In this week's episode of the Love Your Retirement show, host Heidi Ardis, founder and CEO of Agape Wealth, delves into essential aspects of retirement planning. Heidi emphasizes the importance of preparing for unforeseeable expenses, highlighting how healthcare costs can unexpectedly burden families and individuals. She shares personal anecdotes, expressing her frustration with the skyrocketing medical expenses, and underscores the necessity for strategic planning to safeguard against financial distress. The discussion also touches on the Secure Act, which impacts legacy planning by altering how retirement funds are inherited, thus necessitating early and comprehensive estate planning.

The episode further explores the challenges of navigating volatile markets and the potential pitfalls of emotional decision-making in investing. The show highlights the significance of utilizing experts for planning and estate management and reinforces the sentiments that a proactive approach in retirement planning is crucial and can mitigate risks associated with healthcare, market volatility, and taxation.


For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/

In this week's episode of "Love Your Retirement," Heidi Ardis, CEO of Agape Wealth, discussed strategies for retirement planning. The show emphasized the personalized care and dedication Agape Wealth offers, beginning with vital considerations like income sources once paychecks cease, tax strategies, and whether to move funds into the Roth world to potentially avoid higher taxes later. Elliott also highlighted the importance of having a financial plan. The conversation turned to national financial issues, as Ardis offered insights on the escalating national debt, its historical growth, and the implications it holds for individuals, particularly regarding Social Security and Medicare.

Ardis also reflected on the shifting phases of retirement: the "go-go" years of active travel and spending, the "slow-go" years with reduced activities, and the "no-go" years dominated by healthcare needs. She reiterated that personalized planning is crucial, especially in unpredictable markets and rising national debt scenarios. Ardis urged listeners to work with financial planners who thoroughly understand both local dynamics and personal aspirations, stressing that it's never too early or too late to develop a data-driven plan for retirement.


For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/

In this week's "Love Your Retirement" show, Heidi Ardis, CEO of Agape Wealth, talks about crucial aspects of retirement planning. They explore the intricacies of developing a retirement blueprint that encompasses income, investments, tax strategies, healthcare, and legacy planning. The episode emphasizes the importance of creating a personalized plan that reflects the highest form of care and dedication, which is the essence of Agape Wealth's approach. Heidi highlights the importance of addressing specific retirement challenges faced by women, given their typically longer life spans and different financial scenarios, such as reliance on spousal pensions and social security.

Additionally, the show touches upon broader economic topics, including the Federal Reserve's decisions on interest rates and their implications on the economy. The hosts discuss the intertwined nature of politics and monetary policy, evaluating how changes can impact retirees' financial landscapes. With insightful discussions on Social Security implications, especially for those relying heavily on it, the episode aims to equip listeners with the knowledge needed to navigate retirement uncertainties.


For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/

In this week's episode of "Love Your Retirement," Heidi Ardis, the founder and CEO of Agape Wealth, dives into the intricacies of retirement planning. They emphasize the importance of having a solid retirement plan, discussing key aspects like legacy planning, income strategies, and tax considerations. The episode also features Heidi's recent experience at the New York Stock Exchange, where she reflected on the current economic landscape and shared insights from a talk by Maria Bartiromo of Fox Business.

As the show progresses, Heidi and Mark discuss the "Four Retirement Unknowns" – longevity, healthcare costs, market performance, and future tax implications. The conversation highlights how essential it is to anticipate these uncertainties and plan accordingly to ensure financial well-being throughout retirement. They urge listeners to be proactive and seek expert guidance.


For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/

In this week's episode of the Love Your Retirement Show, Heidi Ardis, founder and CEO of Agape Wealth, delves into the nuances of retirement planning and the implications of a recent legislative bill (The Big Beautiful Bill) on various aspects such as taxes, legacy planning, and income strategies. The show highlights how Agape Wealth offers support and guidance for those nearing or in retirement, focusing on the changes in tax brackets and social deductions, particularly for seniors and middle-class Americans.

Heidi also explores common retirement phases—honeymoon, settling, and care—with a focus on their distinct financial requirements. Heidi discusses how essential it is to craft a plan that accommodates these stages to mitigate the financial unpredictability of medical costs and lifestyle shifts in later years. Leveraging a comprehensive approach to retirement planning, the show promotes the idea that preparation and informed decision-making are crucial for enjoying a comfortable retirement.


For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/

On this week's episode of Love Your Retirement, host Heidi Ardis, founder and CEO of Agape Wealth, gets into retirement planning, addressing the primary concerns of retirees and pre-retirees, such as planning for financial stability, managing inflation, and mitigating market volatility. Heidi shares her expertise in helping clients navigate complex financial landscapes by crafting personalized retirement blueprints that consider inflation forecasts, spending habits, and the transition from wealth accumulation to distribution. The show aims to empower listeners to handle uncertainties by offering insights on financial stressors, retirement strategies, and the need for comprehensive planning to ensure long-term security.

Throughout the dialogue, Heidi emphasizes the importance of having a strategic plan in place to counter the fear of an unstable financial future. She highlights how stress testing and a thorough examination of portfolios can help retirees foresee potential economic challenges and adapt proactively. Moreover, the conversation touches on personal anecdotes and how life events can influence financial planning, underscoring the necessity of preparing for unexpected circumstances, like health issues.


For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/

This week's episode of the Love Your Retirement Show dives deep into the nuances of retirement planning with Heidi Ardis, founder and CEO of Agape Wealth.  Amid the market volatility caused by political shifts and global events, Heidi stresses the importance of a long-term strategy over reactionary changes, underscoring that financial stability requires a comprehensive view and adaptive portfolio management tailored to individual needs.

The show also touches on legacy and estate planning, highlighting common pitfalls and emphasizing the need for proper legal documentation. Heidi articulates the significance of ensuring that one's financial and healthcare directives are meticulously planned to avoid unnecessary burdens on family members. Through engaging anecdotes and practical advice, listeners are encouraged to take proactive steps in securing their financial future, whether it's optimizing tax-advantaged accounts, reassessing spending habits, or seeking professional guidance.


For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/

In this week's episode of the "Love Your Retirement Show," Heidi Ardis, founder and CEO of Agape Wealth, delves into the complexities of retirement planning, focusing on the pervasive fear of outliving one's savings. Heidi emphasizes the importance of devising a comprehensive income distribution plan tailored to individual needs. She explores key challenges such as inflation, longevity, and healthcare costs, which are essential components of Agape Wealth's retirement blueprint. Heidi also highlights the role of a third-party advisor in alleviating concerns and ensuring a stable financial future, fostering confidence among retirees through meticulous planning and regular reassessments.

The show also addresses other uncertainties that retirees might face, including the fluctuation of market performance and future tax implications. Heidi discusses strategies to mitigate risks, including the importance of diversifying portfolios and considering tax-free buckets. She further elaborates on options for long-term care and the impact of government policies on retirement savings. The episode emphasizes the value of having a reliable advisory team to navigate these uncertainties, inviting listeners to explore personalized retirement planning with Agape Wealth.


For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/

The radio show "Love Your Retirement," hosted by Heidi Ardis, founder and CEO of Agape Wealth, delves into comprehensive retirement planning. Heidi articulates the importance of creating a solid income strategy to replace lost paychecks post-retirement. She emphasizes that this strategy must be personalized, reflecting each individual's unique financial circumstances, desires, and risks. Additionally, Heidi's team addresses crucial aspects such as tax efficiency, healthcare planning, and legacy considerations within their holistic retirement planning framework.

Another key aspect of the show is discussing the potential pitfalls when planning for retirement, particularly the need to avoid five common mistakes. These include underestimating healthcare costs, failing to diversify investments, accessing retirement savings too early, not establishing a clear budget, and lacking a strategic income plan. The show provides listeners with insights into how minor strategic adjustments—such as 401(k) management, tax planning, and integrating insurance products for risk mitigation—can significantly impact their long-term financial security.


For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/

The "Love Your Retirement Show" hosted by Heidi Ardis primarily focuses on retirement planning, emphasizing the importance of creating a reliable retirement blueprint. The show discusses the three (and really five) pillars crucial to retirement success: income, investment, taxes, healthcare, and legacy planning. It provides insights into how these pillars are interconnected and necessary for building a strong foundation for retirees. The program advises against short-term market reactions, encouraging a long-term investment strategy and offering guidance on transitioning from working years to retirement years with a focus on sustainable income planning.

Additionally, the show emphasizes the personalized approach of Agape Wealth, highlighting how they tailor retirement plans to the individual needs and goals of each client. The discussions stress the importance of proactive tax planning, social security decisions, and the need for a long-term relationship with financial advisors.


For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/