Fred offers information on the different scam operations out there and tips to avoid them. He also dissects survey results from a Northwestern Mutual Planning and Progress study that shows Americans’ concerns about the economy and how much they would need to retire.
You can reach Fred Saide by calling 800-593-8188.
See omnystudio.com/listener for privacy information.
We all assume things but some assumptions could be dangerous when approaching retirement. Fred covers some of these. The list includes assumptions on when you will retire, how long you will live, how much you will spend, and what you will face in taxes.
You can reach Fred Saide by calling 800-593-8188.
See omnystudio.com/listener for privacy information.
Honoring Financial Literacy Month, the game is Financial Jeopardy covering retirement facts to make sure you’re not in financial jeopardy. Categories include Important Retirement Ages, Penalties and Fees, Retirement Savings Vehicles, and Retirement Rules of Thumb.
You can reach Fred Saide by calling 800-593-8188.
See omnystudio.com/listener for privacy information.
Fred runs down some expenses that can eat away at your savings when you’re in retirement. They include healthcare, home ownership, inflation, taxes, and longevity. He then focuses on the top stressors people cited in a recent survey by Principal. Those include inflation, rising interest rates, and a lack of savings.
Fred Saide can be reached at 800-593-8188.
Harvard Gazette article referenced
See omnystudio.com/listener for privacy information.
Fred cuts through the misinformation in the retirement universe by declaring whether some retirement statements are fact, fiction, or somewhere in between. Risk tolerance, medical costs, retirement income, Social Security, and retirement spending are covered in this podcast.
Reach out to Fred Saide at 800-593-8188.
See omnystudio.com/listener for privacy information.
Fred dissects some words of wisdom from the Oracle of Omaha in his overall investment mindset, his number one rule in investing, and what he means when he says his mistakes have been of omission. You can also get a glimpse of what your consultation experience with Fred could be as he breaks down some hypothetical case studies.
You can reach Fred Saide by calling 800-593-8188.
See omnystudio.com/listener for privacy information.
Fred dissects a recent Bankrate survey that shows many Amercans are feeling financially insecure. Why is that? Fred breaks it down. He also warns against procrastination in retirement planning in areas such as boosting your savings, eliminating debt, and just getting an overall retirement plan together.
You can reach Fred Saide at 800-593-8188.
See omnystudio.com/listener for privacy information.
If you’re stranded on a desert island you may feel you need to strictly conserve your water supply so it will last. Fred shows how those who are not properly planned for their retirement could feel that way about their money. He offers analysis and solutions to help achieve that “Goldilocks” retirement.
You can reach Fred at 800-593-8188.
See omnystudio.com/listener for privacy information.
Fred shares tips on how successful people use techniques to legally reduce their taxes. He discusses some of the reasons people overpay in taxes and covers five vital strategies to consider including knowing the rules for safe harbors, maxing out tax deferred retirement accounts, and utilizing Roth options.
You can reach Fred Saide at 800-593-8188.
See omnystudio.com/listener for privacy information.
2024 marks an historic demographic event with the largest number of Americans ever reaching the age of 65. If you’re approaching retirement, what strategies should you consider implementing now? Fred covers that along with what those in their 50s should be looking at as they enter the financial red zone.
You can reach Fred Saide at 800-593-8188.
See omnystudio.com/listener for privacy information.
Fred is joined by Dan McGrath, the co-founder and creator of IRMAA Certified Planner and the best-selling retirement planning author of “What You Don’t Know About Retirement Will Hurt You.” IRMAA is an acronym for income-related adjustment amount. That is an extra fee you pay with your Medicare Part B and D premiums based on income. Dan is one of the nation’s leading authorities on how the costs of health care impact investors’ retirement and Social Security benefits and is a proponent of Annuities and Life Insurance as well as utilizing Roth strategies.
You can reach Fred Saide by calling 800-593-8188.
See omnystudio.com/listener for privacy information.
We celebrate Podcast 104 and the two year anniversary! Fred expands on five key retirement financial planning components which are investment, tax, and income strategies and estate and healthcare planning. He also covers the seven “sins” of retirement planning. Some include accessing your retirement dollars early, retiring too early, not coordinating with your spouse, and not having a written plan. In the Stump the Guru segment Fred answers a question on whether or not risk and volatility are the same.
You can submit your question at www.moneymattersusa.net. Just click podcast and the dropdown for Stump the Guru.
You can reach Fred Saide by calling 800-593-8188.
See omnystudio.com/listener for privacy information.
It’s amazing how you can tie iconic TV sitcom scenes to retirement planning. Fred does just that with Kramer giving himself a gold watch and pointing out that retirement falls more on us now. Fred Sanford gets a lesson on how Social Security benefits are calculated and Archie Bunker schools us on inflation. Those clips and more are featured in the podcast. In the “Stump the Guru” segment Fred answers an interesting question from a listener about the possibility of gifting their assets to their parents.
You can submit your question at www.moneymattersusa.net. Just click podcast and the dropdown for Stump the Guru.
You can reach Fred Saide by calling 800-593-8188.
See omnystudio.com/listener for privacy information.
What are some of the standard retirement rules? How have they withstood the test of time? How could they be good starting points. Fred covers the 4 percent rule, the Rule of 72, the 60/40 Stock/Bond Rule, and the Rule of 100. In the Stump the Guru segment Fred offers a detailed answer to a couple listing their assets and wanting to know if they could be independent and comfortable in their retirement. You can submit your question at www.moneymattersusa.net. Just click podcast and the dropdown for Stump the Guru.
You can reach Fred Saide by calling 800-593-8188.
See omnystudio.com/listener for privacy information.
Fred discusses the strategies to give you confidence in your retirement plan. These include eliminating debt and building your savings, having a sound retirement budget, a clear proactive tax plan, and maximizing Social Security. He also stresses the need for couples to be on the same page in this team retirement effort.
You can reach Fred Saide by calling 800-593-8188.
See omnystudio.com/listener for privacy information.
Fred discusses the best proactive responses to retirement strategies including long-term care, health care, living on pre-taxed income, and factoring inflation. He also addresses concerns of pre-retirees and retirees and offers good questions to ask of yourself. These include:“do I have a plan” “do I have a budget” “do I have income built into my plan” “am I working with a retirement specialist?” In the Stump the Guru segment, Fred answers questions about annuities and inherited IRAs.
You can reach Fred Saide by calling 800-593-8188.
See omnystudio.com/listener for privacy information.
Fred’s special guest on the podcast is Dax White who is managing partner with the White Law Group. The subject is fraud and how to be vigilant in avoiding becoming a victim and what strategies are available to repair the situation if you have become the victim.
You can reach Fred Saide by calling 800-593-8188.
See omnystudio.com/listener for privacy information.
Fred takes a close look at Secure Act 2.0 and provisions that have already been enacted and looks ahead at what is to come in 2024. He also discusses tax efficient retirement strategies.
In the Stump the Guru segment, Fred answers a question from a listener concerned about delaying Social Security until age 70.
You can submit your question at www.moneymattersusa.net. Just click podcast and the dropdown for Stump the Guru.
You can reach Fred Saide by calling 800-593-8188.
See omnystudio.com/listener for privacy information.
Fred looks at moves to strongly consider when you’re still working but getting closer to that retirement date. He includes taking advantage of catch-up contributions, looking into a health savings account, and reviewing the asset allocation. Fred also runs down some of the ways retirement can be more expensive than we think. In the Stump the Guru segment, Fred admitted to slightly being “stumped” because he had to do some research in answering a question about whether to replace an older annuity with a new one. That person gets a gift from Fred. You can submit your question at www.moneymattersusa.net. Just click podcast and the dropdown for Stump the Guru.
You can reach Fred Saide by calling 800-593-8188.
See omnystudio.com/listener for privacy information.
Fred gives us what we need to consider when we enter the Financial Red Zone near retirement in the phases of 7 to 10 years, 5 to 7 years, and 3 to 5 years out. He also discusses expenses in retirement and the importance of knowing what could go up and what could go down. In the Stump the Guru segment, Fred answers a question about Social Security and about missing RMDs. You can submit your question at www.moneymattersusa.net. Just click podcast and the dropdown for Stump the Guru.
You can reach Fred Saide by calling 800-593-8188.
See omnystudio.com/listener for privacy information.
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