The Retirement Solution

It doesn’t make sense when you can get a higher return for a 1-year bond than a 3-year bond, but that is what’s happening right now. It’s called an ‘inverted yield curve’ and it often signals a recession, which some say is still possible. So, what does that mean for a retiree's portfolio?

 

In this episode of the Retirement Solution, Jon Hicks unpacks the complicated narrative of today’s economy. While the term "recession" has been swirling around, it hasn't fully materialized. Meanwhile, increasing life expectancies mean that locking in rates for three, five, or even ten years could be more beneficial than you think.

 

Uncover ideas to help protect principal and maximize earnings, all while weathering potential economic storms. Understand how the inverted yield curve may benefit your retirement plans and discover why some savvy investors are making the most of this unique financial climate.

 

Don’t let the economy control your financial future - Connect with Jon and his team at J Hagan Capital to learn about what opportunities you may have.

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A new study from Morningstar looked at the performance of TDF's over the last 15 years and concluded: “If Target Date Funds had never been invented, and Vanguard and Fidelity had placed that money in a balanced fund, investors would be significantly wealthier today.”

As you get closer to retirement, the TDF's in your accounts are supposed to move to more conservative investments. Yet, many lost significant amounts in 2022 because of the "bad" bond market.

 

In this episode, Jon argues that Target Date Funds are inefficient, costly, and can bear the burden of things like phantom income taxes.

 

But it’s not all doom and gloom… he also shares ideas on ways you may be able to build a well-orchestrated, simple portfolio that aligns with your risk tolerance and investment goals.

 

Don't let your retirement savings erode in the shadows of inefficiency. Connect with Jon and his team at J Hagan Capital to explore your available investment opportunities.

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Are you among the many Americans unaware of the tax consequences that may be looming within your retirement savings?

 

In this episode, Jon discusses the importance of understanding the tax implications of your retirement savings. He highlights the issue of required minimum distributions (RMDs) from traditional IRAs and 401(k)s, and how they could push you into a higher tax bracket, but strategies like Roth conversions could help ease these burdens.

 

For small business owners, landowners, and those contemplating the sale of assets, Jon discusses tax-saving strategies that may reduce your tax liability. Whether you're dealing with large land sales or considering the sale of a business, these insights could save you a significant amount.

 

Don't wait until you're hit with a massive tax bill; start planning now. Connect with Jon and his team at J Hagan Capital to explore what solutions may be available to you.

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As we enter the year’s 4th quarter, it's time to think about Required Minimum Distributions (RMDs). With the age for RMDs shifting to 73, it's crucial to understand how these distributions play a role in your plan. What if there was a better way to handle these withdrawals?

 

We hear from Morningstar’s Christine Benz who says for some, RMDs may actually present opportunities. Jon shares his thoughts on the idea, plus insight on strategies that may help mitigate their impact on your savings.

 

Connect with Jon and his team at J Hagan Capital for insight to help diffuse the "tax time bomb" often associated with RMDs, which may also create substantial savings on future taxes and offer more control over your retirement funds.

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On this episode of The Retirement Solution, Jon shares the personal story of his father who worked until he had a stroke at age 69. Personally, this experience taught Jon to live in the present and enjoy every moment he has with his family. Professionally, it has motivated him to help everyone he meets embrace the opportunities of retirement and understand how this new chapter can be filled with experiences, cherished moments, and personal fulfillment.

 

Having helped nearly 2000 people navigate the complexities of retirement planning, Jon has a deep understanding of building plans that are not just about financial stability, but about living life to the fullest as well.

 

Don't miss this heartfelt and eye-opening discussion that just may inspire you to rethink your options.

 

If you’ve been putting off retirement, connect with Jon and his team at J Hagan Capital to learn how they can help you craft the retirement you've been dreaming of.

 

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Recently, Jon had an opportunity to travel to Yale University and meet with two of the most respected individuals in the field of investing: Dr. Roger Ibbotson and Dr. William Goetzmann.

 

Dr. Ibbotson, founder of Morningstar, has revolutionized how we think about investments and risk. His colleague, Dr. Goetzmann has done extensive research in alternative investments, hedge funds, and the risk-reward relationship.

 

They are not only geniuses in their field, but now themselves are approaching retirement and understand the questions that many individuals have about investments in this next phase of life.

 

On this episode of The Retirement Solution, Jon asks for their insight on the many financial concerns retirees are facing today…This is their conversation.

 

Connect with Jon and his team at J Hagan Capital to learn more about building your retirement plan.

 

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The Wall Street Journal reports that many investors age 55 and up are putting most of their nest egg into the stock market, which could backfire if there was a major tumble, especially for older retirees.

 

On this episode of The Retirement Solution, Jon Hicks talks about what you can learn by following the investment models of top university endowments. These endowments have to spend money every year, regardless of what the market does (much like you’ll need to do after you leave the working world), so they have much experience in protecting their downside and generating consistent returns.

 

Jon explains how university endowments utilize alternative investments to help reduce risk and smooth out returns, as they’re often less correlated to the market.

He also shares his thoughts on the importance of having a spending plan in retirement to help you determine how much money you need to withdraw from your portfolio each year, so you don't run out of money too early.

 

Connect with Jon and his team at J Hagan Capital to learn ideas to better protect your retirement savings.

 

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Nowadays the choices on everything from home renovations to investment options seem endless, which can trigger “analysis paralysis” for many. On this episode of The Retirement Solution, Jon dives into the complexities of modern decision-making.

 

As the financial landscape constantly changes, even traditional indicators may no longer apply.  Financial analyst Eddie Gabor, sheds light on how the market's behavior can sometimes defy economic logic and emphasizes the need for caution in uncertain times.

To help navigate these waters, Jon shares more on insured indexing which could help protect your downside while giving you upside potential. Insured indexing is a concept that's been around, but higher interest rates make it more attractive now with potential for tax-efficient returns.

If you're looking for a way to protect your savings from inflation and get some upside potential, insured indexing is a strategy worth considering.

Discover what investment options may work within your retirement plan. Connect with Jon and his team at J Hagan Capital and get started today!

 

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On this episode of The Retirement Solution, Jon delves into financial strategies that may help safeguard your retirement income from surprising taxes.

 

Discover how seemingly harmless choices can inadvertently push you into higher tax brackets, costing you thousands. Jon explains how “bracket bumping” and "phantom income tax" could be hiding your accounts and eroding your savings, while offering ideas on alternatives to tax-inefficient mutual funds and strategies to avoid these pitfalls.

 

Ready to optimize your retirement income plan? Connect with Jon and his team at J Hagan Capital and get started today!

 

CLICK HERE to attend one of our upcoming workshops on Estate Planning.

 

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Matt Damon and Ben Affleck’s movie “Air” revolves around Nike's audacious risk in 1984 to build a shoe line around an unknown NBA rookie, Michael Jordan… the story prompts a thought-provoking question: “How much should you rely on intuition when designing your retirement plan?”

 

On this episode of The Retirement Solution, Jon looks at the dynamics of investment intuition versus mathematical strategy. Noting the distinction between intuition in business decisions and the emotion that often drives some to make poor investment decisions, Jon points out the importance of relying on mathematical strategies when planning for retirement.

 

With the current financial landscape, there are many lower-risk, alternative investment options for retirees.  Learn about structured notes, insured indexing, and other strategies that can provide guardrails while offering the potential for attractive returns. Discover how to balance the allure of the stock market with the need for a stable financial future.

 

If you're seeking insights on combining intuition and mathematics to better secure your retirement, connect with Jon and his team at J Hagan Capital.

 

CLICK HERE to attend one of our upcoming workshops on Estate Planning.

 

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