EASE Into Retirement

One of our clients walked in the other day stating that he was curious about 401ks and how they work, digging more into his question, we discovered he had 6 401k's all from different employers! On today's episode, Tom runs through 4 different options you have if you're in a similar situation to our client. You can stay, start a new 401k, cash out, or rollover to an IRA. Keep watching to learn more...

Are you certain your income will last as long as you do? On this week's episode, Tom highlights the importance of ensuring longevity of your income in retirement. Grab a pen and paper, because this podcast is full of enlightening information. Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Se...

So you've got some savings for retirement ready? Now, you're faced with the next question which is 'where do I put it'? That hard-earned income deserves to be well-taken care of! On this week's episode, we review only a few outlets for those savings. We strongly suggest you reach out to your preferred financial adviser before making any concrete decisions. Don’t spend more time wondering about whe...

Investing is complex enough, now investing a recession? That's taking on a whole new challenge, but we've got you covered! With Tom's collective experience, he sheds some light this episode on where to invest in a recession.     #investmentplanning #financialeducation #retirementplanning #easeintoretirement #mosleywealthmanagement Don’t spend more time wondering about whether you’re ready to retir...

We understand that not everyone has the ideal retirement setup, it may feel difficult to navigate through. On this week's podcast, Tom  covers one of the biggest questions we feel we've come across which is- WHERE to get income in retirement! Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Se...

Survey has shown time and time again, the #1 concern for people, before dying- is running out of money. And with how unpredictable life can be, it is a completely valid worry. One of the strategies that can be used, is setting up a proper retirement plan that fits YOUR needs! Connect with a trusted financial advisor when you feel the time is right! Investment advisory services offered by duly regi...

“Breadwinner”, the individual that makes the most income in the household. Regardless of who it is, when 2 become 1 the lower amount (income) is removed. Let’s talk about some tactics that may, maximize your social security as a married couple! Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial...

So how does social security, really get taxed? Let’s discuss- provisional income, 50% social security benefit, ordinary income, dividends & capital gains, and non-taxable interest. Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. Licen...

No politician is going to stand in front of a crowd or run on a platform and say “you won’t get the social security you’ve have paid in for throughout the years”, because we did pay in the FICA and it is NOT a true entitlement. Get your social security report at www.ssa.gov . For more information go to: www.mosleywealthmanagement.com

Your pension could impact your social security, but how exactly and to what degree? WEP, GPO, and more, Tom Mosley Investment Advisor walks us through it all. For more information go to: www.mosleywealthmanagement.com

Every. single. person. has different social security earnings, which are dependent on their own personal factors. On today's episode, Tom provides an overview of some items you may want to consider. As we share on the episode, you can visit: www.ssa.gov to figure out the size of your benefit. For more information go to: www.mosleywealthmanagement.com

If you don’t know what your retirement age is, check out our episode titled “What is my social security full retirement age?”. At Mosley Wealth Management, we want to focus on how it affects YOUR benefits; for those that are married, it can make a drastic difference to your spouse’s benefits too!  For more information go to: www.mosleywealthmanagement.com

Have you heard of social security but not sure how it works? On today's podcast, Tom focuses on the key word 'MY'! There are a lot of other factors that could determine when you should start taking your social security, but today we’ll discuss how to weigh these factors to make the decision that may be right for you. For more information go to: www.mosleywealthmanagement.com

What if you turned on your social security, and you had to PAY IT ALL BACK!? Knowing your social security FULL RETIREMENT AGE could impact your available options. On today's episode, Tom Mosley, emphasizes how social security is going to use your full retirement age to determine your benefits. Have questions that weren't answered? Give us a call! (714)-421-4288 For more information go to: www.mosl...

Not Much Saved: Work as long as you can, save as much as you can, allow your Social Security to grow. From 62 to Full Retirement Age: Be careful! There is an income earnings limit until you reach your full retirement age.  Full Retirement Age And Older: Turning on social Security is just one piece of an overall plan. Your other assets and income flow must be considered in order to make the right d...

Historically we were promised social security benefits would never be taxed. But U.S. needed MORE MONEY. Your total "Provisional" income determines your tax.  For more information go to: www.mosleywealthmanagement.com

What are the two main provisions? What's the potential impact on my retirement planning decisions? How do you know what you should do? For more information go to: www.mosleywealthmanagement.com

When one married partner passes away the larger social security amount generally remains. One possible strategy might lead to turning on the breadwinner payment last.  For more information go to: www.mosleywealthmanagement.com

Early and late collecting impacts your payment. The age of each spouse impacts spousal benefits For more information go to: www.mosleywealthmanagement.com

Your full retirement age with Social Security is either 65, 66, 67 or - somewhere between. Your earnings could be limited before FRA - if you have a job or income. For more information go to: www.mosleywealthmanagement.com

Social Security payouts are based on your top 35 years of earnings Historically, women are more prone to have gaps than men Working Longer (and delaying the start of social security) could significantly increase your earnings  For more information go to: www.mosleywealthmanagement.com

Why Social Security is questionable Why it probably will not go broke How does it get solved (proposed) For more information go to: www.mosleywealthmanagement.com

There are 3 distinct stages to retirement: 1. Go-Go! 2. Slo-Go! 3. No-Go! You plan to fail if you fail to plan. Get a bucket list and get started Put the big rocks (things) on your calendar first. For more information go to: www.mosleywealthmanagement.com

Major tactic is creating a sense of urgency to "buy now" Check the web address carefully Guard your personal information like your social security card, credit card, and pin numbers For more information go to: www.mosleywealthmanagement.com

Gratitude, it applies to finance as well! Celebrate financial wins! Charitable giving! Estate planning! Pay bills now! Change your withholding! Max out your pre-tax retirement contribution! For more information go to: www.mosleywealthmanagement.com