E.A.S.E. Into Retirement

😱 Today we uncover one of retirement's biggest surprises: Sky-high TAXES on your hard-earned savings! Think of it as the knockout "punch" that can leave you and your savings reeling.   💡 The Good News? There are some key strategies you can implement that will help you minimize your tax-burden and maximize your savings. 🧐Let’s Decode Your Tax Landscape: The first crucial step? Understand which bucket your income and savings fall into. Today, Tom will delve into the Taxable Income, Tax-Deferred, and Tax-Free buckets. This insight is the key to unlocking powerful strategies that could save you thousands.   💡Maximize Your Financial Security: Learn some steps you can take to strategically position your retirement savings, ensuring you're not blindsided by the tax hit that could derail your retirement dreams.  Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇  TIMESTAMPS 00:00 All retirement money will go through the Tax system at one point or another. 01:00 To avoid the “Tax punch” or surprise of taxes in retirement and minimize your taxes, understand the different “buckets” your retirement money falls in. 01:30 Bucket #1 – Taxable Income/After Tax 02:55 Bucket #2 – Tax Deferred 04:15 Bucket #3 – Tax Free 06:00 Taking the right steps to adjust which bucket your money is in can help minimize your taxes. 06:50 Converting your money into a ROTH.   Have specific questions for Tom and the team at Mosley Wealth Management? Book a complimentary visit here 👇 https://mosleywealthmanagement.com/contact/ OR Schedule a 15-min phone call with a member of our team here: https://calendly.com/easeintoretirement/complimentary-15-min-phone-call-with-tom-mosley   ================================================= If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄, 𝐥𝐢𝐤𝐞, 𝐨𝐫 𝐬𝐡𝐚𝐫𝐞! =================================================  ⭐ 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  #inflation #retirementincome #ROTH #TaxesinRetirement #retirementplanning #investing #financialadvisor #SocialSecurity #RetirementFinances #TaxStrategies #FinancialMastery   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 Mosley Insurance & Financial Services.          

For more information go to: www.mosleywealthmanagement.com

Have you ever wondered why some people sail through retirement while others hit stormy seas? Today we’re going to uncover three colossal mistakes many make as they head into retirement. We’ll also share some steps you can take NOW to correct your course and help ensure a smooth and thriving retirement.   Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇  TIMESTAMPS 00:00 Intro to the 3 biggest mistakes people make heading into retirement. 01:00 Mistake #1 – Saving Too Little 02:30 Mistake #2 – Piling on Debt 03:30 Mistake #3 – Shiny Object Investment 05:05 Steps you can take to get on track and avoid the mistakes. 05:40 How to save – simplified. 06:05 Tips on getting out of debt. 07:15 Investing 07:45 How to get professional help.
Have specific questions for Tom and the team at Mosley Wealth Management? Book a complimentary visit here 👇 https://mosleywealthmanagement.com/contact/ OR Schedule a 15-min phone call with a member of our team here: https://calendly.com/easeintoretirement/complimentary-15-min-phone-call-with-tom-mosley   ================================================= If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄, 𝐥𝐢𝐤𝐞, 𝐨𝐫 𝐬𝐡𝐚𝐫𝐞! =================================================  ⭐ 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  #retirementmistakes #retirementincome #retirementplanning #retirementstrategy #investing #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 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

Unless you’ve been hiding under a rock the last few years you probably struggle to make it through the day without hearing the buzzword, “𝙞𝙣𝙛𝙡𝙖𝙩𝙞𝙤𝙣”. While there are different kinds of inflation, they all lower the value of your hard-earned assets. Through the use of Social Security and increasing streams of income, we’re able to grant our clients peace of mind in knowing they 𝘄𝗼𝗻’𝘁 𝗵𝗮𝘃𝗲 𝘁𝗼 𝗺𝗮𝗸𝗲 𝘀𝗮𝗰𝗿𝗶𝗳𝗶𝗰𝗲𝘀 to their lifestyles in retirement! If you’re interested in how you can incorporate these strategies into your portfolio, take a listen.
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 Mosley Insurance & Financial Services.

For more information go to: www.mosleywealthmanagement.com

Even though everyone can’t wait until they retire, nearly every retiree has some apprehension or fear before they make the leap.  This is completely natural as this is new to you and we’re wired to be 𝗹𝗲𝗲𝗿𝘆 𝗼𝗳 𝘁𝗵𝗲 𝘂𝗻𝗸𝗻𝗼𝘄𝗻. If you need assistance in gaining some confidence to 𝗼𝘃𝗲𝗿𝗽𝗼𝘄𝗲𝗿 𝘁𝗵𝗲𝘀𝗲 𝗳𝗲𝗮𝗿𝘀, the team at Mosley Wealth Management would love to help!  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 Mosley Insurance & Financial Services. 

For more information go to: www.mosleywealthmanagement.com

Social Security has been the 𝗯𝗮𝗰𝗸𝗯𝗼𝗻𝗲 𝗼𝗳 𝘁𝗵𝗲 𝗔𝗺𝗲𝗿𝗶𝗰𝗮𝗻 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 since its introduction in 1935.   But a lot has changed in our everyday lives since that era, so 𝘁𝗵𝗲 𝗽𝗿𝗼𝗴𝗿𝗮𝗺 𝗻𝗲𝗲𝗱𝘀 𝗰𝗼𝗻𝘀𝘁𝗮𝗻𝘁 𝗮𝗱𝗷𝘂𝘀𝘁𝗺𝗲𝗻𝘁𝘀. For example, Social Security was designed as a way to supplement retirement income for individuals aged 62 and higher. 
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 Mosley Insurance & Financial Services.

For more information go to: www.mosleywealthmanagement.com

The number one fear for both soon-to-be and current retirees alike is 𝗿𝘂𝗻𝗻𝗶𝗻𝗴 𝗼𝘂𝘁 𝗼𝗳 𝗺𝗼𝗻𝗲𝘆 in retirement. So how do you combat these concerns and produce 𝗴𝘂𝗮𝗿𝗮𝗻𝘁𝗲𝗲𝗱 𝗹𝗶𝗳𝗲𝘁𝗶𝗺𝗲 𝗶𝗻𝗰𝗼𝗺𝗲 for the rest of your days? Watch the video to find out!
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 Mosley Insurance & Financial Services.

For more information go to: www.mosleywealthmanagement.com

You’d have to conduct a pretty lengthy and thorough search to find a financial professional or anyone in the know who thinks taxes will not be 𝗵𝗲𝗮𝗱𝗲𝗱 𝘂𝗽𝘄𝗮𝗿𝗱𝘀 in the future. Then, the question is less will they be higher, and more of what you’re able to do to make 𝘆𝗼𝘂𝗿 𝗽𝗼𝗿𝘁𝗳𝗼𝗹𝗶𝗼 𝗮𝘀 𝘁𝗮𝘅-𝗲𝗳𝗳𝗶𝗰𝗶𝗲𝗻𝘁 𝗮𝘀 𝗽𝗼𝘀𝘀𝗶𝗯𝗹𝗲 in order to keep more of your hard-earned money in your pocket!



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 Mosley Insurance & Financial Services.

For more information go to: www.mosleywealthmanagement.com

If you’ve already transitioned into retirement, you’re probably aware of what a headache finding the 𝗽𝗿𝗼𝗽𝗲𝗿 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗽𝗹𝗮𝗻 for you and your spouse can be. For those planning their retirements, 𝘄𝗲𝗹𝗰𝗼𝗺𝗲 𝘁𝗼 𝘁𝗵𝗲 𝗽𝗮𝗿𝘁𝘆!

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 Mosley Insurance & Financial Services.

For more information go to: www.mosleywealthmanagement.com

It definitely is an uncomfortable thought, but the reality is that in virtually every single retired couple, one will have to traverse through a period of their golden years 𝘄𝗶𝘁𝗵𝗼𝘂𝘁 𝘁𝗵𝗲𝗶𝗿 𝗽𝗮𝗿𝘁𝗻𝗲𝗿. For these 𝘀𝘂𝗿𝘃𝗶𝘃𝗶𝗻𝗴 𝘀𝗽𝗼𝘂𝘀𝗲𝘀, proactive moves the couple made before the passing, and knowing what to do in the wake, can help to reduce the financial strife during this period of emotional grief.


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 Mosley Insurance & Financial Services.

For more information go to: www.mosleywealthmanagement.com

It can be tough to determine if you or your spouse will have a 𝗹𝗼𝗻𝗴-𝘁𝗲𝗿𝗺 𝗰𝗮𝗿𝗲 𝗶𝘀𝘀𝘂𝗲 arise or if a 𝗻𝗲𝗲𝗱 𝗳𝗼𝗿 𝗰𝘂𝘀𝘁𝗼𝗱𝗶𝗮𝗹 𝗰𝗮𝗿𝗲 will rear its ugly head during your retirement. Perhaps then, the question isn’t 𝗜𝗙 you need a strategy to cover steep long-term care costs, but rather 𝗔𝗥𝗘 𝗬𝗢𝗨 𝗣𝗥𝗘𝗣𝗔𝗥𝗘𝗗 should that instance arise? After all, a solid and well-rounded retirement plan is holistic, comprehensive, and proactive. You and your spouse may luck out and never need to live in a nursing home, but it can certainly 𝘀𝗮𝗳𝗲𝗴𝘂𝗮𝗿𝗱 𝘁𝗵𝗲 𝗿𝗲𝘀𝘁 𝗼𝗳 𝘆𝗼𝘂𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗽𝗹𝗮𝗻 by having a strategy in place!
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 Mosley Insurance & Financial Services.

For more information go to: www.mosleywealthmanagement.com