The people in your life who give you financial advice usually mean well, but good intentions don't always lead to good outcomes. In this episode, Tom breaks down why the retirement advice you're getting from family members and even trusted financial professionals like CPAs could actually be working against you.

What works for your brother, your neighbor, or your colleague may not work for you. Social Security, taxes, and retirement look different for everyone, and a one-size-fits-all approach can cost you dearly.

Tom also explores why adaptability is one of the most underrated retirement skills and takes a deep dive into the emotional rollercoaster of market swings, from fear and panic, to greed, anger, and ignorance. If you want a retirement strategy built around your life, not someone else's, this episode is for you.

Chapters
00:00 Intro
Good Intentions but Bad Retirement Advice
03:15 Family
06:30 CPAs
09:50 Universal Media
What we Can Learn About Investing from Geniuses
15:10 Adaptability
Market Reactions
29:30 Fear & Panic
30:55 Greed
33:25 Anger
34:50 Ignorance
Listener Questions
39:00 How do I catch up if I’m in my 50’s?
42:30 When is the best time to consider long-term insurance?


Ready to plan your retirement? Do you 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

#RetirementPlanning #RetirementRisks #RetirementBlueprint #MarketRisk #TaxPlanning #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.

For more information, visit: www.mosleywealthmanagement.com

Life has a way of surprising us and not always in the good way. Whether it's a market crash, a health scare, the loss of a spouse, or a sudden job change, the unexpected has a way of showing up right when you can least afford it.

In this episode, we dive deep into history's biggest financial black swan events and unpack the lessons every retiree needs to know. Because as Bob Dylan so wisely put it, the times, they are a-changin'.

We'll also walk through the real-life curveballs that hit closest to home - job loss, major health crises, and the death of a spouse - and share practical strategies to help you navigate them without derailing your retirement.

No matter what life throws at you, the right plan can make all the difference.

Chapters
00:00 Intro
What Black Swan Events Have Taught us
04:50 Black Tuesday (market recovered)
08:15 Dot Com Crash (diversification)
09:55 911 Attacks (Have a plan and hold)
11:00 2008 Financial Crisis (Have an income set)
13:25 How to overcome these during retirement
Bob Dylan’s Lyric & Some Solid Financial Advice
18:25 Times are Changing
Life Happens. How to Handle the Unexpected in Retirement
27:00 Moving to a new job & getting laid off
33:30 Receiving an inheritance
35:30 Facing a big health crisis
37:45 Death of a spouse
Listener Questions
42:00 Are dinner seminars worth it?
44:28 With gas prices going up, should I buy an electric car?

Ready to plan your retirement? Do you 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           

#RetirementPlanning #RetirementRisks #RetirementBlueprint #MarketRisk #TaxPlanning #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.


For more information, visit: www.mosleywealthmanagement.com

Are you truly prepared for retirement or just thinking you are? In this episode,𝗜𝗻 𝘁𝗵𝗶𝘀 𝗲𝗽𝗶𝘀𝗼𝗱𝗲, 𝘄𝗲'𝗿𝗲 𝘀𝗵𝗮𝗿𝗶𝗻𝗴 𝗮 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗿𝗲𝗮𝗹𝗶𝘁𝘆 𝗰𝗵𝗲𝗰𝗸... 𝗕𝗿𝗲𝗮𝗸𝗶𝗻𝗴 𝗱𝗼𝘄𝗻 𝘁𝗵𝗲 𝗲𝘀𝘀𝗲𝗻𝘁𝗶𝗮𝗹 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝘁𝗼𝗽𝗶𝗰𝘀 𝗺𝗼𝘀𝘁 𝗽𝗲𝗼𝗽𝗹𝗲 𝗼𝘃𝗲𝗿𝗹𝗼𝗼𝗸 𝗯𝗲𝗳𝗼𝗿𝗲 𝗺𝗮𝗸𝗶𝗻𝗴 𝗼𝗻𝗲 𝗼𝗳 𝘁𝗵𝗲 𝗯𝗶𝗴𝗴𝗲𝘀𝘁 𝘁𝗿𝗮𝗻𝘀𝗶𝘁𝗶𝗼𝗻𝘀 𝗼𝗳 𝘁𝗵𝗲𝗶𝗿 𝗹𝗶𝘃𝗲𝘀.

We walk through the 5 Ds of Retirement Planning and why mastering all five is non-negotiable for financial security. But retirement isn't just about money. We also dig into the lifestyle side of retirement and discuss the most important personal things you must address as you enter this new chapter. And finally, we tackle a couple of the things you might think you know about retirement (but are often misunderstood).
 
Whether you're 5 years out or already retired, this episode is your reality check.

In this episode: 
Chapters
00:00 Intro
The 5 Ds of Retirement Planning
02:45 D #1
06:45 D #2
08:00 D #3
10:50 D #4
12:00 D #5
Retirement Lifestyle 
16:20 Social
20:20 Health
24:15 Sharp
26:35 5 Years
28:30 Fallback
Things You Think You Know about Retirement
33:13 Income
35:05 Risk
36:30 Investment
37:40 Markets
38:55 Life Insurance
Listener Questions
43:40 What should we consider if wanting to move away in early retirement

Ready to plan your retirement? Do you 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

#RetirementPlanning #RetirementRisks #RetirementBlueprint #MarketRisk #TaxPlanning #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.

For more information, visit: www.mosleywealthmanagement.com

Retirement doesn't happen overnight, and neither does a great retirement plan. In this episode, we walk you through every critical stage of the retirement journey, the questions you should be asking your financial planner right now, and the surprising ways people unknowingly work against their own financial future.
In this episode:
•    The foundation of every successful retirement plan and why trusting the right team makes all the difference
•    Key questions to ask your financial planner about your lifestyle, income, spending, and risk tolerance
•    What smart retirement planning looks like at every stage - from 15 years out to your first days of retirement and beyond
•    The surprising gap between what people say they want in retirement, and what they actually do.
Whether you're years away or right around the corner, this episode will help you get honest about where you stand and help clear a path forward.

Chapters
00:00 Intro
04:10 You need to trust the team
Questions to Ask Your Financial Planner
06:20 Does my plan support my lifestyle goals
08:10 Where is my money coming from this year? 
09:44 What is the spending plan vs. the reality?
10:50 How much risk can I take & handle?
Stages of Retirement
15:20 15 years out 
19:00 10 years out 
21:10 5 years out 
23:50 The day you 
25:50 Post Retirement
How People Say One Thing – But Do the Opposite in Retirement
28:40 Looking for deals but overlooking fees
33:10 Having low risk tolerance but having risky investments
35:30 Saying you love your spouse but not taking steps to protect them financially.
Listener Questions
41:00 Advice for handling a timeshare in retirement
44:30 Laid off with severance – how to handle health care

Ready to plan your retirement? Do you 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

#RetirementPlanning #RetirementRisks #RetirementBlueprint #MarketRisk #TaxPlanning #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.


For more information, visit: www.mosleywealthmanagement.com

Do you know where you fall on the retirement spectrum? We break down the 5 levels of wanting out, unpack surprising retirement wisdom from Shaq, and tackle the fine line between generosity and giving too much in retirement. There’s something for everyone – no matter what stage of retirement you’re in.

Chapters
00:00 Intro
The Desire to Retire
01:45 Level One: I don’t see myself retiring
04:55 Level Two: I could retire, but I’m getting paid well
06:20 Level Three: I’d like to retire soon, but I don’t know how
08:05 Level Four: I’d really like to retire NOW.
09:40 Level Five: I need to retire like yesterday!
Retirement Lessons from Shaq Quotes
14:07 Why Shaq
16:00 On habits 
18:00 On taxes
21:55 On worrying
24:17 On motivation
Generosity
28:00 Guiding Retirees who are generous
34:00 Retirees who are too generous
Listener Questions 
40:45 How often should I visit my financial advisor near retirement?
46:20 Want to retire early at 57 – What do I need to consider?

Ready to plan your retirement? Do you 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

#RetirementPlanning #RetirementRisks #RetirementBlueprint #MarketRisk #TaxPlanning #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.

For more information, visit: www.mosleywealthmanagement.com

Disneyland meets… Retirement Planning? In this episode of Ease into Retirement, we use some of the most famous theme park rides to unpack several key retirement moves, expose the financial truths most people learn too late, cover the tax mistakes that quietly cost retirees, and answer real listener questions about downsizing, job loss, and managing multiple bank accounts. This is sure to be an "E-Ticket Ride", so remain seated, tighten your seatbelt, and take a listen!

Chapters
00:00 Intro
Financial Planning Tips Through Disneyland Rides
02:02 Space Mountain (younger vs older. Can’t take the ups n downs)
07:37 Dumbo (simple/classic)
10:20 It’s a Small World
Financial Truths
15:03 The Media is Often an Enemy
18:45 Emotions are not our Friend when it comes to Finances
23:00 You’re not as risk tolerant as you think you are
25:00 There is no one product that will take care of everything.
Biggest Tax Mistakes Retirees Make
27:00 Not tax planning for RMDs
30:55 Roth Conversions
33:30 Not paying attention to the impact of timing
Listener Questions
38:30 What should I think about if I want to downsize
44:10 Got laid off, but nearing retirement. What should I do?
46:40 Are there issues to having multiple accounts in multiple banks?

Ready to plan your retirement? Do you 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 

RetirementPlanning #RetirementRisks #RetirementBlueprint #MarketRisk #TaxPlanning #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.

For more information, visit: www.mosleywealthmanagement.com

March Madness isn't just for basketball fans - your retirement plan needs a winning strategy too! This episode walks you through how to set specific, realistic financial goals, why a Cinderella story approach could change your retirement outlook, and how to avoid the risky picks that bust your budget. We also answer a listener question about navigating money and fairness with your kids in retirement. Tune in and start building your championship financial game plan.

Chapters
00:00 Intro
Ode to the Oscars
03:23 Lead actor of finance 
05:28 Best supporting role in finance
11:10 Best original score in finance
March Madness in Retirement Planning
15:44 Get started
19:00 A Cinderella story
22:10 Being a “homer”
26:10 Risky picks
Setting Financial Goals
29:00 Peace of Mind
32:50 Setting specific goals for yourself
36:20 Unrealistic goals
38:25 How to create a winning strategy & realistic goals
Listener Questions
41:15 How to loan money to one kid but keep it fair while in retirement.

Ready to plan your retirement? Do you 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                                                                                                                                                                            #RetirementPlanning #RetirementRisks #RetirementBlueprint #MarketRisk #TaxPlanning #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.


For more information, visit: www.mosleywealthmanagement.com

Are you following retirement advice that's working against you? In this episode Tom exposes the most overrated financial strategies and uncovers the underrated moves that actually work; from rates of return and tax advantages to liquidity, simplicity, and ROTH conversions, we're cutting through the noise so you can retire with confidence.

Chapters
00:00 Intro
Overrated Financial Items 
03:35 Tax Advantages
09:10 Rates of Return
11:30 Commission Based Investment Accounts
Underrated Financial Items
15:00 Liquidity 
19:45 Predictability
21:55 Simplicity
ROTHs & ROTH Conversions
28:45 What they are & How they work
33:30 ROTHs for High Income Earners
37:30 Confusions on ROTH conversions
Listener Questions
41:25 When should I move from DIY to having a financial advisor?
47:45 Getting a rate hike on my LTC policy – is that normal?

Ready to plan your retirement? Do you 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

#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #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.


For more information, visit: www.mosleywealthmanagement.com

Smart investors still fall into predictable traps. In this episode we unpack the biases quietly hurting your returns, how to handle life's biggest financial windfalls, and the surprisingly relevant money wisdom of Mr. Rogers - the stuff Wall Street never talks about.

Chapters
00:00 Intro
Investor Biases
03:45 Confirmation Biases
05:45 Loss Aversion Biases
07:35 Disposition Effect Biases
09:05 Hindsight Biases
10:20 Familiarity Biases
11:45 How an advisor can help
Navigating Financial Windfalls
15:25 Your company is bought out
19:30 You receive an inheritance
22:15 Your property value increases   
25:00 Your stock investments surge
Mr. Rogers Quotes & Financial Wisdom 
29:05 Discovering the truth about ourselves is a lifetime’s work...
32:35 Often out of periods of losing come the greatest winning…
34:55 Often when you’re at the end of something, you’re at the beginning…
37:00 You rarely have time for everything you want in this life…
Listener Questions 
40:05: How much should I save for travel in retirement?
44:40 What is a stretch IRA?
 

Ready to plan your retirement? Do you 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 #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #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.



For more information, visit: www.mosleywealthmanagement.com

In this episode, we tackle two of the most misunderstood areas of retirement planning, and the ones that can make a big difference in your financial security.

First, we break down Mutual Funds from the ground up: how they work, how they compare to ETFs, and what's actually inside them. Then we turn to cash, specifically, how much you should realistically keep on hand in retirement, the risks of letting too much sit idle, and a practical approach to rebalancing without stress.

If you've ever wondered whether your money is truly working as hard as it should be, this episode is for you.

Chapters
00:00 Intro
Mutual Funds
02:38 How Mutual Funds work
04:23 Mutual Funds vs. ETFs
09:42 Things to think about when choosing investments
Reasons to Keep Cash on Hand
16:07 Why is an emergency fund of cash so important
19:45 Having too much cash sitting around
22:10 How to ease out of having too much cash sitting around
Listener Questions
27:00 Is it a bad idea to buy a business in my early 50’s?
31:30 How many financial advisors do people generally work with?
33:55 Considering selling my rental income – Good or bad idea?

Ready to plan your retirement? Do you 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 #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #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.



For more information, visit: www.mosleywealthmanagement.com