Retirement DNA episodes:

• September 27, 2021Episode 20: Achieving Financial Success

  1. Work with a holistic planner.
  2. Manage money in an asymmetrical way.
  3. Plan for taxes in the future, not just now.
  4. Make sure you have planned for the unknown.

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• August 24, 2021Episode 19: How Will Taxes Impact Your Investments

  1. Know the types of accounts you have and how they will be taxed.
  2. Work with a holistic financial planner to look at all aspects of your plan.
  3. Take steps now to minimize taxes in retirement.

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• July 29, 2021Episode 18: When Should I Take Social Security

  1. Have a realistic idea of your life expectancy.
  2. Start to get a feel for what you spend each month.
  3. Know what your other assets are and how they will generate income for you.
  4. Know the amounts of your Social Security benefit at your different ages.
  5. Get objective help from an advisor to help evaluate your overall situation.

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• July 09, 2021Episode 17: Two Retirements, Two Outcomes

  1. Have goals and plan for them.
  2. Create an asset allocation that will give you steady stable income.
  3. It's about the math and not the markets.
  4. Make sure your plan can withstand the losses of the market.

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• June 18, 2021Episode 16: Should I Pay off My Mortgage

  1. Have a goal and plan for it.
  2. It's all about BALANCE.
  3. Do the math.

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• May 06, 2021Episode 15: Mutual Funds and ETF's

  1. Both are diversified stock or bond portfolios.
  2. Both can easily be purchased.
  3. ETF's are more tax efficient.
  4. ETF's offer greater transparency.

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• April 16, 2021Episode 14: How Much Money Do I Need To Retire?

  • Know your cash flow.
  • Make sure you don't have lazy investments
  • What withdrawal rate will provide what you need and last your lifetime?
  • Everyone is different. You need a custom retirement plan that encompasses Investments, Taxes, Income, Inflation, and your legacy.

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• March 26, 2021Episode 13: The Spousal Tax Trap

  1. The Filing Single tax bracket is the highest current tax rate.
  2. When a spouse passes away, they get moved to the Filing Single tax bracket
  3. Strategies used to lessen the burden of taxes now and later.

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• March 08, 2021Episode 12: RMD's in 2021

  1. RMD age moved to age 72.
  2. How to calculate RMD's
  3. Strategies to lower your RMD.

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• February 22, 2021Episode 11: Asset Location and the Role it Plays in Portfolio Success

  1. Asset location is just as important as Asset allocation.
  2. Pay attention to what assets are in your different accounts.
  3. Is a canned portfolio ok for you or do you need a customized investment plan?

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