Fred addresses concerns of retirees involving their feeling of inadequate savings and their worries of inflation, higher interest rates, and unstable markets. He demonstrates how he can help keep in check the inevitable emotions that creep into retirement planning. In the Stump the Guru segment, Fred answers a question about Social Security claiming strategies.
You can reach Fred Saide by calling 800-593-8188.
See omnystudio.com/listener for privacy information.
Fred notes retirement confidence could be falling to 2008 levels and offers suggestions on restoring confidence in areas such as inflation, volatility, and even Social Security uncertainty. Fred also points out some good “journey to retirement” practices like staying on track with savings, maximizing the 401(k) match, and minimizing fees.
You can reach Fred Saide by calling 800-593-8188.
See omnystudio.com/listener for privacy information.
Fred talks about strategies to consider in the financial red zone, 5-10 years from retirement. He then discusses the advantages to consider when looking at the Roth IRA option. In the Stump the Guru segment, Fred addresses a concern from a listener who asked their accountant if they should convert taxable IRA assets to a Roth. They mentioned the accountant’s opinion of Roth as being inefficient. Listen to Fred’s response. 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 dives into the subject of behavioral finance and how all the components relate to retirement planning. He also highlights ways that money could be wasted in retirement such as excessive fees, overpayment in taxes, overspending, and ignoring healthcare costs. Fred answers two questions in the Stump the Guru segment. One listener asks Fred the most important lesson he’s learned in the last year. The other has a question about early claiming of Social Security. 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 expands on valid retirement questions that begin with the word “when.” Some include “when should I consider retiring,” “when should I start planning for long-term care,” and “when should I start taking Social Security benefits?” He also points out areas to address in the planning process to help ease the anxiety of challenging economic times. Then Fred moves into “Stump the Guru” in answering a question about the 60/40 portfolio. 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 people saying about their retirement? We hit the street to find out. You’ll hear peoples’ comments on their retirement plan and responses from Fred. He also covers the importance of having dependable income strategies in your retirement. Fred answers two questions in the “Stump the Guru” segment. One involves someone considering claiming Social Security at age 62 and another was about how to handle an inherited IRA from his mother who was already taking required minimum distributions.
You can reach Fred Saide by calling 800-593-8188.
See omnystudio.com/listener for privacy information.
Fred brings back the popular retirement myth busters in correcting some common misconceptions about long term care protection, debt, Social Security, and safe money. What are good questions to ask when meeting with a financial advisor? Fred covers some of them in this podcast. Speaking of questions, Fred continues with his “Stump the Guru” series. Fred answers a question from a listener wanting to know how to plan for financial stability based on life expectancy. 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 people searching for online when deciding to seek the help of a financial advisor? Fred covers some of the top searches and relates them to his specialty of retirement strategies. Some include what to bring to the first meeting, how are financial advisors compensated, and why is a financial advisor better than a robo-advisor. Then Fred moves into how to help ease that transition from accumulation to decumulation in retirement. In his Stump the Guru segment, Fred answers a tax question related to a listener’s 401(k). They are asking whether they should consider moving to a state with lower or no income tax. 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.
Following the failed attempt to override President Biden’s veto of the Labor Department ESG investment rule, Fred explores the potential effects of that on the retirement savings efforts of Americans. He also discusses the most recent interest rate hike. Fred then answers a couple of questions in the “Stump the Guru” segment. One listeners stated they were a do-it-yourselfer but found that they needed help sorting out some issues. Another actually stumped Fred but only because Fred admitted he would have to research before answering her question. 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 calling800-593-8188.
See omnystudio.com/listener for privacy information.
Fred looks at the situation in the banking sector in explaining the root causes and possible effects. He also discusses protective strategies regarding this and the other financial challenges we face. Fred then answers a couple of questions in the “Stump the Guru” segment. One listener expressed a feeling of being overwhelmed in financial planning and another had a question about bonds and alternatives. Hear his answers and 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 explains why staying the course is not always the best option. He uses the game show Let’s Make a Deal as one example in pointing out statistics that show how it can be beneficial for contestants to trade their existing prize for what’s behind the curtain. He also points out how it may be wise to look for alternatives when you find your investments are down as opposed to sticking with the plan. Fred then answers another question in the “Stump the Guru” segment. The listener asked Fred to boil down investing to one simple rule. Hear his answer and 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 goes over strategies to consider in building your retirement income. He starts by discussing how retirement income building strategies are so much more important now than in the days when many people had a pension to count on. He also breaks down the “rollover” strategies involving your 401(k), 403(b), and IRA. Fred answers more questions in the Stump the Guru segment. One question was about the use of Roth IRAs and the other concerned possible re-location to a lower tax state. You can submit your question to Fred by clicking podcast and Stump the Guru at www.moneymattersusa.net.
You can reach Fred Saide by calling 800-593-8188.
See omnystudio.com/listener for privacy information.
Fred covers retirement savings strategies to consider. He discusses fixed annuities, Roth IRAs, Dividend Aristocrats, and Health Savings Accounts as some vehicles to strongly consider. He also talks about the Fed and the effect that rising interest rates could have on your portfolio. In his Stump the Guru segment, Fred answers a question about whether to take a lump sum or monthly benefit. You can submit your question to Fred by visiting www.moneymattersusa.net. Click podcast and Stump the Guru.
You can reach Fred Saide by calling 800-593-8188.
See omnystudio.com/listener for privacy information.
Proper planning makes the transition from accumulation to distribution go much smoother. Fred discusses the process with a conversation on moving away from accumulation and easing into distribution. Fred also addresses little ways in boosting accumulation in the financial red zone that can make a big difference. In the Stump the Guru segment, Fred answers a question about risk in the de-accumulation stage.
You can reach Fred Saide by calling 800-593-8188.
See omnystudio.com/listener for privacy information.
Fred discusses measures to help remove the uncertainty of retirement planning. He addresses the need to plan for longevity, to implement savvy Social Security claiming strategies, and, for those married, good spousal strategies. He also answers a podcast listener question in “Stump the Guru.” A listener who claims to be a do-it-yourselfer much of the time is concerned about possibly needing help assessing risk.
You can reach Fred Saide by calling 800-593-8188.
See omnystudio.com/listener for privacy information.
Fred addresses financial challenges many people may be unaware of and discusses ten retirement risks to avoid. Some include uncertainty about how to deal with income in retirement, debt, longevity risk, and sequence of return risk. We also play Stump the Guru with Fred answering two questions related to Social Security claiming strategies.
You can reach Fred Saide by calling 800-593-8188.
See omnystudio.com/listener for privacy information.
Fred introduces a new feature to the podcast and that is “Stump the Guru.” If you would like to have Fred answer your question on the podcast, you can submit at www.moneymattersusa.net. Just click the podcast tab and then stump the gura. On this podcast Fred answers a question about required minimum distributions from an inherited IRA and inherited individual Roth. Fred also offers an in depth look at annuities, the different types, and the pros and cons and then discusses what to consider when a spouse passes away.
You can reach Fred Saide by calling 800-593-8188.
See omnystudio.com/listener for privacy information.
Fred discusses the impact of taxes on retirement and steps to counteract that impact. He explains how withdrawals from retirement accounts and pensions can be taxed. He also talks about the calculation of provisional income and how that can make your Social Security subject to taxation. What are the milestone ages in your retirement journey. Fred goes over the important ages and even introduces a couple of new ones.
You can reach Fred Saide by calling 800-593-8188.
See omnystudio.com/listener for privacy information.
Fred highlights mistakes to avoid in retirement planning including not factoring inflation and longevity, overestimating income, and not finding the balance of conservative and aggressive in investing. Then he moves into a conversation which points out how retirement of today is different from that of our parents and grandparents. Certainly, the dwindling away of the private sector pension is included along with longevity, changing habits of how and when we retire, and health care concerns that can come with a longer life.
You can reach Fred Saide by calling 800-593-8188.
See omnystudio.com/listener for privacy information.
Now that it has passed, Fred reviews some of the key provisions of Secure Act 2.0 including the raising of the RMD age, additional catch-up opportunities, and expanded Roth contributions.
You can reach Fred Saide by calling 800-593-8188.
See omnystudio.com/listener for privacy information.
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