More Than Half of Americans Want to Retire Gradually, Ep #339
Retirement Starts Today
by Benjamin Brandt and Bret Mulvaney
6d ago
We all want to retire, but have you considered how you would like to transition to retirement? This week’s retirement headline article shares some interesting statistics on phased retirements: who is thinking about them, who is utilizing them, and what people think about them. Listen in to learn the findings. Then stick around for our listener question surrounding stock positions, diversification, and taxes.  Outline of This Episode [1:42] Exploring the idea of a phased retirement [7:12] Can a phased retirement allow you to have your cake and eat it too? [11:38] A book update [13:10] Wei ..read more
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The Retirement Crisis That Wasn’t, Ep #338
Retirement Starts Today
by Benjamin Brandt and Bret Mulvaney
2w ago
Once upon a time, there was a prediction that the baby boomer generation would face a retirement crisis. So how did this gloom and doom projection turn into the wealthiest generation in history? Listen in to find out. Make sure to stay tuned for the listener question: What is the best way to fund a large expense without a large tax bill? Outline of This Episode [1:37] The accuracy of predictions [7:26] What is the best way to fund a large expense without a large tax bill Resources & People Mentioned The Retirement Podcast Network City Journal article Connect with Benjamin Brandt Get t ..read more
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Using Guardrails For The 4% Rule, Ep #337
Retirement Starts Today
by Benjamin Brandt and Bret Mulvaney
2w ago
You’ve heard of the 4% rule, and if you’ve listened to this podcast before, you’ve heard of Guyton’s guardrails strategy. But have you ever heard of using them together? Today’s retirement headline explores this idea.  Overall, the article highlights the importance of considering sequence-of-returns risk in retirement planning and adopting flexible strategies, such as guardrails, to ensure financial security throughout retirement. Listen in to learn more about this combination of strategies as well as my opinion on the matter. Then stick around for the listener question segment where Bret ..read more
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5 Expenses Retirees Wish They Spent More Money On, Ep # 335
Retirement Starts Today
by Benjamin Brandt and Bret Mulvaney
1M ago
There are two ways to mess up retirement: run out of money or die with regret. Oftentimes, people in the retirement space only focus on the running out of money part.  In an effort to help you live an even better retirement, today’s retirement headline discusses the regret part. Join me to learn five expenses that retirees wish they had spent more money on so that you can learn from their mistakes. Stick around to hear the answer to our listener question: Is there one person who can help develop a comprehensive retirement plan? Or do you need to have an investment advisor, a financial adv ..read more
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2 Social Security Mulligans, Ep # 334
Retirement Starts Today
by Benjamin Brandt and Bret Mulvaney
1M ago
If you want to spend more money in retirement you’ll want to understand how to maximize your Social Security benefits. Many people think that there is no going back once you’ve decided to collect your Social Security benefits. However, today’s retirement headline discusses two options in case you’d like a do-over.  In our listener question segment, one listener asks the best way to pass on their assets to their children. Listen in to hear the answer and scroll to the bottom of the show notes to discover more estate planning resources. Outline of This Episode [2:02] What happens if you ch ..read more
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Save Money with These Tax Tips, Ep #333
Retirement Starts Today
by Benjamin Brandt and Bret Mulvaney
1M ago
Tax season is here so when I found this article from Morning Star to share some tax tips for you. Your tax bill will be the largest bill you pay in retirement. If you want to reduce it, make sure to press play.  Helping clients save money on taxes and avoid common investment mistakes is an important task for financial planners. If you don’t have a financial planner, that means you are your own financial planner, so you’ll want to take good notes.  Outline of This Episode [1:22] Maximizing tax savings [3:30] How to utilize deductions [7:45] How to utilize investment strategies ..read more
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A Tax Break Worth the Hassle, Ep # 332
Retirement Starts Today
by Benjamin Brandt and Bret Mulvaney
2M ago
Some tax breaks aren’t worth the hassle of pursuing them, however, today’s example is definitely worth the hassle! If you are charitably minded you’ll want to listen to learn about the advantages of making qualified charitable distributions. Discover how to increase your standard deduction while enjoying charitable tax benefits.  Stick around for the listener question to hear a great way to start practicing spending your money when you have been over-flexing your savings muscle.  Outline of This Episode [2:22] The power of qualified charitable distributions [5:56] How IRMAA threshol ..read more
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We Need to Talk About Your Retirement Spending, Ep #331
Retirement Starts Today
by Benjamin Brandt and Bret Mulvaney
2M ago
Planning retirement spending is tough to do since there are so many unknowns. Many people tend to take a fear-based approach and rely on the 4% rule. Some even take a step further and spend less of their nest egg. Today’s Retirement Headline urges you to take a different approach. Listen in to hear what the article advises and my thoughts on the matter. Then stick around for the listener question to learn how our national macroeconomic situation affects financial planning. Outline of This Episode [1:22] Rethink underspending in retirement [5:01] My thoughts on the article [10:12] How does our ..read more
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I Don’t Want To Be Old When I Am Old, Ep # 330
Retirement Starts Today
by Benjamin Brandt and Bret Mulvaney
2M ago
I don’t know about you, but I want to stay active and healthy for as long as possible. That’s why when I saw this Forbes article I knew I wanted to share it with you.  If you want to learn how to age gracefully and maintain your vitality, you won’t miss this episode. Then, stick around to hear my answer to the question: why do some people have a hard time with retirement? Outline of This Episode [1:24] How to age gracefully and maintain vitality [4:20] Embrace interdependence [9:55] Why do some people have a hard time with retirement? Resources & People Mentioned The Retiremen ..read more
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Lessons Learned from Fall Tax Meetings, Ep #329
Retirement Starts Today
by Benjamin Brandt and Bret Mulvaney
2M ago
As you probably know by now, Bret and I are here to help you spend more money and spend less in taxes so that you can live an even better life in retirement.  This week we’re helping you do that by sharing some lessons that we learned from our clients’ fall tax meetings. If you enjoyed our Lessons in Estate Planning episodes last spring, you’ll love hearing what we learned from our clients this fall. Press play to hear what you can learn from our experience with our clients. Outline of This Episode [1:42] Why we love Roth conversions [10:40] Don’t forget to plan for taxes as a widow/er ..read more
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