security benefit – especially if you’re spouse had the higher income. The Social Security Department won’t give advice, so watch this instead & see if it gives you some ideas that you can act on.

🔍 You’ll learn:

• What qualifies you for potential increase social security benefits from an ex-spouse.

• A strategy to consider if you’re widowed & want to potentially increase your own Social Security benefit.

• How to secure advice on your own situation that the Social Security Department won’t share (they legally can’t provide advice).

👉 The Social Security Administration won't offer you personalized advice, but you might find a nugget here that will help you ask the right questions. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇

TIMESTAMPS

00:00 Strategies to increase Social Security Benefits for Divorced & Widowed retirees.

00:40 A Strategy for Divorced retirees.

03:50 A Strategy for Widowed/Survivor retirees.

06:40 The SSA won’t give you advice, here’s how to get it.

Have specific questions for Tom and the team at Mosley Wealth Management?

Contact us here 👇

https://mosleywealthmanagement.com/contact/

===============================================

If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1

===============================================

⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐

- Facebook: https://www.facebook.com/mosleyeaseintoretirement

- Instagram: https://www.instagram.com/easeintoretirement/

- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management

Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs

#SpousalBenefits

#SocialSecurityforWidowWidowers

#SocialSecurityFromEx

#RetirementEssentials

#HowToRetire

#RetirementIncome

#RetirementPlanning2025

#RetirementStrategy

#FinancialEducation

#FinancialLiteracy

#HowToRetireEarly

#RetirementPlanningAt50

#RetirementPlanningAt60

#HowMuchDoINeedToRetire

#RetirementPlanningTips

#FinancialAdvisor

#SocialSecurity

DISCLOSURE:

Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766

Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.

Are you single and nearing retirement? Then your Social Security strategy could make or break your retirement income. In this episode, we dive into Social Security strategies for single individuals—those who don’t have a spouse to rely on for spousal or survivor benefits. Retirement expert Tom Mosley explains why when you claim Social Security matters even more when you’re flying solo, and how to avoid common mistakes that could cost you thousands over your lifetime.

🔍 In this episode, you’ll learn:

• Why delaying your benefit may be your best financial move

• How to protect against longevity risk as a single retiree

• What to consider if you’re planning to work while collecting

• Tax implications and coordination with other retirement income

👉 The Social Security Administration won't offer you personalized advice, but this episode will help you ask the right questions and begin creating a strategy that fits your life.

Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇

TIMESTAMPS

00:00 Social Security Strategies for Singles

00:45 Why Social Security Administration Can’t Provide Strategies

01:44 Why timing Social Security is so important

02:40 Why delaying your social security may be a better choice

04:14 Consider your longevity & health

06:25 Consider Taxes & plan for them

07:39 Be strategic with your Social Security

09:55 How to get help with Social Security strategy

Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇

https://mosleywealthmanagement.com/contact/

===============================================

If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1

===============================================

⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐

- Facebook: https://www.facebook.com/mosleyeaseintoretirement

- Instagram: https://www.instagram.com/easeintoretirement/

- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management

Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs

#SocialSecurityforSingles

#SinglesandSocialSecurity

#RetirementEssentials

#HowToRetire

#RetirementIncome

#RetirementPlanning2025

#RetirementStrategy

#FinancialEducation

#FinancialLiteracy

#HowToRetireEarly

#RetirementPlanningAt50

#RetirementPlanningAt60

#HowMuchDoINeedToRetire

#RetirementPlanningTips

#FinancialAdvisor

#SocialSecurity

DISCLOSURE:

Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766

Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.

Thinking about tapping into your retirement savings before age 59½? Be careful — early withdrawals from your IRA, 401(k), 403(b), or other retirement accounts usually come with a 10% penalty... but there are exceptions you need to know.

In this video, retirement expert Tom Mosley breaks down real-life scenarios where you can access your retirement money early — without paying that extra tax hit. Whether you're facing a medical emergency, a job loss, or other financial crisis, knowing your options could save you thousands.

👉 This video is essential for anyone under 59½ who may need to withdraw retirement funds but wants to avoid costly mistakes.

🎯 What You’ll Learn:

✅ The top reasons people take early withdrawals — and smarter alternatives

✅ Legit IRS exceptions to the 10% early withdrawal penalty

📘 Don’t wait for a crisis. Get informed now so you can make the right move later.

Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇

TIMESTAMPS

00:00 Why people are having to take money out early

02:25 Plans vs. IRAs & how penalty exceptions differ

03:17 Penalty Exceptions for Plans & IRAs

07:38 Penalty Exceptions for IRAs only

08:40 Penalty Exceptions for Plans only

10:56 One new Penalty Exception coming at the end of 2025

12:10 How to get help with any of the mentioned so you don’t make a mistake

Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇

https://mosleywealthmanagement.com/contact/

===============================================

If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1

===============================================

⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐

- Facebook: https://www.facebook.com/mosleyeaseintoretirement

- Instagram: https://www.instagram.com/easeintoretirement/

- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management

Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs

#HowtoAvoidTaxPenalties

#RetirementPlanning

#RetirementEssentials

#HowToRetire

#RetirementIncome

#RetirementPlanning2025

#RetirementStrategy

#FinancialEducation

#FinancialLiteracy

#HowToRetireEarly

#RetirementPlanningAt50

#RetirementPlanningAt60

#HowMuchDoINeedToRetire

#RetirementPlanningTips

#FinancialAdvisor

#SocialSecurity

DISCLOSURE:

Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766

Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.

Want to Retire? Are you Ready? Check out Tom’s list of the 10 most crucial things you must know so you can retire! With nearly 30 years in the retirement industry, Tom has a deep understanding of what is vital to creating a successful and happy retirement. Having guided retirees through changing Social Security rules, fluctuating tax rates, economic ups and downs, and unexpected events like the pandemic, Tom has curated a list of THE MOST IMPORTANT STEPS you need to take to create a retirement that reflects your goals and dreams while also weathering the ups and downs of life.

Whether you're close to retiring or just starting to plan, this list of 10 Steps (things you must know & act on) will help you move forward towards your retirement dreams.

Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇

TIMESTAMPS

00:00 10 Things Every Person Should Know About Retirement

00:27 Know What Your Retirement Goals Are

02:00 Know What Social Security is Going to Do for You

02:52 Get All Your Stuff Together

04:15 Create a Budget

05:48 Build a Comprehensive Retirement Plan

07:07 Health Care

08:07 Consider your Risk

09:58 Understand Required Minimum Distributions

11:30 Stay on Top of Taxes

13:03 Estate Planning

15:00 Other Items That are Crucial to Act On

16:46 How to Secure Help

Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇

https://mosleywealthmanagement.com/contact/

===============================================

If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1

===============================================

⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐

- Facebook: https://www.facebook.com/mosleyeaseintoretirement

- Instagram: https://www.instagram.com/easeintoretirement/

- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management

Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs

#RetirementPlanning

#RetirementEssentials

#HowToRetire

#RetirementIncome

#RetirementPlanning2025

#RetirementStrategy

#FinancialEducation

#FinancialLiteracy

#HowToRetireEarly

#RetirementPlanningAt50

#RetirementPlanningAt60

#HowMuchDoINeedToRetire

#RetirementPlanningTips

#FinancialAdvisor

#SocialSecurity

DISCLOSURE:

Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766

Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.

After 30 years of helping people retire, I’ve seen the key mistakes and missed opportunities people make that prevent them from living the kind of retirement they dream of having. Today, I’m going to share some of these top retirement mistakes that really break my heart. I hope that sharing these will help you learn, act, and not miss the amazing opportunity you have to live the kind of retirement you dream of and want for yourself.

Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇

TIMESTAMPS

00:00 30 Years Helping People Retire – Here’s What Really Breaks My Heart

00:45 Not having a retirement plan & vision

03:49 Not optimizing your Social Security (that is right for YOU.)

07:00 Not moving from wealth accumulation to wealth preservation

12:01 Not preparing for & planning for taxes in retirement

17:16 2 key takeaways & action items

18:13 How to secure help

Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇

https://mosleywealthmanagement.com/contact/

===============================================

If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1

===============================================

⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐

- Facebook: https://www.facebook.com/mosleyeaseintoretirement

- Instagram: https://www.instagram.com/easeintoretirement/

- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management

Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs

#RetirementMistakes

#RetirementPlanning

#RetirementEssentials

#HowToRetire

#RetirementIncome

#RetirementPlanning2025

#RetirementStrategy

#FinancialEducation

#FinancialLiteracy

#HowToRetireEarly

#RetirementPlanningAt50

#RetirementPlanningAt60

#HowMuchDoINeedToRetire

#RetirementPlanningTips

#FinancialAdvisor

#SocialSecurity

DISCLOSURE:

Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766

Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.

𝗜𝘀 𝘁𝗵𝗲 𝗠𝗮𝗿𝗸𝗲𝘁 𝗖𝗵𝗮𝗼𝘀 𝗳𝗿𝗼𝗺 𝘁𝗵𝗲 𝗧𝗿𝘂𝗺𝗽 𝗧𝗮𝗿𝗶𝗳𝗳𝘀 𝗽𝘂𝘀𝗵𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝘀𝗮𝘃𝗶𝗻𝗴𝘀 & 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗽𝗹𝗮𝗻𝘀 𝗳𝘂𝗿𝘁𝗵𝗲𝗿 𝗼𝘂𝘁 𝗼𝗳 𝗿𝗲𝗮𝗰𝗵? Are you losing sleep and wondering “what now?” In today’s video, retirement expert Tom Mosley breaks down 3 smart strategies to help you respond to the current market volatility and protect your retirement plan.

Don’t let fear or market chaos derail your retirement dreams. Watch now and take control of your future.

Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇

TIMESTAMPS

00:00 3 Ways You Can Respond to the Market Chaos from the Trump Tariffs

01:20 Do nothing

03:13 Reasons doing nothing may not work for you.

04:05 Rework your retirement plan now to protect for the future

07:59 The best time to rework a retirement plan

09:24 Take this risk assessment

12:15 Investigate recovery products

16:55 What to do next

Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇

https://mosleywealthmanagement.com/contact/

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If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1

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⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐

- Facebook: https://www.facebook.com/mosleyeaseintoretirement

- Instagram: https://www.instagram.com/easeintoretirement/

- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management

Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs

#TrumpTariffs

#MarketCrash

##SmartMoneyDuringAMarketCrash

#HowToRetire

#RetirementPlanning2025

#RetirementStrategy

#FinancialEducation

#FinancialLiteracy

#HowToRetireEarly

#RetirementPlanningAt50

#RetirementPlanningAt60

#HowMuchDoINeedToRetire

#RetirementPlanningTips

#FinancialAdvisor

#SocialSecurity

DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766

Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.

In this follow-up to last week’s episode on Risks in Retirement, we dive even deeper into the challenges that can derail your retirement plans if you're not prepared.

This week, we focus on housing and real estate risks, including:

🏡 The rising costs of homeowners insurance and home repairs

🔁 The pros and cons of owning vs. renting in retirement

🚚 The risks that come with relocating out of state

💸 How mortgages can complicate your retirement cash flow

We wrap up with a thoughtful discussion on two final topics, family and legacy risks—from supporting family members to making sure your estate plans reflect your true intentions, and the associated behavioral & physiological risks that can be encountered as you age in retirement. Whether you're already retired or preparing for it, this episode is packed with valuable insights to help you protect what you've built and plan for what’s ahead.

👉 Start building a plan that works for you—watch now!

🔔 Subscribe for more retirement planning tips!

👍 Like & Share if this video helped you!

#RetirementPlanning #RetirementRisks #FinancialSecurity #RetirementBlueprint #SocialSecurityRisks #BudgetingForRetirement #PensionPlanning #InflationRisk

Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇

TIMESTAMPS

00:00 Even More Risks in Retirement

02:30 Housing & real estate risks

14:35 To move or not to move?

23:08 Beware of Reverse Mortgages

28:58 Family & legacy risks

39:35 The behavioral & physiological risks in retirement

Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👉 https://mosleywealthmanagement.com/contact/

===============================================

If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1

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⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐

- Facebook: https://www.facebook.com/mosleyeaseintoretirement

- Instagram: https://www.instagram.com/easeintoretirement/

- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management

Learn the key components you need to include in your retirement plan. Check this video out: https://youtu.be/QkJzvbZ_gDs

#RetirementPlanning #RetirementRisks #FinancialSecurity #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security

#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement

#HowtoPrepareforRetirement #RetirementTips #RetirementStrategy

DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.