Freedom To Retire

That's how the saying goes. And while we all wish we could, none of us can control the markets. What we can control is how our retirement accounts respond to market volatility… beyond just “hanging in there.” Jim Cipriotti discusses this and more on this latest episode of Freedom to Retire.

Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 4:00 p.m. ET on WPHT.

For more information and to schedule a complimentary consultation with Jim Cipriotti, visit www.RetireReadyFG.com.

See omnystudio.com/listener for privacy information.

Next year, retirees will see the largest Social Security COLA, or Cost of Live Adjustment in four decades.  And while that's certainly not a bad thing, the increase doesn't exactly keep up with the actual cost of living.  Jim Cipriotti discusses how to factor Social Security benefits into your retirement plan on this episode of Freedom To Retire.

Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 4:00 p.m. ET on WPHT.

For more information and to schedule a complimentary consultation with Jim Cipriotti, visit www.RetireReadyFG.com.

See omnystudio.com/listener for privacy information.

As the year winds down and the holidays get ready to start, don’t forget about that one family who’s always expecting a gift: Uncle Sam.  Jim Cipriotti discusses year-end tax moves that you should look at, including how to minimize those Required Minimum Distributions (or RMDs) in the coming years on this episode of Freedom to Retire.

Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 4:00 p.m. ET on WPHT.

For more information and to schedule a complimentary consultation with Jim Cipriotti, visit www.RetireReadyFG.com.

See omnystudio.com/listener for privacy information.

There is a difference between average returns and actual returns, and planning your retirement on the former could lead to some problems down the line.  Jim Cipriotti explains the difference and how to get a better idea of how your portfolio will look for the next 20-30 years on this episode of Freedom to Retire.

Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 4:00 p.m. ET on WPHT.

For more information and to schedule a complimentary consultation with Jim Cipriotti, visit www.RetireReadyFG.com.

See omnystudio.com/listener for privacy information.

More than ever, people are desperate for information on how to keep their retirement on track.  But how many of them are actually seeking out financial advisors for that information?  Jim Cipriotti talks about the value in turning to professionals to get answers on this episode of Freedom to Retire.

Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 4:00 p.m. ET on WPHT.

For more information and to schedule a complimentary consultation with Jim Cipriotti, visit www.RetireReadyFG.com.

See omnystudio.com/listener for privacy information.

It's important to have emotional detachment when it comes to your financial plan- not just remaining calm through market turmoil, but avoiding falling in love with any particular stock or strategy.  Jim Cipriotti explains on this episode of Freedom to Retire.  

Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 4:00 p.m. ET on WPHT.

For more information and to schedule a complimentary consultation with Jim Cipriotti, visit www.RetireReadyFG.com.

See omnystudio.com/listener for privacy information.

Saving for retirement is obviously a large part of the strategy.  Making that money last is just as important, and Jim Cipriotti discusses the peril of compound losses and the value in guaranteed income on this episode of Freedom to Retire.  

Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 4:00 p.m. ET on WPHT.

For more information and to schedule a complimentary consultation with Jim Cipriotti, visit www.RetireReadyFG.com.

See omnystudio.com/listener for privacy information.

Knowing when to make changes to your retirement plan is a sort of Goldilocks approach: you don’t want to do it every time the market sees a dip, and you certainly don’t want to have the same strategy that you had ten years ago.  Jim Cipriotti discusses how to find the “just right” approach for you on this episode of Freedom to Retire.

Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 4:00 p.m. ET on WPHT.

For more information and to schedule a consultation with Jim Cipriotti, visit www.RetireReadyFG.com.

See omnystudio.com/listener for privacy information.

It was mentioned as a possibility at the end of 2019 in the Secure Act, but the presence of annuities in your 401k options is becoming more and more likely, thanks to current legislation in Washington.  Jim Cipriotti weighs the pros and cons of this potential option on this episode of Freedom to Retire.

Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 4:00 p.m. ET on WPHT.

For more information and to schedule a consultation with Jim Cipriotti, visit www.RetireReadyFG.com.

See omnystudio.com/listener for privacy information.

Withdrawing money from the wrong accounts at the wrong time can cost more than you think. Jim Cipriotti discusses the tax implications you could face, and how that can magnify withdrawal costs if not done properly, on this episode of Freedom to Retire.

Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 4:00 p.m. ET on WPHT.

For more information and to schedule a consultation with Jim Cipriotti, visit www.RetireReadyFG.com.

See omnystudio.com/listener for privacy information.