Running out of money is the number one fear retirees report, even above health concerns. Many people who are in perfectly good financial shape still find themselves unable to enjoy what they have saved.

Jaime Cowper, a financial advisor who specializes in retirement income planning, walks through the four key variables that drive this fear and explains how a simple one page income plan can bring clarity to where your money comes from each month. She covers longevity expectations, spending habits, sources of guaranteed income like Social Security and pensions. If you have done well financially but still feel uneasy about spending in retirement, this one was made for you.

Chapters

(00:00) Introduction

(00:17) Why This Fear Is So Common

(00:51) The Story That Changed Everything

(02:38) The One Page Income Plan

(02:58) Four Keys to Conquering the Fear

(03:38) Sources of Guaranteed Income

(04:49) Why the Income Plan Ties It Together

(05:20) Building Peace of Mind on Purpose

Comment below: have you ever held back from spending money in retirement even though you knew you could afford it?

To schedule a time to discuss your financial future visit https://www.unityfinancialadvisors.net/contact-us or call (248) 885-8176 today!

Connect with Jaime on Social Media

LinkedIn: https://www.linkedin.com/in/jaimecowper

Instagram: https://www.instagram.com/jaime.cowper

Facebook: https://www.facebook.com/unityfinancial

Investment advisory and financial planning services offered through Advisory Alpha, LLC, a Registered Investment Advisor. Insurance, Consulting, and Education services offered through Unity Financial Advisors. Unity Financial Advisors is a separate and unaffiliated entity from Advisory Alpha. While tax and legal issues may be discussed in the general course of financial and investment planning, Advisory Alpha does not provide tax or legal services.

Jaime Cowper is an investment advisor representative of Advisory Alpha, LLC, a SEC registered investment advisor. All opinions expressed by Jaime Cowper are solely her own opinions and do not reflect the opinions of Advisory Alpha, LLC, and as such, any and all statements of purported or observed general practices of non-affiliated firms and advisors; conditions of the broad financial services industry; or performance or returns with regards to products, securities, markets, or otherwise, whether or not advisor indicates they may be relying on third-party data or sources, are solely the opinions and/or interpretations of the advisor and are not intended to be offered as factual. The validity of these statements has not been verified, and as such, no representations of their validity are made. This recording is for informational purposes only and should not be relied upon for investment decisions. This material is not endorsed or approved by the Social Security Office or any other Government Agency.

An Annuity is a long-term financial product designed largely for asset accumulation and retirement needs. All guarantees are backed by the claims-paying ability of the issuing insurance company.

If you have heard that Social Security is running out and wondered whether you should claim your benefit early before it disappears, you are not alone. It is a common fear among pre-retirees, and the headlines only make it worse.

In this episode, Jaime Cowper, walks through what the latest trustee report actually says about Social Security solvency, what a worst case scenario really looks like, and why fear driven decisions about when to claim can lock you into a lower benefit for life. She also shares a real client story that reveals how some advice about claiming early may not be in your best interest. If you are approaching retirement and trying to figure out your Social Security strategy, this episode brings the clarity you need.

Chapters:

(00:00) Introduction

(01:02) What the Trustee Report Says

(03:04) Why Clients Want to Claim Early

(03:23) The Advisor Conflict of Interest

(05:01) Why Waiting Still Makes Sense

(05:45) Variables That Affect Your Decision

(06:16) Who You Should Listen To

Comment below: have you ever felt pressured to claim Social Security early because of a headline you read?

To schedule a time to discuss your financial future visit https://www.unityfinancialadvisors.net/contact-us or call (248) 885-8176 today!

Connect with Jaime on Social Media

LinkedIn: https://www.linkedin.com/in/jaimecowper

Instagram: https://www.instagram.com/jaime.cowper

Facebook: https://www.facebook.com/unityfinancial

Investment advisory and financial planning services offered through Advisory Alpha, LLC, a Registered Investment Advisor. Insurance, Consulting, and Education services offered through Unity Financial Advisors. Unity Financial Advisors is a separate and unaffiliated entity from Advisory Alpha. While tax and legal issues may be discussed in the general course of financial and investment planning, Advisory Alpha does not provide tax or legal services.

Jaime Cowper is an investment advisor representative of Advisory Alpha, LLC, a SEC registered investment advisor. All opinions expressed by Jaime Cowper are solely her own opinions and do not reflect the opinions of Advisory Alpha, LLC, and as such, any and all statements of purported or observed general practices of non-affiliated firms and advisors; conditions of the broad financial services industry; or performance or returns with regards to products, securities, markets, or otherwise, whether or not advisor indicates they may be relying on third-party data or sources, are solely the opinions and/or interpretations of the advisor and are not intended to be offered as factual. The validity of these statements has not been verified, and as such, no representations of their validity are made. This recording is for informational purposes only and should not be relied upon for investment decisions. This material is not endorsed or approved by the Social Security Office or any other Government Agency.

An Annuity is a long-term financial product designed largely for asset accumulation and retirement needs. All guarantees are backed by the claims-paying ability of the issuing insurance company.

You have worked hard to build your savings, but do you actually know what could put your retirement at risk? In this episode, Jaime Cowper, a financial advisor and certified long term care specialist, breaks down the six major retirement risks: longevity, market volatility, inflation, taxes, health care costs, and personal circumstances like the loss of a spouse.

Jaime explains why having different income buckets matters, how the widow tax surprises families, and why shifting everything to bonds may not solve the inflation problem. If you are close to retirement and want to understand what you are really planning for, this episode was made for you.

Chapters:

(00:00) Introduction

(01:35) Risk 1: Longevity Risk

(03:24) Risk 2: Market Risk

(04:01) Risk 3: Inflation Risk

(05:08) Comparing Your Current Plan

(05:33) Risk 4: Tax Risk

(06:07) Risk 5: Long Term Care

(06:55) Risk 6: Personal Circumstance Risk

Comment below: which of the six risks Jaime covered surprised you the most, and is it something you have thought about for your own retirement?

To schedule a time to discuss your financial future visit https://www.unityfinancialadvisors.net/contact-us or call (248) 885-8176 today!

Connect with Jaime on Social Media

LinkedIn: https://www.linkedin.com/in/jaimecowper

Instagram: https://www.instagram.com/jaime.cowper

Facebook: https://www.facebook.com/unityfinancial

Investment advisory and financial planning services offered through Advisory Alpha, LLC, a Registered Investment Advisor. Insurance, Consulting, and Education services offered through Unity Financial Advisors. Unity Financial Advisors is a separate and unaffiliated entity from Advisory Alpha. While tax and legal issues may be discussed in the general course of financial and investment planning, Advisory Alpha does not provide tax or legal services.

Jaime Cowper is an investment advisor representative of Advisory Alpha, LLC, a SEC registered investment advisor. All opinions expressed by Jaime Cowper are solely her own opinions and do not reflect the opinions of Advisory Alpha, LLC, and as such, any and all statements of purported or observed general practices of non-affiliated firms and advisors; conditions of the broad financial services industry; or performance or returns with regards to products, securities, markets, or otherwise, whether or not advisor indicates they may be relying on third-party data or sources, are solely the opinions and/or interpretations of the advisor and are not intended to be offered as factual. The validity of these statements has not been verified, and as such, no representations of their validity are made. This recording is for informational purposes only and should not be relied upon for investment decisions. This material is not endorsed or approved by the Social Security Office or any other Government Agency.

An Annuity is a long-term financial product designed largely for asset accumulation and retirement needs. All guarantees are backed by the claims-paying ability of the issuing insurance company.

Retirement planning involves more than simply saving money. It also requires a thoughtful approach to income, withdrawals, risk, and long-term decision-making. In this episode, Jaime Cowper discusses three important elements of retirement planning: a strategy, an income plan, and ongoing guidance. She explains the role of different financial buckets, the importance of distribution planning, and why many people benefit from greater clarity as they approach retirement. This episode is designed to help viewers better understand the planning considerations involved in retirement.

Chapters:

(00:00) Introduction

(01:07) The 3 Keys To Peace Of Mind In Retirement

(02:33) The Value Of Having A Trusted Guide

(03:48) Why Distribution Strategy Is Often Overlooked

(04:35) The Teacher Story That Changed Everything

(06:02) How Smart Planning Creates Emotional Stability

To schedule a time to discuss your financial future visit https://www.unityfinancialadvisors.net/contact-us or call (248) 885-8176 today!

Connect with Jaime on Social Media

LinkedIn: https://www.linkedin.com/in/jaimecowper

Instagram: https://www.instagram.com/jaime.cowper

Facebook: https://www.facebook.com/unityfinancial

Investment advisory and financial planning services offered through Advisory Alpha, LLC, a Registered Investment Advisor. Insurance, Consulting, and Education services offered through Unity Financial Advisors. Unity Financial Advisors is a separate and unaffiliated entity from Advisory Alpha. While tax and legal issues may be discussed in the general course of financial and investment planning, Advisory Alpha does not provide tax or legal services.

Jaime Cowper is an investment advisor representative of Advisory Alpha, LLC, a SEC registered investment advisor. All opinions expressed by Jaime Cowper are solely her own opinions and do not reflect the opinions of Advisory Alpha, LLC, and as such, any and all statements of purported or observed general practices of non-affiliated firms and advisors; conditions of the broad financial services industry; or performance or returns with regards to products, securities, markets, or otherwise, whether or not advisor indicates they may be relying on third-party data or sources, are solely the opinions and/or interpretations of the advisor and are not intended to be offered as factual. The validity of these statements has not been verified, and as such, no representations of their validity are made. This recording is for informational purposes only and should not be relied upon for investment decisions. This material is not endorsed or approved by the Social Security Office or any other Government Agency.

An Annuity is a long-term financial product designed largely for asset accumulation and retirement needs. All guarantees are backed by the claims-paying ability of the issuing insurance company.