Dana and Brad discuss interest rates as well as how gender may affect your retirement plan. Takeaways: - Before taking a loan to make a big purchase, evaluate if it currently fits with your income plan due to high interest rates. - There have been bipartisan discussions to raise the Full Retirement Age to 70. Download our FREE helpful resource, “10 Tips to Help Empower Women Investors”

Dana and Brad discuss retirement income sources as well as circumstances that may affect them. Takeaways: - Modified Adjusted Gross Income (MAGI) is an important number to understand because if it is over $34,000 and you are married up to 50% of Social Security can be taxed. - 401k, IRA, Social Security, Capital Gains, Life Insurance, Pensions, and Annuities are all different income sources that can potentially impact your retirement goals. - A Sustainable Retirement Plan can help you balance these different income avenues and help prepare you for a successful retirement. - Download our FREE helpful resource, “Retirement Success”

Dana and Brad discuss the sentiments of the Federal Reserve on inflation. Takeaways: - If you have any questions or doubts about your current retirement savings reach out to an advisor and get a second opinion. - As interest rates go up, the value of bonds goes down. - Download our FREE helpful resource, “Retiring in Uncertain Times”

Dana and Brad discuss what you should know before deciding to retire. Takeaways: - A Sustainable Retirement Plan can help you know if your savings should be enough to last the entirety of your retirement. - It is projected that in 2035, Social Security will be paying only 78 cents on the dollar. - Download our FREE helpful resource, “Will Your Money Last as Long as You Do?”

Dana and Brad discuss the current state of the market and the importance of diversification. Takeaways: - Diversification is one of the best ways to fight the effects of a down market - A Strategic Roth Conversion can help you avoid paying more in taxes at a later time Download our FREE helpful resource, “What to Do in A Down Market”

Dana and Brad discuss a few different forms of elder fraud as well as some of the ins and outs of Social Security. Takeaways: - Be aware that scams targeting the elderly are becoming more advanced. In 2022, $3.1 Billion was reported in losses. That is an 84 percent increase in losses from 2021. * - You may be subject to penalties if you are taking Social Security and are still making money from working, up until your Full Retirement Age. *Federal Bureau of Investigation (2023). “Elder Fraud Report 2022.” Download our FREE helpful resource, “The Social Security Decisions”

Dana and Brad discuss creating a Sustainable Retirement Plan and the potential effects of a recession. Takeaways: - It is important to have a Sustainable Retirement Plan in place to help you react to major life changes. - A good rule of thumb is to have at least 6 months of your expenditures in a cash account to be prepared for the start of retirement. Download our FREE helpful resource, “What to Do in a Down Market”

Summary: Dana and Brad discuss the effects of inflation and different ways to draw social security. Takeaways: - Inflation never stops changing so it is important to understand how to implement it into your retirement plan. - There are over 80 ways to withdraw social security if you are married. - Download our FREE helpful resource, “Will Your Money Last as Long as You Do?

Dana and Brad discuss Strategic Roth Conversions and tax liability reduction strategies. Takeaways: -A Strategic Roth Conversion can transfer money from a tax deferred account to a tax-free account to help you avoid paying more in taxes at a later date -It’s never too late to create a Retirement Plan. People don’t plan to fail; they fail to plan "A ROTH Conversion is a taxable event that may not be suitable for everyone. Consult your tax advisor regarding your situation." Download our FREE helpful resource

Summary: Dana and Brad discuss how inflation can affect your retirement plan Takeaways: -Everyone’s situation is different and that is why it’s a good idea to create a sustainable retirement plan because there is no magic number to reach to be able to retire. -Diversification can help your portfolio fight inflation. -Download our FREE helpful resource, “