Retirement Insights

In Episode 31 Eric and Robert cover Roth IRA conversions and strategies - a popular tax planning tool to take advantage of lower marginal tax rates to reduce overall lifetime taxes paid and increase net-worth. Our advisors cover the rules, basic concepts of how to implement, and things you should consider in determining if partial Roth IRA conversions may be appropriate for you.

This podcast features Eric Johnston CFP President/Financial Advisor of InFocus Financial Advisors, Inc who has been an advisor for 25 years since 1993 and Robert Jeter, CFP who has been a Financial Advisor since 2012 and has been with InFocus Financial Advisors, Inc. since 2016. 31454 Winterplace Parkway, Salisbury, MD 21804 410-677-4848. Investment Advisor Representative offering securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC, a broker dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity.

Episode 30 - Future of Planning and Healthspan - Eric and Robert discuss the future of retirement planning. Could it possibly include making more nuanced health projections based on health data? What could the future look like and what might InFocus look like in the future in working towards their client's retirement success?

This podcast features Eric Johnston CFP President/Financial Advisor of InFocus Financial Advisors, Inc who has been an advisor for 25 years since 1993 and Robert Jeter, CFP who has been a Financial Advisor since 2012 and has been with InFocus Financial Advisors, Inc. since 2016. 31454 Winterplace Parkway, Salisbury, MD 21804 410-677-4848. Investment Advisor Representative offering securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC, a broker dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity.

Episode 29 - Understanding Medicare: In Episode 29, Eric and Robert review the fundamentals of Medicare. They review the various components of Medicare, what they cover, and things to remember when planning for your health insurance in retirement.

Episode 28 - Setting Up Your Surviving Spouse for Success  -- In this episode Eric and Robert cover a difficult topic, setting up your spouse for success if your gone. In the event of an unexpected premature death, we cover how to make sure your surviving spouse has the right tools to continue to be financially successful.

Episode 27 Dynamic Spending -- Don't Leave it All to Your Kids.  Curious about what spending strategy is right for you to maximize your lifestyle in retirement? Eric and Robert cover "Dynamic Spending" strategies and important things to consider regarding spending as you enter your retirement years.

Episode 26 - Estate Planning Mistakes -- Full of ideas you can implement, in this episode Eric and Robert covert some basic estate planning topics and frequent mistakes they see people make. 

Episode 25 - What's Going On With the Bond Market?   Bonds are supposed to be "safe". In this episode Eric and Robert discuss what has been a historic few years for the bond market. What has traditionally been a "boring" or "conservative" piece of most retiree's portfolio has been anything but of late.

Episode 24 - What Most People Get Wrong in Preparing to Retire -- It's retirement and it's time to get everything right.  In this episode, Eric and Robert review the most common mistakes people make when planning for retirement. They also discuss some topics and ideas to start thinking about as you approach retirement.

Episode 23 - Retirement and Recessions Vol. 2  Your retirement needs to be ready for curve balls.  In this episode Eric and Robert review what's transpired in markets over the last year, what's ahead, and what implications that may have for retirees of all ages. They also give tips on things you should be doing to turn periods of market volatility to your advantage.

Episode 22 - Lifetime Gifting  It is much more fun to make gifts while you are living, than after you're gone.  In this episode Eric and Robert cover lifetime gifting and how to make the greatest impact with  your retirement assets.