Retirement Answer Man

Roger’s YouTube Channel - Roger That

BOOK - Rock Retirement by Roger Whitney

Your Non-Financial Plan: A Great Life Is About More than Money May 05, 2021

Show notes

Retirement is about much more than finances. Money is important to mastering retirement, however, it isn’t everything. To have a successful retirement you must start with a strong financial plan and then begin to consider everything else.

Over the next 4 episodes, we will discuss your non-financial plan. You must have a strong understanding of what is important to you before you begin retirement because someone or something is sure to fill your time when you retire.

Make your retirement count by identifying your purpose to help you determine your new rhythm of life. This 4 part series will help you realize the importance of your non-financial plan in retirement.

Start by getting your money right

The key to beginning any non-financial plan is by first ensuring that your finances are in order. You can’t begin to focus on the rest of your retirement without having your financial plan in place.

The first step to any financial plan is by separating your desires into needs, wants, and wishes. Think about what a fulfilling life would look like to you and then consider how you will pay for it.

There are 3 ways to pay for life in retirement: social capital, human capital, and financial capital. After identifying how much money you will have from those first 2 areas you can then understand how much of your savings--your financial capital--you’ll need each month. The key to creating a financial plan in retirement is by staying agile.

What do you lose when you leave full-time work?

When you leave your full-time job to retire you lose more than just a paycheck. Many people don’t consider this, but a lot of the anxiety over planning for retirement is about the void that is created by stepping away from the professional world.

You will need to learn how to create a paycheck in retirement but you’ll also need to learn how to create structure, social connections, and how to establish an intentional rhythm to your life. Have you considered how you will fill the void that your work life will leave behind?

What are the elements of life that will help you rock retirement?

What do you need to live a good life? I’m not referring to the material things that surround you, I mean the non-tangible elements in life. Relationships, congruency, self-growth, gratitude, and agency are all examples of these intangible elements that are so important to living a fulfilling life. You’ll need to consider these intangibles if you want to create an amazing life in retirement. Listen in to discover why the intangibles are so important to your non-financial plan.

Join me for the live webinar!

If you found this episode helpful, be sure to check out next week’s webinar. On May 13 at 7 pm CDT I’ll be hosting a live webinar where you will learn what it takes to build your own non-financial retirement plan. Not only will you learn all about how to use the pie cake retirement investment plan, but you’ll also learn the elements to consider on the non-financial side of retirement. Additionally, you’ll get a sneak peek into the RRC. Click here to register now!

OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT

[6:02] What are the elements of life that will help you rock retirement?
[8:45] What do you lose when you leave full-time work?
[13:20] Start by getting your money right

Q&A SEGMENT

[16:58] A question about a 457 plan
[18:31] What are the pros and cons of listing your estate as a beneficiary?
[21:30] The pro-rata rule

TODAY’S SMART SPRINT SEGMENT

[23:43] What non-financial elements of your life will change in retirement?

Resources Mentioned In This Episode

LiveWithRoger.com

Roger’s YouTube Channel - Roger That

BOOK - Rock Retirement by Roger Whitney

Asset Allocation Ingredients: What Are UITs and Structured Notes? Apr 28, 2021

Show notes

As you start retirement planning you’ll want to think about using various types of retirement vehicles. This is why we are exploring different asset allocation ingredients in this series. I want you to understand the basics of these investment vehicles so that you can make an educated decision on what to include in your retirement portfolio.

Today you’ll learn about closed-end mutual funds, UITs, and structured notes. Listen in and learn why it’s important to keep your investments simple. Don’t need to overcomplicate your investments.

What is a closed-end mutual fund?

The biggest difference between a closed-end mutual fund and an ETF or open-ended fund is they issue a fixed number of shares. Because of this, closed-end mutual funds act more like individual stocks. They even have an initial public offering just like a stock does. Sometimes they will even roll out a secondary offering. Since there are a limited number of shares, that means there is no more money coming in or out of the fund. Closed-end funds also use leverage as a way to improve returns.

What are the advantages of closed-end mutual funds?

Open-ended funds and ETFs always trade at net asset value, however, closed-ended funds can trade at a premium or at a discount. They aren’t typically purchased at the net asset value.

Closed-ended funds don’t experience cashflow issues since they have a fixed amount they are investing. They don’t have to sell securities just because someone needs the money. People usually buy closed-end funds because of the distribution yields they payout. But it is important to remember that the high yield is usually due to the leverage they use. Discover the disadvantages of closed-end funds by pressing play.

What is a unit investment trust (UIT)?

A unit investment trust (UIT) is a fixed portfolio. You’ll get a basket of securities in certain percentages that stays consistent over time. At a predetermined date, this trust matures like a bond and you’ll receive the cash value. The benefits of UITs are the costs and the lack of yearly capital gains. Since the trust matures at a certain time you will only need to worry about capital gains taxes at that time. They are also low in cost due to less management. Discover why I haven’t used UITs and why I really don’t like structured funds by listening.

Check out the Rock Retirement Club

The Rock Retirement Club is our online university that will empower you to rock retirement. The online courses will teach you how to build your retirement plan step by step. You’ll learn how much is enough and when you can retire. In addition to being part of the amazing community of like-minded people walking the same journey, you’ll also gain access to retirement calculators, spreadsheets, and other tools to help you rock retirement.

OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT

[4:38] What is a closed-end mutual fund?
[8:31] What are the advantages and disadvantages of closed-end mutual funds?
[12:57] What is a unit investment trust (UIT)?

Q&A SEGMENT

[19:17] How much is too much for a 5-year plan?
[25:03] A healthcare before Medicare question
[30:34] Self-funding long term care insurance using your home

TODAY’S SMART SPRINT SEGMENT

[37:13] Think about what you can accomplish between now and the end of the year

Resources Mentioned In This Episode

Check out the long term care insurance series by starting here

Roger’s YouTube Channel - Roger That

BOOK - Rock Retirement by Roger Whitney

Asset Allocation Ingredients: What Is a Separately Managed Account (SMA)? Apr 21, 2021

Show notes

Retirement planning takes many different forms, but to effectively manage your money in retirement it is important to know the types of investment accounts that are available. This is why I am hosting the Asset Allocation Ingredients series.

Over the course of this series, we explore what goes into your investment mix. This episode focuses on separately managed accounts. You’ll learn what they are and their advantages and disadvantages.

Make sure to stick around for the listener questions segment to hear answers to questions from listeners like you.

What is transformation?

Transformation means a dramatic change in form or appearance. However, there are many transformations we can make in life that aren’t physical. Common life transformations occur when we leave school and enter the professional world, go from single to married life, and of course, from working to retired.

A transformation can be triggered by a few different things. It could be triggered by a life event, or it could be a gradual change over time, or simply by you looking for a change in your life. Are you working towards any transformations in your life?

What is a separately managed account?

A separately managed account is a portfolio managed by a third party. Essentially, you are assigning the management of funds to a money manager who is implementing the portfolio that you have hired them for.

A separately managed account is different from an ETF or mutual fund in that you open an investment account at a firm and the account manager will build the portfolio based on the strategy you choose. It’s like a mutual fund that is completely unwrapped. You own each individual position in that account rather than in a bundle.

What are the advantages and disadvantages of separately managed accounts?

Some advantages to SMAs are:

You have access to institutional managers that don’t manage mutual funds.
You can customize your account by setting restrictions on what is allowed.
You maintain better control of the realization of gains and losses.

There are a few disadvantages:

There are fewer options to choose from.
The baseline to open an account is higher.
Fees are generally higher than other types of accounts.
They add more complexity to your portfolio.

Are separately managed accounts a part of your portfolio? What do you like about them?

What’s coming up next on Retirement Answer Man

Make sure to check out the next episode where we will explore UITs and structured notes. After this deep dive into the financial aspect of retirement, next month our focus will shift to the non-financial side of things. You won’t want to miss out on building your non-financial retirement plan.

OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN WHAT DOES THAT MEAN?

[2:10] What is transformation?

PRACTICAL PLANNING SEGMENT

[5:49] The basics of a separately managed account
[10:08] Disadvantages to this kind of structure for investments

Q&A SEGMENT

[14:24] A thank you from Dennis
[18:21] How to choose mutual funds
[21:38] The tax deductibility of long-term care
[23:52] How did I calculate the discount rate in the Retirement Plan Live webinar
[31:11] What do you do with tax liability on a net worth statement?

TODAY’S SMART SPRINT SEGMENT

[34:05] Think about a transformation that you are working toward

Resources Mentioned In This Episode

Roger’s YouTube Channel - Roger That

BOOK - Rock Retirement by Roger Whitney

Asset Allocation Ingredients - What is a Mutual Fund? Apr 14, 2021

Show notes

This month we are discussing the ingredients that make up your retirement portfolio--your pie cake. In the previous episode, we took a deeper look at ETFs, and in this episode, we explore mutual funds.

You probably have mutual funds somewhere in your portfolio, but you may not know exactly what they are. On this episode of Retirement Answer Man, we will take a look at what a mutual fund is so that you can determine if you should have one in your retirement toolbox.

Is the Rock Retirement Club right for you?

To truly rock retirement you need to do 3 things.

Build a solid retirement plan that will act as your decision-making framework to help you implement an agile process throughout your retirement.
Find a safe place where you can get unstuck whenever you get stuck building your retirement plan. You need a place where you can keep your momentum going and you can get answers to the questions you have.
Surround yourself with people who are intentional about living this part of their life. Get inspired by others and inspire others so that you can all rock retirement together.

You can find all 3 of these things in the Rock Retirement Club. If this sounds like it could help you plan the next chapter of your life check out RockRetirementClub.com.

Have you collected investments and accounts?

As you approach retirement, you may notice that you have a lot of financial clutter. You have probably worked a few different jobs and over time, you may have collected retirement investment accounts in various places. You may also have several types of investments in different accounts.

When you are approaching retirement this can be a problem. These investments can be a financial mess. The complexity can be confusing and overwhelming. When building a retirement investment portfolio take the time to make it simple. Determine what kind of portfolio you want to build to support your retirement.

What are open-ended mutual funds?

Mutual funds are similar to ETFs which we discussed in the previous episode. However, in a mutual fund investors pool their money together into an existing portfolio. Mutual funds are priced only once per day based on the net asset value and they are traded only once per day based on that price.

What are the advantages and disadvantages of open-ended mutual funds?

Just like any other investment, mutual funds are neither good nor bad. They are simply a tool to add to your investment toolkit. One advantage of mutual funds is that there is no tracking error since it is priced on the net asset value. They are easy to invest and there is a huge menu of investment options. Open-ended mutual funds are extremely liquid so you can get in and out of them easily. Listen in to hear what the disadvantages of mutual funds are. You’ll also hear me answer several listener questions with Nichole. Press play now.

OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT

[4:38] Have you collected investments and accounts?
[7:25] What are open-ended mutual funds?
[9:51] What are the advantages and disadvantages of open-ended mutual funds?
[19:07] Open-ended funds are neither good nor bad

Q&A WITH NICHOLE

[21:52] How to use a set portfolio to build your pie cake?
[26:41] Should your withdrawal strategy change if you don’t have kids?
[30:37] What to do with a 457B plan?

TODAY’S SMART SPRINT SEGMENT

[34:36] Question what you are doing--what else could you be doing?

Resources Mentioned In This Episode

Episode 370 - The recent episode with Fritz Gilbert

Episode 372 - Start here if you want to learn more about building your pie cake

Episode 363 - The beginning of the Let’s Get Physical health series

BOOK - Atomic Habits by James Clear

Roger’s YouTube Channel - Roger That

BOOK - Rock Retirement by Roger Whitney

Taxes in Retirement Facebook group

Asset Allocation Ingredients: What is an Exchange Traded Fund (ETF)? Apr 07, 2021

Show notes

If you have listened to this show for a while you know that I like to create a retirement withdrawal strategy based on the pie cake. However, we haven’t discussed what goes into the mix.

Over the next several episodes, we’ll dive into the details of asset allocation. You’ll learn a bit about ETFs, mutual funds, separately managed accounts, and UITs. On this episode, in addition to answering listener questions with Andy Panko from Retirement Planning Demystified, you’ll learn about ETFs and their pros and cons.

Building your pie cake

In retirement, your portfolios need to reflect when you plan on spending those funds. I separate these portfolios into what I call the pie cake. The basis of the pie cake, is of course, the plate. Your plate will contain your contingency fund and emergency fund. The first layer of your pie cake contains the money that you will use to fund your life over the next 4-5 years. The next layer will contain funds that have a different asset allocation. It may contain funds that are more of a mix of stocks and bonds. In your last layer, you have your long-term assets which will consist mainly of stocks.

What are the ingredients of the pie?

Now that you have the cake set up you’ll need to consider what you’re going to put into each pie. Each layer of the pie cake is different and must be made separately. You’ll want to consider what ingredients you want to add.

How many ingredients do you want to have in your mix? I like to have as few ingredients as possible. Try adding complexity to your ingredients by diversification rather than simply adding more ingredients. What would you prefer in your pie--simple ingredients or complex ones with names you can’t pronounce?

What is an exchange-traded fund?

An exchange-traded fund (ETF) is an instant portfolio. It is different from traditional mutual funds in that an ETF trades like a stock--you can buy call options or put options. They can be highly managed or not depending on what you buy, so pay careful attention to the fees attached.

One unique mechanism ETFs have is that the managers buy stocks that represent the portfolio you are trying to match. They track very closely to the net asset value. Learn more about ETFs by listening to this episode of Retirement Answer Man--make sure to stick around for the listener questions with Andy Panko.

What are some advantages and disadvantages to ETFs?

ETFs aren’t all good or all bad. They have their pros and cons. One advantage to an ETF is that you have an instant portfolio. Another advantage is the clarity. You know what is inside the fund at all times. They are also transferable between different brokerage houses and are quite tax efficient.

On the flip side, if you buy an ETF that is focused on an index you may get less diversification than you think. So make sure to dig under the hood a bit to understand what it is that you are buying. ETFs can also be more expensive if it is more actively managed. Press play to hear the difference between an organic and manufactured ETF.

OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT

[1:50] How to build your pie cake
[3:23] What ingredients do you need to create your pie?
[7:48] What is an exchange-traded fund?
[11:28] What are some advantages and disadvantages to ETFs?
[15:31] There are organic and manufactured ETFs

Q&A SEGMENT WITH ANDY PANKO

[19:23] Tax planning in retirement
[23:40] Can you use one spouse's HSA to pay for the other spouse’s medical expenses?
[26:55] How to balance retiring with college expenses ahead of you
[31:30] Roth conversions and the pro-rata rule
[38:32] Andy gives me some tax advice
[42:28] Can I recommend a First Pen?

TODAY’S SMART SPRINT SEGMENT

[43:45] Take a look at your portfolios and ask yourself if they are too complex

Resources Mentioned In This Episode

Retirement Planning Demystified on YouTube

BOOK - Thinking in Bets by Annie Duke

Roger’s YouTube Channel - Roger That

BOOK - Rock Retirement by Roger Whitney

What to Do in the 5 Years Before Retirement: Wisdom from Current Retirees Mar 31, 2021

Show notes

Do you know what you should be doing in the 5 years leading up to retirement? Are you doing everything you can to get yourself retirement-ready?

This is the last episode in a 5 part series that expands upon what you need to do in the final push before retirement. If you’d like to start at the beginning of the series click here.

Today we’ll hear from the audience. I have asked those that have already retired to share what they wish they would have known before retirement. Listen in to hear their words of wisdom so that you can make sure to rock your retirement.

Your mental model can determine your success

How do you envision your retirement? Are you stressed about the logistics? Can you visualize yourself living out your retirement dream?

Many of us get caught up in the numbers side of retirement planning. And although it is important to have a good financial plan in place, what can be even more important is your model of what is achievable. If you don’t think your goal is achievable you’ll never be able to realize it.

One way to adjust your mental model is to hang out with and learn from people that are already there living the way you want to live. Learning from them can help you evolve your own mental model. Listen in to expand your vision of what is possible in retirement.

Words of wisdom from current retirees

Over the past month, I have been asking listeners who are recent retirees to chime in with pieces of advice that they wish they had known before they retired. I got some fantastic responses via email and voicemail.

Chase wishes he had talked with others about their Medicare plans before choosing his own. Even after all his time researching, he felt like he made a poor choice of plans. During his next enrollment period, he’ll go with a different plan that a friend uses.

Kyle wishes he had paid more attention to tax brackets. He was a fantastic saver over the years, but didn’t focus on the different types of accounts he was saving in. This won’t be helpful when it comes to tax planning in retirement.

On the flip side, Doug is very pleased that he laid out an income strategy in his retirement plan. Tax planning was a big part of the way he planned.

Glen recommends paying off the mortgage in the years leading up to retirement. Not only did it feel great to pay off, but this also allowed him to test drive his retirement budget. Listen in to hear how Glen did that.

Create your retirement plan and stay agile

Looking at the big picture and creating your retirement model will help you envision the life you want. Engage with your spouse if you are married and discuss what life could be like. Knowing where you want to go helps create the mindset you need to move forward with confidence and to live life without regrets.

Organization is power, so have a game plan and be ready to execute it. You can always make adjustments as the retirement game unfolds. If you stay agile then you can adjust your plan as needed.

Don’t miss out on all the words of wisdom from our listeners. They have some fantastic advice to get you moving on your retirement journey.

OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT

[3:30] Your mental model of what is achievable is just as important as everything else
[4:42] Ask others about their Medicare plans
[6:36] Building out a retirement helps to picture what could be
[8:31] knowing where you want to go creates the proper mindset to move forward with confidence
[10:02] Kyle wishes they had paid more attention to tax brackets
[11:53] It’s important to have nonwork friends
[16:09] You will lose your life insurance if it is through work
[18:44] Wishes he put more 401K into Roth
[22:02] Allow yourself to relax

Q&A SEGMENT

[24:29] A long-term care buyout question
[30:35] A MYGA fixed annuity question

TODAY’S SMART SPRINT SEGMENT

[33:11] Think about your mental model -- is it holding you back?

Resources Mentioned In This Episode

Long-term care series - Start at episode 311

Breaking the 4 Minute Mile from Harvard Business Review

Roger’s YouTube Channel - Roger That

BOOK - Rock Retirement by Roger Whitney

On Your Mark Get Set Go: How to Gracefully Cross the Finish Line into Retirement Mar 24, 2021

Show notes

Are you within 5 years of retirement? If so, it’s time to start training. Retirement is like a marathon, and you need to be ready to run it. This episode is part 4 of a 5 part series on what to do in the 5 years leading up to retirement. Today you’ll learn how to properly train for the marathon that is retirement so that you can enjoy the run when you get there.

Are you signed up for the 6-Shot Saturday newsletter? Make sure to get on the email list so that you can receive a comprehensive guide that lays out what you need to focus on in the 5 years leading up to retirement. Next week you’ll hear tips from current retirees who are a few steps ahead of you on this journey, so don’t miss it!

Expert advice from those who have walked the walk

Many of you have wondered how our Retirement Plan Live case study participants have fared in retirement. A few years ago, our first participant, Carl, came out of the closet to let everyone know that he is actually Fritz Gilbert from The Retirement Manifesto.

Fritz joins me today to share his experience in writing his blog and what he learned from planning his retirement. Now that he has a few years of retirement under his belt he can reflect on what worked, what didn’t, and what were the integral parts of his retirement planning. Come listen to those who have already walked this walk. Let’s see what we can learn from them. Listen in to hear Fritz’s story.

Fritz’s takeaways from his retirement planning

So, what did Fritz learn from his retirement planning? He did so much to plan for retirement, but certain things that he did proved more helpful than others. During his one phase of planning for retirement, Fritz created a pre-retirement checklist.

He had never made a budget before but knew he had to have an understanding of how much he and his wife spent each month. They successfully tracked their spending by category for 11 months so that they could break those expenditures down into necessities and discretionary spending.

After having a better understanding of his spending he was able to lay everything out in a cash flow timeline. Fritz projected his cash flow for the first 5 years of retirement which helped him understand how and where he needed to put his money.

What was the biggest adjustment for Fritz in retirement?

One thing that people don’t plan for is how they will move from the accumulation phase of investing to the withdrawal phase. This stage of investing requires a completely different approach to managing a portfolio.

Your new investment plan must be in place from day 1 of retirement, so it will need to be planned out a few years prior to retiring. Have you considered hiring a financial planner as a consultant to check your retirement plan?

The non-financial aspects of retirement are just as important as the financials

When people talk about the changes of retirement they are referring to the non-financial aspects of this stage of life, yet most people focus solely on planning the financial part of the puzzle. Your best chance for a great retirement is finding out what gets you excited about life. What will give you purpose when you retire?

When you retire you’ll leave your network of friends, the structure, routine, challenges, and rewards of your work life behind. This freedom can be liberating or paralyzing. Think about ways that you can give back and focus on others. Listen in to find out how Fritz’s 10 commandments of retirement helped him stay focused on rocking retirement.

OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN WHAT DOES THAT MEAN?

[1:56] What is a marathon?
[4:25] Retirement is like a marathon
[12:03] Your marathon should be enjoyable

PRACTICAL PLANNING SEGMENT

[15:10] Fritz Gilbert aka Carl reflects on his retirement planning
[18:12] Fritz was never a budgeter
[21:15] Were there any spending surprises?
[27:50] Get your investing plan in place
[32:14] The non-financial aspects of retirement can be a source of anxiety as well
[46:07] Define your values

Q&A SEGMENT

[49:09] Are there any tax consequences to consolidating your retirement accounts?
[51:19] How will Social Security work with a disabled child?
[54:30] What are you trying to optimize for in your planning?

TODAY’S SMART SPRINT SEGMENT

[58:22] Start to put your plan together

Resources Mentioned In This Episode

Retirement Manifesto

Roger’s YouTube Channel - Roger That

BOOK - Rock Retirement by Roger Whitney

What to Do in the 5 Years Before Retirement: On Your Mark, Get Set, Go - Your Non-Financial Pit Strategy Mar 17, 2021

Show notes

Have you ever tried Googling your specific retirement questions? Chances are, those Google searches gave you more confusion than clarity. We all want to rock retirement, but there is a long road from where you are today to the retirement of your dreams.

My goal with the 5 episode What to Do in the 5 Years Before Retirement series is to teach you what you need to focus on in those years leading up to retirement. I want you to have the knowledge and power you need to truly rock retirement. If you want to learn what it takes to fulfill your retirement dreams then press play now.

Identify your values

Many people think that they are most worried about the financial aspect of their retirement but they don’t want to acknowledge the fact that they are worried about other areas of retirement as well. Instead of recognizing these worries, they redirect their worries to the financial areas.

One way to begin to get started planning the non-financial side of retirement is by identifying your values. Think about who you want to be. What do you want your life to represent? You can create a new identity for yourself in retirement that reflects your true self.

Once you identify your values you can then create your mission statement. Take some time to reflect on what you really want as you work through these exercises.

Get off the career treadmill

In your career, you have been focused on achievement for decades, but in the last 5 years of retirement, you need to mentally separate yourself from your career. Work has always come first, but it won’t be that way for long. Since you are no longer trying to get that next promotion it’s time to start setting boundaries.

Try taking a retirement rehearsal. Think about where you want to live and what you want to do in retirement and take a month off of work to go there and do what you would be doing.

Expert advice from those who have walked the walk

Listen in to this episode to hear this interview with the Rock Retirement Club’s very own retirement coach, Kevin (Beachwalker) Lyle. He’ll share his experience from his own retirement as well as the wisdom he has learned from others in his time coaching with the RRC.

OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT

[6:39] Acknowledge the stress you feel
[8:02] Identify your values
[13:22] You need to get off the career treadmill
[19:05] Book recommendations

Q&A SEGMENT

[22:34] Why don’t more planners use a fee-only structure?
[33:30] Annuities are now offered in 401K and 403B plans, are there any plans with lower fees?
[35:47] Stop looking for a deeper meaning to everything
[37:05] Can you use an HSA plan for healthcare premiums?

TODAY’S SMART SPRINT SEGMENT

[40:23] Think about the non-financial changes that will happen in retirement

Resources Mentioned In This Episode

BOOK - Halftime by Bob Buford

BOOK - Boundaries by Henry Cloud

BOOK - The New Retirementality by Mitch Anthony

Annuity series