Retire With Ryan
199 episodes - English - Latest episode: 5 days ago -If you’re 55 and older and thinking about retirement, then this is the only retirement podcast you need. From tax planning to managing your investment portfolio, we cover the issues you should be thinking about as you develop your financial plan for retirement. Your host, Ryan Morrissey, is a Fee-Only CERTIFIED FINANCIAL PLANNER TM who lives and breathes retirement planning. He’ll be bringing you stories and real life examples of how to set yourself up for a successful retirement.
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Episodes
Busting 10 Medicare Myths, #198
April 24, 2024 07:00 - 14 minutes - 12 MBMedicare is confusing and complicated. Most people nearing retirement age have likely heard numerous mistruths regarding when to get it, what it does for you, and so much more. That’s why I’m busting the 10 most commonly perpetrated Medicare myths so you’ll know how to discern fact from fiction—and put your mind at ease. You will want to hear this episode if you are interested in... [0:53] Sign up for my online course: Retirement Readiness Review [1:21] Myth #1: You have to enroll in M...
7 Tips To Protect Yourself From IRS Scammers, #197
April 17, 2024 07:00 - 12 minutes - 10.6 MBHow can you protect your data and personal information from IRS scammers and criminals? Everyone is afraid of being audited by the IRS. Maybe you’re scared you may have filed your taxes incorrectly. Criminals take advantage of that fear to perpetuate their scams. But there are some simple things you can do to avoid falling victim to these scams. I’ll share 7 tips you can use to protect yourself from IRS scammers in this episode! You will want to hear this episode if you are interested in....
9 Ideas For Investing Your Tax Refund, #196
April 10, 2024 07:00 - 11 minutes - 9.04 MBDo you usually get a tax refund? What do you typically do with your tax refund? Do you have it earmarked for a specific purpose? As we’re inching closer to the tax filing deadline, I thought it would be interesting to share some ways you can wisely invest your tax refund. I’ll cover 9 ideas you can consider to make good use of your money. You will want to hear this episode if you are interested in... [1:42] Why are you getting a tax refund? [2:36] Idea #1: Save it for next year's taxe...
Save Taxes On Your 401K Through Net Unrealized Appreciation (NUA), #195
April 03, 2024 07:00 - 13 minutes - 11.4 MBDo you own stock in the company that you work for in your 401K? Net unrealized appreciation could potentially save you a significant amount of money on your taxes when you start making withdrawals. I’ll share how to take advantage of the process as well as mistakes to avoid making in this episode of Retire with Ryan. You will want to hear this episode if you are interested in... [1:00] Sign up for my Retirement Readiness Review! [1:26] What is net unrealized appreciation? [3:31] How ...
Is It Time To Start Selling Your Money Market Funds? #194
March 27, 2024 07:00 - 12 minutes - 10.4 MBThe Federal Reserve Met on 3/20/24 to discuss monetary policy and whether or not to raise or lower interest rates. They announced that they won’t make any changes. Most experts believe that they’ll lower interest rates in June. So should you start selling your money market funds and short-term bond funds? When should you do it? Should you move the money into something that could benefit from decreasing interest rates? In this episode, I’ll discuss why we invest in money market funds, if yo...
2023 Roth IRA and Traditional IRA Contribution Limits, #193
March 20, 2024 07:00 - 15 minutes - 12.3 MBAs we get closer to the tax filing deadline (April 15th), I wanted to talk about contributing to a Roth IRA or traditional IRA. In this episode, I’ll cover contribution and deduction limits, spousal IRAs, and non-deductible IRA contributions (and why you’d want to consider them). You will want to hear this episode if you are interested in... [1:16] Sign up for Retirement Readiness Review! [1:49] Traditional IRA contributions/deductions [6:45] Roth IRA contribution limits [9:02] The...
Dispelling 7 Myths about Indexed Universal Life Insurance with Andy Panko, #192
March 13, 2024 08:00 - 33 minutes - 26.9 MBWhat is Indexed Universal Life Insurance? Is it something you should consider investing in? Are the rumors you’ve heard about it true? In this episode, Andy Panko (of Tenon Financial) and I dispel 7 myths that are circulating about UILs and we cover what you need to know to make an informed decision about the insurance product. You will want to hear this episode if you are interested in... What is Indexed Universal Life Insurance? [1:46] Myth #1: It’s a secret the wealthy don’t want y...
Tax-Free 529 To Roth IRA Considerations, #191
March 06, 2024 08:00 - 13 minutes - 10.8 MBOn December 23rd, 2022, congress passed the SECURE 2.0 Act. Among the many changes, one of them had to do with 529 plans. You can now make tax-free and penalty-free rollovers from a 529 plan to a Roth IRA. This became effective 1/1/2024. Before this, if you wanted to take a non-qualified withdrawal from a 529 plan (using the money for something outside of school expenses) the gain was subject to income tax and a 10% penalty. It’s similar to taking a withdrawal from an IRA. If you have ...
7 Reasons To Invest In A Taxable Brokerage Account with Shaun Jones, #190
February 28, 2024 08:00 - 27 minutes - 22.4 MBWhat are some overlooked benefits of investing for retirement in a brokerage account? Why would you want to invest in a brokerage account in addition to a 401k or other retirement account? Shaun Jones—the President of Jones Fiduciary Wealth Management and author of “Unbrainwashed Investing”—shares 7 reasons to invest in a taxable brokerage account in this episode of Retire with Ryan. You will want to hear this episode if you are interested in... [1:53] A brokerage account gives you increa...
Overcoming Investor Biases with Brie Williams, #189
February 21, 2024 08:00 - 34 minutes - 4.94 MBAre you aware of how your biases—both conscious and unconscious—impact your investment decisions? Brie Williams of State Street Global Advisors joins me in this conversation to talk not only about the impact of biases on decision-making but how to cultivate an awareness of your biases to change your behavior, ultimately leading to better decisions. You will want to hear this episode if you are interested in... [1:33] Brie’s role at State Street Global Advisors [3:33] The role of emotio...
Super Bowl XLVIII Fun Facts and Sports Betting Taxation, #188
February 14, 2024 08:00 - 16 minutes - 22.4 MBLast year’s Super Bowl set the record as the most-watched TV event in Nielsen rating history at over 150 million viewers. It’s hypothesized that this year’s Super Bowl is going to set a record for something completely different: The most amount of money bet on a Super Bowl. Why? Because sports betting is now legal in 38 states. So if you’re one of the 68 million Americans estimated to bet over $23.1 billion on the Super Bowl this year, how will winning impact your income taxes? Learn what...
Reframing Your Retirementality With Mitch Anthony, #187
February 07, 2024 08:00 - 21 minutes - 17.7 MBBefore you think about when you’re going to retire there’s another question that should be addressed: Are you going to retire? It’s assumed that when you turn 62 or 65, you’re going to retire. And many people do count the days until they retire. But many others love the careers they’re in and can’t imagine stopping. Their concern is that they’ll get pushed out the door. The bottom line is that age tells us nothing. No one is the same. So we can’t treat them the same. That’s one of the c...
Lower Your Taxes In Retirement With A Qualified Charitable Distribution, #186
January 31, 2024 08:00 - 14 minutes - 11.5 MBAs you enter retirement, tax planning is something that must be prioritized. A Qualified Charitable Distribution (QCD) can be a great tool in your arsenal to help you minimize the taxes you have to pay. So what is a Qualified Charitable Distribution (QCD)? How can it actually help you lower your taxes? In this episode, I’m going to cover what a QCD is, how you make one, and how it can help lower your taxes. I’ll also share a few examples of what a QCD might look like. You will want to hea...
Should You Invest in a Bitcoin ETF?, #185
January 24, 2024 08:00 - 13 minutes - 10.7 MBThe SEC recently and historically approved 11 Bitcoin spot ETFs on January 10th. This is big news because now you can invest in Bitcoin through a brokerage account. On this episode, I’m discussing what this means for you, how you can invest in Bitcoin ETFs, and what to look out for if you're going to take that plunge. You will want to hear this episode if you are interested in... What is Bitcoin? [1:42] Unpacking Bitcoin ETFs and three things to look for when buying [5:39] Should you ...
5 Resolutions to Grow Your Money in 2024, #184
January 17, 2024 08:00 - 17 minutes - 14.4 MBWith every new year comes a list of resolutions to make this one the best yet. However, a lack of planning leaves most of these goals unfinished. On this episode, I’m sharing five financial resolutions to help you grow your money in 2024 and the follow-through steps to help make them possible. You will want to hear this episode if you are interested in... Opening a high-yield savings account [1:28] Investing the money in your HSA [7:16] Putting your money in a Roth account [10:09] G...
6 Market Predictions for 2024, #183
January 10, 2024 08:00 - 14 minutes - 12.1 MBNow that 2023 is officially in the history books, let’s review my 2023 market predictions to see how close I got! On this episode, we’ll be reviewing last year’s market predictions as well as making new ones for the year ahead. You will want to hear this episode if you are interested in... Reviewing Ryan’s 2023 market predictions [2:38] Looking ahead to 2024 [11:43] Looking back at 2023 In 2023, I made a set of market predictions that turned out to be a mix of spot-on calls and a cou...
SEP IRA vs Solo 401(k), #182
January 03, 2024 08:00 - 15 minutes - 12.6 MBAre you a small business owner struggling to choose a retirement plan? Then this episode is for you! Join me as we look at the specifics of SEP IRAs and Solo 401(k)s, the pros and cons of each, and the easiest way to get your small business or self-employed retirement plan set up today. You will want to hear this episode if you are interested in... What are SEP IRAs and Solo 401(k)s? [1:43] The pros and cons of each retirement plan [8:16] Setting up a Solo 401(k) or SEP IRA [12:27] D...
Separating Post-Tax Money from a Traditional IRA, #181
December 27, 2023 08:00 - 12 minutes - 10.2 MBHave you ever accidentally put post-tax money in with pre-tax when rolling over a traditional IRA? On this episode, I’m answering a listener's question about fixing this easy-to-make but frustrating mistake. We’ll look at the definition of a rollover, why you should separate pre-tax and post-tax money, and how to correct this situation if it occurs. You will want to hear this episode if you are interested in... What is a rollover? [1:42] Why you should separate pre-tax and post-tax mone...
New Beneficiary IRA Distribution Requirements, #180
December 20, 2023 08:00 - 19 minutes - 15.8 MBDid you inherit an IRA from a non-spouse on January 1, 2020 or later? Well a big change happened this summer that you should be aware of that could impact your 2023 tax season. On this episode, I’m unpacking the passing of and subsequent changes to the SECURE Act, how to best manage an inherited IRA in light of these changes, and how you can leave a legacy with a Roth account. You will want to hear this episode if you are interested in... Unpacking the history of the SECURE Act [2:20] M...
Defining Your Social Network in Retirement with Craig Colvett, #179
December 13, 2023 08:00 - 26 minutes - 21.1 MBWe talk so much about the financial aspects of retirement that it’s important to address the mental and emotional shift this season can bring. On this episode, I sit down with life coach Craig Colvett to discuss getting ready for the retirement transition. We talk about the benefits of life coaching for retirees as well as the importance of maintaining a diverse social network. You will want to hear this episode if you are interested in... What is a life coach? [1:15] How life coaching ...
7 Most Frequently Asked Social Security Questions, #178
December 06, 2023 08:00 - 17 minutes - 13.8 MBAre you approaching retirement with tons of questions about Social Security? Then don’t miss this episode! I’m going over the seven most frequently asked questions about Social Security benefits from clients and listeners alike. Hit play for the tips and tricks you have to know before you start collecting. You will want to hear this episode if you are interested in... When am I eligible to collect Social Security benefits? [2:30] How much will I earn from Social Security? [5:12] What ...
How to Avoid a Bad 403(b) or 457 Retirement Plan, #177
November 29, 2023 08:00 - 15 minutes - 12.8 MBAfter a lifetime of service to the growing minds of America, teachers deserve a quality retirement. Educators looking to save money beyond their pension plan are being taken advantage of by predatory retirement plans, and I want to put a stop to it. On this episode, I’m breaking down how to avoid bad 403(b) and 457 retirement plans and steps you can take toward better retirement solutions. You will want to hear this episode if you are interested in... The teacher retirement problem [1:33]...
7 Backdoor Roth IRA Mistakes to Avoid, #176
November 22, 2023 08:00 - 13 minutes - 11.3 MBWant to make a Roth IRA contribution, but you earn over the adjusted gross income limit? Never fear, the backdoor Roth conversion is here! On this episode, I’m doing a deep dive into backdoor Roth conversions and the seven mistakes most people make when attempting this financial maneuver. You will want to hear this episode if you are interested in... What is a backdoor Roth IRA? [1:44] The Pro-Rata rule [3:49] Keeping IRA costs down [6:36] Completing the necessary paperwork [8:02] ...
7 Year-End Tax Moves to Consider for 2023, #175
November 15, 2023 08:00 - 12 minutes - 10.6 MBAs the clock runs out for 2023, now is the time to consider your final tax moves of the year. On this episode, I’m breaking down seven tax reduction strategies for 2023 and beyond. Five of these tips need to be executed before the ball drops on New Year’s, so hit play now and start strategizing! You will want to hear this episode if you are interested in... Contribute to a state-sponsored 529 Plan [1:47] Take a tax loss [4:13] Perform a Roth conversion on your retirement account [4:58...
How to Turn Your Investment Losers Into Winners With Tax Loss Harvesting, #174
November 08, 2023 08:00 - 14 minutes - 12 MBAs we move into the final months of 2023, it's again time to talk about tax loss harvesting and other tax-efficient investment strategies. On this episode, I'm going to discuss how you can potentially turn some of your investment losers into this year's winners when it comes to tax planning. You will want to hear this episode if you are interested in... Developing tax-efficient investment strategies [1:44] The ins and outs of tax loss harvesting [5:52] Consolidating mutual funds and s...
How to Set Up Your Estate Plan with Natalie Perry, #173
November 01, 2023 07:00 - 28 minutes - 23.3 MBDo you know where your assets are going when you die? Do you have a plan in place for making medical and financial decisions if you become incapacitated? If either answer is no, you need an estate plan! On this episode, I sit down with estate planning expert Natalie Perry to discuss the ins and outs of planning your estate and ensuring a smooth post-mortem transition for your family and loved ones. You will want to hear this episode if you are interested in... What is estate planning? [1:...
Social Security COLA and Medicare Part B Changes in 2024, #172
October 25, 2023 07:00 - 13 minutes - 10.6 MBA plethora of changes for Social Security and Medicare Part B premiums were recently announced and I want to break them down for you. On this episode, we’ll take a look at the 2024 Social Security cost-of-living adjustment (COLA), changes to Medicare Part B, and other Social Security shifts that could impact your retirement. You will want to hear this episode if you are interested in... Diving into the 2024 Social Security cost-of-living-adjustment [1:22] Changes for Medicare and Part B...
Should You Make Small-Cap Stocks a Part of Your Portfolio?, #171
October 18, 2023 07:00 - 8 minutes - 7.01 MBDoes recent stock market performance have you itching for a change-up? Have you considered small-cap stocks or small-cap stock funds? On this episode, I’m taking a look at constructing a diversified portfolio and if investing in small-cap stocks is right for you. You will want to hear this episode if you are interested in... Understanding small and large-cap stocks [1:18] Evaluating stock market performance to construct your portfolio [3:27] Investment strategies for small-cap stocks ...
How You Can Lower Your Retirement Plan Costs, #170
October 11, 2023 07:00 - 15 minutes - 12.8 MBA big part of saving for retirement is choosing retirement plan options whose fees won’t eat into your valuable nest egg. On this episode, I’m discussing all things retirement plan fees, how to know what you’re paying, and how to potentially lower those fees so that you can grow your money faster. You will want to hear this episode if you are interested in... The three levels of retirement plan fees [2:29] Active funds vs. index funds [6:55] Using a brokerage window to diversify your ...
What Is the Best Month to Own Stocks?, #169
October 04, 2023 07:00 - 12 minutes - 10.2 MBLast month, we saw major stock market declines, with the S&P 500 down over 5% and the NASDAQ dipping 6.5%. This begs the question: Is September a bad month to own stocks? And if it is, which month is the best? On this episode, I’m exploring the historical performance of the S&P 500 and its monthly returns, as well as a listener question about receiving social security benefits from your ex-spouse. You don’t want to miss it! You will want to hear this episode if you are interested in... Re...
My Review of the TD Ameritrade and Schwab Merger, #168
September 27, 2023 07:00 - 15 minutes - 12.4 MBThe merger of TD Ameritrade Brokerage and Charles Schwab Brokerage, now known as Schwab, has been completed! And in this episode, I want to provide my insight into how the merger went. I’ll also share some of the issues I and other clients have found since the merger solidified. You will want to hear this episode if you are interested in... Unpacking the merger between TD Ameritrade and Charles Schwab [1:38] Where have my spouse’s accounts gone? [3:38] Issues with tax withholding [6:0...
5 Medicare Open Enrollment Mistakes to Avoid, #167
September 20, 2023 07:00 - 13 minutes - 11.3 MBAs the air crisps and the leaves change, you know what that means: Fall is here! But it also means that Medicare Open Enrollment is about to begin. On this episode, I’m going over five Medicare Open Enrollment mistakes you want to avoid and answering a listener's question about Health Savings Accounts. You will want to hear this episode if you are interested in... Can you draw from two HSA accounts to pay for one individual's medical expenses? [1:43] Is it too early to start looking at ...
When Is a Good Time to Purchase Home Heating Oil, #166
September 13, 2023 07:00 - 9 minutes - 7.64 MBThe last thing on your mind is probably home heating oil while summer is still in full swing. But with cold nights around the corner, now is the time to start preparing for rising heating oil prices! On this episode, I’m taking a look at past pricing for home heating oil, what influences oil rates, and when YOU should restock home heating oil before the winter. You will want to hear this episode if you are interested in... Historic home heating oil costs [1:51] Influences on the price o...
Maintaining Your Sense of Purpose in Retirement, #165
September 06, 2023 07:00 - 11 minutes - 9.27 MBSo many 80’s kids fell in love with action movies because of the work of Arnold Schwarzenegger. Myself included! So I was delighted to discover the Netflix documentary Arnold, which details the life and career of the body-builder turned movie star turned California governor. What inspired me about this film was Arnold’s sense of purpose throughout all of his accomplishments. So on this episode, I’m giving you my seven takeaways from the Arnold documentary to help you maintain a better sense ...
Is Now a Good Time to Purchase a Second Home?, #164
August 30, 2023 07:00 - 11 minutes - 9.47 MBWith home interest rates recently hitting 20-year highs, you may wonder if now is a good time to purchase your retirement home or a second home? On this episode, I'm going to discuss what you should consider before signing on the dotted line and making such a big commitment. You will want to hear this episode if you are interested in... The current state of home interest rates [1:38] Is NOW a good time to buy? [3:00] How do you finance the purchase of a second home? [4:37] Things to...
The 3 Best Ways to Save for Retirement, #163
August 23, 2023 07:00 - 18 minutes - 15.1 MBWhen people find out that I am a financial advisor, they usually ask me about retirement. Specifically, they want to know the best ways to save in order to secure their financial future. So in this episode, I’m giving you my three favorite ways to save for retirement and the pros and cons of each strategy. You will want to hear this episode if you are interested in... The pros and cons of a 401k [1:33] The pros and cons of a Roth IRA [8:03] The pros and cons of a Health Savings Accou...
How to Determine Your Asset Allocation, #162
August 16, 2023 07:00 - 12 minutes - 9.96 MB2023 is off to a great start for investors! This means now is the perfect time to make sure your asset allocation is optimized for the highest possible returns. On this episode, I’m doing a brief review of asset allocation, diving into why you should know the breakdown of your investments, and exploring the ways you can determine what your current asset allocation is. You will want to hear this episode if you are interested in... Reviewing the concept of asset allocation [1:15] Preparin...
Should You Cash Out Your 401K When You Change Jobs?, #161
August 09, 2023 07:00 - 11 minutes - 9.81 MBHave you ever been tempted to cash out your 401k when changing employment? Is this really a good option? On today’s episode, I’m exploring the 401k cash-out culture in America, why people do it, whether or not you should do it, and retirement-friendly alternatives to cashing out your 401k. You will want to hear this episode if you are interested in... What’s going on with American retirement plans? [1:33] Exploring alternatives to cashing out your 401k [3:45] Why are so many people ca...
Is It Time to Sell Your Bond Funds and Go Into Money Market?, #160
August 02, 2023 07:00 - 12 minutes - 10.1 MBWith 2022 being one of the worst years ever for bonds, many listeners are asking if they should dump their current bond fund and move to something more stable? On this episode, I’m exploring the performance history of bonds, the relationship between bonds and interest rates, and whether you should sell your bonds and invest in a money market fund. You will want to hear this episode if you are interested in... Exploring the history of bond performance [1:57] Understanding the relationshi...
What to Expect for Social Security 2024 Cost of Living Adjustment, #159
July 26, 2023 07:00 - 9 minutes - 7.8 MBAs we continue to have higher than usual inflation, those receiving Social Security benefits may wonder about the cost-of-living adjustment (COLA) for 2024. On this episode, we’ll take a look at the history of these Social Security adjustments, how things are shaping up for 2024, and what you need to do to stay ready for retirement. You will want to hear this episode if you are interested in... Examining the history of COLAs [2:38] The COLA forecast for 2024 [5:19] Action steps for th...
3 Ways to Lower Your Summer Electric Bill, #158
July 19, 2023 07:00 - 15 minutes - 12.2 MBWith rising energy costs nationwide, listeners are begging for some money saving tips to beat the summer heat! On this episode, I’m sharing three ways to lower your electric bill this summer that will save you hundreds, possibly thousands of dollars in utility costs. You will want to hear this episode if you are interested in... Examining rising energy costs [1:39] Could a new energy supplier save you money? [3:10] Taking advantage of a home energy audit [10:02] Saving money with sm...
What TD Ameritrade Clients Should Do Before the Schwab Merger, #157
July 12, 2023 07:00 - 8 minutes - 6.89 MBA little over six years ago, I chose TD Ameritrade as my broker after considerable research into TD, Charles Schwab, and Fidelity. So when Charles Schwab announced their purchase of TD three years ago, I started preparing. Finally, the merger is upon us! And on this episode, I’m helping TD Ameritrade clients everywhere get ready for the move. You will want to hear this episode if you are interested in... Understanding the merger timeline [1:38] What you need to do before the merger occu...
Don't Leave The Country Without Travel Insurance, #156
July 05, 2023 07:00 - 10 minutes - 8.38 MBAfter a long hiatus from traveling, it’s great to hear that many of my clients are getting back out into the world. But too many are doing so without travel insurance! On this episode, I’m taking a deep dive into travel insurance, what it is, how to get it, and why you shouldn’t leave the country without it. You will want to hear this episode if you are interested in... What is travel insurance? [2:23] Why you need to insure your trip [4:58] Exploring different travel insurance option...
5 Reasons Why Golf Is a Great Retirement Activity, #155
June 28, 2023 07:00 - 14 minutes - 11.9 MBIf you know anything about me, you know I’m a golf nut. I started the sport at age 14 and have enjoyed the challenge and activity it has brought to my life for the last 30 years. On this episode, I’m going to share five reasons why golf is a great retirement activity and how you can get started at any age. You will want to hear this episode if you are interested in... Why golf is a great low-impact workout [2:48] Building your social network with golf [4:56] Using golf to stay mentall...
5 Tax Tips for High-Earning Business Owners with The Tax Goddess, #154
June 21, 2023 07:00 - 32 minutes - 26.6 MBBusiness owners! Are you taking advantage of every tax break available to you? If you’re not already working with a tax strategist, the answer is probably no. Join me as I sit down with seasoned tax strategist Shauna Wekherlien, a.k.a The Tax Goddess, as she delivers five tax tips that could mean thousands of dollars in deductions on your next return. You will want to hear this episode if you are interested in... What is a tax strategist? [1:37] Defining a high-earning business and one ...
3 Tips When Applying For Social Security Benefits, #153
June 14, 2023 07:00 - 12 minutes - 10 MBHave you been excited to apply for Social Security only to get confused or frustrated by the process? You’re not alone! On this episode, I’m answering a listener's question and sharing three helpful tips to use when applying for Social Security benefits. You will want to hear this episode if you are interested in... The best way to apply for Social Security benefits [1:51] When do Social Security benefits begin and how are they paid out? [3:10] When can I file for Social Security ben...
3 Mistakes You’re Probably Making With Your HSA Account, #152
June 07, 2023 07:00 - 13 minutes - 11 MBHealth Savings Accounts are one of the biggest retirement planning opportunities that get overlooked. And many who have an HSA aren’t getting the most out of it. On this episode, I’m going to cover three mistakes you're probably making with HSAs that are costing you a lot of money. You will want to hear this episode if you are interested in... Are you investing the money in your HSA? [2:14] Are you contributing the maximum to your HSA? [5:19] Do you treat your HSA like a credit card? ...
Is Your Portfolio in Need of a Makeover?, #151
May 31, 2023 07:00 - 15 minutes - 12.6 MBMy home state of Connecticut was ranked the second worst pension fund performer of the past five years. Maybe you’ve had some tough hits to your retirement portfolio over the years too, and are in desperate need of a financial makeover. On this episode, I want to help you avoid Connecticut’s mistakes and ensure your portfolio is set up for retirement success. You will want to hear this episode if you are interested in... What is your asset allocation? [2:54] The power of diversification...
5 Things to Know About the Debt Ceiling, #150
May 24, 2023 07:00 - 16 minutes - 13.2 MBIn January of 2023, the United States reached its debt ceiling, sparking concerns that we could default on our debts as early as June 1st. To navigate the debt ceiling crisis, I’m sharing five insights to help you understand what the debt ceiling is, what happens if that limit is breached, how the debt ceiling affects your retirement funds, and the risks of timing the market. You will want to hear this episode if you are interested in... What is the debt ceiling? [2:37] What happens if ...
What to Do With Old Series EE Savings Bonds, #149
May 17, 2023 07:00 - 19 minutes - 16.1 MBSeries EE savings bonds have been around for over three decades. Many of you either own them or have owned them in the past. On this episode, I’m answering a listener’s question about whether Series EE bonds are still a good investment. We’ll dive into what they are, how they differ from I bonds, and what to do (if anything) with old EE bonds. You will want to hear this episode if you are interested in... What are Series EE savings bonds? [2:37] Examining the difference between Series E...