Retire With Freedom: Featuring Freedom Financial Group's Toni, Tyler & Tad Hill

Neither Freedom Financial Group nor AEWM are affiliated with David Bach.

Welcome back to the Retire With Freedom podcast! Today, we are excited to be joined by David Bach, one of America’s most trusted financial experts and 10x New York Times best-selling authors. David has influenced millions through his books, media appearances, podcast, and seminars, offering strategies for living and finishing rich. He joins us on the podcast to discuss the key components of a comprehensive financial strategy as well as taking a holistic approach to wealth management.

Tune in as David discusses aligning investment strategies with your risk tolerance and financial goals and advocates for a well-diversified asset allocation strategy. He talks about the importance of regularly reviewing and rebalancing your plan, along with estate planning and insurance considerations. To wrap up this episode, David shares his insights on what to look for in a financial advisor, prioritizing trust, verifying credentials, and seeking a holistic approach.

Here is some of what we’ll discuss in today’s show:

• The key components of good financial strategy. (0:23)
• Estate planning is a critical component of an investment plan. (3:39) 
• What should you look for in a financial advisor? (7:13)

 Resources:

✨ We can assist you on your journey to financial freedom: https://www.askfreedomfinancial.com/

📞 Phone: 205.988.0006

📅 Schedule a Discovery Call: https://askfreedomfinancial.com/contact/?utm_source=Hero

🎓Attend a Course: https://askfreedomfinancial.com/attend-an-event/?utm_source=Hero

 🎥Watch the Podcast on YouTube: https://www.youtube.com/playlist?list=PLEcHKcOSu6_m7cG9adV8xHTXLtH5g9M9t

Transitioning into retirement is more than just stopping work; it's about entering a new phase in your life that's likely to last a third of your lifespan. This transition isn't just about surviving on your savings but about living your best life post-work. This episode will guide you on how to ensure you have enough money to support your lifestyle, the importance of having an emergency fund, and how to generate income that outpaces inflation and healthcare costs. 

Join us as we highlight the need for a comprehensive retirement plan that addresses factors like rising healthcare costs, market volatility, taxes, and unexpected expenses. We’ll also talk about the importance of not relying solely on a single stock’s income and having a financial professional to help guide your choices. Tune in and start your journey toward a secure and enjoyable retirement.

Here is some of what we’ll discuss in today’s show:

• How are you going to generate income and make it last in retirement? (0:23)
• The difference between accumulation vs. deaccumulation. (2:58) 
• Relying solely on the stock market to generate income is risky. (6:28)

 Resources:

✨ We can assist you on your journey to financial freedom: https://www.askfreedomfinancial.com/

📞 Phone: 205.988.0006

📅 Schedule a Discovery Call: https://askfreedomfinancial.com/contact/?utm_source=Hero

🎓Attend a Course: https://askfreedomfinancial.com/attend-an-event/?utm_source=Hero

 🎥Watch the Podcast on YouTube: https://www.youtube.com/playlist?list=PLEcHKcOSu6_m7cG9adV8xHTXLtH5g9M9t

Welcome back to the Retire with Freedom podcast! Today, Tad and Toni are breaking down the tax law changes that have come with the new SECURE Act. From required minimum distributions (RMD) to catch-up contributions changes, they break down the key aspects you need to know for a successful retirement. 

Discover how the RMD age requirement and catch-up contribution limits have changed, how these laws are positively impacting overfunded 529 plans, and some benefits for those managing student loan payments. They’ll also discuss an exciting change for catch-up contributions starting in 2025. To wrap up this episode, Tad and Toni will tackle a fun get-to-know-you question.


Here is some of what we’ll discuss in today’s show:

• There have been changes to the RMD age for tax-deferred retirement accounts. (0:23)
• There have been changes to the catch-up contribution limits for 401(k)s + you can now transfer excess funds from 529 plans to tax-free Roth IRAs. (2:22) 
• In 2025, catch-up contributions are going from $7,500 to $10,000 if you're between the ages of 60 and 63. (6:12)
• Something personal: If you want to give up, what keeps you going? (7:12)

 Resources:

✨ We can assist you on your journey to financial freedom: https://www.askfreedomfinancial.com/

📞 Phone: 205.988.0006

📅 Schedule a Discovery Call: https://askfreedomfinancial.com/contact/?utm_source=Hero

🎓Attend a Course: https://askfreedomfinancial.com/attend-an-event/?utm_source=Hero

 🎥Watch the Podcast on YouTube: https://www.youtube.com/playlist?list=PLEcHKcOSu6_m7cG9adV8xHTXLtH5g9M9t

Neither AEWM nor advisors providing investment advisory services through AEWM recommend or facilitate the buying or selling of cryptocurrencies. 1880260- 7/23.

The phrase “knowing what we know now” is mostly worthless, because OF COURSE we’d do some things differently if we could see the future. But since we can’t see the future, we can at least learn from other people when they’re looking in the rear-view mirror wishing they’d done things differently with their finances. Let’s talk about some situations where folks probably wish they’d made different decisions…

Join us as we talk about the danger of investing emotionally without a strategic plan in place, optimizing your Social Security benefits, and adequately planning before you decide to retire. We’ll discuss the importance of having a comprehensive and intelligent financial strategy and making decisions based on your individual circumstances rather than relying on hearsay or following others' choices blindly. Tune in as we shed light on the importance of foresight and making informed financial decisions to achieve a secure and comfortable retirement!

Here is some of what we’ll discuss in today’s show:

• Being “all in” or “all out” depending on the stock market + the impact of not having a strategic financial plan. (1:04)
• Getting the most out of Social Security by understanding your options.  (3:22) 
• Starting to plan for retirement 5-10 years prior to make sure you're ready. (10:06)

 Resources:

✨ We can assist you on your journey to financial freedom: https://www.askfreedomfinancial.com/

📞 Phone: 205.988.0006

📅 Schedule a Discovery Call: https://askfreedomfinancial.com/contact/?utm_source=Hero

🎓Attend a Course: https://askfreedomfinancial.com/attend-an-event/?utm_source=Hero

 🎥Watch the Podcast on YouTube: https://www.youtube.com/playlist?list=PLEcHKcOSu6_m7cG9adV8xHTXLtH5g9M9t

Welcome back to the Retire with Freedom podcast! In today’s financial landscape, the need for intelligent design in retirement planning is critical. In this episode, we challenge some outdated retirement approaches and debunk some common misconceptions to help you gain a better understanding of the financial strategies necessary for financial success. 

Tune in as we discuss the drawbacks of shifting investments from stocks to bonds and explore alternatives to 401(k) plans. We’ll also discuss the benefits of rolling a 401(k) into an IRA and address the need for careful income generation during retirement, cautioning against unsustainable withdrawal rates. Tune in to learn about building income-heavy portfolios and gaining control over your retirement. Don't miss out on valuable insights to achieve financial freedom and retire with confidence!

Here is some of what we’ll discuss in today’s show:

• Outdated rule: As you near retirement, you should move from stocks to bonds. (0:23)
• Relying solely on a diversified portfolio of stocks and bonds for retirement income without considering downside risk and withdrawal rates can potentially lead to retirement ruin. (5:29) 
• Three approaches for generating retirement income. (8:35)

 Resources:

✨ We can assist you on your journey to financial freedom: https://www.askfreedomfinancial.com/

📞 Phone: 205.988.0006

📅 Schedule a Discovery Call: https://askfreedomfinancial.com/contact/?utm_source=Hero

🎓Attend a Course: https://askfreedomfinancial.com/attend-an-event/?utm_source=Hero

 🎥Watch the Podcast on YouTube: https://www.youtube.com/playlist?list=PLEcHKcOSu6_m7cG9adV8xHTXLtH5g9M9t

In today’s episode, Tad and Toni tackle some common retirement planning catastrophes and share some insightful strategies for achieving financial security. From poor assumptions and inadequate planning to the lack of a retirement income strategy, there are many retirement planning pitfalls that you could fall into if you aren’t careful. Tune in for a discussion about adapting to market corrections, protecting your legacy from healthcare expenses, and actively participating in your retirement planning journey.

Tad will also share details about some Freedom Financial planning courses that you can attend this summer to help you feel more confident about reaching your retirement goals. Then, Tad and Toni will dive into some fun get-to-know-you questions. Join us for a good laugh as your hosts share the meaning behind their childhood nicknames.

Here is some of what we’ll discuss in today’s show:

• Financial planning with a professional is an eye-opening experience. (1:38)
• Pausing your financial planning when the market is down. (3:22) 
• The danger of not planning for long-term care expenses. (7:09)
• Something personal: Tad’s nickname + family background. (8:25)
• Something personal: Toni’s childhood nickname. (11:44)

Attend an Event: https://www.askfreedomfinancial.com/attend-an-event/

 Resources:

✨ We can assist you on your journey to financial freedom: https://www.askfreedomfinancial.com/

📞 Phone: 205.988.0006

📅 Schedule a Discovery Call: https://askfreedomfinancial.com/contact/?utm_source=Hero

🎓Attend a Course: https://askfreedomfinancial.com/attend-an-event/?utm_source=Hero

 🎥Watch the Podcast on YouTube: https://www.youtube.com/playlist?list=PLEcHKcOSu6_m7cG9adV8xHTXLtH5g9M9t

In this episode, we dive into some critical aspects of managing your 401(k) and other retirement assets. As we discuss the importance of making informed decisions, we’ll reveal little-known strategies that can significantly impact your financial future.

Stay tuned to learn about the benefits of rolling over your 401(k) into an IRA, providing more control and investment options. Learn how neglecting old 401(k) accounts can be a costly mistake and uncover the advantages of consolidating them for easier management.
 
We’ll also discuss the risks involved with making uninformed Social Security claiming decisions and reveal smart strategies for maximizing your benefits. We’ll wrap up this episode by exploring the risks of investing pension funds in the unpredictable stock market and talk about alternative options that provide a reliable, guaranteed income for life.

Don't miss out on this enlightening episode that will empower you to make the most of your retirement assets!


Here is some of what we’ll discuss in today’s show:

• Some things you should be thinking about when it comes to your 401(k). (0:23)
• The danger of not having a strategy for taking Social Security. (5:23) 
• People often make bad decisions around their pensions. (8:04)

 Resources:

✨ We can assist you on your journey to financial freedom: https://www.askfreedomfinancial.com/

📞 Phone: 205.988.0006

📅 Schedule a Discovery Call: https://askfreedomfinancial.com/contact/?utm_source=Hero

🎓Attend a Course: https://askfreedomfinancial.com/attend-an-event/?utm_source=Hero

 🎥Watch the Podcast on YouTube: https://www.youtube.com/playlist?list=PLEcHKcOSu6_m7cG9adV8xHTXLtH5g9M9t

Neither Freedom Financial Group nor AEWM are affiliated with Brodie Croyle or Big Oak Ranch.

Today we are joined by Brodie Croyle, president and CEO of Big Oak Ranch in Birmingham, Alabama. Big Oak Ranch is a ministry focused on providing a loving, Christian home for abused and neglected children, giving them a chance to thrive, grow, and fulfill their potential. Initially starting with a single farmhouse serving five boys, Big Oak Ranch has grown over the years and now consists of seven ministry teams dedicated to improving the standard of care for children.

In this episode, Brodie emphasizes the importance of creating a family-like environment and instilling values of love, honesty, and perseverance in these children. He highlights the impact of their work in breaking generational curses and giving children a chance at a better life. Brodie also shares more about Big Oak Ranch’s plans for the future, including the establishment of a "send village" for young adults aged 18 to 22, which will help prepare them for adulthood by receiving life skills training. Stay tuned as we talk about this incredible mission and share how you can get involved and support Big Oak Ranch.

 

Here is some of what we’ll discuss in today’s show:

• How Big Oak Ranch got started. (0:30)
• Brodie talks through how this ministry works. (3:01) 
• How Big Oak Ranch prepares its residents for independence as they get closer to adulthood. (5:34)
• How you can get involved with Big Oak Ranch. (10:41)

Learn more about Big Oak Ranch and its mission:

https://www.bigoak.org/our-history/

 https://www.facebook.com/BigOakRanchAL/

 https://www.linkedin.com/company/bigoakranch/

 Resources:

✨ We can assist you on your journey to financial freedom: https://www.askfreedomfinancial.com/

📞 Phone: 205.988.0006

📅 Schedule a Discovery Call: https://askfreedomfinancial.com/contact/?utm_source=Hero

🎓Attend a Course: https://askfreedomfinancial.com/attend-an-event/?utm_source=Hero

 🎥Watch the Podcast on YouTube: https://www.youtube.com/playlist?list=PLEcHKcOSu6_m7cG9adV8xHTXLtH5g9M9t

In this episode, we’re going to discuss the widely known 4% rule in the financial industry, which suggests that retirees can safely withdraw 4% from their portfolio annually, adjusted for inflation, without running out of money. Does this rule really work? We’ll shed light on how this rule has come under question in recent years due to market conditions and share why this may not be a reliable strategy.

We’ll also discuss why it is so important to be professionally guided through financial decisions during the retirement planning process and share a story of some clients who were not adequately guided on withdrawal strategies before working with Freedom Financial Group. After this, Toni and Tad will answer a recent listener question and share some things you need to be thinking about when it comes to Social Security. Join us as we discuss why professional feedback and having a comprehensive financial plan is so critical and how fuzzy math in retirement planning can be a real problem.

Here is some of what we’ll discuss in today’s show:

• What is the 4% rule in retirement planning and is it still relevant? (0:46) 
• Why and when the premise of the 4% rule fell apart. (2:36) 
• The importance of getting feedback on your current finances in retirement planning. (4:13)
• Listener question: Should I defer my Social Security? (7:00)

 Resources:

✨ We can assist you on your journey to financial freedom: https://www.askfreedomfinancial.com/

📞 Phone: 205.988.0006

📅 Schedule a Discovery Call: https://askfreedomfinancial.com/contact/?utm_source=Hero

🎓Attend a Course: https://askfreedomfinancial.com/attend-an-event/?utm_source=Hero

 🎥Watch the Podcast on YouTube: https://www.youtube.com/playlist?list=PLEcHKcOSu6_m7cG9adV8xHTXLtH5g9M9t

Neither Freedom Financial Group nor AEWM are affiliated with Jack Hausen, Trent Redwine, or Shepherd's Fold.

In today’s episode, we are joined by Jack Hausen and Trent Redwine from Shepherd’s Fold, in Birmingham Alabama. Jack Hausen is the executive director and Trent Redwine serves as the director of operations of this ministry. Shepherd’s Fold works to help homeless individuals released from prison find total freedom from the inside out through a six-month transitional program. Freedom Financial is proud to help sponsor an event for this incredible mission, which Jack and Trent will share more about today. 

In this episode, Jack and Trent talk about the impact of the work this ministry is doing. They discuss the three things that people need to be successful coming out of prison, and how their program works to set people up for success by providing accountability, counseling, and stewardship through job training and biblical principles. Join us as we dive into Shepherd’s Fold’s transformative work and gain insights into their profound mission of societal reintegration.

Here is some of what we’ll discuss in today’s show:

• What is Shepherd’s Fold? (3:15)
• How Shepherd’s Fold helps people re-enter society after prison. (7:01) 
• How the accountability of this program sets people up for success. (10:54)
• The importance of education with reintegration. (12:16)
• Family and relationship counseling through Shepherd’s Fold. (15:48)

Learn more about Shepherd's Fold and its mission here. 

 Resources:

✨ We can assist you on your journey to financial freedom: https://www.askfreedomfinancial.com/

📞 Phone: 205.988.0006

📅 Schedule a Discovery Call: https://askfreedomfinancial.com/contact/?utm_source=Hero

🎓Attend a Course: https://askfreedomfinancial.com/attend-an-event/?utm_source=Hero

 🎥Watch the Podcast on YouTube: https://www.youtube.com/playlist?list=PLEcHKcOSu6_m7cG9adV8xHTXLtH5g9M9t