Your Retirement, Your Way

Gary Garland laughs at a throwback Conan O’Brien bit that teases people for not buying certain high stocks. Gary shares how people can be proactive in their retirements and plan a few steps ahead, so people can feel like they missed out on less. Gary also chuckles at a couple’s fight over the thermostat and he relates that to couple’s who enter the Integrated Wealth Solutions off...

Gary Garland discusses the recent market volatility and the hive mindset that makes it worse. Gary discusses how even the volatility from these unusual tariffs has been seen before and why people should not overreact both mentally and with their funds. Gary also describes what his “First Friday” event on May 2nd and his dinner seminars on April 22nd and 23rd will be like. Click here &n...

Gary Garland discovers the best kind of accounts in which to place “lazy money” while interest rates remain higher. Gary discusses how each person’s scenario determines the retirement plan that works best for them. He also discusses Bill Bengen’s “4% Rule” – and other conflicting ones – and why leaving too much money exposed to the market can be big...

Gary Garland talks about tidying up and sprucing up portfolios. Gary shares the dangers and the missed opportunities in not updating one’s portfolio and how people are underserved by advisors that do not check in with their clients to do this. Gary also describes the difference between phase one and phase two retirement planning. And he shares about why overreacting to the current financial...

Gary Garland talks about one widow’s long battle with a corporation to get her husband’s pension and the big mistake he made that caused this conflict. Gary also talks about the latest in the deaths of Gene Hackman and his wife and how their complicated wills are creating a mess. Gary leans on his 30+ years as an elder law attorney to share tips on guardianship, trusts, wills, and bene...

Gary Garland discusses how minimizing worry gave John Oates freedom, how to account for retiring at an unplanned age, and why every season is money-prep season. Gary discusses a New Jersey polar plunge for charity and also talks about “First Friday” events at IWS and his dinner seminars April 22nd and 23rd. Click here to schedule your free conversation with Gary for a comprehensive rev...

Gary Garland discusses how high interest rates have made annuity sales soar. Gary shares the situations that annuities work best for people and how he helps people find the right financial plan for their needs. He also discusses the fees in 401(K)s and comments on Daytona 500 winner William Byron’s lack of packing extra clothes in case he won the race. Click  here to schedule your free...

Gary Garland talks about why annuities could be the canned goods of finances. Gary explains why they have had a bad reputation and why Integrated Wealth Solutions offers only certain kinds to people. Gary discusses how these annuities are more beneficial to people than others. Gary also discusses the idea of the economy this decade being compared to the 1920s and the events that could lead up to t...

Gary Garland discusses Gary’s taking “Your Retirement, Your Way” to radio on 92.7FM/1310AM WOBM on Sundays at 8am! Gary explains what we he will be able to do more of and encourages people to call Integrated Wealth Solutions at 732-838-4770 or email them at info@iwfamily.com  with questions and show ideas. Gary also explains what IWS does for clients and how his decades as a...

Gary Garland discusses long-term care insurance and how it is not just for late-life care. Gary discusses the difference between this and life insurance and the staggering amount of money someone with long-term care insurance can save, instead of paying out-of-pocket. Gary also shares two very personal stories about this subject and about the many different options people have. And Gary shares abo...

Gary Garland discusses the ins and outs of annuities. Gary shares the ones he does not prefer and how they have given all annuities a bad rap. He also talks about the benefits of the two annuity types he recommends, how they can be an alternative to the bond market, and the situations where annuities make the most and least sense. Ready to begin building your retirement plan? Visit  Integrate...

Gary Garland discusses the definitions and the differences between IRAs and Roth IRAs and the tax implications for both. Gary then breaks down how Roth conversions can help lower tax bills over time and how there are three different buckets of funds for retirees. Ready to begin building your retirement plan? Visit Integrated Wealth Solutions  to connect with Gary and his team today! See omnys...

Gary Garland talks about required minimum distributions. Gary defines RMDs and shares the types of pre-tax accounts that have them. Gary also details the age that RMDs have to be taken and when that increases, along with what happens if the account value changes after the RMD value is determined. Gary also describes why Hanukkah falls so late in 2024. Ready to begin building your retirement plan?...

Gary Garland discusses how the market has been reacting since Trump's election win and what to expect in the months ahead. Gary discusses the tax code and whether or not to brace for changes and what the market prefers out of Congress. Ready to begin building your retirement plan? Visit Integrated Wealth Solutions  to connect with Gary and his team today! See omnystudio.com/listener for priva...

Gary Garland defines what structured notes are and the different kinds that people can buy. Gary explains their liquidity, the different kinds of risk, and how people can sometimes make money even when the market goes down. Gary also talks about celebrating Hanukkah and if he uses real menorahs, fake ones, or both. Ready to begin building your retirement plan? Visit  Integrated Wealth Solutio...

Gary Garland sifts through the times that automating financial advisory duties makes sense and when the human touch is especially needed. Gary also talks about some of their worst grocery store impulse-buys. Ready to begin building your retirement plan? Visit Integrated Wealth Solutions  to connect with Gary and his team today! See omnystudio.com/listener for privacy information.

Gary Garland discusses the recent trend of customers buying gold bars in droves from Costco stores. Gary has a strong opinion on investing in gold and offers some alternate ideas for how people should invest and preserve their wealth. Gary also talks about being a soccer dad in the middle of fall. Ready to begin building your retirement plan? Visit  Integrated Wealth Solutions  to connec...

This week, Gary Garland cringes at the crazy things people do to avoid paying fees in general. Then Gary lays out where fees come from, why some plans have more than others, and why trying too hard to avoid them can end up costing more in the long run. Ready to begin building your retirement plan? Visit Integrated Wealth Solutions  to connect with Gary and his team today! See omnystudio.com/l...

Gary Garland discusses the Federal Reserve’s recent .5% interest rate cut and whether or not people should capitalize on a volatile market or hold back and protect their money. Ready to begin building your retirement plan? Visit Integrated Wealth Solutions  to connect with Gary and his team today! See omnystudio.com/listener for privacy information.

In this episode, Gary Garland discusses the implications of the upcoming election on retirement planning and taxes. They highlight the uncertainty surrounding the election and the potential impact on taxes. They also discuss the importance of planning ahead and taking advantage of current tax laws. The conversation covers topics such as the potential for tax increases, the expiration of current ta...

Gary discusses the topic of fees charged by financial advisors and what he considers to be too high He highlights the importance of transparency in fees and warns about hidden fees that some advisors may not reveal. Gary further delves into the topic of fees associated with annuities and the different types of riders that can affect the cost. Gary emphasizes the need for clients to be aware of wha...

The conversation discusses the volatility in the stock market and the impact it can have on retirement savings. It emphasizes the importance of not getting caught up in fad trading and emotional investor behavior. The hosts also explore alternative ways to invest for retirement, such as annuities and fixed indexed annuities. They highlight the need for financial advisors to help navigate the compl...

Gary highlights the three main factors when claiming Social Security: health, heredity, and human nature. Health plays a role in determining whether to claim early or wait, as those in poor health may want to claim earlier. Heredity also plays a role, as those with long-lived family members may choose to wait. Human nature and trust in the system also influence the decision. Have questions about w...

Gary introduces himself and shares his career journey to becoming a financial advisor. He explains the role financial advisors should play in someone's life and emphasizes why financial literacy is important. Gary also touches on his interests and family life outside of the office. Ready to begin building your retirement plan? Visit Integrated Wealth Solutions  to connect with Gary and his team to...

Retirement is meant to be a breeze, but planning for it is no laughing matter. It’s important to have everything you need in place so you can enjoy the retirement you want, not the one you settle for. Your Retirement, Your Way , the show from Gary Garland and Integrated Wealth Solutions, is the resource you need to plan your retirement with you in mind. Listen each week as Gary cuts through the ja...