Retirement 360

Alan and Troy are back to discuss various risks that your retirement plan could be subjected to, including rising taxes, longevity or not being adequately prepared. They also look at some upcoming dates for seminars and their short courses at the University of Louisville's Shelby Campus.

When can I retire? Have I saved enough? Will my money last? Will my loved ones be okay if something happens to me? These are four important questions future retirees ask, and today Alan and Troy address them and how the Retirement 360 Game Plan can help determine the answers for each individual or couple looking at post-working life.

Today Alan and Troy talk about the process they have created to develop a retirement plan that addresses all five main areas - income, growth, health care, protection and estate and legacy planning.

Today Troy takes a look at options you have regarding IRA and 401K accounts, as well as requirements depending on the type of account you may have.

Alan and Troy first go over a checklist you can use to make your final moves with financial issues for 2022, then they tackle the challenges of making your money work and last throughout your retirement years, especially as it concerns longevity and health care.

This show takes another look at the local pension issues that potential retirees need to make timely decisions on. Plus segments on getting to know the backgrounds of both Alan Mercurio and Troy Bolton.

You need the right tools for various things around the house - and you also need the right financial tools for a solid retirement plan. Today Alan and Troy talk about what some of those tools are, including instruments to provide income like Social Security and more. They also discuss their Retirement 360 Game Plan, which puts all the elements together for your specific retirement needs.

Pension plans in the Louisville area may see reduced payout rates come the start of December, and you may have options now that could benefit you. Alan and Troy discuss how the current rate changes affect these plans and what you can do to maximize your benefits. They also look at five important retirement general questions.

In the introductory segment, Alan fills us in on his background in financial services and some of the history of Mercurio Wealth Advisors. Later he and Troy revisit some topics everyone needs to have on their retirement planning checklist.

For years the 60-40 rule was applied to stock portfolios for income, with a mix of 50% stocks and 40% bonds. But in this environment with stocks in bear market territory and bonds falling as interest rates rise, neither one is providing the performance necessary for retirement income. Today Alan and Troy look at how this happened, and make suggestions on how to work around these factors to create an income strategy that fits your budget and your lifestyle.