Let’s face it, adulting and taking care of all of our finances is hard and no matter how we set things up, things change, and we need to make adjustments. Brad is here today to make it an easy list so you can help do this – because there’s certain things that need to be done by year end and much better to cross them off the list so you can enjoy the holidays and spend all that panic budget of yours on gifts, not financial stuff to remember.

There’s an age-old question, am I on track for retirement?  Well, there’s subjective opinions that are out there and Brad White is here to discuss what we’re talking about being truly on-track for retirement

Some folks who have listened to the show have come in and became clients at Epstein & White and they are still a little puzzled about this thing we call, “financial services." What does this industry do for me or how can you help, and we thought heck, lets unpeel the onion right here on today’s show with Brad White.

We know the presidential election has come and past for 2024, along with all the other elections and there will now be a second President Trump administration.  With the election results now in our rearview mirror, Brad gives us his thoughts on the election and as we move forward. 

The cost-of-living estimate is now out and it’s no longer an estimate.  The government has announced that the Social Security COLA (cost of living adjustment) for 2025 is 2.5%.  It’s an important number for retirees who are on social security, and they want to know that number and Brad shares his thoughts with us on today’s show.

We all hear about Risk Tolerance…what’s your score or maybe you take a quiz online and it shoots out a number and that’s your risk tolerance.  How subjective is that test and how subjective are you in relating to that risk tolerance?  Brad breaks it down for us in today's show.

Well, Brad you wrote kind of a headline to the start of the show and it says, are you averse to feels, but already paying them?  I would say probably 99.9% would be 100% yes, but lets dive into this with Brad White because I think we’re going to have some fun with this on todays show.

In retirement some people think they might not want to live here anymore, although the tough thing about living in California is you don’t get this weather just anywhere in the country so it’s a hard thing to give up, but if family moves across the country and that’s the pull or maybe you just want to expand your horizons and go find another place in the country to live.  There’s a lot to consider and Brad breaks this down for us.

We don’t know how long we’re going to live, which means you don’t know how long you need your money to last.  Because we have no idea about this, that makes it very vulnerable, right?  Brad offers some helpful tips on how to make your money last in retirement.

When it comes to retirement income planning, the stock market should not be your sole focus. We know people have felt some angst here in the last few weeks because of the stock market, but should the stock market affect our retirement?