Last Paycheck

In this week's episode of Last Paycheck Podcast, CFP Professional Archie Hoxton and financial advisor Jimmy Sutch tackle one of retirement's biggest questions: Should you take Social Security early? Archie and Jimmy break down the conventional wisdom around delaying benefits and offer fresh insight into five key reasons why claiming early might be right for you.

They explore factors like health, income needs, legacy planning, concerns about Social Security's future, and unique strategies for couples with different benefit amounts. They emphasize that Social Security decisions are highly personal—what works best depends on your financial picture, life expectancy, and priorities. Whether you're planning for retirement or are just curious about maximizing your household benefits, this episode delivers practical tips and a balanced perspective. Don't miss actionable wisdom to help you retire—and stay retired—with confidence.

Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com

Watch on YouTube: https://youtu.be/-JtCvjXooI0

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Welcome to the 100th episode of the Last Paycheck Podcast! CFP Professionals Rob Hoxton and Archie Hoxton celebrate with viewers and dive deep into the crucial topic of long-term care insurance. The hosts share statistics from the U.S. Department of Health and Human Services, revealing that 70% of adults over age 65 will need some form of long-term care.

Rob and Archie break down what long-term care insurance is, identify common trigger points for needing it, and guide listeners through key scenarios where having coverage could be essential—such as having no close family support or wanting to protect a spouse or legacy. They also explain when it might not make financial sense to buy a policy and provide practical steps for evaluating options. If you're concerned about aging, family care, and safeguarding retirement assets, this episode is packed with professional insights and actionable advice.

Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com

Watch on YouTube: https://youtu.be/fs6kcys-oO8

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Have you ever wondered if retiring before 65 or 70 is the right move for you?

In this week's episode of the Last Paycheck Podcast, CFP Professionals Rob Hoxton and Archie Hoxton dive into the hot topic of early retirement. The hosts share five compelling reasons why you should consider hanging up your work boots ahead of schedule, from regaining valuable time and prioritizing your health, to safeguarding your financial future in an ever-changing job market. They also discuss the benefits of phased retirement and the importance of retiring to something, not just from something, to ensure a fulfilling next chapter.

Whether you're dreaming of travel, volunteering, or just enjoying life away from the daily grind, Rob and Archie offer practical wisdom and key planning tips to help you explore if early retirement could be your best decision yet.

Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com

Watch on YouTube: https://youtu.be/yBblbvon8gI

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

In this episode of Last Paycheck Podcast, CFP Professionals Archie Hoxton and Rob Hoxton dive into the important topic of making your retirement truly meaningful. They explore how retirees can find purpose after their final paycheck by shifting focus from work-related achievements to new sources of fulfillment. The discussion covers practical strategies for creating impact in retirement, including giving back through charitable donations, sharing expertise, and making legacy gifts.

Archie and Rob break down smart ways to give, like utilizing Qualified Charitable Distributions, donating appreciated assets, and leveraging donor-advised funds, to maximize both the benefit to charities and tax efficiency. They also touch on planned giving and building a lasting legacy using charitable trusts and other creative vehicles. Tune in for insightful advice on finding purpose, staying engaged, and making your retirement years both rewarding and impactful.

Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com

Watch on YouTube: https://youtu.be/g_mBEK2XeMM

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Welcome to the Last Paycheck Podcast! CFP Professionals Archie Hoxton and Rob Hoxton tackle the vital topic of financial alignment in relationships. Drawing from their experience working with couples, they discuss why communicating about money is essential and how early financial memories can shape each partner's attitudes. They dive into common friction points, such as debt, spending differences, risk tolerance, and financial infidelity, and explore practical ways to overcome these challenges.

They also highlight the importance of both partners participating in financial planning and suggest when to seek help from neutral third parties like financial planners or therapists. Archie and Rob share personal anecdotes to drive home how our experiences influence financial behaviors, and they offer concrete steps to get couples on the same page financially. Tune in for insights and actionable tips to keep money from becoming a barrier in your relationship and help you retire—and stay retired—confidently.

Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com

Watch on YouTube: https://youtu.be/H8pNkP7sq-A

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

In this episode of the Last Paycheck Podcast, CFP Professionals Rob and Archie Hoxton tackle the increasingly popular topic of DIY retirement planning. They explore the advantages of taking a do-it-yourself approach, such as potential cost savings and the satisfaction of managing your own finances. However, the hosts also highlight the pitfalls that many DIY-ers face, including gaps in tax planning, investment management, and the risk of missing out on critical strategies like Roth conversions.

Drawing from real-life examples and years of experience, Rob and Archie illustrate how failing to account for long-term tax impacts can have lasting financial consequences. Whether you're confident in your self-directed plan or wondering if professional advice is worth the investment, this episode provides valuable insight to help you spot blind spots and avoid costly mistakes on your journey to a secure retirement.

Get the book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com

Watch on YouTube: https://youtu.be/LIkqxzIlWkU

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

In this week's episode of the Last Paycheck Podcast, CFP Professionals Rob Hoxton and Archie Hoxton help you "spring clean" your finances. Using the momentum of tax season, they guide listeners through practical steps for getting organized and tackling financial clutter. Rob and Archie break down how to review your spending, manage subscriptions, consolidate accounts, and improve your password security.

They share insights into why keeping too many accounts and unused subscriptions can cost you money and complicate tax time, plus tips for safeguarding against fraud and checking credit reports. The hosts also discuss the importance of regular reviews of your savings rate and investment allocations, especially as life circumstances change. If you want to start the year with greater confidence and peace of mind about your financial future, this episode is packed with actionable advice—and they offer a handy checklist to help you stay on track - email [email protected] to get it in your inbox free!

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com

Watch on YouTube: https://youtu.be/Q4-FnB6pbWM

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

In this episode of the Last Paycheck Podcast, CFP Professional Archie Hoxton and Financial Advisor Jimmy Sutch dive into the topic of early retirement. They debunk the misconception that retiring early shares the same planning approach as traditional retirement. They emphasize the importance of a well-thought-out plan and discuss the substantial challenges that come with retiring young, such as the need for a larger nest egg, a reliable withdrawal strategy, and considerations for healthcare.

Archie and Jimmy also touch upon essential aspects of financial planning like the 4% rule and the intricacies of accessing retirement funds at different ages. Whether you're aspiring to retire at 45 or just exploring early retirement options, this episode offers invaluable insights to help you navigate the complexities and set realistic expectations for a dream retirement earlier than most.

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com

Watch on YouTube: https://youtu.be/qf20oZJYvcE

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

In this episode of Last Paycheck Podcast, CFP Professionals Rob and Archie Hoxton delve into the hot topic of market volatility. As financial markets face fluctuations, they share insights and practical advice for navigating these turbulent times. Highlighting their newly developed Market Volatility Guide (email [email protected] to get it sent to your inbox), they explore common pitfalls like panic selling and chasing fleeting market trends. The hosts emphasize the importance of maintaining a strategic approach, advising listeners to stay the course and focus on essentials like rebalancing and tax-loss harvesting.

They candidly discuss the emotional challenges investors face—with panic and catastrophic thinking being predominant—and highlight how emotional responses, like fear and greed, can derail financial decision-making. They stress the importance of planning ahead and preparing a financial playbook for future market downturns. This engaging discussion aims to equip listeners with both the mindset and tactics to weather financial storms confidently.

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com

Watch on YouTube: https://youtu.be/91aSbK5Dfik

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Welcome to the Last Paycheck Podcast! Today, CFP Professionals Rob and Archie Hoxton discuss the common mistakes to avoid when inheriting money. With a massive generational transfer of wealth underway, it's crucial to prepare for the unique challenges that come with windfalls. They highlight the dangers of treating an inheritance as "found money" and emphasize the importance of having a disciplined financial plan. They also delve into the potential tax consequences and the emotional decisions that can arise.

The episode covers practical advice on how to integrate unexpected funds into your financial plan, the impact on tax obligations, and the importance of updating your estate plan. Additionally, Rob and Archie caution listeners against rushing into decisions and the risk of financial exploitation. Tune in for insightful guidance to ensure your financial future remains secure, even with sudden changes in wealth.

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com

Watch on YouTube: https://youtu.be/KDt7K6P0_1U

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.