Retiring With Enough

The Government has a new proposal to close loopholes and clarify the Fiduciary standard. The government is now trying to hold financial advisor’s feet to the fire by clarifying and redefining the fiduciary standard to become much more restrictive while at the same time allowing more advisor access and more insurance products in retirement plans.

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Retirement planning is like life because potential retirees go through retirement infancy, retirement adolescence, and strive to become mature adult retirees. Part of the maturing process is realizing what you don’t know, and that there are always new things to learn.

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Success is subjective. Successful people have mastered one or more of these traits needed for success. 

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The first anniversary of the Retiring With Enough podcast provides an opportunity to re-evaluate the three main concepts of the Retiring With Enough three-legged stool. Change means growth, and change is coming to the Retiring With Enough podcast.  

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Since the consolidation of thirteen colonies into the United States of America, one of the components of the American Dream has been business ownership. Proceeding from an idea to an actual business requires many steps that must be successfully completed to afford the greatest chance for survival. New businesses have a survival rate of approximately 20%.

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Home mortgages are a necessary and confusing problem for countless homeowners. Many homeowners, to their financial detriment, don’t fully understand the terms and conditions of their mortgage.

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If a $1 million Nest Egg is a reality for approximately 9% of the US population, can a Net Worth of $1 million be a possibility for you? Is it possible with only an average income?

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The question of “Spending now versus saving for later” can present a substantial problem for couples, especially if spending patterns differ. The decision to spend now versus saving for tomorrow is not a black-and-white decision.

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Roger Whitney, host of the Retirement Answer Man podcast answers retirement focused questions. Roger discusses retirement planning, retirement planning mistakes, worries about running out of money, and other retirement concerns. 

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“Smart people learn from their mistakes, but the real sharp ones learn from the mistakes of others”  -Brandon Mull

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Before and throughout recorded history, man has sought ways to store, preserve, create, and transfer wealth, but these methods of wealth preservation and transfer have changed radically over time. Journey from past to present with Money and Investing (with emphasis on the last 50 years.)

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Wishing all listeners the very best holiday season.

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For people who are retired, or approaching retirement, income needs and income generation in Retirement take center stage. Retirement income can be generated from many different sources, but few income sources are steady and ongoing. Do annuities provide a safe and inflation protected source of retirement income?

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Over the last few years Annuity ownership within retirement plans has become more commonplace. But, annuities can be very confusing and misunderstood. The main benefits of annuities appear to be secure and guaranteed income that can occur over a fixed period, or for the remainder of a person’s life. However, it should also be noted that these benefits come with a higher cost in terms of fees, lack of liquidity, lack of flexibility, and loss of principal in most cases at the contract’s end. 

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There are significant differences between Traditional and Roth IRAs. An outside author states that Roth IRAs are beneficial for only 0.2% of workers. Both types of IRAs are outlined and contrasting information is provided to help listeners formulate their own opinion on the validity of Roth IRA contributions.  

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Retirement can be a period of confusion concerning how each day will be filled and how to schedule retirement activities. Hybrid Planning Calendars are a melding of structured and unstructured planning calendars and are an effective calendar/ planner for use in retirement.

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Reflect upon your present blessings of which every man has many - not on your past misfortunes, of which all men have some.    -Charles Dickens

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Each person’s "Life Clock” is wound only once and no one knows exactly when that clock will wind down and stop. Different people in different cultures and different localities place different values on time. But in its final essence, we are all given the same amount of time each day, and each person has a choice in how they will spend the time given them.

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A listener recently begged me to agree with him that his best option was to sell all of his stock holdings and move to a cash position. Would my agreement with his statement be considered wise?

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Just like a real pie, a Retirement Pie is the combination of many different ingredients that are mixed a certain way, layered in a pan (retirement account), and then allowed to cook (mature) for a period of time.

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