When you retire, there are surprising things you’ll wish you knew beforehand. Unlike social security, IRAs, or Medicare, most people don’t often plan for the emotional and personal matters of retirement.

James discusses the five things people often regret not understanding before retirement. 

Questions Answered:
What do people regret not knowing before retirement?
How can you avoid those mistakes?

Timestamps:
0:00 Intro
3:20 Regret one
5:54 Regret two
7:42 Regret three
9:14 Regret four
11:34 Regret five
13:45 Summary
14:30 Outro

Create Your Custom Strategy ⬇️

Get Started Here.

Join the new Root Collective HERE!

James discusses a listener’s question about what to do with stock positions and single stock positions, explaining the pros and cons of holding a concentrated stock position. 

He highlights the importance of understanding tax implications and assessing your ability to handle financial and emotional implications.

Questions Answered:
What should you do when you have a large concentrated stock position from an investment perspective?
How do you exit and diversify your position?

Timestamps:
0:00 intro
3:59 Single concentrated stock positions
4:47 The role of taxes
7:07 What’s the biggest risk?
7:52 Two examples
12:10 Takeaway
12:30 Other considerations
15:35 JP Morgan study
20:13 Here’s what I’ve noticed…
21:46 Understanding risk
24:16 What would I look at?
25:52 Outro

Create Your Custom Strategy ⬇️

Get Started Here.

Join the new Root Collective HERE!

James debunks six popular rules of thumb that can actually do more harm than good when it comes to retirement planning. 

From the 100-minus-your-age stock allocation rule to the 70% to 80% income replacement myth, James breaks down why rules like these can be counterproductive and suggests alternative strategies that will help you create a personalized financial plan that meets your unique needs and goals. 

Questions Answered:
Which rules of thumb should not be universally applied?
What can you do instead?

Timestamps:
0:00 Introduction
2:36 The First Rule
5:57 The Second Rule
9:04 The Third Rule
11:48 The Fourth Rule
14:04 The Fifth Rule 
18:08 The Sixth Rule
20:09 How to Measure Risk
22:02 Outro

Create Your Custom Strategy ⬇️

Get Started Here.

Join the new Root Collective HERE!

In this episode, James tackles a listener’s question about investing a lump sum for his upcoming retirement. 

James analyzes one's situation and gives realistic insights on determining the right mix of stable and growth assets that will generate a rising income stream for the rest of your life. 

Tune in for tips on how to secure a comfortable retirement using a real-life example.

Questions Answered:
Should I invest lump sump sum or dollar cost average approach?
How do I invest a lump sum once I receive the funds?
What other planning points should I be aware of?

Time stamps
0:00 Intro
0:45 Listener Question
2:55 Summarizing
4:10 Will You Be Okay?
7:10 Make Sure That Number is Accurate
8:20 4% Rule
9:53 Guyton-Klinger Rule
10:53 Two Things to Note
13:30 You Need Income to Live on
15:15 Part 2 of the Question: How to Invest the Lump Sum
18:10 Dollar Cost Averaging
21:06 Using An Example
23:40 The Principle Is This
27:00 Properly Addressing Risk
28:50 Most People Do This…
30:25 Back to the Listener Question
31:00 Summary
32:20 Outro

Create Your Custom Strategy ⬇️

Get Started Here.

Join the new Root Collective HERE!

Oftentimes we make decisions about our portfolios based on what we think is the smartest move. Yet when we do that, we can lose sight of the bigger picture. 

In this episode, we’ll discuss how the context in which you view your portfolio can steer your financial decisions for years to come.


Questions answered:
What’s the difference between financial strategy and financial tactics?
What are the key pitfalls to avoid?

Time stamps
0:00 Intro
1:15 Losing focus on the bigger strategy
2:40 Example of focusing too much on tactics
6:40 Your tactics would be…
7:45 Why Roth conversions aren’t always the right choice
8:50 Example of winning the battle but losing the war
11:00 Make sure you’re prioritizing strategy
11:20 Summary
11:54 Outro

Create Your Custom Strategy ⬇️

Get Started Here.

Join the new Root Collective HERE!

You might be missing something if you're focusing only on your initial withdrawal rate...

...on today's episode, we'll cover what you might be missing, and how you can maximize your portfolio withdrawal strategy.


Questions answered:
What is the 4% rule and how does it apply to me?
How should staggered income and expenses alter your withdrawal strategy?

Time stamps
0:00 Intro
2:15 What is the 4% rule?
4:00 Example of staggered income or expenses
9:13 You might be limiting your withdrawals
12:20 Staggered income and expenses
13:15 Example of staggered income and expenses
18:20 Looking at your portfolio differently
19:09 Summary
21:30 Conclusion
22:38 Outro

Create Your Custom Strategy ⬇️

Get Started Here.

Join the new Root Collective HERE!

In this episode of Ready for Retirement, James discusses how 4 reasons to NOT do a Roth Conversion.

Questions Answered: 

• How to think through whether a Roth Conversion makes sense for you
• Understanding how to implement effective Roth Conversions 
• How can your overall retirement strategy be improved?

Timestamps:
00:00 - Introduction 
2:13 - Example
4:25 - Plan for Conversions
7:22 - Age / Life Expectancy
10:19 - Not ONLY A Dollar Amount
12:49 - RMDs
14:58 - RMD Example
17:02 - RMD Issue
19:00 - Working With Us

Check out all of our podcast episodes and more on our YouTube channel here!

LET'S CONNECT!

• Facebook
• LinkedIn
• Website

ENJOY THE SHOW?

Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play

Create Your Custom Strategy ⬇️

Get Started Here.

Join the new Root Collective HERE!

In this episode of Ready for Retirement, James discusses how to protect your most important financial assets.

Questions Answered: 

• How should you think about protecting your most important financial assets?
• Understanding how to protect what's most important (your TIME)
• How can your overall retirement strategy be improved?

Timestamps:
00:00 - Introduction 
2:13 - Downsides To Continuing Work
4:25 - Savings/Bonuses
6:55 - Financial/Personal
8:50 - Wages
12:03 - Financially Ready
14:58 - How Much?!
16:33 - TIME
17:02 - Working With Us

Check out all of our podcast episodes and more on our YouTube channel here!

LET'S CONNECT!

• Facebook
• LinkedIn
• Website

ENJOY THE SHOW?

Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play

Create Your Custom Strategy ⬇️

Get Started Here.

Join the new Root Collective HERE!

In this episode of Ready for Retirement, James discusses how to protect your most important financial assets.

Questions Answered: 

• How should you think about protecting your most important financial assets?
• Understanding how to protect what's most important
• How can your overall retirement strategy be improved?

Timestamps:
00:00 - Introduction 
1:30 - Income
3:25 - Compounding
5:04 - Take-Home Pay
8:50 - Wage Increases
10:03 - 1% Better
13:58 - How Much?!
16:33 - Summary of What's In Your Control
19:35 - Working With Us

Check out all of our podcast episodes and more on our YouTube channel here!

LET'S CONNECT!

• Facebook
• LinkedIn
• Website

ENJOY THE SHOW?

Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play

Create Your Custom Strategy ⬇️

Get Started Here.

Join the new Root Collective HERE!

In this episode of Ready for Retirement, James discusses umbrella insurance coverage and how much you need.

Questions Answered: 

• How should I think about an Umbrella Insurance Policy (how much)?
• Understanding how much defense (risk management) is needed
• How can your overall retirement strategy be improved?

Timestamps:
00:00 - Introduction 
2:30 - Umbrella Insurance 101
3:25 - Home/Auto Policies
5:04 - Insurance Policies Examples
8:50 - Net Worth Value
10:03 - State Exemptions
13:58 - How Much?!
16:33 - Two Examples
19:05 - Working With Us

Check out all of our podcast episodes and more on our YouTube channel here!

LET'S CONNECT!

• Facebook
• LinkedIn
• Website

ENJOY THE SHOW?

Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play

Create Your Custom Strategy ⬇️

Get Started Here.

Join the new Root Collective HERE!