The stock market can be a great place to grow your wealth, but it comes with volatility and a big market crash could wipe out a significant portion of your retirement savings.

Meanwhile, the threat of future tax hikes could have a big effect on your tax-deferred IRA and 401(k).

 

In this episode, Frank and Frankie delve into the downsides of relying solely on your 401(k) while exploring options you may have to your financial outlook. Learn how in-service distributions and Roth conversions might be game changers as you approach retirement.

 

If you're looking to maximize your retirement savings, and minimize taxes, within a personalized financial and retirement plan, visit A Better Way Financial.com to get started.

 

Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

 

#retirementplanning #marketcrash #stockmarket #risktolerance #taxplanningforretirement #retirementtaxplanning #estateplanning #financialservices #financialplanning #money #personalfinance #retirement #investing #savings #RetirementSavings #TaxPlanning #FinancialSecurity #401k #RothConversion #InServiceDistribution #MarketDownturns #TaxSavings #RetirementIncome #FinancialPlanning #TaxStrategies #financialplanner #financialliteracy #wealth #ABetterWayFinancial #fyp #podcast #Allentown #Pennsylvania

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Americans are retiring earlier than they had expected. On average, they initially thought they’d retire at age 63, but instead have left the workforce at 61 and a half. 

 

While it should be a time to relax and enjoy the fruits of your labor, if you're not careful you could run out of money.

 

In this episode, Frank and Frankie share ideas on how to retire early without running out of money.

They discuss a variety of topics, including:

 

• Choosing the right pension option for you
• When to start taking Social Security
• Planning for taxes in retirement
• Monitoring your plan to keep it on track

 

Thinking about retiring early? Visit A Better Way Financial.com to start building your plan.

 

Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

 

#ABetterWayFinancial #RetirementSavings #FinancialPlanning #BabyBoomers #RiskTolerance #TaxStrategies #RetirementIncome #RetirementPlanning #EarlyRetirement #FinancialFuture #PortfolioManagement #FinancialSecurity #PensionOptions #SocialSecurity #TaxSavings #InvestmentStrategies #retirement #financialplanner #financialliteracy #wealth #fyp #podcast #Allentown #Pennsylvania

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Ten years ago, 60 Minutes interviewed financial planner Brooks Hamilton who raised concerns about the quality of mutual funds in 401(k) plans. Recently the clip has seen new life online with many asking, “Have things improved since then?”

 

In this episode, Frank and Frankie break down some key changes in 401(k) plans, including the rise of Roth 401(k) options and their potential benefits for tax-free retirement income. They emphasize the significance of employer matches and discuss strategies for minimizing taxes on your retirement savings.

 

Learn about the advantages of in-service distributions once you reach age 59½ and how doing them might expand your investment options. Learn about the pitfalls of certain target retirement funds and explore alternatives for a balanced portfolio.

 

If you're looking to boost your retirement savings, minimize taxes, and secure your financial future, visit A Better Way Financial.com to start the conversation about your retirement plan today.

 

Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

 

#ABetterWayFinancial #RetirementSavings #FinancialPlanning #BabyBoomers #Retirement #RiskTolerance #PortfolioDiversification #60Minutes #401k #401kPlans #RetirementPlanning #Roth401k #TaxStrategies #MutualFunds #TargetRetirementFunds #InServiceDistributions #RetirementIncome #PortfolioOptimization #MarketDownturns #FinancialFuture #retirement #financialplanner #financialliteracy #wealth #fyp #podcast #Allentown #Pennsylvania

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Baby boomers have an enduring love affair with the stock market. While the allure of double-digit returns is undeniable, is it wise to remain heavily invested in stocks as retirement approaches?

 

On this episode of A Better Way Financial, financial advisors and father-son team Frank and Frankie Guida discuss the importance of finding a balance between market exposure and financial security in your retirement plan. They break down some of the risks of maintaining a stock-heavy portfolio in retirement and share strategies for transitioning to a more diversified approach to help increase safety.

 

Ready to learn ways to reduce your risk in retirement? Connect with the team at A Better Way Financial.com.

 

Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

 

#StockAddiction #BabyBoomerStocks #RetirementPortfolio #StockMarketRisks #DiversifiedPortfolio #RetirementPlanningStrategies #MinimizingTaxes #MarketExposure #ABetterWayFinancial #RetirementSavings #OptimizingRetirement #FinancialInsights #FinancialPlanning #StockMarketInvestment #FinancialStrategies #BabyBoomers #Stocks #Retirement #RiskTolerance #PortfolioDiversification #TaxPlanning #WallStreetJournal

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On this episode, financial advisors and retirement planners Frank and Frankie Guida discuss the importance of having the right attitude when it comes to retirement planning.

They share the story of a 100-year-old woman who credits her positivity for her long life and explain how a positive attitude can help you overcome challenges and achieve your financial goals.

Discover secrets to preparing for retirement with optimism and confidence. From leveraging market-savvy investments to tax-efficient planning, learn insight that can revolutionize your financial outlook and how attitude impacts not only your wellbeing but also your financial journey.

 

Ready to take control of your financial future? Visit A Better Way Financial.com

 

Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

 

#reitrementincome #Pennsylvania #Allentown #retirement #financialplanner #wealth #fyp #podcast #financialplanning #taxplanning #retirementregrets #retirementplanning #retirementplanningstrategies #inflationprotection #retirementpreparation #avoidingfinancialregrets #retirementpitfalls #socialsecurityoptimization #taxefficientretirement #ABetterWayFinancial #FinancialFuture #PositiveAttitude #FinancialStrategies #TaxEfficientPlanning #Mildred Kirschenbaum #FinancialAttitude #FinancialHappiness

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A recent survey found that more than half of retirees said they’d go back and plan their retirement differently if they could. 63% regretted not including investments that provided a steady income stream, saying they’d like to receive an ‘automatic paycheck.’

 

On this episode, financial advisors and retirement planners Frank and Frankie Guida share their ideas and ways they help clients avoid this want for a “do-over.” 

 

Discover the importance of building a secure nest egg, creating a steady income stream, and preparing for unexpected events like inflation and market volatility. With the retirement landscape rapidly evolving, the need for strategic financial planning is more crucial than ever. Join us as we explore how to avoid these pitfalls and optimize your retirement journey.

 

The team at A Better Way Financial works to shed light on the advantages of proactive retirement planning, including safeguarding your portfolio against market crashes, optimizing Social Security income, reducing tax burdens, and creating pension-like income. Learn from a real-life case study of a couple in their late 60s who turned their retirement around through effective financial planning.

 

Find ways to help secure your financial future. Connect with the team at A Better Way Financial for a comprehensive retirement plan and review.

 

Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

 

#reitrementincome #Pennsylvania #Allentown #retirement #financialplanner #financialliteracy #wealth #fyp #podcast #fall #financialplanning #taxplanning #retirementregrets #retirementplanning #retirementplanningstrategies #inflationprotection #retirementpreparation #avoidingfinancialregrets #retirementpitfalls #socialsecurityoptimization #taxefficientretirement #ABetterWayFinancial

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On this episode Frankie Guida shares the strategies they use at A Better Way Financial to help clients add more security into their financial futures.

 

With fall marking a critical time for financial planning, they delve into the challenges of an aging advisor landscape and the need for generational expertise. Learn the importance of having a financial advisor who will be with you through retirement and beyond, while providing you with a comprehensive plan that covers investments, income planning, tax optimization, and more.

Discover how the team at A Better Way Financial, with decades of experience and a multi-generational approach, can help you navigate the complexities of retirement planning.

Don't miss out on valuable insights and actionable tips for a financially secure retirement journey.

 

Looking for more financial guidance? Connect with the team at A Better Way Financial for a comprehensive retirement plan and review.

Be sure to read our book, Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

 

#reitrementincome #Pennsylvania #Allentown #retirement #financialplanner #financialliteracy #wealth #fyp #podcast #fall #financialplanning #taxplanning

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Many people dream and plan for the perfect wedding day. Still, disasters can and do happen… as proven by the laundry list of wedding day errors for this one bride. But a wedding is usually just one day in life. Your retirement might also not go as planned. Unexpected events or changes in circumstances can happen, and without a proper plan, cause much financial strife.

 

On this episode, financial advisors and retirement planners Frank and Frankie Guida talk about how the team at A Better Way Financial helps their clients plan for the unexpected and adapt to new situations, so that their retirement is not derailed.

 

• First, you must have a plan.
• Then, you need to test that plan.
• Moving forward, you need to regularly review and update according to external factors like tax law changes, Social Security changes, market fluctuations, health care and family needs, etc.

 

It’s critical to not only have a financial plan, but to continually update it to reflect on how major life changes could affect you and build guardrails to prevent you from running out of money.

 

If you are near or in retirement, and you don’t have a financial plan, or you have a plan that needs to be updated due to market changes or life events Connect with the team at A Better Way Financial for a comprehensive retirement and tax plan review.

Be sure to read our book, Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

#taxes #socialsecurity #reitrementincome #Pennsylvania #Allentown #retirement #financialplanner #financialliteracy #wealth #fyp #podcast

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During his recent trip to Nashville, financial advisor & retirement planner Frank Guida sat down for a great conversation with Candace Owens, American conservative political commentator, author, activist, and television presenter.

Connect with the team at A Better Way Financial for a comprehensive retirement and tax plan review.

Be sure to read our book, Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

See omnystudio.com/listener for privacy information.

A recent Gallup poll found that 51% of respondents feel their income taxes were not fair.  That’s the highest number in two decades and this survey doesn’t take into account that the Trump Tax Cuts will expire at the end of 2025.

 

Very often, taxes are the biggest expense in someone’s retirement. Without a written tax plan, within your overall retirement plan, you could pay thousands more in taxes than necessary.

 

On this episode, financial advisors, retirement planners and father-son duo Frank and Frankie Guida share ideas on how you may be able to take advantage of this time by doing your long-term tax planning now.

 

The team at A Better Way Financial can show you how utilizing tools like Roth conversions, suitable market strategies, and proper insurance products may position you to pay less taxes in retirement.

 

Learn what tax strategies may work within your financial plan. Connect with the team at A Better Way Financial for a comprehensive retirement and tax plan review.

Be sure to read our book, Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

See omnystudio.com/listener for privacy information.