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In this episode, we ask:

• How is “retirement” or receiving passive income like climbing a mountain?
• How many people make it up Everest?
• What is it like coming down a mountain?
• How do we take this finite amount of money and make it last for this unknown number of years?
• What are the secrets of the Sherpas?
• What is investment planning designed to do?
• Why aren’t AUM called Assets Turning into Income?
• What guarantees are there?
• What if you have a big IRA with a ton of mutual funds?
• How long have annuities been around?
• Which generation in your family was best prepared for retirement?
• Why are we in a retirement crisis now?
• What intergenerational cash plays provide security for years to come?
• What do Congressmen and women have their portfolios wrapped up in?
• What is our one-two punch strategy for retirement income?
• How do we work with the problem of longevity?
• How would it feel if you never ran out of income?
• How do you know if an annuity is terrible or terrific?
• How do you know you’re working with the right annuity?
• How do we work with the need for liquidity?
• How would it feel if you could access your money anytime without penalty?
• How do Bank On Yourself® policies factor into retirement?
• How do we set up pay raises in retirement?
• How do we work with lump sums and turn that into retirement income?
• What is laddering?
• How do we use the “taming the bear” strategy during passive income stages?
• How do we take income when the market is down?
• How do you work with an IRA in retirement?
• How do you work with life insurance loans?
• Has Wall Street left us stranded at the top of the mountain?
• Do you want to guess at your retirement income?
• Do you want the entire pathway down the mountain to be question mark or a certainty?
• How does retirement income affect quality of life?

Podcast: Play in new window | Download

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In this episode, we ask:

• Is income important to you now?
• Do you see your future self as a stranger?
• How much do you need coming in?
• What is the first thing you need to do?
• What are your expenses?
• What income do you currently have?
• Do you qualify to receive Social Security?
• Will Social Security cover your income needs?
• How often will your income arrive? i.e. Monthly?
• Will you have enough?
• Do you have a gap?
• What about asset allocations?
• How does the sequence of how you withdraw affect income?
• How might we help you?

Podcast: Play in new window | Download

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In this episode, we ask:

• What are the possible streams of income in retirement?
• What can you build up now, so you can rely on them later?
• Would you like passive income? What is passive income?
• What about passive income from Social Security?
• What about defined benefit plans?
• What about personal savings / investments?
• What about annuity income and life insurance?
• How much is the average Social Security check?
• What is the maximum SS amount for this year?
• What are the best things about Social Security?
• What do you have set up with your employer?
• What are the restrictions on defined benefit plans?
• What are RMDs (Required Minimum Distributions)?
• When do you have to start taking RMDs?
• Which plans are considered qualified plans?
• What is the penalty for not taking RMDs?
• How does qualified plan savings affect Social Security?
• What happens at age 70.5? How much does the IRS charge each year in retirement?
• Who sets the interest rates?
• How do you allocate your assets to become income providing?
• What are dividends? How do they help generate income?
• What streams of income are taxable?
• What about CDs?
• What are some efficient ways to generate income?
• What about cryptocurrency?
• What about Whole Life Insurance and Annuities?
• What about Bank on Yourself?
• What income is guaranteed?
• What about interest rates and dividend rates?
• What did Mark find at the Oriental Institute on the University of Chicago’s campus?
• What are some helpful annuities for guaranteed income in retirement?

Podcast: Play in new window | Download

Subscribe: Apple Podcasts | RSS

In this episode, we ask:

• Does your birthday fall between 1946 and 1964?
• How much of the American population is in the Baby Boomer generation?
• Which Americans qualify for retirement?
• Are you ready for retirement?
• Will you have enough cash (for basic living expenses)?
• Will you have to work longer?
• Are Boomers prepared for retirement?
• What happened to pensions?
• How much is enough? How do we know?
• If we have $1M saved in a nest egg, how do we know how much to take out each year?
• What is the 4% rule and why is it problematic?
• Who is Morning Star?
• What is their Low Bond Yields and Safe Portfolio Withdrawal Rates study?
• How does the current economic environment affect seniors who are mostly in bonds?
• How does a 60/40 blend in retirement affect retirement income?
• Who is David Blanchett?
• Who is Wade Pfau?
• Why do we need to look at a 2.8% (or lower) withdrawal rate in retirement?
• Will you remain independent and healthy in retirement? Will Long Term Care needs affect your income in retirement?
• Is your future self a stranger?
• What will you look like when you’re older?
• Can’t we cross that bridge when we get there?
• Can you live your best lifestyle in your retirement years?
• Will you be forced to choose between buying medication or food for the week?
• What is your story?
• What are the steps?
  • Start saving
  • Save more
  • Increase your savings every year
• What does retirement even mean?
• Where did the retirement age come from?
• Why is the ability create so central, regardless of age?
• What’s the next chapter going to look like?
• What are you passionate about?
• What work do you love?
• What do you want to do (for as long as you are able)?
• In our next episode in this series, we ask: What are the different possible income streams in retirement?