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/ 
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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.



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