Safe Money and Retirement
222 episodes - English - Latest episode: 7 days ago - ★★★★★ - 1 ratingHeischman Financial offers a full spectrum of investment planning and guidance. We can help you if you are seeking a better lifestyle throughout your life, from your working years and into retirement.
We have helped thousands of individuals and couples at all economic levels in central OH so they can enjoy a stress-free retirement. Our team has assisted them using a balanced approach to asset management, which includes both risk and safety.
Whether you have a nest egg of $5 million or $50,000, we can help make sure that your money goes to work. We do this so retirement can bring you the leisure and peace of mind you deserve.
This show will review all these matters, and offer advice on your financial future options. Call the show off-air at (888) 426-0177 with questions or comments for Jon.
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Episodes
Rollover Rules
April 19, 2024 13:00 - 12 minutes - 11.3 MBHost Jon Heischman, Senior covers "Rollover Rules" in this episode. Rollovers are the moving assets from an employer held account in to an IRA, they can be 401k, 403b, SEP or pension accounts. Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
Getting Retirement Planning Started
April 05, 2024 13:00 - 7 minutes - 6.93 MBFor some reason many proscrastinate when it comes to their retirement planing. In Jon Heischman Senior's opinion, it is the number 1 enemy of retirees. Jon talks about how to get started on putting together a plan of action! Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
What Is Financial Independence
March 29, 2024 17:21 - 9 minutes - 8.39 MBHost Jon Heischman, Senior asks and answers What is Financial Independence based on his opinion collected from years of experience in dealing with a wide variety of clientele from diverse backgrounds. Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
Income Generating Annuity
March 22, 2024 13:00 - 8 minutes - 7.87 MBHost Jon Heischman, Senior talks about how to structure your 401k into an Income Generating Annunity that is guarnateed to produce a source of income that you cannot outlive! Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
Preserving Qualified Money
March 08, 2024 18:57 - 14 minutes - 12.9 MBHost Jon Heischman, Senior talks about how to preserve your qulaified money so it lasts through retirement. This invested money will now become your income. Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
RMD Planning
February 23, 2024 13:57 - 12 minutes - 11 MBHost Jon Heischman, Senior covers Required Minimum Distributions (RMDs) and how to plan for and handle them for those at or approaching retirement age in this week's episode. Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
Withdrawal Strategies For Retirement
February 09, 2024 23:24 - 13 minutes - 12.7 MBHost Jon Heischman, Senior talks about reitrement withdrawal strategies in this week's episode. Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
Are You Retirement Ready? Roth Conversions
February 02, 2024 14:00 - 13 minutes - 12.7 MBHost Jon Heischman, Senior asks and answers "Are You Retirement Ready?" pariculary concering Roth IRA Conversions. Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
Retirement Planning Mistakes
January 26, 2024 14:00 - 15 minutes - 14.2 MBHost Jon Heischman, Senior talks about his years of experience when dealing with clients' "Retirement Planning Mistakes". Many, at some point, wish they had done some things different with their planning...whether that be "more aggressive" or "more conservative". Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
The Art Of Retirement Tax Planning
January 12, 2024 14:00 - 17 minutes - 16.4 MBIt is the start of a New Year, but that also brings tax season! In this episode host, Jon Heischman, Senior discusses "The Art of Retirement Tax Planning". Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
Recession Protection
January 05, 2024 14:00 - 19 minutes - 17.9 MBHost Jon Heischman, Senior shares some strategies to help give your retirement plan "Recession Protection". Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
Funding Long-Term Care
December 22, 2023 14:00 - 12 minutes - 11.9 MBHost Jon Heischman, Senior discusses another important aspect of retiremnet planning and that is funding long-term care. Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
The Importance Of Diversification
December 15, 2023 14:00 - 17 minutes - 15.6 MBIn this episode, host Jon Heischman, Senior talks about the importance of diversifying your retirement asset portfolio. Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
Planning For A Rollover
December 08, 2023 14:00 - 18 minutes - 16.9 MBIn this episode your host, Jon Heischman, Senior discusses how you will need to prepare and decide how to handle the rollover of your 401k and/or pension plan for retirement income. Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
Benefits Of Annuities
December 01, 2023 14:00 - 17 minutes - 15.7 MBThe popularity of annunities has exploded in recent years. In this episode titled "Benefits of Annuities", host Jon Heischman, Senior discusses how annunities help address the number one concern among retirees...the longevity risk...or in other words, outliving your money! Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
Retirement Tax Considerations
November 24, 2023 14:00 - 27 minutes - 24.7 MBWith all the changes in the tax code, in this episode, Jon Heischman, Senior addresses Retirement Tax Considerations. Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
Accounts Review
November 17, 2023 14:00 - 27 minutes - 24.7 MBIn this episode, Jon Heischman, Senior goes over the basics of an "Accounts Review"."At-Risk" investments are not under management and at risk in the market, while "Safe-Money" is under management based a level of client risk tolerance. Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
Keeping Your Plan Fine Tuned
November 10, 2023 14:00 - 27 minutes - 24.7 MBJust like planning a trip, you need to know your starting point and where you want to go; so it is with financial planning. In this week's episode titled "Keeping Your Plan Fine Tuned", host Jon Heischman, Sr. goes over this concept. Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
Don't Hope So, Make A Plan
November 03, 2023 13:00 - 27 minutes - 24.7 MBMillions of Americans go into retirement with the hope they will get by rather than having a plan in place. Don't leave your retirement years up to chance! In this episode, host Jon Heischman, Sr. discusses how to put a plan in place. Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
Procrastination Versus Common-Sense Planning
October 27, 2023 13:00 - 27 minutes - 24.7 MBIn this episode, host Jon Heischman discusses how procrastination; in his opinion, is the single biggest issue when it comes to retiree financial planning. Jon offers advice on how to turn that inaction in to common-sense planning. Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
Implementing An Income Plan
October 20, 2023 13:49 - 27 minutes - 24.7 MBIn this episode, host Jon Heischman discusses "Implementing An Income Plan". Financial plans and income plans are related, but not excatly the same thing. Those two elements work together making up a full financial plan. However, in some cases an income plan is built without having a full finanical plan in place. Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
Retirement Decision Factors
October 13, 2023 13:00 - 27 minutes - 24.7 MBFor most of U.S. history, it was common practice for people to work up until the time when they simply could not any longer. Fast forward to today where 45% of those aged 65 are retired and with life expectancy, the need for a longer term plan is necessary. Host Jon Heischman discusses "Retirement Decision Factors" in this episode. Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
Retirement Risk Awareness
October 06, 2023 13:00 - 27 minutes - 24.7 MBIn this week's episode, host Jon Heischman discusses some of the retirement risks you need to be aware of and the sooner those potential problems are addressed, the better off you will be in your retirement years. Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
Caregivers
September 29, 2023 13:00 - 27 minutes - 24.7 MBIn this week's episode host Jon Heischman addresses preparing to be a caregiver for loved ones focusing on the key financial oversight questions to put them in order. Once this piece is in place, it will allow time for all the other issues related to caregiving. Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps or the list Caregiving Issues discussed in today's episode. Visit www.heischmanfs.com/
The Lost Secret Of Planning
September 22, 2023 13:00 - 27 minutes - 24.7 MBMany head into retirement without a plan, but planning for your income future should begin well before you reach retiring. Host Jon Heischman talks about "The Lost Secret of Planning" in this episode. Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
Life Insurance Uses-QCDs
September 15, 2023 13:00 - 27 minutes - 24.7 MBIn this week's episode host Jon Heischman talks about life insurance as part of retirement planning and ways to bring new "life" into your old policies. Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
Rollover And Distribution Decisions
September 08, 2023 15:01 - 27 minutes - 24.7 MBIn this episode host Jon Heischman asks, "do you know the IRA/401k rollover rules?" based on a conversation with a listener. Whether you are leaving an employer with a 401k or offered a pension plan buyout, you need to make sure the course of action you take is in your best interests since there is not one rule-of-thumb for everyone. You need an advisor like Jon to help you through the rollover process from a 401k to an IRA and/or your pension strategy. Call Jon at (888) 426-0177 with que...
Mitigating Longevity Risk
September 02, 2023 08:55 - 27 minutes - 24.7 MBIn this episode, Independent financial advisor Jon Heischman discusses longevity risk in retirement which is the number one concern among his cleints. Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
Indexed Annuities
August 25, 2023 14:37 - 27 minutes - 24.7 MBIn each episode host Jon Heischman being a independent financial advisor discusses how to build a more secured retirement plan. In this episode, builds on that foundation and talks about indexed annunities and funding methods on or above Social Security benefits to provide ongoing income thorugh your retirement years. To contact Jon after the show with your questions or comments, call (888) 426-0177. Visit www.heischmanfs.com/
IRA Distributions And Life Insurance
August 18, 2023 14:08 - 27 minutes - 24.7 MBIn this week's episode host Jon Heischman how to cut your tax bill from the "Jobs Act" which doubled the standard dedcution beginning in 2018. This caused a dramatic decrease in the number of people filing itemized deductions and the unintended consequence of a reduction in chartiable gving, But if you an IRA owner 70.5 or older, you can give without itemizing and still get the tax break through a Qualified Chartaible Distribution (QCD). Jon goes into deatil on this and life insurance relate...
Savings And Withdrawl Strategies
August 11, 2023 13:19 - 27 minutes - 24.7 MBHost Jon Heischman presents a straight forward episode talking about "Savings and Withdrawl Strategies" for your retirement whether that being your current situation, in the near or distant future. You can call Jon at (614) 861-7055 after the podcast to ask questions and give topic ideas for future episodes. Visit www.heischmanfs.com/
The Retirement Future For Women
August 04, 2023 16:10 - 27 minutes - 24.7 MBIn this episode Jon Heischman addresses "The Retirement Future For Women". Currently, 16% of households have women as the primary income provider and 33% of households both partners have the same income. Visit www.heischmanfs.com/
Secure Act 2.0 Hodgepodges
July 28, 2023 14:05 - 27 minutes - 24.7 MBIn this episode Jon Heischman discusses the Secure Act 2.0 as it particularly relates to required minimum distributions (RMDs) currently set at age 73 and set to increase to age 75 by 2033.
Inheriting Qualified Accounts
July 21, 2023 18:43 - 27 minutes - 24.7 MBBaby Boomers control the greatest amount of wealth with most having some sort of qulaified account like an IRA, 401k, SEP or even TSP. In this episode Jon Heischman discusses issues relating to leaving and inheriting those qulaified accounts.
Longevity Risk
July 14, 2023 22:04 - 27 minutes - 24.7 MBWhile there many risks facing retirees; Market, Inflation, Tax, Excessive Withdrawl, Healthcare, the current number one is Longevity. Longevity risk means outliving your money. Jon discusses strategies to ensure you will not outlive your retirement income in this episode.
Women Taking On Financial Planning
July 07, 2023 15:15 - 27 minutes - 24.7 MBIn recent years Jon has noticed his primary clientele contact has shifted to women, with about 60% of his business now coming from them. Based on this, Jon discusses this trend and the approaches to take in financial planning and advising in this episode.
Coloring Your Money
July 01, 2023 19:25 - 27 minutes - 24.7 MBIn this week's episode Jon Heischman talks about his "The Color of Money" model for allocating your assets to minimize risk for the conservative investor.
Consider A Rollover
June 23, 2023 17:40 - 27 minutes - 24.7 MBJon Heischman has spoken about Rollovers several times over the years on the Safe Money & Retirement Show, but it is worth addressing again since it has become one of his most frequently asked questions recently. Whether it be an employer 401k, TSP or 403b plan you should consider using a financial advisor to rollover into an IRA to meet your needs.
Investing Today And Tax Planning
June 16, 2023 14:30 - 27 minutes - 24.7 MBOutdated investment strategies can not only be ineffective, but also detrimental to your portfoloio. So, it is necessary to invest for today's enviroment by ultilizing the three principles of 1. Liquidity 2. Safety and 3. Return (on investment). Jon Heischman talks about this and tax planning in this week's episode.
A Place For Annuities
June 09, 2023 17:58 - 27 minutes - 24.7 MBThis being Annunity Awarness Month, Jon Heischman dedicates this epsiode to dicussing annunities, including the two main reasons annunities have gotten "a bad wrap". Those reasons being: 1. Many advisors don't understand how annunities work 2. The advisor cannot write an annunity, so advises against them If you are one of the 80% that have some type of annuity in your retirement plan, you should listen to this episode.
Claiming Social Security Benefits And Life Insurance
June 02, 2023 14:56 - 27 minutes - 24.7 MBKnowing when the right time to claim Social Security benefits in very important when planning your overall retirement strategy. In this week's epsiode Jon Heischman cvers how important it is to monitor and get the most from those benefits that you are eligible for. Jon also touches on issue of life insurnace as it relates to retirement income.
The Retirement Income Puzzle
May 26, 2023 13:46 - 27 minutes - 24.7 MBOne of the most important concerns for retirees is outliving their retirement accounts. In this epiosde Jon Heishman discusses how to mitigate this concern by balancing your portofolio with some in the market to maximize growth and some in "safe" accounts to generate income. Visit heischmanfs.com for more information.
Employer Sponsored Plan Options
May 19, 2023 15:58 - 27 minutes - 24.7 MBMany people take advantage of the "best game in town" by participating in their employer's 401K, 403B or TSP Plan. These are great while you are working since: 1. contribution come out non-taxed automatically from your paycheck and 2. many companies have mathcing funds or some type. However, after retirement those advantages disappear yet many keep their plan through their employer's company rather than rolling over into a more flexible IRA. Jon explains all this in this week's episode.
Involving Family In Legacy Planning
May 12, 2023 20:40 - 27 minutes - 24.7 MBIn this week's episode Jon addresses how to involve your heirs and family in your financial and estate planning. At least one person in your family; or other relation, should know you plan ir intention.
Timing Risks
May 05, 2023 17:58 - 27 minutes - 24.7 MBAs retirement time approaches, you may need to rebalance your investment accounts. Jon addresses this along with other timing risks in this week's episode.
Time To Start Planning
April 28, 2023 19:27 - 27 minutes - 24.7 MBWhen is the time to start planning for your retirement? Yesterday. In this week's episode, Jon Heischman covers how and when you should start your financial plan.
Secure Act Of 2019 Reminders
April 21, 2023 16:35 - 27 minutes - 24.7 MBIn this installment of the Safe Money & Retirement Show, host Jon Heischman gives some important reminders regading the Secure Act of 2019 as it relates to your IRA and other qulaified accounts.
Retirement Risk Tolerance
April 14, 2023 14:43 - 27 minutes - 24.7 MBIn this episode, Jon Heischman defines "risk tolerance" and why it is so important to know your's when making and executing your finncial, investements and retirement plans.
The Color Of Money
April 07, 2023 20:39 - 27 minutes - 24.7 MBIn this week's episode, Jon gives a deatiled explanation and recommendation to visually organize your investments, savings and assets using a color coding system.
Social Security Claiming Variables
March 31, 2023 18:26 - 27 minutes - 24.7 MBIn this episode, Jon Heischman explores when you should claim your Social Securiy benefits to maximize the amount given.