E.A.S.E. Into Retirement Radio Show

What are the financial moves that successful retirees never regret? In this episode, Tom and Mark reveal three critical decisions that will transform your retirement: smart tax strategies, solid estate planning, and Roth decisions that pay off.

Whether you're years away from retirement or already there, these moves work together to help create a secure, tax-efficient future with a protected legacy. Don't leave these decisions to chance - Hit play now!

Chapters
00:00 Intro
Reducing Taxes into the New Year
01:40 Donor advised funds & QCD
05:15 SEP IRA / Solo 401K
07:35 Check your withholdings
09:30 HSAs
10:50 RMDs
The Role of an Executor
14:40 What is involved in being named an executor
22:00 Accounts & Assets that don’t go through the trust
23:20 Questions to ask if you’ve been named an executor
No Regrets
29:00 Putting money in your Roth IRA
30:45 I should save more & spend less
33:50 I wish I didn’t have life insurance
Listener Questions
39:40 How can I take care of myself, so kids don’t have to?
43:20 Should I do a Roth conversion and when?

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

#RetirementKnowledge #Diversification #Retire #RetirementJourney #Social Security #FreedominRetirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy

DISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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. Comments reflect the views of individual users and do not necessarily represent the views of Mosley Wealth Management. They are not verified, may not be accurate, and should not be considered testimonials or endorsements.



For more information, visit: www.mosleywealthmanagement.com

Tired of thinking about retirement as an ending? What if retirement was actually a beginning?
In this week’s show, Tom and Mark challenge the traditional "retirement from work" mindset and explore how to "retire to something" instead. Discover career shifts, part-time opportunities, and strategies to stay engaged and purposeful in retirement - avoiding the boredom many retirees face.

Plus, they tackle the most frequently asked questions about IRAs, Roth Conversions and more.
You'll also get the inside scoop on advisor fees, fiduciary standards, and what to look for when choosing a financial partner.

Whether you're years away from retirement or already there, this episode will help you reframe how you think about “retirement.” Hit play now!

Chapters
00:00 Intro
Retirement To Something vs From Something
05:30 Think about what you are “retiring to”
07:15 Making a career shift vs. a career end
10:05 Scale back/Work part-time
12:20 Learning to appreciate the process
Frequently Asked Questions re: IRAs
16:40 What kind of return can I expect on my IRA?
20:00 Should I contribute to a 401K or Roth?
23:50 When should I do a Roth Conversion?
26:30 Should I roll my old 401K to a new one or create an IRA?
28:50 10 year draw down
Pet Peeves in the Financial Industry
31:40 Advisor Fees
34:50 Fiduciary vs. Non-Fiduciary
36:04 Not knowing your risk level
37:00 Advisors who put their own goals ahead of the client
38:30 Advisors who use lingo over your head
Listener Questions
42:15 Downsize or Retirement living?
45:00 Is it better to pay for a house in full or pay half & invest the rest?
 
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


#RetirementKnowledge #Diversification #Retire #RetirementJourney #Social Security #FreedominRetirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy

DISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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

Think you're ready for retirement? Before you make the leap, master these three critical areas: choosing the right financial advisor, determining what purchases are smart "investments" in retirement, and assessing your retirement knowledge.

In this essential episode, Tom and Marc help you evaluate your retirement readiness across every dimension that matters. They'll walk you through what to look for in an advisor, which purchases make sense versus drain your income, and the key retirement knowledge gaps you need to fill.

Whether you're a couple years out from retirement or just starting, discover if you're truly retirement ready. Hit play now!

Chapters
00:00 Intro
What to look for when working with an Advisor 
02:20 Check the advisor’s philosophy
06:40 Questions to ask an advisor
13:00 When you need to shift advisors
Determining what is a good investment
15:00 Getting a better car
18:00 Collectibles
19:55 Home renovations
21:15 Vacation home & extra property
Rating Your Retirement Knowledge
24:15 Your net worth
27:15 Your budget
28:40 Your risk tolerance & capacity
31:00 Do you know what you’re paying in fees?
33:15 Do you know what your guaranteed income is?
Listener Questions
37:00 How to plan for retirement when you have a special needs child?
42:35 Doing seasonal work while on Social Security?
45:20 What is ESG Investing & is it good?
 
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

#whattoaskanadvisor #GoodInvestments #RetirementKnowledge #Diversification #WhatsMyNetWorth #Retire #RetirementJourney #Social Security #FreedominRetirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy

DISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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 financially ready to retire, and thinking about helping your grandkids with their education at the same time? In this episode, we break down three money questions every grandparent over 55 should be asking before making any of those big decisions.

We start with the education conversation: how to figure out what you can actually afford to contribute, and a breakdown of your options - 529 plans, the new Trump Accounts, UGMA/UTMA, custodial Roth IRAs, and taxable brokerage accounts.

Next, we dig into your net worth: how to calculate it, what's "normal" for your age, and why net worth and investable assets aren't the same thing.

Then we tackle diversification, what it really means, and why your definition and your advisor's definition might not match.

Whether you're planning for retirement, helping the next generation, or just trying to make sense of it all, you’ll find some solid information you can apply to your own situation.

Chapters
00:00 Intro
Helping with College in Retirement
02:45 Determine the need 
03:40 529 Plans
05:25 Trump Accounts (530a)
07:45 UGMA/UTMA
08:55 Custodial Roth
10:40 Taxable Brokerage Accounts
Analyzing Your Financial Net Worth
14:45 How to break it down
19:00 Net worth by age
24:35 Net worth vs. investable
Diversification 
28:10 Diversification defined
32:55 What it means to an advisor
Listener Questions
37:45 I’m 55. How do I know if I can retire?
43:00 As grandparents are we being taken advantage of?

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

 #529Plans #SmartGrandparents #Diversification #WhatsMyNetWorth #Retire #RetirementJourney #HelpingGrandkids #Social Security #FreedominRetirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy

DISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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're pulling apart some of Madonna's most iconic lyrics - and find surprising financial wisdom hiding in plain sight. From Material World to Papa Don't Preach, we connect the dots between 80s pop culture and the real decisions you're making about your retirement today.
We also cover our "Financial Commandments" - a set of rules we believe every retiree should live by, especially when the market gets rocky. Plus, we tackle two listener questions: one about Social Security eligibility after years of part-time work, and another about what happens financially if a spouse who's always managed the money passes away.

Whether you're a Madonna fan or not, this episode blends a little nostalgia with a lot of practical retirement guidance - the kind you can actually use.

Chapters
00:00 Intro
Retirement Wisdom in Madonna’s Lyrics
03:40 Living in a material world
06:00 Papa don’t preach
08:52 There’s no time to hesitate…
11:40 It’s time to celebrate
Financial Commandments
15:55 Don’t compare your results with the market
20:05 Don’t give up before your strategy has had time to play out
23:30 Don’t be too greedy
26:35 You can’t avoid fees – but know what they are
Do You Need an Advisor?
30:40 Items to consider determining if you need one
35:05 The role of an Advisor
Listener Questions
40:15 Do I get Social Security if I worked part time for a variety of years?
43:10 My husband has always done the financials - am I ok if he passes?


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

#RetirementRules #Madonna #RetirementWisdom #Retire #RetirementJourney #RetirementBlueprint #Social Security #FreedominRetirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy

DISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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

We’ve got a little something for everyone this week. From client meetings to Fly Fishing to a few truth bombs along the way, we unpack the retirement knowledge that actually matters. From understanding what’s important in a conversation with your advisor to lessons learned on the river, this episode covers more ground than your usual retirement chat - but It all circles back to the same question: are you ready for what’s next?

We’ll get into what “ready” really means, because this chapter isn’t just about the numbers, it’s about knowing what you’re stepping into and stepping in prepared.

Chapters
00:00 Intro
Client Reviews
03:30 How client reviews work at MWM
05:45 Various types of clients we see in meetings
What Fly Fishing Can Teach About Retirement
16:00 You have to read the water
20:00 Patience
22:45 Technique matters
Retirement Truth Bombs
28:30 Bonds aren’t as reliable as they used to be
31:20 Income taxes are historically low right now
34:00 Be concerned about your own behavior
35:20 Just because you’re smart doesn’t mean you can manage money
Listener Questions  
39:20 Should I open a trump account for my grandkids?
42:45 How long should I be paying into life insurance?
45:40 Should we get in a retirement community now or later?
 
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

#RetirementTruths #FlyFishinginRetirement #Retire #RetirementJourney #RetirementBlueprint #Social Security #FreedominRetirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy

DISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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 isn't what it used to be, and if you're a Boomer, the stakes have never been higher. In this episode, we kick things off with some surprisingly sharp retirement wisdom from the one and only Betty White, whose approach to health, work, and relationships offers more insight than you'd expect.

From there, we dig into the real challenges facing Boomers today: the massive generational wealth transfer already underway, and the biggest mistakes we see Boomers make as they head into (or through) retirement.

We also cover the sneaky ways people get thrown off track, from over-relying on AI and online retirement calculators, to well-meaning but bad advice, and what steps you can take to course-correct if you feel like you've drifted.

Whether you're already retired, approaching it, or just trying to help your parents navigate it, this episode is packed with practical, honest advice for the road ahead.

Chapters
00:00 Intro
Betty White Quotes & Retirement Advice
02:25 On health
07:30 On retiring – or not
10:40 On maintaining relationships
The Challenges Boomers Face
16:45 The transfer of wealth challenges
23:00 Biggest mistakes Boomers make
Things That Can Throw You Off Track in Retirement
28:05 Projections & AI/Online Calculators
31:00 Bad advice
32:45 Steps to get back on track
Listener Questions
37:15 Should I work with a financial advisor
43:05 Where should I put money if the market crashes?

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

#BoomersinRetirement #Retire #RetirementMistakes #RetirementBlueprint #Social Security #FreedominRetirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy

DISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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

Just like your closet or junk drawer at home, your financial life collects clutter over the years. Do you have a collection of old accounts? Do you know where they are? Are you still saving and investing with outdated advice? In this episode, we explain why "getting organized" is one of the most overlooked, and most important, steps in retirement planning. We'll walk through practical tips for getting organized, building a budget, and honestly assessing whether what you have still "fits" your goals.

Clutter isn't just about old accounts, it's about bad information, too. We tackle two major sources of financial noise: misleading headlines and outdated rules. From "sky is falling" doom messages to overly bullish hype, we explain how to read financial news without letting it derail your plan. We also debunk retirement rules that no longer hold up, like the idea that everyone needs exactly $1 million to retire.

Plus, we answer real listener questions on preparing for retirement in your 50s, whether to take more income or find part-time work, and how to balance spending now versus saving for later.
Whether you're just starting to organize your financial life or fine-tuning your plan before retirement, this episode will help you cut through the clutter and prepare with confidence.

Chapters
00:00 Intro
Financial Junk Drawer
02:20 How your financial life is like a closet
04:00 Retirement planning requires you to get organized
07:20 Tips to get organized
09:00 Creating a budget
11:35 Assessing if what you have still “fits”
Misleading Headlines
15:10 Beware of the “sky is falling” messages
18:45 Be careful of the bullish messages 
21:30 Interest rates
24:10 Product pushing
Outdated Rules 
29:00 Withdrawal rates
33:11 10-5-3 rule
34:15 Moving stocks to bonds in retirement
35:55 Having a million dollars for retirement
Listener Questions
40:15 I’m 51, what should I do to prepare for retirement?
44:15 Should I take more money out or get a part-time job?
47:00 I’m 57, should I spend now or save till 65?

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

#HowToOrganizeFinances #Retire #RetirementJourney #RetirementBlueprint #Social Security #FreedominRetirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy

DISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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 contemplating retirement more and more but not quite sure how ready you really are? You're not alone. In this episode, we walk through how to evaluate your "desire to retire," where you land on the scale, and what to do next once you know.

We'll also dive into generosity in retirement, sharing tips on how to give wisely and avoid the trap of being too generous at the expense of your own financial security. Because wanting out is only half the equation; knowing how to steward what you've built is the other.

If you've ever found yourself secretly counting down the days till retirement, this one's for you.

Chapters
00:00 Intro
The Desire to Retire – What Level are You?
01:55 Level One: You enjoy what you do
04:45 Level Two: You could retire, but you like the money 
06:10 Level Three: You’d like to retire, but don’t know how
07:55 Level Four: You want to retire
09:25 Level Five: You need to retire – like yesterday!
Retirement Lessons from Shaq Quotes
13:40 Why Shaq?
15:40 On habits
17:50 On taxes
21:30 On worrying
24:10 On motivation
Generosity
28:00 Advising retirees who are generous
33:40 Advising retirees who are TOO generous
Listener Questions
40:30 How often should I meet with my advisor near retirement?
46:05 Laid off & close to retirement. Should I take unemployment?
48:25 Want to retire early – what should I 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

#WhentoRetire #RetirementJourney #RetirementBlueprint #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy

DISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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

What does planning a trip to a National Park have to do with planning your retirement? More than you'd think! In this episode, we break down 5 simple rules every National Park visitor knows and show you exactly how they apply to building a retirement that actually works. From why you need a map before you start the trip, to why "packing light" might be the smartest financial advice to consider, this episode reframes retirement planning in a way that's practical, memorable, and (dare we say) fun.

We'll also cover some of the easiest, and most common ways people accidentally sabotage their own retirement, from treating it like a finish line instead of a fresh start, to investing like they're still decades away from retiring. And we'll bust a few "retirement lies" that sound reasonable on the surface but can quietly disrupt your plans.

Whether you're a few years out from retirement or already living it, this episode will help you think about the road ahead with a little more clarity and a lot less stress.

Chapters
00:00 Intro
Retirement Planning is like visiting National Parks
02:10 You need a map
06:00 Don’t leave a mess
08:25 Taking the scenic route
10:15 Pack light
11:55 Every park is different
Easy Ways to Ruin Retirement
14:53 Looking at retirement as an end & not a beginning
21:15 Assuming your spending won’t change
23:30 Stop moving and socializing
25:35 Investing like your 35 and not 65
Retirement Lies
28:30 Current lies in today’s market
31:30 “A loss on paper… the market always bounces back”
35:25 “You can beat the market”
Listener Questions
40:00 Offered a buyout on pension – what should I know?
44:45 What’s a reasonable rate of return on investments?

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 
 
#RetirementFreedom #RetirementJourney #NationalParks #RetirementBlueprint #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy

DISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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