Protect & Grow

Join Tim Stearns, CFP®, as he discusses the two keywords that define finance: spending and income. Tim defines how income can sustain you before retirement, is your biggest wealth-building tool, and is essential to plan out once in retirement. He also discusses the importance of managing spending, whether during retirement or before, emphasizing the difference between living within your means and overspending. Tune in and enjoy another insightful episode of 'Protect and Grow' with Tim Stearns, CFP®, owner of TjStearns, INC. For more information, contact Tim Stearns, CFP®, at (800) 868-1194 or visit our website at https://www.tjstearns.com/.

Retiring in 2025 comes with unique challenges and opportunities. In this video, we explore five important factors to keep in mind as you prepare for this milestone. From navigating market conditions to managing Social Security and retirement accounts, we'll provide insights to help you make well-informed choices. Whether you're finalizing your plans or just getting started, understanding these key points can make a difference in your retirement journey. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com

Retirement planning involves more than just numbers. In this video, we discuss two key questions that can help you evaluate your readiness for retirement. These questions focus on understanding your goals and priorities to ensure you're making informed decisions about this major life transition. Whether retirement is on the horizon or further down the road, these insights can provide clarity as you plan your next steps. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com

Retirement comes with its own set of significant expenses that can impact your savings. This episode takes a closer look at the biggest costs retirees typically face, including healthcare, housing, and taxes. By understanding where your money might go, you can make more informed decisions and better manage your finances during this stage of life. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com.

Understanding how to manage your finances in retirement is crucial. In this video, we explore the basics of building a retirement spending plan, covering key considerations like essential expenses, unexpected costs, and maintaining your desired lifestyle. Whether you're just starting to think about retirement or are already there, this guide offers insights to help you navigate your financial future. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com.

As the year wraps up, it's time to take a closer look at your retirement plan and consider adjustments that could impact your financial future. In this episode, we'll explore essential steps for end-of-year retirement prep, including tax implications, investment rebalancing, and contribution strategies. We'll also touch on how current market trends and inflation might influence your retirement savings. This guide is here to help you navigate year-end planning with a clearer perspective, whether you're approaching retirement or still building your nest egg. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com.

Unlock the secrets to maximizing your retirement savings with our comprehensive guide to your 401(k)! Discover why employer-sponsored plans like the 401(k) are vital tools for securing your financial future. From the convenience of automatic contributions to the allure of employer matches, we explore every aspect of your retirement plan. Learn how to navigate tax-deferral options, seize control of your investments with in-service distributions, and avoid common pitfalls like leaving old 401(k)s behind. Plus, get expert insights on target date funds, managing risk, and understanding contribution limits and fees. Don't miss out on this opportunity to optimize your retirement strategy! Call now to get your personalized plan and take charge of your financial future in 2024 and beyond! For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.

Curious about the biggest costs that retirees face? In this video, we break down three major expenses that often catch people off guard in retirement. From healthcare to housing, learn how these factors can affect your budget and what to keep in mind as you plan for the years ahead. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com.

In this episode, we dive into 10 essential strategies for maximizing your Social Security benefits. Whether you're approaching retirement or already there, understanding the best timing for your claim, managing tax implications, and knowing how to coordinate with other income sources can make a big difference. We'll discuss when to claim, tips for increasing your monthly benefit, and ways to minimize taxes on Social Security income. Tune in for a comprehensive guide that can help you get the most out of the benefits you've earned over a lifetime of work! For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com.

This episode covers five common mistakes people make in retirement planning, from budgeting issues to tax missteps. Understanding these can help bring clarity to the retirement planning process. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com.