EASE Into Retirement

Is moving to a low-tax state a smart retirement decision? While lower taxes can be appealing, there are many factors—both financial and personal—that should influence your choice. In this episode, we guide you through:✅ How to create a list of states with and without state income tax – and why it matters✅ Understanding state tax brackets – some states tax retirement income more than you think✅...

Feeling behind on your retirement savings? You’re not alone. Here's the good news: You can fix that in just one year. It won’t be easy, but with focus and the right strategies, it’s absolutely possible to get back on track! Retirement planning can feel overwhelming, and too often, people put it off until it’s almost too late. But it’s never too late to make a change. Remember, the best time to sta...

Over 70% of adults 65+ will need long-term care at some point—yet most people aren’t prepared for the financial burden. Will you be? In this episode, we dive deep into:✅ What is Long-Term Care? – From in-home care to assisted living and nursing homes✅ How Much Does Long-Term Care Cost? – The surprising price tag of aging✅ Does Medicare Cover Long-Term Care? – What’s covered, what’s not, and com...

Retirement savings have changed dramatically over the decades. Gone are the days when most workers could count on a pension to fund their golden years. Today, the responsibility of saving for retirement largely falls on you—through 401(k)s, IRAs, and personal investments. But what led to this shift, and how does it impact your financial future? In this episode, we break down: ✅ The rise and fall...

The Social Security Fairness Act has just been passed, and it could have a significant impact on individuals with government pensions. This groundbreaking legislation may make you or your spouse newly eligible for Social Security benefits. In this video, we break down: •Who the Social Security Fairness Act affects and why •When more details will be released •What steps you should take now •Why it’...

For decades, the narrative around retirement has been fairly straightforward: work tirelessly until your mid-60s, then hit the brakes and transition into full-stop retirement. But with people living longer, and the desire to have more work/life balance this abrupt change can feel unsettling, even counterproductive. Today, we're challenging that old belief and exploring why semi-retirement could be...

Get ready to maximize your retirement savings in 2025! In this video, we cover the updated contribution limits for 401(k), 403(b), IRA, and Roth IRA accounts, along with other key accounts. Learn about: ✅ New 2025 contribution limits ✅ The advantages of tax-advantaged accounts ✅ Why company matches and automation are game-changers ✅ Simple tips to increase your contributions and save on taxes...

Considering a ROTH conversion as part of your retirement strategy? While it can be a powerful tool for creating tax-free income in retirement, it’s not without risks. In today’s video, Tom breaks down three critical ways a ROTH conversion can go wrong and potentially derail your retirement plans if not handled with care. Tom uncovers the hidden dangers, including how a ROTH conversion can push you...

2025 is the perfect year to get retirement ready and take charge of your finances! Whether you're a few years away or already in retirement, the steps you take now can make a lasting difference. In today’s show retirement expert Tom Mosley walks you through a basic but thorough check list of the key steps you need to take now to be retirement ready! Whether you're close to retiring or just startin...

Is retirement on your mind? If so, you need to check out Tom’s list of the 10 most crucial things you have to know so you can retire! With nearly 30 years in the retirement industry, Tom has gained a deep understanding of what is vital to creating a successful and happy retirement. Having guided retirees through changing Social Security rules, fluctuating tax rates, economic ups and downs, politic...

If you want to know what needs to be in a retirement plan, this video is for you! Today, Tom explains how to build a retirement plan by outlining the the key elements you must include in creating a comprehensive strategy for your golden years. You'll learn the difference between retirement investments and a retirement plan, and then be guided into the 6 essential components that must be addressed...

As we prepare for the new administration in 2025, you may be wondering: What’s next for my retirement? My financial and health security? With President Trump returning to office alongside a Republican-controlled Congress, big changes could be on the horizon – especially if you are retired or planning on retiring in the next 5 to 10 years. Today, we’re going to focus on the key areas that could see...

Feeling behind on your retirement savings? You’re not alone! Here’s the good news though, you can completely revamp your retirement in just one year! It won’t be easy, but with focus and the right strategies, it’s absolutely possible! Retirement planning can feel overwhelming, and too often, people put it off until it’s almost too late. But it’s never too late to make a change. Remember, the best...

Are you asking yourself, “𝗛𝗼𝘄 𝗗𝗼 𝗜 𝗞𝗻𝗼𝘄 𝗶𝗳 𝗜 𝗛𝗮𝘃𝗲 𝗘𝗻𝗼𝘂𝗴𝗵 𝘁𝗼 𝗥𝗲𝘁𝗶𝗿𝗲?” While studies show that a large majority of current retirees feel they have enough to live comfortably, other studies show that less than half of all pre-retirees feel they have enough. With so many viewpoints, Inflation, longer life spans, and unpredictable markets, determining if you have enough money to retire comfortably can...

Turning 65 comes with more than just a birthday cake and candles—it’s a major milestone in your healthcare journey. For many, it’s time to make one of the most important decisions of retirement – choosing your Medicare plan. But with so many options and fine print, where do you even begin? In today's podcast, 𝘄𝗲'𝗿𝗲 𝗯𝗿𝗲𝗮𝗸𝗶𝗻𝗴 𝗱𝗼𝘄𝗻 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗶𝗻 𝗿𝗲𝗮𝗹𝗹𝘆 𝘀𝗶𝗺𝗽𝗹𝗲 𝘁𝗲𝗿𝗺𝘀 𝗮𝗻𝗱 𝘀𝗵𝗼𝘄 𝘆𝗼𝘂 𝘁𝗵𝗮𝘁 𝗮𝘁 𝘁𝗵𝗲 𝗲𝗻𝗱 𝗼𝗳 𝘁𝗵𝗲 𝗱...

The Year-End Tax Deadline just around the corner! If you’re nearing retirement or already in it, this is your last chance to lock in some crucial tax-saving moves before the year ends. Today, we’re covering several key strategies that can help you maximize your retirement accounts, avoid costly penalties, and make the most of your hard-earned savings. From Roth conversions to tax-loss harvesting,...

With nearly 30 years in the retirement industry, I’ve navigated changing Social Security rules, fluctuating tax rates, economic ups and downs, elections, changes of power, and unexpected events like the pandemic. I’ve seen it all and have learned some key lessons along the way. With those in mind, I’ve crafted a list of the 10 essential things I think every future retiree needs to know in order to...

Whether you leave a job or are retiring, you'll need to decide what to do with your 401K. In this video, retirement expert Tom Mosley shares 4 options you have to maximize your 401(k) when you leave your job, including the pros and cons of each option. He also discusses how timing is a crucial factor in determining the best choice for your specific situation. If you're anticipating leaving your jo...

Are you thinking about moving out of California? Before making this major life change, it’s vital that you consider these 5 important costs and how they could impact your finances – especially retirement savings! In today’s video, Tom pulls from his 29 years of working with retirees and shares why people want to move, and more importantly provides an in-depth look at key financial factors you need...

Are you on the brink of retirement or planning to retire soon? Beware of the three biggest mistakes that could derail your golden years! In today’s video, retirement expert Tom Mosley breaks down the most common traps retirees fall into – and how you can sidestep them with confidence. Don’t let poor planning or impulsive decisions jeopardize your financial freedom.   🌟 Here's What You'll Learn: •...

How in the world are you supposed save for retirement AND pay off debt?! It’s a balancing act that can feel extremely overwhelming, especially with market uncertainties, inflation, and rising costs. But here’s the truth, both goals are possible with the right strategy. Today, retirement expert Tom Mosley walks you through some practical steps you can take now so you can secure your future without...

One of the biggest issues you'll encounter in retirement is taxes! Ugh. While you can't escape taxes entirely, you can minimize your tax burden by understanding what taxes you'll encounter in retirement and the options you have to strategically manage them.🔍𝗝𝗼𝗶𝗻 𝗧𝗼𝗺 𝗶𝗻 𝘁𝗵𝗶𝘀 𝗲𝘆𝗲-𝗼𝗽𝗲𝗻𝗶𝗻𝗴 𝘀𝗲𝘀𝘀𝗶𝗼𝗻 𝗮𝘀 𝗵𝗲 𝘀𝗵𝗲𝗱𝘀 𝗹𝗶𝗴𝗵𝘁 𝗼𝗻 𝘁𝗵𝗲 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁 𝘄𝗮𝘆𝘀 𝘆𝗼𝘂 𝗺𝗮𝘆 𝗯𝗲 𝘁𝗮𝘅𝗲𝗱. Learn how Employment, Social Security, and Med...

Building up your retirement savings takes decades of hard work, but one misstep with Required Minimum Distributions (RMDs) can lead to massive penalties. In today’s show, retirement expert Tom Mosley explains RMDs and shares the top RMD mistakes people make. He also provides crucial tips on how to avoid them so you can protect your savings from costly errors and unnecessary taxes. Jump to a segmen...

Are you ready for retirement, but unsure about all the hidden costs that might sneak up on you? In this video, “10 Hidden Costs in Retirement,” retirement expert Tom Mosley uncovers the often-overlooked expenses that could impact your financial future. From healthcare to taxes and more, knowing these hidden costs in retirement is key to protecting your savings and enjoying a stress-free retirement...

Deciding when to claim Social Security is a critical decision that can have a significant impact on your retirement income.  In this video Tom walks you through the 3 essential questions you need to ask yourself to determine the optimal time to start receiving Social Security. 1) When is the right age to claim benefits based on your life expectancy and break-even analysis? 2) What are your conting...