E.A.S.E. Into Retirement

A lot of big-box firms and advertisements push a benchmark figure to hit for retirement, often one or two million dollars. But this retirement planning approach doesn’t account for the 𝗰𝗼𝘂𝗻𝘁𝗹𝗲𝘀𝘀 𝗼𝘁𝗵𝗲𝗿 𝗳𝗮𝗰𝘁𝗼𝗿𝘀 to consider. Account statements and balances are 𝗻𝗼𝘁 𝗮 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗽𝗹𝗮𝗻. It’s merely a lumberyard. You’ve got to figure out how to take all that lumber you’ve been accruing during your working years and build your 𝘀𝗼𝘂𝗻𝗱 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗵𝗼𝗺𝗲.

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 particular 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 Mosely Insurance & Financial Services.

For more information go to: www.mosleywealthmanagement.com

Unless you’ve spent the last couple years under a rock or without turning on a TV or logging onto the internet, you’re aware that 𝗶𝗻𝗳𝗹𝗮𝘁𝗶𝗼𝗻 𝗿𝗮𝘁𝗲𝘀 𝗵𝗮𝘃𝗲 𝗯𝗲𝗲𝗻 𝘀𝗸𝘆𝗿𝗼𝗰𝗸𝗲𝘁𝗶𝗻𝗴. Things have started to regress back to the mean thus far in 2023, but upon closer inspection, one will find that the risks posed by 𝘀𝘁𝗮𝗰𝗸𝗲𝗱 𝗶𝗻𝗳𝗹𝗮𝘁𝗶𝗼𝗻 are ever present. The year-over-year inflation rate in 2022 was 8.5%. In 2023, it came down to 4.9%. Thus, since 2021, we’ve seen a 𝟭𝟯.𝟰% 𝗶𝗻𝗰𝗿𝗲𝗮𝘀𝗲 in our cost for goods. But how can you tell the degree to which inflation is impacting or hurting you? Two tests to look at would be to first ask yourself if your 𝘀𝗮𝘃𝗶𝗻𝗴𝘀 𝗮𝗿𝗲 𝗱𝗲𝗰𝗿𝗲𝗮𝘀𝗶𝗻𝗴. The next would be to see if your 𝗰𝗿𝗲𝗱𝗶𝘁 𝗰𝗮𝗿𝗱 𝗯𝗮𝗹𝗮𝗻𝗰𝗲𝘀 𝗮𝗿𝗲 𝗶𝗻𝗰𝗿𝗲𝗮𝘀𝗶𝗻𝗴. The way things are structured, because you can spend money you may not have or it may be backfilled from your reserves, 𝗶𝗻𝗳𝗹𝗮𝘁𝗶𝗼𝗻 𝗰𝗮𝗻 𝗯𝗲 𝗮 𝘀𝗶𝗹𝗲𝗻𝘁 𝗸𝗶𝗹𝗹𝗲𝗿 of retirement plans if you don’t pay attention!

For more information go to: www.mosleywealthmanagement.com

Since its introduction in the late 1990s, Roth IRAs have gained traction among savvy investors who were 𝗹𝗼𝗼𝗸𝗶𝗻𝗴 𝘁𝗼 𝗿𝗲𝗺𝗼𝘃𝗲 𝘀𝗼𝗺𝗲 𝘂𝗻𝗰𝗲𝗿𝘁𝗮𝗶𝗻𝘁𝘆 from their future income picture. Now they are starting to enter the field of 401(k)s, so it helps to know exactly what 𝗥𝗼𝘁𝗵 𝗼𝗽𝘁𝗶𝗼𝗻𝘀 can do. Roth IRAs and Roth 401(k)s allow you to pay taxes on the contribution to the accounts at current rates in exchange for 𝗧𝗔𝗫-𝗙𝗥𝗘𝗘 𝗴𝗿𝗼𝘄𝘁𝗵𝗮𝗻𝗱𝘄𝗶𝘁𝗵𝗱𝗿𝗮𝘄𝗮𝗹𝘀later down the line. But can you utilize one if your working days are behind you and you’re no longer earning income?
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 particular 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.


For more information go to: www.mosleywealthmanagement.com

When you first enter retirement, your health is likely good, your bucket list is long, and time is plentiful. The PERFECT equation for 𝘀𝗽𝗲𝗻𝗱𝗶𝗻𝗴 𝗺𝗼𝗻𝗲𝘆. But how can you spend freely in your 60s and have 𝘁𝗵𝗲 𝗰𝗼𝗻𝗳𝗶𝗱𝗲𝗻𝗰𝗲 𝗶𝗻 𝗸𝗻𝗼𝘄𝗶𝗻𝗴 𝘁𝗵𝗮𝘁 𝗮𝘀𝘀𝗲𝘁𝘀 𝘄𝗶𝗹𝗹 𝘀𝘁𝗶𝗹𝗹 𝗯𝗲 𝗮𝗿𝗼𝘂𝗻𝗱 later down the line when you might need to allocate more toward your or a spouse’s healthcare? By turning those account statements you have into an 𝗮𝗰𝘁𝗶𝗼𝗻𝗮𝗯𝗹𝗲, 𝙒𝙍𝙄𝙏𝙏𝙀𝙉 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗽𝗹𝗮𝗻! 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 particular 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.

For more information go to: www.mosleywealthmanagement.com

If you're not the same person you were 5 years ago, your investments probably shouldn't be either. Consider this, if you're aggressive on the inside, shouldn't your portfolio match who you are? And if you're conservative, your portfolio should probably align with that too. On this episode of EASE, Tom breaks down 4 reasons you should consider personalized risk into your portfolio. 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 particular 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 Mosely Insurance & Financial Services.

For more information go to: www.mosleywealthmanagement.com

ESG stands for environmental, social, governance and did you know that it is mandatory for these funds to be in your retirement plans? Such as your 401(k), 403(b), 457(b). On this episode of EASE, Tom covers all things ESG funds.
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 particular 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 Mosely Insurance & Financial Services.

For more information go to: www.mosleywealthmanagement.com

In the month and year of March 2023, we've witnessed the following banks go near or ENTIRELY underwater, Silicon Valley Bank, Silvergate Bank, and Signature Bank. And since there's a limited coverage per account under FDIC, how does this bank crisis impact the REST Of society? Tom Mosley discusses in depth, how this crisis may impact your present and future retirement. 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 particular 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 Mosely Insurance & Financial Services.

For more information go to: www.mosleywealthmanagement.com

Television, Facebook, Instagram, TikTok, your friendly neighborhood plumber, they're ALL the best news sources...we wouldn't want to disagree with you. All we're asking is, can you trust EVERYTHING they've told you about annuities? Stick around to hear Tom run through some questions you might want to ask before believe that annuities are your mortal enemy... 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 particular 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 Mosely Insurance & Financial Services.

For more information go to: www.mosleywealthmanagement.com

One of our clients walked in the other day stating that he was curious about 401ks and how they work, digging more into his question, we discovered he had 6 401k's all from different employers! On today's episode, Tom runs through 4 different options you have if you're in a similar situation to our client. You can stay, start a new 401k, cash out, or rollover to an IRA. Keep watching to learn more about 401k's and everything else you're too afraid to ask.
Don’t spend more time wondering about whether you’re ready to retire. Prepare now, so you can look forward to the years ahead with confidence. Seize the moment. Seize your retirement. Call us at 714-421-4288 to take the first step, or contact us through our website, https://mosleywealthmanagement.com/. ________________________________________ At Mosley Wealth Management, we believe everyone should be able to live the retirement they’ve always wanted. Your financial situation is different than that of your parents, your neighbors and even your closest friends, so a cookie-cutter approach isn’t going to cut it. E.A.S.E. Into Retirement is a weekly podcast dedicated to discussing Mosley Wealth Management’s perspective on what to expect before and during retirement. Hosted by Tom Mosley, each episode will provide you our teams educated views on ways to better prepare yourself for those retirement years and your goals. About Tom Mosley, CEO & President For more than a quarter century, Tom has helped retirees and those nearing retirement preserve their principals so they can experience the retirement they always envisioned. He focuses on conservative financial strategies that provide the potential for wealth accumulation and help protect retirement assets from market volatility. After spending 19 years in the ministry, Tom founded Mosley Insurance and Financial Services in 1995 and in 2016, Mosley Wealth Management. He has helped many employees from Fortune 500 companies such as Wells Fargo, Disney, Raytheon and Edison make informed decisions about their 401k(k)s, pension plans and Social Security benefits after they retired or changed jobs. Tom earned a Master’s in business administration with a major in finance from Pepperdine University as well as a master’s in theology from Dallas Theological Seminary. He has passed the Series 65 securities exam, is a registered Investment Adviser and licensed insurance professional. Tom and his wife, Suzan, live in Placentia in Orange County and are blessed with five highly successful children – Amanda, Andrea, Rachael, Travis and Mackenzie – and eight adorable grandchildren. Tom says one of his favorite hobbies is “sneaking sugar of all kinds” to his grandkids. 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



For more information go to: www.mosleywealthmanagement.com

Are you certain your income will last as long as you do? On this week's episode, Tom highlights the importance of ensuring longevity of your income in retirement. Grab a pen and paper, because this podcast is full of enlightening information. 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 particular 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 Mosely Insurance & Financial Services.  At Mosley Wealth Management, we believe everyone should be able to live the retirement they’ve always wanted. Your financial situation is different than that of your parents, your neighbors and even your closest friends, so a cookie-cutter approach isn’t going to cut it.  E.A.S.E. Into Retirement is a weekly podcast dedicated to discussing Mosley Wealth Management’s perspective on what to expect before and during retirement. Hosted by Tom Mosley, each episode will provide you our teams educated views on ways to better prepare yourself for those retirement years and your goals.  About Tom Mosley, CEO & President For more than a quarter century, Tom has helped retirees and those nearing retirement preserve their principals so they can experience the retirement they always envisioned. He focuses on conservative financial strategies that provide the potential for wealth accumulation and help protect retirement assets from market volatility. After spending 19 years in the ministry, Tom founded Mosley Insurance and Financial Services in 1995 and in 2016, Mosley Wealth Management. He has helped many employees from Fortune 500 companies such as Wells Fargo, Disney, Raytheon and Edison make informed decisions about their 401k(k)s, pension plans and Social Security benefits after they retired or changed jobs.  Tom earned a Master’s in business administration with a major in finance from Pepperdine University as well as a master’s in theology from Dallas Theological Seminary. He has passed the Series 65 securities exam, is a registered Investment Adviser and licensed insurance professional. Tom and his wife, Suzan, live in Placentia in Orange County and are blessed with five highly successful children – Amanda, Andrea, Rachael, Travis and Mackenzie – and eight adorable grandchildren. Tom says one of his favorite hobbies is “sneaking sugar of all kinds” to his grandkids.

For more information go to: www.mosleywealthmanagement.com