The Priority of Retirement

About Tom Hegna: Tom Hegna, CLU, ChFC, CASL, is a renowned author, speaker, and economist. A former Senior Executive Officer at New York Life and retired Lieutenant Colonel, Tom has delivered over 5,000 seminars, sharing his knowledge on retirement strategies with Baby Boomers and seniors. His books, including Paychecks and Playchecks and Don't Worry, Retire Happy!, distill his extensive knowledge into accessible, actionable advice.

In this episode, Shawn and Tom Hegna discuss:

• Planning for financial income in retirement
• Using analytical methods for retirement strategies
• Managing risks related to retirement
• The importance of tax considerations in retirement planning

"You gotta follow the formulas that are proven. Why deviate from something that's proven? I'm just doing exactly what I'm telling other people to do. That's what I'm doing. And look, I'm living a great retirement. I'm loving it." — Tom Hegna

Get a free copy of Shawn’s book “The Priority of Retirement” here- https://www.retirewisepro.com/the-priority-of-retirement 

Contact Shawn:

Website- https://www.retirewisepro.com/ 

YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg 

LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise 

Instagram- https://www.instagram.com/retirewise_llc/ 

Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

Tom Hegna is not a client, nor should his appearance in this advertisement be construed as an endorsement of Shawn Maloney or Retire Wise LLC. Formerly with New York Life Insurance Company is not affiliated with Retire Wise LLC. or AEWM.

The information and opinions contained are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual's situation. Insurance products are offered through the insurance business, Retire Wise, LLC. Retire Wise, LLC. is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products.

The insurance products offered by Retire Wise, LLC. are not subject to Investment Adviser requirements. Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims-paying abilities of the issuing carrier. This podcast radio show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual’s situation. Retire Wise, LLC. is not permitted to offer, and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein were provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Retire Wise, LLC. 2909872 – 5/25

In this episode, Shawn breaks down the complexities of retirement planning into a clear, actionable framework designed to empower you. You'll discover how to overcome common fears, such as running out of money or needing to work past retirement age, by understanding Shawn's "Retire Happy Framework." This episode serves as your guide to working towards a fulfilling and confident retirement, no matter where you are in your planning journey. Tune in to take control of your financial future with confidence.

In this episode, Shawn discusses:

• The need for comprehensive retirement planning
• The changing nature of retirement benefits
• Managing risks in retirement
• Planning for healthcare in retirement

Key Takeaways:

• Merely having retirement accounts like a 401(k) or IRA is not enough; it is crucial to develop a comprehensive plan that includes a well-thought-out drawdown strategy to ensure you don't outlive your savings and maintain financial stability throughout retirement.
• As the availability of company-sponsored pensions decreases, individuals must take greater responsibility for their retirement by starting to save early, carefully managing investments, and planning for a retirement that could span several decades.
• Successfully navigating retirement requires a proactive approach to managing six key risks—market risk, taxation risk, inflation risk, withdrawal risk, sequence of returns risk, and longevity risk—each of which can significantly impact the sustainability of your retirement income.
• Factoring in the potential costs of healthcare and long-term care is essential when planning for retirement, as these expenses can be substantial, unpredictable, and have a major impact on your financial resources over time.

"Remember, the only one who can help your older self is your younger self. Right? So let's plan today." — Shawn Maloney

Get a free copy of Shawn’s book “The Priority of Retirement” here- https://www.retirewisepro.com/the-priority-of-retirement 

Contact Shawn:

Website

YouTube

LinkedIn 

Instagram

Facebook

The information and opinions contained are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual's situation.  Insurance products are offered through the insurance business, Retire Wise, LLC. Retire Wise, LLC. is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by Retire Wise, LLC. are not subject to Investment Adviser requirements. Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims-paying abilities of the issuing carrier. This podcast radio show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual’s situation. Retire Wise, LLC. is not permitted to offer, and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein were provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Retire Wise, LLC. 2909872 – 5/25

About Leonard Raskin: Leonard Raskin is the founder and CEO of Raskin Global, a financial advisory firm dedicated to helping clients build, spend, and use their wealth wisely. With over 34 years of experience in the financial industry, Leonard holds a master's degree in financial services and prestigious credentials including CFP, AEP, and CLU. His approach combines education, state-of-the-art technology, and a steadfast philosophy to simplify complex financial matters and guide clients towards financial balance and success. Leonard is also a noted media contributor and a passionate supporter of charitable causes, actively working with several foundations.

In this episode, Shawn and Leonard Raskin discuss:

• Risk management in financial planning
• Importance of retirement strategies
• Role of debt in wealth creation
• Value of objective financial advice

Key Takeaways:

• Many individuals overestimate their risk tolerance because they haven't experienced significant financial losses, leading them to prefer a guaranteed high probability of a substantial result over a risky chance at a perfect outcome.
• Effective retirement planning involves not only accumulating wealth but also strategically utilizing financial products like annuities and reverse mortgages to ensure a stable income throughout retirement​.
• Proper debt management and understanding the difference between good and bad debt are crucial for leveraging financial opportunities and creating wealth, as exemplified by companies and successful individuals.
• A holistic approach to financial planning, which includes assembling a team of advisors who can provide comprehensive and objective advice, significantly enhances the likelihood of achieving a secure and enjoyable retirement​. 

"Start early, save well, protect it all, invest well, and you have all you want forever." — Leonard Raskin

Connect with Leonard Raskin: 

Website: www.RaskinGlobal.com

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

Facebook: www.Facebook.com/RaskinGlobal

Get a free copy of Shawn’s book “The Priority of Retirement” here- https://www.retirewisepro.com/the-priority-of-retirement

Contact Shawn:

Website- https://www.retirewisepro.com/

YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg

LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise

Instagram- https://www.instagram.com/retirewise_llc/

Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

Leonard Raskin is not a client, nor should his appearance in this advertisement be construed as an endorsement of Shawn Maloney or Retire Wise LLC. Raskin Global is not affiliated with Retire Wise LLC. or AEWM.

The information and opinions contained are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual's situation.

About Rob Brown: Rob Brown is the founder of Truest Fan Coaching and the author of "Truest Fan: Live, Love, and Lead with Purpose and Impact." His journey from a top financial advisor to an industry executive mentoring hundreds of advisors showcases his exceptional leadership skills. Now, as a coach to some of the industry's top advisors, Rob shares his wealth of knowledge and experience to help others succeed. He also hosts the Purpose-Focused Advisor podcast, providing valuable insights and practical strategies.

In this episode, Shawn and Rob Brown discuss:

• Financial advisory challenges
• Importance of intentional leadership
• Strategies for effective client service
• The impact of kindness and intentional actions

"Smiles and kind words go a long way." — Rob Brown

Get a free copy of Shawn’s book “The Priority of Retirement” here- https://www.retirewisepro.com/the-priority-of-retirement

Contact Shawn:

Website- https://www.retirewisepro.com/

YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg

LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise

Instagram- https://www.instagram.com/retirewise_llc/

Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

Rob Brown is not a client, nor should his appearance in this advertisement be construed as an endorsement of Shawn Maloney or Retire Wise LLC. Truest Fan Coaching is not affiliated with Retire Wise LLC. or AEWM.

The information and opinions contained are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual's situation. Insurance products are offered through the insurance business, Retire Wise, LLC. Retire Wise, LLC. is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by Retire Wise, LLC. are not subject to Investment Adviser requirements. Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims-paying abilities of the issuing carrier. This podcast radio show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual’s situation. Retire Wise, LLC. is not permitted to offer, and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein were provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Retire Wise, LLC. 2909872 – 5/25

About Adam Zuckerman: Adam Zuckerman is the Founder of Buried in Work, a company dedicated to simplifying estate planning and transitions for individuals and businesses. With a background as an attorney, MBA, and Eisenhower Fellow, Adam's expertise spans finance, media, consumer packaged goods, and clean energy. He is a recognized thought leader on the impact of future-facing technologies and has significantly contributed to innovation ecosystems through his ventures and advisory roles. Adam has held notable positions, including at Discovery Inc., and continues to drive progress at the intersection of enterprise growth and technological advancement.

In this episode, Shawn and Adam Zuckerman discuss:

• Importance of comprehensive estate planning
• Role of beneficiaries and legal documents
• Advanced directives and healthcare proxies
• Organization and digital legacy

"If you don't get started and you don't know about these terms, you're not going to have them in time for when you actually need them." — Adam Zuckerman

Get a free copy of Shawn’s book “The Priority of Retirement” here- https://www.retirewisepro.com/the-priority-of-retirement

Contact Shawn:

Website- https://www.retirewisepro.com/

YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg

LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise

Instagram- https://www.instagram.com/retirewise_llc/

Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

Adam Zuckerman is not a client, nor should his appearance in this advertisement be construed as an endorsement of Shawn Maloney or Retire Wise LLC. Buried in Work is not affiliated with Retire Wise LLC. or AEWM.

The information and opinions contained are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual's situation.

Insurance products are offered through the insurance business, Retire Wise, LLC. Retire Wise, LLC. is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by Retire Wise, LLC. are not subject to Investment Adviser requirements. Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims-paying abilities of the issuing carrier. This podcast radio show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual’s situation. Retire Wise, LLC. is not permitted to offer, and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein were provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Retire Wise, LLC. 2909872 – 5/25

About Eric Dyson: Eric Dyson is a United States Naval Academy graduate and former nuclear-trained submarine officer with a decade of service. With over 30 years in the financial services industry, he specializes as an ERISA advisor, currently serving as the Executive Director of RFP 401k Advisor. Eric offers consulting expertise in conducting ERISA Advisor RFPs, expert witness services, ERISA fiduciary training, and conducting fiduciary best practices audits. He is also a sought-after keynote speaker on fiduciary best practices, having addressed audiences hosted by leading investment providers nationwide.

In this episode, Ryan and Eric Dyson discuss:

• The importance and various aspects of planning for retirement
• ERISA and its significance
• Strategies to mitigate risks associated with retirement plans
• The role and importance of financial advisors in managing retirement plans

Key Takeaways:

• It's essential for clients to understand that having a 401k or similar retirement account does not constitute a comprehensive retirement plan, and they need to ensure their employer-sponsored plan integrates effectively with their overall financial strategy​​.
• Fiduciary training for plan committees is often inadequate, typically squeezed into annual or quarterly meetings, and there's a significant need for more comprehensive and frequent training to ensure fiduciaries are properly equipped to act in the best interests of employees​.
• Employers should be aware of their fiduciary duties under ERISA, including the duty of loyalty, prudence, adherence to plan documents, and diversification to avoid large losses, and they should seek expert advice if they lack the necessary expertise​​.
• Budgeting is fundamental to financial planning, and having a written budget is crucial for effective debt management and retirement planning, ensuring individuals have a clear understanding of their monthly needs and financial goals​​. 

"Budgeting is the foundation to making this all work." — Eric Dyson

Connect with Eric Dyson: 

Website: https://90northllc.com

Email: [email protected]

LinkedIn: https://www.linkedin.com/in/401kguy/

Get a free copy of Shawn’s book “The Priority of Retirement” here- https://www.retirewisepro.com/the-priority-of-retirement

Contact Shawn:

Website- https://www.retirewisepro.com/

YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg

LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise

Instagram- https://www.instagram.com/retirewise_llc/

Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

Eric Dyson is not a client, nor should his appearance in this advertisement be construed as an endorsement of Shawn Maloney or Retire Wise LLC. 90 North Consulting is not affiliated with Retire Wise LLC. or AEWM.

The information and opinions contained are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual's situation.

Welcome to "The Priority of Retirement," hosted by investment advisor representative Shawn Maloney. In each episode, Shawn shares age-old wisdom combined with modern, proven methods to help you navigate the complex world of retirement planning.

Drawing from the principles that have stood the test of time, Shawn's insights are designed to be easy to understand and apply. Whether you're looking to reduce retirement risks, plan for the critical drawdown phase, or identify your unique "Retirement Why," this podcast provides you with the knowledge you need.

In "The Priority of Retirement," you'll discover how to navigate the three phases of retirement, implement the "Retire Happy Framework™," and approach retirement income planning effectively. Shawn also explores why generosity is key to retirement happiness and how to ensure you create a rewarding and fulfilling life by planning properly now.

Join Shawn Maloney as he helps you blend timeless wisdom with modern strategies to secure a confident and prepared retirement. Don't miss an episode of "The Priority of Retirement," your guide to a well-planned and meaningful future.

Get a free copy of Shawn’s book “The Priority of Retirement” here- https://www.retirewisepro.com/the-priority-of-retirement 

Contact Shawn:

Website- https://www.retirewisepro.com/ 

YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg 

LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise 

Instagram- https://www.instagram.com/retirewise_llc/ 

Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/ 

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

Insurance products are offered through the insurance business, Retire Wise, LLC. Retire Wise, LLC. is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by Retire Wise, LLC. are not subject to Investment Adviser requirements. Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims-paying abilities of the issuing carrier. This podcast radio show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual’s situation. Retire Wise, LLC. is not permitted to offer, and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein were provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Retire Wise, LLC. 2909872 – 5/25

In this final chapter, you'll gain valuable insights from Shawn regarding vital strategies for confident retirement planning, the profound impacts of generosity, and the importance of leaving a lasting legacy. Discover how to navigate the complexities of retirement with confidence and ensure not just financial preparedness but also a fulfilling and meaningful retirement journey. Sit back, relax, and join us as we uncover the key elements to a confident future with Shawn, your guide to financial preparedness.

Shawn answers:

• How does the act of generosity, as described in the text, not only benefit the recipient but also positively impact the mental, emotional, and social well-being of the giver and society as a whole?
• In what ways can incorporating generosity into financial planning, such as strategic philanthropy and estate planning, contribute to creating a lasting legacy and positive impact on communities and future generations?
• How does Ron Blue use the story of Joshua and Caleb to illustrate the transformative power of generosity in changing one's perspective on financial challenges?
• In what ways does the story of Peter, Emily, and their daughters underscore the importance of giving from the heart rather than out of obligation, as advocated by Ron Blue?

"We help everybody out, but no matter what stage you're in. If you're young, do it now. If you don't have a plan in place, let's go get one." — Shawn Maloney

Get a free copy of Shawn’s book “The Priority of Retirement” here- https://www.retirewisepro.com/the-priority-of-retirement 

Contact Shawn:

Website- https://www.retirewisepro.com/ 

YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg 

LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise 

Instagram- https://www.instagram.com/retirewise_llc/ 

Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

Insurance products are offered through the insurance business, Retire Wise, LLC. Retire Wise, LLC. is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by Retire Wise, LLC. are not subject to Investment Adviser requirements. Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims-paying abilities of the issuing carrier. This podcast radio show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual’s situation. Retire Wise, LLC. is not permitted to offer, and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein were provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Retire Wise, LLC. 2909872 – 5/25

In this chapter, you'll gain valuable insights from Shawn regarding the fundamentals of retirement planning, delving into the Income Hierarchy Pyramid, strategic retirement budgeting, debt management tips, the bucket strategy for savings, and personalized financial planning. So, sit back, relax, and join us as we uncover the key elements to a happy and confident retirement with Shawn, your guide to financial preparedness.

Shawn answers:

• How does the income hierarchy pyramid offer a structured approach to retirement budgeting, and what role does it play in ensuring retirees can cover their essential needs while also enjoying a comfortable lifestyle?
• Why is it crucial for retirees to carefully assess and manage debt before retirement, and how does eliminating debt contribute to financial security and overall happiness during retirement?
• How does the bucket strategy provide retirees with a structured approach to managing their retirement savings, and what advantages does it offer in terms of risk management, inflation protection, and flexibility?
• What steps should retirees take to implement and optimize the bucket plan, and how can working with a financial planner help ensure that retirement assets are allocated appropriately according to individual financial situations and retirement goals?

"We're going to be transparent and honest. It doesn't do us any good to sugarcoat something for you." — Shawn Maloney

Get a free copy of Shawn’s book “The Priority of Retirement” here- https://www.retirewisepro.com/the-priority-of-retirement 

Contact Shawn:

Website- https://www.retirewisepro.com/ 

YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg 

LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise 

Instagram- https://www.instagram.com/retirewise_llc/ 

Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/ 

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

Insurance products are offered through the insurance business, Retire Wise, LLC. Retire Wise, LLC. is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by Retire Wise, LLC. are not subject to Investment Adviser requirements. Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims-paying abilities of the issuing carrier. This podcast radio show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual’s situation. Retire Wise, LLC. is not permitted to offer, and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein were provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Retire Wise, LLC. 2909872 – 5/25

In this chapter, you'll gain valuable insights from Shawn regarding practical tips on maximizing retirement savings, the importance of optimizing Social Security benefits, and strategies for effective financial planning across different phases of retirement. So sit back, relax, and join us as we uncover the secrets to a happy and prosperous retirement with Shawn, your guide to financial wisdom.

Shawn answers:

• How can retirees effectively allocate their funds across the needs, wants, and wishes categories to ensure financial security and fulfillment during the Go-Go Years of retirement?
• What strategies can retirees employ to balance funding their basic needs with fulfilling their wants and wishes during the initial phase of retirement, known as the Go-Go Years?
• Why is the decision of when to begin taking Social Security benefits critical for retirees, and how does proper Social Security optimization contribute to a more secure retirement?
• How does the concept of downsizing during the Slow-Go Years not only simplify retirees' lives but also potentially free up significant financial resources for their retirement?

"Every situation is personal, just like every retirement plan is different." — Shawn Maloney

Get a free copy of Shawn’s book “The Priority of Retirement” here- https://www.retirewisepro.com/the-priority-of-retirement

Contact Shawn:

Website- https://www.retirewisepro.com/

YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg

LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise

Instagram- https://www.instagram.com/retirewise_llc/

Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/

Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

Insurance products are offered through the insurance business, Retire Wise, LLC. Retire Wise, LLC. is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by Retire Wise, LLC. are not subject to Investment Adviser requirements. Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims-paying abilities of the issuing carrier. This podcast radio show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual’s situation. Retire Wise, LLC. is not permitted to offer, and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein were provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Retire Wise, LLC. 2909872 – 5/25