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Retirement DNA episodes
- Episode 31: The Power of Zero
- Knowing the average return of a portfolio doesn’t tell the whole story.
- You don’t have to have great returns to end up in a really good place.
- Bonds are the go-to safe haven for the stock market, but where do you go when bonds are down more than some stocks?
- How are you hedging your portfolio? How are you combining good return potential and risk hedging?
10 min - Episode 30: Reasons to Start Social Security Early Takeaways
- Everyone’s situation is different. What’s right for you may not be right for someone else.
- Be sure to run the numbers. Know when your breakeven age is.
- Your reason might be a good one to start early, but does it make the most financial sense?
11 min - Episode 29: Diversify Tax Efficiently and Cash Alternatives
- Set a capital gains tax budget
- Work with someone that will tax loss harvest
- Don’t be afraid to sell the losers
- If you have cash on the sideline waiting for rates to go up, we have other options for you!
13 min - Episode 28: 3 Biggest Retirement Fears
- Three biggest fears: Out living their money, Health Care and rising taxes.
- Don’t be so paralyzed with fear that you keep working when you don’t have to and don’t want to.
- Work with an advisor that is going to address the whole retirement picture and shows you HOW you can retire.
17 min - Episode 27: What Are Retirement Risks?
- Your retirement plan must address, longevity, healthcare, inflation, taxes and investments.
- The conventional “Balanced Portfolio” is not going to work.
- Just one market drop of 20% or more in the first 10 years can have drastic consequences.
- Make sure you work with an advisor that SHOWS you how you are going to be ok in retirement.
16 min - Episode 26: Why You May Need to Update Your Plan
- If your advisor doesn’t show you How you are good and set for retirement, then you probably aren’t.
- 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.
- What happens if markets don’t cooperate during retirement? Is there a plan for that?
- Don’t base your retirement income on the market, base it on math.
13 min - Episode 25: Is Retirement Tax-Free?
- Truth is, you may be in a higher tax bracket than when you were working.
- If you are still working, maybe you shouldn’t be following “conventional wisdom”.
- There are strategies that can be started now to save on taxes in retirement.
- Tax Planning needs to be a major part of your Retirement Plan.
13 min - Episode 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.
22 min - Episode 23: Why You Should Pay Tax Now, Instead of Later
- Look at your accounts with your Reality Glasses on
- Understand that the amount you see on your 401(k)/IRA statement isn’t all yours
- Make smart long term tax decisions
- Know the difference in tax between converting all at once or over a certain time period
- Have us run a Roth Conversion calculation for you
17 min - Episode 22: Pay Less TaxTakeaways:
- Make sure you know what your tax liability looks like in retirement.
- Your RMD’s can cause the tax you pay to go up on all other sources of income.
- Would a Roth IRA conversion or special designed life insurance benefit you?
- Have a Roth IRA conversion calculation done for you.
16 min
About Retirement DNA
From the publisher's feed
Duane and Aaron Johnson are co-founders of Bridger Financial Services.