Retiring Today

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/3Uq21rg

Molly Nelson, Host of Retiring Today https://merkleretirementplanning.com/staff-members/molly-nelson/

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In this episode of Retiring Today, Dorothy (Molly Nelson) is looking to retire and needs some help from her friends, the Lion (Loren Merkle) and the Tin Man (Chawn Honkomp). Join Dorothy as she discovers the six essential pillars along the yellow brick road - lifestyle, income, taxes, investments, health care, and legacy - to create her retirement plan. After a long journey, Dorothy eventually reaches the emerald city with confidence in her plan and ready to retire.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/3YwoIfR

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/4gXJY5o

In this episode of Retiring Today, host Molly Nelson and retirement planners Clint Huntrods and Loren Merkle dive into essential tips, strategies, and action steps for those aged 64 and dreaming of retirement. The team discusses the common mindset and concerns of individuals nearing retirement and emphasizes the importance of long-term planning through an insightful example of a hypothetical retiree named Jill. The episode explores key decisions around Social Security, pension options, and expense planning to help viewers think about decisions they might need to make when constructing their comprehensive retirement plan.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/3zRa1uq

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

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Dreaming of retirement at age 62? This episode of Retiring Today is packed with vital action steps to get you ready. Key topics include the power of Roth conversions, Social Security analysis, and optimizing your 401K. Whether it's understanding investment risks, crafting a comprehensive retirement plan, or maximizing Social Security benefits, this episode equips you with the knowledge to make informed decisions.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/47OzMYS

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

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If you're 59 and looking to improve your retirement readiness, you're in the right place. Join hosts Loren Merkle, Clint Huntrods, and Molly Nelson as they discuss actionable strategies for a secure retirement. Learn about the benefits of in-service rollovers, managing market volatility, and maximizing catch-up contributions. Discover the powerful impact of Roth conversions and fixed indexed annuities to secure a stable income in your retirement years.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/3XSBIvT

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Are you 57 and dreaming of retirement? In today's episode of Retiring Today with Loren Merkle, we give actionable steps to put yourself in a better position to plan for a successful retirement journey.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/4eoP4FU

In today's show:

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/44LdPbC

Register for our next Journey to Retirement Online Workshop to learn more about building a comprehensive retirement plan. - https://bit.ly/4aeNR1B

In this episode of Retiring Today with Loren Merkle, Retirement Planner Clint Huntrods and Loren Merkle are talking about the impact of the presidential election on your retirement, including: - An interesting historical perspective that can help you understand what to expect in an election year. - The story of a real couple and the changes they made to decrease the impact of market volatility on their retirement savings - A discussion on the parties – Republican and Democrat – and how which is in power impacts the markets - What can do to take control before the next election impacts your retirement savings.

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY® https://merkleretirementplanning.com/staff-members/loren-merkle/

Clint Huntrods, PhD, Retirement Planner https://merkleretirementplanning.com/staff-members/clint-huntrods/

Molly Nelson, Host of Retiring Today https://merkleretirementplanning.com/staff-members/molly-nelson/

Chapter

00:00 Impact of election on personal investment portfolios.

04:57 Using predictive analytics to manage investment volatility.

06:34 Diversified investment strategy for long-term growth.

10:32 Recognize portfolio risk and take action now.

14:54 Debate over Social Security rules and future.

17:29 Social Security options can boost lifetime income.

22:06 Market performance independent of political factors.

24:36 S&P dropped, families reassured, financial plans discussed.

27:32 Plan your retirement with a quick call.

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/3wmPOLl

Register for our next Journey to Retirement Online Workshop to learn more about building a comprehensive retirement plan. - https://bit.ly/4aeNR1B

Retire early! Does it feel like a pipe dream? Maybe you just need a reason! We discuss 8 Reasons to Retire Early and the strategies that could get you there, including how to figure out if you can afford it, how to pay for health care, and the weigh both the pros and cons of an early retirement!

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Clint Huntrods, PhD, Retirement Planner

https://merkleretirementplanning.com/staff-members/clint-huntrods/

Molly Nelson, Host of Retiring Today

https://merkleretirementplanning.com/staff-members/molly-nelson/

Chapter

00:00 Exciting go-go phase, slow-go, and no-go.

05:10 Retiring at 62 with $7,000/month requires $1.5M.

07:36 Customized retirement roadmap answering financial security question.

12:55 Maximize contributions to Roth buckets if you qualify.

15:39 Roth may not be right for everyone.

20:02 Some companies offer healthcare coverage until 65.

21:58 Retirement savings handling and penalties explained briefly.

25:40 Retirement planning made easy with journey workshop.

27:35 Get retirement questions answered with a call.

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/4ageQtz

Register for our next Journey to Retirement Online Workshop to learn more about building a comprehensive retirement plan. - https://bit.ly/4aeNR1B

The IRS tax code is more than 6,000 pages – it would take more than 9 days to read! While the laws may be complicated, the strategies don’t have to be. We make taxes simple by discussing the strategies that pertain to you and retirement. We break down tax loss harvesting, Roth conversions, Net Unrealized Appreciation (NUA), and more!

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY® https://merkleretirementplanning.com/staff-members/loren-merkle/

Chawn Honkomp, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®, CPA® https://merkleretirementplanning.com/staff-members/chawn-honkomp/

Molly Nelson, Host of Retiring Today https://merkleretirementplanning.com/staff-members/molly-nelson/

Chapter

00:00 Plan retirement income to minimize taxable total.

04:24 Sell tech stocks, diversify, manage capital gains.

06:28 Use tax loss harvesting to save tax.

12:50 HSA for medical expenses with high deductible plan.

14:46 Maximize HSA benefits by allowing compounding growth.

17:14 Workshop uses John and Sue as examples.

21:18 Roth offers diverse investment options and flexibility.

25:12 Free workshop tailored to financial planning strategies.

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.