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The New Retirement – Robert Margetic
66 minutes | Nov 11, 2012
The New Retirement – Choices
You have many choices to make in retirement. Some are one time choices, like selecting your Social Security or pension benefits. Many others are ongoing. Once you begin Medicare you will need to make a choice each year during open enrollment. This choice can cost or save you thousands. Lloyd Schneider (http://www.mintcofinancial.com), an expert in Medicare Supplemental Plans will explain your options and how to make a choice best suited to you. You will need to make ongoing choices regarding your investments. Marv Doniger talks about the importance of dividend paying stocks in your portfolio. You may want to quit your current career or you may be bored with retirement and think starting your own business makes sense. Kim Kirmmse Toth (http://www.positiveaginginc.com)walks us through the choices you need to make if you are to be successful.
67 minutes | Oct 28, 2012
The New Retirement – Education and Expense
Many have seen much of their wealth dissipate over the last several years. A slow economy and massive debt will likely limit returns on investment for many years to come. High unemployment and no salary growth limit what you can save to rebuild your wealth. With rates-of-returns and pay increases stagnant, to rebuild wealth astute savers turn their attention to better educating themselves on financial management and to lower expenses. Travis Freeman, (http://www.financialbootcamp.net) CFP founder of Four Seasons Financial Education explains what many planning for retirement need to know to take charge of their financial affairs. The expenses you pay to those who manage your money may be a lot more than you think. Simply saving an additional 1% compounded over time means your nest egg can grow much larger. Mark Cortazo CFP (http://www.flatfeeportfolios.com), founder of MACRO Consulting Group offers a different fee based model for money management. His flat fee approach can save you you a lot.
66 minutes | Aug 19, 2012
The New Retirement – Transitions
We've all been through transitions in our lives. Leaving home, going to college, starting a new job or family, these transitions can be both exhilarating and frightening. You can tap this experience as you move through your next transition being a career change or an encore career in retirement. Studies show people keeping busy by doing something of importance to them extends their lives and adds enjoyment to the next phase of life. Matthew Tuttle (http//www.tuttlewealth.com)CFP and CEO of Tuttle Wealth shares how he helps his clients transition their lives and investment portfolios. Isabelle St- Jean (http://www.inspiredmomentum.com) is a Certified Retirement Coach. She shares her process on how you can approach and manage major life transitions.
67 minutes | Aug 12, 2012
The New Retirement – Money, Money, Money
There is a lot to think about when planning your retirement besides money. Yet, the quality of your life and your anxiety level may be determined by the decisions you make about your money. Will you manage it yourself or hire someone to manage it for you? Do you have a strategic approach to manage your money or fly by the seat of your pants. There are sound techniques and questionable approaches to investing your money. Join us as we discuss a sound approach to make your money meet your goals and last your retirement. David Houle, CFA and Elliott Orsillo, CFA (http://www.seasoninvestments.com) co-founders of Season Investments share how they approach personalized money management and the difference when your adviser has a fiduciary responsibility to you versus a suitability approach. Then Elle Kaplan (http://www.lexioncapital.com)Founding Partner of Lexion Capital Management explains the importance of each person having the basic education on how their money works. She also delves into the importance of tying your investment portfolio to your goals. Listen and learn how to reduce your investment risk while achieving your goals.
66 minutes | Aug 5, 2012
The New Retirement – Of Money and Marriage
Does 7% return on your investments sound good? Is it reasonable? In a low interest rate, low inflation environment amidst all of the economic uncertainty 7% may be a desirable target. John Graves (http://theretirementjournal.com), an investment adviser and author of The 7% Solution will explain how he does it and how you can too. If you don't always communicate with your spouse in a clear and understandable manner, you may not be alone. Author Miriam Goodman (http://toomuchtogetherness.com)has found many couples are anxious and worried about being together all the time. She shares tips from her book Too Much Togetherness to help you prepare psychologically for the challenges ahead in retirement.
68 minutes | Jul 29, 2012
The New Retirement – Of Advice and Guarantees
Cost and risk will continue to shift to new retirees. This will increase the demand for sound objective advice. Not all financial advisers are the same. John Balcerzak (http://www.a4wealth.com)CFP will explain the difference of advisers who have fiduciary responsibility and those who don't and the things you need to be aware of. He will also walk through his approach to working with clients. Guarantees in retirement are nice but hard to find. There are concerns on the viability of Social Security and Medicare and now corporate and municipal pension. With the shift of cost and risk, new retirees will search for some form of predictability and guarantees. Insurance companies may be the last stand of stability. Annuities and life insurance can make sense for some retirees. Unfortunately, these products are sometimes sold with a conflict-of-interest on the part of the salesperson. Tom Hegna (http://www.paychecksand playchecks.com)author of Paychecks and Playchecks: Retirement Solutions for Life explains how these products work, when to use them and what questions to ask before you buy. Listen to see how these can be of help to you.
56 minutes | Jul 22, 2012
The New Retirement – Who are you going to be when you retire?
Many people make financial plans for retirement but don't plan on what to do with all of their free time. It's likely you will spend 20 to 30 years in retirement and lacking something of substance to do has been shown to shorten lives. There are three ways people spend their free time in retirement. First, some go in with no idea of what they will do and wing it. They usually end up frustrated and unfulfilled. Second, circumstances force your hand. Our first guest, author Barbara Singer (http://www.livingwithoutreservations.com)shares some of the trauma she experienced and how she used that to live a lifestyle of her dreams. For those who don't want to leave things to fate, our second guest author and financial adviser Keith Weber (http://www.retirement2020.com)tells us how to plan an encore career where you can achieve your goals and dreams in an orderly and predictable fashion. He will also share ideas on managing your costs in retirement.
62 minutes | Jul 15, 2012
The New Retirement – Predictable Engagement
One key retirement goal is financial security. We get this when we have ample and reliable income and predictable expense. As long as you can manage both sides, income and expense, your retirement can become sustainable. Steve Knudson (http://www.financialguide.com) a financial adviser with thirty years of experience shares his insights on how to manage both sides of the ledger. Sometimes predictability can lead to boredom. Spending twenty to thirty years in retirement with little or nothing to do can drive many people stir crazy. New retirees will need to be engaged in matters of personal importance. Lisa Taylor (http://www.challengefactory.ca)CEO of The Challenge Factory tells us how to shift into successful, meaningful and balanced 'Legacy Careers'. Learn what questions to ask and how to structure your approach to the next phase of your life.
69 minutes | Jul 8, 2012
The New Retirement – Up in the Heir
Many people fear spending principal in retirement. One reason is the fear of out living their money. Another is there will be little or nothing left for their heirs. Yet, there are ways to spend principal to maintain your lifestyle in a prudent manner. Whether you leave money for your heirs is more of a personal decision. Many people feel they need to take care of themselves first and what's left is what's left. Tony Walker (http://www.tonywalkerfinancial.com), a financial adviser, explains ways and reasons to prudently use your principal to supplement your income. When you use principal as part of your income stream it eases the burden of not being able to save enough. You may also have your heirs as a current expense. Over 30% of recent college graduates have moved back home. Fifty-seven percent of parents state they are providing some sort of financial assistance to their adult children. Dick Wright (http://www.getmorefries.com)offers techniques to help your kids become more competitive in the job market by teaching them enhanced relationship skills. The kind that aren't taught in school. Maybe if you can help your kids help themselves then they won't be quite as dependent on an inheritance, allowing you to spend some of the principal without regret.
64 minutes | Jul 1, 2012
The New Retirement – Seeking Value in Hidden Assets
You may extra value in things you don't think have value. For instance, you can potentially sell your existing life insurance policy to investors for cash today. They will pay you a percentage of the death benefit today. If the policy no longer makes serves its original purpose, don't cancel it, sell it. Scott Page (http://www.thelifeline.com)CEO of The Lifeline Program discuss the pros and cons of selling your policy along with what is required to complete a sale. If you own your own business, you may be leaving money on the table when you get ready to sell. Make sure your business has 'curb appeal' to potential buyers to maximize your selling price. Kerri Salls (http://kerrisalls.com)has over 40 years experience helping business owner increase the value of their businesses. Learn how to dress up yours.
60 minutes | Jun 24, 2012
The New Retirement – Busyness and Budgets
What are you going to do when you retire- how are you going to fill your time? Most people don't know. Many don't know how to get started. If you're going to spend 20-30 years in retirement, you will need something to keep you busy. Steve Langerud (http://www.stevelangerud.com), director of professional opportunities at DePauw University, spends much of his time helping people answer this question. Steve shares his techniques and approach to defining a successful retirement. Another key to a successful retirement is control over your spending. Diane Tegarden (http://www.firewalkerpublications.com), teaches an eight week course on budgeting and has a book on this subject coming out in September. She explains how to go about identifying and estimating your expenses. She offers a sensible approach to budgeting. If you are to figure out what it will cost you to live in retirement, you need to know what your lifestyle costs you now.
66 minutes | Jun 17, 2012
The New Retirement – New Retirees Changing the New Retirement
It's hard to plan for something that is changing as a result of what you are doing. A different perspective can be of help. A number of major companies are assessing and anticipating new trends from the baby boomers and are positioning their companies to meet this new demand. Ron Cappello (http://www.inifiniagroup.com)an expert on marketing and branding shares what the cutting edge companies see as the changing retirement environment. Being aware of these changes can help you get a better picture of your retirement. One thing that is common among the trend-sayers is as we age we will need more health care. Jack Tatar tells us how to save 20-30% on health expenses through the intelligent use of Health Saving Accounts. While you spend a couple of decades or so in retirement you may want to have a financial adviser to keep you on track. Rob Drury (http://christianfinancial.vpweb.com)explain his style of financial planning and things you should know when selecting an adviser.
60 minutes | Jun 10, 2012
The New Retirement – Age Proofing Retirement
Many people plan on living out their days in their current home. If this is your plan, be sure you do all you can to protect it and your other assets. Attorney Ann Margaret Carrozza (http://www.myelderlawattorney.com)explains the value of certain trusts in protecting your assets along with the minimum documents you need for an essential estate plan. You may find certain features in you home become more frustrating as you get older. Aging-in-place designer Andrew Shore (http://www.seapointe.com)shares his insights on how you can tastefully modify your home to be age friendly. More and more people are living well into their nineties. At some point we all may need some form of assistance. Erwin Allado (http://www.seniorcarehomes.com) has created a must-use website that compares and contrasts all forms of senior living to help you make intelligent decisions should you or a loved one need a helping hand.
59 minutes | Jun 3, 2012
The New Retirement – Aging In Place
One critical decision you will make in retirement is whether to sell or stay in your house. This helps determine your expense level in retirement and the amount of money you need to save. If you sell and move to a less expensive place, you have the opportunity to lower your expenses and take equity out of your house to supplement your income. If you decide to stay, you might well pay off your house but may not be able to use the equity in your house to sustain your lifestyle. One planning option is to consider a reverse mortgage. Reverse mortgages allow you to convert equity in your house into income. Peter Bell (http://www.reversemortgage.org), President of the National Reverse Mortgage Lenders Association shares his knowledge and provides tips and warnings for those seeking a reverse mortgage. If you are to age-in-place, you might want to age proof you house. As we age things we easily manage can become frustrating. Josh Scharf (http://www.improvementscatalog.com)a product designer shares some age proofing ideas that you can use today to make your house age friendly.
72 minutes | May 27, 2012
The New Retirement – Tips for a Secure Retirement
There are a handful of items that characterize a secure retirement. A steady, predictable income, family and friends, good health, something interesting to do among others. This has been the same in the old retirement as it is in the new retirement. Yet, in the new retirement getting all of these things in place and keeping them intact is getting harder to do. One, is establishing a steady and predictable income., especially in this low interest environment. Jim Sloan (http://www.jimsloan.com) a retirement expert and author of The Financially Informed Boomer explains two techniques he uses to get his clients a steady income while offering tips on how to avoid getting scammed in the search for yield. With your income established, it's time to make new friends. A US Census study claims there will be nine times more people reaching age 100 by 2050. You will need to keep your friend-making skills sharp as you continually need to replace your old friends who you outlive with new ones to keep you engaged and active. Sunie Levin (http://www.makenewfriendslivelonger.com)author of Make New Friends and Live Longer offers a number of tips and strategies to do just that.
70 minutes | May 20, 2012
The New Retirement – Planning for Unknowns
All planning consists of guessing the future. Some things in retirement planning are unknown. You don't know what actual inflation will be or the rate of return you will earn on your savings. You don't know how long you will live or what will happen to your wealth. Though you don't know the outcome of these elements you generally can make an educated guess to move your planning forward. What about other risks and unknowns you may not have accommodated in your plan. How will the government debt and deficits or the policy of the Federal Reserve affect your spending and saving. Or will the aging population worldwide cause you concerns. Join Theresa Yarosh (http://www.macrowealthmanagement.com)President of Macro Wealth Management as she explains her firms' unique methods for managing these uncertainties. The US Census department recently announced that the number of people reaching age 100 will increase from 70,000 to 600,000 by 2050. This also means there will be a corresponding increase in the number of 80 and 90 year old people. Learn how this aging trend is changing living lifestyles with Joe Verdoorn (http://www.secplanning.com)of SEC Planning. It's time to identify and prepare for unknown risks.
69 minutes | May 13, 2012
The New Retirement – Money Decisions
Have you ever done something dumb with your money? Do you make decisions emotionally or rationally? Neither emotional nor rational decision making is right for every retirement decision. Karen Lee (http://karenleeandassociates.com), CFP and author of It's Just Money, So Why Does It Cause So Many Problems? shares her 24 years of experience in discussing the shortfalls of some of her clients' money decisions. Once your decision making gets better, you will need to know the different types of investment strategies to make your money grow. Scott Cramer (http://www.cramerandrauchegger.com)and investment advisor and founder of Cramer & Rauchegger discusses his endowment strategy to manage money. Learn how the big non-profits and pension plans approach money management. This is one strategy to consider among many in determining your personal investment philosophy.
68 minutes | May 6, 2012
The New Retirement – Cultural Trends in the New Retirement
The baby boomers have affected everything in their path and retirement will be no different. New trends, attitudes and lifestyles re-define retirement. How do you measure up to this generation? Are you on trend or off? Join Dr. Margaret King (http://culturalanalysis.com)Director of the think tank Cultural Studies and Analysis as she provides her insights to how she sees the culture of retirement changing over the next couple of decades. Another trend is the need and want for many near or in retirement to take on new work. This may be due to necessity do to the bad economy or simply to keep busy and engaged. Many turn to the internet for this opportunity. Christine Clayfield (http://fromnewbietomillionaire.com)author of From Newbie to Millionaire warns us on how to avoid mistakes, scams and get-rich-quick tricks. She shares the lessons she learned, many the hard way, on how to go about it the right way.
59 minutes | Apr 29, 2012
The New Retirement – What Are You Going To Be When You Retire
A life of leisure after forty years of hard work seems a just reward. Is there ever too much leisure? Can you do nothing for the 20-30 years you will spend in retirement. If you are an active success oriented person, you will want to do something or contribute something of value in your retirement years. Yet many people are unclear on how to begin the process to start an encore career or launch the next phase of their life. Thomas Belanger (mailto:email@example.com)author Teamwork in Ten Days shares how he approached redefining himself in retirement and how critical it is to be active. He offers a number of ideas on how to find your passion which in turn becomes a lifeline throughout retirement. Next, Phil Saylor (http://www.retiretonotfrom.com)author of Retire to Not From explains how the proper mindset helps you move gracefully from your lifelong work to the next phase of your life. New retirees are redefining retirement. It no longer is a period of pure leisure but one of leisure combined with a passion that helps you thrive.
66 minutes | Apr 22, 2012
The New Retirement – Health Matters
Your health care costs can be a wild variable in retirement. The kind of insurance you have matters. How you protect yourself from these uncertainties matter. Ross Blair (http://www.planprescriber.com), a Medicare expert, and CEO of planprescriber.com (http://planprescriber.com)explains the key components of Medicare and whether or not you should add a Medicare supplement insurance plan to protect yourself from unexpected costs. Find out how much you are likely to spend during retirement. Your retirement plan remains incomplete without a good estimate of what health care will cost you. One way to keep your health care costs down is to stay healthy. Dr. Michael A. Smith (http://www.lifeextension.com)explains the four key building blocks to counter the aging process and keep you active and healthy in retirement. His scientifically backed health strategies are available through Life Extension, the world's leading organization dedicated to extending the healthy human life span. How you take care of your self matters.
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