Retirement DNA episodes:

• September 09, 2022Episode 30: Reasons to Start Social Security Early Takeaways

  1. Everyone's situation is different. What's right for you may not be right for someone else.
  2. Be sure to run the numbers. Know when your breakeven age is.
  3. Your reason might be a good one to start early, but does it make the most financial sense?

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• August 05, 2022Episode 29: Diversify Tax Efficiently and Cash Alternatives

  1. Set a capital gains tax budget
  2. Work with someone that will tax loss harvest
  3. Don't be afraid to sell the losers
  4. If you have cash on the sideline waiting for rates to go up, we have other options for you!

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• July 21, 2022Episode 28: 3 Biggest Retirement Fears

  1. Three biggest fears: Out living their money, Health Care and rising taxes.
  2. Don't be so paralyzed with fear that you keep working when you don't have to and don't want to.
  3. Work with an advisor that is going to address the whole retirement picture and shows you HOW you can retire.

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• June 10, 2022Episode 27: What Are Retirement Risks?

  1. Your retirement plan must address, longevity, healthcare, inflation, taxes and investments.
  2. The conventional "Balanced Portfolio" is not going to work.
  3. Just one market drop of 20% or more in the first 10 years can have drastic consequences.
  4. Make sure you work with an advisor that SHOWS you how you are going to be ok in retirement.

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• May 13, 2022Episode 26: Why You May Need to Update Your Plan

  1. If your advisor doesn't show you How you are good and set for retirement, then you probably aren't.
  2. If your advisor just talks about how you have a 60/40 portfolio and says you're good and set for retirement, you probably aren't.
  3. What happens if markets don't cooperate during retirement? Is there a plan for that?
  4. Don't base your retirement income on the market, base it on math.

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• April 14, 2022Episode 25: Is Retirement Tax-Free?

  1. Truth is, you may be in a higher tax bracket than when you were working.
  2. If you are still working, maybe you shouldn't be following "conventional wisdom".
  3. There are strategies that can be started now to save on taxes in retirement.
  4. Tax Planning needs to be a major part of your Retirement Plan.

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• March 21, 2022Episode 24: The Three Levels of Advisors and How They Are Different

  • Which level of advisor are you currently using?
  • What areas of planning does your advisor cover?
  • Is your advisor addressing your planning needs?
  • A good retirement plan covers more than just investments. It included taxes, health care, risk management and estate planning.

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• January 14, 2022Episode 23: Why You Should Pay Tax Now, Instead of Later

  1. Look at your accounts with your Reality Glasses on
  2. Understand that the amount you see on your 401(k)/IRA statement isn't all yours
  3. Make smart long term tax decisions
  4. Know the difference in tax between converting all at once or over a certain time period
  5. Have us run a Roth Conversion calculation for you

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• November 17, 2021Episode 22: Pay Less Tax

  Takeaways:

  1. Make sure you know what your tax liability looks like in retirement.
  2. Your RMD's can cause the tax you pay to go up on all other sources of income.
  3. Would a Roth IRA conversion or special designed life insurance benefit you?
  4. Have a Roth IRA conversion calculation done for you.

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• October 22, 2021Episode 21: Don't Ignore Life Insurance

  Takeaways:

  1. Know your protection needs for the unknown.
  2. Life insurance is a useful tool in retirement if done correctly.
  3. Better to be overinsured than underinsured.

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