All Things Retirement

🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now The fear of running out of money can follow people into retirement even when the numbers suggest they’re in good shape. Anthony explores why that anxiety can become just as costly when it keeps retirees from enjoying the life they worked so hard to build. Retirement isn’t only about mak...

🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now Many people plan to retire around 65, but new research shows a large percentage are leaving the workforce several years earlier—and often not by choice. Health problems, job loss, and rising healthcare expenses can suddenly force a retirement timeline to change. In this episode, Anthony...

🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now Retiring before Medicare can create a major healthcare expense, and recent subsidy changes have made that gap even more important to plan for. Anthony explains how modified adjusted gross income (MAGI) can affect what you pay for coverage and walks through a real client case where coord...

🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now Many budgeting tools start by asking you to change your spending before you even know what your real numbers are. Anthony walks through the simple process Cardinal Wealth Group uses to help clients calculate their true lifestyle spending without tracking every individual purchase. He ex...

🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now What if one of retirement planning’s most trusted rules is actually causing you to spend less than you safely could? The 4% rule has provided retirees with a straightforward guideline for decades, but newer research suggests that its simplicity may come at a significant cost. Anthony ex...

🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now Worried you’ll never feel truly confident about retirement, no matter how much you’ve saved? Anthony explains why financial anxiety often has less to do with your account balance and more to do with uncertainty. He breaks down the four pillars of retirement confidence and shares that tr...

🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now What happens when you’ve maxed out your 401(k), but still want to save more for retirement? In this episode, we talk about smart next steps for high earners and serious savers. From HSAs and backdoor Roth contributions to mega backdoor Roth strategies, taxable brokerage accounts, and mo...

🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now Are you being smart with your money, or too conservative for your own good? In this episode, Anthony explains how investors can evaluate whether they should take on more risk, especially as they approach retirement. He breaks down why “conservative” can mean different things to differen...

🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now When retirement is around the corner, one of the biggest decisions isn't when to retire, it's how to structure your pension. Should you take the highest monthly payout available, or accept a smaller check in exchange for protecting your spouse if you pass away first? In this episode, An...

🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now A lot of people think working with a financial advisor is just about picking investments. But a great planning experience is much more than that. Today, we’re walking through what it actually feels like to work with a firm like Cardinal Wealth Group- from the first conversation to ongoi...

🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now In this episode, Anthony pulls back the curtain on the financial planning process and explains what goes on behind the scenes to keep clients moving toward their goals. From building and updating financial plans to tax analysis, Anthony shares why comprehensive financial planning involv...

🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now Most people think financial planning is about growing wealth, improving investment returns, or preparing for retirement. While those things matter, they're not the ultimate goal. Anthony explains why financial planning is about protecting the people you care about most and shares practi...

🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now A federal employee preparing for retirement asked a question that comes up often: should you leave your money inside the TSP or move it somewhere else once you retire? Anthony uncovers some of the biggest factors federal employees should think about as they transition into retirement an...

🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now Anthony explains why one of the most overlooked investing decisions has nothing to do with picking stocks or timing the market. He focuses on asset location, where your investments are actually held and why that detail can quietly impact your taxes and long-term retirement results. Tune...

🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now Turning on Social Security at 62 can feel like a smart move, especially if you’ve got a goal like paying off your mortgage early. But this decision isn’t as simple as it looks. In this episode, Anthony walks through a common question: Should you start benefits early to eliminate debt fa...

🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now You want your spouse involved in your retirement plan, but every time money comes up, it feels like you hit a wall. Anthony dives into what’s really going on beneath the surface when someone avoids financial conversations. It’s often not about disinterest; it’s about discomfort, fear, o...

🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now Retirement planning isn’t just about saving enough; it’s about managing your taxes effectively to keep more of what you’ve worked hard for. Many retirees make common tax mistakes that can end up costing them more than they anticipated. Anthony discusses the most common tax mistakes reti...

🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now Life insurance is one of those things most people set up years ago and rarely revisit. As your income, assets, and responsibilities change, so does the role life insurance should play in your plan. Anthony walks through the differences between term, whole, and universal life insurance,...

🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now Finding a financial advisor can feel overwhelming, especially when, on the surface, they all seem the same. Similar websites, similar promises, and similar services can make it difficult to know who’s truly different and who’s the right fit for you. But once you dig deeper, the differen...

🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now Sitting on the sidelines while the market moves can feel safe, but it may be costing you more than you think. This conversation centers on why investors hesitate to re-enter the market and the real risks of waiting too long. You’ll hear how emotions, headlines, and short-term volatility...

🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now Markets have a way of testing investors. When things are calm, it’s easy to feel comfortable with risk. But when volatility hits, and headlines start sounding like storm warnings, many people suddenly realize their plan may not match their true tolerance for turbulence. Today, Anthony e...

🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now Losing a spouse is one of the hardest experiences a person can face, but many families are surprised to discover that it can also trigger a significant tax increase. The shift from married filing jointly to single filer changes how income is taxed, even if the surviving spouse’s income...

🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now If something happened to you tomorrow, would your family know where everything is? In this episode, we explore one of the most overlooked pieces of estate planning: the Letter of Instruction. While wills and trusts handle the legal details, a Letter of Instruction helps loved ones navig...

We’re back to continue our conversation on retirement planning for PSEG employees. Anthony has spent a lot of time getting familiar with these employees and is here to share valuable insights and strategies to help you make the most out of your benefits in this two-part episode. This week, we’re going to take a look at Cardinal Wealth's Financial Planning For PSEG Employees Guide, talking through...

In today’s episode, we’re going to dive into the ins and outs of retirement planning for PSEG employees. Anthony has spent a lot of time getting familiar with these employees and is here to share valuable insights and strategies to help you make the most out of your benefits.   Here’s some of what we discuss in this episode: A little background on PSEG + how Anthony started helping these employees...