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

Neither Freedom Financial Group nor AEWM are affiliated with Shawn Grubb, Amy Tankersley or One Hundred Shares Birmingham. 

On this special episode of Retire With Freedom, we are joined by guests Shawn Grubb and Amy Tankersley. Amy and Shawn help run One Hundred Shares Birmingham, a charity that awards financial grants to Christian ministries in need throughout the Birmingham area. 

Tune in to learn what drove Amy and Shawn to start the Birmingham branch of One Hundred Shares, what led Tad and Toni to get involved, and the meaningful ways the organization supports local ministries. This conversation is a powerful reminder that even small contributions, when combined, can lead to significant change in the lives of others. 

Click play to learn more and be sure to visit their website, linked below, for more information. 

Here’s what we discuss in today’s show:

• What drove Amy and Shawn to start One Hundred Shares Birmingham
• How One Hundred Shares helps the community
• What drew Tad and Toni to contribute to One Hundred Shares

Resources for this episode: 

Learn more about One Hundred Shares

https://www.onehundredsharesbirmingham.com/

Key Takeaway

"Let's just bring our money together to accomplish more."

 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 of Retire With Freedom, Tad and Toni will break down some of the major questions people have as they near their retirement years. They’ll discuss important topics like determining a safe withdrawal rate and choosing the right tools for effective tax planning.

While we cover some of the big retirement questions that people have, we’ll also take a look at common misconceptions that surround retirement planning and provide clarity on those topics. Tad and Toni often see new clients who have researched and read a lot about financial planning but struggle to understand how the entire picture fits together. That’s where working with a financial professional can make all the difference. 

Here’s what we discuss in today’s show:

• What are safe withdrawal rates in retirement?
• The common misconception of RMDs as an income stream 
• Why tax planning is so crucial right now
• The role of different financial tools

Key Takeaway

"There are concepts and things that we just kind of take as ‘the sky is blue.’ And unless you're a retirement planner, the sky isn't blue."

 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

When it comes to retirement planning, especially in the age of the internet, there are a lot of folks who feel like they have the know-how to tackle it alone. However, going solo often means overlooking key questions and considerations that could make a huge difference down the road.

In this episode, Tad and Toni discuss why some people choose to tackle retirement planning independently and share common concerns they’ve encountered during their initial client meetings. They’ll also share how their analysis can help you address some of the essential, often overlooked questions that may not be top of mind.

There’s some excellent insight coming up on today’s show that you don’t want to miss, so tune in!

 Here’s what we discuss in today’s show:

• How the internet can be a blessing and a curse when it comes to retirement planning 
• The dangers of viewing an RMD as an income stream 
• The earlier you get help, the more options you’ll have
• How our analysis helps you figure out some of the big questions surrounding retirement 

Key Takeaway 

"Unless you've thought about something a thousand times, you're probably not thinking through it as completely and deeply as you should."

 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

Just like a football field has 100 yards, we’re celebrating episode 100 of Retire With Freedom! In football, the area from the 20-yard line to the end zone is known as the ‘red zone.’ But what does the ‘financial red zone’ mean, and when does it begin? We’ll dig into that in this episode!

It’s also Halloween, so Tad and Toni share a funny story from their early days after college, reminiscing about a memorable couples costume that still brings laughs. Plus, we’ll break down sequence of return risk and how it can affect your retirement plan.

There’s a little something for everyone, so tune in to this episode for financial insights, some laughs, and a bit of Halloween fun with Tad and Toni!

Here’s what we discuss in today’s show:

• What years you are in the financial red zone
• What is sequence of return risk? 
• Who Tad and Toni would have play them in a movie

Key Takeaway

“The ​one ​thing ​that ​people ​get ​wrong ​every ​time ​is they ​don't ​have ​a ​plan.”

 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 construction, you have general contractors who can handle a range of tasks, and specialists, like electricians and roofers, who focus on one specific area. The same is true in the financial world, which has both general advisors and specialists. This distinction is important when it comes to planning for retirement. 

In today’s episode, Tad and Toni share real-life stories of clients who, after coming in for their first visit, realized just how thoughtful and specialized retirement planning needs to be. They'll also discuss how they help clients reach their unique goals, whether that’s donating to charity or leaving an inheritance for children or grandchildren. Everyone's retirement vision is different, and Tad and Toni are here to guide you in making yours a reality.

Here’s what we discuss in today’s show:

• It likely isn’t as much work as you think it is to prepare to see a financial planner 
• How working with a brokerage firm can leave you vulnerable to a little more risk 
• How we help our clients plan for their goals
• Understanding how taxes impact your retirement savings

Key Takeaway

“We ​want ​to ​understand ​what ​matters ​to ​you, ​what's ​important ​to ​you. ​What ​are ​the ​things ​that ​you ​want ​to ​accomplish?”

 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

Retirement today is vastly different from what your parents or grandparents experienced. Not only are people working longer, but they’re also living longer, too. With advances in medical technology and an increase in life expectancy, retirement has taken on a whole new meaning.

In fact, retirement can often be more costly than your working years, especially with rising medical expenses. That’s why it’s important to have a plan that accounts for not only the expenses, but how long you may need to be paying those expenses. That’s where having trusted advisors like Tad and Toni can be a huge help.  

Here’s what we discuss in today’s show:

• The differences between your retirement and the retirement your parents had
• How being retired can be more expensive than working
• How annuities are different today than in years past

Key Takeaway

“Retirement ​portfolios ​today ​need ​to ​be ​designed ​to ​fund ​expenses ​for ​30 ​or ​more ​years.”

 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

Chess, roulette, and poker are games that illustrate different balances of luck and skill. Similarly, some financial situations can be compared to these games. Join Tad and Toni Hill as they break down some retirement planning decisions you might encounter, and whether those decisions are most like chess, roulette, or poker. 

When making financial decisions, we strive for as much control as possible- similar to chess, which demands careful analysis and strategy. Partnering with a trusted advisor can be instrumental in navigating these decisions and creating more chess-like scenarios in your financial journey. Tune in as Tad and Toni discuss the processes behind these important financial choices!

Here’s what we discuss in today’s show:

• How a turbulent market will impact you differently if you’re 30 than if you’re 60 
• Deciding how much IRA money you should convert into a Roth
• Choosing the right pension option 

Key Takeaway

"One ​of ​the ​reasons ​that ​I ​think ​our ​process ​is ​so ​helpful… ​is ​because ​a ​lot ​of ​people ​do ​not ​know ​how ​to ​make ​that 'chess' ​move. They ​just ​do ​whatever, because.... they ​don't ​have ​somebody ​that's ​helping ​them."

 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

Anne Moses with Moses & Moses P.C. is not affiliated with Freedom Financial Group or AEWM.

In this episode of Retire With Freedom, we welcome Anne Moses from Moses & Moses, P.C. to discuss the vital relationship between your financial advisor and estate planner. It takes a village to get your retirement in order and to ensure you’re leaving your children a legacy that’s a blessing rather than a burden. That’s where the expertise of both your financial advisor and estate planner comes into play.

Anne breaks down how she uses an estate planning questionnaire to help her clients figure out what they want their legacy to be, and how that connects to retirement planning. She also joins Tad and Toni to discuss the importance of setting up trusts and when to consider them, ensuring that your assets are distributed according to your wishes.

Here’s what we discuss in today’s show:

• The top estate and retirement planning concerns
• How Anne utilizes an estate planning questionnaire to assist her clients
• How third parties can facilitate important conversations about healthcare needs
• Why it takes a village to get your retirement in order
• When you should consider using a trust

Resources for this episode:

Moses & Moses, P.C.

https://mosespc.com/

Key Takeaway

“The relationship between attorney and financial advisor really needs to be a tight one.”

 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 the financial world, some people may use fancy terms or phrases that don’t always mean what you think. But when it comes to managing your money, transparency and honesty are key. You deserve to work with someone who tells it like it is.

Join Tad and Toni as they dig into why it’s important to truly understand the financial tools you're using, the potential downsides of working with large brokerage firms, and how to know when you’ve found the right advisor for you. Plus, we have a little fun as they share some stories, including their love for music and board games.

Here’s what we discuss in today’s show:

• The limits of working with a big brokerage firm 
• Understanding the function of different financial tools
• Working with an advisor who clarifies things and makes you feel at ease
• Getting to Know Toni and Tad: Road trip playlists and board games 

Key Takeaway

“If you’re not working with somebody who clarifies things and makes it simple- if you walk out with a bigger question mark over your head than when you came in, you’re not working with the right person.”

 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

Everyone’s personality is unique, and this individuality extends to how we spend money. On this episode of Retire With Freedom, Tad and Toni break down the different spending personalities they’ve observed and highlight the common traits that define them.

From the emotional spender, who lets their feelings dictate purchases, to the YOLO spender, who’s always up for a big, flashy buy, they cover a range of behaviors. Do any of these personalities sound like you? Tune in for valuable insights, and discover what kind of spender you might be on this week’s episode.

Here’s what we discuss in today’s show:

• Getting caught up in emotional spending. 
• Who is the YOLO spender?
• The savvy spender vs. the miser. 

Key Takeaway

“If you’re less than 10 years from retirement, it’s time to get a plan.”

 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