This conversation delves into the various stages of retirement, emphasizing the importance of proactive planning and understanding the emotional transitions that retirees face. The hosts, Bobby Futch, Tanner Moore, and Tom McDermott discuss the significance of pre-retirement planning, the excitement of the honeymoon phase, the potential disenchantment that can follow, and the importance of finding stability in retirement. They highlight the need for a solid financial plan to navigate these stages successfully and encourage listeners to seek professional guidance to ensure a smooth transition into retirement.

If you have any questions about your retirement planning call

Guardian Investment Advisors 800-517-1575 or click here to visit our website.

Planning, Retiring, Saving, 401K, IRA, TSP, 403B, Taxes

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In this conversation, Garry Thurman and Bobby Futch discuss the positive outlook of retirees, with 72% reporting better-than-expected experiences. They emphasize the importance of multiple income streams, predictable income, and consolidating retirement accounts. The hosts also highlight potential red flags for retirement, such as living paycheck to paycheck, managing debt, and understanding expenses. They stress the need to maximize Social Security benefits and the importance of having a comprehensive retirement plan

f you have any questions about your retirement planning call

Guardian Investment Advisors 800-517-1575 or click here to visit our website.

Planning, Retiring, Saving, 401K, IRA, TSP, 403B, Taxes

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In this conversation, Garry Thurman discusses the critical relationship between health and wealth as individuals approach retirement. He emphasizes the importance of proactive health planning alongside financial strategies to ensure a fulfilling retirement. Garry shares his personal health journey, highlighting the impact of health on financial stability and the necessity of addressing both aspects to avoid the double threat of declining health and uncertain finances. The discussion also touches on the emotional and spiritual dimensions of retirement planning, underscoring the need for a comprehensive approach that includes both health and wealth considerations

If you have any questions about your retirement planning call

Guardian Investment Advisors 800-517-1575 or click here to visit our website.

Planning, Retiring, Saving, 401K, IRA, TSP, 403B, Taxes

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In this episode of 'Plan Today, Own Tomorrow', the hosts discuss the importance of having a financial plan that can withstand economic volatility. They explore the recent losses of major stocks, the significance of P/E ratios, and the necessity of rebalancing investment portfolios. The conversation also highlights the importance of communication between advisors and clients, tax strategies in a low tax environment, and the impact of inflation on retirees' spending habits. 

If you have any questions about your retirement planning call

Guardian Investment Advisors 800-517-1575 or click here to visit our website.

Planning, Retiring, Saving, 401K, IRA, TSP, 403B, Taxes

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On this episode,  Garry Thurman and Bobby Futch discuss the financial habits of the middle class, emphasizing the importance of avoiding common mistakes, understanding the influence of one's environment, and recognizing the energy of money.

If you have any questions about your retirement planning call

Guardian Investment Advisors 800-517-1575 or click here to visit our website.

Planning, Retiring, Saving, 401K, IRA, TSP, 403B, Taxes

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In this episode, Garry Thurman and Bobby Futch discuss the current market challenges faced by pre-retirees, emphasizing the importance of having a solid financial plan. They explore the implications of recent market fluctuations, the necessity of understanding tax impacts on retirement savings, and the critical role of Social Security in retirement planning. The hosts advocate for a proactive approach to financial planning, including the use of a bucket system for investments and the importance of maximizing Social Security benefits.

If you have any questions about your retirement planning call

Guardian Investment Advisors 800-517-1575 or click here to visit our website.

Planning, Retiring, Saving, 401K, IRA, TSP, 403B, Taxes

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In this episode, the hosts discuss the current economic climate, addressing concerns about a potential recession and its implications for retirement planning. They emphasize the importance of reviewing retirement plans, understanding economic indicators, and managing expenses effectively. The conversation also highlights common financial pitfalls, such as high-interest debt and unnecessary insurance costs, while offering practical advice for navigating these challenges as one approaches retirement.

If you have any questions about your retirement planning call

Guardian Investment Advisors 800-517-1575 or click here to visit our website.

Planning, Retiring, Saving, 401K, IRA, TSP, 403B, Taxes

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In this episode of Plan Today, Own Tomorrow, the hosts discuss the significant changes in tax legislation and their implications for retirement planning. They explore the potential impact of proposed tax changes, including the elimination of taxes on Social Security and the importance of considering Roth conversions as a strategic financial tool. The conversation also delves into the concept of a 'tax hangover' that retirees may face, emphasizing the need for proactive tax planning to avoid unexpected financial burdens. The episode concludes with a transition to income planning, highlighting the importance of preparing for future financial needs.

If you have any questions about your retirement planning call

Guardian Investment Advisors 800-517-1575 or click here to visit our website.

Planning, Retiring, Saving, 401K, IRA, TSP, 403B, Taxes

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This episode of Plan Today own Tomorrow, the hosts discuss the importance of having a flexible retirement plan that can adapt to life's unexpected challenges, referred to as 'curveballs.' They emphasize the need for financial stability, healthcare planning, tax strategies, and estate planning to ensure a secure retirement. The discussion includes practical advice on how to prepare for these challenges and the significance of having a comprehensive income plan.

If you have any questions about your retirement planning call

Guardian Investment Advisors 800-517-1575 or click here to visit our website.

Planning, Retiring, Saving, 401K, IRA, TSP, 403B, Taxes

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The Revenue Act of 1978 changed the landscape of retirement in the US forever. With 401k planning, 403 planning, you made a deal with Uncle Sam, I'm not gonna pay you now, I'm gonna pay you later. We're gonna talk about that today on Plan Today, Own Tomorrow.

If you have any questions about your retirement planning call

Guardian Investment Advisors 800-517-1575 or click here to visit our website.

Planning, Retiring, Saving, 401K, IRA, TSP, 403B, Taxes

See omnystudio.com/listener for privacy information.