retirement podcast

Fears over tomorrow and regrets over yesterday are twin thieves that rob us of the moment. A life filled with regrets is a life unfulfilled, and the best way to deal with regret may be to proactively develop good habits and avoid early signs of regret.

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Physical real estate entails risks not found in other types of investments. Real estate investments are generally concentrated in fewer assets and therefore, involve much higher risk.

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An Investment Plan is an integral part of retirement planning that involves the process of aligning financial goals (where you want to go- your destination) with investment resources (what you currently own to help get you there.)

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People are not born with the same level of timing instinct. But, every person can improve, enhance, and refine natural decision and timing skills. 

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Sam, Andi, and Luke cite statistics from a couple of surveys that state the obvious.  Couples don’t necessarily see eye to eye when it comes to finances and retirement.  They stress the need for compromise in areas such as risk, savings, and retirement target date.  They address retiree concerns like inflation, the state of Social Security, and longevity and get back to basics with some good practices to make sure you’re on the right track to retirement.

You can reach Duell Financial Strategies by calling 866-203-7486.

Duell Financial Strategies

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A Retirement Paycheck provides the money each person or family will use for living expenses after retirement. The five steps provided in this podcast help to simplify the process of creating your retirement income Paycheck.

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Luke goes on the hot seat guessing the top answers from participants in a 2023 EBRI Employee Benefit Research Institute retirement confidence survey.  We cite results on concerns of pre-retirees and retirees in their comfort level on reaching retirement and living comfortably in retirement.  Luke moves into 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.

You can reach Duell Financial Strategies by calling 866-203-7486.

Duell Financial Strategies

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Much of the fear, anxiety, and apprehension surrounding retirement spring from the prospect of funding retirement with after-work income. The first step in mediating these emotions is locating and listing every applicable retirement funding source.

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Sam, Andi, and Luke explain the importance of building income sources in your retirement and making sure they are in line with your expected expenses.  They dive into the subject of behavioral finance and how all the components relate to retirement planning.  They also highlight ways that money could be wasted in retirement such as excessive fees, overpayment in taxes, overspending, and ignoring healthcare costs.

You can reach Duell Financial Strategies by calling 866-203-7486.

Duell Financial Strategies

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It’s believed by many that “A Life Well Lived” is the result of the balance of Love, Play, Work, and Worship. ENOUGH and HAPPINESS create the framework for a life well-lived, and to leave this world a better place.

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We give three statements about retirement consideration and Andi and Luke out the one that is not true and explains why.  They also expand on some of the ones that are true.  They also cover valid retirement related questions that begin with the word “when” and point out areas to address in the planning process to help ease the anxiety of challenging economic times.

You can reach Duell Financial Strategies at 866-203-7486.

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The HSA is most valuable to young workers, but has benefits for all workers. The HSA  is a Triple Tax Advantaged account that can become a valuable tool for saving if used strategically.

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What are Stocks, where and how to purchase them, Stock classifications, and EMH (Efficient Market Hypothesis) are all discussed.

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During an inflationary cycle consumers can be highly affected or unaffected. Should you buy, sell, or hold in an inflationary period?

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The early initiation of a retirement plan is a great wealth builder for workers who start as soon as possible after beginning a working career. This podcast discusses the commonly available types of retirement plans.

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Following the failed attempt to override President Biden’s veto of the Labor Department ESG investment rule, Marty explores the potential effects of that on the retirement savings efforts of Americans.  He also discusses the most recent interest rate hike.  What are red flags to watch out for when meeting with an investment advisor.  Some of these are covered here including high pressure sales, downplaying risk, and encouragement to go “all in” on one investment. 

You can reach Duell Financial Strategies by calling 866-203-7486.

Duell Financial Strategies

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Even if your portfolio is professionally rebalanced, it's important to understand the principles, basics, and mechanics for rebalancing. Rebalancing returns the values of a portfolio's asset allocations to the levels defined by an investment plan.

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The nuts and bolts of portfolio construction, along with an explanation of asset classes, asset ratios, and appropriate assets to fund a particular portfolio type

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Do you have a retirement plan that eases the fear of running out of money?  Marty covers what to consider in helping to allay that fear including developing a spending plan, aggressively contributing to your retirement accounts, building an emergency fund, and preparing for health care costs.  He offers suggestions to help you stay on track in your retirement.  Marty stresses to not give up on the stock market but to properly allocate your risk and to consider safer alternative investment options.  If you ask a retirement professional if you are ready to retire or how much you will need in retirement, you’ll probably get some questions from them to help them ascertain.  Questions covered in this podcast include if you’ve considered a “second act” in your retirement, how important your financial legacy is to you, and if you and your spouse or partner share your retirement lifestyle vision.

You can reach Duell Financial Strategies by calling 866-203-7486.

Duell Financial Strategies

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The prospect of financial Emergencies creates a need for readily available funds. How to create a fund, dollars mounts, and best places to store the funds are discussed.

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