Afleveringen
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Most people don’t think about market swings until their retirement accounts take a hit. If your 401(k) balance is dropping or you’re feeling uneasy, you’re not alone. Recent shifts, fueled by tariff changes and global uncertainty, have left many wondering what to do next. But you don’t have to ride this out blindly.
We break down why this is happening, how it impacts your savings, and what you can do to stay on track. Some investors take on more risk than they realize, and waiting too long to adjust can cost them. Knowing how to match your investments with your comfort level can make all the difference.
By the end, you’ll have a clearer picture of what’s happening, how past downturns compare, and ways to protect your retirement without panic moves. Because the best way forward is always preparation—not fear.
You will want to hear this episode if you are interested in... (0:00) Why retirement savings feel unstable (6:40) Listeners’ concerns about retirement savings (9:30) The risk of being too aggressive with investments (11:40) The danger of over-concentration in a single stock (13:30) Social Security misunderstandings and key takeaways Resources & People Mentioned 3 Steps to Retirement Planning Visit Yahoo Finance to explore past market trends 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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Most people heading into retirement focus on the numbers—savings, pensions, Social Security, and investments. But the biggest risk isn’t always financial. The way you think about retirement can shape your entire experience, and too often, blind spots get in the way of a smooth transition. Conversations with pre-retirees show just how much mindset influences confidence, decision-making, and even long-term security.
Common concerns like running out of money, healthcare costs, and inflation are valid, but they’re not always the biggest threats. Shifting focus can reveal risks that were never even on the radar. With the right adjustments, retirement can feel less like a leap into the unknown and more like a plan coming together. Plus, some important listener questions get answered, covering pensions, taxes, and financial planning decisions that can make all the difference.
Resources & People Mentioned 3 Steps to Retirement Planning Pension Benefit Guaranty Corporation (PBGC) Information – pbgc.gov 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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Most people assume that if they’ve saved diligently, their retirement is secure. But the reality is that certain financial decisions—ones that seem harmless or even smart in the moment—can quietly erode your long-term security. Whether it’s taking on unexpected debt, mismanaging investments, or making emotional money moves, these mistakes can cost retirees tens (or even hundreds) of thousands of dollars over time.
Today, we uncover some of the most common and costly retirement pitfalls that people don’t see coming. From high-interest home equity loans to over-investing in trendy stocks, we break down why these decisions can backfire and what you can do instead to protect your future. By the end of this episode, you’ll have a sharper eye for potential risks and a game plan to ensure your money lasts as long as you do.
You will want to hear this episode if you are interested in... (0:00) Retirement pitfalls (2:15) The biggest retirement mistakes people are making (5:12) The hidden cost of home equity loans & big purchases (10:30) Overloading on tech stocks & risky investments (13:49) The financial risks of helping adult children (19:20) Unnecessary life insurance & taking advice from the wrong people (25:00) Social Security, behavioral mistakes & staying on track Resources & People Mentioned 3 Steps to Retirement Planning Frank Luntz's Research 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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How do you turn your retirement savings into a steady paycheck that lasts? I’ve had a lot of questions about this lately—and for good reason. Without a well-thought-out withdrawal plan, people risk running out of money too soon, paying more in taxes than necessary, or simply feeling uncertain about how to manage their nest egg. Shifting from saving to spending isn’t always easy, and I want to help people feel confident in their approach.
That’s why I like to keep things simple and intentional. In this episode, I’ll walk through a practical way to organize retirement savings into different “buckets” based on when the money will be needed. I also share a real example of how someone ended up paying thousands more in taxes than necessary—just because of the way they withdrew their money. With a little planning, retirees can make their savings last and still have the freedom to enjoy life.
You will want to hear this episode if you are interested in... (0:00) Intro (1:10) Sources of Income (3:05) Costly Withdrawal Mistakes (7:50) The Spending Mindset Shift (12:10) The Three-Bucket Method (18:40) Which Accounts to Use First (24:00) Adjusting Over Time Resources & People Mentioned 3 Steps to Retirement Planning Retirement Budgeting Tool 2025 Market Outlook from LPL Financial Episode 72: The Bucket Strategy 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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Are you or someone you love a teacher, firefighter, or government worker? If so, you might be impacted by two little-known Social Security provisions—the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO). These rules have reduced or even eliminated Social Security benefits for millions of hardworking Americans.
But change is finally here. The Social Security Fairness Act could make a massive difference for retirees like you. Today, we’re breaking down what this legislation means, who it impacts, and how it could completely transform your retirement.
Plus, I’ll answer your listener questions about:
How to avoid early withdrawal penalties on retirement funds if you retire before 59 ½ Contributing to a Roth IRA when you don’t have a paycheck Navigating deferred compensation plans without creating a tax headache What happens to your HSA funds after retirementIf you’re ready to maximize your retirement benefits and make confident decisions about your future, you’re in the right place. Let’s dive in!
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You will want to hear this episode if you are interested in... [4:10] What we’re covering in today’s episode [5:29] What’s happening with Social Security [6:33] Understanding the Social Security Fairness Act [11:35] Potential changes to how Social Security is taxed [15:57] Listener Question #1: Avoiding an early withdrawal penalty [19:27] Listener question #2: Can you contribute to a Roth IRA without a paycheck? [23:17] Listener question #3: Deferred compensation plans [27:31] Listener question #4: What happens with HSA plans when you retire? [28:57] Listener question #5: How do you get a spousal benefit from an ex? [31:17] Listener question #6: How do you help retired family members? Resources & People Mentioned 3 Steps to Retirement Planning The Social Security Fairness Act Section 72(t) 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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Retirement is one of the biggest milestones in life, and for many, 2025 and 2026 will mark the beginning of this long-awaited chapter. As portfolios have outperformed expectations, more people are realizing their retirement dreams sooner than planned.
In this episode, I’ll share inspiring client stories, practical lessons from 2024, and key insights to help you prepare for your own journey. From understanding why bonuses matter more than you think to exploring the power of legacy planning, we’ll cover the essential strategies to navigate retirement with confidence.
Whether you’re nearing retirement or just starting to plan, these takeaways will equip you to make the most of your future.
You will want to hear this episode if you are interested in... [0:38] Make sure to check out our YouTube channel [2:57] Why you should never turn down a bonus [7:45] There will be a lot of people retiring in 2025/2026 [14:48] Lesson #1 from 2024 [16:48] Lesson #2 from 2024 [19:34] Lesson #3 from 2024 Resources & People Mentioned 3 Steps to Retirement Planning 2025 Market Outlook 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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As the year comes to a close, it’s the perfect time to review your financial strategy and make the most of every opportunity to optimize your tax situation. In this episode of Retirement Made Easy, we’re diving into practical, actionable year-end tax planning tips to help you finish the year strong.
You’ll learn how tax-loss harvesting can save you money, when a Roth conversion might be a smart move, and how charitable giving, 529 plans, and IRA contributions could work in your favor. We’ll also cover key considerations for retirees and why taking a close look at where you stand for the year is so important. Take charge of your year-end planning today.
You will want to hear this episode if you are interested in... [1:30] Submit a question at RetirementMadeEasyPodcast.com! [2:27] Can you take advantage of tax-loss harvesting? [4:41] Are you able to make any Roth conversions? [9:54] Charitable giving, 529 plans, and IRA contributions [12:30] Considerations for someone already retired [13:44] Where do you stand for the year? Resources & People Mentioned 3 Steps to Retirement Planning 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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Curious about the changes coming to IRAs and 401Ks in 2025? In this episode of Retirement Made Easy, we’re breaking down the latest updates to help you plan your retirement strategy. Learn about the new contribution limits for IRAs, Roth IRAs, and 401Ks, including special allowances for those aged 60–63. We’ll also cover updated income limits for Roth IRAs, automatic enrollment in 401Ks, and reduced penalties for missed required minimum distributions (RMDs) on inherited IRAs. Don’t miss this essential guide to staying ahead of the curve and making the most of your retirement savings!
You will want to hear this episode if you are interested in... [2:24] Visit RetirementMadeEasyPodcast.com for FREE resources [3:00] IRA and Roth IRA contributions for 2025 [4:32] Contribution limits for 401Ks [7:03] Income limits for Roth IRAs [8:41] Penalties for missed RMDs of inherited IRAs [16:28] More changes to come for 2025 Resources & People Mentioned 3 Steps to Retirement Planning Visit RetirementMadeEasyPodcast.com for FREE resources 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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In this episode of the Retirement Made Easy Podcast, we dive deep into the 2025 Cost-of-Living Adjustment (COLA) for Social Security. We break down how the COLA works and what it means for your retirement planning.
With the 2025 COLA coming in at 2.5%, we explore how this adjustment could affect your benefits—whether you’re still working or already collecting Social Security. We also discuss the projected rise in Medicare Part B premiums and why it’s crucial to plan conservatively for future costs.
Tune in to discover how the COLA can be a powerful tool in your retirement strategy, while understanding the importance of not relying too heavily on it. If you’re planning for retirement, this episode is packed with essential insights to help you build a more secure financial future.
You will want to hear this episode if you are interested in... [2:13] Check out our free resources at RetirementMadeEasyPodcast.com [3:18] How Social Security’s cost-of-living adjustment works [8:25] What type of COLA should we project for the future? [10:36] Expected future cost of Medicare Part B premiums [13:25] The COLA is incredibly powerful [17:40] Retirement is a journey—not a finish line [20:25] Plan conservatively and err on the side of caution Resources & People Mentioned 3 Steps to Retirement Planning Cost-of-Living Adjustment History Monthly Part B Premiums and Annual Percentage Increases Calculating Medicare Part B costs 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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One of the biggest questions people have about retirement planning is: “Will I have enough saved?” This episode of Retirement Made Easy dives into just that—how to determine the “magic number” you’ll need to retire comfortably and securely.
From evaluating your current expenses to assessing your future goals, we will start to cover all the bases to help you calculate your retirement needs with confidence.
Whether you're thinking about traveling, leaving a legacy for your loved ones, or simply covering the basics, this episode offers practical steps to ensure your money lasts through retirement, no matter how long that might be.
Listen in to find out how to navigate expenses, balance risk, and prepare for a lasting retirement.
You will want to hear this episode if you are interested in... [2:50] Get free resources at RetirementMadeEasyPodcast.com [4:56] Look at your expenses, budget, and income [12:04] What do you like to spend money on? [14:42] How much will you need to save? [18:35] Do you want to leave an inheritance? Resources & People Mentioned 3 Steps to Retirement Planning I'm 65 With $1 Million - How Much Can I Expect to Spend in Retirement? EveryDollar 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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When it comes to retirement, healthcare planning isn’t just an afterthought—it’s one of the most important decisions you’ll make. Will your current savings cover future healthcare expenses? How will you bridge the gap if you retire before Medicare kicks in? Without a solid plan, unexpected medical costs could delay your dream retirement.
In Episode #173, we break down the key questions and strategies you need to consider to stay ahead of healthcare challenges in retirement. Whether you’re planning for your own retirement or helping a spouse navigate Medicare options, this episode will arm you with the tools to retire on time and on your terms.
You will want to hear this episode if you are interested in... [1:45] The five pillars of retirement planning [2:20] Check out RetirementMadeEasyPodcast.com for free resources! [3:41] Do you have to wait until you’re 65 to retire and get on Medicare? [6:31] Saving in an HSA can cover healthcare expenses [10:53] Will healthcare expenses delay your retirement? [13:07] What will Obamacare cost per month? [16:18] Does your employer pay out unused vacation days? [17:49] Why would you consider transferring money into an HSA? [20:44] The basics of Medicare + supplements [25:53] Benefits and drawbacks of Medicare Advantage plans [30:23] Does your plan adequately adjust for inflation? [31:09] Check out the Retirement Made Easy YouTube channel Resources & People Mentioned 3 Steps to Retirement Planning Obamacare Federal Poverty Level 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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Getting through retirement while being able to pay all of your expenses is the goal. But how do you make it happen? You’ll have to make decisions before and during retirement that will impact whether or not it’s successful. I answer some questions directly related to financially surviving retirement in this episode of Retirement Made Easy.
You will want to hear this episode if you are interested in... [1:46] Question #1: Should you build an expected inheritance into your plan? [5:19] Question #2: How can you calculate costs in retirement? [8:24] Question #3: How does disability work with life insurance? [10:25] Question #4: How does the survivor benefit work when divorced? [13:05] Question #5: Why do you need to find specialists? Resources & People Mentioned 3 Steps to Retirement Planning 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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When are the best times for Roth conversions? Should you invest in a target-date fund? Can you avoid the 10% early withdrawal penalty? These are just a few of the questions I’ll tackle in this special Listener Questions edition of Retirement Made Easy!
Preparing for retirement is complicated at best. I want to make sure I’m consistently answering the questions that are top of mind for my listeners. So if you have a question, head on over to RetirementMadeEasyPodcast.com and submit one!
You will want to hear this episode if you are interested in... [0:28] Submit questions are RetirementMadeEasyPodacst.com [2:57] Question #1: When are the best times for Roth conversions? [8:23] Question #2: Should you invest in a target-date fund? [13:59] Question #3: How do I request a lump sum pension? [16:57] Question #4: Can you avoid the 10% early withdrawal penalty? [19:55] Question #5: How does 401K matching work? [22:28] Question #6: How does the survivor benefit work when divorced? [25:07] Question #7: How do long-term capital gains taxes work? Resources & People Mentioned Check out the Retirement Made Easy YouTube channel! 3 Steps to Retirement Planning Rule 72T 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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When should you claim your Social Security benefits? What do benefits look like for teachers who contribute to Teacher Retirement Systems? What is the survivor step-up strategy? In this episode of Retirement Made Easy, we’ll dive into some of the more complex areas of Social Security that people need to know about but are rarely told.
You will want to hear this episode if you are interested in... [1:48] Check out our website for some FREE resources [2:27] Should you claim sooner or later? [6:19] The way Social Security is taxed [8:51] The GPO or WEP rules for survivor benefits [12:17] The survivor step-up strategy [19:34] Cost-of-living adjustments [24:03] How the spousal benefit works Resources & People Mentioned 3 Steps to Retirement Planning Widows Move Forward on Their Own – But Not Alone Social Security Cost of Living Adjustment 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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Social Security can be difficult to understand. The rules can be difficult to decipher. Answers are nearly impossible to find. This leaves most people frustrated and confused.
In this episode, I’m going to separate the truths from the many rumors you often hear and help you build your knowledge about Social Security. My goal is for you to walk away more informed about your future. Don’t miss it.
You will want to hear this episode if you are interested in... [0:34] Make sure you follow our YouTube channel! [4:17] How do you earn a Social Security check? [8:27] How does the spousal benefit work with credits? [11:43] How do spousal benefits work with ex-spouses? [13:26] How does the survivor benefit work? [16:04] Understanding your Social Security statement [18:03] Collecting your benefits while working [19:40] How benefits are allocated monthly [20:39] What if you want to collect benefits and work? [23:21] Suspending or stopping your Social Security benefits Resources & People Mentioned 3 Steps to Retirement Planning SSA: How You Become Eligible for Benefits SSA: Primary Insurance Amount SSA: Form W-4V SSA: Form 521 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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2024 has already been full of many in-depth conversations with current and prospective clients. There have been some common threads among most of those conversations. From those common threads, I’ve pulled five lessons that we can all learn and benefit from when planning for retirement. Listen to this episode of Retirement Made Easy to learn what they are!
You will want to hear this episode if you are interested in... [2:41] Lesson #1: Be careful who you get advice from [8:42] Lesson #2: Invest in line with your risk tolerance [12:29] Lesson #3: Make sure you have the details right [16:18] Lesson #4: Don’t be overconfident [18:50] Lesson #5: Always ask, “What am I missing?” Resources & People Mentioned 3 Steps to Retirement Planning 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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Lately, I’ve been getting a lot of questions about 401K loans and whether or not they’re worth it. People are asking things like, “How do you take out the loan? How does paying it back work? Should we ever consider it? What are our other options?”
I’m a financial planner. My job is to give you all of the information necessary so you can make informed decisions. Because at the end of the day, these decisions are yours. So, in this episode of the Retirement Made Easy podcast, I’m going to give you the full picture and let you decide.
You will want to hear this episode if you are interested in... [3:10] Check out our website for FREE resources [4:45] The basics of 401K loans [7:55] The risks of taking a 401K loan [14:06] Dipping into a Roth IRA [15:49] Alternatives to a 401K loan [19:34] Consider short-term and long-term goals Resources & People Mentioned 3 Steps to Retirement Planning Check out our website for FREE resources The 5-year Roth IRA rule Episode #118: 3 Types of Accounts You Want to Have to Save for Retirement 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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People often ask me where they should retire. Should they relocate to a new city or state? Most people assume when they retire that they need to move to make the most of their income.
But the answer isn’t clear-cut. Everyone has different preferences. In this episode of Retirement Made Easy, I’ll dive into some of the factors you should consider to make that decision.
I’ll also cover a few areas of retirement planning that have most people confused and shed some light on the situation. Don’t miss it!
You will want to hear this episode if you are interested in... [1:58] The Mid-Year Market Outlook is coming in July! [2:57] Where is the best place to retire? [4:51] Factors that influence people to relocate [13:56] When do you have to take required minimum distributions? [16:48] Most people don’t understand Roth conversions [19:00] You are responsible for the outcome of your 401K Resources & People Mentioned 3 Steps to Retirement Planning SECURE 2.0 Act The Most Affordable U.S. States to Retire in 2024 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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“I’m 60 years old and have $1 million saved. Do I have enough to retire?”
I had a conversation with someone who had saved over $1 million and had been told he could retire. So he did retire—and completely regretted it. He wishes someone had told him to wait longer. Sadly, $1 million doesn’t go that far anymore.
Too many people answering this question neglect to address all of the factors that influence whether or not you’ve saved enough to retire. In this episode of the Retirement Made Easy podcast, I’ll dive into some of the factors you need to consider in three different scenarios. Because you have to take into account far more than what you have saved.
You will want to hear this episode if you are interested in... [3:49] Scenario #1: Retiring at 60 with $1 million saved [7:41] Scenario #2: Retiring at 60 with $1 million saved [12:53] Scenario #3: Retiring at 60 with $1 million saved [17:00] Why the answer is never as simple as yes or no Resources & People Mentioned 3 Steps to Retirement Planning 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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Over the last two months, we’ve had close to 8 people contact us to put together a retirement plan because they’re fearful of being downsized. If they got laid off, could they afford to retire? People are looking for peace of mind and a retirement plan helps cover the what-ifs in life.
Tom Hegna wrote the book, “Don’t Worry, Retire Happy.” In it, he brings up some good points when it comes to retirement planning and what to be aware of. I tweaked his methodology to make it my own. So in this episode of the Retirement Made Easy podcast, I’ll cover the 7 steps you need to have a secure retirement.
You will want to hear this episode if you are interested in... [0:28] Why you need a retirement plan in place (and how we can help you) [6:11] Step #1: Get a retirement plan in place [8:05] Step #2: Maximize Social Security benefits and pensions [8:45] Step #3: Consider a hybrid retirement [10:40] Step #4: Account for inflation [14:51] Step #5: Protect your dollars from taxes [17:30] Step #6: Have a plan for long-term care [18:46] Step #7: Use your home equity wisely Resources & People Mentioned 3 Steps to Retirement Planning “Don’t Worry, Retire Happy" 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 YouTubeSubscribe to Retirement Made Easy
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