What happens when retirement comes sooner than expected?

 Brigette Engstrom of Blue Monarch Financial dives into the realities of navigating an unplanned exit from the workforce. From understanding Social Security and budgeting wisely to evaluating health insurance options, this conversation offers practical insights for staying financially secure. Beyond the numbers, Brigette explores how adaptability and engagement can transform uncertainty into opportunity, helping individuals embrace change as a catalyst for growth. Whether you’re facing early retirement or simply want to prepare for life’s curveballs, this episode delivers strategies to keep you confident and informed.

Visit www.bluemonarchfinancial.com for more details, to see upcoming events, and to book a complimentary consultation with Brigette Engstrom and the team at BlueMonarch Financial.

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Are you ready for the financial reality of retirement?

This episode, Brigette Engstom dives into why regular reviews of your investment accounts and asset allocation aren’t just smart, they’re essential. As retirement approaches, small oversights can lead to big consequences. We’ll explore practical strategies for keeping your portfolio aligned with your goals, managing risk, and ensuring your assets work as hard as you do. Whether you’re years away or just around the corner from retirement, this conversation offers insights that help you stay informed and proactive without overwhelming complexity.

Visit www.bluemonarchfinancial.com for more details, to see upcoming events, and to book a complimentary consultation with Brigette Engstrom and the team at BlueMonarch Financial.

See omnystudio.com/listener for privacy information.

Think retirement means lower taxes? Think again. In this episode, Brigette Engstrom reveals how common income sources—like Social Security, pensions, and investments—can unexpectedly impact your tax bracket. She explains why tax-free income strategies and ongoing planning matter more than one-time decisions, and how retirees often overlook key financial realities. It’s a candid look at the hidden side of retirement taxation.

Visit www.bluemonarchfinancial.com for more details, to see upcoming events, and to book a complimentary consultation with Brigette Engstrom and the team at BlueMonarch Financial.

See omnystudio.com/listener for privacy information.

What if your retirement income isn’t as reliable as you think?
In this episode of Retirement Readiness, Bridget Engstrom breaks down the essentials of crafting a personalized retirement plan. She explores how to build dependable income streams, the role Social Security plays, and how fixed income investments can support long-term goals. Bridget also tackles the often-overlooked threat of inflation and why a one-size-fits-all approach won’t cut it. Whether your years away or already planning your exit, this conversation helps you think critically about what your retirement blueprint should reflect.

Visit www.bluemonarchfinancial.com for more details, to see upcoming events, and to book a complimentary consultation with Brigette Engstrom and the team at BlueMonarch Financial.

See omnystudio.com/listener for privacy information.

Are your retirement plans overlooking a silent tax trap?
In this episode of Retirement Readiness, Bridget Engstrom unpacks the often-misunderstood world of retirement tax planning. From juggling multiple retirement accounts to navigating IRA contribution and distribution rules, she sheds light on the complexities that can catch retirees off guard. Bridget also explores how recent tax legislation affects estate planning and beneficiary designations, highlighting why proactive financial strategies and informed guidance are more critical than ever.

Get guidance now at www.bluemonarchfinancial.com and book your complimentary consultation with Brigette Engstrom and the team at Blue Monarch Financial

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What if your retirement plan is quietly leaking money through taxes you didn’t plan for?
In this episode, Brigette Engstrom dives into the often-overlooked but critical role of tax planning in retirement. The conversation explores how proactive strategies can help reduce tax burdens, from choosing tax-efficient investments to understanding how different income sources are taxed. You’ll also hear insights on how charitable giving is evolving as a strategic tool, and why a one-size-fits-all approach won’t cut it. Whether you're nearing retirement or advising others, this episode underscores the importance of tailoring a tax plan to your unique financial landscape.

Get guidance now at www.bluemonarchfinancial.com and book your complimentary consultation with Brigette Engstrom and the team at Blue Monarch Financial

See omnystudio.com/listener for privacy information.

Think you know how taxes work in retirement? Think again. In this episode, Brigette Engstrom unpacks the often-misunderstood world of retirement taxation—where tax brackets aren’t always what they seem, and income sources like Social Security, pensions, and investments can trigger unexpected consequences. She breaks down how tax-free income options and proactive planning can make a real difference, and why ongoing strategy—not one-time decisions—is key to keeping more of what you’ve earned. It offers a candid look at the financial realities that many retirees overlook.

Get guidance now at www.bluemonarchfinancial.com and book your complimentary consultation with Brigette Engstrom and the team at Blue Monarch Financial

See omnystudio.com/listener for privacy information.

What if your retirement plan is missing the most critical pieces?
In this episode of Retirement Readiness, Brigette Engstrom dives into the overlooked essentials of retirement planning—from understanding annuities to navigating year-end financial moves and preparing for long-term care. She highlights the importance of tailoring financial strategies to individual needs and stresses the value of proactive planning to manage future expenses with confidence.

Get guidance now at www.bluemonarchfinancial.com and book your complimentary consultation with Brigette Engstrom and the team at Blue Monarch Financial

See omnystudio.com/listener for privacy information.

What if the biggest threat to your retirement isn’t the market—but when you retire?
In this episode of Retirement Readiness, Brigette Engstrom unpacks the hidden dangers of retiring during market volatility. She dives into the concept of sequence of returns risk—how timing can dramatically impact your financial future—and explains why a balanced investment strategy is more than just a buzzword. From inflation to longevity risk, Brigette lays out the real-world challenges facing those on the brink of retirement and offers insights into building a resilient plan that can weather uncertainty.

Visit www.bluemonarchfinancial.com for more details, to see upcoming events and to book a complimentary consultation with Brigette Engstrom and the team at Blue Monach Financial.

See omnystudio.com/listener for privacy information.

This conversation focuses on the essential aspects of retirement planning, emphasizing the importance of communication between couples, aligning dreams with financial realities, and understanding the intricacies of retirement savings and Social Security. Brigette Engstrom shares insights on how to create a personalized retirement blueprint that considers lifestyle, health, and financial goals, ensuring that individuals are prepared for a fulfilling retirement without regrets.

Get guidance now at www.bluemonarchfinancial.com and book your complimentary consultation with Brigette Engstrom and the team at Blue Monarch Financial.

See omnystudio.com/listener for privacy information.