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    retirement

    Explore " retirement" with insightful episodes like "It’s 2024: Do You Know Where Your Job (or Retirement) Is Headed?", "REAL Estate Planning: How to (Properly) Exit Your Home of 30 Years", "Unlocking Retirement Income: Understanding Annuities and Tax-Saving Opportunities", "The Power of Roth Conversions, Even If You’re Already Retired" and "Decoding Dave Ramsey: Unveiling the Risks of 100% Stock Investment in Retirement" from podcasts like ""45 Forward", "Advice First", "A Better Way Financial Podcast", "A Better Way Financial Podcast" and "A Better Way Financial Podcast"" and more!

    Episodes (100)

    It’s 2024: Do You Know Where Your Job (or Retirement) Is Headed?

    It’s 2024: Do You Know Where Your Job (or Retirement) Is Headed?
    Over the last several decades, the job market has gone through a roller-coaster of change: the Black Monday stock market crash, the 1990s recession, 9/11 terrorist attacks, the 2008 financial crisis, the Covid-19 pandemic, followed by the Great Resignation, and the ascent of artificial intelligence. Along the way, our careers have gone through dynamic changes, too. As we live longer (and hopefully healthier) lives, we often decide to work longer, have multiple careers, delay retirement, and seek new work experiences well into our later years. And Scott Passeser has seen it all. In today’s episode, Scott, who is Senior Vice President of the national recruiting firm, Executive Alliance, will offer his observations and insights about jobs for older, as well as younger folks, in a perplexing economic environment that seems both strong and vulnerable. The host of the widely popular weekly radio show, Jobline, Scott will talk about what employers are looking for in job applicants; what are some hot areas for job growth (think “climate change”); and how AI will affect us all on the job. He’ll also highlight some of his pet job-hunting peeves, like “easy apply” websites that enable people to avoid doing important homework; and he'll provide some valuable tips and tools for acing job interviews. And yes, for older workers who want to keep working, he’ll offer some thoughts about ways to consider a “progressive retirement.”

    REAL Estate Planning: How to (Properly) Exit Your Home of 30 Years

    REAL Estate Planning: How to (Properly) Exit Your Home of 30 Years

    REAL Estate Planning: How to (Properly) Exit Your Home of 30 Years

    The Advice First podcast was lucky enough to welcome back financial advisor, Jerry Citarella, to the studio along with one of the top realtors in Santa Clarita Valley, Bri King.

    Bri's success is not defined by just the number of homes she sells each year, but by taking excellent care of each individual client even years after escrow has closed. Her process helps sellers optimize their exit to meet their specific goals, while helping them through the emotional process of moving on from their long-time home. 

    This episode highlights the intricacies of estate planning when parents are holding on to a home they've owned for 20+ years, and exactly what their options are to set themselves up for success in retirement and beyond.

    Connect with Bri King:
    (661) 433-4485
    Bri4re@gmail.com
    www.facebook.com/bri4re
    www.youtube.com/channel/UC1jaXtNXT8VP-1tGtyqBVmQ

    Connect with Jerry Citarella:
    (661) 255-9555
    jcitarella@prosperitasfin.com
    www.instagram.com/jerrycitarella/
    www.youtube.com/@jerrycitarellapresents

    Prosperitas Financial 
    661.255.9555 
    info@prosperitasfin.com 
    www.prosperitasfin.com 
    25060 Avenue Stanford, Suite 100 
    Valencia, CA 91355

    Looking for more content?  Check out our Social Media pages. 
    Facebook - https://www.facebook.com/Prosperitasfin 
    LinkedIn - https://www.linkedin.com/company/prosperitasfin 
    Podcast - https://advicefirst.buzzsprout.com/
    Instagram - https://www.instagram.com/prosperitas_financial/

    Unlocking Retirement Income: Understanding Annuities and Tax-Saving Opportunities

    Unlocking Retirement Income: Understanding Annuities and Tax-Saving Opportunities

    It’s been four years since Congress passed Secure 1.0 which allows companies to offer annuities within 401(k)s. Still, there have been few adopters despite research showing strong interest.

     

    Frank and Frankie dive into the often-misunderstood world of annuities and their potential place in your retirement plan. They share insight on how a strategic switch in annuities could provide you extra income in retirement and how, at A Better Way Financial, they help clients optimize their retirement savings through tax planning like Roth conversions and distribution strategies.

     

    If you're seeking ideas to maximize retirement income and reduce future taxes, visit A Better Way Financial.com and get started today.

     

    Read our bookAmazon Best SellerThe Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

    See omnystudio.com/listener for privacy information.

    The Power of Roth Conversions, Even If You’re Already Retired

    The Power of Roth Conversions, Even If You’re Already Retired

    Frank and Frankie dive into the realm of Roth conversions and year-end tax strategies, sharing their personal experiences on how these types of efforts can benefit retirement plans.

    Discover how converting your pre-tax accounts to after-tax Roth accounts could help transform your financial landscape. Whether you're approaching retirement or already reveling in it, this episode breaks down the opportunities and benefits of strategic tax planning.

    Unwrap the gift of financial wisdom! Visit A Better Way Financial.com and begin your planning today.

    Read our bookAmazon Best SellerThe Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

    See omnystudio.com/listener for privacy information.

    Decoding Dave Ramsey: Unveiling the Risks of 100% Stock Investment in Retirement

    Decoding Dave Ramsey: Unveiling the Risks of 100% Stock Investment in Retirement

    In this episode, Frank and Frankie address the recent controversial statement made by personal finance guru, Dave Ramsey, recommending that retirees can stay 100% invested in stocks and withdraw 8% annually, with no worries.

    We address the flaws in this suggestion and urge caution against relying on high average returns without accounting for market volatility.

    If you're navigating the complexities of retirement planning and want to understand the potential risks and rewards of various strategies, visit A Better Way Financial.com to begin your journey toward a well-informed retirement future.

    Read our bookAmazon Best SellerThe Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

    See omnystudio.com/listener for privacy information.

    25. The Great Reemergence

    25. The Great Reemergence

    The big news is revealed. Plus, how do you pull yourself out of a creative funk? What have I been doing since my last recording? 
    Just the act of freely expressing oneself, even if only to oneself, is extremely liberating. If you stick with it until the steam subsides, you just might get to the root of the issue. 

    Free month of Waking Up: https://dynamic.wakingup.com/shareOpenAccess/d5251a

    Apple: https://podcasts.apple.com/us/podcast/another-finger/id1526096210

    Spotify: https://open.spotify.com/show/5cMYCxrGf3brRjQvj6SBvJ?si=Cle2fGlwQkqXr5GpXsN6Xg

    Cover Art: Rory Jenkins  
    Email: l3m0nsh4rk@gmail.com
    Social Media: Instagram, Twitter, and Tumblr @Sh4rkH4ts

    Maximizing Your Retirement: Options for RMDs and Tax Strategies

    Maximizing Your Retirement: Options for RMDs and Tax Strategies

    It’s time to start taking your RMDs (Required Minimum Distributions) but you don’t need the money…In this episode, Frank and Frankie Guida explore the strategies you may be able to utilize.

    Charitable giving through QCDs (Qualified Charitable Distributions), Roth conversions, or using the funds for long term care may all be options within your plan.

     

    Additionally, Frank and Frankie stress the significance of optimizing your entire financial plan, including lowering risk, reducing costs, and planning for taxes all to help enhance your retirement experience.

    Connect with the team at  A Better Way Financial.com to learn more about these strategies.

    Read our bookAmazon Best SellerThe Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

    See omnystudio.com/listener for privacy information.

    What Does The War Mean For Retirement Investors

    What Does The War Mean For Retirement Investors

    Recent history has shown that markets have a track record of mostly absorbing geopolitical conflicts. But there could be another impact when it comes to interest rates.

     

    In this episode, Frank and Frankie dive into the financial implications of these kinds of events, bond market turbulence, and tax planning for the upcoming year emphasizing the importance of balancing added safety and reasonable returns in your investment portfolio, especially if you're a retiree or close to retirement.

     

    They discuss how rising interest rates have impacted the bond market and why bonds may not be your best option anymore while revealing possible alternative investment strategies.

     

    In retirement, you need a proactive planner who can help you navigate changing tax laws and market conditions. Connect with the team at A Better Way Financial.com for a second opinion on your plan.

     

    Read our book! Amazon Best Seller, The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

    See omnystudio.com/listener for privacy information.

    Nick Saban May Be Eyeing Retirement: Have You Created A Retirement “Game Plan”

    Nick Saban May Be Eyeing Retirement: Have You Created A Retirement “Game Plan”

    There’s speculation that Alabama’s head football coach, Nick Saban, may be thinking about retiring. But no matter what your occupation, knowing when to retire is a significant, and often challenging, decision. 

    With 38 years of experience in his field, financial advisor and retirement planner, Frank Guida, understands the importance of working because you want to, not because you have to…

    In this episode, Frank and his son and fellow advisor, Frankie Guida, share insight on how they help clients prepare so that they’re ready when the time comes to leave the 9 to 5 behind.

    Breaking down critical elements of retirement planning (creating a financial plan, managing your funds, tax planning, Social Security, and investment strategies) the team at A Better Way Financial knows that a successful retirement starts with having a gameplan in place.

    Don't wait. Go to A Better Way Financial.com and get started creating a plan customized to your retirement goals.

    Read our book! Amazon Best Seller, The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

     

    #retirementplanning #stockmarket #risktolerance #taxplanningforretirement #retirementtaxplanning #estateplanning #financialservices #financialplanning #money #personalfinance #retirement #investing #savings #RetirementSavings #TaxPlanning #NickSaban #SocialSecurity #InvestmentStrategies #EstatePlanning #TaxEfficiency #FinancialFreedom #FinancialSecurity #401k #RothConversion #TaxSavings #RetirementIncome #FinancialPlanning #TaxStrategies #financialplanner #financialliteracy #wealth #ABetterWayFinancial #fyp #podcast #Allentown #Pennsylvania

    See omnystudio.com/listener for privacy information.

    Taxes And Volatility Are Here To Stay: Safe-Guarding Your Retirement Savings

    Taxes And Volatility Are Here To Stay: Safe-Guarding Your Retirement Savings

    The stock market can be a great place to grow your wealth, but it comes with volatility and a big market crash could wipe out a significant portion of your retirement savings.

    Meanwhile, the threat of future tax hikes could have a big effect on your tax-deferred IRA and 401(k).

     

    In this episode, Frank and Frankie delve into the downsides of relying solely on your 401(k) while exploring options you may have to your financial outlook. Learn how in-service distributions and Roth conversions might be game changers as you approach retirement.

     

    If you're looking to maximize your retirement savings, and minimize taxes, within a personalized financial and retirement plan, visit A Better Way Financial.com to get started.

     

    Read our book! Amazon Best Seller, The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

     

    #retirementplanning #marketcrash #stockmarket #risktolerance #taxplanningforretirement #retirementtaxplanning #estateplanning #financialservices #financialplanning #money #personalfinance #retirement #investing #savings #RetirementSavings #TaxPlanning #FinancialSecurity #401k #RothConversion #InServiceDistribution #MarketDownturns #TaxSavings #RetirementIncome #FinancialPlanning #TaxStrategies #financialplanner #financialliteracy #wealth #ABetterWayFinancial #fyp #podcast #Allentown #Pennsylvania

    See omnystudio.com/listener for privacy information.

    Want To Retire Early? Here’s What You Need To Consider

    Want To Retire Early? Here’s What You Need To Consider

    Americans are retiring earlier than they had expected. On average, they initially thought they’d retire at age 63, but instead have left the workforce at 61 and a half. 

    While it should be a time to relax and enjoy the fruits of your labor, if you're not careful you could run out of money.

    In this episode, Frank and Frankie share ideas on how to retire early without running out of money.

    They discuss a variety of topics, including:

    • Choosing the right pension option for you
    • When to start taking Social Security
    • Planning for taxes in retirement
    • Monitoring your plan to keep it on track

    Thinking about retiring early? Visit A Better Way Financial.com to start building your plan.

    Read our book! Amazon Best Seller, The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

     

    #ABetterWayFinancial #RetirementSavings #FinancialPlanning #BabyBoomers #RiskTolerance #TaxStrategies #RetirementIncome #RetirementPlanning #EarlyRetirement #FinancialFuture #PortfolioManagement #FinancialSecurity #PensionOptions #SocialSecurity #TaxSavings #InvestmentStrategies #retirement #financialplanner #financialliteracy #wealth #fyp #podcast #Allentown #Pennsylvania

    See omnystudio.com/listener for privacy information.

    Finishing The Race Well: To The Retired & Elderly Man (RAISING THE STANDARD)

    Finishing The Race Well: To The Retired & Elderly Man (RAISING THE STANDARD)

     "Each of us is given the exact same amount of seconds, minutes and hours per day as anyone else. The difference is how we redeem [them]. … You cannot count your days, but you can make your days count.”   Billy Graham

    As we finish this "Raising The Standard" series, we are stopping at an important category...and one that the greater society can often neglect.  The retirement years, the graying and elderly years; these are important years to see Christ modeled and displayed.  For a man in this period of life, he must not assume his experiences do not matter.  We need to hear about successes, mistakes and all.  He should never just "hang it up" or live out the rest of his days on the golf course.  And he should realize how he ends serves as an example to those around him.  To see a godly man not compromise and not water down his faith is an amazing thing.  To see him finish and pass onto eternity is a testimony to what God has done. 

    Mentioned in this episode:

    Retirement blues: Taking it too easy can be hard on you article

    Improve Your Retirement Planning with a Positive Attitude

    Improve Your Retirement Planning with a Positive Attitude

    On this episode, financial advisors and retirement planners Frank and Frankie Guida discuss the importance of having the right attitude when it comes to retirement planning.

    They share the story of a 100-year-old woman who credits her positivity for her long life and explain how a positive attitude can help you overcome challenges and achieve your financial goals.

    Discover secrets to preparing for retirement with optimism and confidence. From leveraging market-savvy investments to tax-efficient planning, learn insight that can revolutionize your financial outlook and how attitude impacts not only your wellbeing but also your financial journey.

     

    Ready to take control of your financial future? Visit A Better Way Financial.com

     

    Read our book! Amazon Best Seller, The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

     

    #reitrementincome #Pennsylvania #Allentown #retirement #financialplanner #wealth #fyp #podcast #financialplanning #taxplanning #retirementregrets #retirementplanning #retirementplanningstrategies #inflationprotection #retirementpreparation #avoidingfinancialregrets #retirementpitfalls #socialsecurityoptimization #taxefficientretirement #ABetterWayFinancial #FinancialFuture #PositiveAttitude #FinancialStrategies #TaxEfficientPlanning #Mildred Kirschenbaum #FinancialAttitude #FinancialHappiness

    See omnystudio.com/listener for privacy information.

    5 Common Financial Myths Debunked

    5 Common Financial Myths Debunked

    On this episode of A Wiser Retirement™ Podcast, Casey Smith and Michaela Dowdy unravel the true limits of 401K contributions and how an HSA can serve as a handy retirement tool and a resource to cover Medicare premiums. Additionally, they also discuss the age-old debate of renting vs buying. With the changing dynamics of the housing market, you might be surprised which side they're rooting for.

    Podcast Episodes Referenced:

    - Ep 170: How much money do you need to retire?
    - Ep 95: ESG: Scam or saving the world?

    Youtube Videos Referenced:
    - Is financial planning different than wealth management?
    - Are annuities a good retirement strategy?

    - Click here to download one of our free guides that covers financial planning topics like retirement, investing, taxes, divorce, and more!

    - Click here to schedule a consultation with one of our financial advisors.

    Connect With Wiser Wealth:
    - Wiser Wealth Management Website
    - YouTube
    - Facebook
    - LinkedIn
    - Instagram
    - Twitter
    - Podcast
    - Blog

    This podcast was produced by Wiser Wealth Management. Thanks for listening!

    Financial advisors retire too: The benefits of working with multi-generational financial advisors

    Financial advisors retire too: The benefits of working with multi-generational financial advisors

    On this episode Frankie Guida shares the strategies they use at A Better Way Financial to help clients add more security into their financial futures.

     

    With fall marking a critical time for financial planning, they delve into the challenges of an aging advisor landscape and the need for generational expertise. Learn the importance of having a financial advisor who will be with you through retirement and beyond, while providing you with a comprehensive plan that covers investments, income planning, tax optimization, and more.

    Discover how the team at A Better Way Financial, with decades of experience and a multi-generational approach, can help you navigate the complexities of retirement planning.

    Don't miss out on valuable insights and actionable tips for a financially secure retirement journey.

     

    Looking for more financial guidance? Connect with the team at A Better Way Financial for a comprehensive retirement plan and review.

    Be sure to read our book, Amazon Best Seller, The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

     

    #reitrementincome #Pennsylvania #Allentown #retirement #financialplanner #financialliteracy #wealth #fyp #podcast #fall #financialplanning #taxplanning

    See omnystudio.com/listener for privacy information.

    Living Your Best Life

    Living Your Best Life

    Retired OPP Officer Sylvie Côté and retired Kingston Police Service Officer Rick Whalen have rekindled their relationship in retirement after dating early in their policing careers. They both join the 10-5 Podcast to discuss living your best life post retirement.

    Policing can be challenging to maintain a healthy lifestyle.  Sylvie and Rick want to help police officers understand where they are and get where they want to be by creating happy lives and healthy minds. Sylvie went from anger, resentment and despair, amongst many other emotions, to becoming grateful, happy and fulfilled through the help of a friend who helped her refocus.  She will explain how reconnecting with the reason “WHY” she was doing her job caused everything to change.  

    When Sylvie and Rick reconnected after 25 years apart, in 2017, Rick was in poor health and 50 pounds overweight.  Rick will explain how he regained his health by taking control of his emotions after going through stress, unhappiness and hopelessness.  He did this using tools he learned in a life coaching course and Sylvie's support.  

    Sylvie's co-worker in the recruitment unit took his own life in 2017, and it had a profound impact on her.  She wished she could have done something for him to prevent it.  Since then, she has learned tools and strategies to help people change their lives.  Sylvie describes in the podcast how she is making a difference.

    Sylvie and Rick explain the importance of physiology, focus and language by providing examples from their lives and experiences, as well as how our beliefs can affect the decisions we make throughout our lives, limiting our opportunities and our happiness.  

    Learn how they learned to understand each other, meet each other's needs, and have a harmonious and loving relationship as they transitioned from their career to retirement. They describe their involvement as a volunteers, traveling, operating an AirBnb, participating in Toastmasters International and continued learning in the areas of growth, development and leadership.    

    Sylvie and Rick participated in extensive training for the last eight years, both graduating from Tony Robbins Mastery University, and are continuing their involvement in the program.  They describe how this training has been the foundation of the transformation of their lives.  Along the way, they have learned that the secret to living is giving and decided to help others live their best lives.

    This episode of the 10-5 podcast is produced and hosted by Scott Mills and Emily Brown.

    Music – “Line of Fire” by Jason Shaw available at Audionautix.com and used under Creative Commons Attribution 4.0 International License.

    If you have any questions about this episode of the 10-5 Podcast, please email us at communications@oppa.ca

    The OPP Association is the sole bargaining agent for the close to 10,000 members of the Ontario Provincial Police in Canada. Our members are our focus and our strength. We aim to provide important information to our members and the public about matters that affect policing in the province of Ontario. 

    Should I Stay or Should I Go?

    Should I Stay or Should I Go?

    Welcome to Aging Issues Radio with Joe Soricelli, the station that addresses the challenges of aging and provides valuable advice and education for seniors. In this episode, I discuss the important topic of housing for older adults. I explore three fundamental questions that seniors often face: Should they stay and age in place, sell and consider alternative living arrangements such as assisted living facilities, or living with their children? Additionally, I delve into the safety and financial considerations involved in providing necessary assistance as seniors age.

     

    I emphasize the significance of assessing the safety of one's current house, such as stairs as a potential hazard. I suggest modifications like chair lifts or elevators to ensure accessibility. While these changes can be costly, they can significantly extend the time seniors can stay in their homes.

     

    I also address the emotional and logistical challenges associated with downsizing and moving, providing insights into stress management and the use of professional services like move managers and junk removal services to facilitate the transition.

     

    Tune in to this informative episode to gain practical insights and guidance on making housing decisions as you age.

     

    If you’d like more information about aging issues, visit my website at https://agingissuesmgnt.com, call me at 914-468-0186, or email me at joe@agingissuesmgnt.com.

     

    Please make sure to subscribe to Aging Issues Radio so you won’t miss the latest episodes.

    What Can Geroscience Teach Us About Healthy Longevity?

    What Can Geroscience Teach Us About Healthy Longevity?
    Aging research has come a long way in the past few decades, and scientists are now starting to understand the biology of aging. Anthony J.A. Molina, Ph.D., shares the latest findings in the field of geroscience, or the study of how to delay the onset of age-related diseases and extend healthy lifespan. Series: "Stein Institute for Research on Aging" [Health and Medicine] [Show ID: 38634]

    Love, The Law, and Life Change with Mark Zvonkovic

    [PROCESS] How it Feels to Retire after 5 Decades as a Certified Anesthesiologist Assistant with Dan Hladky

    [PROCESS] How it Feels to Retire after 5 Decades as a Certified Anesthesiologist Assistant with Dan Hladky

    Dan Hladky graduated as a CAA with the second class, ever, out of the Case-Cleveland  program in 1974. Dan shares his journey into and out of the profession to which he dedicated 48 years of life.

    Inspired to submit your own CAA journey for our next process episode?
    Contact me to book a 15 min discovery call. During which I will share more about the podcasting process and we can get a sense of your episode's theme.  I am so excited to begin our journey together. 

    Contact Dan Hladky, CAA by emailing awakenedanesthetist@gmail.com and I will pass it along over our next Sunday dinner!

    New here?  Listen to all previous PROCESS episodes (ep. 1, 9, 10, 13, 15) then leave a rating and review on your podcast app. It really helps spread the word, thank you!

    I hope to see you at Awakened Anesthetist Podcast LIVE on Friday of the AAAA 2024! Meet our current AAAA President, Danny Mesaros and be a part of my 1st LIVE audience (besides my kids).

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