Your Retirement With Sam Duell
107 episodes - English - Latest episode: 1 day ago -Sam Duell and his co-hosts look at retirement planning from all angles in this podcast. They take a holistic view of retirement planning and, as the show name suggests, they stress the importance of talking with someone who believes in custom planning. After all, it's Your Retirement.
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Episodes
Late Start Retirement Saving
April 26, 2024 16:00 - 50 minutes - 46.2 MBSam and Luke provide tips for boosting retirement savings for individuals who may have started late. They discuss catch-up contributions for individuals over 50, the importance of considering risk tolerance when investing, the option of delaying retirement, and the need to strategically plan for healthcare costs. They also emphasize the importance of establishing multiple retirement income sources and the need for periodic rebalancing of investment portfolios. Reach Duell Financial Strategi...
Retirement Strategies Old and New
April 19, 2024 21:05 - 51 minutes - 47.1 MBSam and Luke cover some good retirement opportunities. Some are relatively new and come from Secure Act 2.0 including Roth Accounts and Defined Contribution Plans, student loan payback strategies, and special catch up contributions. Some of the tried and true strategies revolve around Social Security, understanding sequence of returns risk, and accounting for inflation. They also discuss the spousal retirement approach in stressing open communication and the need for compromise. Sam and ...
Challenging Economic Landscape
March 22, 2024 20:00 - 50 minutes - 46.5 MBAndi and Luke discuss some of the financial hurdles we all face including inflation, consumer debt, lack of emergency savings, and high interest rates. They also describe the 4% rule and discuss whether or not it is still a viable option. They conclude with suggestions on good questions to ask when meeting with your financial advisor. Reach Duell Financial Strategies by calling 800-203-7486. Duell Financial Strategies See omnystudio.com/listener for privacy information.
Financial Spring Cleaning
March 08, 2024 20:00 - 50 minutes - 46.4 MBSam and Luke talk about this time of year, following taxes, being a good time to take a look at doing a financial deep clean. They cover areas such as your budget, your emergency fund, and your tax plan going forward. They also discuss your retirement savings vehicles and knocking out debt. The podcast then turns to college basketball and linking basketball strategies with financial strategies. They weigh in on some good life lesson quotes from legendary college basketball coaches. You ...
Taxes in Retirement
February 23, 2024 22:00 - 51 minutes - 47.2 MBSam and Andi detail what is taxable and how it is taxable in retirement. They cover Social Security, pensions, interest-bearing accounts, IRAs, and 401(k)s. The conversation then moves into Roth strategies. They conclude with a discussion on the fun aspect of retirement and that’s checking off your bucket list items. You can reach Duell Financial Strategies by calling 866-203-7486. Duell Financial Strategies See omnystudio.com/listener for privacy information.
Important Info on Estate Planning
February 16, 2024 23:00 - 50 minutes - 46.6 MBSam, Andi, and Luke provide a thorough look at estate planning and everything that comes under the umbrella. That includes wills, trusts, financial and health care power of attorney, and beneficiary designations. They also correct some bad financial advice you could get on the street. You can reach Duell Financial Strategies by calling 866-203-7486. Duell Financial Strategies See omnystudio.com/listener for privacy information.
Your Retirement Playbook
February 02, 2024 22:00 - 51 minutes - 47 MBSam, Andi, and Luke compare football strategies to retirement strategies. This includes offensive and defensive strategies to consider when you’re in that financial red zone which is five to ten years away from retirement. They also give their financial take on famous quotes from football legends and then talk about bridging those gaps between you and your retirement, tackling inflation, and making sure you have a backup plan. You can reach Duell Financial Strategies at 866-203-7486. Due...
What Changes When You Retire?
January 26, 2024 23:00 - 52 minutes - 48 MBIt’s important to anticipate and plan for the changes in your life once you retire. This podcast opens with life changes such as your daily routine, your social life, your fitness, and your income. How has retirement itself changed in the last fifty years? Sam, Andi, and Luke point out the differences between traditional retirement and modern retirement in areas such as the demise of the private sector pension, longevity, and Social Security strategies. You can reach Duell Financial St...
Financial Goals
January 12, 2024 20:00 - 47 minutes - 43.8 MBStill in the New Year the podcast devotes time to considering financial goals or resolutions, how to approach them, and how to stay on track. These include everything from paying off debt to increasing your savings and more. You can reach Duell Financial Strategies by calling 866-203-7486. Duell Financial Strategies See omnystudio.com/listener for privacy information.
Avoid Sabotaging Your Retirement
December 22, 2023 19:00 - 51 minutes - 46.9 MBWarnings of what could harm your retirement start off the podcast with a discussion on having a budget, automating your savings and payments, planning for healthcare costs, and not relying too heavily on being able to work longer. Then Sam, Andi, and Luke take a look at what a retirement portfolio stress test could be for you. You can reach Duell Financial Strategies by calling 866-203-7486. Duell Financial Strategies See omnystudio.com/listener for privacy information.
Your Retirement Questions Answered
December 15, 2023 21:05 - 50 minutes - 46.6 MBLuke provides the answers to some commonly asked and very important questions regarding proper retirement planning. He also looks at what should be considered in shoring up your retirement in the new year. These include revisiting your household budget, checking your emergency fund, tackling debt, establishing financial goals, and reviewing your asset allocation. You can reach Duell Financial Strategies by calling 866-203-7486. Duell Financial Strategies See omnystudio.com/listener for ...
Holiday Lessons from Hollywood
December 09, 2023 00:00 - 49 minutes - 45 MBYou’ll hear clips from familiar movies and a sitcom with a holiday theme. Luke takes these clips and shares retirement and financial lessons we can learn from them. He also looks at how we can learn from the ghosts of Christmas retirement past and present and apply those lessons for the future. You can reach Duell Financial Strategies at 866-203-7486. Duell Financial Strategies See omnystudio.com/listener for privacy information.
Harsh Retirement Realities
December 01, 2023 20:00 - 50 minutes - 46.6 MBSam, Andi, and Luke cut through some harsh realities of retirement planning and offer solutions. Some issues covered are the amount of bear markets to expect, needing more than Social Security, and longevity. How should you mirror the traits of successful CEOs in our retirement? That’s also covered in this podcast. You can reach Duell Financial Strategies at 866-203-7486. Duell Financial Strategies See omnystudio.com/listener for privacy information.
The Clock Is Ticking For 2023
November 24, 2023 17:00 - 51 minutes - 47 MBSam, Andi, and Luke talk about what we need to consider strategically as the year draws to a close. Most of the bullet points are about good tax moves. They also look at changes to Social Security coming in 2024 including the COLA, maximum taxable earnings increasing as well as the earnings test. Then the conversation turns to what you may face in retirement such as restlessness and the need to re-define yourself. You can reach Duell Financial Strategies by calling 866-203-7486. Duell F...
Secure Act 2.0: Now and Next Year
November 18, 2023 18:05 - 51 minutes - 47.2 MBSam, Andi, and Luke review Secure Act 2.0 in looking at the provisions that are currently in place and what we can expect in 2024. They also provide answers for ten frequently asked questions by those nearing retirement. You can reach Duell Financial Strategies by calling 866-203-7486. Duell Financial Strategies See omnystudio.com/listener for privacy information.
Win, Lose, or Withdraw
November 10, 2023 17:00 - 51 minutes - 46.9 MBSam, Andi, and Luke discuss withdrawal in retirement and break down the potential win and lose strategies. What questions need to be answered in comprehensive retirement planning? That’s covered in categories such as Social Security and spousal claiming strategies, budgeting, 401(k) maneuvers, taxes, and income building. You can reach Duell Financial Strategies by calling 866-203-7486. Duell Financial Strategies See omnystudio.com/listener for privacy information.
Bad Excuses for Putting Off Using a Financial Professional
October 27, 2023 16:00 - 49 minutes - 45.7 MBAndi and Luke run through some common excuses people give for not seeking the help of a financial professional when nearing retirement. They counter these with good reasons why it is critical to work with a financial partner. Some excuses are: “I’m a DIY (do it yourself) person” Scary! “I’m already retired” Don’t forget second opinion. “I get my advice from friends and family” “Danger Will Robinson!” “I don’t know where to begin” A phone call is a good first step. You can reach Duell ...
Financial Fears
October 19, 2023 13:00 - 51 minutes - 46.8 MBSam, Andi, and Luke open with some good suggestions on things people should consider doing and some to consider not doing on their journey to retirement. Everyone should know how much income they’ll need, prepare for the unexpected, factor inflation, and be aware of the fees they are paying. Fears are also addressed in this podcast and suggestions to overcome them. Inflation, Social Security, market volatility, and the cost of health care are among the fears discussed. You can reach Duel...
Scams: Tips to Avoid Them
October 13, 2023 18:05 - 50 minutes - 46.3 MBAndi and Luke offer information on the different scam operations out there and tips to avoid them. They also dissect survey results from a Northwestern Mutual Planning and Progress study that shows Americans’ concerns about the economy and how much they would need to retire. You can reach Duell Financial Strategies by calling 866-203-7486. Duell Financial Strategies See omnystudio.com/listener for privacy information.
Financial Jeopardy
September 29, 2023 22:00 - 50 minutes - 46.1 MBHonoring Financial Literacy Month, the game is Financial Jeopardy covering retirement facts to make sure you’re not in financial jeopardy. Categories include Important Retirement Ages, Penalties and Fees, Retirement Savings Vehicles, and Retirement Rules of Thumb. You can reach Duell Financial Strategies by calling 866-203-7486. Duell Financial Strategies See omnystudio.com/listener for privacy information.
Expenses in Retirement
September 22, 2023 19:00 - 50 minutes - 46.7 MBLuke runs down some expenses that can eat away at your savings when you’re in retirement. They include healthcare, home ownership, inflation, taxes, and longevity. He also looks into the financial and retirement mindset and strategies that can build confidence in your journey to and through retirement. Reach Duell Financial Strategies by calling 866-203-7486. Duell Financial Strategies See omnystudio.com/listener for privacy information.
Fact, Fiction, or Somewhere in Between
September 15, 2023 22:00 - 50 minutes - 46 MBLuke starts the conversation by breaking down the massive baby boomer generation and discussing what needs to be considered by middle and late baby boomers. He devotes the rest of the podcast in cutting through mis-information and declaring whether retirement statements are fact, fiction, or somewhere in between. You can reach out to Duell Financial Strategies by calling 866-203-7486. Duell Financial Strategies See omnystudio.com/listener for privacy information.
Celebrity Financial Mistakes
August 25, 2023 22:00 - 49 minutes - 45.5 MBWe can learn from celebrities even when they make mistakes. Sam and Luke cover some bad celebrity financial moves from not having proper estate planning to overspending to getting in trouble over taxes. They further give tips on mistakes to avoid such as failing to have a tax plan, estate plan, or diversification. How can you beef up your savings? You’ll find some good suggestions in this podcast. You can reach Duell Financial Strategies at 866-203-7486. Duell Financial Strategies See...
Football Plays, Retirement Plays
August 18, 2023 16:00 - 51 minutes - 46.7 MBAt the opening of football season, Sam, Andi, and Luke discuss good offensive and defensive strategies to consider in retirement planning. They talk about going on the offense with income built in, building wealth, diversifying, and creating a budget. Defensive measures include bridging gaps, building an emergency fund, creating an estate plan, considering appropriate insurance, and looking at protective long term care strategies. You can reach Duell Financial Strategies by calling 866-20...
Retirement in High Inflation, Interest Rates
August 04, 2023 18:00 - 50 minutes - 46.3 MBAndi and Luke share insight into our current climate and factors to consider given higher inflation and higher interest rates. They also break down a survey reflecting confidence levels of those in the Generation X and baby boomer generations. You can reach Duell Financial Strategies at 866-203-7486. Duell Financial Strategies See omnystudio.com/listener for privacy information.
Retirement in Living Color
July 21, 2023 20:00 - 50 minutes - 46.2 MBIt’s amazing how you can tie iconic TV sitcom scenes to retirement planning. Sam, Andi, and Luke do just that with Kramer giving himself a gold watch and pointing out that retirement falls more on us now. Fred Sanford gets a lesson on how Social Security benefits are calculated and Archie Bunker schools us on inflation. Those clips and more are featured in the podcast. Then Sam, Andi, and Luke school us on annuities. You can reach Duell Financial Strategies by calling 866-203-7486. Due...
Standard Retirement Rules
July 14, 2023 20:00 - 51 minutes - 47.4 MBWhat are some of the standard retirement rules? How have they withstood the test of time? How could they be good starting points. Sam, Andi, and Luke cover the 4 percent rule, the Rule of 72, the 60/40 Stock/Bond Rule, and the Rule of 100. They also give information on Social Security in the form of a quiz. You can reach Duell Financial Strategies by calling 866-203-7486. Duell Financial Strategies See omnystudio.com/listener for privacy information.
Be Proactive Not Reactive
June 30, 2023 19:00 - 51 minutes - 46.8 MBAndi and Luke discuss the best proactive responses to retirement strategies including long-term care, health care, living on pre-taxed income, and factoring inflation. They also address concerns of pre-retirees and retirees and offer good questions to ask of yourself. These include:“do I have a plan” “do I have a budget” “do I have income built into my plan” “am I working with a retirement specialist?” You can reach Duell Financial Strategies by calling 866-203-7486. Duell Financial Stra...
Excuses for Putting Off Seeing a Retirement Pro
June 16, 2023 22:00 - 50 minutes - 45.9 MBSam, Andi, and Luke address some of the reasons people give for putting off seeking the help of a financial retirement professional including a feeling of being overwhelmed by it, thinking they don’t have enough money, and thinking it would be too expensive. They look at how your financial strategies should be adjusted when you’re getting closer to retirement and then break down how retirement can be more expensive than most of us think and how to prepare for that. You can reach Duell Fina...
Excuses For Not Seeing a Retirement Professional
June 09, 2023 18:15 - 50 minutes - 46.6 MBSam, Andi, and Luke address some of the reasons people give for putting off seeking the help of a financial retirement professional including a feeling of being overwhelmed by it, thinking they don’t have enough money, and thinking it would be too expensive. They look at how your financial strategies should be adjusted when you’re getting closer to retirement and then break down how retirement can be more expensive than most of us think and how to prepare for that. You can reach Duell Fina...
Retirement Compromise with Couples
May 19, 2023 23:15 - 51 minutes - 46.8 MBSam, Andi, and Luke cite statistics from a couple of surveys that state the obvious. Couples don’t necessarily see eye to eye when it comes to finances and retirement. They stress the need for compromise in areas such as risk, savings, and retirement target date. They address retiree concerns like inflation, the state of Social Security, and longevity and get back to basics with some good practices to make sure you’re on the right track to retirement. You can reach Duell Financial Strate...
Retirement Quiz on EBRI Survey
May 12, 2023 21:20 - 50 minutes - 46.6 MBLuke goes on the hot seat guessing the top answers from participants in a 2023 EBRI Employee Benefit Research Institute retirement confidence survey. We cite results on concerns of pre-retirees and retirees in their comfort level on reaching retirement and living comfortably in retirement. Luke moves into strategies to consider in the financial red zone, 5-10 years from retirement. He then discusses the advantages to consider when looking at the Roth IRA option. You can reach Duell Finan...
Cash Flow is King
May 05, 2023 16:00 - 50 minutes - 46.1 MBSam, Andi, and Luke explain the importance of building income sources in your retirement and making sure they are in line with your expected expenses. They dive into the subject of behavioral finance and how all the components relate to retirement planning. They also highlight ways that money could be wasted in retirement such as excessive fees, overpayment in taxes, overspending, and ignoring healthcare costs. You can reach Duell Financial Strategies by calling 866-203-7486. Duell Finan...
Two Retirement Truths and a Lie
April 28, 2023 16:00 - 50 minutes - 46.1 MBWe give three statements about retirement consideration and Andi and Luke out the one that is not true and explains why. They also expand on some of the ones that are true. They also cover valid retirement related questions that begin with the word “when” and point out areas to address in the planning process to help ease the anxiety of challenging economic times. You can reach Duell Financial Strategies at 866-203-7486. Duell Financial Strategies See omnystudio.com/listener for privacy...
Retirement Lessons from Hollywood
April 14, 2023 19:00 - 50 minutes - 46.7 MBIt’s amazing how you can take iconic movie clips and relate them to retirement planning. If you’re skeptical about that, then listen to how Luke relates lines from movies to what we should be considering in strategizing for retirement. He brings back the popular retirement myth busters in correcting some common misconceptions about long term care protection, debt, Social Security, and safe money. What are good questions to ask when meeting with a financial advisor? Luke covers some of th...
Top Financial Searches
April 07, 2023 16:00 - 50 minutes - 46.3 MBWhat are people searching for online when deciding to seek the help of a financial advisor? Sam, Andi, and Luke cover some of the top searches and relates them to his specialty of retirement strategies. Some include what to bring to the first meeting, how are financial advisors compensated, and why is a financial advisor better than a robo-advisor. Then they explain why the age of 65 may be universally thought of as retirement age but that it’s different from person to person and explain ...
ESG Investing
March 31, 2023 21:10 - 51 minutes - 47.4 MBFollowing the failed attempt to override President Biden’s veto of the Labor Department ESG investment rule, Marty explores the potential effects of that on the retirement savings efforts of Americans. He also discusses the most recent interest rate hike. What are red flags to watch out for when meeting with an investment advisor. Some of these are covered here including high pressure sales, downplaying risk, and encouragement to go “all in” on one investment. You can reach Duell Finan...
The Banking Sector Crisis
March 24, 2023 19:00 - 50 minutes - 46.7 MBSam, Andi, and Luke look at the situation in the banking sector in explaining the root causes and possible effects. They also discuss protective strategies regarding this and the other financial challenges we face. They cover regrets that many retirees have and how to avoid them and they clear up misconceptions in the retirement arena in areas such as Social Security, annuities, taxes, and the 4% rule. You can reach Duell Financial Strategies by calling 866-203-9486. Duell Financial Stra...
Do You Have a Strong Retirement Plan?
March 17, 2023 16:00 - 50 minutes - 45.8 MBDo you have a retirement plan that eases the fear of running out of money? Marty covers what to consider in helping to allay that fear including developing a spending plan, aggressively contributing to your retirement accounts, building an emergency fund, and preparing for health care costs. He offers suggestions to help you stay on track in your retirement. Marty stresses to not give up on the stock market but to properly allocate your risk and to consider safer alternative investment op...
How Can You Shape Your Retirement Income?
March 10, 2023 19:00 - 51 minutes - 46.9 MBSam, Andi, and Luke go over strategies to consider in building your retirement income. They start by discussing how retirement income building strategies are so much more important now than in the days when many people had a pension to count on. They talk about risk tolerance, using tools like annuities, and even taking a hard look at your retirement date and your Social Security claiming age in the effort to make your money last in retirement. They also break down the “rollover” strategi...
Where To Save-Where Not to Save
March 03, 2023 21:00 - 50 minutes - 46.7 MBSam, Andi, and Luke cover retirement savings strategies to consider and some to at least give a second thought. They discuss fixed annuities, Roth IRAs, Dividend Aristocrats, and Health Savings Accounts as some vehicles to strongly consider. They also stress being properly proportioned as to how much you keep in a savings account, the pros and cons of CDs and Money Markets, and how much you should have in low risk investments. They talk about the Fed and the effect that rising interest ra...
Are you Ready to Retire?
February 17, 2023 17:00 - 49 minutes - 45 MBLuke covers some strategies to help eliminate worrying about your retirement savings and running out of money in retirement. Those include paying off debt, determining retirement spending needs, practicing retirement spending, and investing in the right type of insurance. He then reveals some retirement stats related to longevity and planning for that, accessing retirement funds too early, and planning for the possibility of being forced into retirement before you’re ready. What are signs...
New Savings and Tax Rules
February 03, 2023 17:00 - 51 minutes - 47.1 MBThere are new savings and tax opportunities that could be utilized. Sam, Andi, and Luke cover new income tax brackets and withholdings, the raising of standard deductions, contribution limits, and the RMD age. They offer an in depth look at annuities including the different types and the pros and cons. They then discuss what to consider in the event of the passing of a spouse. Topics covered include the tax implications, the changes in income, and making sure to consider avoiding decisio...
Taxes in Retirement-Retirement Milestone Ages
January 27, 2023 21:15 - 50 minutes - 46.1 MBSam, Andi, and Luke discuss the impact of taxes on retirement and steps to counteract that impact. They explain how withdrawals from retirement accounts and pensions can be taxed. They also talk about the calculation of provisional income and how that can make your Social Security subject to taxation. What are the milestone ages in your retirement journey? They go over the important ages and even introduces a couple of new ones. You can reach Duell Financial Strategies by calling 866-2...
Not Your Parents’ Retirement
January 20, 2023 17:00 - 51 minutes - 47.1 MBSam, Andi and Luke hightlight mistakes to avoid in retirement planning including not factoring inflation and longevity, overestimating income, and not finding the balance of conservative and aggressive in investing. They look at life events when it is important to consult your financial professional. Those include job change or loss of job, marriage, divorse, loss of spouse, and caring for a parent. Then they move into a conversation which points out how retirement of today is different f...
Secure Act 2.0
January 14, 2023 00:05 - 50 minutes - 46.7 MBNow that it has passed, Sam, Andi, and Luke review some of the key provisions of Secure Act 2.0 including the raising of the RMD age, additional catch-up opportunities, and expanded Roth contributions. They look at lessons that can be learned from 2022 and how to move forward towards retirement in a stronger position and then dispel some common retirement myths. You can reach Duell Financial Strategies by calling 866-203-7486. Duell Financial Strategies See omnystudio.com/listener for pr...
Retirement Income
December 23, 2022 17:00 - 49 minutes - 45 MBSam and Luke define the retirement income replacement rate and look at what needs to be considered in building income for your retirement. This includes determining how much income you will need compared to your pre-retirement income, how much you earn, how much you save, when you will retire, your tax rates, and what Social Security covers. They also look at tax strategies that can help you presently and in the future. This includes traditional 401(k) and IRA saving strategies as well as...
Welcome to Retirement 2023
December 16, 2022 21:00 - 50 minutes - 46.5 MBSam, Andi, and Luke cover some solid planning tips to help you retire in a challenging economy in 2023. Understanding sequence of returns and possibly delaying Social Security are part of the conversation. What are some important questions you should be able to answer when considering your retirement and income plan? Those include your budget, your tax strategies, long-term care protection, and other sources of income in your retirement. They also cover protecting your income in retireme...
The Financial Red Zone
December 12, 2022 20:46 - 47 minutes - 43.6 MBLuke covers strategies to implement when in the financial red zone which is five to ten years away from retirement. These include looking at funding your 401(k) to the max, rethinking your 401(k) assignments, and looking at traditional and Roth IRAs. He also addresses financial challenges head on like high inflation and possible recession and the need to build, plan, strategize, explore, and review. You can reach Duell Financial Strategies by calling 866-203-7486. Duell Financial Strateg...
Retiree Regrets to Avoid-Inflation, Bear Market, Rising Interest Rates
December 05, 2022 21:20 - 50 minutes - 46.3 MBYou want a retirement with as few regrets as possible. What are some things you can do in the financial red zone to avoid having those regrets? Sam and Luke cover that in this podcast. They also address the current economic climate with the bear market, inflation, rising interest rates, recession possibly looming and what retirees and soon to be retirees should be considering. They close with good financial red zone moves to make sure you launch a stronger retirement such as catch-up sav...