You may believe your retirement is all set, with savings secured and timelines mapped out, but then the questions start flooding in, shaking that sense of certainty. This episode reveals the questions people start asking as retirement gets closer, from Roth conversions and Social Security to how inherited money works..

Gregg walks through questions from listeners and clients that reveal the lesser-known stuff, like why turning 73 or 75 matters way more than you’d expect, what changes if you’re still working, or how one checkbox on a beneficiary form can shift who ends up with your money. There’s also a closer look at long-term care insurance and why the math on it surprises most people.

This episode will make you stop and rethink your assumptions so that it doesn’t cost you dearly in the future.

You will want to hear this episode if you are interested in...

• (0:00) The real retirement questions you should ask sooner rather than later.
• (03:45) Listener question #1 - Roth conversions and the five-year rule.
• (05:04) Listener question #2 - Roth IRA vs. Roth 401(k) contribution limits.
• (07:44) Listener question #3 - Beneficiary designations: pro rata vs. per stirpes.
• (10:38) Listener question #4 - Social Security growth after full retirement age.
• (14:37) Listener question #5 - What if Social Security income becomes tax-free?
• (14:41) Listener question #6 - Required minimum distributions and age updates.
• (19:28) Listener question #7 - Why long-term care insurance costs as much as it does.
• (24:18) Listener question #8 - When retirement income and market dips collide.

Resources & People Mentioned

• 3 Steps to Retirement Planning
• Ed Slott - America’s IRA Experts - https://irahelp.com/

Connect With Gregg Gonzalez

• Email at: [email protected]
• Podcast: https://RetirementMadeEasyPodcast.com
• Website: https://StLouisFinancialAdvisor.com
• Follow Gregg on LinkedIn
• Follow Gregg on Facebook
• Follow Gregg on YouTube

 

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