Ready For Retirement

Latest Episodes:

5 Steps To Create A Meaningful Retirement with Cyn Meyer Jan 31, 2023

Show notes

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:

What are the best ways to have a meaningful retirement?
What are the best strategies to implement TODAY to start preparing for your dream retirement?
How can your overall retirement strategy be improved?

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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How to Use Roth Conversions to Protect Your Spouse's Future Jan 24, 2023

Show notes

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

Questions Answered:

What are the best ways to implement Roth Conversions?
What are the best strategies to implement tax planning for your spouse?
How can your overall retirement strategy be improved?

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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When Should You Start Withdrawing Cash Instead of Stocks For Retirement Income? Jan 17, 2023

Show notes

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

Questions Answered:

What is the best way to optimize withdrawals?
What are the best strategies to optimize pulling funds from cash vs. stocks?
How can your overall retirement strategy be improved?

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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8 Important Planning Opportunities From the SECURE Act 2.0 Jan 10, 2023

Show notes

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

Questions Answered:

What are the major changes from the SECURE Act 2.0?
What are the best strategies to implement from the SECURE Act 2.0?
How can your overall retirement strategy be improved?

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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3 Steps to Make 2023 Your Best Year Yet Jan 03, 2023

Show notes

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

Questions Answered:

What is the best way to get your "money right"?
What are the best strategies to optimize your money choices?
How can your overall retirement strategy be improved?

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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5 Wrong Assumptions People Make About Retirement Dec 27, 2022

Show notes

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

Questions Answered:

What are the best practices when making assumptions in retirement?
What are the best strategies to create income in retirement?
How can your overall retirement strategy be improved?

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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Is a Reverse Mortgage a Good "Plan B"? Dec 20, 2022

Show notes

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

Questions Answered:

What are the best practices when using a reverse mortgage?
What are the best strategies to create income in retirement?
How can your overall retirement strategy be improved?

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

Check out all of our podcast episodes and more on our YouTube channel here!
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When Does it Make Sense to Work with a Financial Advisor? Dec 13, 2022

Show notes

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:

When does it make most sense to consider working with a financial advisor?
What are the main benefits you can expect from working with a financial advisor?
How can your overall retirement strategy be improved by having a financial advisor?

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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What Investments Should I Own in My Retirement Portfolio? Dec 06, 2022

Show notes

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

Questions Answered:

What are the best investments to provide income throughout retirement?
What are the best strategies to maximize income?
How can your overall retirement strategy be improved?

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?

Check out all of our podcast episodes and more on our YouTube channel here!
LET'S CONNECT!

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Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play

Create Your Custom Strategy ⬇️

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Are Withdrawal Rate Rules Still Applicable in Today's Markets? Nov 29, 2022

Show notes

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

Questions Answered:

Can we still trust withdrawal rate rules?
What are the best strategies to maximize income?
How can your overall retirement strategy be improved?

Check out our main channel for all of our podcast episodes and more on YouTube here!
LET'S CONNECT!

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Create Your Custom Strategy ⬇️

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