Ready For Retirement

Drew, a burnt-out, financially responsible 40-something father of two, hopes he can scale back from his stressful job and still be okay when it’s time to retire. James offers a practical and philosophical take as he tackles Drew’s question. He demonstrates how to determine when Drew and his wife will be in a good position to fully retire. He also challenges listeners to assess their spending and saving habits and to strike a balance between planning for an unknown future while still finding fulfillment, freedom, and purpose today. 

Questions answered:
How can I determine if I can stop saving for retirement?

What introspective questions should I ask now to help me live well pre- and post-retirement?

Timestamps:
0:00 - Drew’s question
2:07 - Two mindsets
6:08 - Assess current and future needs
7:33 - Projection exercise
11:28 - Working backwards
14:50 - Working 10 more years
18:21 - Back to the initial question
19:47 - Considering growth rate
21:38 - A philosophical question
23:52 - 3 Levers
26:07 - Check spending/saving habits

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How do you know if you can retire? It seems straightforward, but the answer is far from simple. Beyond portfolio balances and age thresholds, there are other things to consider. James explains his three-step test to determine your retirement readiness.

By pulling together principles from the 4% Rule, straight-line projection, and a Monte Carlo analysis, you can assess whether your portfolio can sustain your desired lifestyle over decades amid various market conditions. However, these tests alone don’t paint the complete picture. James emphasizes the importance of considering other assets like potential inheritances or property downsizing to more fully and confidently evaluate when you can retire.

Questions Answered:
How can I determine if I’m financially ready to retire?
Is the 4% Rule sufficient for determining retirement readiness?

Timestamps:
0:00 - Consider withdrawal rate
2:14 - 4% Rule
5:12 - Not a perfect strategy
7:39 - Straight line projection 
9:09 - Downside of SL projection 
11:07 - Monte Carlo test
13:07 - Understand severity of failure
16:20 - Defining success, 
18:25 - Looking ahead

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Jennifer, 54, plans to retire soon. Her husband, 70, is retired, on Social Security, and dealing with some severe health issues. Jennifer worries about possibly becoming single in retirement, which could result in a higher tax bracket for her. 

Jennifer is considering whether to convert her traditional accounts to Roth to lower future taxes or to change her contributions to Roth 403b, even if it means paying more taxes now. James walks us through several factors for her to consider and demonstrates why her future tax situation is likely not as dire as she thinks.


Questions Answered:
How should Jennifer maximize her retirement savings in light of her current financial situation and future tax implications?

What factors must Jennifer consider when deciding whether to convert her traditional retirement accounts to Roth or change her contributions to Roth 403b?

Timestamps:
0:00 - Jennifer’s question
4:46 - Retire early for tax benefits?
6:05 - Roth conversion strategy
8:43 - Consider future expenses 
12:38 - Assess SS strategies
13:56 - Consider living situation
15:54 - The conversion question
17:54 - Main takeaways

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Joe is planning for retirement and wants to minimize his tax burden, especially on the interest earned from his three annuities. James explains that non-qualified annuities are purchased with post-tax money and offer tax deferral on growth until withdrawal. When taking out funds, the principal is tax-free, but earnings are taxed at ordinary income rates. 

He explores strategies for tax-efficient withdrawals. He also touches on annuities, options like a 1035 exchange to transfer an annuity into a different product for improved performance, the tax implications for heirs, and early withdrawal penalties before age 59 and a half.

Questions Answered:
How are non-qualified annuities taxed upon distribution, including both lump sum and annuity options?

What strategies can be implemented to keep the tax burden as low as possible when withdrawing from non-qualified annuities?

Timestamps:
0:00 - Joe’s question
1:52 - Non-qualified annuity overview
5:11 - Potential tax strategies
10:02 - Annuitization option
12:31 - Annuity regret
13:22 - 1035 Exchange
14:33 - Things to know

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Deciding to work with a financial advisor is about more than how much you've stashed away. It's also about determining whether an advisor's benefits outweigh the costs. 

In your higher earning years, finances become more complex. More money means more decisions and more chances to make mistakes or miss out on opportunities. That's where a quality advisor can come in handy. They help you steer clear of bad investments, seize the right opportunities, and keep financial stress at bay.

Having more than one perspective to draw from is the key to well-informed financial decisions. Teaming up and talking it out, whether with your partner or a financial advisor, is always beneficial.


Questions answered:
How can I determine whether working with a financial advisor is worth it for me?

What factors should I consider when deciding if I need a financial advisor beyond just my age or income level?

Timestamps:
0:00 - Not an age-related decision
2:43 - Value and pricing structure
4:12 - Natural conflicts 
7:24 - When benefit exceeds cost
10:02 - Cost of mistakes
12:18 - Cost of missed opportunities
14:16 - Cost of anxiety 
16:02 - Thought partnership
21:36 - Summary

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Listener Ray is wondering what to do with his home as he embarks on a nomadic, van-life journey in retirement. Should he sell it to finance his travels or retain it for potential appreciation and cash flow? 

James explores the nuances of home ownership as an asset versus an investment. He considers cash flow and leverage as he looks at Ray’s three options – sell, rent, or borrow – while emphasizing aligning financial decisions with personal goals and aspirations.

Questions Answered:
Why shouldn’t I consider my home an investment?

What are the key financial considerations for retirees when deciding whether to sell, rent them out, or explore other options?


Timestamps:
0:00 - Ray’s question
1:56 - Why a home isn’t an investment
4:38 - Do you want to be a landlord?
8:22 - The financials
10:14 - Asset appreciation
11:30 - Cashflow
15:04 - Leverage
19:02 - What should Ray do?
20:33 - Reverse mortgage

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Listener Drew asks about a tax strategy for juggling capital gains and Roth conversions. While it can be a complicated question – especially when large accounts are involved – James provides some general guidelines that can be helpful for anyone with similar gnarly tax strategy challenges in retirement. 

In this episode, we’ll cover the extent to which required distributions will be an issue, what you need to alleviate that issue, and the timeframe within which you have to do that.

James explains how to work backward to project your various tax brackets and determine how to prioritize tax gain harvesting, Roth conversions, and other tax strategies.

Questions Answered: 
What is tax gain harvesting?
What is the tax planning window and how do I use it to my advantage?

Timestamps:
0:00 - Drew’s question
2:50 - Determine use for each asset
5:59 - Tax gain harvesting
11:10 - Back to Drew
15:30 - James’ priorities for Drew
18:41 - Usually not either/or
20:07 - Working backwards
24:50 - General principles
29:50 - Tax planning window
32:16 - Summary

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James responds to listener Jerry’s question about the optimal time to distribute inheritance or charitable gifts: before or after passing away. 

James walks listeners through four important things to consider when it comes to gifting and inheritance: your gifting goal, whether you have a strong desire to see the assets gifted within your lifetime, the tax implications of various types of gifts, and what to do with assets you plan to retain for now but are intended for future generations.

Questions Answered: 
Should I give my children and grandchildren their inheritance before or after I die?

What are the tax implications to my children when I gift them my assets?


Timestamps:
0:00 - Jerry’s question
2:20 - What is your gifting goal?
3:38 - Gift during your lifetime?
6:51 - Timing and priorities
9:17 - Different tax implications
12:08 - Exemption amounts
14:13 - Tax implications to child
15:33 - Proper beneficiary designations
21:41 - The right time horizon
24:45 - Summary

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A listener says, “Eventually, one spouse will pass before the other, which will often catapult the survivor into a significantly higher tax bracket. Shouldn’t a Roth strategy take this into account?” 

James explores several factors that could positively and negatively impact a survivor’s tax liability and what to consider when creating a Roth conversion strategy. 


Questions Answered: 
How can Roth conversions benefit married couples beyond tax savings?

What factors should be considered when determining the optimal strategy for Roth conversions to protect a surviving spouse?

Timestamps:
0:00 - Steve’s question
3:40 - An example
6:41 - 3 changes
12:32 - Positive impacts
15:22 - RMD calculations
16:45 - Widows tax penalty
19:46 - When to do Roth conversions
23:40 - Big age gap
28:45 - Start with a good reason
29:57 - The bottom line

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Jason and his wife face a crucial decision: whether to purchase an annuity or pursue traditional investments as they prepare for a full-time, slow-travel retirement. 

With a diverse array of income sources, including pensions, 401k, property sales, and Social Security, they estimate their monthly expenses at $7,500. James analyzes their situation, emphasizing the balance between annuity stability and investment flexibility.

He highlights the security of annuities and explains their limitations, guiding the couple towards a tailored approach that aligns with their goals and circumstances.

Questions Answered:

What are the pros and cons of annuities?
How can I effectively balance the stability of annuities with the flexibility of traditional investments?

Timestamps:
0:00 - Jason’s question
3:07 - Pros and cons of annuities
6:32 - Assessing Jason’s situation
9:52 - The role of Jason’s portfolio
11:40 - Annuity alternatives
13:23 - Support your retirement vision
16:54 - Integrate financial plan and portfolio

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The "Three Bucket Strategy" is a popular retirement income planning method. The first bucket covers immediate expenses in retirement. Listeners John and Donna are seeking advice on constructing their first bucket. With $1.6 million in assets and pension incomes, they aim to retire in 2026. 

James analyzes their needs, income sources, and portfolio and lays a foundation for their Bucket #1. It's crucial to bridge the gap between expenses and income, considering risk capacity and tolerance. 

Questions Answered: 
How do you divide assets into the three buckets, and what is the purpose of each?
What role do risk capacity and risk tolerance play in determining portfolio allocation?

Timestamps:
0:00 - John and Donna
3:36 - The bucket approach
5:50 - Start with expenses
8:53 - Non-portfolio income sources
11:23 - Identify and bridge the gap
13:06 - Assessing their portfolio
14:53 - Portfolio dividend yield
16:49 - Do you need Bucket 1?
19:16 - What is the specific need?
21:07 - Risk capacity
23:22 - Test contingencies

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Benjamin, nearing retirement at 65, faces a familiar dilemma with his taxable account housing expensive mutual funds. Despite their underperformance, converting to low-cost index funds entails a significant tax hit due to long-held appreciable value. 

James explains weighing the immediate tax consequences against the risk of holding onto underperforming assets. He also provides a framework for assessing risk, identifying options, and making decisions based on personal financial goals.

Questions Answered: 
How can you decide whether to sell underperforming mutual funds or continue holding onto them?  

What factors should you consider in determining whether converting to low-cost index funds aligns with your financial goals and risk tolerance?

Timestamps:
0:00 - Listener question from Benjamin
2:17 - Tail wagging dog?
3:52 - Benjamin’s situation
5:31 - WCS of selling vs not selling
11:17 - Be careful about tax drag
12:47 - Rethinking the break-even point
14:11 - Consider your goal for the money
17:17 - Identify the bigger risk
19:26 - Make your decision
20:26 - Will your tax situation change?
24:20 - Consider staggering sales
28:21 - Summary

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Typical retirement strategies assume a retirement age of over 60. With an earlier retirement goal, a careful look is required to determine what strategies will create the best outcome. James responds to a listener’s question about where to invest as he anticipates an early retirement. James walks through the steps of Root’s Sequoia System to explore options for early retirement scenarios.

Questions Answered: 
How does early retirement impact traditional retirement planning strategies, such as the 4% rule?

When deciding between retirement accounts (e.g., 401k) or brokerage accounts for pre-60 funds in early retirement, what factors should be considered?



Timestamps:
0:00 - Question about early retirement
2:21 - Is early retirement possible?
3:30 - Why the 4% rule doesn’t apply
6:08 - Assessment of Juan’s situation
8:11 - The Sequoia system Step 1 - purpose
10:16 - Step 2 - retirement income
12:49 - Relying on SS benefit?
14:09 - Withdrawal strategy
15:32 - Sourcing funds from age 50-59
17:20 - Brokerage vs 401K
20:22 - A part-time income scenario
23:04 - Consider how expenses might change
25:14 - Step 3 - investment planning
28:09 - Steps 4 & 5- taxes and protection

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The 4% rule helps us understand how much we can safely take out of our portfolio each year without running out of money in retirement.

Yet, as simple as the 4 percent rule seems, the practical implications are drastically misunderstood. I explore the three common mistakes people make when applying this rule and how to avoid them.

Questions Answered:
How do RMDs impact the 4 percent rule?
Does the 4 percent rule account for changes in expenses and income sources?

Timestamps:
0:00 - Questions from listeners
1:26 - Misconception 1 - RMD 
3:27 - 4% rule applies to portfolio
5:51 - Assumption of 30 years retirement
7:51 - Misconception 2 - annuity distributions
10:01 - An example 
12:33 - Misconception 3 - static cash flow
13:42 - Examples of changes
17:44 - Summary

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Retirement is not just about financial readiness; it's also about finding purpose, passion, and personal growth. 

James and guest Cynthia Meyer debunk the arrival fallacy, the illusion that reaching retirement will bring lasting happiness. 

Having structure in retirement and pursuing your passions is vital to feeling fulfilled. Although it's easy to fall into comparing our retirement experiences to those around us, this is a dangerous trap. Finding what's truly important to you and following that will lead to much greater happiness.

Questions Answered:
What is the arrival fallacy?
How can retirement coaching help you find freedom and fulfillment in retirement?

Timestamps:
0:00 - Arrival fallacy
1:25 - Retire…then what?
3:58 - Structure in 4 chunks
6:06 - Risks of no structure
7:59 - Procrastination
9:35 - Finding your passion
12:33 - Microsteps and consistency
14:32 - Prodding the brain
17:01 - Not just for retirement
20:33 - Passion follows commitment
22:43 - Experiment and be flexible
24:20 - Be careful of stereotypes
26:17 - Rewire retirement
28:08 - Advice and resources

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Sammy, a 51-year-old retiree, is seeking advice on how much she should convert from her traditional IRA to a Roth IRA each year to avoid jumping tax brackets and minimize the taxation of her social security benefits. 

James analyzes Sammy's current financial situation and offers guidance on approaching the tax planning aspect of her retirement strategy.

Learn:
How to determine how much to convert from an IRA to a Roth IRA 
Why forward-looking tax planning is essential
The potential consequences of certain financial decisions

Questions Answered:
What factors should you consider in planning Roth conversions?
How can you avoid going into a higher tax bracket?

Timestamps:
0:00 - Sammy’s Roth conversion question
2:29 - The Roth/tax rules today
4:58 - Tax on different types of income
7:24 - Some assumptions
10:19 - Figuring tax and making assessments
12:28 - RMD part 1
15:33 - RMD part 2
17:25 - Caution about tax bracket assumptions
21:58 - Important side note
23:45 - Takeaways

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James addresses a common concern for a couple approaching retirement through a listener’s question. Listener Rob plans to collect Social Security early at 62, raising questions about his wife’s retirement.

Understanding Social Security strategies to avoid potential losses during retirement is important.

James explains the intricacies of spousal benefits, detailing how they are calculated based on the primary earner's full retirement age benefit.

Key Takeaways:
-Wait until full retirement age to maximize spousal benefits
-Primary earner must start to start collecting for the spouse to be eligible
-Nuanced calculations involving the spouse's own retirement benefit

Questions Answered:
When should a spouse collect Social Security spousal benefits?
How are spousal benefits calculated?

Timestamps:
0:00 - A listener’s question
3:00 - Two SS options
5:17 - Spousal benefit amounts
7:24 - When spouses can collect
8:55 - Spousal + primary benefits
11:59 - Implications of collecting early
14:16 - The good news
16:00 - The key takeaways

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As one listener prepares for an early retirement, James discusses the situation, covering how to build a bond ladder based on non-retirement funds.

James provides a different way of looking at the stock-to-bond conversation.

Learn how to determine the appropriate amount to have a bond ladder and whether you should own individual bonds or bond funds as a part of that ladder.

Questions Answered:
How do you balance risk capacity and risk tolerance in portfolio allocation?
How do you build an effective bond portfolio for retirement?

Timestamps:
0:00 - Listener case study
2:37 - James’s perspective on bonds
7:42 - Considering purchasing power
10:18 - Balance of stocks and bonds
13:39 - Dividends are typically resilient
16:40 - All bonds not created equally
20:30 - Bond ladder
23:09 - Different types of bonds
24:51 - Withdrawal strategy
26:39 - More on bonds
30:09 - 3 questions to consider

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James explores the concept of sequence of return risk in retirement planning. Most people are unaware of how risky this is, as it doesn’t become an issue until you begin living off your portfolio.

Responding to a listener’s inquiry about early retirement, James dives into the potential impact of market timing on retirement outcomes. 

Learn three actionable strategies:

Questions Answered:

How does sequence of return risk impact retirement outcomes?

How can early retirees protect against sequence of return risk?

Timestamps:
0:00 - Ben’s question
3:19 - Sequence of returns matters
6:48 - 3 projections to consider
11:49 - The 4% rule
16:05 - Considerations for early retirees
18:57 - 3 protective takeaways
22:15 - Summary

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Should you sell long-term stocks for a real estate investment?

I walk through one listener’s question and explain what you need to consider before making such a decision. 

Aside from the obvious–is it a good financial investment–you also need to consider if it's a good emotional decision.

Learn:
➡ The tax implications: how are capital gains taxed differently?
➡ How to compare the dividends of a bond to those of a property investment
➡ What important factors and questions need to be carefully accounted for

Questions Answered:
When does it make sense to sell long-term stocks for real estate investments?
How can you determine the “dividends” of a real estate investment?

Timestamps:
0:00 - Trade stock for real estate?
2:55 - Calculate yield
6:39 - Consider net operating income
9:15 - Other considerations
12:36 - Calculate taxes
18:57 - Quick summary

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When you’re doing well financially, paying advisor fees might seem unnecessary. So do you need an advisor if you’re already in a good place?

Having a successful retirement isn’t just about not running out of money; it’s about what more you can do.

Through a real-life client story, I explain how having an advisor’s perspective to implement the right strategy can be more valuable than the cost of their fee.

Advisors can help you avoid biases in the way you invest and plan. They can ensure you have the right withdrawal strategy and don’t overpay on taxes. When handling finances for yourself, you may worry about what you could be missing. A good financial advisor will give you peace of mind, knowing you have all the right information.

It’s important to reframe your thinking: Is the cost of your advisor justified by the value provided? 

Questions Answered:
What’s the opportunity cost of not having an advisor?
What value does an advisor provide when you are stable financially?

Timestamps:
0:00 Financial advisor vs DIY
3:37 Does an advisor add value?
8:30 Story of lost opportunity
12:27 Understand the bigger picture
13:41 Being ok vs optimizing
17:44 Risk of wrong withdrawal strategy
21:13 Risk of overpaying taxes
22:20 Continuity costs
23:27 The real goal
27:31 Appropriately compare

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James addresses a listener's question regarding Social Security strategies in retirement. Sasha, aged 59, seeks advice on when to start collecting Social Security, considering her husband's benefits and their overall retirement plan. 

James emphasizes the importance of considering spousal benefits, survivor benefits, and age gaps in making this decision. He explores the complexities of Social Security analysis, encouraging listeners to run break-even calculations based on the assumed age of the first spouse's death rather than just life expectancy. 

James also shares a real-life example where delaying one's own benefit and collecting a survivor’s benefit early can be a strategic move. When choosing a Social Security claiming strategy, evaluate the broader impact on taxes, withdrawal rates, asset allocation, and legacy considerations. 

Questions Answered: 
How does the age gap between spouses impact the Social Security claiming strategy?
What factors should be considered when deciding on your Social Security claiming strategy?

Timestamps:
0:00 - Sasha’s SS question
2:19 - Analysis of Sasha’s situation
5:51 - The challenge
9:08 - When assumptions don’t pan out
12:29 - General principles
16:08 - Look at the whole picture

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James explores the nuanced aspects of Roth IRAs, shedding light on intricacies that can confound even experienced investors. 

Through a listener question from Manfred, a retiree contemplating a $50,000 conversion from a 401k to a Roth account, James dissects the crucial five-year holding period and the order in which contributions, conversions, and earnings are treated during withdrawals. 

James also provides clarity on distribution rules, exceptions, and strategic considerations, offering a comprehensive guide to navigating the complexities of Roth IRAs for optimal retirement planning.

Questions Answered:
How does the timing of subsequent conversions impact the application of the five-year rule?
In Roth IRA withdrawals, what is the specific order of operations, and what implications does that have? 

Timestamps:
0:00 Manfred’s question 
1:39 Get the cheatsheet
2:37 Understanding source nuances
7:01 The five-year rule
8:37 IRS’s order of operations
11:59 Exceptions to the rule
13:49 Only a small impediment
16:14 Back to Manfred’s example

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When we think of retirement, it often evokes dreams of leisure, relaxation, and the freedom to pursue one's passions. Yet, the decision to retire is not merely about leaving a career; it's about embarking on a new chapter filled with purpose and fulfillment. Joe Kuhn, a seasoned retiree and creator of the "Joe Kuhn Loves Retirement" YouTube channel, shares valuable insights gained from his personal journey.

Retiring to Something, Not Just From Something
Rather than focusing solely on leaving behind the stresses of work, Joe advocates for retiring to something meaningful. His emphasis on having specific plans, hobbies, and activities in retirement resonates with the idea that the transition isn't just a departure; it's an arrival into a new, purposeful phase of life.

Slow Travel and the Joy of Unplanned Adventures
James and Joe discuss the concept of "slow travel," an approach that involves savoring the journey rather than rushing to the destination. By embracing the beauty of unplanned adventures, he emphasizes that retirement opens up the possibility for individuals to explore at their own pace, fostering a deeper connection with the world around them.

Adaptability and Embracing Change
Joe shares the evolution of his retirement plans, demonstrating the importance of being open to change. Unforeseen events, such as the COVID-19 pandemic, forced him to reevaluate his consulting work, inspiring his YouTube channel’s transformation into a retirement coaching platform. Joe's story underscores the resilience required in retirement, encouraging individuals to navigate the uncertainties with flexibility and a willingness to explore new paths.

Slowing Down and Recognizing Stress
Joe reflects on the shift from a high-stress, task-oriented mindset to a more relaxed and balanced lifestyle. The act of slowing down, evident even in routine tasks like mowing the lawn, becomes a metaphor for the broader shift in priorities during retirement. Joe's candid revelation about being unaware of the stress he carried during his working years prompts listeners to reconsider their own well-being and the impact of stress on health.

Spending Less and Financial Realities
Contrary to expectations, Joe reveals that he is spending significantly less than initially estimated. Adjustments in car usage, changes in insurance, and a transition to streaming services contribute to this surprising revelation. It is important to carefully assess finances and the need to adapt spending habits in retirement based on changing circumstances.

Confidence to Spend and Seeking Support
Joe addresses a common fear amongst retirees – the confidence to spend money. Despite having sufficient resources, many individuals hesitate due to economic uncertainties. Joe advocates for seeking support, such as from financial advisors, to gain confidence in financial decisions. Retirement is not just about financial planning; it's about developing the confidence to enjoy the fruits of one's labor.

Joe Kuhn's journey through retirement offers unique insights for those contemplating or navigating this significant life transition. From the importance of retiring to something meaningful to the adaptability required in the face of unforeseen challenges, Joe's experiences provide a roadmap for creating a fulfilling retirement anchored in purpose, flexibility, and financial mindfulness.

Timestamps:
0:00 Emotional prep for retirement 
1:34 Joe retires at 54
4:54 Fear versus time
10:04 Retire to (not from) something
14:57 Try different paths
19:44 Adjust to a slower pace
24:42 Release hidden stress
26:55 Spending in retirement
30:48 Retirement support groups
34:39 Words of encouragement

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Tax loss harvesting is a strategy that investors use to reduce their tax bill. However, there are many misconceptions about tax loss harvesting, including when it's valuable and how to do it effectively.

James debunks some of the most common myths about tax loss harvesting and explains how to use this strategy to your advantage.

Questions Answered:
How can investors benefit from tax loss harvesting by offsetting capital gains and ordinary income taxes?
What are the rules and limitations surrounding tax loss harvesting, including the wash sale rule?

Timestamps:
0:00 Intro
3:59 Listener example
6:26 Identify a replacement security
11:17 Example
17:20 Capital losses
20:30 Looking at tax loss harvest
23:44 Intentionally realizing gains
24:25 Outro

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James walks through a framework of how you ensure that your legacy goals include more than just leaving a chunk of money to your kids when you're gone.

He explains the key concepts that can help your child develop strong money management skills. From starting early to diversifying your investments, learn how you can help set your child up for financial success

Questions Answered:
Why is it important to start investing for retirement early in life?
How does early investment preparation not only benefit your retirement but also your financial well-being in your younger years?

Timestamps:
0:00 Intro
3:42 Here's where to start
7:36 Owner vs lender
13:46 Diversification
15:42 Starting early
18:26 Why it matters
21:53 Where are you investing?
25:11 Questions to consider
26:08 Outro

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What are the benefits of Roth conversions in retirement planning? James addresses questions about when Roth conversions become worthwhile.

This episode explores key factors:
Changes in tax bracket
Spousal scenarios
Impact of portfolio size on tax savings

Potential tax savings tend to increase with a higher portfolio balance but be careful not to take unnecessary Roth conversions. James explains different strategies to optimize tax planning.

Questions answered:
Is there a specific portfolio value at which Roth conversions should be considered?
Why might one choose not to do a Roth conversion, and what are the alternatives?

Timestamps:
0:00 Intro
3:14 Scenario
6:47 Tax bracket
11:15 Provisional income
14:27 Spousal scenario
16:45 Bottom line
20:29 Outro

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Have you ever wondered if purchasing an annuity makes sense for you?

There are two conflicting opinions from financial advisors: some advocate for annuities while others advise against them. James explores the concept of being a fiduciary and the challenges of understanding the financial advisory industry. He covers when annuities may be a suitable option, such as providing guarantees, protecting against longevity, guaranteeing core expenses, and the benefits of Qualified Longevity Annuity Contracts (QLACs) in reducing required minimum distributions.

There is no one-size-fits-all approach to financial planning. Your individual circumstances and goals will determine whether annuities are the right choice. It's always a good idea to seek professional advice and review all your options when making decisions about annuities.

Questions answered:
Is an annuity a suitable financial product for retirement planning?
What factors should you consider when deciding whether to purchase an annuity?

Timestamps:
0:00 Intro
2:51 What is a fiduciary?
8:43 Explaining annuities
10:53 The wrong way to look at it
13:23 Another way to look at it
17:53 When is there a case for an annuity?
19:49 Another case
22:06 Qualified Longevity Annuity Contract
24:40 Outro

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If you're in a high tax bracket now and expect to remain in a high tax bracket after retirement, should you prioritize pre-tax retirement accounts or Roth retirement accounts for individuals? 

James answers this and discusses various factors to consider in making this decision, including current and future tax brackets, required minimum distributions (RMDs), charitable giving, life expectancy, and the impact on heirs. Using a real-life scenario, James offers a thoughtful approach to help you make an informed decision based on your unique circumstances.

Questions Answered:
Should individuals in high current tax brackets prioritize pre-tax retirement accounts or Roth retirement accounts? 
What impact will required minimum distributions (RMDs) have on your future tax situation?

Timestamps:
0:00 Intro
3:48 Considering Roth contributions
7:05 Example
13:25 Charitable giving
15:42 Life expectancy
18:18 What about your heirs?
20:52 Outro

Create Your Custom Strategy ⬇️

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James debunks common misconceptions about retirement portfolio allocation and explains how to factor in your pension, social security, and other fixed-income sources into your plan. 

He discusses the importance of dividends in assessing investment performance, risk capacity and tolerance, and how mastering them can help determine your optimal retirement portfolio allocation.

Questions answered:
How should you allocate your portfolio in retirement, considering pensions, social security, and other fixed-income sources?
What is risk capacity, and how does it factor into portfolio allocation in retirement?

Timestamps:
0:00
3:34 The wrong way
5:09 The right way
5:14 Example 1
7:59 Risk capacity
14:53 Example 2
19:05 Another consideration
21:00 Risk tolerance
21:40 Example 3
22:28 The emotional side
24:35 Outro

Create Your Custom Strategy ⬇️

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In this  episode, James emphasizes the importance of having a well-thought-out financial plan for retirement, rather than relying solely on the size of your investment portfolio. Financial security doesn't come from a specific portfolio number but from having a comprehensive plan.

Using a listener's question, James walks through a step-by-step approach to assessing retirement readiness. He discusses aspects like income planning, investment strategies, tax optimization, and protection through insurance and estate planning.

Shifting your mindset from a saving mentality to a spending mentality in retirement allows you  to fully enjoy your savings. Learn how to determine if you'll be financially secure in retirement and how to optimize your financial resources to enhance your overall retirement experience.

Questions Answered:
How do you assess your retirement readiness?
How can you optimize their retirement plan to enhance their overall retirement experience?

Timestamps:
0:00 Intro
1:26 Listener question
4:03 The bills
6:03 Alternative strategy
10:36 The first thing we looked at
12:55 How to maximize
15:35 Your investments
18:58 Risk capacity
21:05 Deductions
23:19 Big picture consideration
25:28 Outro

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In this episode James explores signs that may indicate it's time to move on from a current financial advisor and discusses the professional and respectful ways to handle this transition. There are three core aspects to consider when contemplating the change:

Deciding to Leave:
The first step involves recognizing signs that it may be time to move on. 

Telling Your Advisor:
James provides two scripts for notifying your financial advisor about your decision.

Handling Logistics:
After the decision to switch advisors is made, there are several logistical considerations.

James highlights that making the decision to switch advisors can be emotionally challenging, but ultimately, it's a crucial step in securing your financial future.

Questions Answered:
How do you decide if it's time to leave your financial advisor?
What's the best way to tell them that you're leaving?
How do you handle the logistics? 

Show notes links:
When Should You Work with a Financial Advisor?
https://www.youtube.com/watch?v=1V1X-dovlF4

Script: Break up with your Financial Advisor
https://docs.google.com/document/d/1IwYM5DDcvm0FEtkc99Lf9sy840wmGfhLm62-o7NmMpg/edit

Timestamps:
0:00 Intro
1:18 How to decide
7:00 How to tell them
8:10 Script 1
9:09 Script 2
11:03 Script 3
15:28 The logistics
17:54 Outro

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One of the most ironic things about retirement spending is that the people who have saved the most money are often the same ones that have the most difficult time spending that money. 

We often think that if we save up enough money or build up enough of a portfolio that in retirement it will open up unlimited fun and enjoyment.

The reality is, for those who have saved well, one of the hardest things you'll find about retirement is the difficulty you'll likely face trying to spend some of that money. 

James discusses how you how you can shift your savings mindset to a spending mindset.

Questions Answered:
Why is it so difficult to go from a savings mindset to a spending mindset?
How do we start making the shift with our mindset? 

Timestamps:
0:00 Intro
4:57 James' perspective
7:48 Example
10:47 We need to realize this
14:52 How do we reframe?
16:58 Pillar 1
18:38 Pillar 2
19:19 Pillar 3
20:36 Pillar 4
22:25 Pillar5
24:34 Summary
27:18 Outro

Create Your Custom Strategy ⬇️

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The majority of people who participate in some level of charitable giving in retirement aren't getting a tax deduction for any of it. While external reasons should drive charitable giving, you should absolutely look to maximize the tax effectiveness of any giving you're already doing.

In this episode, James covers how to optimize your tax benefits, detailing donor-advised funds, an often-overlooked tool for maximizing your tax benefits. 

Learn about when to write off cash contributions, gift appreciated securities, and how your mortgage can play a role in the deductibility of your giving. 

Questions answered:
What should you do differently with your tax strategy when making charitable donations?
When does a donor-advised fund make sense for you?

Timestamps:
0:00 Intro
1:28 Deductions
4:02 Why it matters
6:15 Donor advised fund
11:03 Important information
14:16 When does it make sense?
17:43 When does it not make sense?
23:09 Outro

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By the time you get to retirement, it is not uncommon to have many different accounts at multiple different institutions. You may be wondering, "How do I begin the process of consolidating everything without paying a bunch in taxes or penalties?"

In this episode, James covers three types of taxes you're likely to encounter when consolidating: ordinary income, capital gain, and early withdrawal penalties. He also explains strategies to sidestep these taxes and penalties and how to decode your current allocation to pinpoint your income needs.

Questions answered:
What is a good strategy for consolidation?
How do you ensure you won't get penalized for consolidating?

Timestamps:
0:00 Intro
1:55 The situation
5:18 Capital gains
8:46 Income taxes
14:03 401k plans
17:31 Allocation 
21:21 Alternatively
23:45 Outro

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It’s common knowledge to have a different portfolio allocation before retirement than you actually have in retirement. But how and when do we actually go about making that change?

This episode is based on a listener question: Alan, has a portfolio mix weighted too heavily in stocks. As he shifts into retirement, he is looking to have a new allocation strategy. 

James discusses how to shift into a different allocation, when the right time to do that is, and what makes the most sense for Alan’s situation.

Questions Answered:
How do we shift into a new allocation strategy?
When should you begin that process?

Timestamps:
0:00 Intro
3:08 The framework
8:41 Where should you hold assets?
14:14 What’s the timing?
18:14 In summary
19:11 Outro

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Are short-term savings using an adjustable rate mortgage worth the risk of rate hikes? In this podcast, we cover how adjustable rate mortgages (ARMs) work, how they differ from fixed-rate mortgages, and the reality of their adjustment periods. 

James uses a real-life scenario to dive into the comparison of adjustable and fixed-rate mortgages. Learn how to plan for the worst-case scenarios and evaluate the benefits and drawbacks of each option. 

Questions answered:
Is it better to get a fixed rate mortgage, or is it better to get an adjustable rate mortgage? 
What is the risk versus reward?

Timestamps:
0:00 Intro
3:10 Buying a home
5:18 How ARMs work
7:24 Why use an ARM?
10:11 What's the risk?
14:07 When not to get an ARM
16:15 When to get an ARM
18:50 Other considerations
20:21 Analysis
21:06 Outro

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How can rising interest rates impact your pension value?

In this week's episode, we analyze a real-life scenario from our listener, Mark, who is weighing the pros and cons of an early retirement, a higher lump sum, or a commit to an annuity. 

Learn how to calculate the imputed returns of an income annuity and how to determine if taking the lump sum and investing it would be the better option. 

Questions Answered:
What considerations and calculations can be used to decide between a lump sum payout or an annuity?
Are you working against yourself by continuing to work?

Timestamps:
0:00 Intro
2:40 Mark's question
4:24 Unpacking it
7:38 Don't do your analysis this way
14:09 Here's how to do your analysis
18:54 Risk
19:58 Planning
20:50 Takeaway
24:47 Outro

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If you’re retired, you can’t wait around for the next bonus or stock to vest when you have a large expense. When you’re on a fixed income it’s more important than ever to find the best way to pull funds for large expenses. 

In today’s episode, James explains how to find the best way to pay for large expenses in retirement while answering a listener’s question.

Questions Answered: 

Should you use IRAs (or other assets), cash, or finance to pay for large expenses with today’s high-interest rates?

What considerations should you take into account when planning for a big expense in retirement?

Timestamps:
0:00 Intro
3:48 Cashflow 
8:46 Taxes
10:52 Timing
13:14 Example
20:58 Investment
27:04 Legacy
30:32 Outro

Create Your Custom Strategy ⬇️

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How much of your portfolio is safe to hold in one individual stock? 

While 5% or 10% is typically recommended, rules of thumb like these are often irrelevant and harmful. The right answer depends upon your specific situation.

James explains the right way to determine how much individual stock you should hold based on your situation.

Questions Answered:
How much is okay to have in an individual stock?
What conditions make owning individual stock acceptable or unacceptable?


Timestamps:
0:00 Intro
2:02 Monica's story
3:30 Individual stocks
5:02 Example 1
7:45 Conditions
10:18 Technicalities
12:37 Example 2
14:34 Emotional implications
16:11 Framework
19:43 Portfolio size
21:49 Time best spent
22:50 Underperforming
25:07 Why diversify?
27:01 Outro

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What do you think is the key to a successful retirement?

By asking yourself the right questions and being intentional about using money to enrich life, you can live more presently in the moment and enjoy a meaningful and successful retirement.

James explains the most important question to ask yourself so that you can transform your retirement.

Questions Answered:

How do you get the most out of life with your money by living intentionally?
How do you live intentionally for a more meaningful life?

Timestamps:
0:00 Intro
2:37 The email
6:42 The responses
9:46 Points to note
12:03 Steph’s story
13:35 Important things to think about
15:30 Outro

Create Your Custom Strategy ⬇️

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For many people, Social Security will be their primary income source in retirement, but some individuals have sufficient assets or income from other sources, making them less dependent on Social Security benefits.

James explains the factors that can affect when you should collect Social Security and how to create a dynamic strategy.


Questions Answered: 
What if you have sufficient assets/ income that you don't depend on Social Security for your retirement needs?
How should that change your approach to collecting social security?

Timestamps:
0:00 Intro
2:36 If you don't need Social Security
5:40 First thing to look at
7:48 Listener's situation
10:11 Working in retirement
12:50 The second thing to look at
14:30 The third thing to look at
15:44 The fourth thing to look at
17:15 Examples
20:18 Needing cash down the line
24:49 Final thoughts
25:22 Outro

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Description
There are a lot of good reasons to put your money into a Roth account. But does it make sense to have all your money in Roth accounts?

The truth is, there is  a point at which it's potentially harmful to continue putting money into Roth accounts. 

James explains the nuances of Roth accounts and tax planning, while answering a listener's question.

Questions Answered:
Is there a point at which you can have too much in a Roth account?
How can you use tax planning in retirement?

Timestamps:
0:00 Intro
1:17 Listener question
3:59 Short answer
5:41 Example
8:04 Tax planning
9:10 Eample
11:45 Two questions
14:18 Charitable giving
18:22 Example
20:57 Outro

Create Your Custom Strategy ⬇️

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How much it will cost to meet your needs is one of the hardest parts to understand about retirement. Relying on conventional wisdom will only get you so far, and may even lead you astray.

In this episode, we explain how to get an accurate sense of your retirement expenses while walking you through a real example from a listener question.

As a bonus, we are including a free worksheet for you to use:
Retirement Cash Flow Planner

Questions answered:
How can you tell if you're financially on track for retirement?
What do you do before social security kicks in to supplement income?

Timestamps:
0:00 Intro
3:10 Listener question
3:57 A few things to consider
6:00 Here's where to start
10:23 Where does the rest go?
13:07 Steps 1 and 2
16:31 Their portfolio
18:31 Retirement expenses
21:50 Income strategy
23:40 Outro

Create Your Custom Strategy ⬇️

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Many people believe that when you're retired, you need to own your own home, ideally without a mortgage. But there are instances where renting can make more sense, not just financially but for several other reasons. 

In this episode, James discusses the pros and cons of owning versus renting and when it makes sense to rent instead of own.

Questions answered:
In what instances does it make more financial sense to rent than own?
What other reasons might factor into the decision to rent?

Timestamps:
0:00 Intro
3:33 Cost of rent rising
6:00 Less control
7:22 Equity
9:00 First issue: tax implications
11:49 Second issue: budget
15:08 Lifestyle
18:44 Your health
19:56 Example
23:20 Emotional factors
24:33 Outro

Create Your Custom Strategy ⬇️

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Required Minimum Distributions work differently depending on the type of account. How can you most effectively plan for them? 

Today we're talking through everything you need to know about RMDs so you can understand their nuances and create a plan to best address them.

Questions Answered:
At what age do you need to take an RMD?
What accounts do you have to take an RMD on?

Timestamps:
0:00 Intro
2:59 At what age do you need to take out an RMD?
4:19 How much is the RMD going to be?
7:40 What accounts do you have to take an RMD on?
9:25 Basic rules
11:26 Spouse and non-spouse inherited IRAs
16:11 Extra benefit
20:07 Exceptions to the rules
23:54 Keep this in mind
25:55 Example
32:26 Outro

Create Your Custom Strategy ⬇️

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For people who are planning to retire early, planning for retirement can be especially daunting. 

There are many different points to consider, but the most important is ensuring that your income stream will sustain you for the rest of your life.

Today’s case study examines someone who is looking to retire early so that you can understand what framework and approach to apply to your own situation.

Questions Answered:
What do you do for income when you no longer receive a paycheck?
What sort of strategies do you use for taxes, medicare, withdrawal, etc?

Timestamps:
0:00 Intro
1:11 Today’s question
4:11 Considerations
6:55 Strategy and Expenses
9:34 Recommendations
11:30 Implications
13:27 Are they on track?
18:35 A couple of things you can do
22:22 Adding in Social Security
25:42 Quick thoughts
27:34 Outro

Create Your Custom Strategy ⬇️

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One of the best things you can do for your portfolio is to implement the right tax strategy. Each situation is unique and requires a personalized approach.

Using a listener’s question, James explains one specific example to show when and how to implement the right strategy. 

Questions Answered: 
Why should or shouldn't you do Roth conversions?
What should you be mindful of when doing Roth conversions?

Timestamps:
0:00 Introduction
0:53 Listener question
4:03 Two core things to focus on
5:56 Should we do a Roth conversion?
7:13 Taxable income
9:16 Lower tax bracket
11:24 Taking a basic look
14:21 Gray area
16:40 Control the balance
19:31 Big picture plan
20:41 Outro

Create Your Custom Strategy ⬇️

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Managing your cash reserves in retirement can get complicated quickly between living expenses, multiple income streams, taxes owed, etc. 

James explains how you should manage your cash reserves based on your financial plan and answers a listener’s question.

Questions Answered:

How do you incorporate cash needs and short-term assets into your bigger-picture portfolio?
How does that change from working years into retirement years?

Timestamps:
0:00 Intro
0:44 Listener question
2:42 Review of the week
4:09 Three “buckets”
5:30 Other tax accounts
6:57 Emergency fund
7:51 Example
10:39 Free access to your accounts
12:45 Savings accounts
14:37 Reframing your view
16:14 Cash vs portfolio
18:05 Outro

Create Your Custom Strategy ⬇️

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When you retire, there are surprising things you’ll wish you knew beforehand. Unlike social security, IRAs, or Medicare, most people don’t often plan for the emotional and personal matters of retirement.

James discusses the five things people often regret not understanding before retirement. 

Questions Answered:
What do people regret not knowing before retirement?
How can you avoid those mistakes?

Timestamps:
0:00 Intro
3:20 Regret one
5:54 Regret two
7:42 Regret three
9:14 Regret four
11:34 Regret five
13:45 Summary
14:30 Outro

Create Your Custom Strategy ⬇️

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James discusses a listener’s question about what to do with stock positions and single stock positions, explaining the pros and cons of holding a concentrated stock position. 

He highlights the importance of understanding tax implications and assessing your ability to handle financial and emotional implications.

Questions Answered:
What should you do when you have a large concentrated stock position from an investment perspective?
How do you exit and diversify your position?

Timestamps:
0:00 intro
3:59 Single concentrated stock positions
4:47 The role of taxes
7:07 What’s the biggest risk?
7:52 Two examples
12:10 Takeaway
12:30 Other considerations
15:35 JP Morgan study
20:13 Here’s what I’ve noticed…
21:46 Understanding risk
24:16 What would I look at?
25:52 Outro

Create Your Custom Strategy ⬇️

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James debunks six popular rules of thumb that can actually do more harm than good when it comes to retirement planning. 

From the 100-minus-your-age stock allocation rule to the 70% to 80% income replacement myth, James breaks down why rules like these can be counterproductive and suggests alternative strategies that will help you create a personalized financial plan that meets your unique needs and goals. 

Questions Answered:
Which rules of thumb should not be universally applied?
What can you do instead?

Timestamps:
0:00 Introduction
2:36 The First Rule
5:57 The Second Rule
9:04 The Third Rule
11:48 The Fourth Rule
14:04 The Fifth Rule 
18:08 The Sixth Rule
20:09 How to Measure Risk
22:02 Outro

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In this episode, James tackles a listener’s question about investing a lump sum for his upcoming retirement. 

James analyzes one's situation and gives realistic insights on determining the right mix of stable and growth assets that will generate a rising income stream for the rest of your life. 

Tune in for tips on how to secure a comfortable retirement using a real-life example.

Questions Answered:
Should I invest lump sump sum or dollar cost average approach?
How do I invest a lump sum once I receive the funds?
What other planning points should I be aware of?

Time stamps
0:00 Intro
0:45 Listener Question
2:55 Summarizing
4:10 Will You Be Okay?
7:10 Make Sure That Number is Accurate
8:20 4% Rule
9:53 Guyton-Klinger Rule
10:53 Two Things to Note
13:30 You Need Income to Live on
15:15 Part 2 of the Question: How to Invest the Lump Sum
18:10 Dollar Cost Averaging
21:06 Using An Example
23:40 The Principle Is This
27:00 Properly Addressing Risk
28:50 Most People Do This…
30:25 Back to the Listener Question
31:00 Summary
32:20 Outro

Create Your Custom Strategy ⬇️

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Oftentimes we make decisions about our portfolios based on what we think is the smartest move. Yet when we do that, we can lose sight of the bigger picture. 

In this episode, we’ll discuss how the context in which you view your portfolio can steer your financial decisions for years to come.


Questions answered:
What’s the difference between financial strategy and financial tactics?
What are the key pitfalls to avoid?

Time stamps
0:00 Intro
1:15 Losing focus on the bigger strategy
2:40 Example of focusing too much on tactics
6:40 Your tactics would be…
7:45 Why Roth conversions aren’t always the right choice
8:50 Example of winning the battle but losing the war
11:00 Make sure you’re prioritizing strategy
11:20 Summary
11:54 Outro

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You might be missing something if you're focusing only on your initial withdrawal rate...

...on today's episode, we'll cover what you might be missing, and how you can maximize your portfolio withdrawal strategy.


Questions answered:
What is the 4% rule and how does it apply to me?
How should staggered income and expenses alter your withdrawal strategy?

Time stamps
0:00 Intro
2:15 What is the 4% rule?
4:00 Example of staggered income or expenses
9:13 You might be limiting your withdrawals
12:20 Staggered income and expenses
13:15 Example of staggered income and expenses
18:20 Looking at your portfolio differently
19:09 Summary
21:30 Conclusion
22:38 Outro

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In this episode of Ready for Retirement, James discusses how 4 reasons to NOT do a Roth Conversion.

Questions Answered: 

Timestamps:
00:00 - Introduction 
2:13 - Example
4:25 - Plan for Conversions
7:22 - Age / Life Expectancy
10:19 - Not ONLY A Dollar Amount
12:49 - RMDs
14:58 - RMD Example
17:02 - RMD Issue
19:00 - Working With Us

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In this episode of Ready for Retirement, James discusses how to protect your most important financial assets.

Questions Answered: 

Timestamps:
00:00 - Introduction 
2:13 - Downsides To Continuing Work
4:25 - Savings/Bonuses
6:55 - Financial/Personal
8:50 - Wages
12:03 - Financially Ready
14:58 - How Much?!
16:33 - TIME
17:02 - Working With Us

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In this episode of Ready for Retirement, James discusses how to protect your most important financial assets.

Questions Answered: 

Timestamps:
00:00 - Introduction 
1:30 - Income
3:25 - Compounding
5:04 - Take-Home Pay
8:50 - Wage Increases
10:03 - 1% Better
13:58 - How Much?!
16:33 - Summary of What's In Your Control
19:35 - Working With Us

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In this episode of Ready for Retirement, James discusses umbrella insurance coverage and how much you need.

Questions Answered: 

Timestamps:
00:00 - Introduction 
2:30 - Umbrella Insurance 101
3:25 - Home/Auto Policies
5:04 - Insurance Policies Examples
8:50 - Net Worth Value
10:03 - State Exemptions
13:58 - How Much?!
16:33 - Two Examples
19:05 - Working With Us

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In this episode of Ready for Retirement, James discusses Deferred Compensation Plans and how to consider them within your overall retirement strategy.

Questions Answered: 

Timestamps:
00:00 - Introduction 
2:30 - Deferred Compensation 101
3:25 - Retirement Expenses
5:04 - Tax Planning
8:50 - AVOID This Common Mistake
17:03 - Inflation Impact
19:58 - Deferred Comp Example
23:50 - Aligning Your Financial Goals
24:00 - Working With Us

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In this episode of Ready for Retirement, Ari Taublieb, MBA guest hosts the Ready for Retirement podcast to discuss where you should pull income from first when you retire early. Ari Taublieb, MBA is the Vice President of Root Financial Partners and a Financial Advisor. This episode is part three of a three-part series.

Episode Summary: 

Timestamps:
00:00 - Introduction 
1:41 - Assumptions
4:51 - Life First, Money Second
7:24 - Inflation & Taxes
9:55 - Rule of 55
12:17- 72(t) Distribution
15:30 - Income Needs
18:28 - Capital Gains Explained
22:15- How To Minimize Income
25:57 - Not Qualified
28:35 - Align Your Money With Your Goals

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In this episode of Ready for Retirement, Ari Taublieb, MBA guest hosts the Ready for Retirement podcast to discuss the 5 mistakes to make sure you avoid when retiring early. Ari Taublieb, MBA is the Vice President of Root Financial Partners and a Financial Advisor. This episode is part two of a three-part series.

Episode Summary: 

Timestamps:
00:00 - Introduction 
1:20 - Life over Money
3:03 - Legacy Goals
5:31 - Examples Examples Examples!
8:35 - Never Pay Taxes Again
10:52 - Standard Deduction v. Itemized Deduction
14:28 - Brokerage Account
19:17 - AAPL Stock Example
22:15- MASTER Tax Tip!
25:01 - Working With Us

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Create Your Custom Strategy ⬇️

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In this episode of Ready for Retirement, Ari Taublieb, MBA guest hosts the Ready for Retirement podcast to discuss the 5 mistakes to make sure you avoid when retiring early. Ari Taublieb, MBA is the Vice President of Root Financial Partners and a Financial Advisor. This episode is part one of a three-part series.

Ari is the host of the Early Retirement podcast available here. Ari is also on YouTube here.Create your customized early retirement strategy with Ari here. 

Episode Summary: 

Timestamps:
00:00 - Introduction 
1:30 - Pretend You're Retired Today
2:25 - Financial Freedom
5:31 - Retirement = Tradeoffs
8:35 - Life First
10:43 - Part-Time Income
12:40 - Financial v. Nonfinancial aspects
14:28 - Practice Retirement First
18:52 - Guardrails Approach
21:45- Aligning Your Financial Goals
23:45 - Working With Us

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In this episode of Ready for Retirement, James discusses how much you need to retire.

Questions Answered: 

Timestamps:
00:00 - Introduction 
2:30 - How much is ENOUGH?
3:25 - Retirement Expenses
5:04 - Assigning Your Dollars
8:50 - First Step
13:40 - Avoid THIS!
17:03 - Inflation Impact
19:58 - Taxes (Single v. MFJ)
21:55 - Health Considerations
23:50 - Aligning Your Financial Goals
24:00 - Working With Us

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In this episode of Ready for Retirement, James discusses what you should do with extra income after you max out your 401(k). 

Questions Answered: 

Timestamps:
00:00 - Introduction 
1:00 - Key Benefit
2:23 - Order of Operations
4:30 -  Where To Save Next
6:14 - Example (Person A v. B)
9:50 - HSA (Health Savings Accounts)
12:33 - Backdoor Roth Contribution
15:46 - Brokerage Account Hack
18:50 - Paying Down Debt
21:08 - ESPP
23:50 - Working With Us

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In this episode of Ready for Retirement, James discusses what you should do with your 401(k) when you retire.

Questions Answered: 

Timestamps:
00:00 - Introduction 
1:45 - Listener Question
3:23 - 401(k) Hidden Fees
7:52 - Gaining More Control
9:45 - Investment Options
13:40 - Clunky Planning
17:03 - After-Tax Contributions
21:05 - Net Unrealized Appreciation
24:02 - Tax Treatment
26:08 - Age Importance
29:50 - Working With Us

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In this episode of Ready for Retirement, James discusses with retirement life coach Cyn Meyer how to create the most meaningful retirement.

Guest:Cyn Meyer is a Retirement Life Coach and founder of Second Wind Movement. She has free resources here on her website available to all of you. Cyn also offers a free workshop here.

Questions Answered: 

Timestamps:
2:08 - Introduction 
4:03 - Fear-based living
7:22 - Subtle Isn't SUBTLE!
12:27 - Encourage Yourself
16:39 - Understanding The NEW You
20:46 - Overall Happiness Levels
23:29 - Intentional Work
26:08 - You Are Unique
20:50 - Working With Us

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In this episode of Ready for Retirement, James how to use Roth Conversions to protect your spouse's future.

Questions Answered: 

Timestamps:
00:00 - Introduction 
1:45 - Roth Conversions
3:23 - When To Implement
6:52 - Income Assumptions
9:27 - Taxable Income
12:05 - Roth Conversion Planning
14:35 - Surviving Spouse Tax Planning
16:48 - Life Insurance Protection
19:21 - Analysis Assumptions
20:50 - Working With Us

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In this episode of Ready for Retirement, James discusses when you should start withdrawing cash instead of stocks for retirement income?

Questions Answered: 

Timestamps:
00:00 - Introduction 
2:27 - Spending Down Cash
4:14 - Funding in Retirement
5:58 - Sustainable Withdrawal Rates
8:54 - Withdrawing Cash Instead of Stock
13:25 - Avoid Unnecessary Sales
17:25 - Conservative Assets Needed
20:35 - Allocation For Life
21:45 - Working With Us

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In this episode of Ready for Retirement, James discusses 8 important planning opportunities from the SECURE Act 2.0

Questions Answered: 

Timestamps:
00:00 - Introduction 
3:14 - SECURE Act 2.0 Overview
4:22 - RMD Changes
6:52 - Tax Planning Window Changes
9:04 - Roth Conversions
12:05 - 529 Plan to Roth IRAs
19:38 - RMD Spouse Changes
21:45 - RMD Changes (overall)
23:10 - IRA Catch-Up Contributions
24:40 - Employer Matching Contributions
26:00 - Roth 401(k) Catch-Up Contributions
27:05 - Catch-up Contributions
28:10 - Qualified Charitable Distributions
30:25 - RMD Penalties
32:45 - Working With Us

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In this episode of Ready for Retirement, James discusses 3 steps to make 2023 your best year yet.

Questions Answered: 

Timestamps:
00:00 - Introduction 
2:46 - Examples of Prudent Financial Decisions
5:23 - Future Assumptions
6:00 - Mindset Shift With Money
9:27 - Important Goals with Money
15:30 - What-If Scenario's
19:10 - Write Out Your Dream Future
20:35 - Implementing Your Vision
21:45 - Staying Present With Your Money

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In this episode of Ready for Retirement, James discusses 5 assumptions that you shouldn't make in retirement.

Questions Answered: 

Timestamps:
00:00 - Introduction 
4:22 - Example of an Investor
6:28 - Short-Term v. Long-Term
12:15 - Retirement Income (Reality)
16:15 - Aligning Your Financial Goals (Cash Flow)
19:30 - Portfolio Income Creation
20:45 - Summary of Assumptions

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In this episode of Ready for Retirement, James discusses if a reverse mortgage is a good "Plan B".

Questions Answered: 

Timestamps:
00:00 - Introduction 
5:05 - Reverse Mortgage Basics
9:35 - Example of Income Creation
12:15 - Retirement Income
16:15 - Aligning Your Financial Goals

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In this episode of Ready for Retirement, James discusses when it does (and doesn't) make sense to work with a financial planner.

Questions Answered: 

Timestamps:
00:00 - Introduction
3:05 - Cost/Benefit Decision
6:36 - Cost of an Advisor
11:30 - Partnering Throughout Life
16:45 - History of 4% Rule
23:09 - Sign of a Good Financial Life
28:05 - Working With Us 

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In this episode of Ready for Retirement, James discusses what investments you should own in your retirement portfolio?

Questions Answered: 

Timestamps:
00:00 - Introduction 
5:05 - Stock Ownership
12:15 - Company FAQs
19:55 - Just Need S&P 500?
26:03 - Safe Investments?
29:09 - How Much Do You Need?

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In this episode of Ready for Retirement, James discusses if withdrawal rates are still applicable in today's markets.

Questions Answered: 

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In this episode of Ready for Retirement, James discusses the pros and cons of Mega Backdoor Roth Conversions.

Questions Answered: 

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In this episode of Ready for Retirement, James discusses if you should get a 15 or 30 year mortgage. 

Questions Answered: 

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In this episode of Ready for Retirement, James discusses how to invest your bridge account.

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In this episode of Ready for Retirement, James discusses how to plan for retirement when you and your spouse will be retiring at different times.

Questions Answered: 

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In this episode of Ready for Retirement, James discusses why bond prices are falling and what you can do to protect your portfolio.

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In this episode of Ready for Retirement, James Conole discusses with guest, Ari Taublieb, the 5 steps so you can begin preparing for retirement today!

Ari is the Vice President of Root Financial Partners and host of the Early Retirement Podcast. Ari also has a YouTube Channel here where he discusses tips and strategies to retire early. 

Questions Answered: 

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In this episode of Ready for Retirement, James discusses if you how to know if you have enough to retire.

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In this episode of Ready for Retirement, James discusses if you should use Roth or Pre-Tax if you're in a 24% tax bracket.

Questions Answered: 

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In this episode of Ready for Retirement, James discusses a story to better understand what you're actually invested in.

Questions Answered: 

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In this episode of Ready for Retirement, James discusses the best way to help your children buy a home.

Questions Answered: 

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In this episode of Ready for Retirement, James discusses how to best align your portfolio with other income sources.

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In this episode of Ready for Retirement, James discusses if gold should be part of your investment portfolio.

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In this episode of Ready for Retirement, James discusses the best strategies for reducing RMDs (Required Minimum Distributions).

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In this episode of Ready for Retirement, James discusses how you can avoid the pitfalls of asset location.

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In this episode of Ready for Retirement, James discusses the best way to teach kids about money and investing.

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In this episode of Ready for Retirement, James discusses what return you should expect from a 60/40 portfolio going forward.

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In this episode of Ready for Retirement, James discusses how state taxes impact Roth v. Traditional Contributions.

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In this episode of Ready for Retirement, James discusses Rule 72t distributions to access retirement funds early and penalty-free.

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In this episode of Ready for Retirement, James discusses how to use individual stocks for better tax-planning.

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In this episode of Ready for Retirement, James discusses how to most effectively pull funds out of your college savings account.

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In this episode of Ready for Retirement, James discusses how to turn real estate equity into income in retirement.

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In this episode of Ready for Retirement, James discusses if rental real estate is a good idea in retirement.

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In this episode of Ready for Retirement, James discusses with guest, Ari Taublieb, the four most important steps when considering an early retirement (non-traditional retirement). Ari is a financial planner at Root Financial Partners. Ari Taublieb is the host of the Early Retirement podcast. Ari also has a YouTube channel focusing on early retirement.

Questions Answered: 

Check us outherefor more content to help you create a secure retirement:YouTube - Root Financial Partners

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