EASE Into Retirement

By Tom Mosley

E.A.S.E. Into Retirement, is a knowledge packed weekly video hosted by financial expert Tom Mosley that delves into many of the topics related to retirement planning. Join us on a journey of expanding... more

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FAQs about EASE Into Retirement:

How many episodes does EASE Into Retirement have?

The podcast currently has 154 episodes available.

EASE Into Retirement episodes:

October 28, 2021Episode 43: Introduction to Annuities (Part 3)
A Fixed Annuity is in some ways similar to a CD in that it has a guaranteed interest rate for a specific length of time and are less risky than Fixed Indexed Annuities but generally have lower returns. It is NOT FDIC insured.

A Fixed Indexed Annuity offers a guarantee against losing assets in down markets, but potential grown in good market years tied to various market indices. They involve more risk than a Fixed Annuity, but over a period of time, usually provide more in return.
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19min
October 21, 2021Episode 42: Introduction to Annuities (Part 2)
With immediate annuities the income flow starts immediately after a single premium purchase is locked in, and likely has no tax penalty for pre 59 1/2 withdrawals.

Deferred annuities allow assets to accumulate until needed, maintain your withdrawal options for the future, and can be surrendered or withdrawn but likely have tax penalty of 10% for pre 59 1/2 withdrawals.
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16min
October 14, 2021Episode 41: Introduction to Annuities (Part 1)
Annuities are long-term financial contracts between a policy/contract owner and an insurance company.

Annuities are insured by the claims paying ability of the insurance company.

Lifetime income could be a big positive for an annuity, but there are likely surrender charges and potential tax penalties for early withdrawal of the assets.
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19min
October 07, 2021Episode 40: Tips on Social Security Claiming
The website where you can set up an account to see all your up-to-date numbers is socialsecurity.gov.

Claiming your social security at age 62 could be a good send, or a disaster.

Your full retirement age is based on the year you were born.

Waiting to age 70 might be best, but not if you starve yourself on the way there!
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16min
September 30, 2021Episode 39: The Difference in Passive and Active Investments
Passive investments practice more of a buy and hold strategy.

Active investments depend on professional money managers to make tactical decisions to grow and protect a portfolio.
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16min
September 23, 2021Episode 38: Stages and Risk
In the accumulation stage, growth should be your major objective and risk takes a back seat.

In the preservation stage, safety is likely your major objective with growth taking a back seat.

In the distribution stage, your prior preparation means everything, as in 100%.

A Riskalyze analysis can help identify your specific internal risk tolerance.
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19min
September 16, 2021Episode 37: The A,B,Cs and Ds of Medicare
Original Medicare is composed of parts A and B and covers hospitals, doctors, durable medical equipment, etc. It covers 80% of approved costs.

Medicare Supplement, Medicare Advantage and Prescription Drugs Part D plans can be purchased to address many of the additional 20% of the cost.

Work with a professional who offers all of the various types of plans in order to make sure you have the coverage best suited for your need.
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23min
September 09, 2021Episode 36: The Potholes of Retirement (Part 7)
Pothole #13 - To Move or Not to Move

Weigh the reasons to move or stay in California carefully. The $200,000 question might be- Should I stay, or should I go?

Pothole #14 - Friends become an Issue

Enjoy your time with friends while you can, and they are still here. But don't be afraid to say no to activities that might break your bank on your back.
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18min
September 02, 2021Episode 35: The Potholes of Retirement (Part 6)
Pothole #11 - You May Feel Guilty Spending Your Savings

1.Going through the retirement door moves you from the Accumulation Room to the Documentation Room.

2. You may feel uncomfortable in the new environment.

Pothole #12 - You May Not Need What You are Forced to Withdraw!

1. At age 72, you may have more than enough income, especially that you want to pay taxes on.

2. Consider paying the taxes earlier.
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20min
August 26, 2021Episode 34: The Potholes of Retirement (Part 5)
Creating a great retirement plan generally does NOT mean deciding which child you want to move in with!

Pothole #9 - Work may be a part of retirement. Often retirees are employed, and the three major reasons are:

1. Necessity

2. Choice

3. Boredom

Pothole #10 - You might have to move in with your kids. Three major reasons retirees move in with their children are:

1. Economic necessity

2. Declining heath

3. Loss of a spouse
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18min

FAQs about EASE Into Retirement:

How many episodes does EASE Into Retirement have?

The podcast currently has 154 episodes available.