Even if she wasn’t directly talking about money, Grandma said a lot of smart things that we can apply to financial planning. Let’s take some classic Grandma sayings and see how they relate to our financial lives.

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When saving for retirement, it is important to know what types of accounts you are saving in and if they are the most effective ones to help you reach your goals. On thie episode, we discuss what the different types of accounts are, what they are effective at, and why this is an important consideration for you retirement plan.

YouTube Video: https://www.youtube.com/watch?v=PjbDzQT6f60&t=99s

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Social Security is one of the main pillars of retirement planning. However, many people do not realize how their benefit gets calculated. You need to have a plan when it comes to taking your Social Security and know how it will fit into your overall retirement picture.

Social Security Login: https://www.ssa.gov/myaccount/

9 Questions To Ask Episode: https://nickdavis.libsyn.com/ep-30-9-questions-to-ask-before-taking-social-security

How Work Affects Your Benefits: https://www.ssa.gov/pubs/EN-05-10069.pdf

Your Retirement Benefit: How It's Figured: https://www.ssa.gov/pubs/EN-05-10070.pdf

How To Correct Your Social Security Earnings Record: https://www.ssa.gov/pubs/EN-05-10081.pdf

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There are plenty of decisions that you’ll make in the retirement planning process that can’t be undone, so you want to make sure that you make the right call. On this episode, we’ll explain why these decisions are so important and can’t be undone.

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One of the biggest challenges when planning for retirement is figuring out a stategy that will allow you to turn your nest egg into income. There are 2 main methods financial planners use to achieve this goal. We will be discussing both of these methods and the variations that you may come across on this episode.

Michael Kitces Article: https://www.kitces.com/blog/even-safety-first-retirement-income-strategies-are-probability-based-the-real-distinction-is-risk-transfer-vs-risk-retention/

Wade Pfau Article: https://knowledge.wharton.upenn.edu/article/what-will-you-need-to-retire-with-safety-and-security-lanning/

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Social Security is one of the most complex retirement planning topics. There are multiple ways to file, everyone will receive a different amount, and there is a lot of misinformation about this topic. If you make a mistake, it can be very costly, which is why Nick and Tori will address a few social security considerations you should make on the podcast today.

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Social Security can be one of the most confusing aspects of retirement planning. There are countless claiming strategies and it can be difficult to know which ones can be advantageous for your situation. We will discuss if you should work and take Social Security and when it might make sense to utilize this strategy.

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There are a lot of considerations when making the decision to retire early. Many people just want to work to a certain age, or dollar amount to make them feel better about their retirement. However, if this opportunity has presented itself to you, you may want to act on it. Even if it's a little sooner than you had originally anticipated.

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We invite a special guest on the show Tori Ten Hagen. Tori currently serves as a Resident Financial Planner on the Brindle and Bay team and is working towards getting her CFP. On this show, we will be discussing if it's a good idea to have 3 years worth of cash when you are in retirement. Since the market is down, many people are worried about losing their money and many believe having a good portion of their portfolio in cash is the only option. We will also be discussing sequence of returns risk and how this can greatly impact your retirement if not planned properly.

Michael Kitces Article: https://bit.ly/3zehxv6

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Rising interest rates and inflation are two topics that are a big concern right now in the financial landscape. We thought this would be a great time to go over these big topics and also discuss what concerns our members have brought up in regards to these subjects as well.

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