The Secure Retirement Method Podcast

Retirement is not without its challenges...

What are the key financial risks and how can you safeguard your future?

In this episode, hosts April Schoen and John Curry unravel the top five financial risks in retirement, and share insights on how to effectively manage and reduce them for a secure future.

You’ll discover:

• The surprising impact longevity can have on your financial security.
• Why traditional financial planning may not be enough for your retirement.
• How market volatility could be a hidden danger in your golden years.
• The role of taxes in your retirement income and how to plan wisely.
• Essential questions to ask yourself as you prepare for retirement.

Retirement is a time for relaxation and enjoyment, but what happens when life's unexpected events disrupt your plans?

In this episode, April Schoen guides you through crucial strategies to financially prepare for unexpected retirement events.

In this episode, you’ll discover:

• The real-life impact of health-related surprises and how to plan for them.
• Why diversifying income sources is essential for retirement stability.
• How to leverage whole life insurance for financial flexibility.
• Strategies to handle family and life changes without derailing your financial plans.
• The importance of estate planning in securing your financial future.

Taxes might be daunting, but mastering them can mean thousands more for your golden years!

In this essential episode, April Schoen dives deep into tax strategies specifically designed for Florida Retirement System (FRS) members. Discover how expert tax planning could unlock more wealth and flexibility than you ever imagined for your retirement.

You’ll discover:

• Why tax planning is the key to more after-tax income in your retirement.
• How different types of accounts—tax-deferred, taxable, and tax-free—impact your taxes.
• Real-life case studies showing the transformative power of Roth conversions.
• The surprising impact of Medicare premiums and how your income influences them.
• Secrets to leveraging cash value life insurance for tax-free withdrawals and loans.

In this episode, April Schoen dives deep into the secrets of setting meaningful financial goals for the new year to guide you towards a secure and prosperous 2025.

In this episode, you’ll discover…

• The pivotal role of the SMART framework in financial planning
• Unique strategies for building a robust emergency fund
• Methods to maximize your retirement contributions effectively
• Insights into tackling high-interest debt with precision
• Practical tips for creating a balanced investment portfolio

How can a simple program supercharge your retirement income strategy?

In this episode, April Schoen breaks down the intricacies of DROP, The Deferred Retirement Option Program, and its latest updates impacting your financial future.

In this episode, you’ll discover…

• The enticing benefits that make the DROP program a game-changer.
• Key eligibility changes in 2023 that could affect your retirement timeline.
• Various pension options within DROP and how they cater to different retirement goals.
• The significant pros and cons that you'll need to weigh before opting for DROP.
• Strategic ways to manage your DROP payout to maximize retirement benefits and minimize taxes.

Retirement planning can be confusing and filled with misinformation. How can you ensure you're making the best choices for your future?

In this episode, John Curry and April Schoen, tackle the common questions and misconceptions about the Florida Retirement System (FRS) that many employees face.

You’ll discover…

• A surprising truth about why some employees might opt for the Investment Plan over the Pension Plan.
• The critical differences in vesting periods that could impact your retirement plans.
• Why understanding pension options is pivotal to avoid costly consequences.
• Essential steps for coordinating your pension, Social Security, and other financial resources.
• How to navigate the complexities of the DROP program for a more powerful retirement strategy.

Retirement isn't just about building a nest egg—it's about crafting a balanced, fulfilling life. Dive into a conversation that goes beyond the numbers.

In this episode, John and April uncover the holistic approach to retirement planning that goes far beyond financial savings.

You’ll discover…

• Why retirement planning involves much more than just accumulating wealth
• Four essential areas to focus on for a balanced retirement
• How to identify your personal retirement needs and goals
• A unique approach that differentiates Curry Schoen Financial from other advisors
• The most common yet overlooked expenses you need to prepare for

Planning your retirement can be a maze, but knowing when to claim your Social Security benefits might just be the key to unlocking a secure future. Ready to make the most pivotal decision of your retirement journey?

In this episode, April Schoen, dives into the intricacies of Social Security, outlining strategies to ensure your golden years are actually golden.

You’ll discover…

• How to determine if you and your spouse qualify for Social Security benefits.
• Various timing strategies for claiming your benefits to maximize your income.
• The critical differences between spousal and survivor benefits.
• How your work history and earnings impact your Social Security payments.
• The often-overlooked tax implications of taking Social Security benefits.

Retirement planning can be overwhelming, but what if you could uncover strategies to secure a steady income and live stress-free?

In this episode, April Schoen dives deep into various strategies to maximize your retirement income and ensure financial stability.

You’ll discover…

• The key factors influencing the timing and strategy of claiming Social Security benefits.
• Different pension options and the impact of your choices on long-term financial health.
• Strategies to transform your retirement investments into a reliable income stream.
• The pros and cons of annuities and how they could fit into your financial plan.
• The significance of asset allocation and diversification for risk management and stable returns.

Drowning in paperwork and unsure how long to keep important documents? Don't let the clutter consume you! Learn the secrets to organizing your financial life and gain peace of mind.

In this episode, Erika Bell, owner of Organize with E, shares her expertise on how to effectively manage paperwork, digitize documents, and communicate crucial information to loved ones.

In this episode, you'll discover…

• A surprising tip for conquering the overwhelming feeling of paperwork buildup
• The key to creating a personalized organizational system that works for your unique habits
• A simple rule to prevent clutter from taking over your life
• The critical conversations you need to have with family about important documents
• The one thing you must do to ensure your loved ones can access vital information when needed