There’s an often-overlooked but potentially very beneficial type of maneuver for retirement-minded people to consider if they currently have assets in a 401(k), 403(b), IRA, Roth IRA, life insurance policy or annuity contract. It’s called a rollover, and this show provides listeners with different rollover maneuvers that, when performed at the right time, the right way and for the right reasons, can put a person’s assets in better position for retirement.

Though we live in a world of do-it-yourselfers, online instruction videos and chat rooms, nothing quite takes the place of face-to-face instruction. Many people work harder and stick to a plan better when someone is physically by their side to guide them. The physical trainer pushes us to complete those one or two more repetitions at the gym. The knitting teacher shows us where we dropped a stitch, and how to pick it back up. And this is true when it comes to working with a finance professional as well. So why are many of us hesitant to engage a professional as guides for our financial lives? Maybe it’s due to a negative perception of them. Maybe it’s due to a lack of time and energy. Maybe it’s just not a top priority.

Interest rates are rising, and many expect they’ll continue to do so. Whether that’s a good thing or a bad thing for a person’s retirement finances depends largely on the measures they take proactively to manage interest rate risk and, where possible, to position their assets to capitalize on rising interest rates. This show provides listeners with suggested steps they can take — with their investments, with their cash and with their retirement accounts — to help mitigate the negative impact of rising interest rates and help maximize the financial positives that higher rates can provide.

New Year’s resolutions can be difficult to keep. So why make the effort to try fulfilling one? Because the benefits of doing so can be game-changing — and financially beneficial, if the resolution has something to do with money. This show provides listeners with a wide range of reasonable, reachable ideas for a money-related New Year’s resolution, some designed to help a person better organize and position their retirement assets and finances, some aimed at helping a person make wiser use of their money, and others designed to help a person fulfill their charitable or philanthropic desires. And they’re all accompanied by suggestions for keeping a resolution once it’s been made.

It seems like Social Security continues to be a hot topic in the news… Headlines that either forecast the worst or paint a picture of uncertainty for what’s to come. You may have worried more than once about how its fate will impact your retirement. Well, if so, this is a show you do not want to miss.

2017 is almost finished! Ruth Rose, CPA Masters In Tax joins David and Brad here to add her knowledge as to things you might be wanting to do before 2017 is finished.

Essential Money Questions to Answer by Epstein & White

You might be setting aside some money in an IRA or 401(k). But as you’re nearing retirement, now what? How do you manage those funds to give them the best chance of lasting as long as you do? With IRAs and 401(k)s, how do you strategically make withdrawals so that the assets last as long as you do? On today’s show we’ll get into ways to help you make the right plan decisions at the right time. Forming an income strategy is made up of moving parts, it’s not a straight line, but it is certainly doable. And worth taking the time so that you can enjoy the retirement you’ve been working and saving for.

But buying into myths and misconceptions related to retirement can lead a person down a perilous path. This show identifies eight widely believed but not exactly accurate myths about retirement finances — myths pertaining to things like Social Security, retirement investing strategy and even the professionals we rely on to provide advice about retirement — then scrutinizes each of them to reveal where they ring true, where they don’t and what listeners can do avoid being victimized by assumptions that are outdated, inapplicable or just downright off-base.

Gone are the days when most working people had a pension income waiting for them once they retired — regular payments that were guaranteed to last as long as people needed them to. This show provides pre-retirees who lack a true pension a series of straightforward steps to build lifetime retirement income for themselves by coordinating a range of different sources, including retirement plan assets, Social Security benefits, money parked in bank accounts, real estate holdings, the equity in their home, even an annuity. So even without an employer-provided pension plan, people still can enter retirement knowing they will have enough income for as long as they need it.