How does your personality and effect your financial future? Certified Finanical Planner Nancy Fleming and My Smart Retirement will discuss Behavioral Finance, phycology meets conventional economics to explain why people make irrational financial decisions. Find out more about yourself and the financial choices you make on this weeks My Smart Retirement.

You have been loyal... You have worked hard... You have earned your pension... Now you need to know the right way to utilize it. The rules have changed. There has been pension reform. Do you know what to do? Do you take the lump sum option? Tune in to My Smart Retirement with Certified Finanical Planner Nancy Fleming of Fleming Finanical Services and Sinclair Noe as they discuss Pensions. Laws and rules change all the time, know what your options are.

Wherever you decide to save money, there is always a tax rule attached to it. So the question is-do I pay tax before I save---when I make withdrawal—or as I go? Join My Smart Retirement this Satuday morning at 10:00 am, when certified financial planner Nancy Fleming of Fleming Financial services will compare the uses of a couple potentially tax free accounts..

SAVING FOR REIREMENT CAN SEEM LIKE A COMPLICATED PROCESS—THERE ARE MANY PLACES YOU CAN PUT YOUR MONEY. YOU MAY WONDER WHICH WAY TO TURN OR IF YOU ARE MISSING SOMETHNG. YOU KNOW THE BASICS, SET MONEY ASIDE IN A NEST, BUT SHOULD YOU USE AN IRA, THE 401K, ROTH, OR SOMEPLACE ELSE?

Don't miss My Smart Retirement with Certified Financial Planner Nancy Fleming or Fleming Finanical Services. There are only two thing that are garuanteed in life. . . Death and Taxes. What will happen to your estate when you die? Are you prepared? It's not just your money, homes and property. . . It's your legacy and your families future. make sure you have an estate plan.

The good news is out! ! ! We are living longer! BUT with that comes a price. Pensions and annuities have to be paid longer. You need your money to stretch and last a few more years. The laws and regulations have changed as a result of how to help and how to guarantee these incomes you count on. We want you to know about this, join Certified Financial Planner Nancy Fleming for Your Smart Retirement and see how this might impact you!

Remember the old movie "How to Marry A Millionair?" Well, today there are more than 10 million US household worth then $1 million or more. This means you are 3X as likely to run into a millionaire as a school teacher. Are you part of this group? Are you working on becoming a member? Certified Financial Planner Nancy Fleming will delve into what America's millionaires do to get there and stay there. 

Never worry about retirement again!!! Today on the show Certified Financial Planner Nancy Fleming will discuss ways to acheive a stress free retirement. My Smart Retirement is a show dedicated to helping you acheive your goals in retirtment. So join Certified Finanical Planenr Nancy Fleming this and every Saturday morning from 10 to 11 on Money Radio 1510 & 99. 3FM

Social Security. When and how should I start taking it? At 62, 66 or maybe 70? Should I start taking Social Security as soon as I stop working? How do I know what is best for me and my situation? Maybe I should start taking Social Security while I'm still working and save even more for retirement! If these are the kind of questions you're thinking about then you MUST join Money Radio's Sinclair Noe and Certified Finanical Planner Nancy Fleming.

Financial Independence. . . You want it. . . You strive for it. Tune in to My Smart Retirement with Certified Financial Planner Nancy Fleming and Sinclair Noe and get a few tips on how to achieve YOUR Financial Independence. Sinclair and Nancy also discuss, keeping your financial independence by AVOIDING potholes on the road to retirement.